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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXX  XXXX Balance : {$30000.00}
Product: Payday loan, title loan, or personal loan

Received something in mail saying that XXXX XXXX did something illegal and I would just like to get this matter settled soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX c/o XXXX XXXX XXXX, XXXX XXXX Pennsylvania [ XXXX ] To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your reinves-tigation.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXXXXXX XXXX XXXX. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXX XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Credit card or prepaid card

I have a credit card that accidentally went late with synchrony bank I missed a payment. They then would not take the past due but wanted to collect the whole balance and then would not work with me on payments. They had a 3rd party contacting me for collections and were contacting me themselves as well. I have numerous store brand card thoigh them. Only one went past due. They have now closed all of my accounts that had no balance and lower each limit on my other accounts through them as I pay on them on a regular basis. Due to one brand going past due they are now applying that to all of my credit cards in punishment. I want them to prove to me under the fair debt act that they dont have accounts open with other at the same credit score. They have also put this against my wives credit cards open through synchrony bank as well. This is unacceptable and not allowed per regulations. I want my credit cards put back to where they were and reopened as I have never been late nor have I missed a payment with any other cards with synchrony bank.
Product: Payday loan, title loan, or personal loan

I applied for a title loan but had planned to pay it off before the first payment. That was not possible so I made the first payment. I was not given a copy of the agreement but was told I could get it online. I tried for several weeks to do this and it was not available. I went directly to the office to get a copy. I subsequently discovered that as a surviving spouse of a veteran that I should not have been charged such a high rate of interest. I also did not realize that all payments would go directly to interest for many months. This was not disclosed to me in person. 
The company is TitleMax.
Product: Debt collection

Collection Agency has not provided validation Information under 12 CFR 1006.34 ( b5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( cH4 ) I ) Collection agency is violating your consumer rights by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 
ACCORDING TO THE FCRA IT IS A VIOLATION. 

CCBXXXX I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEASE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Checking or savings account

I am no longer living in the USA. I have {$38000.00} remaining in an account at Wells Fargo that I need to transfer to my new account abroad. They refuse to raise a {$5000.00} online banking daily transfer limit. The only way they say I can do this transfer is by going into a branch which is obviously not an option. They are doing this so that they can repeatedly charge me wire transfer fees for multiple {$5000.00} charges. I have been trying to get them to raise this limit for 2 months now. They are holding my money hostage!
Product: Debt collection

I sent an conditional acceptance letter to XXXX on XX/XX/year> I am writing to file a formal complaint against XXXX Funding for violations of the Fair Debt Collection Practices Act ( FDCPA ) related to the inaccurate and misleading debt collection practices currently reported on my credit reports with XXXX and XXXX. 

XXXX. Violation of FDCPA 812 ( a ) : XXXX Funding has violated FDCPA XXXX ( a ) by unlawfully designing, compiling, and furnishing forms that create the false belief that a person other than the original creditor is participating in the collection of a debt. This deceptive practice has resulted in the inaccurate reporting of a debt on my credit report, leading to substantial harm and confusion. 

XXXX. Impact on XXXX : The false information provided by XXXX XXXX has hindered my ability to obtain credit, as the inaccurate reporting is reflected on both my XXXX and XXXX credit reports. This has led to multiple denials of credit, causing financial distress and damaging my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to sagestream asking them to freeze my account and they never respond. I sent out a letter and I also filled out app online to freeze credit but still no response
Product: Debt collection

On XX/XX/20 after MONTHS of trying to reach National Credit Service ( NCS ) I was finally able to get someone on the phone to make payment arrangements. At this time they informed me that my account would be in delinquent status unless I pay the loan off in full for {$20000.00}. I am unable to do this so I started payment arrangements. I called again on XX/XX/20 to see if I could get proof of my payment plan including information on if my payments are going to interest or principal etc. I was informed that they could not tell me but could send out a paper showing my payment and they referred me to look at XXXX for information. I again asked if my payments could change the status of the account and was told that I would have to pay {$20000.00} to change the status of my loan. I was able to log onto XXXX and I can see that my balance is {$17000.00} to pay the loan in full. NCS is being deceptive to exhort additional funds from me against my remaining balance. This is obviously unfair collection practices and fraudulent actions on their part. The Department of Education gave my loan balance as {$13000.00} as of XX/XX/20 with NSC trying to collect a {$3000.00} fee and interest on top of that. NCS 's deceptive actions leave me no choice but to report them for this to be resolved. Their poor ethics, terrible customer service and unfair practices leave no room for anyone to pay down a loan. The payments that I am making are going ONLY to NCS fees and not even toward my loan balance. This needs resolved immediately.
Product: Debt collection

On XX/XX/year> I contacted the company ( Key 2 Recovery Inc ) and was advised that do not send verification of debts. Additionally, the representative claimed the debt is 100 % mine although she did not allow me the opportunity to review any documentation. This is misleading and a tactic to enforce me to pay.
Product: Credit card or prepaid card

I opened a prepaid business credit card with XXXX XXXX XXXX in XX/XX/2018. My initial deposit was {$500.00} for a credit limit of 90 %, which is {$450.00}. I made subsequent deposits inside a branch on the following dates : XX/XX/XXXX added {$250.00} XX/XX/XXXX added {$50.00} ( I was told by branch manager limit should become {$800.00} today ) XX/XX/XXXX added {$500.00} Today, I returned to XXXX XXXX XXXX   at XXXX XXXX XXXX XXXX XXXX, Tx XXXX. The branch manager didn't even acknowledge me, even after speaking with each other last Thursday XX/XX/XXXX. My credit limit remains at {$450.00} and no one can tell me where the other money is! 
I spoke to XXXX XXXX. She called the business credit card department in XXXX Alabama. She was able to send an email to an underwriter. We agreed to send a hand written letter to the underwriter. No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

My loan agreement states I bought add ons which I didn't know of. It also has extremely high interest rate. I feel like I keep paying and I'm getting no where. They never give me a real pay off amount on my statement they say you can ask for a pay off amount at any time and my monthly statement does not tell me where my payment is being applied to
Product: Credit reporting or other personal consumer reports

These inquiries do not pertain to me, nor do I have any association with the mentioned creditors.
Product: Debt collection

I received my credit reports and observed Santander Consumer USA as a listed debt with a XXXX   balance on all three of my credit reports ( XXXX, XXXX and XXXX ). XXXX reflects that  {$3200.00} was written off ; however, XXXX or XXXX does not reflect a charged off dollar amount. I do not recall this account ; therefore, I mailed a certified letter, XXXX XXXX XXXX XXXX XXXX to Santander Consumer USA on XX/XX/2020 and per the United States Postal Service tracking website, it reflects that Santander Consumer USA received my validation letter on XX/XX/2020. To date, I have not received a response nor any validation of any sort from Santander Consumer USA and this is quite frustrating. They are placing a negative account on all three of my credit reports but won't provide any documentation or response of any kind to support this debt belongs to me. They have had more than 30 days to respond to my certified letter.
Product: Checking or savings account

Between XX/XX/23 and XX/XX/23, PNC Bank and XXXX XXXX XXXX XXXX XXXX allowed mobile deposits of stale dated checks and checks that had previously been cashed to clear from my business debit account. The stale dated checks totaled {$7300.00}, and the double-cashed checks totaled {$4000.00}, which makes the grand total {$11000.00} by my calculations. XXXX XXXX XXXX  worked to dispute and return the double-cashed checks, but PNC told them that they refuse to return the stale dated amounts since they weren't fraudulent. These checks were generally between 1-2.5 years old, there were nearly 60 checks in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX/XXXX  XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX/XXXX XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX/XXXX XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL.

Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter.

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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX1 XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX : {$370.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX Balance : {$170.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXX XXXX XXXX : {$300.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX : {$370.00} XXXXXXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$300.00}
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 Consumer # XXXX Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # 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: Debt collection

Capital One Account has been charged off and written off. There is no contractual agreement with the creditor and I the consumer as the debt does not exist in accordance of the write off. I request proof that debt is owed and that all documentation has been provided to the IRS in accordance of the charge off- written off account that Capital One has reported consistently to my consumer report. I request proof that the account is charged off, proof that it is written off as all parties will be held responsible for falsifying and furnishing my consumer report inaccurately. An account/ Income can not be reported to a consumer report as indicated pursuant to FCRA on what can and can not be reported. If a debt is cancelled/ charged off there shall be proof of the information provided to the consumer for the purposes of the consumer accessing and filing that information on a federal income tax. I demand XXXX complete a thorough investigation of this matter and request information from XXXX to whom they have corresponded with within this investigation the parties name and address, time and date and proof of the documentation from the IRS ( cancellation of debt ) that proves the account is in fact charged off. I am attaching to my consumer report for the purposes of capital one practices in falsifying information.
Product: Credit reporting

Banks that listed that I have n't banked with open mortgage loan in a different state that I never lived in accounts opens to different store that are charged under my name
Product: Credit reporting or other personal consumer reports

This CEPB comolaint ha been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the fraudulent, inaccurate, and false information. XXXX accounts nave meuited in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer rico credit report maintained by you wnich shows the atorementioned traudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as eported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquines are the result of identity theft and fraud.