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

I have received a response from XXXX an account on my credit report. Ill attach the documents that they sent me ; I asked for proof on a original signed contract with my signature. The letter XXXX sent me was stating I called and opened up an account give me verification that I did that. My information was stolen and multiple accounts were open without my knowledge, this is hurting my credit. It was no information about how they did their investigation. According to Section 609 of the FCRA you have to provide the proper documentation. Show me verification, show my signature on a contract or let me her my voice saying yes this is XXXX no Ill keep fighting to exercise my rights until something is done. Ill keep fighting for all consumers all over the world.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate information on my credit report this debt now says closed and dosent belong to me.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on the dispute I submitted on XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in White v. XXXX XXXX XXXX, 993 F. Supp. 2d 1154 - Dist. Court, ( CD California 2014 ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Consumer Loan

XXXX assured me that I have 10 days grace period from the XXXX to provide a payment or Honda Finance will have to start paperwork to remove vehicle. XXXX then informed me that he will be sending out paperwork to this agreement. XXXX also explained the payoff for the vehicle is {$9300.00} and at the {$200.00} dollars a month for 3 in years. I received the agreement in the mail approximately 5 days later. 
On XXXX XXXX, XXXX around XXXX I received a knock at the door stating that they were at my home to repossess my XXXX Honda XXXX. I told the male that they have picked up the wrong car because I have an agreement that states my payment is not due until XXXX XXXX, XXXX. The man looked over the agreement and said something is not right. He also had a lady with him that was very rude and nasty saying just get what you can out the car we are taking it now. My daughter items were in the car for her work as a cosmetologist and " personal paperwork '' for individuals I needed for employment while being rushed. The XXXX XXXX asked my neighbors to remove their car in order to retrieve the Honda XXXX this is embarrassing when I have paperwork that the car should have never been removed.
Product: Credit reporting

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Checking or savings account

Good Afternoon On XX/XX/year> there was a suspicious XXXX payment sent to someone I did not authorize the XXXX payment was for the amount of XXXX $ and Chase declined the XXXX payment a couple times before they actually decided to approve it and let it go through. I made a dispute in which they gave me the money back until they investigated, after 2 weeks I see that they declined the claim and took the amount out of my account leaving my account on a negative balance. They were not able to prove that the transaction was me that authorized it, all they said was they couldnt help me further. I am sure you are aware that it is illegal to wrongfully accuse me of this transaction without any proof. And I will indeed take legal actions if I have to. I am requesting full validation that this indeed was me.
Product: Credit reporting or other personal consumer reports

I have asked XXXX, Equifax and XXXX XXXX to provide for me the documents with the original signatures and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous inquiries on my credit report that I never authorized. I paid for Experian membership and cant review my credit report. The inquiries are from companies i have not seek credit from. Experian refuses to take identity thief seriously. Its bad enough they have let a collection agency stay on my credit report without really investigating. After the collection agency deleted the account several times Experian will not delete XXXX XXXX XXXX from my credit report. Inquiries are popping up on my credit report and i dont understand why and who is doing it.
Product: Vehicle loan or lease

I requested a full payoff amount with the lease financing company ( ALLY Financial ), and they gave me the final payoff amount. I paid it and then they tried to charge me more money months later. When I didn't pay the extra charges, they sent the credit bureaus derogatory payment information. My credit score dropped from XXXX to XXXX. They can't give customers a full payoff amount and then charge more at a later date. That's akin to a restaurant telling you you owe more money for dinner a week after you ate... Please rectify this, I need my credit score back to where it should be and ALLY Financial must be punished for their criminal actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letter 's to XXXX and XXXX XXXX about a collection account that is still showing on my credit report. I no longer have a collection with these 2 companies and it's still showing up on my consumer report which is causing me personal and financial problems.
Product: Checking or savings account

During the month of XXXX my account was hacked after receiving an invitation to register on the website XXXX to bid on repossessed cars. Soon after giving the website my financial information my account was continuously debited for items I never bid on or received and I was charged for the items even after contacting the merchant. Soon after this my account was fully taken control of and I was locked out of the account and when going to a branch I would be told I needed to speak with customer services on the phone. The customer service over the phone was unable to verify me due to my phone being stolen and me not being able to verify identity. I suffered a mental breakdown and was placed in treatment. Upon my release I was able to get new documentation to verify my identity only to learn my account had been completely drained and had a negative balance, I also learned my savings account had been changed into a checking due to the large amount of transfers being placed
Product: Mortgage

I have been with the same mortgage company for over 7 years and have never missed a payment or paid late. My payment history is 100 % excellent for my mortgage and all other accounts. I never received a statement in the mail or electronically for XX/XX/year> from LoanCare. I am set up to receive mail and electronic communication with Loancare and nothing on my account as far as contact information has recently changed. XX/XX/year> I did not receive one form of communication from the lender that my payment was not posted to my account. On XX/XX/year> I received an email from XXXX that one of my accounts on my credit report was past due. I immediately researched this via XXXX to find that my XX/XX/year> mortgage payment was never posted to my account. Double checking all of my emails and mail to find not one correspondence from LoanCare that my payment was due or even past due. I logged in online to Loancare 's website only to see that the website and platform is totally different making the borrower use XXXX separate websites to even make a payment or see information. I immediately posted the " past due '' payment & requested the late fee & negative reporting to my credit report be removed. Loancare removed the late fee and told me they couldn't remove the negative on my credit. I believe they had a system update and internal error causing my payment to not post to my account. I am asking this negative remark to be removed from my credit report as this was not MY fault but LoanCare and their negligence causing the consumer to suffer the consequences resulting in a decrease of credit score XXXX points! My credit score has always been in the high XXXX and this is unacceptable to do to someone that prides themselves with their credit and paying ontime.
Product: Debt collection

I have reached out to this company and notified them that I did not open this account. I sent them a FTC report along with proof of my identification. This account was a result of Identity theft. This company is still reporting this fraudulent account to credit reporting agencies. Capital One has not supplied the following information I requested : 1.A complete Audit Trail pursuant to U.S Code 552a ( d ), including all documents, but not limited to, ledger of account,, File, all and any transactional history documents.

2.Verification notarized by the accountant assigned to oversee that particular account.

3.The Original or Master promissory note.

4.Documentation that shows I agreed to pay this debt with my wet signature.

5.The Agreement that grants you the authority to collect on this alleged debt.

6.Documentation showing I gave you permission to have my information and paperwork showing I gave you permission to report this to my credit report. No consent to you having my information is Identity Theft and you will be reported as such.

7.A copy of your state license, including the license number that gives you the right to collect in my state.

8.Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt.

9.A Form 1099c from the IRS since this account was charged off, and the IRS defines a charge off as income I should have received a 1099c regarding this account.

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Product: Checking or savings account

My bank account was charged but a foreign exchange company bank denied my claim
Product: Checking or savings account

The checking account was opened on XX/XX/XXXX and funded with an initial amount of {$250.00}. I applied for the account using a promo code and offer with the following terms, I expected to receive a {$400.00} sign up bonus after satisfying the terms of the offer, which I did as of XX/XX/XXXX ( 60 days ), my last qualifying direct deposit was on XX/XX/XXXX. 
Promo code XXXX Offer terms : sign up b/w XX/XX/XXXX and XX/XX/XXXX. Complete recurring direct deposits of 2 or more that total {$5000.00} or more within 60 days to receive {$400.00}. Payment within 60 days of verification ( which would have been XX/XX/XXXX ). 
Direct deposit # 1 - XX/XX/XXXX - {$2500.00} Direct deposit # 2 - XX/XX/XXXX - {$2500.00} Having not received the bonus deposit, I followed up with customer support starting XX/XX/XXXX. They did not dispute the promotion being attached to my account. They asked I wait for some time to pass. I followed up after some time and had some back and forth emails. Customer service indicated the direct deposits ( from my employer and via payment processor XXXX ) were coded as funds transfers. I provided proof of the paycheck direct deposit in the form of statements directly from XXXX. As of XX/XX/XXXX they informed me that they could not make an exception due to the way the deposits were coded, hence I am lodging my complaint here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the inability of the Credit Bureaus to verify the disputed account on my Credit report despite the multiple letters I have been sending to them! How many letters would it take me to send to them in order for the Credit Bureaus to update and correct the status of this account? Once again, I am NEVER LATE in paying with this account. I have my own record of payment history to ensure the data the Credit Bureaus and the creditor present is accurate and not erroneous. The information the Credit Bureaus present does not match with what I have! I am requesting that the Credit Bureaus stop this erroneous reporting and correct this account to report accurate information on my Credit report! The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law : Experian : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX XXXX XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020 XXXX : XXXX XXXX Balance Owed : {$290.00} Date Opened : XX/XX/2020
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a hard inquiry from capital one that was not me. I contacted capital one and the saw the application that was submitted and told me that they have submitted to the three credit bureaus that it was not me. I was told to contact consumer finance.gov and reported to you guys too. I have also contacted XXXX XXXX and told him about the problem, but I still have the inquiry on my credit report. Thank you
Product: Checking or savings account

Hello, I today received a call at XXXX XXXX  on XX/XX/2021 regarding an over drafted balance that they worked with Wells Fargo collections services. However, they have called me multiple times and i answered and I asked for their name, managers name, and told them they were violating my rights by harassing me. I told here she will be expecting an invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency reporting chapter XXXX bankruptcy and bankruptcy dismissed.

However US bankruptcy courts does not release information to third parties. Based on this information must be deleted from my report.
Product: Credit reporting or other personal consumer reports

delete XXXX XXXX XXXX  in accordance with the Fair Credit Reporting act XXXX Account # 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 ( XXXX XXXX  XXXX ) I DID NOT COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit card

I requested to close credit card account last year. The customer service agent never closed the account, although telling me they had - and its remained open without my knowledge.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) My XXXX XXXX Credit Card is not reporting on all 3 bureaus and it should be. 

2 ) I have tried repeated times to get inquiries off of my report that I am not aware of. To make it worse some of those inquires show up multiple times on my credit reports on all 3 bureaus.

3 ) My XXXX XXXX Credit Card does not show up on my Equifax report but shows on XXXX & XXXX.
Product: Debt collection

This is XXXX XXXX with new and updated information about my last complaint ( XXXX ) before I commence litigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has willfully failed to comply with 15 USC 1692c ( b ) for the third time which is a statutory violation pursuant to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX  ). Although from the XXXX XXXX, this case also addresses issues relevant to the XXXX XXXX 's treatment of debt collection communications under the FDCPA. It stresses that debt collectors may only report to credit bureaus if the consumer has provided consent, and if they report without consent, it can be a violation under 15 U.S.C. 1692c ( b ).
Product: Debt collection

I borrow {$5000.00} from but I went to a financial crisis and they write off my debt and send me on collections without noticing me or provide me a 1099-C
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX and XXXX XXXX I placed a call to Equifax and XXXX Consumer Solutions. I informed them that it is inaccurate names, addresses, phone numbers, and employers information being wrongfully reported without my consent nor to my knowledge.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX XXXX Balance : {$750.00}
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX  XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX, GA XXXX. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX The correct name is XXXX XXXX The correct employer is XXXX XXXX XXXXXXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$490.00} XXXX XXXX  XXXX Balance Owed : {$610.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX  XXXX Balance Owed : {$550.00}.
Product: Debt collection

I have car insurance with XXXX  threw an agent my insurance monthly is no more than XXXX dollars my policy term XX/XX/2020- XX/XX/2020 was cancelled - all unearned premium should have been adjusted and no balance should be owed on that account which is account number XXXX My insurance agent sent them a letter as the agent is brown agency phone XXXX - When u have a car if u dont pay the insurance they cut you off give u a 7-14 day grace to pay whats owed for the month and if u dont have insurance how are they billing me 800.00 plus dollars when my insurance was only XXXX a month - I owe nothing and I currently have an account with XXXX this debt is incorrect - I have tried to resolve please help me Caine & weiner saying I owe XXXX $