23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the Covid-19 Pandemic I did not take XXXX dollar of unemployment or PPP funding . The account in question has been on my credit report longer than legally required. In addition, I should have never had any late payments showing during the Covid-19 timeline. Since this account is paid in full, I respectfully request as a professional courtesy the deletion of the account permanently. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On three different occasions ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I was denied housing because of inaccurate information provided by Corelogic in my background/rental history report. There is a Judgment in the amount of {$2500.00} on my rental history. I have made payments to XXXX XXXX totaling {$1500.00} and my balance does not reflect that so potential landlords are holding this against me and I am unable to rent an apartment. Please help me get this corrected before I am homeless.
Product: Mortgage

Roundpoint bought our mortgage from XXXX. I made changes to my automatic payments through my bank ( XXXX ). I have never missed a payment or have been late in fact I pay a little bit early. When I called Roundpoint after receiving foreclosure mail with no numbers or dates on it they said that my payment went up in XXXX by XXXX. They did not notify me of this change, but I quickly paid the past due amount in XXXX. They couldn't seem to understand that I have never been late and in fact have been paying early. I continued to have late payment notices, when I called Roundpoint again they said that they mistakenly applied the full XXXX payment to the principle. I stated that I should not have to pay late fees due to their clerical errors. None of the statements from them reflect any of this. I am concerned that them reporting my payments late since they took over the loan servicing will effect my husbands and I 's credit.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that i may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and found multiple accounts with conflicting information between the XXXX credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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'm not liable for this debt with XXXX XXXX XXXX. I do not have a contract with the XXXX XXXX XXXX agency They did not provide me with the original contract as requested.
Product: Credit card

In XXXXXXXX XXXX XXXXXXXX, I had XXXX credit cards that I needed help paying off, and Capital One enrolled me into XXXX different payment plans. One was a suppression one where they, apparently, only suppress the late fees, and the other is a hardship one. I called on XX/XX/XXXX, after paying some of my debt off, and something looked strange. When I called, the representative told me that they can only read it to me and not send it to me. They also told me that in order for me to know what happens if I decide to close my account, I have to start the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have called XXXX XXXX and XXXX and disputed in writing regular inquiries promotional inquiries and supplemental credit and checking account XXXX. all be removed from the credit reports. The following are the worst items. XXXX XXXX is incorrect with a balance of XXXX incurred in XXXX Yet the next line show that I have an exceptional payment status. Then next line says the account is closed. Ironically I have asked XXXX to show me what the original loan balance was and they did not respond. It is not reflected on the report. and I was unaware that state social and health departments gave out personal finance loans. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX cooperative all are reporting negative and in accurate and disputed data. The next credit agency XXXX shows the same delinquent, closed, and paid account from XXXX XXXX the account number is XXXX for {$9100.00}, next XXXX XXXX with an account number XXXX shows a XXXX balance. The account is closed, yet it says I still owe {$990.00} and its open. XXXX XXXX bill for XXXX for {$54.00} in the account XXXX has also been paid and still reflects a negative balance. XXXX and XXXX  show that nothing is owed nothing is revolving and I have no open accounts with an exception of one account for {$330.00} from the XXXX credit report. XXXX  shows that I have a total debt amount of {$54.00}. XXXX XXXXXXXX dollars and XXXX XXXX a debt over {$12000.00}. This is not accurate clearly. I asked that all these items be taken off and removed one way or another from my reports. Next on XXXX Ive apparently had over 72 inquiries also inaccurate. I have a similar number also with XXXX, yet only 25 inquiries with XXXX. All of this information is false, inaccurate, fudged, incorrect, and detrimental. I have asked repeatedly with both the creditor and perspective credit companies to show proof. Not a single document verifying or even asserting to the debt was returned. I asked and disputed and requested That all these inaccurate anomalous blemishes be removed from the various reports perspectively. I must reiterate however the very worst revolving accounts that should not be there or XXXX with an account number of XXXX and in the amount of XXXX dollars XXXX XXXX  with an amount of XXXX Dollars Via JP Morgan Chase also XXXX With a steel revolving balance of {$330.00} this will be supported via documentation.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

On numerous occasions I have asked them not to call me. I considered the tactic harassing after getting calls from XXXX up to XXXX. The same number and different names of law firms being given. I all ask is to stop calling me any communication needs to be by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX violated FCRA 15 USC 1681b permissable purpose of a consumer report. showing a late payment on XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX and transunion regarding an extended fruad alert that was appearing on my credit file that i did not request and that was ultimately placed on my file without my permission, each consumer reporting company told me they had trouble verifying me and to sumit a dispute and attach documents however i submitted this dispute asking this information / alert to be removed from my credit file XXXX and transunion have faailed to remove this information or answer my dispute in a timely fashion or comply with the fair credit reporting act 16 usc 168i iam asking that this information / alert be removed from both my XXXX and transunion credit file as its hendering me from obtaining credit additionaly XXXX has failed to allow me to access my report iam asking that my report be made available to me as required by law
Product: Student loan

On XX/XX/year>, I received an email from MOHELA with the subject line " Interest Accrual During Forbearance. '' The body of the email notes " During periods of forbearance, interest continues to accrue. '' MOHELA sent me this email even though I am currently entitled to a XXXX XXXX interest rate due to the SAVE-related forbearance. I find this email to be misleading. Upon logging into my account, a letter dated XX/XX/year> entitled " Loan Update '' is present in my online account inbox, stating " Although no payments are due at this time, interest continues to accrue on your loan ( s ) during the forbearance period. You have the option to pay the interest during forbearance. '' As someone who is working towards PSLF, I find this email to be disingenuous as it is not to my advantage to make payments when those payments will not count towards PSLF due to the mandatory SAVE-related forbearance. While the letter accurately indicates my interest rate is 0 % in the table, I find the overall language misleading and feel that MOHELA is not properly portraying my correct account status. I've attached both a copy of the email and the letter for review.
Product: Debt collection

I'm not liable for this debt charter communications. I don't have a contract. XXXX  collection Agency ( Debt Recovery Solutions ) they didn't provide me the original contract as I request, Please Correct my credit report I demand this account be removed from my credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a few Car lots and they only said they were my credit once and they ended up running my credit numerous amount of time. State ended up affecting my credit negatively. I did not authorize numerous inquiries. Here are the inquiries that I did not authorize listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

BANK OF AMERICA CLOSED MY ACCOUNTS FOR NO REASON. I HAVE 100s of Bill pays set to my account, and it negatively affects my credit scorXXXX. Please reopen my accounts ending in XXXX and XXXX. See two letters attached. Please do follow up with me.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding an unauthorized account reported by CI Systems Collection Agency on my credit report. This company is contacting me repeatedly and has failed to provide any validation of the alleged debt despite my clear dispute of the account. Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Details of the Issue : Unauthorized Account : I have never opened or held any account number ending in XXXX with CI Systems Collection Agency or any entity they claim to represent. Despite this, they have reported an account under my name to the credit reporting agencies, which is now negatively impacting my credit score. 

Failure to Validate the Debt : I have repeatedly requested that CI Systems Collection Agency provide verification of this account or proof that I owe any debt to them. They have refused or failed to provide the necessary documentation as required by law. 
Harassment : CI Systems Collection Agency has continued to contact me about this alleged debt despite my dispute of the account. This behavior constitutes harassment and is a violation of the FDCPA.

Violations of Credit Laws : Fair Credit Reporting Act ( FCRA ) : CI Systems Collection Agency has furnished inaccurate information to the credit reporting agencies without proper investigation or validation. 
Fair Debt Collection Practices Act ( FDCPA ) : The company has engaged in harassing communication and has failed to provide validation of the alleged debt within the required timeframe.
Product: Credit card or prepaid card

I have a Credit Card with Capital One. There were fraudulent charges on the account. They removed the charges after hours on the phone. Then a few months later they put the charges back onto the account without notifying my and then started calling me arguing with me on the phone saying that the charges were mine. I asked them to please notify me in writing what charges they were questioning. I never received anything in writing and they refused to resolve the matter. I then transferred any charges that I knew were mine to another credit card and in XX/XX/2018 asked them to close the account and let them know that I would not be responsible for the charges. I just received a statement out of nowhere today XX/XX/XXXX stating I have a much higher balance. I also was notified by the credit bureaus. I submitted these letters to the credit bureaus and they keep telling me that the account is correct!! I called Capital One telling them the WHOLE story again and that this was a final courtesy call regarding the matter. They did state that they received my XXXX letter asking them to close the account and didn't know why it was still open and said they would close the account but all of sudden we were disconnected ... which happened many times before. This time I actually asked if the person I was speaking to was actually was in the United States and they said no. I am hoping to have someone please investigate Capital One and my account and listen to the phone messages of the harassment from their fraud department. I hope this matter can be resolved. Thank You
Product: Credit reporting

Please be advised, this company was already put on notice and sent documentation I am a victim of identity theft. Transunion provided my personal credit information to companies without ANY PERMISSIBLE PURPOSE under FCRA 604. 

I have attempted to dispute several inquiries with Transunion and they refuse to investigate these fraudulent inquiries. I have contacted all creditors listed below directly and they have referred me back to Transunion, I 'm getting the run around. These inquiries into my credit file were not authorized. 

XXXX Requested On : XX/XX/2016, XX/XX/2016 XXXX XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 XXXX Requested On : XX/XX/2016 I am requesting these inquiries be removed from my credit file as they had no permissible purpose to even access it. Per FCRA. 

Thank you.
Product: Mortgage

This is a follow-up to Case XXXX concerning Wells Fargo statement that they have not been able to get a hold of XXXX XXXX to discuss correspondence regarding XXXX. 
On XXXX XXXX I spent 2 hours on the phone and explained 5 times about the sale of my home to Wells Fargo and then finally transferred to XXXX. She gave me the fax number XXXX to fax to them final copies of the sale of my home on XXXX/XXXX/XXXX to XXXX XXXX from their lawyers XXXX, XXXX XXXX XXXX XXXX, XXXX Wi XXXX. Registered Mail. A sheet was received stating all XXXX pages and cover sheet was received. It explained the assessed value of {$86000.00} not {$140000.00}. Sale XXXX/XXXX/XXXX while they said abandoned XXXX/XXXX/XXXX to the IRS. It said I owed them {$100.00} while filed papers stated 5 times it was under XXXX allowing them to sell in 3 months and not holding me deficient for any amount. On XXXX XXXX, XXXX I called back and was on the phone over an hour and finally ended up talking to XXXX who constantly tried to get my phone number. I called on a blocked number. I would not give them my phone as they had harassed me 3 to 4 times a day until I had to have my phone removed. AND THAT WAS AFTER THEY HAD GIVEN ME PERMISSION TO LEAVE MY HOME XXXX XXXX, XXXX ... AND THEN DENIED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of fraud with a Best Buy visa credit card from from my property that was stoled on XX/XX/2020, the bank didn't help and im sending the police report to re open the case, I've been taking care of the situation with the police department and they are moving forward with the investigation watching all the cameras at the stores to find the responsible of this. but my card must be at XXXX $ again. because im not responsible for any charges that month and I need the sooner respond. my best regards. XXXX XXXX.
Product: Vehicle loan or lease

The car taken in XX/XX/2023, I wrote American Honda financial I wrote wrote the all the credit bureaus included this company with all the law violating and nothing had happen yet. Im the beneficiary and surety of this account although you might have titles. I have equitable interest which outweighs anything that you might have. Im Surety, delete this accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open-end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

Inquiries on my credit report that authorization wasn't given to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An {$26000.00} auto loan for XXXX XXXX XXXX showed up on my credit report that I am totally unaware of. It was opened in XX/XX/XXXX and recent monthly payments of {$660.00} have been missed or overdue. I called XXXX XXXX XXXX twice. I spoke to a manager named XXXX on XX/XX/XXXX and a worker named XXXX on XX/XX/XXXX. Initially I asked how to report identity theft and XXXX said she would forward the information to the fraud department and they would reach out to me. I haven't heard anything back. When I talked to XXXX she gave me a little bit of information about the account and said she would email me a copy of the loan document, but I haven't received it. I also emailed the company on XX/XX/XXXX reporting that this is fraudulent and that I should not be liable for this account. They didn't email me back, so I emailed back on XX/XX/XXXX and they still didn't respond up until now and it's been past 30 days.
Product: Debt collection

In XXXX of 2020, a debt collection company named Security Credit Services notified me saying that I owe them {$2900.00}. When I tried to ask for information about this account, they were unwilling to give me information about it ; besides the fact that they have a signature that's supposedly from me & that they purchased the debt from XXXX XXXX. Numerous amount of times, I've disputed the account stating that they must have the wrong person because I am unaware of ever even applying for anything with XXXX. This account has been disputed 6 times, & still they are unwilling to remove this account from my report. I then took matters into my own hands & got help from a credit repair XXXX, & still nothing was resolved. This account is negatively impacting not only my credit score but also my credit report & it sucks because the debt they're trying to collect isn't even mine. I am in the process of looking for a new home, & knowing that this account is impacting me negatively is very discouraging. It makes it 10x harder to even consider getting a home when dealing with debt collectors who are like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE CC # XXXX HAS BEEN PAID OFF > STILL SHOWS A BALANCE.