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

Despite multiple requests, the unverified item with Capital One, inaccurate late payments status, still remains on my credit report in violation of Federal Law. I have contacted Capital One via mail and have returned undelivered mail with inaccurate address on file, and via phone Capital One has told me I never had late payment with them. Required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct which they deny that they dont have to have documentation on file. In the results of your previous investigation and subsequent re-investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 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 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law, I'm a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

looked at my credit report found XXXX XXXX XXXX XXXX XXXX XXXX. I never have had a card or banked with them. No letter has been sent nor inquire has been made to see if this debt is actually mine. There is no information on this account as well such as account number ect.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX  Bankruptcy : XXXX, XXXX  XXXX Bankruptcy : XXXX, has violated my rights.

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

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

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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose
Product: Debt collection

On XX/XX/2018 I notice that on my credit report that I C System reported a balance of {$920.00} which I do not recall and I contacted the company Via fax in regards to this account reporting on my XXXX, and XXXX  Credit Report requesting a signed Document bearing my signature.
Product: Debt collection

I received a notification from XXXX regarding a package being delivered to an address where I haven't resided for over 13 months. Concerned about this, I promptly contacted XXXX to inquire about the package 's contents. They provided me with a contact number, which ultimately led me to MCM ( Midland Credit Management ). 

Upon speaking with a representative from MCM, I shared my concerns and requested validation of the accounts associated with me. The representative initially attempted to verify my identity solely using my birthdate and then informed me about multiple accounts they held in their office under my name. In response, I reiterated my request for written communication and validation of the debts, emphasizing that I had not lived at the address they were sending information to for over a year. 

Despite my polite explanations, the lady on the phone appeared dismissive of my concerns and persisted in urging me to make payments. I informed her of my job loss last year and my current full-time commitment to college. I kindly requested, once again, validation of the debt, copies of all credit card statements, and a copy of the card agreement with my signature. 

Regrettably, the lady on the phone continued to disregard my requests and remained insistent on immediate payment. Frustrated with the lack of cooperation, I decided to conclude the call.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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
Product: Debt collection

I have received repeated, multiple calls, daily claiming to be from your company. It's an automated call with no detail and have received the same message from various different phone number, even my own area code. I have blocked multiple numbers, but then a new one calls with the same message.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report on XXXX, XXXX  and XXXX, i noticed that there is a unauthorized inquiry on all three credit bureaus. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 
INQUIRY DETAILS : American Honda Finance Date : XX/XX/2019
Product: Credit card or prepaid card

Destiny Mastercard run by genesis inc without notice or writing or contacting me, lowered my credit limit, causing a over limit on the card and reporting it to the credit bureaus as over limit. Then wanting a min payment of over {$250.00} threatening late fees and extra interest charges if not paid on payment date. My previous payments have been around $ XXXX. 
I have called them and made contact with them on XX/XX/XXXX and XXXX XXXX. They admit they lowered the credit limit and want {$250.00} payable now, even though I paid {$50.00} on XX/XX/XXXX.
Product: Mortgage

I submitted a package to Bank United back on XX/XX/XXXX in request to mortgage assistance. They requested additional information in which I sent to them in a timely manner, as of XX/XX/XXXX, I was informed my application is with the underwriter and is in active review. I am facing a foreclosure sale date on XX/XX/XXXX and the lender nor the foreclosure attorney have postponed the trustee sale, leaving me in a panic and stressful situation. I am aware of the laws of dual tracking and I know I must be provided a decision prior to the lender proceeding with the foreclosure. If I am denied loss mitigation assistance, I have the right to appeal in a timely manner. I am not sure why Bank United can not postpone the trustee sale given there are only 2 business days left until the trustee sale and leaving me to be unsure of how things will proceed and to be in a panic. Additionally, I was never provided a direct point of contact nor did Bank United reach out to me for options to save my home both which are violations of the Homeowner Bill of Rights.
Product: Checking or savings account

On multiple occasions over the years of being a Wells Fargo customer, I have been charged overdraft fees on my account. I have only recently found out that I could be eligible to receive some of that money back.
Product: Credit reporting or other personal consumer reports

Equifax is reporting incorrect information on my credit report they refuse to investigate anything but tell me to call the company 's myself ever time i send them a dispute by mail they tell me they do not get them. when i send them to the address they give me.i disputed some fraudulent inquiries that were on my credit report and they told me i had to call the company 's myself. this is not my job i do not get paid by Equifax this is there job to dispute incorrect information. and this is stated by the FTC.if the accounts are fraudulent they should be deleted from my credit report. also the other complant i have is that they are not updating information as they come in because they are making you wait 30 days to update anything. i am trying to buy a house and because they want update the information asap i have to put everything on hold. also they are reporting a bankruptcy on my credit report that is fraudulent and does not belong to me. attached is they dispute i sent them by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 
( ACCOUNT CONTROL TECHNO Original creditor : XXXX UNIVERSITY XXXX Date opened XX/XX/2020 Balance {$0.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX XXXX XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer. 
Provide accurate information about accounts or other interactions you have with customers. 
C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX XXXX XXXX Collection {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$650.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Collection {$640.00}
Product: Debt collection

i was informed that there was a collection on my credit report and i reached out to the both the collection company and original creditor. The collection company IQ data stated on my credit report that i owed {$3400.00} from a previous lease which i knew i didnt owe. i contacted the original creditor and requested a ledger verifying a {$0.00} balance as proof. When i called the collection agency back they were extremely rude, i was hung up on several times and was told to not call back because they werent going to change anything. i am attaching a copy of the page of the credit report showing the collection, `a copy of the ledger from the rental agency and email correspondence. i have been working on this since XXXX and it has hindered my abiltity to get a mortgage for my family. 

Sincerely XXXX XXXX
Product: Payday loan, title loan, or personal loan

Title cash of Idaho is doing very illegal things. The new area supervisor is requiring the employees to write down the customers bank account information so they have it. Even though its in the system but you can only see the last XXXX of the account number. Shes also wanting them to write down their debit card info down so they can charge the customers card info so they can charge it more than 2 times. Even though they are only allowed to charge a customers card twice. The regional manager is constantly talking about doing drugs, even in front of customers. They are doing a lot of illegal things, and its not right. I am a previous employee, and the reason I dont work there anymore is because I wouldnt do what they wanted me to.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report fraudulent information on my credit report. Because of this, I was denied from renting an apartment due to the fraudulent information reported by TransUnion. This has created a hardship for me and my family. The other credit bureaus deleted the fraudulent information but TransUnion came back verified, how is this possible, when I sent each bureau the same information. I sent to TransUnion a copy of my police report and Identity theft report on  XXXX / XXXX /   2016  and also around  XXXX / XXXX / 2016 .
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires were previously deleted from an agent due to me not authorizing them. I contacted the creditors and they told me to contact the Credit Bureau which i did and they added back without any notification to me and I tried resolving the issue with Experian with no success. I sent letter and letters of the laws to Experian USPS certified mail about this matter i have not heard anything.
Product: Credit reporting or other personal consumer reports

Citi - Account numberXXXX This account does not belong to me. Please provide the description of the procedure of the investigation used to verify this account if you cant please update this account immediately. 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I would like to know what you verified because both XXXX and XXXX both agreed that this isn't my account and should be removed. Please provide me with the proof of verification method or please remove immediately.
Product: Money transfer, virtual currency, or money service

I was purchasing for tickets for a football game and was told by the scam artist to send the money through Zelle after a secure transaction through XXXX had failed. I sent the money and the seller blocked me and kept the money. I immediately contacted Zelle to file a dispute and they told me there was nothing they could do and they couldnt give me any information about the recipient, so I could file a police report or submit a complaint to the FBI. I repeatedly tried to request the money back but was declined. The transaction happened on XX/XX/year> and amount was {$120.00}. I also submitted a complaint to the FBI with the little information I had.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request an update to my personal information on my credit report. I have noticed inaccurate and outdated information, including names, addresses, and phone numbers, which I would like corrected as soon as possible. 
Correct Name : XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Phone Number : XXXX
Product: Debt collection

I am writing to express my extreme frustration and anger about the account on my credit report that shows late dates and a negative status. This account belongs to XXXX XXXX XXXXXXXX Date Opened XX/XX/year> Balance {$2300.00}. Let me clarify that this was an error on the database of the bank. I have never been late and always paid on time. Therefore, I demand that the bureau removes the late dates and updates the negative status of this account to a positive one. I already submitted a dispute to XXXX regarding this issue, and they have addressed it accordingly. They have removed the late dates and updated the negative status of this account to a positive one. I was the victim of this error, and I'm not sure why the credit reporting agency is not complying with the law. The other bureaus have followed suit. I'm very confused why this one seems to ignore my requests. Your fast attention to this matter is not only crucial, but it is also your legal obligation. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

In XX/XX/XXXX, GS Bank reported a late payment on my Apple Card. This issue occurred because my primary bank, XXXX, unexpectedly closed my account, and I had to open a new bank account to handle my finances. The process caused delays in making payments, which resulted in the reported late payment. 

As a 100 % XXXX veteran, I take great pride in managing my finances and making timely payments. Since opening my Apple Card account in XX/XX/XXXX, I have never had a late payment prior to this incident. I am doing everything in my power to continue making on-time payments, and I believe this late payment was an unfortunate exception due to circumstances beyond my control. 

I understand that GS Bank has since closed my account, and I fully intend to continue making all payments as required to fulfill my obligations.