23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened 360 Money Market account from Capital One on XX/XX/XXXX through the following promotion by Capital One https : //www.capitalone.com/XXXX/ And in case they decide to change terms or delete above link to avoid fulfilling the promotion, here 's the archived link https : XXXXhttps :  XXXX/www.capitalone.comXXXX And here 's the promotion terms from the above link " Heres the full scoop on how to earn your {$500.00} bonus : Open a 360 Money Market account and deposit at least {$50000.00} between XXXX XXXX ET on XX/XX/XXXX, and XXXX XXXX ET on XX/XX/XXXX. When you open your account, enter your promotional XXXX. ( Please do not share this code with others. ) Deposits must be from another bank ( transfers between Capital One accounts will not qualify ). If you have or had an open savings product with Capital One after XX/XX/XXXX, you're ineligible for the bonus. This offer can not be combined with any other Capital One Bank or Capital One 360 new account opening offer. Bonus is only valid for one account. '' I opened my account with XXXX promotional code, deposited {$50000.00} in total from another bank which made me eligible for the {$500.00} bonus and till today I still did not receive the XXXX $ bonus. 

I've attached the transaction statements from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this since XX/XX/2021 and XX/XX/2021 is the last letter I wrote and I still have not received any letters back from any of the bureaus. It has been well over 60 days with nothing. So they need to remove from my credit file per the FCRA Attached is the last letters from XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, authorize or benefit from any of the following inquiries. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXANK XXXX XXXX, 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
Product: Payday loan, title loan, or personal loan

So my identity was stolen someone took out a fraudulent loan under my information with Rocket loan company. I reported it to the police and the fbi I mailed the report to rocket loan and called them. They refuse to clear the name and still demand I pay them when I didnt authorize the loan or them to access my bank or social. They do not help me and I have no option but to look into legal options.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding a fraudulent charge on my credit report from Shepard Outsourcing LLC, which I have been unable to resolve despite my efforts. Here are the details of my case : Fraudulent Account : An account with Shepard Outsourcing LLC has appeared on my credit report, which I did not open and which I believe is fraudulent. 
Credit Report Details : The account is listed on my credit report under the name " Shepard Outsourcing LLC '' with account number [ XXXX ], and it showsa loan being taken out in my name for an appliance 2 years ago. I was living abroad when this happened. I have a student visa verifying I was living/studying outside of the United States . 

Attempts to Resolve : Contact with Shepard Outsourcing LLC : I have made multiple attempts to contact Shepard Outsourcing LLC directly to address this issue. Unfortunately, I have encountered significant obstacles : Unresponsive Employees : The customer service representatives and other staff members I have spoken with have been uncooperative and have not provided any useful information or assistance. 
Attempts to Speak with CEO : I have also tried to reach the CEO, XXXX XXXX, directly, but he is consistently unavailable. My requests to speak with him have not been successful. 

Current Situation : Unresolved Fraudulent Account : Despite my efforts, the fraudulent account remains on my credit report, negatively impacting my credit score and causing significant stress. 
Requested Resolution : Removal of Fraudulent Account : I am requesting that the CFPB assist in facilitating the removal of this fraudulent account from my credit report. 
Assistance in Contacting the Business : I would appreciate any support in ensuring that Shepard Outsourcing LLC provides the necessary information to resolve this issue. 
I have attached copies of my credit reports highlighting the fraudulent account, as well as documentation of my attempts to resolve the matter with Shepard Outsourcing LLC. 

Thank you for your assistance in this matter. I look forward to your guidance and support in resolving this issue.
Product: Credit reporting or other personal consumer reports

15 Usc 1962 ( c ) Communication in connection with collection of a debit ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have not blocked the information and do a thorough investigation even though I sent a police report, reported from FTC, and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me with any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX  uni date opened XXXX account # XXXX amount XXXX date opened XXXX and account # XXXX amount XXXX address : XXXX XXXX XXXX XXXX XXXX, Ma XXXX XXXX XXXX XXXX   XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX account # XXXX date opened XXXX address : XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB complaint file numbers : XXXX, XXXX It has been more than 30 days now. According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general, Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I want and demand the following accounts removed from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX US DEPT OF EDUCATION XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My situation is Santander Consumer USA negatively reporting my car loan. I sent a letter to the president of the company requesting that the negative reporting status of the account be updated. The account hasnt been behind in nearly a year and should report as Pays as agreed or something similar. Im seeing the potentially negative account status in MyFICO app and other report providers.
Product: Credit reporting or other personal consumer reports

i sent multiple letter regarding inaccurate information on my credit report its been over 60 days and i have not seen any results this isnt a regular dispute i have filed with XXXX XXXX XXXX and the federal trade commission this needs yo be resolved asap or i will file for litigation
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an incorrect or unverifiable charge-off account reported by XXXX on my Equifax credit report. Despite disputing this account directly with Equifax, they claim the account has been " verified, '' but no sufficient documentation or proof of this validation has been provided.

The alleged charge-off is inaccurate and unfairly impacting my credit score. I requested Equifax to provide detailed evidence of the account 's legitimacy, including contractual agreements or statements proving the account belongs to me, but they failed to comply.

I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of all reported information.

I am requesting the CFPB 's assistance to : Investigate Equifax 's handling of this dispute. 
Obtain proper documentation from XXXX proving the validity of this charge-off. 
Have the incorrect charge-off removed from my credit report if it can not be verified. 
Supporting Documents : I have attached the following : My credit report showing the disputed charge-off. 
Federal Trade Commission Identity Theft report Proof of my information was affected by the Equifax data breach Desired Resolution : I request the removal of the unverified charge-off from my Equifax credit report or thorough documentation substantiating its validity.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report :
Product: Credit reporting or other personal consumer reports

XX/XX/year> I mailed certified letters to XXXX XXXX and TransUnion proving I was not the account owner nor joint account owner via an affidavit from my father who is the actual account owner along with XXXX XXXX XXXX XXXX. I also demanded XXXX to send me the joint application form to which they returned a form asking me for all my information! Total XXXX if they thought I was sending them that information. In addition I have requested disputes with the credit reporting agencies and sent them all required documentation and they said XXXXXXXX XXXX said it was a joint account. So yes, XXXX and XXXX XXXX XXXX XXXX is a joint account NOT with my name XXXX XXXX XXXX. 
I have not missed a payment on my accounts in XXXX plus years and the reason I caught this was because my father quit paying and it pinged my XXXX XXXX. 
Kindly remove this from my credit report and remove the XXXX XXXX plus liability because it has greatly reduced and harmed my personal credit! Please see attached records.
Product: Debt collection

This misinformation is not only damaging my credit score but is also causing undue stress and potential harm to my financial future. There are bunch of inaccurate information pestering on my credit report that were unacceptable.I am writing to express my extreme frustration and anger regarding the inaccurate information on my credit report, specifically the erroneous reporting of the accounts that is adversely affecting my creditworthiness. This situation not only jeopardizes my financial well-being but also raises serious concerns about potential identity theft. 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXX- THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!! 
XXXX XXXX XXXX XXXXXXXX - THE DATE REPORTED IS INACCURATE, ERRONEOUS OR INCOMPLETE. PLEASE REMOVE!!! 
XXXX XXXX, XXXX XXXX THIS IS FRAUD, PLEASE REMOVE!!! 
I demand an immediate and thorough investigation into the origin of this false and inaccurate information on my credit report. It is imperative that your bureau takes swift action to rectify this error and delete the inaccurate information entries from my credit history. The gravity of this situation can not be overstated, as it not only tarnishes my financial standing but also poses a serious threat to my identity. 
The inaccurate reporting of erroneous and incomplete information is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but also an unacceptable breach of trust. 
The bankruptcy that is being reported to my credit report is inaccurate. The case that youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX  XXXX XXXX  XXXX  Reference : XXXX - PLEASE REMOVE!!! 
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXXXXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE!!! 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX PLEASE REMOVE!!! 
XXXX XXXX XX/XX/2022 PLEASE REMOVE!!! 
XXXX XXXX XXXXXX/XX/2022 PLEASE REMOVE!!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX {$130.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$220.00} XXXX XXXX {$14000.00}
Product: Debt collection

I kindly requested IC System stop communication and to Cease and Desist of continuing of doing do, harassing, using profane language, false misrepresentation of XXXX XXXX XXXX and use of threatful and deceitful allegations that I owe them any money. IC System has done nothing but harm and damage and distress me and my reputation by reporting illegal accounts without my written consent, way worse creating such since I have never and theres no proof that I have ever inquired their company services for any reason. IC System its violating my federally protected rights and my request to stop doing so, effective immediately. If this account continues reporting on any of my consumer reports without my consent and proof of receipt or contract that you own or illegally bought this alleged account, Ill have no option but pursuing this matter in the legal field and seek for monetary relief for every month that this company has willfull noncompliance with the law by illegally furnished an account that doesnt exist, for identity theft, for sharing private information with third party companies, harassed with unauthorized illegal communication, harm and damage my reputation per 15 U.S. Code 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my wallet stolen along with all of my identity and every since then someone has been applying for credit, I have a security freeze on my account and I currently have incorrect hard inquiries and addresses reported on my credit report ... I did not authorize any of the inquiries from, XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, from TransUnion and also from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit card

Today, XX/XX/XXXX, I noticed on my credit report an account through COMENITYBANK/KAY JEWELER was opened and I did not open it. I am unable to dispute the account online, when I try to dispute through XXXX, the account doesn't appear. When trying to connect to Kay Jewelers credit security costumer service, it requires me to provide the credit card number associated with my account, I am unable to do so being that I do not have the credit card. When I finally get past being on hold, I'm given another phone number to call that leads to a deadened, given that I don't have the account number or credit card number associated with the account. When I was able to talk to a person at Kay Jewelers, she said there wasn't an account that she could find under my name or social security number. My credit report shows the account balance at {$1900.00} and an account number XXXX, opened on XX/XX/XXXX. There was an account review inquire on XX/XX/XXXX by XXXX XXXX that I did not request.
Product: Credit reporting or other personal consumer reports

I am writing to address an inaccuracy in the recording of a payment on my credit report, which was erroneously processed by XXXX XXXX. Despite my timely payment, there was a discrepancy in the recording due to an error in their software system. Upon discovering this issue, I immediately contacted XXXX XXXX  to rectify the error. They acknowledged the flaw in their recording software and agreed to update the payment status to " open/never late '' to accurately reflect my payment history.It is crucial that this correction be reflected on my credit report to ensure the accuracy of my financial standing. I respectfully request that you update this information accordingly. 

XXXX XXXX  XXXX
Product: Mortgage

To The reviewer of all my complaintsCFPBMy name is XXXX XXXX. I was the owner of the HUD located at XXXX XXXX XXXX, GA XXXX. On XX/XX/XXXX, the house was sold at the steps of the XXXX house. XXXX XXXX Georgia. XXXX XXXX of Wells Fargo requested the sale to be rescinded after my complaint. On XX/XX/XXXX, around XXXX to XXXX, she advised that the sale can not be rescinded. and it was final. Last week, XX/XX/XXXX XXXX County Water Authority called me to tell me a company wanted to establish an account with them. Since my name is the legal owner of the property, they did n't open an account in their name. The same company locked me out of the property and took ownership of the property without an eviction letter. Again prior to the dismissal of the rescinded request. I was locked out of the house. 
The same XXXX XXXX of Wells Fargo told me the HAMP application submitted on XX/XX/XXXX was not reviewed, but the one on XX/XX/XXXX was reviewed. Therefore, this is a violation of Federal Law. I further asked her if I was not qualified for any other Federal program in order to keep my house. She responded " No ''. XXXX XXXX of Wells Fargo advised in XX/XX/XXXX to have a letter of a permanent job offer in order for her to continue with the modification. XXXX applications were submitted to Wells Fargo for review and an appeal form to continue with the modification. XXXX XXXX said that nothing was reviewed. Since XX/XX/XXXX XXXX promised to give me the information about the third party purchaser of the house. She did not respond to her phone call. This is an illegal possession of the house and a wrongful eviction. I hope someone can look at this complaint and act upon it. Wells Fargo has received the bailout money from the US Government but violated the law for modification and put a barrier to minorities to get loans to keep their house. This is pure discrimination for denying me due process.
Product: Credit reporting

It has been two years and equifax does not allow me to pull my credit report. They told me that it is in the Dept of consumer affairs indefinitely. It has ruined my life. I can not shop for a mortgage or car or anything. And it is very difficult. They allow a thirty minute window for someone to pull it and then that window is closed. 
Please tell them to release my file. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Check N ' Go in XXXX. I fell into financial trouble and hired a company to settle my debts. In XX/XX/XXXX, my debt was settled for {$100.00}. I have a copy of the settlement and check. In XXXX Check n Go sold my account to a third-party collection agency. It has since been sold to two other agencies. It is now showing up as delinquent payment on my credit report. I tried to dispute the collection and it comes back as valid. I do not know how to get this taken care of.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN INTERVIEWED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX THE SQUATTER STILL LIVING AT XXXX XXXX XXXX ILEGALLY WITHOUT XXXX INTERVENTION. I MADE THE POLICE REPORT AS XXXX XXXX  XXXX XXXX XXXX AND CONDUCTED THE AFFIDAVIT OF XXXX XX/XX/XXXX. HE CASHED XXXX XXXX  IN MY NAME IN WHICH I AM TOLD ON XX/XX/XXXX BY XXXX XXXX XXXX THAT UNDER THAT FAKE SSN NUMBERS XXXX AND XXXX WENT INTO AN ACCOUNT AS XXXX XXXX XXXX AND HAS MY LOSS XXXX AND XXXX BENEFITS ALL THERE HE STOLEN. 

XXXX XXXX XXXX  STATEMENT, XXXX XXXX ON XX/XX/XXXX AT XXXX SPOKE XXXX MINUTES, A GUY NAME XXXX XXXX ARE LYING SAYING THAT XXXX XXXX HAS CLEAR TITLE BUT ARE XXXX XXXX TITLE IN THIS FILE AND ADDED TO YOUR LOAN XXXX ANOTHER ONE AS XXXX FOR XXXX TO XXXX XXXX XXXX XXXX 

YOU MUST RELEASE THE CLAIM XXXX AND CLAIM FORM WITH COPIES OF THE XXXX YOU PURPOSELY GAVE TO THE SQUATTER.