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

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.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXXXXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report to XX/XX/XXXX Experian and XX/XX/XXXX that I have an open account with XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does NOT belong to me. I have filed a Fraud Affidavit with regards to this account. I have contacted XXXX XXXX as well as sent letters to the credit bureaus disputing the validity of this account and have requested multiple times that this account be removed from my credit report. ( I have attached a copy of the Fraud Affidavit for reference. ) It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

FOR XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FOR TRANSUNION XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

Prestige Financial Services Administration will not provide me a financial hardship assistance as my Dad passed away recently and need funeral expenses as he didn't have life insurance. 

I respectfully request Prestige to provide me a deferment and extension and Prestige Rep.Mr.XXXX XXXX stated that company can not extend my XXXX XXXX payments until XXXX XXXX. 
So l can make a total payment of {$840.00} on XXXX. 
Prestige stated by email that a 30 days late payment will be reported to XXXX, XXXX and XXXX credit report agencies to damage my credit as they have done already I am respectfully a requesting and not demanding I have filed many Federal government complaints against Prestige Financial Services. 
I will ask President Trump and Congress to support me on Prestige issues. 
I am respectfully XXXX XXXX, Retired and a US XXXX XXXX Military Veteran. 
Prestige makes billions of dollars and they can not support our Military Veterans and all Citizens in the Community on family death emergencies? 
As far extending payments. 
Now, Prestige will destroy my credit by reporting 30 days late to credit bureaus. 
Urgent matters!
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$300000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$32000.00}.
Product: Checking or savings account

I was notified on XX/XX/2022 from XXXX asking if I opened up a capital one account. I informed them no. Then we both called Capital one 360 on XXXX XXXXXXXX XXXX informing them that the account was fraudulent. They admitted transactions were completed but would not tell us what. Then the XXXX agent asked if I was liable for any funds and the representative from Capital one said no. I received a bank statement today stating the account is in a negative balance of XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message reaches you in excellent physical condition. 
I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore.

1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Product: Credit reporting or other personal consumer reports

Firstly i would like to make it clear that this account is reporting as charged off and the debt is now considered a CERTIFICATE OF INDEBTEDNESS and is now also considered income WHICH SHOULD NOT BE REPORTING ON CREDIT REPORT. I am writing to request a detailed and accurate accounting of my debt, which is currently being managed by your company. As a debtor, I believe it is my right to have access to precise and transparent information regarding my financial obligations. To ensure the integrity and clarity of the financial information provided, I kindly request that the accounting of my debt be conducted in accordance with Generally Accepted Accounting Principles ( GAAP ). This will help ensure that the financial statements and records are consistent, comparable, and reliable. 
The details of my account are as follows : 1.AccounXXXX Number : [ Your Account Number ] 2.Original Creditor : [ Original Creditor 's Name ] 3.Date of Debt Acquisition : [ Date ] 4.Current Balance : [ Current Balance ] As a federally protected consumer I am now opting out of any and all authorizations, I the consumer may have given written, unwritten, verbal and non verbal per 15 USC 6802. Due to the misinformation reporting on my credit report it is hindering my family and I because I am in the process of buying a home.
Product: Debt collection

Dont recognize this account. Continuing to keep disputing under the FCRA with no response from the collection company
Product: Mortgage

I filed claim XXXX identifying the principal and interest amount used in my appeal for the denial of a home loan modification was incorrect. The response that Well Fargo provided still listed the incorrect information. I am attaching documents which will confirm my original complaint. Attached you will find : 1 ) Denial letter from Wells Fargo dated XXXX XXXX, 2017 ( 4 pages ) ; 2 ) Appeal request form dated XXXX XXXX, 2017 ( 1 page ) and related attachments, [ description of reason for appeal ; Net Present Value Input Data Values -- please note # 16 that describes the product as " Fixed-Rate '', which this is a " Pick-A-Payment '' loan, and # 22 which list the Principal and Interest amounts incorrectly ; and remaining pages are Mortgage statements that I have received from Wells Fargo that verifies that the amount of {$3900.00} does not include principal ]. As I have continued to state, and is verifiable by the statements that I have received from Wells Fargo, the  Principal and Interest amount at the time I filed for a Loan Modification was : {$5200.00} ( Principal amount : {$1000.00} ; Interest amount : {$3900.00} ) NOT {$3900.00}. This has been an ongoing issue for the past 5 months. Hopefully with the attached documents, Wells Fargo will be able to recalculate the NPV using the correct information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX This account was disputed on XX/XX/XXXX This account is now in violation of FCRA 623 ( A ) ( 3 ) notice of dispute. The notice of dispute was never inputted within the first 30 days of the dispute. 

Second dispute was submitted on XX/XX/XXXX for XXXX being different on all three bureaus. XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and equifax XX/XX/XXXX The account was disputed a third time for payment history on XX/XX/XXXX for continued payment history after the account has been closed. There should be no payment history on a closed charged off account.
Product: Debt collection

For 20 years, I have been accused, harassed, and threatened from XXXX in regards to a Student Loan dated XX/XX/year>. I have attached my Student Loan account from XXXX XXXX XXXX. There is NO RECORD of any Student Loans on File - there are no DISBUSEMENT 's of any Student Loan Funds recorded on File - PLEASE SEE ATTCHED DOCUMENT from XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Customer service will not provide an explanation of exorbitant ( over XXXX ) fees. I have made numerous requests for a statement of how and when my payments are posted and how the fees were calculated. This company is violating my rights as a consumer. This issue has been ongoing since I bought the vehicle in 2015. The dealer did not give me any other financing options. They rushed me through the process and led me to believe Ally was the only finance option I had. I feel that this was a violation of the TILA and will seek damages if this is n't resolved in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute letters on 2 separate dates. I have not receive a response from any bureaus. This doesn't make any sense. The way the bureaus operate is out control. This is a very stressful. The dates I sent letters on XX/XX/2021 and XX/XX/2021. Thats over 90 days. They have 30 days to respond.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX, Acct Number XXXX XXXX XXXX, Account Number XXXX and XXXX XXXX, Account Number XXXX have all 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 states that a Consumer Reporting Agency can not furnish an account without my written instructions.

I have reached out to each company via certified letter and asked that they provide me with the original contract or signed statements within 30 days of receiving my certified letter. I have not received any original contracts or anything else from either company and I have given them over 45 days. I have receipts from the United States Postal Service that verify that each company reeived my letter.
Product: Credit reporting or other personal consumer reports

I have reached out to all 3 credit bureaus and they have given me the run around I have sent in my FTC report, in months ago here are the accounts and Inquires that need to be removed immediately. 

Account Name and Account Number 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXX  XXXX Balance : {$2100.00} ; XXXX  XXXX Balance : {$15000.00} late will be removed.
Product: Debt collection

About XXXX XXXX years ago I opened an account with qvc. About a month ago with no notice no validation no communications they shut down my account... .my purchases were paid by my personal credit card. When I questioned why I was shut down they qvc stated that I owe a balance of XXXX with synchrony bank from 2017 ... to contact the collection agency XXXX...... I contacted the collection agency and they no longer have this account. When I informed qvc of this they stated that I can no longer shop at qvc and that im barred and that synchrony has written off the account. Before the shut down on my account I was paying on my purchases ... as explained never got any validation of this XXXX debt with synchrony ... this is on my credit report and would like it to be removed it is a degrotory remark ... .because my account was shut down and still paying on purchases I can not access my account... I still owe around XXXX ... .because of not being notifies of the shut down on my account and I still liable for the remaining balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 120 days past due on the USD/GLELSI account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

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 ATTACHED ARE MY ID THEFT REPORT & IDENTITY VERIFICATION ( PASSPORT & SOCIAL & UTILITY BILL )
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Early Warnings reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Address Update Request First and foremost, I demand that you immediately update my address to : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX. ONLY! 
Contact Information Removal Remove all previous contact numbers associated with my account as I do not have a contact number at the moment. 

Email Update Remove ALL existing email addresses and update it to : XXXX ONLY! 
Negative Accounts Removal I am formally disputing and demanding the immediate removal of all negative accounts associated with my profile, specifically : XXXX XXXX  XXXX  ( Acct # : XXXX ) XXXX XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) XXXX XXXX ( Acct # : XXXX ) These accounts have not been reported in accordance with the FCRA, specifically under FCRA Sections 605 ( a ), 607 ( b ), and 623, which regulate the reporting and accuracy of negative information. As per my rights under FCRA 611 ( a ) ( 1 ), I request a thorough investigation into these accounts and their immediate removal if inaccuracies are found. 
Inquiry Removal Furthermore, I demand the removal of the following unauthorized inquiries from my XXXX report, based on my rights under FCRA 604 ( a ) ( 3 ) concerning unauthorized access to my credit report : 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 The inquiries listed above were conducted without my authorization and violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 and FCRA 606.

These accounts listed above have resulted in several fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections and inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX XXXX {$18000.00} XXXX XXXX {$6800.00} CHAPTER XXXX BANKRUPTY DISMISSED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX
Product: Credit card or prepaid card

I purchased the flight tickets for my parents from XXXX to XXXX and XXXX to XXXX through XXXX XXXX XXXX. My parent 's return flight was on XXXX XX/XX/2020. My parents visited me on XXXX  XXXX. Now when the return date was coming near, I called XXXX XXXX to confirm whether they are still operating or not due to COVID situation. The response which i got from them is they are still operating but they are operating under the special flights called as " XXXX XXXX XXXX '' and the will not honor my current return ticket and i have to purchase the new ticket which was priced 2 times of my return ticker, they also refused to give any credit and they told me that i can wait for normal flights to be a resume which they don't know by when, because my parents XXXX and XXXX issue they needed to return back sooner, so i asked XXXX XXXX that will they allow the unused ticket to be used later and they told me that yes they would but for same passenger and same flight number and the same location which was not practical at all. Finally, I bought the new tickets with XXXX XXXX. Now because I have not my original ticket and also not getting a refund or credit, i asked American Express to dispute the transactions, and American express came back with the response that i bought through the travel agent and they can not dipute and return my money back, i disputed it two times explaining that to me its fraud where the XXXX XXXX is still operating under the same name and still did not honor my purchased ticket due to increased demand and ticker price, and also not refunded it. 
Also, XXXX XXXX or travel agent is not responding to my emails or phone calls in this matter.
Product: Credit card or prepaid card

My husband called his Sears Credit card approx. XX/XX/2018 to make a {$17000.00} payment to our credit card. 
He authorized the payment to be exactly {$17000.00}. On XX/XX/XXXX ACH Sears made a withdrawal of {$17000.00}. 
This overdraft of {$160.00} caused my account to go into a negative balance and I was charged a {$30.00} service fee from my credit unioXXXX. 
I had my husband call today XX/XX/XXXX to find out why Sears made a larger payment than what was authorized and he was given a lame excuse that since the actual charge was done days later there was interest that was accrued on that account. They refused to issue a check to cover the {$160.00} or the {$30.00} service fee. Instead they offered to put the {$160.00} back on the account. I am deeply disappointed that Sears would do this to us as customer that has more than 11 years of a relationship with them.
Product: Credit card or prepaid card

An account opened for a card in my name at the Target store appeared on my credit report, a card that I never requested or asked for. In the city where I live there is not even that chain store
Product: Credit card

I am deluged by credit card offers from Capital One. This unwanted junk mail is a source of great irritation and needless inconvenience as I have to shred the unwanted solicitation. And this continues despite having requested the Credit Bureaus and Capital One to have my name removed from such solicitations. I would like CFPB to impose harsh penalties on such banks who refuse to comply with customer requests to cease soliciation
Product: Debt collection

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the XXXX  major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports that my information was part of a security breach. I 've had some sketchy emails that are coming through my spam filter lately asking for some personal information could be used for identity theft.
Product: Credit card or prepaid card

I WAS CHARGED FROM A COMPANY THAT I NEVER DID BUSINESS WITH AND I HAVE NO IDEA WHO THEY ARE. I CONTACTED DISCOVER CARD AND THEY TOLD ME THEY COULDNT HELP ME BECAUSE I DID MAKE THE TRANSACTION WHEN I DID NOT. THEY ACCUSED ME FOR THIS CHARGE AND TOLD ME THAT I AM JUST TO OLD TO REMEMBER. HOW DARE THEM SPEAK TO ME THAT WAY. I NEVER DID BUSINESS WITH THIS COMPANY. THE COMPANY NAME WAS XXXX XXXX XXXX AND THEY CHARGED MY CREDIT CARD XXXX ON XX/XX/13. PLEASE HELP ME GET MY MONEY BACK. THIS IS SENIOR CITIZEN ABUSE
Product: Credit reporting or other personal consumer reports

I think someone is using my social security # and open a XXXX XXXX credit card and now is delinquent and is affecting my credit report This is not my answer it has never been XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX