23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to  obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX AND XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX  XXXX  XXXX XXXX XXXX ; XXXX  XXXX XXXX  XXXX XXXX ; XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ;
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT MY INFORMATION WAS USED WITHOUT MY CONSENT AND NOW I HAVE THE FOLLOWING ITEMS ON MY CREDIT REPORT AS A RESULT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not know who the company is or what debt they are saying I owe. 
Credence Resource Management says I owe them around {$1000.00} for something but they wont disclose who or where that debt originates from. 
They have called before XXXX and after XXXX most mornings and evenings. 
They have repeatedly called, most days 20-30 times, while I am at work and refuse to leave a voicemail. 
With the amount of scammers out there trying to get every XXXX  they can I am concerned that I am being targeted for a scam.
Product: Credit reporting or other personal consumer reports

I have requested to retract any application that XXXX XXXX XXXX XXXX XXXX XXXX has been non compliant with my disputes and the FCRA Failure to respond satisfactory with deletion I dispute and challenge this inquiry from XXXX XXXX XXXX Pursuant FCRA Section 611 ( 15 U.S.C. 1681i ) unverified inquires must be removed I did not authorize this inquiry nor did i give permission if XXXX XXXX XXXX disagrees and can provide evidence please provide supporting documents showing my expressed permission and wet ink signature. Please investigate this and enforce removal in accordance with the FCRA and send me a updated credit report Thank You
Product: Credit card or prepaid card

On XX/XX/2019 I called Bank of America cash rewards card to address the fact that I'm currently not making any money and it's difficult for my husband and I to make payments moving forward after XXXX. My husband and I have been using our savings to pay down the debt but we're through with our saved amount. 

I called to express the concern to the credit card company stating the next few months would be hard for us to pay the debt ( Impossible ), until I have a positive cash flow by getting a new job. I don't want any negative marks on our credit and we've been very responsible with our commitment to pay back everything. I asked if we may have a deferment just until I can find a job to pay off the debt. The Only option I was offered was to lower my interest rate and close the credit card ( which I stated I wasn't interested in closing it, I don't want a bad mark on my credit ) and they weren't willing to give me the option to lower my monthly payments either. 

They mentioned the only time they offer a defferment is when a Natural disaster occurs. For example : fires, earthquakes, floods, death.. 

The debt is too hard for my husband and I to handle at this time. 

Our total debt owed is {$9300.00} and our Monthly Payments are {$260.00}.
Product: Credit reporting or other personal consumer reports

This company has repeatedly up ton5 times in a row hung up on me after asking them to help add accounts and bills to my experian boost acocunt. The feature is no longer visible in the XXXX Experian mobile app. And obly available online on devices browser and can not be managed securely. The representatives repeatedly and up on comsumers when asked for assistance with the feature. They have nasty attitudes and simply hang up as they are in another conpany.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX/XXXX  XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and I am currently in XXXX  and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit card or prepaid card

Capital one has flagged my account and put it in some sort of category where i have a low credit line and i make a really high income also have investment. 
i have a low credit line of {$900.00} there was a dispute done before for an inquiry they said i made a dispute with my car i owned at the time that i never missed a payment. 
the credit card was supplely disputed never made a late payment as well. i recently applied for a card with capital one and got a line for {$500.00} this is unfair as a customer. i never disputed any of my accounts directly with capital one. the ones that did this was XXXX tarnishing my name and making me look bad. i will take legal action against XXXX  soon.
Product: Credit reporting or other personal consumer reports

These are fraudulent account. i have no knowledge of this account and they are not mines. I am a victim of identity theft and did not make any of these transaction. 



XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Highest Balance {$320.00} XXXX XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$210.00} OFFICE OF THE ATTY GENER Account Number XXXX Balance {$5600.00} Date Opened XX/XX/XXXX PREFERRED LEASE Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1900.00} XXXX XXXX XXXX  Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$530.00} XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Original Balance {$1800.00} XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Inquiry XXXX Inquired on XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I was approved for a $ XXXX loan back in XX/XX/XXXX. I have been making regular payments to day and have experienced another hardship so went back to apply for an additional $ XXXX loan. When I realized I only needed about {$2500.00} or less, I notified One Main and told them. 

The CSR informed me that I had been approved for the $ XXXX loan however, I would need to use my XXXX as collateral. I told the CSR I did not want to do that and he told me that they could not give me the loan. I then inquired about receiving way less than that amount and was informed that my car would have to be used as collateral. 

I asked the CSR, XXXX, what credit report was used to approving my $ XXXX loan previously. XXXX told me that they pull from all three ( 3 ). I asked him what was different between the two ( 2 ) reports pulled in a matter of months. He stumbled and said that 2 things popped up. Well, that makes no sense as the items that " popped up '' were on my report since XX/XX/XXXX or sooner so you had to see it when you gave me the $ XXXX loan. 

I asked for a copy of the credit reports and was denied review of them but One Main wants to use my credit report as the foundation for requesting a collateral loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized hard inquiries from XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, CheckIntoCash, and XXXX  XXXX  IN all occurring on XX/XX/2018. 

Subsequently I was contacted by Big Picture Loans on XX/XX/XXXX claiming I owed money on a loan that I never took out with them. This has been documented in complaint # XXXX.
Product: Credit reporting or other personal consumer reports

Formal Dispute for Inaccurate Credit Reporting under FCRA 611 To Whom It May Concern : I am writing to formally dispute inaccurate and inconsistent information reported on my credit file maintained by XXXX. These errors violate my rights under the Fair Credit Reporting Act ( FCRA ) and require immediate investigation and correction. 

The following accounts contain inaccurate information : XXXX. XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Collection Account with {$600.00} past due, but status conflicts with TransUnion and XXXX. 
- FCRA Violation : Reporting conflicting and unverifiable information in violation of FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Auto Loan with balances of {$11000.00} and {$9200.00} on different reports. 
- Date discrepancies : Opened XX/XX/year>, and XX/XX/year>. 
- FCRA Violation : Reporting inconsistent balance and date information in violation of FCRA 611 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX - Account Number : XXXX - Issue : - Reported as Secured Card with {$24.00} balance after closure. 
- FCRA Violation : Failure to maintain accuracy under FCRA 623 ( a ) ( 1 ). 

XXXX. XXXX XXXX - Account Number : XXXX - Issue : - Reported as Closed Credit Card with a {$130.00} balance still remaining. 
- FCRA Violation : Unverified and misleading balance reporting violates FCRA 605 ( b ).

Requested Resolution : - Investigate and verify each disputed account with the original data furnisher. 
- Remove or correct all errors within 30 days, as mandated under FCRA 611.

- Provide a written summary of the investigation results and verification sources.

- Delete unverifiable information, as required under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receipt as required by law. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and escalation through legal channels. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXXXXXX XXXX ) XXXX, XXXX XXXX XXXX INQUIRY, XXXX XXXX XXXX INQUIRY, XXXX XXXX INQUIRY, has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have the right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

I deposited a check in the amount of {$5300.00} on Saturday XX/XX/XXXX via Bank of Americas mobile banking app. On Monday I was given three different dates as to when my funds would be available ( currently have those print outs which the staff at one of their branches gave me ) the first availability was for the amount of {$4800.00} to be available on XX/XX/XXXX after XXXX CT. XX/XX/XXXX, I was showing an overdraft of over {$400.00} plus a over draft fee of {$35.00} and just received another notice threatening another {$35.00} fee if I do n't make a deposit by XXXX XXXX! Mind you my account was not over drawn or in the negative prior to me making my deposit. On top of that the {$4800.00} was not available. The next availability is for {$380.00} to be available on XX/XX/XXXX at XXXX ( I honestly do n't think that money will be there after being told that {$4800.00} would be in my account on XXXX XXXX ). On top of that, I am still missing {$200.00} from the original amount that I deposited. I went into the branch XXXX times this week and no one can give me answers, just empty promises. My phone is currently cut off for non payment, and my rent is severely past due. My son and I are on the verge of being evicted from my home due to them holding my funds. I am a single parent who 's family relies solely on my income. How am I suppose to function when you have been holding my funds for nearly XXXX days without so much as an explanation? In this day an age with technology ruling EVERYTHING a hold check normally takes 24 hours, they are telling me that my funds may not be released until XX/XX/XXXX! I 'll be evicted from my home by then!
Product: Student loan

I am a cosigner of a loan. I began making payments several years ago when the student was no longer able to make the payments. I spoke with a Navient representative and told her that I could make the payments by the XXXX day of each month. The representative agreed that the payments could be made by the XXXX day of the month and told me that the amount due monthly is {$280.00}. I have been making payments monthly without any further contact from Navient. It was about 6 months ago I began receiving calls from Navient asking for money. I was confused why I was receiving a phone call from Navient asking for money. I was told that my payments are due on the XXXX  day of the month. I NEVER RECEIVED NOTIFICATION FROM NAVIENT ABOUT THE DUE DATE CHANGE. Navient has been calling my phone two and three time a day harassing me about this student loan. According to my records I am not behind in making a payment. They sent me a email and I responded to them to STOP HARASSING ME!!! Now they are saying that I am late with my account. Something needs to be done about this out of control company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid my debt off to XXXX separate Capital One accounts and Capital One refuses to remove this debt account from all three bureaus. I have tried to resolve this on my own by explaining to Capital One that I fell on hard times but this is not a reflection of who I truly am this is why I paid my debt. Capital One continues to reach out to me and send me advertisements about pre approvals when I have asked for them not contact me any further, I no longer want them to contact me and I have declined every offer from Capital One. At this point Im feeling harassed and taunted. These accounts were removed from my XXXX report but not from XXXX and XXXX and I do not understand why.
Product: Checking or savings account

On XX/XX/year> XXXX XXXX XXXX tried cashing my government check for my son at the XXXX branch and was told they didnt accept them type of checks. So I left and went to a check cashing place who cashed the checks. Two weeks later I get a call the check cashing place check bounce because come to find out navy federal got paid for the check and is holding the money. I called the department of treasury to see who exactly got paid and they said navy federal. I then called the bank and explained everything and yes they have the funds on hold and is not releasing them. I had to pay the check cashing place back there many and now the check for {$930.00} is still on hold in my account because navy federal wont release it or sent the funds back to the repair treasurer. It is not their business to determine what happened if they wasnt suppose to get paid for the check in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXXXXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

I was in the process of refinancing my home, when the banker noticed that I had charges of a Credit Card from XXXX Compass Bank in the amount of {$8000.00}. 
I had a business checking account with XXXX Compass Bank, but I closed it in approximately 15 years ago. I don't remember receiving a card, but I know I did not make any purchases using a card from XXXX Compass bank and I never received a statement from XXXX Compass about any purchases or an outstanding balance. 
I have received many banks soliciting that I do get a credit card from them or that I was preapproved. I am not sure if XXXX Compass was one of the bankers who sent me a preapproved line of credit. Normally if I received a preapproved credit card, I just shred them without reading the details. 
Unfortunately, I had to file for bankruptcy 10 years ago and XXXX Compass was not on the list, neither was it flagged by the Bankruptcy Court, so this all seems like someone opened an account in my name or it may have gone to another address and someone used it. 

XXXX XXXX
Product: Credit card

Ensuring payments are always made on time has been a priority for me regarding this account, avoiding any instances of overdue balances. Nevertheless, I'm perplexed by the presence of late payment remarks on my accounts. As per 15 USC 1666b, billing inaccuracies should be addressed.
Product: Checking or savings account

There were two attempts on XX/XX/2021, to debit my checking account for the amounts of {$320.00} and {$300.00}, to XXXX XXXX XXXX XXXX in XXXX Georgia. My bank is aware of the fraudulent transactions. This is the second attempt in that area to debit my checking account.
Product: Student loan

XXXX XXXX added additional fraudulent charges on to my account in XXXX. After I graduated from XXXX XXXX University, my total principal balance was only {$48000.00} ( Federal Perkins loan : {$1900.00} ( which should have been paid in full ), Direct Stafford Subsidized Loans : {$18000.00}, and Direct Stafford Unsubsidized Loans : {$28000.00} ) before I consolidated my loans. XXXX or XXXX XXXX added two dollar amounts of {$40000.00} and {$19000.00}. This increase my total principal balance to be {$140000.00}. My principal balance should have been {$84000.00}, instead of {$140000.00}. In addition, XXXX XXXX charged me {$190.00} to consolidate my loans, which is also illegal. The struggle to pay on this fraudulent balance has caused me emotional and physical stress. Great Lakes should have caught this error. I am requesting that you all forgive the whole total balance due to XXXX and XXXX XXXX 's fraudulent activity and Great Lakes ' failure to catch this error and correct the error. In addition, I was not in school during XXXX. I graduated from XXXX XXXX University in XXXX and did not attend XXXX  XXXX University until XXXX. Please see the attached file for documentation.