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

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the 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, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX  , I realized my identify was stolen because I received mail forwarding confirmation from the  XXXX  that I did not initiate. I also received a credit card confirmation from  XXXX   XXXX   XXXX   that I did not apply for. I immediately reported it as fraudulent so my mail was only forwarded for 5 days, I contacted the credit bureau and placed a fraud alert on the  XXXX  services, Experian,  XXXX  and  XXXX  My family and I are now moving. So I changed my address on some credit card s, one of  them  XXXX   XXXX  in particular. My son was attempting to buy gas and he was prompted to enter the zip code. He entered our current zip code instead of the new  one beca use he did n't know I changed the address. This action put a hold on all of the cards. I called  XXXX  on  XXXX   XXXX ,   XXXX   and they explained that they could not release the hold because a fraud alert is on my Experian file and the contact information that I supplied did not match. The cell number I use to authenticate, was 'close ' but not correct. So, the  XXXX   XXXX  cards have a freeze until I reach Experian to verify and correct my contact information. I can not reach a person to help me at Experian. It 's just a menu and none of the options fit my situation. I have tried a few times during different times of the day, but my call is never routed to a person. Please help.
Product: Credit card or prepaid card

I called a fraudulent XXXX XXXXXXXX XXXX XXXXXXXX web site. they sent me to XXXX to purchase a American Express prepaid gift card which I paid {$420.00}. I gave them the card number over the phone and never heard from them again.
Product: Vehicle loan or lease

EVERY single communication with Nissan XXXX, some of which are viewed by others in my email, begin with This is an attempt to collect a debt. My communication with them might have nothing to do with collecting a debt calling about a problem, trying to arrange a payment schedule on a certain day of the month, but every single time they say This is an attempt to collect a debt. This is in every voice communication with them and in every email. This is harassment and an invasion of my privacy.
Product: Credit card or prepaid card

Chase freedom canceled my card and with that I lost all my points XXXX or {$1300.00}. They say they sent me notice but I never received anything. I also think I had signed up for paperless so a letter from a credit card company would have gone unnoticed. I would like to collect my rewards. I didnt know a credit card company can just cancel a card? I never missed a payment and kept that card I care of emergencies.
Product: Credit card

In XXXX 2014, I purchased windows from The Home Depot. The Home Depot representative, XXXX XXXX, told me that the financing was 24 months interest free through The Home Depot card. When I received the first statement in XXXX 2014, it showed staggered interest rates, I contacted both CITI ( the underwriting bank ) and XXXX XXXX of The Home Depot. XXXX XXXX has repeatedly told me that there must be a mistake because it was supposed to be 24 months interest free. Every month since then, upon receiving the statement, I have contacted both CITI and The Home Depot. Every month, I was assured by The Home Depot that there was a mistake. However, I am now paying over 26 % interest. This is predatory and deceptive lending practices of CITI.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at 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 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. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that TransUnion has failed to respond to my inquiry dispute letter that I sent on XX/XX/XXXX. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. <P/>* XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX  XX/XX/XXXX
Product: Debt collection

I disputed my credit card account with Capital One almost a month ago and I havent received a response from them regarding my dispute. There was a billing error in the form of a computational error that I discovered on my credit cards periodic statement, pursuant to 12 CFR 1026. 13 ( a ) ( 5 ). The billing error appeared as being very false and misleading.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 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 CFPB 's 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 CFPB 's recent administrative proceeding ( File No. XXXX ) 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. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Amount : {$2200.00} ( Charge-off )
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two late payments listed on a XXXXXX/XX/XXXX account for XX/XX/XXXX and XX/XX/XXXX, but there were never any late payments made to the account. There is no information listed from XX/XX/XXXX, when the account was opened, through XX/XX/XXXX aside form those two " late '' payments. I've submitted these to have the negative information removed, but have not had any success even though it's obvious it's incorrect with all the missing information and dates which do not line up.
Product: Credit card

I am a Capital One ( XXXX ) and holder of a Capitol One XXXX credit card. I am also a XXXX individual within the meaning of the XXXX XXXX XXXX XXXX. 
On our about XX/XX/year>, XXXX accessed my XXXX XXXX XXXX Checking XXXX and removed {$99.00} without my permission. I receive fixed, monthly government benefits to my XXXX  checking account and this unauthorized withdrawal has placed me in arrears and sent me spiraling downward into a financial-whirlpool. Given my fixed, limited-income, I can not afford to have multi-million dollar financial institutions accessing my accounts at their whim.
Product: Mortgage

I established a mortgage with an escrow account with Huntington Bank on XX/XX/XXXX. The first installment of my taxes was due on XX/XX/XXXX. I received the bill, which I faxed to them at their request on XX/XX/XXXX. I have subsequently called to follow up on payment of the taxes ( most notably on XX/XX/XXXX, to inform them the tax bill would be delinquent if not paid, and XX/XX/XXXX, the date they indicated the issue would be resolved ). The tax bill has still not been paid, which they have stated is a system issue on their side. However, the tax bill is accruing interest. When I inquire about who will bear the interest costs due to nonpayment, Huntington has informed me on both the XXXX and the XXXX that this will be " researched '' after the tax bill is paid. This is not acceptable to me. I pride myself on having great credit and on paying my bills timely and I will not accept responsibility for any late charges or penalties that are a result of Huntington 's inability to figure out how to pay the taxes through their system. My escrow is fully funded and had more than enough funds to cover the cost of my tax bill on the day it was due.
Product: Credit reporting 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. 


FRAUDULENT ACCOUNTS : Account Name : BXXXX 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 XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have an alias of XXXX XXXX that is fraudulent. Someone applied for a card w all my information but that XXXX last name. Now it appears as an alias. I want it removed.
Product: Debt collection

On XX/XX/2023 at XXXX, XXXX XXXX XXXX XXXX XXXX ) filed a notice of limited appearance for court case number XXXX in the XXXX XXXX XXXX in and for XXXX County , FL. A Notice of Service Court Document was delivered to myself ( XXXX XXXX ) and to representatives of XXXX XXXX XXXX and associates at XXXX, XXXX, and XXXX. 

On XX/XX/2023 at XXXX, I received a phone call from XXXX XXXX XXXXXXXX at phone number XXXX at my cell phone number XXXX. 

Persuant to the Fair Debt Collect Practices Act 15 USC 1692d, " if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer. ''
Product: Debt collection

My name is XXXX XXXX XXXX XXXX ss # XXXX My DOB XXXX My address : XXXX XXXX XXXX XXXX XXXX OH XXXX I checked my 3 credit report agency XXXX XXXX XXXX and XXXX and I see a collection from XXXX XXXX XXXX in the amount of {$350.00} Belongs to the original creditor Flagstar Bank XXXX according to the detail, the account opened on XX/XX/2019. I contacted Flagstar Bank at XXXX to dispute this collection account, they said that this account belonged to XXXX XXXX and was transferred to Flagstar Bank but I told them that I have no knowledge of this account, I never done business with XXXX XXXX as well as Flagstar. This account is not mine and I never signed anything to open this account unless someone stole my info and fake my signature. Please help me to remove this for me. Thank you so much
Product: Credit reporting or other personal consumer reports

Transunion is reporting about XXXX collection accounts on my credit report that do not belong to me and that may have been open with my stolen information. Transunion has been aware of this for years but continues to allow incorrect information on my report. There is one account that does belong to me that is showing is past due which is inaccurate as well. Because of Transunion neglect I can not get approved for credit and pay high Interest rates. They refuse to correct this matter. The companies refuse to provide a signed contract that has my signature on it because I never contracted with them.
Product: Money transfer, virtual currency, or money service

Using XXXX  in the previous years I have sent money to friends and it never made it to their accounts. I was never refunded the money that someone else received and my financial institution at the time said I was at fault. I never received a refund of any sort. Happened multiple times in XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry dated XXXX XXXX XXXX is reporting on my credit. I did not authorize anyone employed by XXXX XXXX Bank to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. I 've sent a certified letter to the address listed on my credit report to the address of the company which was return as an un-deliverable address. Did not receive a response or proper resolution. On my Equifax report the company name is XXXX XXXX Bank, On my XXXX report the company name is XXXX, XXXX XXXX, Tire Dealers. Also, I 've called and sent Equifax a certified letter to resolve my concern. The only thing I 've received were continuously refusal to rectify this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. 
Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA. 
Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please update the account, or inaccurate information, from my file immediately & send me the results to the address. FAMILY LA CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed. 

Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.
Product: Debt collection

They are harassing me by calling me several times every day, even on Sundays. They also call very early every day at XXXX XXXX  I have told them to stop calling, but the keep calling daily. These calls usually wont answer me, they just hang up on me and they never leave me a message.
Product: Student loan

I went to XXXX XXXX XXXX for a month and a half/one quarter, for the XXXX XXXX XXXX XXXX. Then with draw because of health issues but later found out I was charged twice! One was from the school which was {$1300.00}, Then Sallie mae sent them {$1500.00}. So all together it was almost XXXX $! I then call Sallie mae they said they sent the money on XX/XX/2024 in i have talk to them to refund the money. I then keep email and calling XXXX XXXX XXXX in the only answer I got was the money when to your tuition/study. Then try talk someone else and never got a response from anyone there!
Product: Mortgage

My mortgage was transferred from XXXX XXXX XXXX in XX/XX/2016 to Carrington Mortgage. I spoke with several rep 's informing me my NEW mortgage amount went from {$810.00} to XXXX.. I am XXXX and CAN NOT afford this payment due to 2 months balance escrow required in Ga. 
I explained this to the rep 's and they REFUSED to help me!!
Product: Debt collection

Good morning my name is XXXX XXXX, I am writing to let your office know that I'm still being harassed by ZWICKER & ASSOCIATES. 
I first reported this business on XX/XX/2019 ID # XXXX XXXX because they were trying to collect the debt by suing me, they send their notice with a sheriff to my home. They are supposedly trying to collect on a debt for XXXX XXXX, by the way that account has been closed. 
All I'm asking is verification and a signature. A contract that shows my signature. I dont needs statements. 
If XXXX XXXX couldn't provide it either and instead chose to close the account why is this collector continue to harass me. I am trying so hard to clean this mess and I don't need collectors pretending to collect on a debt it doesn't exist. Thanks in advance for your help.