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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX  NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXX Balance : {$11000.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, i reached out to XXXX and multiple companies that are reporting inquires on my consumer report directly to XXXX, who still furnishes the information without my consent o knowledge. 

XXXX told me to reach out to the companies individually and verify with them that there are no accounts being reported, then send it in writing and add a complaint with CFPB so they could remove them. I am doing so here. Listed below are the companies and dates in which the inquires took place without my knowledge. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX both companies told me since there was no record of the actual application there was nothing they could but, they told me they could not provide that to me I writing and to file a fraud complaint and send it to the bureaus to have it situated. 

CAPONE NA, XX/XX/XXXX police report was filed last year about this, the account was terminated and removed from credit report but the inquiry remained. Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 

XXXX XXXX, XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XXXXXXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference. 
XXXX XXXX XX/XX/XXXX Police report filed, disputed with the actual agency and XXXX, was told to complete a complaint with CFPB. No account was ever created, activated, applied for, or had by me for reference.
Product: Debt collection

My account was compromised by identity theft and now its restricted and have negative balance on the credit account as well as checking account is restricted
Product: Credit reporting or other personal consumer reports

I keep disputing inaccurate personal information from XXXX, such as my name, address, phone number, and work history. I only have XXXX name, XXXX address, XXXX phone number, no nicknames, or slang, and no abbreviations but somehow, inaccurate information will be removed to reappear days later. I called and mailed in the reappearing inaccuracies and nothing was done by the dispute department to correct the information that I reported to them on several different occasions. 

XXXX is in violation of my rights to only report accurate information, ( ONLY ). Per Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

However, a consumer reporting agency may continue to report information it has verified as accurate. Please see the attachment of my dispute results from XXXX, refusing to DELETE the inaccurate personal information for good. I've also attached proof of my voter card, and court order seal divorce document with my correct name, address, phone, and exedra.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered that I was a victim of identity theft involving multiple fraudulent accounts. I did not authorize the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$520.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting these accounts be investigated and removed from my credit report. This fraudulent activity has caused financial and personal distress, and I would appreciate your prompt assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 
The items I am disputing are as follows : EQUIFAX Account Name : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Reference Number : XXXX Filed On : XX/XX/year> Court : XXXX XXXX XXXXXXXX Based on the laws cited above, I request that these items be **immediately removed** and **permanently blocked** from my credit profile. Please conduct a thorough reinvestigation of these items and update my credit report accordingly. I also request that you promptly notify the furnishers of the information that these items have been modified, deleted, and blocked from my file. 

Please send me written confirmation that these items have been removed, blocked, and corrected, along with an updated copy of my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting

ON XXXX/XXXX/2016 I USED THE WEB SITE FOR MY XXXX I VIEWED AND SAVED THE FIRST XXXX REPORTS PDF FILES THE XXXX REPORT FROM EXPERIAN NEVER GOT TO SECURITY/SIGN IN PAGE!!!! 
NEVER DOWNLOADED ANYTHING!!! 

I WENT BACK TO XXXX IT SAID COME BACK IN 1 YEAR FOR NEXT REPORT NO PLACE TO REPORT PROBLEM ON WEB SITE EXPERIAN WEB SITE NO HELP EITHER
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am XXXX XXXX I have a XXXX bank XXXX XXXX credit card account # Account # XXXX XXXX XXXX XXXX, in XX/XX/2018 I placed a fraud freeze on my credit at the credit bureaus, XXXX XXXX  closed my account and sent me a letter stating that the account was fraudulent, I called them and told them that it was not and never wanted the account closed, they told me nothing could be done, I made several calls to all there departments including the fraud team, I talked to customer service and set up payment at {$100.00} a month and my minimum payment is {$35.00} conf # XXXX everything has been fine until XXXX I called to increase my payments and the agent told me the account was closed and I could no longer make payments at all I told her that payment arrangements are already been made the agent said no payments will be made and she told me that she closed my account and draft for payments to the account, XXXX XXXX  then reported me to the credit bureaus for a late fee and that the account was a CHARGE OFF/ BAD DEBT and THAT I WAS LATE ON A PAYMENT, I HAVE NEVER BEEN LATE AND ALLWAYS PAID MORE THAN TWICE THE AMOUNT DUE, now my credit dropped 60 points on all 3 bureaus, I called them back and I was told to fax a letter to the XXXX  dispute dept. at fax XXXX and that was the only way that I could reach them at all, I could not call them, I have sent many letters including the latest letter that I have uploaded to this claim, every time I call they do not care to talk to me or help me at all, I never wanted the account to be closed at all I have been making payments at {$100.00} every month even though this is on my credit as a charge off for bad debt and a late payment, would you help me please, thank you for what ever can be done to fix my credit back. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a collection notice from Credit Collection Services about a medical bill for date of service XXXX/XXXX/17 when I was a minor. I just turned XXXX in XXXX. Not only that but I have two insurances and my secondary covers the remainder of my services. I want this deleted immediately as I am not reponsible for this debt.
Product: Debt collection

XXXX XXXX XXXX called and wrote me by mail in the year 2020 telling me that they were collecting a debt owed by a credit card company ( capital one ) that was charged off and sold. They reported me to credit agencies and told me unless I paid it off {$360.00}, it would stay there indefinitely, so I paid it in installments and now they sent me a letter stating that I still owe them. This derogatory debt that I paid off is still on my credit and it looks like I still owe them money.I feel like they cheated me out of money. They want more money from me and I am not paying another dime. In fact, I want my money back.
Product: Checking or savings account

On XX/XX/XXXX, we paid the city of XXXX {$2400.00} for our quarterly real estate taxes using our account at Citizen 's bank. For some reason it was charged again on the XX/XX/XXXX, rejected due to insufficient funds, charged a bank fee, reversed on the XX/XX/XXXX, and then processed again on the XX/XX/XXXX when a deposit increased the balance to cover it. As soon as I discovered this I went into the local branch. The banker there filed a claim ( his idea ), and a credit was received XX/XX/XXXX.He also told us the {$39.00} fee would be waived, which never happened. On XX/XX/XXXX XXXX returned the second payment, and additionally there was a dda debit for the same amount. By the end of this there were 7 transactions in the amount of {$2400.00}. Four were debits, three were credits. Each of these transactions changed our balance, so at the end we are minus {$2400.00} plus the {$39.00}. XXXX, the company that apparently runs the online system for Ctitizen 's, claims we owe them a payment in that amount. I went in to the branch again and went over evrything and the banker agreed with me but refused to speak with XXXX. There is ( was? ) a note on our file with Citizen 's saying we are correct, but then they switched and said we owe XXXX, who has now turned this over to a debt collector. Please help
Product: Debt collection

I recently received communication from Jefferson Capital Systems LLC attempting to collect an alleged debt. 
Please be advised that I hereby dispute the validity of the alleged debt in its entirety. Jefferson Capital Systems LLC is illegally attempting to collect the alleged debt and money that I do not owe. 

Further more, pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. 

Jefferson Capital Systems LLC has no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. 
Further more, Jefferson Capital Systems LLC is attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 )
Product: Debt collection

I checked my XXXX  XXXX. Every collections account is wrong. I have a charge from XXXX XXXX. Never heard of it. PYOD-never heard of it. XXXX I did go to. But I paid XXXX in cash and used my XXXX XXXX XXXX. I think the 4th one is Target. That one is my mom 's account. I have disputed all of them. Target wants me to pay for a notary of my signature. I have told them that they are mistaken. I have sent them a copy of mom 's death certificate. They refused to remove the mark on my credit. She lived with us. I sometimes paid her bill on my credit card.
Product: Credit reporting

I have credit inquiries from XXXX. I am concerned as there have been XXXX inquiries by this company. How do I get rid of them? I am not comfortable with them having access to my credit report when I did n't initialize anything with them. Please let me know what I should do about this. I am concerned for the security and confidentiality of my personal credit information. There are many individuals who have been charged fees for products that they did not request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written good will letters to take off late XXXX  payments results to accounts that are closed due to consolidation and I want to ask to remove those accounts that are no longer owed or exists off my credit report.
Product: Debt collection

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 accounts that are reporting on my XXXX credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however XXXX  keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my XXXX credit report over 2 months ago. Yesterday XXXX/XXXX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with XXXX for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about XXXX because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
Product: Credit reporting or other personal consumer reports

Reported to Experian and discover that this account is fraudulent provided proper paperwork over the last several years. Experian have been taking less than a day to deny my request
Product: Credit card or prepaid card

Despite a {$0.00} balance and oweing nothing to the store, TD Bank and XXXX XXXX are knowingly reporting false information to the credit bureaus. I have called XXXX XXXX and TD bank DOZENS of times to to resolve the issue. XXXX XXXX was closed due to Covid around the time of the incident and I was not able to contact XXXX until almost a year later once they reopened their physical location. XXXX XXXX once reopened acknowledged the mistake as well as provided a statement and email showing the correction and {$0.00} balance on account. This email and statement was sent to me in XXXX of XXXX but failed to do their due diligence to correct the negative impact it caused to my credit profile. 
Despite XXXX correction, TD Bank continues to report negatively and reported the account as charged off as well as a {$250.00} balance. I have dealt with nothing but incompetence for 3 years. 
XXXX furnitures XXXX XXXX XXXX reached out to TD bank in XXXX of XXXX multiple times to help correct the mistake.He responded by email but gave up once TD Bank was unresponsive. TD Bank ignored this communication. 
RecentlyXXXX XXXX, XXXX I walked into XXXX XXXX store bank to speak with administration, and was given the operations manager ( XXXX XXXX ) at XXXX XXXX XXXX XXXX. He then called TD bank from stores land line to retrieve a letter stating the balance was not a charge off, not late and a balance of {$0.00}. TD bank stated they would have to verify the stores " merchant number '' to pull information. They did not call back. 
The mix up occurred 3 years ago and I have been dealing with this for 3 years. I have been denied loans and been impacted continually. This has gone on far too long. 

Around XXXX of XXXX an incorrect furniture delivery was made and returned ( picked up ) by XXXX XXXX shortly after. Im assuming They were negligent in relaying information to their servicer. This was at the start of Covid. Everything was shut down and no one was responsive to calls. Once reopened, XXXX did acknowledge and attempt to communicate with TD Bank. Now Ia m being told " admin recovery '' collections company is also reporting this.
Product: Mortgage

The holder of my mortgage refuses to eliminate the PMI from my mortgage with out an appraisal, even though my LTV is less than 78 %. I 've gone around with them on this a few times, and nothing has been resolved.
Product: Mortgage

Prior to opting to put my loan in forbearance, I contacted Wells Fargo to verify that the payments would, in fact, simply be added to the end of my loan and that I would NOT have the deferred amount called due all at once. 

On XX/XX/XXXX I received an email from a " Home Preservation Specialist '' at Wells Fargo that they were " reviewing my documents '' I had not submitted any documents and contacted Wells Fargo by phone to determine what the email was about ( this person did not respond to voicemails or email so I contacted the next available representative, I was told I needed to talk with Ms. XXXX directly ). I emailed her on XX/XX/XXXX stating that I was trying to pay the mortgage payment and bring the loan out of forbearance but that I wanted to make sure I was going about it the right way. 

On XX/XX/XXXX I was able to get the situation escalated to the executive mortgage department and was assigned a case number, I did receive some follow up through the process notifying me that there would be some delays. In the meantime I was receiving packages appearing to need to qualify for the forbearance I had already been given. 

I have now received a letter dated XX/XX/XXXX that states that I was, in fact, given incorrect information by the Wells Fargo representative I spoke to on XX/XX/XXXX but that as the servicer, there is nothing Wells Fargo can do and instructing me to apply through them for approval for a loan modification or bring the total amount of {$12000.00} in to bring the account current. 

I would not have elected to go into forbearance had I not been given misinformation, and will also not likely qualify for the adjustment as my XXXX tax returns will not show impact from the pandemic and that is what would be used to " qualify '' for the modification. I was also not informed in any way that by going in to forbearance I would eliminate my ability to refinance my mortgage, which I now know I can not do due to " payments not being made on time for 12 consecutive months ''.
Product: Debt collection

Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX, XXXX - collecting on behalf of XXXX XXXX XXXX stated that they would put a debt not owed on my credit bureau if I did not pay {$130.00}. I stated that I was a member of XXXX XXXX for over 3 years and that I finally cancelled my membership in writing at the gym. 

The gentlemen at Aldous stated that I needed to " fill out the correct cancellation forms '' and I said that the contract only called for cancellation in writing, which I effectuated at the gym in person. 

The gentlemen was insistent that I had not filled out the right forms and that the debt was owed. I explained that I am a lawyer and that his understanding of the law and of the contractual provisions are mistaken. 

He was very courteous and professional in our conversation but he misunderstands the law on this matter. 

I am filing this complaint in order to discontinue the collections efforts and because I do not wish this matter to affect my credit, as he mentioned.
Product: Debt collection

I tried to contact this collection company, Qualia Collection Services in reference to XXXX XXXX/XXXX   asking them to send me Vertifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$790.00} is mine. They have failed to vertify this account which has hurt my ability to obtain credit. This collection company has only sent 1 collection letter and I have sent them 4 dispute letters and have never received an response from them. This account doesn't belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assit in having this account remove from my XXXX, XXXX and XXXX Credit Report.