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

On XX/XX/2018 for the second time I sent certified mail and requested that any addresses that didn't reflect my current address on my credit report be removed Transunion with a notarized letter. Since then they responded back with the addresses still showing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company illegally repossessed a car from me when they asked for proof of payment they stated they only had a fax # so sent info to them to find out they dont have an office.Then they sent it to a firm to collect paid settlement because I was being harassed and then that company couldnt send a settlement paid letter so they sent it to another company to collect now Im being harassed by them. I have tried calling the company for a year they dont even have a valid phone number to talk to anyone and they also dont have a valid address to send information in certified letter. They also have it listed on my credit report as at least 5 different amounts owed and they report it every 1-6 months.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several hard inquiries that I do not recognize. I have reached out to all three credit reporting agencies, yet they have declined to initiate any dispute or investigation regarding these inquiries. Attached here is an FTC report which clearly outlines all the unauthorized inquiries, including those mentioned in the personal statement section. I kindly request the removal of these inquiries from my credit profile.

15 U.S. Code 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by a consumer ( 3 ) Information agency regarding inquiries, Except as provided in section 15 USC 1681g ( a ) ( 5 ) of the title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally address my concerns regarding persistent issues with your services, particularly with Experian. For years, despite being billed monthly through my bank account, there has been no positive change to my credit score. Furthermore, as I did not consent to such ongoing payments without resolution of my credit concerns.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Credence Resource Mana Address:XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Account number : Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX, XXXX Tx XXXX XXXX Dear Credence Resource Mana I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I have attempted to contact JTM Capital who keeps changing there number about a debt owed. However, I have done my research and they have use tactics to threat me of judgement and legal actions. I told them that I am willing to settle with 20 % of whats owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are reporting the same debt on my credit file. They are double reporting and this is a violation of the FCRA!
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX
Product: Debt collection

A XXXX account was opened in my name and it was not me. I want the account removed off my credit I am not paying a debt that isnt mine. I didnt give anyone permission to use my name and personal information. I have already contacted the company and they are not trying to do anything to remove this account from collections, my name, and my credit report.
Product: Money transfer, virtual currency, or money service

XXXX XXXX YEARS REFUSED TO PUT MY XXXX DEPOSIT TO MY XXXX  ACCOUNT, MY ACCOUNT WAS DEACTIVATED AND SUSPENED WITH SECURITY BREACHES AND YET STILL ALL MY MONEY WAS WITHDRAWN FROM MY ACCOUNT BY EVERYBODY, I AM THE VITUM OF THE CRYPTOCURRENCY PONZY SCHEME I WOULD LIKE MY DEPOSIT BACK ALONE WITH MY STOCKS XXXX XXXX PUT ON CASHAPP ILLEGALLY THANK YOU,... ..IVE TRIED OVER THE YEARS TO GET MY DEPOSIT AND MY STOCKS BACK FROM THEM NO HELP I HAVE WRITTEN YOU GUYS PLENTY OF XXXX XXXX STILL DIDNT GIVE ME MY MONEY ... ..YOU CAN REACH ME AT XXXX ONLY, NO EMAILS, VOICE MAILS, ARE TEXT MESSAGES PLEASE USE THIS NUMBER ONLY THANK YOU.
Product: Mortgage

In regards to case # XXXX here is the attachment of the envelope dated mailed XXXX XXXX 2015 from zip code XXXX. This contained XXXX XXXX XXXX 's fraudulent reply to my QWR, he received on XXXX XXXX 2015. XXXX days after receiving my QWR.. A clear violation of RESPA XXXX day reply rule.and attempt to commit fraud, by back dating the document which had no real info anyway. Also received XXXX XXXX the attached false resolution from XXXX XXXX XXXX. Still not disclosing the info I requested that will show WELLS FARGO and XXXX XXXX XXXX XXXX HAVE NO LEGAL AUTHORITY TO FORECLOSE.. tHE TRUSTEE SALE IS TODAY, AND MIGHT RIGHT TO DUE PROCESS OF THE LAW WILL BE VIOLATED BY THE SATE OF NEVADA AND THE U.S. ACCORDING TO THE 5TH AND 14TH AMENDMENT TO THE CONSTITUTION. PLEASE STOP IT IF YOU CAN. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and was appalled at the information that was on my consumer report. I noticed that there are a few violations on my report. 

The first one I noticed is what was is supposed to be Excluded on my report according to federal law 15 U.S.C. 1681a specifically states that any approval of extension of credit directly or indirectly by the issuer of a credit card or similar device shall be excluded from my consumer report. 

I believe Capital One is in direct violation of this statue code. 

The second violation I found is under the Truth in Lending Act. 

15 U.S.C. 1666B ( a ) states that A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I believe Capital One is in Direct violation of this statue code. 

my character and reputation have been damaged due to Capital One furnishing this false and misleading information on my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage with Wells Fargo was in forbearance & though they were not reporting late they kept upping the past due amount every month so my loan showed I owed more than the original loan & has tanked my credit. I spoke to them in XX/XX/XXXX about it & XX/XX/XXXX again & they said they would bring it to the attention of the department responsible. Spoke with them again XX/XX/XXXX & they said they were allowed to report the overdue amount in the balance as long as they dont say payments were late. They also showed that my account was in forbearance on all my credit reports. Credit companies said they could do nothing or change any of that reporting. This in turn has completely messed my credit report up & Ive ended up with reduced credit lines & higher interest rates. The reason showing is my loans are too high balances compared to the original amount & theyre over the limit amount. This is the ONLY problem on my accounts! Not to mention other problems Im having w Wells Fargo holding my sons CD hostage during Covid. Now instead of modifying my mortgage to a lower rate/payment they have put me in a trial 3 month payment for {$200.00}. Less than the original mortgage amount but have told me nothing about what they will be doing with my mortgage & if I will have a lower interest rate & payment after or IF they will be modifying at all! I am XXXX & need help desperately!
Product: Credit reporting, credit repair services, or other personal consumer reports

try fixing these FCRA violation 3 times reporting inaccurate information cost me higher rate on loans I just received Equifax, XXXX, and XXXX need to correct this asap
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Against XXXX for Failing to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX XXXX with the following details : Account Details : Account Number : XXXX High Balance : {$23000.00} Last Verified : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Date of Last Activity : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX Not Reported Date Reported : XXXX XXXX XX/XX/XXXX ; Experian : XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Closed Date : XXXX XXXX XX/XX/XXXX ; Experian : Not Reported ; XXXX XXXX Not Reported Account Rating : Closed ( XXXX, Experian ), Paid ( XXXX XXXX Account Description : Individual Auto Loan Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed ( XXXX, Experian ), Open ( XXXX XXXX Payment Status : Current Creditor Remarks : Closed ( XXXX ), Paid ( Experian and XXXX XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Despite my requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), no changes have been made to the inaccuracies reported by XXXX XXXX Experian, and XXXX XXXX The late payment information reflected on my report is incorrect. Specifically : Two-Year Payment History : Late Payments : XXXX, XXXX, and XX/XX/XXXX : 30, 60, and 90 days late, respectively XXXX and XX/XX/XXXX : 30 days late These dates and statuses are erroneous, as payments were made timely during the mentioned period. 
Violations : FCRA Violations : Under 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of information in consumer files. The inaccuracies in my credit report demonstrate a failure to comply with this requirement. 
TILA Violations : 15 U.S. Code 1666b requires creditors to provide periodic statements at least 21 days before the payment due date. These reporting errors indicate potential non-compliance, causing undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements, ensuring consumers are not unfairly penalized for non-payment.

Resolution Requested : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the corrections.

Failure to address this issue promptly will result in escalating my complaint to additional agencies and pursuing legal action. I trust that you will take immediate corrective actions to resolve this matter. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

The company name is Williams & Fudge , INC . 
Ive been receive called from them, threatening me multiple times. I got tired, they told me that I owned {$8800.00}. 
They send me a letter to make payment right away. I dont have nothing to deal with this Company. Today XX/XX/2019. They tried to collect my personal information. Im afraid my personal identity is not safe.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS. 

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX I have not opened any new accounts, clear all the inquiries that have no account attached please update and suppress negative information, and inquiries that are not attached to any accounts
Product: Checking or savings account

Check # XXXX was paid into my account on XX/XX/18 for the amount of XXXX.

The account holder of the check and I bank with the same bank chase. On the XX/XX/18 the funds were place on hold and when I call about the funds I was told they needed to spoke with the person who wrote the check. After speaking with that person who gave me the check the funds were released on the XX/XX/18. On the XX/XX/18 the funds were put back on hold again, and when I call the bank, they sent me to the recovery and Fraud department and my account was overdraw. I later got the check in the mail and the letter stated my couldnt verfity the hand writing. My account is overdraw still and I want my monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact Capital One and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, Capital One will not speak to me. 
They were never opened by me. I had my own cards in my own name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Home Equity is Reporting Incorrect Info on Credit Report, Reporting ( 3 ) different Reports to each credit Bureau, All different reporting Good Months on XXXX and Showing 30 days late on same month reported good to other bureau, XXXX XXXX XXXX balance due is also different then credit report balance, shows XXXX but XXXX XXXXXXXX XXXX Shows almost 80 a month, I Paid XXXX XX/XX/XXXX for XXXX and XXXX payments and did through window with teller, and XXXX showing 30 days late. How is this possible if i made a XXXX payment for 2 months at a time for a XXXX payment, An example they showed me late XXXX on Transunion and for same month reporting to XXXX im clear, In XXXX alone i have made XXXX in payments toward bill like i let the teller know when they take my payment for a XXXX bill that does not total XXXX in a year how is it possible to be late 3 out of 6 months, its not my fault teller put payment to principal not my payment, This has really messed up me getting a mortgage due to Mortgage lenders seeing me late on a XXXX payment for Home equity, this is unfair and does not make any sense, let me not get started how now they opened the account that has been closed for years and inside teller they say there a finance charge when account was closed forever, misterically is now open again, XXXX XXXXXXXX XXXX is fraud itself and should be looked at, Lets goto XXXX they had me late the whole year however show payment history, keep in mind the payment is XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX however on Credit Report showing late the first 7 months how is this possible with those payments, i dont have online banking they say my account is closed so i need to pay with teller where is teller putting my payments im trusting another person who does not care about me.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXX XXXX XXXX Bank ) account, and I somehow misclicked and ended up with a credit card from them. I mistakenly applied for a credit card that I promptly had cancelled, and it got closed by XXXX Bank. I dont consider this a legitimate account since it was mistakenly created and I immediately had it closedit was never used either. I need this account removed from my credit file ( s ) since it is niether accurate, relevant, or desired, I dont want this lingering mistake to remain in my report as a reminder of this misclick. This null account exists on all three of my Equifax, XXXX, and XXXX credit bureau reports Please help me remove this inaccurate and mistaken information ( account ).
Product: Debt collection

I have been reviewing my credit report and I have seen this account present which I am not aware of - I sent over validation to the company to clarify this debt and I still have not heard from them.
Product: Debt collection

Being continuous contacted about a charged off debt from no longer functional ; bankrupt company. I have received a Garnishment summons for over five years concerning this account. This collections dept used a third party to gather information about me. The information that there using to collect is totally incorrect. I no longer work for the company they trying to collect from. I never applied for credit using the company information, I previously worked for. The only way they could have gotten that company information would be to get it from IRS or my personal email using a hacking service. The reason I said hacking email, is because I asked previous employer for a form to file taxes with and it was sent through my email account in PDF format, this month. That would be the only XXXX options I can think were they could have gotten employers data from. Hacking into a persons email account using a data gathering tool.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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* 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent letter to Equifax XXXX sent letter to XXXX Equifax, XXXX, and XXXX are all showing a Hard Inquiry from a Company XXXX XXXX, for XXXX XXXX XXXX. I don't know who this entity is, and have never done any business with them, nor do Ihave no accounts with them. I sent letters executing my XXXX rights under the FCRA to Equifax, and XXXX. I Have called XXXX, Equifax, and XXXX multiple times asking them to please remove this from my credit report. Every time I ask them kindly on the phone to remove the inquiry they tell me its not my right to do this, and that I the consumer need to call the company reporting this and fix the problem. I do not know who this company/persons are. It is the XXXX XXXX XXXX who must report accurate information. Now I have an inquiry on my report that looks like i was shopping for houses when i was never in a position to do this. I don't know how this was ever disputed found as fact correct. I feel like the Bureau 's are taking advantage of my XXXX rights when they are not protecting me, the consumer. They just take XXXX XXXX 's word. I guarantee they have not sent any contract or paperwork with my signature proving to the Agencies that this is factual.