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

Upon investigating my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/2018 Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called creditor they agreed to remove this account from my profile, It has been 60 days and they have not done so XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Potentially Negative Account Name XXXX XXXXXXXX Account # XXXX Account Type Banks and S & Ls Balance {$0.00} Past Due {$0.00} Date Opened XX/XX/XXXX Account Status Open Mo. Payment {$0.00} Payment Status 90 days past due High Balance {$950.00} Limit {$750.00} Terms Comments XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Why Does TransUnion Show Omitted Public Record Information on my credit file? What is this? This needs to be removed. I have no public records to have reported. Please ask them why they allow Miscellaneous misinformation on my credit report please? XXXX  doesn't have this neither should any other credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to start building my credit because I am close to the age where I want to start making big purchases, I been applying for several different credit cards and been getting denied from each one. I received a letter in the mail from the most recent credit card I applied for starting that I was denied because of derogatory items. I was confused because I have never even applied for many items and the one credit card, I had I paid for it and had the account closed. I decided to pull my credit and there is a couple of unknot items that do not belong to me. Please remove these fraudulent items from my report. I have been a victim of identity theft.
Product: Credit reporting

I am filing a complaint because TransUnion has ignored my request to provide me with documents that their company have on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 
Thank you.
Product: Credit card

yes ive been trying too work out a monthly payment on my moms account with collections dept.they asked me how much i can pay monthly toward closed account.i told him first XXXX .he said no.than i said XXXX he said no????? i asked hime was the minuium??? he would not tell me????? what kind of people work here???? my moms on XXXX???? and i am too????? than i get a letter email stating they offered payment options??? they offred nothing too me. im trying too work with them.but these people are of no help? like too talk too not the collections supervisor he did nothing for me??? like too speak too whos higher up in charge??? like i wana contact XXXX XXXX office on this mattar???? also wana get all late fees waived and penalities too on account????
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon receiving my credit report, I noticed some accounts that I didn't recognize ; XXXX XXXX XXXX being one of them. I immediately reached out to law enforcement and made a police report that's on file. These police reports have been mailed to the companies indicating that I am a victim of fraud and that the alleged account does not belong to me. The accounts are not mines and I totally dispute them. I have requested several times for the company to validate the debt and prove that I am indeed the correct person that opened and owes the debt. These letters were sent via USPS to the company ; I have not received anything that VALIDATES the debt as of today. I know my rights, and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I Before contacting an attorney for legal advice, I wanted to contact your agency for guidance.
Product: Debt collection

I received a call from a  XXXX   XXXX   XXXX   XXXX  from Premier Portfolio Group regarding some unknown debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When recently discovering that my personal information was compromised during the Equifax hack, I was trying to freeze my credit score to prevent any attacks on my personal credit rating. Equifax has offered a fee waiver on freezing my account as of this time, but other unions such as XXXX XXXX are charging to put this freeze into place. And I assume all three companies are going to charge anytime I will need to unfreeze to apply for any type of loan or credit. I find this unacceptable that these institutions are profiting off if consumers trying to protect the only thing that will let them buy a home, or a car, or even get a student loan. Currently, XXXX  XXXX is even hiding credit freeze information on their website in favor of advertising their own for profit credit monitoring services. So not only are hackers benefiting from getting my personal info, but the people in charge of it, whose negligence put me and millions of other US citizens at risk are profiting.
Product: Credit reporting

Hi there, I was previously notified by XXXX that a XXXX credit card was opened under my name. I called XXXX XXXX and they said they opened an investigation to look into this and would handle figuring out what happened. Can you please check with them as the account is already reported as closed and I 'd like to remove the hard inquiry from my report. 

Thank you.
Product: Credit reporting

Even though I have not authorized, Equifax allowed XXXX to pull credit report on me.
Product: Credit reporting

On XXXX XXXX, 2016 I mailed Experian a dispute for a collection account on my credit file. On XXXX XXXX 2016 I received a letter from the collection agency dated XXXX XXXX, 2016 stating they could not verify the account and that they need more time to verify the alleged debt, On XXXX XXXX, 2016 I received a letter from Experian dated XXXX XXXX 2016 shwing that the collection account continues to remain and my credit report after the processing of my dispute. Experian has violated my rights by falsely verifying a collection account and continuing to list it on my credit report.
Product: Debt collection

I opened a PayPal Credit Account from within my personal PayPal account that allowed me to make credit purchases digitally w/o requiring a physical card. When making a pmt to my CC, I would simply login to PP & submit a pmt to my cc & we NEVER had an issue making on-time pmts for several months. However, at some point our pp acct was hacked & then upgraded to a business PP account wholly unbeknownst to me. Once this happened, we no longer had any access to login & our cc acct information completely got deleted from our account & left us with literally no way to even make a payment. Further, our acct was used illegally which increased the balance to over $ XXXX when we only used the card for approx $ XXXX {$700.00} in charges. I contacted PayPal multiple times trying to regain access to my account & figure out how to make a payment, but PP could never figure out how to fix my account, which caused me to have multiple late pmts reported on my credit, which reduced my credit score by over XXXX points & PP wouldnt help in the least bit even after sending in a copy of my police report along with a form that was supposed to be sent in w/ my police report. Fast forward to XX/XX/XXXX & as my husband & I were out in our yard planting flowers, we had a process server show up to serve us with court documents showing that XXXX XXXX  had filed a lawsuit against me & when I called, they threatened to garnish my bank account & that they would be contacting the XXXX XXXX  XXXX XXXX to have my XXXX License suspended for being a XXXX  & not paying my bills. They have egregiously violated many consumer protection laws including never properly providing the debt validation documents which they are required to do so within X number of days.
Product: Debt collection

I SPOT WITH A LADY NAMED XXXX WHOM I FRLT XXXX XXXX AGAINST SHE THREATENED ME THAT THEY WILL NEVER REMOVE IT & THAT SHE COULD NOT ASSIST ME. NOW I AM AFRAID SHELL BE SPITEFUL AND TRY TO ADD THE DEBT BACK TO MY ACCOUNT. THIS HAS BEEN AN UPHILL BATTLE WITH INFORMATION THAT IS INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I gave instructions to XXXX consumer USA to redeem a tender coupon of {$1400.00} pursuant to 1693o-1. It contained the gold clause pursuant to 31 usc 5118. XXXX consumer received this 4 days later pursuant 1681n XXXX has been willful non compliant to my instructions pursuant 15 usc 1681b ( 2 ). They are civilly liable pursuant to 15 usc 1692k for XXXX for each violation. They have since furnished consumer reports violating cease and desist order stated in communication between the consumer in XXXX see exhibits. Exhibit will also show receipt of the cease and desist notice. Pursuant to 18 usc 8 I owe no debt. It's a violation for XXXX to willful furnish consumer reports pursuant to 15 usc 1681n. this company is violating my right to privacy pursuant to 15 USC 1681b 2. this company has No permission to report ANYTHING using my information pursuant to 15 USC 1681 4.
Product: Checking or savings account

On XXXX of XX/XX/XXXX, XXXX XXXX mistakenly initiated a securities transfer to another brokerage. Upon discovering the error, I immediately returned the securities on XXXX of XX/XX/XXXX. Despite this, XXXX XXXX falsely reported me for fraud to Chase, which led to the closure of my Chase business account. 

The false fraud report was entirely baseless and resulted from XXXX XXXX own error. On XX/XX/XXXX, I was notified by Chase that my business account would be closed due to the fraud report. The account was set to be closed today, causing significant disruption to my business operations. 

I have made multiple attempts to resolve this issue with both XXXX XXXX and Chase, including [ briefly describe your actions, e.g., phone calls on specific dates, emails, or letters ], but no satisfactory resolution has been provided. The closure of my Chase business account has caused severe financial and operational harm to my business, includingnability to process payments and loss of client trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF THE XXXX  XXXX XXXX AND XXXX XXXX BREACH. RAN MY CREDIT TO OBATIN AND MORTGAGE AND WAS TOLD BY LENDER THERE ARE FRAUDULENT ACCOUNTS AND INQUIRIES ESTABLISHED IN MY NAME WITHOUT MY CONSENT AND AUTHORIZATION. SOMEONE HAS BEEN USING MY SOCIAL ILLEGALLY. I REACHED OUT THE THE CREDITOR DIRECTLY AND ALL 3 CREDIT BUREAUS AND XXXX IS THE ONLY BUREAU THAT SUCCESSFULLY REMOVED THE NEGATIVE FRAUDULENT ACCOUNTS FROM MY REPORT PROMPTLY. I HAVE SUBMITTED THE REQUIRED DOCUMENTATION FOR THE LAST 8 MONTHS TO XXXX AND EXPERIAN WHICH INCLUDE COMPLAINT DISPUTE LETTER FTC IDENTITY THEFT AFFIDAVIT AND ALSO OFFICIAL POLICE REPORT AND STILL NOTHING IS RESOLVED REMOVED OR BLOCKED FROM MY CREDIT FILE. THE FRAUDULENT ACCOUNTS ARE XXXX XXXX {$440.00} XXXX XXXX XXXX {$12000.00} AND XXXX XXXX {$0.00}. I DID NOT OPEN THIS ACCOUNTS OR AUTHORIZE THEM SO THEY SHOULDNT BE OPENED OR REPORTING TO MY REPORT. FCRA SECTION 605B AND 609B.
Product: Vehicle loan or lease

This letter is a formal complaint that CAPITAL ONE AUTO FINANCE is reporting inaccurate and incomplete credit information on my credit report. 

I have called their attention to the SEVERAL Errors but they replied to let me know that the information are correct. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure that the information reported is completely accurate and correct. 

15 U.S.C. 1681i : This section requires that upon receiving a dispute, the information furnisher must conduct a reasonable investigation to verify the accuracy of the disputed information.

15 U.S.C. 1681s-2 : This section mandates furnishers of information to provide accurate information and to promptly update and correct any information that is found to be inaccurate.

I have attached highlighted summary of my report for your Perusal.

All items circled and highlighted in XXXX  in my attached letters are ALL INACCURATE.
Product: Debt collection

National recovery Agency ( XXXX ) filed an erroneous derogatory file on my credit reports with XXXX XXXX and XXXX. I contacted them and was told they are a debt collection company hired by XXXX XXXX XXXX XXXX who purchased this debt from XXXX XXXX XXXXXXXX. They allege I received emergency treatment from this hospital on XX/XX/year>. This is false, I never received treatment from this hospital nor did I authorize treatment or charges from this hospital. I was told by National recovery Agency they would file a dispute with XXXX and it could take XXXX or more before I hear something back. Further, they refused to remove this derogatory file from my credit report until this matter is resolved. I was also told XXXX does not have a phone number to contact them directly so there is nothing I can do about my credit report being damaged in the meantime. I am wanting to file a complaint against XXXX, National recovery, XXXX XXXX XXXX and all 3 of the credit bureau for damaging my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an XXXX year old retired person since XXXX & living in the XXXX of XXXX. I am a XXXX XXXX XXXX & a personal XXXX & XXXX client of Capital One since XXXX. I have used Internet to examine my monthly statements and pay my accounts, generall in full, monthly since XXXX - and have a perfect record of payments. 
XXXX, XXXX Capital One denied our entry into our Account Statements claiming we must have a XXXX digit telephone number & in my name, in the XXXX. On file, since XXXX was the telephone number of my son in Washington XXXX. Capital One argued my son 's number was now unacceptable, and ; my XXXX global telephone number was also - unacceptable. I therefore asked to have my statements mailed to me thru my billing address in XXXX, FL. which is also our Mail Forwarding Service. 
XXXX, XXXX it was obvious Capital One would not accept our XXXX XXXX number, which has XXXX digits, nor had they sent my statements by hard-mail. We continued, however, receiving Capital One monthly billing " notices '' by e-mail, though could not access our accounts.. 
Therefore, with XXXX 's monthly billing invoice by internet, on XX/XX/XXXX we paid, by XXXX Messenger all 3 due in XXXX, XXXX accounts in full, as was usual. XXXX has provided receipt for the delivery. Receipt copies provided to Capital One wherein Capital One received the XXXX payments on XX/XX/XXXX, XXXX signed by mail room XXXX XXXX XXXX XXXXXXXX XXXX 
RESULT. Even providing Capital One with all documentation and evidence, still, Iin XXXX, XXXX, Capital One reported late notices with the Credit Reporting Agencies - resulting in a XXXX point reduction in our report. Capital One to Auto-pay from our XXXX Bank full balances of any charges-monthly. 
FURTHER : Capital One still has not provided us either access by internet, nor hard copies of our statements from XXXX, XXXX - to the current writing of this complaint XX/XX/XXXX. 
WE WANT : Internet access to our accounts for accounting purposes, or a minimum of the statements by hard-mail, and ; Capital One correctly report the XXXX, XXXX payments were erroneously reported by Capital One - as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up an account with XXXX XXXX on XX/XX/XXXX and closed the account on XX/XX/XXXX. Jefferson Capital recently purchased this account I had from XXXX XXXX and has re-aged this account. They have told XXXX, XXXX and XXXX that I opened the account on XX/XX/XXXX and all 3 bureaus are reporting this Re-aged account as of XX/XX/XXXX. Since then, It has dropped my score. I would like this account deleted I also would like to sue Jefferson Capital for their Unscrupulous Illegal practices. I have a few copies of my credit report before Jefferson Capital Syst purchased the account and after they re-aged the account. I will attached to this complaint. 

Thank you for your time, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is not doing proper investigations i have had numerous investigations with little result with such simple things like personal information named spelled wrong address spelled wrong hard inquiries not authorized. 

XXXX. Name ID # XXXX XXXX XXXX it shoukd be XXXX XXXX the i is missing 2. Address wrong Address # XXXX delete not a correct address listed twice the correct address is # XXXX XXXX. Address wrong Address # XXXX missing A delete not a correct address listed twice the correct address is # XXXX Never authorized any of these hard inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX  XX/XX/XXXX XX/XX/XXXX shouldnt be on my credit report any longer on there twice XXXX XXXXXXXX XX/XX/XXXX shouldnt be on my credit report any longer XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX should be on my credit report any longer Every single hard inquiries should be removed all are between XXXX and XXXX XXXX credit report is attached as proof and they are obviously not doing the job and XXXX should sue them and they are affectings people credit scores and not being responsible
Product: Debt collection

I guess XXXX XXXX  I dont know who they are called my work and left a message with the secretary right theres a violation itself and they called XXXX XXXX XXXX they left information with a third-party which secretary and I dont know who they are. I dont know they dont have my cell phone number that they called my work so seems fraudulent to me.
Product: Mortgage

CMG Financial, XXXX XXXX XXXX, XXXX NJ XXXX has made mistakes with the escrow account. These mistakes started when they started servicing the loan. There mistakes contributed to the escrow account shortage. They sent notification of escrow shortage in the amount of {$1400.00} which is incorrect. This error would have caused my monthly payment to increase from {$660.00} to {$800.00}. I asked them to review the account and make corrections, they responded with a shortage of {$980.00} which is also incorrect. This shortage amount caused my monthly payment to increase from {$660.00} to {$760.00}. I was never given the correct shortage amount. I was never given the option to " pre-pay '' escrow along with the correct shortage amount to keep my monthly mortgage payment from increasing. Transactions appeared on escrow summary statement that I questioned and they did not provide an answer for those transactions. I wasn't given all the information requested in my letter.
Product: Credit reporting or other personal consumer reports

I have requested that Transunion remove these inaccurate items off my credit report several times. I have sent four letter asking for a reinvestigation, and all I keep receiving is generated responses. I asked Transunion to provide written proof that these companies are being reported correctly with dates, times, amounts, missed payments, and to whom they spoke with during their reinvestigation. Also XXXX XXXX  is not the original creditor XXXX XXXX XXXX XXXX XXXX.is. This creditor is going up on the balance every month to purposely bring down my credit score and that is illegal. Transunion is breaking the law These are the laws that they're breaking. 
Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
15 U.S.C. 1681e - Compliance Procedures : Requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S.C. 1681s-2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : Requires companies that furnish information to credit reporting agencies to report accurate information and correct any inaccuracies. 
2. Fair Debt Collection Practices Act ( FDCPA ) - 15 U.S.C. 1692 et seq. 
15 U.S.C. 1692e - False or Misleading Representations : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including misreporting credit information. 
3. Truth in Lending Act ( TILA ) - 15 U.S.C. 1601 et seq. 
15 U.S.C. 1640 - Civil Liability : Provides for civil liability for creditors who fail to comply with the requirements of the act, including those related to the reporting of accurate information. Reporting Inaccurate Information : Violating the requirement for CRAs to follow reasonable procedures to assure maximum possible accuracy of the information in the report. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - Failure to Correct Errors : Failing to investigate and correct errors within 30 days of a dispute. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I do n't know anything about the charges to my credit some one took out a mortgage in my name
Product: Mortgage

Bank of America has made false and or erroneous claims of a pattern of late payments alleging that all my accounts are late. In a letter I received on XX/XX/XXXX Bank of America said they closed my Bank of America Visa account which was paid off. Record will show that we maintained an excellent credit rating up until XX/XX/XXXX. The issue is not with all other accounts it is with XXXX account Bank of America Home Equity line of credit. XX/XX/XXXX I received a letter from Bank of America informing me that my Home Equity line of credit will change from interest only ( approx. {$370.00} per month ) payment to principle and interest only ( Approx. {$780.00} per month ). I reached out to Bank of America and applied several time for a home loan modification but was rejected because I was current on all my accounts. I have on several occasions requested that Bank of America extend my interest only payments until the value of the home increases which will allow us to refinance our home to reduce our monthly payments. Earlier this year we tried to refinance our home through Bank of America but was turned down because there was not enough value in our home. My First mortgage is current along with all my other accounts. We have continued to make our monthly payment on the B of A Home Equity Line of Credit at the same payment of the interest only amount. Bank of America has turned us down for four home loan modifications. Bank of America customer service staff has threaten to begin foreclosure procedures if the payment are not brought current. I strongly feel that Bank of America is dealing unfairly in their home loan resolutions.