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

I have an account on my credit report that is reporting incorrect information that has been withholding me from seeking new lines of credit. I have indeed disputed this account with Experian on multiple occasions such as XX/XX/2021 & XX/XX/2021 amongst other dates. The account is from XXXX XXXX and the payment history reporting is indeed incorrect on this account along with an incorrect balance. Since I've sent the dispute letters on XX/XX/2021 & XX/XX/2021, I did not receive a response from Experian within 30 days as required by law. According to federal credit laws that are stated in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they indeed do not respond within this time frame, they must remove the negative listing disputed. Attached below are the certified mail certificates showing proof of my disputes. I have tried relentlessly to remove and correct these erroneous accounts with both the creditor and the credit bureau and they have not responded in a timely manner or provided any of the proof, or documentation demanded for these accounts along with they have failed to update any incorrect information as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, I HAD AN ACCIDENT, SOMEONE ROB MY CAR AND STOLE WALLET, IN MY WALLET I HAD A LOT OF PERSONAL INFORMATION, SINCE THEN I START GETTING DIFFERENT ACCOUNTS, WHICH ARE NOT MINE. I RECEIVED COPY OF CRDIT REPORT, AND I GOT ACCOUNT WHICH I HAVE NEVER APPLIED FOR.
Product: Mortgage

Since Select Portfolio Servicing bought my mortgage from XXXX XXXX in XXXX, there has been nothing but problems. 

We almost had it all resolved when they sent me a refund check for a payment that was not owed to me. When they did this, they made it look like I made one less payment in the system. I did not cash the check ; instead I sent it back to Select Portfolio Services. They took back that check, but did not re-credit my account for my last payment. Thus, my account continues to appear to be one month behind when it's not. 

I documented all the back and forth with proof from my bank account over a month ago. I've called since then, and they said they would get back to me within a week. Then another 1/2 a week. I still have received no status update, and they continue to charge me late fees even though there is a dispute and I am not late on my payments. 

I have documented the whole issue ( letter and documentation attached ), interaction by interaction, in the attached. After sending this to them at their request, they told me twice that a manager would get back to me within XXXX days. The most recent time I called was 8 days ago ( XX/XX/XXXX ). No one called back. I need this resolved as it's messing up my credit rating and I want to sell my house and buy a new one ( and get rid of this terrible mortgage servicing company ).
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 confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account # XXXX Inquiry Name : XXXX XXXX/ Inquiry Date : XX/XX/year> Inquiry Name : XXXX XXXX XXXX XXXX XXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax regardless of previous CFPB disputes continues to intentionally violate DODD- FRANK AND THE F.C.R.A. with lawless, illegal behavior as if there was no policing or law enforcement regarding their behavior. 
PROOF -- -- -- on my bureau XXXX XXXX  HAS A CORRECT DOFD OF XX/XX/2015 Equifax has permitted and conspired with the creditor in BY REAGING THE ACCOUNT by about 4 years costing me over 100 XXXX score points and ruining, fraudulently, my XXXX plus good credit rating to XXXX. 
Equifax has done this multiple times regardless of the law..Equifax was required to act regardless of the creditor 's input.It is obvious to anyone who understands credit that a 30 day late in XX/XX/2015 led to a charge off in XX/XX/2015per legal requirements.This " error '' is intentional not negligent on the part of Equifax.In this case, they can not EVADE RESPONSIBILITY by claiming to be a repository.BEING A REPOSITORY COMES WITH RESPONSIBILITIES to avoid unfair practices of DODD- FRANK and REAGING spelled out in the F.C.R.A. 
CFPB SHOULD LEVY AND PROSECUTE EQUIFAX FOR THIS PATTERN AND PRACTICE OF VIOLATING THEIR BIG 3 STEWARDSHIP.

EQUIFAX SHOULD DELETE THIS ACCOUNT WITHIN 24 HOURS OF RECEIPT ; However, I will likely sue for damage sustained thus far.IT 'S A BLACK LETTER LAW VIOLATION ON THE PART OF EQUIFAX
Product: Checking or savings account

On XX/XX/19 I filled out an on-line application with Comenity Direct Bank to open a high interest savings account. I entered my name and social security number and sent copies of my license and health insurance cards for ID. I wanted to move {$250000.00} from my joint savings account at XXXX XXXX XXXX XXXX  to this high yield savings account. Due to a problem with the Comenity computer system the account was opened in my husband 's name. I never entered his information or his SS number on the application. I called their customer service number on 4 occasions and have been unable to fix this problem. They told me no funds would be transferred until the situation could be corrected but the funds were taken from my account on XX/XX/19. 
I explained that opening up an account in a name without any corresponding back-up documentation is fraud but they to not seem to care. Unfortunately the account is earning interest and I will receive a tax statement with my husband 's name and my social security number. The company is unable to send me a copy of the original application and said they do not have access to this information. This would prove that the account was opened incorrectly by their institution but they will not provide it to me or my husband.
Product: Checking or savings account

A claim in the amount of XXXX was reversed out of my account ending in XXXX on XX/XX/XXXX, causing it to become overdrawn the amount of XXXX. This is an ATM debit claim from XXXX XXXX XXXX. Prior to this, a close out check in the amount of XXXX was mailed out on XX/XX/XXXX, received in XX/XX/XXXX. A stop payment was placed on it, unknown to me, which caused my XXXX account to become overdrawn and a total of 14 overdraft fees assessed in the amount of XXXX each plus a returned check fee in the amount of XXXX. The total amount of fees is XXXX, XXXX will not refund these as it is not their error, Capital One will have to refund. A replacement check was sent out on XX/XX/XXXX, the day I left for vacation, I left for XXXX XXXX from XX/XX/XXXX to XXXX. It appears someone intercepted this check, forged my name and cashed it. A manager by the name of XXXX gave information on the person whom signed and cashed it, a XXXX XXXX using a XXXX XXXX XXXX. I do not know this person and am not familiar with this bank. I've been calling Capital One since XXXX, attempting to get a resolution for missing funds and fees owed to me, nothing resolved to date. I have a name of a contact, XXXX XXXX, I've left a total of seven ( 7 ) messages for her to date. According to her reply to a prior CFPB complaint, she can not or will not return calls while complaints are in process. She has not returned calls even after prior complaints closed out, it appears she simply will not return calls. I've contacted an attorney about this matter, was advised that I should file suit. Based on tort law, if Capital One had not placed stop payment in error, the overdraft fees would not have occurred as well as returned check fee. The second replacement check would not be necessary, which was cashed fraudulently. The account is now over drawn XXXX as mentioned prior, Capital One can deduct this amount from my claim in the amount of XXXX which includes fees in the amount of XXXX plus check amount of XXXX. After all is said and done, the total due to me is XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violated the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's 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. 2025=CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 
These are the accounts I've marked as inaccurate : XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX  account number XXXXXXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX Inquiries XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX XX/XX/year> ) XXXX  XXXX XXXX  ( XX/XX/year>, XX/XX/year>, XX/XX/year> ) XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year>, XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> )
Product: Debt collection

I am writing to express my extreme frustration and anger about the accounts on my credit report that I believe are inaccurately reflecting my payment history. I demand that these accounts be corrected immediately. Despite my repeated attempts to resolve this issue directly with the creditor and through your bureau, I have faced nothing but obstacles and delays. It is unacceptable that the creditor has failed to provide any supporting documentation to validate the debt, and yet the erroneous account is still listed as a late payment account on my credit report. I take this matter seriously and expect a thorough investigation into this dispute. I also anticipate a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. I demand that the credit bureau responds to this dispute within the stipulated time frame as mandated by the law. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXXXXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 

I have contacted XXXX several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 

Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. 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 XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. 
Company Inquiries : 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

This line of credit I have with XXXX / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXXXXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX XXXX XXXX the person that is making the report. 

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!
Product: Payday loan, title loan, personal loan, or advance loan

I HAVE BEEN TRYING TO SETTLE A DEBT FORGIVENESS DUE TO IDENTIFY THEFT, THEY HAVE BLOCKED MY MULTIPLE EMAILS, ETC. I HAVE TRIED TO BE NICE AND SETTLE THIS LIKE AN ADULT BUT THEY PLAY GAMES LIKE THE XXXX AND THE XXXX!!!
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2024 XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/2024 XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/29, I received an email from Venmo that my account had been temporarily frozen and asking me to provide my identification. I did so within minutes of receiving the email. Today, XXXX, I received an email stating that my account has been permanent XXXX because of concerns. They will not let me transfer money out of my account. I have emailed with the person who sent me the email and asked for clarity and additional help and the response has essentially been too bad and no. I have also tried to reach out via phone, mobile chat, XXXX, and other avenues and all have directed me back to emailing with the original associate. I am a partner at a major law firm and have done nothing to violate the User Agreement, which I reread today. Indeed, the only thing that has happened to my account recently is that I have been targeted by what look like XXXX  trying to transfer {$0.00} into my account and asking me to transfer money to them. I have blocked as many of those people as possible. I can not believe that Venmo would treat people this way and refuse to permit me to transfer my own money to my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX {$230.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$680.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of significant concern regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is appearing on my credit report. Despite my best efforts, I have been unable to verify why this account is reflecting on my report. This situation has not only caused me undue stress but has also resulted in denials and questioning of my credibility by lenders. It is imperative that this issue be rectified immediately. I demand a thorough investigation into the legitimacy of these accounts and request solid proof that they indeed belong to me or were initiated by me. Without such evidence, I insist that these accounts be removed from my credit report without delay.
Product: Debt collection

Enhanced Recovery Company, LLCFind a LocationPhone : ( XXXX ) XXXX XXXX XXXX, XXXX, FL XXXXXXXXXXXX : //www.erccollections.comFax ( XXXX ) XXXX Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : Enhanced Recovery Company , LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX XXXX SOC SEC # XXXX DOB XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

My capital one card has sent incorrect information, I never had a high balance of XXXX. I never missed a payment and I was making payments. I checked my statements every day and the last statement on their site showed XXXX balance, I never received the new statement, I have a balance of XXXX never XXXX. 
I need your help investigating Capital One Quicksilver secure card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting wrong information on my credit report. Transunion and XXXX  and XXXX have two different open date when the account begin. How can one account open on two different day.
Product: Credit reporting, credit repair services, or other personal consumer reports

***To whom it may concern**** I have noticed that XXXX have placed an inquiry on my Equifax credit file dated XX/XX/XXXX and XX/XX/XXXX. I have contacted XXXX and Equifax several times to have this removed and deleted. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Equifax report that you XXXX pulled a hard inquiry. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; ''