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

Transunion, XXXX, & XXXX are reporting inaccurate information the account listed as XXXX XXXX XXXX has several inconsistencies which means the is account could not have been properly validated or verified. 

The information listed incorrectly is as follows : Last Verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Installment TransUnion and XXXX are reporting late payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I review my consumer report and notice there was a bankruptcy being reported or XXXX of my credit report. The consumer reporting agency has assumed vital role and have a responsibility to report consumers information to the best of their ability with maximum accuracy. I have never filed bankruptcy but it saying I filed XX/XX/XXXX with Experian reference number XXXX with XXXX bankruptcy, Ohio XXXX XXXX. But on my XXXX, it says I file bankruptcy XX/XX/XXXX. with federal court. Reference number. XXXX. The dates file and reference numbers are not even the same. I have included a Screenshots and sent this complaint on. XX/XX/XXXX. Please investigate and provide proof which shows the bankruptcy is mine. If no proof cant be provided I demand the bankruptcy be removed from credit profile Thanks please see attached screenshots.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I've been trying to perform a online dispute of my Experian Credit report for over 5 years, and I always get the same error technical error. I have already contacted all departments by phone, and letters have been sent, no matter what browser, device, time of day, I get the error saying that for security reasons I can not file disputes online. I believe that my right to have a correct credit report is being usurped from me, and it's is not legal. I have spoken with tech support numerous times, and the only thing they can do is recommend that I open my disputes over the phone or by letter. I need my account to be verified by a competent sector, I need a resolution to this problem. I'm attaching an image of the error, and my credit report for the location of my files. I've already helped my friends play online with Experian, and they don't get this error, only me. I would like to have a resolution that this error persists with me for over 5 years, and I need a technical solution. Docs attached.
Product: Credit reporting or other personal consumer reports

There is no legally admissible evidence to verify the accuracy of what IC SYSTEMS {$990.00} are is reporting, and this debt collection agency have not validated pursuant to the requirements of the FCRA. I am complaining about the impermissible access of my credit report by IC SYSTEMS, in direct violation of the Fair Credit Reporting Act ( FCRA ). Last month, I have discovered that the IC SYSTEMS fraudulent account had been opened in my name without my knowledge or consent. I need proof of a wet signature of an application w/ IC SYSTEMS and proof this is a credit transaction w/ IC SYSTEMS ; the debt agency is in violation of federal and state laws, and I will go legal if this isnt removed. IC SYSTEMS accessed my credit report without my authorization or a permissible purpose as outlined under 15 U.S.C. 1681b, which regulates the legal purposes for which consumer reports can be obtained. I have been in contact with agencies via writing and have evidence on hand, expressing this does not belong to me and I am being ignored.
Product: Credit reporting or other personal consumer reports

I am inquiring to the reporting of XXXX that has been constantly reporting on my Experian report ..i reach out to XXXX XXXX XXXX and was mailed back infornation that XXXXXXXX XXXX XXXX does not report information to credit agency XXXX XXXX submit letters below ) violating of my FCRA right U.S.C2692c I Called /Wrote XXXX XXXX and they do not have any information on XXXX on my files I ask that XXXX be Deketed from My Experian Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account recorded on my credit report that is not mine, and was opened by someone using my name. I have reported this and spoken on the phone with representatives, who can verify that I have NEVER had this account with  XXXX . They will not confirm whether or not this has been removed from my credit report. When I try to check on the status online, I get a message that I am not allowed to view my dispute status online, without any explanation. I have never done any business with  XXXX , nor have I lived at the address where the original debt occurred. I disputed in    XXXX   XXXX   XXXX   and  my dispute case disappeared. I disputed  again in   XXXX   XXXX   and th is company will not let me check the status of the dispute online, and they have not responded to any emails regarding this fraud on my credit report.      XXXX  has investigated and removed this right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this XXXX CFPB compliant to follow up my dispute with certain remaining fraudulent inquiries in my credit file, which I believe are a result of identity theft. Once more, none of these inquiries are associated with any transactions involving the acquisition of goods, services, or money that I have authorized or made. Therefore, I kindly request that the XXXX, XXXX and TransUnion Credit Bureaus to block and remove any information in my credit file that originated from these alleged identity theft incidents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have no knowledge of these inquiries, and I also have concerns about the accuracy of the reported history, as some of the inquiries have already been deleted by the XXXX, XXXX and TransUnion Credit Bureaus. In accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries to my credit report Transunion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a letter from FBCS saying {$250.00} is owed and the original creditor was listed as the doctors office I use. I have never received any bills which is odd because they have always sent notices if I forgot to pay a bill. They have never called either and that usually happens as well. I called the doctor and they have no record of anything owed and they confirmed they do not even work with FBCS nor have they heard of them. So I looked up FBCS on the internet and XXXX  seems legit numbers and addresses match on the mail I got. So I decide I'll call the company as it must be a mistake. FBCS told me the doctors office sent it to them so the doctors office wouldn't have any record of it anymore. They said I should just pay it since it is small. They tried to make me log into a website with my SSN and when I refused to do that they said they would confirm the last 4 with me to prove they already had the info. Guy on phone sounds surprised and says " just sign in with XXXX  because it looks like we don't have the social security number ''. I get errors still can't sign in to " see '' the bill. I asked what can be done because the doctors office is saying they don't even work with you and I don't owe this and my spouse doesn't owe anything either. They told me I couldn't do anything to dispute the debt with them and would have to call the doctors office and speak to the supervisor there because I do owe the money but I should just pay it because it is small. Fbcs also said the doctors office sent the debt to them on XX/XX/2020. I have another call into the doctors office to see if any patient info has been stolen because FBCS does have the correct name, address and doctors office which is worrisome.
Product: Checking or savings account

I deposited a check in XXXX for XXXX.dollars that a friend had gotten on a sale of a tractor that we both owned and sold. Went to use my debit card and they said it's frozen till they investigate the deposit. Needless to say I still haven't gotten aby of my funds. I have XXXX and can not get to the bank for its 40 miles there and 40 miles back. My drivers license burnt when my room caught a fire. 
My brother has an account with the bank .if they would just transfer the money into his account. 
This is Capital One
Product: Credit reporting or other personal consumer reports

XXXX XXXX Transunion File Identification Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute several inaccurate accounts on my credit file. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA you are required to PROMPTLY DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681eb, every single one, even each, any, or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged accounts are to be completely deleted.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act 609 ( A ) ( 1 ) ( a ), you are required by federal law to verifythrough physical verificationof the original signed contract of these accounts with my wet signature. I am distressed that you have included invalid information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the information you report to credit bureaus. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to a debt collector reporting information in my name to the consumer reporting agencies.

I demand to see a verified proof of these negative claims and remove the negative information from my report as soon as possible. After doing so, provide me with an updated credit report reflecting the changes. Under the FCRA, you have exactly and no more than 30 days to do so. Failing this, the item must be deleted from my report as soon as possible. If you do not delete, I will sue everyone involved immediatel
y.

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$1200.00} Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Balance : {$1500.00}
Product: Credit reporting

Victim of Identity theft and the items on my credit report are over 7 years old
Product: Vehicle loan or lease

I spoke with XXXX XXXX, listed as the " Manager, Repossession & Remarketing, '' to discuss my current financial hardship and inquire about any possible way to reinstate my auto loan by paying the overdue balance. During our conversation, XXXX XXXX misgendered me and mispronounced my last namedespite having my account and full name in front of her. I respectfully corrected her, but she continued to pronounce my name incorrectly, which I found dismissive and dehumanizing. 

Throughout the conversation, she repeatedly interrupted me and dismissed my concerns. When I asked about honoring the payoff quote I had previously received via email, she ignored the timeline and instead asked, in an annoyed and condescending tone, Do you need the extra days? Her tone and conduct made me question whether I was speaking with a professional representative of a financial institution. 

I am a member reaching out in good faith to resolve my situation, and I expected compassion, clarity, and a solutions-oriented conversation. Instead, I was met with disrespect, impatience, and disregard. If this is the standard of communication PenFed upholds, it reflects a lack of empathy and professionalism that contradicts the values one would expect from a credit union serving its members. 

This experience was disheartening, and I am submitting this complaint with the hope that PenFed will take this matter seriously and reflect on the importance of treating all members with respect and dignity.
Product: Mortgage

I am reaching out regarding a zombie mortgage foreclosure proceeding on a deed of trust that hasnt been enforced for well over a decade.Ive been subjected to what I believe to be intimidation and illegal debt collection activity by Statebridge Mortgage XXXX and their client XXXX XXXX 

Ive been locked out of the subject property since XX/XX/year> as a result of preservation services by XXXX at the direction of Statebridge. Many of the building materials I used were removed and windows were also broken. Statebridge trespassed and has no entitlement to the property as the deed of trust they claim to service was stripped via a quiet title action ( XXXX XXXX XXXX XXXX XXXX  ) XXXX 

Ive sent various forms of communication to Statebridge indicating they have trespassed and that the property wasnt vacant and no preservation services were required. Statebridge has refused to respond to my communications and the property remains locked as of the time of this writing. 

XXXX XXXX refuses to acknowledge Statebridge as their mortgage servicer and denies any knowledge of the property being rekeyed. 

We also dont believe Statebridge has operated in good faith. They have intentionally provided incorrect information regarding payoffs and loan ownership entity information. 

We also suspect that there have been XXXX and RESPA violations for failure to notify the owner of change of note ownership, status of the loan, and other matters, for years. 

XXXX is seeking over {$50000.00} in accrued interest and fees which we believe to be in violation of the XXXX periodic statement rule
Product: Credit card or prepaid card

I had American Express Cash Preferred card. I decided to close the credit card account because of the {$95.00} annual fee. When I called customer service and asked to closed account, the customer service, Cal, representative informed me he can not processed a {$15.00} Reward Balance I accumulated with the American Express while using the card. Cal closed account without redeeming my XXXX Reward balance stating that minimum for redemption is {$25.00}. What Cal failed to disclose is that I could have redeemed {$15.00} through XXXX as card has been attached to my XXXX account. Additionally, the offered benefits on the card was not the {$95.00} annually fee I was charged.
Product: Credit reporting or other personal consumer reports

Attention General Counsel : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has Enclosed Consumer Demand For Arbitration XXXX XXXX XXXX XXXX issue regarding the handling of fraudulent XXXX XXXX XXXX : XXXX and inaccurate information on consumer credit report by Experian. 

In Connection With CFPB Complaint : XXXX + XXXX + XXXX Case XXXX XXXX. In addition to transmitting misleading, confusing, or inaccurate dispute codes to furnishers, Experian also fails to always include relevant consumer submitted documentation with the XXXX transmitted to the furnisher, despite Company policy requiring agents to do so. Relevant consumer documentation often contains information that is not conveyed elsewhere on the XXXX, including probative evidence that supports the merits of the consumers dispute. As a result, Experian fails to provide the furnisher with all relevant information about the consumers dispute and fails to fulfill its reasonable reinvestigation obligations. 


I Have Enclosed Exhibits On XXXX XXXX XXXX, at XXXXXXXX XXXX XXXX, Experian initially removed the disputed account, which I had identified as fraudulent, from my credit report. However, on XX/XX/scrub>XXXX XXXX XXXX after a XXXX XXXX had already been placed on my file, Experian inexplicably reinstated the fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of all 3 of my credit reports and noticed numerous unauthorized fraudulent accounts and two that should have been paid off. I disputed these accounts with each bureau and received very quick responses in less than two weeks saying they were either updated or remained.

I do not believe they actually physically investigated them. I have recently resubmitted disputes informing them of my identity theft manually since it was not efficient electronically. 

I have also filed a complaint/report with XXXX XXXX County Sheriff ( Waiting on Report Number ) and the FTC Report Number XXXX. I submitted copies of social and id, police report, and FTC report along with dispute letter and notice of my identity theft. 

I 've also requested fraud alerts on all of my bureaus. 

I have attached the letters I sent each bureau along with proof of my identity ( social and id ), police report, and ftc report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my XXXX XXXX XXXX Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 ( where it is highlighted ) it shows the two late fees were  reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three credit bureaus
Product: Debt collection

Wells Fargo never sent any information validating this debt despite my identity being stolen and after informing the company of that information. I received harassing calls for months, and no one was willing to assist with any resolution. Wells Fargo has sold this account to another lender without informing me or my permission. It is also now 7 years of this debt. North Carolina sets the statute of limitations on credit card debts for 3 years.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX  recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the XXXX XXXX  recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. the accounts ( XXXX XXXX Account number XXXX, XXXXXXXX XXXX Account number XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX Account number XXXX, Account name XXXX XXXX XXXX Account number XXXX )
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor. 
PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HA VE V ALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperatio
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 12 years now, I have summited identity theft on my credit reports, I haven't received any info. On how to solve the issues, but I am certain I know who is using my name, her name is XXXX XXXX, her maiden name is XXXX XXXX, she always was married under the name XXXX, then XXXX XXXX XXXXXXXX, I am certain this person is still continually using my identity please help me cease this person 's actions regarding my name