23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX accounts on my credit report which were taken out fraudulently, without my consent, by a family member. I have disputed this with XXXX XXXX and Experian. 

I provided them all of the documentation as is required by the FCRA and they have failed to block the XXXX XXXX accounts from my credit report. 

Experian provided me dispute results, which is still " pending '' with regard to the XXXX XXXX accounts. Separately, however, they have provided no information as to the status of these accounts being blocked from my report as I have complied with the FCRA by providing a police report ; identity theft report ; proof of identity ( in addition to documentation they requested ( bank statement ; social security number ; full name ; address history within the past XXXX years ; driver 's license ; statement describing the identity theft ). 

Because XXXX  XXXX continues to allege the accounts are mine ( despite the fact that they were taken out under a phone number that does not belong to me and the only reason that phone number exists on my credit report is due to the fraudulent accounts being taken out in my name ), I would like Experian to block these accounts from my credit report as I have complied with their requirements and the FCRA.
Product: Credit reporting or other personal consumer reports

I would like all addresses removed from my credit report except the following : XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX I did give consent for my information to be used I have been at the same address and have a business address. The addresses listed above are my only XXXX addresses.
Product: Checking or savings account

In XX/XX/ 2020, I opened a Capital One 360 saving accounts with promotion of {$500.00} open bonus. I finished the requirement and am qualified for {$500.00}. In XXXX'2020, I receive an email from Capital One for another promotion of {$450.00} additional deposit bonus. Again, I finished the requirement and am qualified for {$450.00}. However, I only received the bonus of {$450.00} from Capital One. When I contact Capital One, the bank says they can only give me one bonus for same time frame. They are wrong in several points : 1. Capital One does not clearly state customer can only qualify one bonus in solicitating emails.

2. Capital One intentionally solicitate existing customer for a low amount bonus when they are qualified for a high amount bonus, while not disclosing the customer can only qualify for one bonus.

3. The {$500.00} and {$450.00} are different bonus servicing different purpose. {$500.00} is for new account open, and {$450.00} is for deposit.
Product: Debt collection

3 days ago, I received a notice from a debt collector, Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : XXXX XXXX - Client Account # :XXXX - Convergent Account # XXXX. 
The notice states that I owe XXXX XXXX {$850.00}. I had NEVER heard of XXXX XXXX before I received this notice, nor have I EVER done business with them. 
I called Convergent who told me to call XXXX, which I did. I called XXXX Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call XXXX Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called Convergent. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called XXXX Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in Oklahoma 20+ years. There are no XXXX XXXX here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for me.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies on my credit report with Experian regarding late payments inaccurately associated with my XXXX XXXX account. This loan was fully paid off in XX/XX/year>, as accurately reflected on my XXXX report. However, Experian has incorrectly listed late payments post-account closure, which is both inaccurate and misleading. 

Furthermore, during the XXXX pandemic, I reached out to creditors, including Credit Acceptance XXXX and entered into payment deferral agreements as allowed under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act. Section 4021 of the CARES Act amends the Fair Credit Reporting Act ( FCRA ) to ensure that accounts modified due to pandemic-related hardships should continue to be reported as current if they were in good standing prior to the modification. Reporting late payments during this period violates these protections and misrepresents the true status of my account. 

Under the Fair Credit Reporting Act ( FCRA ), Section 623, and as enforceable by FACTA 312, furnishers of information are required to conduct reasonable investigations into disputes. Additionally, 15 USC 1681i ( a ) ( 7 ) entitles me to a detailed description of the procedures used in your investigation. To date, I have not received any documentation detailing the investigation into this matter, leaving me without clarity on how these inaccuracies have been assessed or justified. 

The inconsistent and inaccurate reporting violates consumer protection laws that mandate maximum possible accuracy in credit reporting. These errors have negatively impacted my financial standing, and I am committed to ensuring this matter is resolved promptly and fairly. I respectfully request a thorough investigation, the removal of the erroneous late payment entries, and a copy of the information used during your investigation process. 

Thank you for your attention to this matter and for supporting my efforts to maintain a fair and accurate credit history. 

please find attached a copy of my XXXX credit report showing XXXX late payments, a letter to experian, my ID, my SSC, my proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 accounts on my credit report that do not belong to me. The accounts were opened in XXXX & XXXX for the amounts of {$11000.00}, {$1900.00} & {$80.00}. None of these accounts belong to me and I did not give anyone permission to open them on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit.
Product: Credit card or prepaid card

Barclays Bank incorrectly reported that I had a delinquent overdue fee on my credit card. But they know that is incorrect! As Barclays Bank can testify, there was NEVER a delinquent nor overdue charge EVER on my credit card with Barclays Bank! As documented in Barclays case number XXXX of my account number XXXX it was always Barclays Bank 's mistake to report incorrectly that my account was deliquent or overdue on fees. Barclay 's bank then reported incorrectly that I had an overdue/deliquent payment to all the credit agencies ( XXXX, XXXX, XXXX ) XXXX 

Barclays needs to fix this mistake by communicating to XXXX, XXXX, XXXX that I never had a deliquent or overdue fee. It was all Barclays fault.
Product: Debt collection

A collections listing from Diversified Consultants for approximately {$1000.00} was entered onto my XXXX  and XXXX  credit reports around XX/XX/2019. As soon as I noticed this, I sent the collections company a request to validate the debt. In response, the company sent me a letter that simply stated they verified the debt is valid. They did not provide me with any proof whatsoever. I have now requested proof twice, and each time they send me a letter that simply states they have investigated and the debt is valid.I have attached all letters I have sent them and the letter they sent me they incorrectly consider proper validation under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Summer of XX/XX/XXXXI was denied a mortgage loan due to a charge off from XXXX XXXX credit card. I both mailed an account validation letter and disputed this debt with the credit bureaus and the credit card company several times. Only the credit bureaus responded that this debt was verified but showed no proof as I requested. XXXX XXXX still has not responded to any of my letters since XX/XX/XXXX. All I asked was that the credit bureaus show me how they verified this debt and what XX/XX/XXXX sent them as proof of my debt other than a bill that could be fabricated. I really need to know why I haven't been shown proof of this after multiple disputes and certified letters letters sent.
Product: Debt collection

This debt is a result of identity theft. Documents were sent to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is the letter my attorney mailed to Barclays Bank of Delaware. I have received no response or consideration of my letter/complaint/request. 

Mr. XXXX XXXX XXXX has requested that this office contact you concerning his referenced account. We understand that Mr. XXXX has not used that card at all since at least XXXX, XXXX. However, on Friday, XX/XX/XXXX he discovered through his credit monitoring service that he had been charged a membership fee of which he was unaware and that his payment was delinquent. Mr. XXXX reports that he never received a statement containing that charge and only became aware of it when it appeared on his monitoring service as a late payment. At that time, he immediately called and made that payment in full by telephone on that same date. 
As Mr. XXXX had not used this card for almost two years, he was not expecting to make any payments. However, he has never been late with any payments in the past and is a loyal customer. In addition, this issue has had a severe adverse effect on his credit score. 

The foregoing premises considered. Mr. XXXX requests that you rescind this late payment charge and delete the late payment entry from his credit report with any credit reporting agency to which you report. Please confirm to Mr. XXXX directly in writing at the cc address below within ten ( 10 ) business days of the date hereof that you have done so. 

Thank you for your prompt attention to this matter, and your courtesy in this regard.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see collections on my account which I have asked for debt validations with my wet signature. yet I've not been able to get that from the debt collectors and the credit bureaus have continued to keep that on my report with valid prove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Check Into Cash has began running credit reports ( hard inquiries ) on me starting sometime during XXXX through XXXX ( I'm not sure of the exact date or year they started ). However, the company was running hard inquiries that were meant for applying for and obtaining title and flex loans. I have never applied for neither one. I have taken out payday loans every month since around XXXX or XXXX at the same location. But never applied for a title or payday loan. When I inquired about them ruining my credit by pulling hard credit, they said they had to do it and said that it was just so they could see if I my credit was good enough to apply for a title or flex loan. I told them I never would be applying for either of those two loan types, but they continued to run my credit as hard inquiries all these years. I could not take out the payday loans I'm stuck with taking out every month unless I signed a piece of paper, which tells me they're forcefully going pull my credit report whether I liked it or not. The Check Into Cash company in Tennessee fraudulently and forcefully pulls every single customer 's credit report whether they realize it or not. Most all customers have never realized what the form was they were signing. I didn't until I had my credit report locked and they told me I had to unlock my credit report temporarily every month so they could run my credit report ( hard inquiries ). The company forces it on all customers. Please help us clear our credit reports of all of this company 's hard inquiries. And, I/we should receive compensation for all the years of damage they've caused to my/our credit scores all these years, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas attorney general is reporting inaccurate information on My consumer report as the attached files prove my claim by law with this inaccurate information this should be deleted. They are reporting that I only pay {$240.00} as my evidence show I pay way over {$3000.00}
Product: Credit reporting or other personal consumer reports

The ONLY acceptable resolution to this problem is a deletion of the trade line. They changed the reporting on XXXX to make it look even worse. Now, instead of a bunch of 120 day lates, there are a bunch of 150 day lates! This is pure retaliation and I'm considering hiring an attorney and letting them handle it. MOHELA IS VIOLATING FEDERAL LAW. I will continue to do a new complaint every month until this is resolved. It doesn't take 60 days to click a button to delete this fraudulent account. 
XXXX keeps validating it and not taking me seriously. 

I'm doing everything right and still being punished after I was promised this would be taken care of. Get rid of it now!
Product: Credit reporting, credit repair services, or other personal consumer reports

Delinquent credit card account fraudulently opened in my name. Im unsure of how this business got my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

CB/VICSCRT XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$350.00} {$350.00} {$150.00} XXXX XXXX : {$150.00} {$150.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX REDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT DATE
Product: Mortgage

Hello, I am an XXXX XXXX XXXX XXXX member stationed in Louisiana. I contacted my mortgage company PHH Mortgage on XX/XX/year>. I sent them a letter through email explaining that I am an XXXX XXXX XXXX  member stationed in Louisiana and based on Louisiana XXXX  I should qualify for the Service Member Civil Release Act ( SCRA ) to lower my interest rate. I was denied this request. The representative told me The SCRA only applies to loans taken before enlistment. I explained that in Louisiana it can apply after as well. I have attached the letter sent to them and the response received. The Louisiana statue clearly states I can receive this benefit. The answer was still no. Can you assist with this? 

Regards, XXXX XXXX
Product: Debt collection

I never received any validation notice of the alleged debt written, verbal, electronic ( Email ) And would like to see proof of the chain of assignment.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX TO EXPERIAN, XXXX AND XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open XXXXP XXXX accountS IN MY NAME. I did not open or authorize this account, and I therefore request that it be closed immediately. 

I am writing to dispute fraudulent charges on my account and my EXPERIAN, XXXX, AND XXXX credit report file. I have attached a copy of the report I received. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed. 

XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX, {$770.00} Closed Balance {$770.00} Credit limit {$300.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) ( XXXX ) XXXX XXXX Reported : XXXX XXXX, XXXX Closed Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX Charged off account ( XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Charge-off ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX Charge-off/Collection XXXX XXXX, XXXX ( XXXX yrs, XXXX mo ) {$2500.00} XXXX  ( XXXX ) XXXX Opened XXXX XXXX, XXXX EXPERIAN, XXXX AND XXXX HARD INQUIRIES hard inquiry not XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorized these merchants to do a hard inquiry on my credit report, an unknown person violated my identity, I did not open those credit cards in my name, and I did not open any car loan in my name and those collections accounts do not belong to me. I did not open an account XXXX XXXX XXXX XXXX amount XXXX phone number XXXX XXXX national XXXX XXXX XXXX amount XXXX phone number XXXX. 

I AM A VICTIM OF IDENTITY THEFT, AND I DID NOT MAKE THIS CHARGE NOR OPEN THESE ACCOUNTS. I AM REQUESTING THAT THE CHARGE AND ACCOUNTS BE REMOVED. 

ENCLOSED ARE COPIES OF A POLICE REPORT AND IDENTITY THEFT AFFIDAVIT SUPPORTING MY POSITION. PLEASE INVESTIGATE THIS MATTER AND CORRECT THE FRAUDULENT CHARGES AS SOON AS POSSIBLE. 

IN ADDITION, AS A VICTIM OF IDENTITY THEFT, I AM REQUESTING THAT YOU PROVIDE ME WITH COPIES OF ANY APPLICATIONS AND BUSINESS TRANSACTION RECORDS RELATED TO THE FRAUDULENT ACCOUNTS. I AM REQUESTING ALL SIGNED CONTRACTS THAT I SIGNED FOR THESE ACCOUNTS. THE COPIES OF THE RECORDS CAN BE MAILED TO ME AT THE ABOVE ADDRESS. 

IN ADDITION, I HAVE MADE A COMPLAINT TO THE CITY OF XXXX POLICE DEPARTMENT. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and these address on there are not mine i need them removed asap. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 

Please remove the following addresses 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
Product: Credit reporting or other personal consumer reports

Recently I looked at copy of my credit report and noticed several inaccuracies on my account. These account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 
XXXX XXXX XXXX XXXX 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

Hello, Firstly, Bank of America sent me Access Checks with the numbers XXXX and XXXX. I planned to use them to pay my property tax and confirmed this with the bank on XXXX. Despite their assurance that online payment was acceptable, Bank of America later returned the payment, resulting i n a {$400.00} late fee from the XXXX XXXX County property tax office. The responsibility for this late fee lies with Bank of America, and I have discussed the issue with the manager, who identified the individual responsible. I expressed my frustration, explaining that the bank had initially approved the use of the Access Check # XXXX, routing number XXXX with out proper communication or clarification. This situation caused significant inconvenience, including s [ ending an entire day at the XXXX County office in downtown XXXX XXXX. Bank of America needs to address issues of communication and knowledge within their team, as their negligent service has led to serious consequences for the customer, including a {$400.00} late fee that they XXXX cover. They use on the phone system from Bank of America 's terrible to talk customer what they want to talk easily without any responsibility. That caused that happened.
Product: Credit reporting or other personal consumer reports

Fraudsters stole my personal information and applied to XXXX credit card. 
They have been approved but were not able to fully use the card as the company caught on to the fraudsters and closed the account. The account was opened XX/XX/XXXX with XXXX credit limit. Current balance is {$2100.00} and it is reporting as delinquent on my credit since XX/XX/XXXX. I have contacted the bank and disputed this account as fraud. I have also filled a police report and several FTC reports and sent them to the bank and credit bureaus. 
Even though they caught on to the fraud and closed the account, even though I found out and reported the matter to FTC and police, the bank refuses to remove the fraudulent account from my credit. 
Since then XXXX went bankrupt. When I call them they transfer me to several people and no one takes action. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$840.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed 611 letters to all 3 credit bureaus twice. Both times were certified. I've called in several times and waited on hold to speak with a representative. I have only seen results with one bureau.