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

According to my research about FCRA 605, credit bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that CREDIT BUREAUS must remove are listed below : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$17000.00} ; XXXX XXXX  XXXX Balance : {$4300.00}.
Product: Credit reporting or other personal consumer reports

I am promised accuracy on my consumer reports based on XXXX laws and there are more than XXXX errors also collections & charge offs. Company in question is ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ) I have disputed these items multiple times because of these errors its affecting my ability to obtain more and new credit because of damaging low credit scores which is insane because I am aware of my status of unlimited credit living as a private citizen and also status of a XXXX XXXX out all jurisdiction without prejudice. Below is a list of laws supporting my claims pertaining towards collections, charge off, privacy, misleading information, unauthorized permission, and many more All companies on my consumer reports are in violation of all these laws ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) There are so many Violations I can keep going just by looking at all these accounts. I'm going to attach copies of the many letters I sent out to the companies.
Product: Vehicle loan or lease

RE : Capital One Auto Loan From XX/XX/XXXX- XX/XX/XXXX.
This loan is paid in full. I have received my title to my XXXX XXXX XXXX.
Through the loan payment process 4 payments are marked LATE. These payments should not be marked late. This impacts my credit score and ability to borrow.
Three times I have contact Capital One Auto Finance regarding this situation. As previously stated to Capital One Auto. I moved 3 times through out a 2 year period ( From XX/XX/XXXX- though XX/XX/XXXX ). Change of addresses was from XXXX, XXXX to XXXX, XXXX to XXXX XXXX, XXXX. Missing mail statements. Also, payments bounced back repeatedly. This was an uncontrollable and unfortunate situation. I could not control the US Postal Service.
Capital One Auto Finance refuses to amend, adjust the multiple late payments that should not have been. Capital One Auto has been paid in full on this loan and also, on a previous auto loan. Capital One needs to give me a letter titles to me and the credit reporting agencies waiving and clearing the 4 late payments on my credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed this account before and yet it keeps coming back as meets FCRA standards but Ive provided numerous violations that XXXX XXXX has committed. Ive sent over to them numerous request for validation and theyve never responded. This has been disputed before but yet in the comment section they are supposed to mark this account as Consumer Disputes per the FCRA and which they did not and is a violation. This account has inconsistencies across all 3 credit bureaus for which XXXX  has removed it because of the inaccuracies and violations. This account even shows a {$0.00} for the high balance but yet it went to collections. This account also was submitted on XX/XX/XXXX for dispute which it has been over the 30 day mark even so the 45 day mark. As well as XXXX  this account is not marked that this account has/was disputed which is a violation and the date of last activity both differ from the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

LOQBOX FINANCE LLC XXXX A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.

Your also in violation of 15 us code 1601 ( a ) which is causing XXXX XXXX  and 12 CFR 1026.13
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies refuse to remove inquiries that I did not authorize Transunion XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Previous complaint to Comerica Bank ( XXXX ) was forwarded to the Direct Express Cardholder Advocacy Group XXXX who sent emails to me, requesting additional information. They provided a telephone number ( XXXX ) XXXX and email address, XXXX. ( Wrong information from Comerica caused me to withdraw that complaint and initiate another that went to Direct Express. That new complaint was deemed a duplicate and closed. Fortunately, the first complaint had reached the correct target. ) I received the first email on XX/XX/2021 in which the advocate asserted that she had made more than one attempt to contact me by phone and left a voice mail message. My phone records did not show any missed calls nor did I receive any voice mail message. The second and third emails were sent to me on XX/XX/2021 and included a letter telling me I have until XX/XX/XXXX to contact them or they will close their investigation. I have made repeated calls to the phone number provided and always get voice mail. I also sent several emails outlining the reason for my dispute and providing them my contact information. Direct Express representatives have put in requests for the XXXX XXXX to call me back.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 paypal froze money in my account of XXXX and are withholding 10 % of purchases made via paypal on my business moving forward. When i contacted them to find out why they said the industry I am in ( selling toys ) is a high risk industry and therefore want to hold funds and not give it to me. I asked the reps to look at my account and tell me if I am a high risk business and they confirmed that I am not and my business does not show being at risk with past 2 years history. I let them know I need the XXXX to use for purchases from manufacturers to supply the customers with product and they did not care. Our business is mainly pre order so with the funds not released we will not be able to purchase the product and therefore paypal is causing our business to fail and become fraudulent in this manner. I spoke to the resolution team and provided them with my business license and information along with 100s of pages of invoice and even letters from the companies showing I am an official retailer. They let me know they still did not care and will continue to withhold my customers money from me. I told them I wanted to speak with someone else regarding this and they said they will not do so and any emails and phone calls going forward will be ignored to try and get my money. They are keeping it in an interest bearing account so they can make money off what is owed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Sent a hard copy dispute via USPS certified with return receipt which was delivered on XXXX XXXX, 2017.  Have not gotten any acknowledgement, notification or contact with respect to my complaint and dispute. Attempts to make contact online has been fruitless with the system not acknowledging my inquiry. Telephone contact has sent me around in a circle going from one automated system to another. ****** Recently there was a reduction in my score since the time that I mailed then submitted my dispute. Again after holding on the phone for over 30-minutes, and STILL no acknowledgement of receipt. The 30-days for investigation of my dispute and complaint has already begun. USPS tracking number : XXXX XXXX XXXX, 2017, XXXX XXXX Delivered, XXXX XXXX XXXX, TX XXXX Postal Product : First-Class Mail Features : Certified Mail Return Receipt l
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$13000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . 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 # ( private case number ) 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: Credit reporting, credit repair services, or other personal consumer reports

In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from Nissan about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. Nissan forgot to update this information. Please remove this from my credit history. Nissan needs to update the payment in all major credit bureaus.Thank you.
Product: Debt collection

I have received at least 3 text messages from Shepherd Outsourcing regarding " my XXXX XXXX XXXX XXXX account ''. I thought these were phishing attempts but I was able to verify that these are legitimate text messages from Shepherd Outsourcing. I have pulled my credit report and there is no XXXX XXXX XXXX XXXX account. I have reported these messages as spam but I continue to receive correspondence from Shepherd Outsourcing about " my '' debt that, to my knowledge, I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DOES NOT BELONG TO ME AND THE INQUIRIES WERE NOT AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN THESE ACCOUNTS AND INQUIRIES WITH MY INFORMATION BUT I AM CERTAIN THAT THEY DO NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT THE ACCOUNTS AND INQUIRIES ARE RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Credit card or prepaid card

THIS SAID COMPANY CHARGED MY VISA BANK OF AMERICA CREDIT CARD XXXX ON XX/XX/2010 WHEN I SAW THE CHARGE ON MY STATEMENTS I REPORTED IT TO CREDIT CARD AND I WAS TOLD FROM AT REP THAT THEY WOULD CREDIT MY ACCOUNT WELL THEY NEVER DID. I TRIED TO CALL IN AGAIN TO REPORT THIS SAME CHARGE AND THEY ARE NOW SAYING THAT THE CHARGE IS TOO OLD AND THEY CANT DO ANYTHING FOR ME. IM REPORTING TO YOU BECAUSE THEY SHOULD BACK THERE CLIENTS AND REFUND MONEY THAT WAS TAKEN OUT OF MY ACCOUNT THAT IS FRAUD. PLEASE HELP ME GET MY MONEY BACK
Product: Checking or savings account

I had two checks that I deposited that were a mistake on my part. They were written for an account that doesnt exist anymore. I deposited my new correct checks and they were cleared. I have no access to my bank account or any of money and they refuse to give me any clear answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following unauthorized credit inquiries made by the following companies XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof is demonstrated and provided per U.S. Code 15 U.S.C 1681 SECTION 604 of the FAIR CREDIT REPORTING ACT
Product: Credit reporting or other personal consumer reports

Equifax responded to my request stating that they do not have any personal information on me or a credit record. How are they reporting verified information on my report if they don't have this information? Equifax is doing sham investigations and unlawfully failing to properly investigate my consumer disputes and it's hurting my credit worthiness and is also deformation of my character when other companies see this inaccurate information on my report.
Product: Debt collection

XXXX XXXX XXXX is claiming that I owe them {$490.00} on a XXXX bill that I have no knowledge off, I try to explain to the company that I I do not own this account and they have no proof that this debt belongs to me They are refusing to remove this collection account off my credit report.
Product: Debt collection

My name is XXXX XXXX XXXX and I recently conducted a review of my credit report, and I discovered that your agency shows some unauthorized accounts that I find to be detrimental to my credit. 1. XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 2. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX, Original creditor : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX, Original creditor : XXXX, XXXX} 5. SEQUOIA FINANCIAL SVCS, Original creditor : XXXX XXXX XXXX, XXXX} 6. XXXX XXXX XXXX, Original creditor : XXXX XXXX XXXX XXXX To repeat, these transactions occurred without my permission. I would like to request the suppression of the above items from my credit report, which are the result of me being a victim of identity theft. This information does not relate to transactions that I have made/accounts that I have opened. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act, 15 U.S. Code 1681, 15 U.S. Code 1692g and 15 U.S. Code 1601. As previously stated, I did not originate these debts. Reporting is voluntary not mandatory. Not ONE law says anything has to be reported. In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Product: Credit card or prepaid card

i am NOT making a complaint about Capital one. this has to do with card ending XXXX i was just put on hold gfor 79 minutes while i understand the emergency i cant hold that long. anyway, i ordered from XXXX  around the XXXX  received nothing no answers to my calls emails there have been many please suspend the money and investigate this never received the merchandise. i ordered i cant be on hold for 80 minutes not right. this is XXXX XXXX XXXX. thank you i XXXX capital one and got a ridiculous response.
Product: Debt collection

I settled with a debt collector regarding a medical debt totaling {$1800.00}. We agreed I would pay {$1200.00} which I did on XX/XX/2020. The debt collector was XXXX XXXX XXXX and the gentleman offering the settlement was named XXXX XXXX, phone number XXXX. 
I recently rec 'd a letter from a different debt collector, Radius Global Solutions, stating I owe the difference of {$540.00}. I do not. I've attempted to contact XXXX  by phone and no one answers, I tried chat.. no one answers. I've called the original creditor , XXXX XXXX XXXX, who can see that a debt settlement was reached in 2020, but would not help any further with the debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX AM DISPUTING ON MY OWN, PLEASE SEE ATTACHED FTC REPORT AND DISPUTE LETTER It has also come to my attention you have willfully negligent, non-compliant, reporting inaccurate unverifiable information, damaging my reputation and credit worthiness.
Product: Debt or credit management

I had a XXXX account. My account was switched to SST. I paid my XX/XX/year> bill. Repeatedly SST has stated I have not. Numerous times I have called and emailed my checking account statement showing I have however this company states it was declined due to insufficient funds. Not the case, the funds were removed from my account. They harass me nonstop but now I am stuck with them for this loan.
Product: Credit reporting

I had a property in XXXX, Oregon with a mortgage with XXXX XXXX Bank XXXX Indiana. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX Indiana sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

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

I opened a SELF credit builder account XX/XX/2021. My monthly payments have added up to {$250.00}. I closed my account XX/XX/2021 due to SELF not assisting me in building my credit. In fact, it has nothing. SELF is not refunding me my money. Also, they have stated the additional fees that were not made clear that they are taking out. When I closed the account, I received an email stating the account would close at XXXX XXXX. on XX/XX/2021 and that my money would be refunded to my bank. SELF is now taking out additional fees and procrastinating with my refund.