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

I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX FAILESIGNATUES, D TO DELETE 10 HARD INQUIRIES, THESE WERE PULLED W/O SIGNATURES0.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : 1 XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : REMOVE UNAUTHORIZED INQUIRIES Dear TRANSUNION, I pulled my 3 credit reports and scores recently. My report shows some inaccurate information that I did not authorize. Im referring to the inquiries listed that I did not authorize or provide consent. Im not aware or familiar with any of these listed creditors. 

I did NOT authorize the following inquiries listed below. None of these creditors obtained my consent and these reporting inquiries appear to be a violation of my FCRA rights. 

Below are the results of inaccurate reporting of my information. Please delete immediately. 
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 XXXXlease remove these unauthorized inquiries IMMEDIATELY and send me an updated copy of my credit report. 

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

On XX/XX/XXXX I mailed a letter to the credit bureaus requesting all unverifiable, unauthorized inquiries be removed from my credit file, as there were many credit inquiries which I had no knowledge of, nor did I ever authorize. The credit bureau has since refused to delete any and all unverified, unauthorized credit inquiries. This is a direct violation of the FCRA and I ask that they be investigated and appropriate action be taken to remove all unauthorized, unverifiable inquiries from my credit report. I also request that the credit bureau send me a current copy of my credit file showing the inquiries fully removed that they are unable to properly verify with supporting documentation for the inquiries they are able to verify. Their failure to follow procedures and the law should not be overlooked as this has created a hardship on myself, my credit rating and caused me to be declined services. Thank you
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. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

I'm a XXXX XXXX XXXX  US Veteran, i have a VA loan on my home, the servicing companies keep changing now i have some company called XXXX XXXX XXXX from XXXX with offices in USA. 

Today i got a letter telling me that i must now pay over $ 8,000.00++++ as they now say they forgot that i have no escrow account? I have never ever had any escrow accounts ever. I pay my own taxes and insurance. They then tell me they no longer want to do that and now I must pay this money directly to them or lose my HOME? 

This is some sort of fraud and shake down in the nearly 10 years in my home i have never ever had any escrow impound account, i pay all my self and have never ever missed any payments. 

It appears to major fraud against both the VA and me
Product: Credit card

On XX/XX/year>, I thought that I was paying in full my monthly balance on my Capital One credit card ( due XX/XX/year> ). The actual balance was {$890.00}, but I inadvertently ended up paying {$710.00}. I think that I made this error because Capital One includes as a payment option through its website " Last Posted Payment. '' It turns out that {$710.00} was the amount that I had also already paid XXXX month earlier for my previous month balance. I meant to pay off my " statement balance '' in full on XX/XX/year>. 

Capital One already has charged me {$13.00} in interest ( finance charges ) for my failure to pay off my XX/XX/year> balance in full. I also will incur additional interest charges for much of XX/XX/year>. To try to cut off more interest charges, I paid off my XX/XX/year> statement balance today. 

I do not like Capital One creating this " Last Posted Payment '' option. The " Statement Balance '' option makes the most sense. The " Current Balance '' option also is reasonable to display. Arguably the " Minimum Payment '' option is useful to some customers. But the " Last Posted Payment '' option, which I previously never had noticed, does not make sense for most customers, especially because the " Statement Balance '' changes from month to month for many customers. 

I think that the " Last Posted Payment '' option was created by Capital One in order to generate confusion among customers, which has just happened to me. I do not know when Capital One started offering that " Last Posted Payment '' option, but it seems very new and caught me by surprise. Now Capital One has ensnared me in a " finance charge '' loop that I preferred not to be in. 

I want CFPB to investigate the entire American credit card industry 's statement billing practices ( including at Capital One ) and determine how many consumers are falling into the " finance charge '' trap created by the " Last Posted Payment '' option.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - For the record, the following definitions are on the Capital One website : Amount Options Other Amount You choose the amount you want to pay.

Minimum Payment Pay this by your due date to avoid late fees. If you can pay a little more, you can save money on interest by reducing your balance faster.

Last Posted Payment The last posted payment.

Current Balance Pay this to pay off your current balance. Pending transactions, fees and interest charges may post and require additional payment.

Remaining Statement Balance Paying this amount may help you lower interest charges on your next bill. This amount is your last statement balance, minus currently scheduled, pending or posted payments that are received by your due date. It also includes AutoPay and returned payments. If you cancel any scheduled payments, you may have a balance due on your account. Check your account to confirm your balance.
Product: Credit card or prepaid card

American Express Serve is a card used by XXXX while filing taxes you can choose to have refund submitted on prepaid card. Well on XX/XX/2019 I received an email stating that there was possible fraud on my account. I clicked the link that stated it was not me. Then I called American Express and let them know to cancel my card and dispute fraud. I was informed that they couldn't dispute charges because they were pending and since it's fraud it may not go through. Then on XX/XX/XXXX the charges totaling {$300.00} went through and I called and submitted dispute. They told me to upload verification form and wait ten days to receive provisional credit. Now it's been more than ten days and no refund. I called three times and now they are saying it could take up to 45 days. This is unfair practices and I need my {$300.00} credited back this is fraud and I am being punished.
Product: Debt collection

DESIGNED RECEIVABLE has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with DESIGNED RECEIVABLE. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account No. XXXX Balance : {$0.00} Account Name : : XXXX XXXX XXXX Account No. XXXX Balance : {$460.00} Account Name : : XXXX XXXX Account XXXX. XXXX Balance : {$0.00} I would like to say first of all that this is a formal complaint against XXXX, Experian, and XXXX. For the last XXXX months, I have disputed the accounts stated above to the credit bureaus and the debt colletors to ask for a reasonable investigation of the accounts. For the very reason that these accounts are reporting inconsistently in all three bureaus which has caused me distress because I couldn't get approved for credit. 

I have asked the credit bureaus to correct the reporting of XXXX XXXX XXXX. The date of last activity in XXXX  is reporting XX/XX/XXXX, while Experian is reporting XX/XX/XXXX. This information should be reporting the same in all bureaus correct? So how can they not correct this problem? If they can not properly validate these accounts, it should be fair that these problematic accounts are removed immediately.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Mortgage

I had to sue dovenmuehle mortgage for the rectless loan servicing scam they structured, in order for them to default me and foreclose on my property to steal the equity, as this loan servicer is a predatory loan servicer criminal organization. see attached to complaint. they tryed to foreclose and default me for over XXXX years, even though my mortgage and addiotional bills are been paid. this is part of there criminal actions and discrimination against my household.
Product: Credit reporting or other personal consumer reports

Date XX/XX/2021 amount is {$0.00} it was paid and terminated by default and the company still put it on my credit report! company XXXX XXXX XXXX phone XXXX!
Product: Credit reporting

I used the Equifax online system to request a temporary lift to me Security Freeze on XXXX XXXX, 2016. The fee for this service is {$10.00} for which I supplied a credit card. The Equifax website returned an " Error '' page at the point of payment. When I received my credit card statement, I found that I had been charged {$10.00} twice for the same transaction. Trying to reach Equifax by phone is almost impossible. They do n't want to talk to you. They do n't make it easy to find a number other than their " Automated '' system numbers. After searching for a " live person '' number I called XXXX XXXX XXXX. I wasted a lot of time on hold then wasted more time speaking with an agent at a call center in the XXXX and her supervisor. They are the " flak-catchers '' and are there to waste your time and wear you down. They have no authority or capability to help you. They were difficult to understand and were of no help. I finally got them to transfer me to Equifax in XXXX and then of course, I was hung-up on. Before the transfer, the number I was given to reach a " live person '' in XXXX at Equifax is XXXX XXXX XXXX. When you call this number you find it is an " XXXX '' system, not a live person so you have reached a dead-end they way they want you to. So Equifax has taken my {$10.00}, wasted a ton of my time and given me no refund. The customer service experience that is the equivalent of waterboarding.
Product: Debt collection

This fake bank of america keeps texting me about closing a bank account that doesn't exist, it keeps happening and it's very annoying.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XX/XX/XXXX XXXX  XXXX {$570.00} XX/XX/XXXX XXXX XXXX {$4000.00} XX/XX/XXXX XXXX XXXX XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Hello On XX/XX/2020 had a purchase at XXXX XXXX, They supposed to wrap my car, after short time I have decided to do it, because the car was leased The Merchant has returned the full amount ( XXXX ), The credit card company didnt resolve the issue yet .I have uploaded sale receipt and return receipt
Product: Credit card or prepaid card

Hi I got my statement for XXXX with the amount of {$35.00} for interest and fees.. which on XX/XX/21 I paid my full amount balance.. and now I got this statement. And I call my credit card to resolve this issue but they told me that for my account to be XXXX balance is to paid this fees.. thats a rip off for this company to charge customers for accounts that are paid off
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. 

I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, XXXX placed a fraud alert on my credit report without my consent. Ive tried to remove this alert from my credit report, over the phone with this company, but they said I was only able to get this issue resolved either through mail or online.
Product: Credit card

Dear CFPB, I am writing to file a follow-up complaint against American Express regarding persistent issues with my account, following my previous complaint ( CFPB XXXX No : XXXX ). Despite American Express 's assurance that they had successfully delinked the incorrect card from my account ( response letter attached ), I continue to experience problems that suggest my account is still linked to another individual 's account. The key details are as follows : XXXX. On XX/XX/year>, I discovered that a new address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ) was reported to XXXX. This address does not belong to me and I have never lived there. 

XXXX. Upon contacting XXXX, I was informed that this address was reported by American Express. I immediately contacted American Express customer service, who, after investigation, admitted that this wrong address was somehow automatically updated by their system.

3. I requested American Express to fix this issue by changing my address back and removing the incorrect address from my XXXX credit report. I was led to believe this was done. 

XXXX. However, on XX/XX/year>, I received another alert from XXXX stating that my address had again been changed to the same incorrect address ( XXXX XXXX XXXX XXXX, XXXX WI, XXXX ). 

XXXX. I had to contact American Express customer service again, explaining the situation once more. 

XXXX. As of today, XX/XX/year>, upon checking my XXXX credit report, I found that this incorrect address still has not been removed. 

These persistent issues indicate that despite American Express 's assurances, my account is still not properly delinked from someone else 's account. This situation has caused me significant stress and wasted considerable time, as I've had to repeatedly deal with these issues.

I have made numerous attempts to resolve this internally with American Express, but the issues continue to recur. This ongoing situation has put my financial standing at risk through no fault of my own and has caused significant inconvenience and stress.

I hope the CFPB can intervene to ensure American Express takes decisive action to permanently resolve these issues and provide appropriate compensation for the troubles I've endured.

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation. 

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

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BK OF AMER XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I received a bill from CMRE for an ER visit which was paid directly to the doctors office by my insurance company. I informed CMRE that this bill was not valid and requested that they send it back to the original biller to submit an accurate bill. I informed them via certified letter within the 30 day window that the biller they are collecting for XXXX XXXX XXXX XXXX XXXX has never sent me a bill for the date of service in question and that I have an EOB from the insurance showing that they were paid directly by the insurance company
Product: Credit card or prepaid card

back years ago, I believe in XX/XX/2013 there was a charge of over XXXX that I did not authorized. I kept paying card anyway because I did not want my credit to go down hill. I was paying over XXXX in interest alone and could no longer pay it. so I tried everything to try to get it fixed and I could not get it done. so I stopped paying it. I had no choice. I am still today, dealing with being turned down for low interest cards because of it. it is removed off of one of the bureaus but not on all of them. again I was turned down yesterday and it needs to be removed from all the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX, this account is a charge off account. 

This is a violation of 15 USC 1681 ( e ) ( b ) which states 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. 
I never received a 1009-C form for the cancellations of debt which is a violation of 15 USC 1681 ( e ) ( b ).