23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX LAST 4 SOCIAL : XXXX CREDIT BUREAU NAME : XXXX XXXX XXXX To Whom It May Concern : I've found multiple inaccuracies and I'm aware that your job is to ensure the accuracy of my credit report. 
ACCOUNT NAME : XXXX XXXX # : XXXX Why is it that this account is reporting two different Dates of last activity? This is inaccurate reporting according to the Fair Credit Reporting Act. If you would, please investigate and DELETE these items and send me a new credit report reflecting the changes.
Product: Checking or savings account

U.S. Bank had a {$500.00} bonus promotional offer for opening a new smartly checking account which required direct deposits being deposited into the account. 
I signed up for this promotional offer opening the account and had my employer direct deposits posted into the account. 
But the bank is not honoring the promotional offer and denying the bonus by saying that the deposits in my account are not employer direct deposits but an internal funds transfer initiated by me. This is not true and I am not sure how they came to this conclusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Data Breach of my personal information as dated XXXX XXXX, 2017.
Product: Debt collection

I was contacted months ago ( I can not say specifically when ) by XXXX XXXX XXXX, and they were seeking to collect a debt owed by a " XXXX XXXX ''. I explained that my name is XXXX XXXX and I didn't think they had the correct individual. They have MY SS # and d/o/b associated with the disputed accounts, however, and eventually reported this as an unpaid debt to XXXX. There were two accounts, one for {$62.00} that now indicates it has been " charged off '' and one for  {$1100.00}. I disputed with XXXX. I contacted Harvard. XXXX reported on their investigation that the debt is " VERIFIED AS ACCURATE ''. I called the billing service for the original debtor and THEY indicated to me that my d/o/b does't seem to match the individual for whom services were provided. I have provided Harvard with a copy of my DL and SS card. Just today I got off the phone with Harvard and their "  manager '' indicated two offers. Either to report the debt as disputed, or he was preparing to " offer '' me to remove the debt and he was calculating a dollar amount, a percentage of the total owed for what he says is three separate accounts. I am not satisfied with those two options. Harvard obviously purchased the debt from a physician 's billing group, and I have absolutely no idea where or who attached my personal information to the individual that received the disputed services.
Product: Credit reporting

i am XXXX XXXX. i have recently tried to get some info.from equifax and they asked me XXXX or XXXX questions pertaining to my past addressess etc ... and i responded to them none of the above because none of the options of questions contain anything true about me, so they sent a message that said we can not verify your identity because XXXX of the selections you answered are revelant to you.i had good credit when i applied for a XXXX XXXX XXXX credit card iwas granted one .at that time my good credit was found out about i think and they must have gotten all kinds of credit cards and mortages car loans etc ... i assume and all the bad debt about it all is showing up mostly in equifax.please investigate this fraudulent concern and law violations because they XXXX when you a debtor you relatives and identity theft thier monies pensions real-estate deprive debt heirs thier inheritence etc.. and this time they did it real bad.it is possibel that equifax is corrupt also by them you check it out because it 's the right thing to do.thank you, XXXX
Product: Debt collection

Enhanced Recovery is reporting a fraudulent collection account to XXXX, XXXX, and XXXX. I have never had any past service with XXXX XXXX XXXX XXXX XXXX Their refusal to remove this fraudulent account reporting to XXXX, XXXX, and XXXX appears to be fraud and illegal business practices rather than any mistake. 

I filed a fraud report previously to FTC regarding this account and it was removed from my credit report with all 3 credit bureaus previously. 

XXXX XXXX FTC Report # XXXX Submitted : XX/XX/2022
Product: Credit reporting or other personal consumer reports

Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. this is what is currently showing on my credit report i would like them to send me a contact stating i had a contract or account with them or verify this debt is mine if is not please remove inaccurate information off my credit report as it is reflecting negatively on me to lenders. 
thank you Balance {$3300.00} Balance updated XX/XX/XXXX Original balance {$3300.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$3300.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX, FL XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this follow up complaint to once more address the persistent issue of numerous fraudulent items remaining on my credit file despite previous attempts to have them removed. It is unacceptable that XXXX and TransUnion Credit Bureaus have failed to comply with the law and continue to maintain inaccurate information. I demand immediate removal in accordance with Section 605b of the FCRA, which clearly states that in the absence of any proof documentation bearing my signature, these items must be PROMPTLY DELETED from my credit file : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Bankruptcy XXXX XXXXdischarged Filed on XX/XX/XXXX Reference XXXX XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TRANSUNION : XXXX XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute against erroneous information reporting on my credit report XX/XX/XXXX. the investigation was completed XX/XX/XXXX and the results were the item was deleted off of my credit report. One XX/XX/XXXX, the reporting agency RE-INSERTED the information on my report.
Product: Money transfer, virtual currency, or money service

I recently purchased some crypto  currency on gemini.com. After putting in {$750.00} I discovered I could not withdrawn my funds, just getting the notification " User Verification Pending ''. I have waited almost a month for them to supposedly " Verify my account. Doing some research online I discovered many others had had this problem and their money was held up indefinitely.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that the agency didnt make sure it was reporting 100 % correct. XXXX XXXX  is reporting on XXXX, XXXX and Experian. I have know kowledge of this company. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. s 1681i ( 7 ) Method of verification Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe the account you are furnishing are Fraudulent and incomplete because a XXXX was filed with the company 's. According to the IRS form XXXX must be filed regardless of whether the debtor is required to report the debt as income. This make the status of this account inaccurate or incomplete and must be deleted from my consumer report. Income is not stated on any consumer report. 

Also its so many inconsistency with your reporting across the 3 consumer reporting agencies. I have Photos to prove it. it's been a few investigation all came back verified but no method of verification has been sent back to me as i requested.
Product: Credit reporting or other personal consumer reports

While going through my credit report, I noticed several billing issues. The late payments listed are inconsistent with my reliable payment record. Please address these errors and update my account. Thank you!
Product: Mortgage

We bought a house on XXXX 2015. During the process of getting the loan we found many difficulties dealing with the lenders. Just because we could not prove that we paid the rent we previously had, the interest rate that was given to us is 7.25 %, when the rate at the time was around 4 %. Thus, our payment for the mortgage is well above what we expected. We have a letter from the landlord that states that we paid in the rent, they said that was not enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX XXXX and my credit score only went up 5 points. My credit score should have increased at least 23 points for the removal of a collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never made this accounts i have 2 fraud opening accounts under this company name Upgrade Inc. I have called them and put a investigation to have this resolved. 

First account fraud made Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months Second Fraud account activity on my credit report Account info Account name UPGRADE INC Account number XXXX Account type Line of Credit Responsibility Individual Date opened XX/XX/2022 Status Open/Never late. 
Status updated XX/XX/2022 Balance {$3800.00} Balance updated XX/XX/2022 Recent payment $ 0 Monthly payment {$0.00} Credit limit {$4000.00} Highest balance {$3800.00} Terms 1 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has not reported my credit history for my credit card that I have had for the last 9 years. I asked them to begin reporting my credit card and payment history and they have not.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Documentation and Action Regarding Unauthorized Inquiry and Security Interest Dear Capitol One, I am writing to address a concerning matter regarding an inquiry reported by Capitol One, which lacks permissible purpose and, as such, constitutes potential identity fraud. Per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 604 and 605B, I am requesting immediate action to rectify this situation. 

Firstly, I require documentation proving that I provided express written consent for Capitol One to report the inquiry in question. As there is no evidence of such consent or a court order, I must assert that this inquiry lacks legitimacy and is thus subject to removal. 

Per the FCRA Section 605B, a consumer reporting agency must block the reporting of any information resulting from alleged identity theft when identified by the consumer. Therefore, I am formally notifying Capitol One to remove this inquiry from my file within four business days. 

Furthermore, it has come to my attention that Capitol One neglected to inform me of my right to rescission, as outlined in the Truth in Lending Act ( TILA ), specifically Regulation Z ( 12 CFR 1026.23 ). This allows me to revoke any rights waived, particularly those related to the security interest. I am requesting the CUSIP number associated with the security interest provided to Capitol One. Failure to provide this information will leave me with no alternative but to initiate a level 3 audit on my account.

I expect prompt compliance with these requests to avoid further escalation of this matter. Failure to do so will be regarded as willful noncompliance and may result in legal action. 

Please provide confirmation of receipt of this letter and a timeline for resolution of these issues.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/XXXX Consumer Portfolio Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Account No : XXXX Dear Sir/Madam, I am writing to address the recent communication received from your office dated XX/XX/XXXX, regarding an outstanding balance associated with Account No : XXXX under the names of XXXX XXXX XXXX and XXXX XXXX XXXX However, after reviewing the information provided in your letter, it has come to my attention that there are inaccuracies that must be urgently rectified. 

The statement made in your correspondence regarding the outstanding balance of {$22000.00} is in dispute due to the fact that the XXXX XXXX XXXX owned by XXXX and XXXX XXXX was involved in a car accident on XX/XX/XXXX. Notification of this incident was promptly conveyed to your company both via email and through a phone conversation with one of your agents. Consequently, the continuous reporting of this alleged debt to three credit agencies is a clear violation of the Fair Credit Reporting Act. 

I hereby demand the immediate removal of this inaccurate information from all credit agency reports. Failure to comply with this request will leave me with no choice but to pursue legal action to address this matter and seek appropriate remedies. Legal counsel will be engaged to handle these matters should the erroneous reporting persist. 

I urge you to conduct a thorough review of your records and make the necessary corrections to accurately reflect the circumstances surrounding the referenced account. Any further attempts to collect on this disputed debt will be considered a willful violation of consumer rights and fair credit practices. 

I kindly request that you provide written confirmation once the corrective actions have been taken to ensure the accurate reporting of this account. Your prompt attention to this issue and a resolution that aligns with credit reporting laws and regulations are expected. 

Thank you for your cooperation in promptly addressing this matter. 

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

My name is XXXX XXXX, I am writing this complaint on my own behalf their are no third parties involved. I have been a victim of identity theft, and there are still remaining fraudulent accounts listed on my credit report that are delinquent, and have been furnished to my report without my written nor expressed permission. This is a large issue, to be presented to Transunion due to the continued efforts on my end to have each of these accounts removed and resolved at once. The accounts I have disputed these fraudulent accounts that are in my name over 7 times now and theyre negatively affecting my credit file. The following accounts on my Transunion report need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX not only are these accounts fraudulent but these same accounts are reporting completely inaccurate information acrossed all three consumer reporting agency reports. It is the responsibility of Transunion to be reporting 100 % completely accurate information, and at this time, they are not doing so. This is breaking the law, and preposterously making use of my credit file to illegally furnish said accounts that ARE NOT MINE.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am writing to bring to your immediate attention a matter of significant concern regarding my credit report, managed by your agency. Upon reviewing my credit report, I have identified several accounts that I believe have been reported in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 USC 1681, 15 USC 1681c ( a ) ( 5 ), and 15 USC 1681s-2 ( A ) ( 1 ). 

The accounts in question are as follows : XXXX XXXX - Account number : XXXXXXXX XXXX XXXX  - Account number : XXXX XXXX - Account number : XXXXXXXX XXXX - Account number : XXXX XXXXXXXX XXXX - Account number : XXXX XXXX XXXX XXXX - Account number : XXXXXXXX XXXX XXXX Account number : XXXX These accounts have either been reported without my express written permission, contain inaccuracies, or include adverse information that is outdated and thus should not be part of my consumer report. 

In accordance with the FCRA, I am formally requesting the immediate deletion of these accounts from my credit report. This action is necessary to correct the inaccuracies within my report and to restore my rights to privacy and confidentiality as mandated by federal law. 

I have taken the steps to document these discrepancies thoroughly and expect a swift resolution to this matter. According to FCRA guidelines, I understand that you have a legal obligation to investigate this dispute and provide me with a response within 30 days. 

Please consider this letter a formal dispute notice, and I request that you initiate the investigation process immediately. I am prepared to take further action, including seeking legal counsel and filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), if these issues are not resolved promptly and satisfactorily. 

I appreciate your immediate attention to this urgent matter and expect to hear back from you with confirmation of the deletion of these accounts or, at the very least, an update on your investigation within the statutory timeframe. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

A fraudulent address was added to my credit file by Lowes. I live in XXXX and the address added to my file was in XXXX. The credit reporting agencies said they can not remove the address and to contact Lowes. Lowes has not removed the fraudulent address nor responded to my request.
Product: Credit card

This correspondence is to notify GOLDMAN SACHS BANK that there are fraudulent account ( s ) resulting from Identity Theft being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, GOLDMAN SACHS BANK debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report this morning, I was surprised to find incorrect accounts listed, and I dont understand how they got there. I check my credit report routinely, yet this time, there were unexpected errors. I attempted to refresh my browser to see if it was a technical issue, but the inaccuracies remained. Because of this, I ask that my submitted documents be carefully reviewed to resolve the problem permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate unverifiable information on my credit report. Experian is reporting a Chapter XXXX Bankruptcy in my public records that has not been 100 % properly verified. After conducting a reinvestigation from my last dispute Experian stated in their result finding that they have contacted the public record vendor ( US BKPT CT IL XXXX ) to verify the disputed Bankruptcy is reporting accurately. 
I have reach out to the ( US BKPT vendor ) with the contact information given to me by Experian and this vendor has confirmed that they DO NOT report this type of data to credit reporting agencies. They also confirm that they do not have any information on me at this time. Experians method of verification for public records is not complying with the requirements of the Fair Credit Reporting Act ( FCRA ). 

This inaccurate chapter XXXX bankruptcy has been deleted from my other credit reports. Please see attachment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1100.00} ), XXXX XXXX XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$580.00} ), XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ) Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

I am submitting this complaint regarding multiple errors in student loan servicing, credit reporting inaccuracies, and violations of federal laws concerning my student loans, charge-offs, collections, and revolving accounts. These errors have caused financial harm, incorrect PSLF payment tracking, and misreporting of my accounts.
Product: Debt collection

Its capital one credit card and its under debit collection its XXXX XXXXXXXX XXXX phone XXXX I cant remember what it is about
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma per approved credit cards advertisements made my score change harmfully