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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX XX/XX/2020 I have several accounts that are unknown or Fraudulent activity on it! I have requested that all of them froward me a copy of the contract and Itemized statement. There is some type of fraud on the entire account I am trying to protect the integrity of my credit profile. This is my official Police report on file. This is the third time I have requested the original contract and/or bill of sales, change of title of ownership. I have not received any thing that meets the standard of Section 609 E2 A1 Validation, Disclosure, [ 15 USC1681g ] of the Fair Credit Reporting Act. According to the provisions of Section 612 ( b ) [ 15USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off, is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under1319.12 Taking assignment of debts. FDCPA I fail to see where the following companies are following OHIO LAW. The following account are still unverified : XXXX  Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. I have enclosed all of the accounts If you do not remove this items in a timely matter I will file a law suit under section 617 under the color of the law. Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX  XXXX XXXX  XXXX  XXXX, XXXX  XXXX XXXX XXXX  XXXX I XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX  XXXX OHIO DEPT OF HUMAN SERVICES, OHIO DEPT OF HUMAN SERVICES OTHER  XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX OH XXXX Please remove the following addresses they are not mine : XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXXXXXX XXXX XXXX WV XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX My employer is XXXX  XXXX This is my only number XXXX All other telephone numbers are not accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with Experian. They closed it the next day saying it was accurate providing no documentation. Sent letter with info below.. Account was not mine. 

Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with XXXX XXXX XXXX , XXXX on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Product: Mortgage

My ex-husband is in the process of obtaining a home loan with Veterans United Home Loans to finance the home mortgage in his name only since it is currently financed only in my name. His mortgage company has requested I sign a form in order to get the payoff on the mortgage, which I originally refused to sign. The form is a standard form which also includes an authorization to release credit information. I stated the loan he 's applying for is not in my name, and they do n't need me to sign this. However, after many attempts at sending another form my attorney drafted, giving my verbal authorization, and leaving voice messages, I finally signed the form just so he would get the loan financing done and out of my name. However I do not feel the company should be requiring me to sign a standard form letter that does not apply. Please research and respond. Veterans United Home Loans - Loan # : XXXX, Borrower Name : XXXX, Loan Officer : XXXX ; NMLS XXXX ; ph : XXXX
Product: Credit card or prepaid card

Someone used my XXXX 's Capital One credit card number to purchase e-gift cards online over 2 days totaling {$1200.00}. They used my daughters maiden name as who it was being sent to. They created a whole new fake email account with my name to have the gift cards sent. I have disputed the charges 2 time and they said it was determined to be a " domestic situation ''. I have asked for them to send me proof of where the e-gift cards were spent and they have provided me with nothing. The last disputed letter said " After verification with the merchant ( s ) in question, we determined that the merchandise was delivered to your home address. '' I have received nothing by email or mail to my " home address ''. I refuse to pay for something I did not receive or order. It frightens me that someone has gotten access to not only my card number but my daughters identity. Capital One has not been receptive to solving this problem any further. If they looked at my purchase history, they would see that I hadn't used this card in years and have never purchased e-gift cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX my credit score went up on XXXX XXXX points from XXXX to XXXX and on XXXX XXXX my Equifax score went up XXXX points from XXXX on XX/XX/XXXX XXXX to XXXX on XXXX XXXX then my equifax score went down XXXX points on XXXX XXXX from XXXX to XXXX on XXXX XXXX no change then on XXXX XXXX my Equifax went down XXXX points to XXXX but it said they found no changes to my report on XX/XX/XXXX XXXX but on XXXX XXXX XXXX XXXX emailed and stated XXXX did a hard pull for XXXX XXXX which is now apart of XXXX XXXX  on my credit report they said XXXX was in the process of removing the hard pull from my credit and fixing the related impact to my score XXXX did remove the inquiry but they didn't restore my credit score back to where it was my score dropped XXXX points on XXXX XXXX from XXXX to XXXX all this happened after the inquiry they never fixed my score they added XXXX points to my score to raise it to XXXX i would like XXXX to fix my report back to where it was and i would like Equifax to restore my score and remove the collection on there from XXXX XXXX .. they keep saying its accurate and it isnt the account was opened in XXXX but they keep saying it was opened in XX/XX/XXXX i have proof that it was opened in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX and global lending service looked at my credit report without my permission. called the companies and they dont have my information in there system to verify that i approved them to look at my credit report its 2 inquiries in my report which im trying to get removed i out in a dispute with XXXX and they havent verified from the companies that i authorized them to get a copy of my credit report i sent XXXX  a letter asking them to remove the inquiries as well and have not heard from them i wrote the companies too
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Complainant : XXXX XXXX : XXXX XXXX XXXX, XXXX, GA XXXXSocial Security Number : [ REDACTED ] Case Number : XXXX Identity Theft Report Numbers : XXXX and XXXX Subject : Formal Complaint Regarding Identity Theft, Labor Trafficking, and Credit Reporting Violations To Whom It May Concern at the CFPB, I am submitting this formal complaint against the credit reporting agencies and data furnishers for failing to remove fraudulent accounts from my credit report and failing to update my personal information as required by federal law. 

I. Explanation of the Situation Victim of Identity Theft : I have been a victim of identity theft, with multiple fraudulent accounts opened in my name. Additionally, my walletcontaining my Social Security card and drivers licensewas stolen from my vehicle, further exacerbating my vulnerability to fraud. These unauthorized accounts and inquiries have negatively impacted my financial standing and credit score. 

Victim of Labor Trafficking : From XX/XX/XXXX to XX/XX/XXXX, I was a victim of labor trafficking, during which I was forced to work without pay and had no control over my financial affairs. Due to this exploitation, fraudulent accounts and inaccurate items were added to my credit report without my consent. 

Data Breach Impact & Failure to Protect My Information : I was also affected by an XXXX XXXX XXXX data breach, which compromised my personal data. Despite multiple requests to update my personal information and place fraud alerts, the credit bureaus have failed to act, increasing my risk of further fraud. Additionally, the credit reporting agencies have refused to provide the method of verification for disputed accounts, violating my consumer rights under federal law. 

II. Violations of Federal Law The credit reporting agencies and data furnishers have violated the following federal statutes : 15 U.S.C. 1681i ( a ) ( 6 ) Failure to provide the method of verification for disputed accounts.

15 U.S.C. 1681c-2 Failure to block fraudulent information upon request.

15 U.S.C. 1681b ( g ) Failure to properly safeguard personal data.

15 U.S.C. 1681s-2 Failure of data furnishers to ensure accuracy in reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reflects way too many hard inquiries, some are nefarious in nature. I have froze my account and advised them that someone has my Soc Sec and other info. Below is inquiries i did not solicit, and they sure did not show up on their own. Someone is looking to get credit in my name, and also affecting my credit. See below.. 

XXXX XXXXd Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ind Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX, inc Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX+ XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX+ Misc.
XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry fromXX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry fromXX/XX/XXXX +
Product: Credit reporting

XXXX XXXX. XXXX XXXX XXXX, GA XXXX Or XXXX XXXX. XXXX XXXX XXXX, PA XXXX Or Experian XXXX XXXX XXXX, TX XXXX XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX, XXXX SS XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit reports from Experian, XXXX  and XXXX  I noticed inaccuracies across all 3 in regard to account XXXX XXXX XXXX. After I noticed the error, I filed a dispute with Experian and sent a letter stating what was wrong along with a side by side comparison of all three credit bureau agencies. Experian then sent me a response stating the account was accurate, but I noticed the changed the date of first reporting along with deleting two years of history from the account. If the account was accurately reporting the first time according to Experian, then why did they update to the terms they have now, which are a clear violation of my rights as a consumer due to discrepancies on my report. To aid with my complaint I attached two different credit reports to assist with my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance XXXX {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

PORTFOLIO RECOVERY Company is reporting wrong {$300.00} amount unfair that they're reporting a new date for collection when they don't have original date of collection I did not get no debt from them on the date that they have advertised. Have not proven that I owe this amount to me I like to see original documents of that and original debt date of opening they keep putting new debt dates up that I did not receive or started our account on the date
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im not sure where else to turn. I tried to connect my citi Costco card to XXXX XXXX and tried to pay for dinner on XX/XX/2024, and they denied it and put a fraud alert on my card. I spoke to the fraud department, the said they couldnt verify my account when I told her I only had one telephone number connected with the account, then said they could not verify me and I will have to wait for a verification code. I never received anything in my email or mail. This was last Tuesday, they refuse to do anything else for me unless I give them access code. So Im never able to use my card again because I tried to pay for dinner? This is very confusing and I have no idea how to resolve this issue.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain hard inquiries listed on my credit report, which I believe were made without my authorization or without a permissible purpose under 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). 
The following inquiries appear on my Equifax credit report, and I do not believe they were made with my consent or for a legitimate reason : XX/XX/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 VA XXXX According to the FCRA, a credit inquiry is considered " hard '' when it is made in connection with a credit application and requires the individuals authorization. I do not recall authorizing these inquiries and believe they were made without my consent or without a valid permissible purpose.

Under 15 U.S.C. 1681b, any inquiry made without the required authorization or valid purpose is a violation of the law. As such, I am requesting that you investigate these inquiries, and if they are found to be unauthorized or lacking a permissible purpose, that they be promptly removed from my credit report. 
Please provide me with written confirmation of the results of your investigation, as required by the FCRA, within 30 days. If you need any further information to assist in your investigation, please let me know. 
Thank you for your prompt attention to this matter. I look forward to receiving your response.
Product: Credit reporting or other personal consumer reports

The credit score has decreased without any negatives added to the credit report. 

The other models for lending mortgage, credit cards, auto are even lower and unattainable. 

It list late payment there are no missed payments XXXX, XXXX, or XXXX and recent collections and there is nothing recent. 

Inquiries on the account are duplicate and unauthorized as I only do soft pulls and they need to be removed, along with the late pays, and disputed other accounts instead of leaving a comment of consumer disputed. 

The scores are being lowered also from what's displayed. 

I am so XXXX  by credit that I have a constant headache and XXXX XXXX. 

Next round I sue. It's been a long XXXX  years of dealing with this.
Product: Credit reporting or other personal consumer reports

Personal information leaked in data breaches and used to apply for credit, auto loans and bank accounts. Fraud alerts were placed and I attempted to freeze my credit reports with each credit bureau. Multiple attempts to access free credit report have been unsuccessful despite creating various accounts to log in to different portions of the websites. Attempts to access my reports on the free credit report website have also been repeated attempts to access reports have been unsuccessful. Since I am unable to login or monitor my reports, I can not dispute the incorrect information and thus my credit reports remain woefully inaccurate. It should not be this difficult to protect vital personal and financial records. 
This is particularly alarming as a victim of identity theft with active fraud alerts in place. Repeated attempts have been made by unauthorized persons to apply for credit, loans, work authorization and unemployment assistance using my personal information. I assume this will continue forever because thats where we are as a society so for the love of XXXX LET ME ACCESS MY INFORMATION AS PROMISED.
Product: Checking or savings account

We wrote a check in 2019 that never cleared our checking account. We contacted the company the check was written to 6 months after we wrote it and they said we did not owe them anything so we stopped accounting for the check. More than two years later our bank, XXXX XXXX XXXX XXXX received the check from the Bank of Oklahoma and paid the check without contacting us.
Product: Debt collection

I noticed on my latest credit report a collection account from this company but as of XXXX XXXX I have n't received any communication or verification of this debt
Product: Debt collection

I was looking at my report and notice there were some things that was not correct. You never reached out to the creditors and they are still on my report.I made a dispute to XXXX on XXXX XXXX and I called in and stated none of these accounts on my credit report were mine and inaccurate. The inquiries from experian on my credit report and didnt authorize you all to pull for every month since 2021 and I need you to stop now. You have never eIts been more than 35 days since the credit bureaus haven't responded.

That a violation of 15 USC1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.