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

Experian, XXXX, and XXXX credit bureau are reporting that I have a collection account with XXXX XXXX in the amount of XXXX dollars for services rendered for a medical procedure. They are reporting a date of XX/XX/2018 as the date of being delinquent, when in fact this collection is over 6 years old. The debt has been recently sold to a new debt collection company and The collection has be re aged which is illegal and has caused my credit score to drop significantly. I opened a dispute with Experian and the results stated " Updated '' but the dates were not updated and nothing was changed on my credit report to reflect the correct delinquent dates. This collection is showing on my credit report as a new collection and only reflects that it has been 1 month since the collection was opened instead of a collection that is over 6 years old. Please correct and advise.
Product: Credit reporting or other personal consumer reports

I just pulled my credit report and found some inquiries on my report that do not belong to me.
Product: Mortgage

I have tried for seven yrs to get a lower interest rate from Wells Fargo the last time I was helped or screwed was last year I ask for a loan Modification and boy I got one the lady at Wells Fargo told me to take it or move out.She went up on my interest rate and went up on my yrs she added ten yrs to my loan instead a lower interest rate to help me. I was in the area were the states were hit hardest. I was underwater but she had no HEART for anything but Wells Fargo the Government gave them money to help people but they did not I have never seen such XXXX crooks in my life I begged for a lower rate but no we can not help you. I did not qualify for any government programs. But I live in the US and pay taxes in US. It is a shame that they get bailed out and I can not get a lower rate. And XXXX is just as bad they say we can help you we will talk to Wells Fargo but they just let them treat people anyway they want to. The government owns the loan but has no say so about the way Well Fargo treat it customers.They make millions and can not help the people that is hurting.I have really tried for a lower interest for the several yrs and I know they can help me but they want they had rather me move and sell my home and loose money because it is the US government losing the money not Well Fargo. Thank XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX i been a victim of identity theft, since that time I have been receiving U.S. mail and phone calls regarding accounts being opened in my name. In XXXX I filed an identity theft report with the police department. On XX/XX/XXXX I became aware of a fraudulent account that appeared on my credit report with the name of XXXX XXXX  account number XXXX and realized that I had never applied for such an account so I filed an FTC report with the Federal Trade Commission, I filed an identity theft affidavit with the XXXX XXXX police department and filed Legal notices to cease and desist their activities and remove the fraudulent account from my credit report. I sent them everything required by law to remove the fraudulent account. My Drivers license and social security card with my current utility bill to validate my identity. I sent them a valid identity theft report from the FTC and police department which XXXX XXXX, Experian, and XXXX denied and claimed to be fake or invalid reports. I have submitted more than enough supporting documents to support my request.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to bring to your attention an erroneous reporting made by Self Inc to the credit bureaus, which has adversely affected my credit score. I discovered in XXXX that an account under my name with Self Inc had been reported with late payments, despite the fact that I did not open this account and had no knowledge of its existence until then. 

Upon discovering this, I immediately contacted Self Inc to request the closure of the fraudulent account. However, despite my request, the account remained active. Furthermore, when I asked Self Inc to provide verification that I had indeed opened the account, they failed to provide any useful information that could ascertain the legitimacy of the accounts opening. 

This incorrect reporting has not only impacted my credit score negatively but has also caused me a great deal of stress and inconvenience. I have taken steps to resolve this issue with Self Inc directly to no avail. Therefore, I am seeking the assistance of the CFPB to investigate this matter and to ensure the necessary corrections are made to my credit report promptly. 

I am willing to provide any further information or documentation required to support my case. Please feel free to contact me at ( your contact information ). I earnestly look forward to your prompt intervention to rectify this erroneous credit reporting. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per your earlier brush-offs - you state that inquires are a matter of record for every time I applied for credit.  HEY   XXXX ! I did n't apply for any credit for all the inquiries that I have been disputing for over 2 years!!!  <P/>  HELLO????  Why should I have to contact all  XXXX  creditors regarding something I did NOT apply for, that someone else has attempted to open???? HELLLOOOOOOO?????  <P/> DELETE THE INQUIRIES - I DID NOT APPLY FOR THE CREDIT - WHETHER IT 'S A CREDIT CARD, A LOAN, A CAR = NOTHING!!!  <P/> I AM NOT DOING YOUR JOB! THIS WERE FRAUD PLAIN AND SIMPLE!!!!!!!!!!!!!!!!!!!!!!!!!  <P/> CFPB - You guys are a joke! You have n't helped me at all.   I did NOT apply for these items, I want all inquires REMOVED - these are FRAUD!!!!   HELLLOOO!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 or other personal consumer reports

I am following up on my previous correspondence regarding inaccuracies in my credit file, as detailed in my previous dispute letter. Despite my prior request for correction and reinvestigation, I have yet to receive confirmation that these matters have been addressed or rectified. 

These inaccuracies remain unaddressed, and I am requesting an immediate reinvestigation of these items to ensure the accuracy of my credit report. Additionally, I request the following : 1.Confirmation of corrections made to the disputed items.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the Fair Credit Reporting Act ( FCRA ). 
3.Written confirmation detailing the results of your investigation and the actions taken to resolve the inaccuracies. 
XXXX XXXX Opened XXXX XXXX, 2007 Balance : $ XXXX Late XXXX XXXX XXXX  accts Open- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The following letters were sent to the following companies : XXXX. Midland Credit Management Company located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX | Account Balance : {$2400.00} XXXX. XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX | Account Balance : {$490.00} XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX | Account Balance : {$3300.00} Dear Collector, I'm unaware of this debt, I didn't have opportunity to dispute this information. If in fact you believe you provided the proper notification then please send me the " certified receipt '' with my name and address on it. If you are unable to provide the said document otherwise the noted account must be removed because this is a violation of the federal credit consumer law ( FCRA ), 15 U.S.C. 168.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act shows violations by the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) These accounts violate the following sections : Section 602 Congressional findings and statement of purpose [ 15 USC 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Section 604 Permissible purposes of consumer reports [ 15 USC 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Section 605 Requirements relating to information contained in consumer reports [ 15 USC 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

and Section 623 Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors. 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. 

Considering my right to privacy, exclusion of reporting that isn't of criminal conviction, and the fact that I the consumer never gave the reporting agency written consent to report these accounts. The following accounts are being reported in error. Please delete the above accounts ASAP.
Product: Credit card

On XX/XX/XXXX I ordered kitchen cabinet doors, online, from a company called XXXX XXXX. I paid this company {$1700.00} in full upfront for the doors. I ordered 27 cabinet doors in specific sizes. The merchant sent me only 12 doors and not the sizes that I ordered. I called the merchant on several occasions, XX/XX/XXXX & XX/XX/XXXX. I spoke to a customer service representative who told me they would look into the matter and get back with me, no one ever called back, other times I would leave a voice mail message. On XX/XX/XXXX I sent a letter to merchant, see attached, explaining my dispute. I received no response. I asked that merchant have their shipper pick up the cabinet doors and either ship to me the correct order or refund my money, I received no response. 
I then filed a dispute with my credit card co., Capital One. I sent to them a fully completed dispute form. They asked for certain documents, I sent to them a copy of the original purchase order from merchant and a letter from myself detailing the merchandise that I did receive and explained how it differed from the merchandise that I ordered, see attached dated XX/XX/XXXX. I sent pictures to Capital One of my kitchen and pictures of the cabinet doors sent to me. Capital One refuses to issue a refund back to my card. The merchant has {$1700.00} of my money and I have a kitchen with no cabinet doors.
Product: Credit reporting, credit repair services, or other personal consumer reports

no fraud on my report. not on public assistance.information reported over and over.can not recall dates, actions, amounts, because of false information.
Product: Money transfer, virtual currency, or money service

The Cash App keeps claiming that the transfer of {$50.00} out of the app to my XXXX Checking account was declined by XXXX XXXX. I tried to do this transaction three times, XX/XX/XXXX, XXXX, and XXXX. When I contacted XXXX XXXX  they stated that they had not declined any transactions. I have a secure message from XXXX dated XX/XX/XXXX stating that no transactions were declined by XXXX. I will enclose that in this complaint. 
ON Friday XX/XX/XXXX XXXX Cash App email support claimed that my funds were transferred to my debit card which I don't understand. I was sending my funds to my checking account, not a debit card. On the Cash app the banking information is correct for my checking account. Two days later the funds are not transmitted, and the app states it is declined. I have contacted cash app email support but now they no longer respond to my requests to resolve this.
Product: Debt collection

Good Morning ARC Compliance Team ; This is unreal! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/year> FactorTrust Consumer Services XXXX XXXX XXXX XXXX, XXXX XXXX Dear FactorTrust Consumer Services, I am writing to request a security freeze on my FactorTrust account and credit report number XXXX. I understand that FactorTrust allows consumers to place a security freeze on their accounts to prevent unauthorized access and potential identity theft. 

Please process this request promptly and confirm once the security freeze has been successfully applied. If you require any further information or documentation, please do not hesitate to contact me at the address, email, or phone number provided above. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had just moved to XXXX and was looking for an apartment and found ( what seemed like ) a couple different landlords. I requested to view the property before signing a lease and was told to secure a holding fee or deposit first. I sent the money and then attempted to see the physical properties, which did not exist. I was blocked from all messaging after asking for my money back. I reported it to my bank and was denied any reimbursement as it shows I authorized the charges. I authorized them but didn't realize until after the fact that I was being scammed. 

These happened in the beginning of XXXX and end of XX/XX/year> in the amount of {$1100.00}, {$100.00}, {$700.00}, {$500.00}, and {$200.00}. I have more personal information and details if needed or requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting to my TransUnion report for the amount of XXXX  XXXX dont know this company I have never done business with this company this company does not have a contract with my written signature.
Product: Debt collection

I have attempted to rectify this matter with Capital One Auto Finance in regards to a consumer credit transaction that took place. I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been abused and deceived by Capital One Auto Finance. Capital One Auto Finance has knowingly and willfully violated the Truth in Lending Act. Truth and Leading TILA The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have sent correspondence to Capital One Auto Finance, such as Debt Validation, Affirdvait of Truths, and Notice of Default/ Opportunity to cure. Capital One Auto Finance has ignored and has not responded appropriately. Capital One continuously abuses me and has caused great anxiety. They have threatened to repossess my property which is a violation of 15 USC 1692f ( 6 ). This includes infringing upon my right to privacy by having a third party come to my private property which is a violation of 15 USC 1692a. All documents were mailed and delivered to Capital One Auto Finance on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX -XX/XX/XXXX, customers service would not help and take care of the negative inquiry 2. XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) XX/XX/XXXX 3. XXXX XX/XX/XXXX and -XX/XX/XXXX unauthorized inquiry- ( customers service would not help and take care of the negative inquiry ) 4. XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, unauthorized inquiries ( customers service would not help and take care of the negative inquiry ) 5.XXXX-XX/XX/XXXX, unauthorized inquiry/fraudulent ( customers service would not help and take care of the negative inquiry )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and several addresses, accounts and inquiries have been fraudulently added to my credit file. here are several addresses that are a result of identity theft and need to be blocked on my credit file XXXX XXXX XXXX # XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX and the Inquiries XXXX   XX/XX/2018 XXXX XXXX XXXX, XXXX XXXX  XX/XX/2018, XXXX  XXXX XX/XX/2018 XXXX XX/XX/2018, XXXX  XXXX XXXX  XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX XX/XX/2018, XXXX XXXX XX/XX/2018, XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX/XXXX XX/XX/2018, XXXX XXXX XXXX XX/XX/2018 all of these have been listed on id theft affidavit from the FTC and a police report where it happened. these are not mine I have sent letters regarding this issue with no luck I am sending this here to make sure this matter gets the attention it needs and all of these items are blocked permanently as fraud from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act, The following accounts XXXX XXXX XXXX XXXX ; account # XXXX, XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  ; account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have 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.