23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC ACCT : XXXX Amount : {$570.00} This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my partner started complaining of cold-like symptoms that may or not have been COVID-19 related. Deciding to be cautious, we decided that we would like to cancel our SCUBA-diving trip ( scheduled for XX/XX/XXXX ). I emailed XXXX XXXX XXXX on XX/XX/XXXX about the issue and asked for a refund XXXX {$290.00} ). I received no response from XXXX XXXX so I called again on XX/XX/XXXX and spoke to an employee who said the owner was busy but he would convey my message. I again received no response from the owner until weeks later after I filed a credit card dispute with HSBC. The owner essentially called me a low-life and asked me to refer to the service agreement. I did refer to it, and it doesn't include clauses for COVID-19, which is understandable! This is a difficult and unprecedented time for everyone. We are a military family, not trying to XXXX anyone. 

We thought that given the circumstances of COVID-19, the owner of the dive company would at least attempt to provide us another date to dive, if not provide a refund. The alternative would have been going on a dive boat while I partner was feeling sick and freaking everyone out and possibly getting them sick! 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. HSBC simply responded it would look into the issue and contact me. I never received any contact from HSBC almost four months after the fact. 

My partner was tested for COVID-19 on the earliest possible date she could, XX/XX/XXXX. The results were sent to XXXX XXXX XXXX and HSBC. I submitted my emails to XXXX XXXX XXXX ( which I never received a response to ) to HSBC as well.
Product: Debt collection

Debt Recovery Solutions also known as DRS has been reporting a balance of {$1700.00} on my credit reports for a payday loan that originated from XXXX XXXX. Ive told them repeatedly that this debt does not belong to me. Ive ask for debt validation/verification on multiple occasions and they have yet to send me the information. Ive spoken with and did disputes only to get no results because the are not verifying the debt with the creditor 's but rather third party agencies. After many complaints about this strategy they recommended that I file this report.
Product: Checking or savings account

After Closing my account due to theft from an unknown party, capital one has failed to provide me with the money that was stolen from me on XX/XX/. on said date, my capital one 360 debit card was stolen at an unknown location presumably a store i went to that day and my ATM card was used to take {$320.00} out of my account. i have filed a police report, and even explained to capital one how i was a victim of theft earlier on, when i had originally filed a claim with them to get my money back. my claim has recently came back denied, and when i asked the customer service representative to furnish me with the documents or proof they used to make this decision, they had abruptly said thank you for calling capital one have a good day sir.
Product: Credit reporting

I have worked feverishly with XXXX XXXX Bank to get this account back to positive status. After getting this account out of the negative status. I called the credit bureaus requesting the process for updating accounts. I was told they update accounts as soon as the creditor reports the change. I was told by the credit bureau that I would need to contact the creditor. I called the creditor twice receiving the same information. The creditor advised my account information was updated on XXXX/XXXX/2016 with all XXXX credit bureaus. However, only XXXX and XXXX have updated this account. Equifax continues to state they are waiting for a update from the creditor. As a consumer I feel that this is unfair. As a matter of fact, my credit report reflects no updates since XXXX/XXXX/2016. When there have been various changes to my report. I am asking for assistance with correct reporting to consumer reports. If this was something negative they would not hesitate to report the negative information!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX XXXX XXXX XXXX who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within XXXX days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing XXXX  days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - XXXX liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX about a collection they put on my report via certified mail on XX/XX/2022. I sent a verification/dispute letter. I have yet to receive any response from XXXX XXXX XXXX  to this date. I also sent a copy of the original verification/dispute letter to XXXX via certified mail on XX/XX/2022 with a copy of the original certified mail receipt. They continue to report these inaccuracies on my credit profile. Also Im still yet to receive a response from the creditor in any form. Please assist me with getting this account removed/deleted. I feel this is an illegal practice on there end and they are violating federal and state law. Per Iowa law the creditor has a 30 day window to respond to my dispute. They have failed to do so in 2 separate dispute encounters which resulted in the removal of the account. This account out of the statute of limitations for reporting, I recently checked my profile and they have added the account back to my credit file for a second time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I notice an account from WELLS FARGO BANK that I believe is not being reported correctly on my credit report. On XX/XX/2020, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2020, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that WELLS FARGO BANK is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for over a year with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report XXXX from Alliant Credit Union on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was breached in Equifax data breach and I was contacted by a debt collector that I have never done business with so decided to research it some more. I had all my reports pulled and realized there is multiple accounts that don't belong to me. I filed a police report, an identity theft report, contacted the companies, and filed disputed with all 3 major bureaus with supporting documents sent to them. They have not fixed the problem and I should not be held liable for accounts that don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to extend myself a credit card through XXXX XXXX followed by XXXX XXXX. They both denied me due to incorrect information supplied to them unlawfully from the Credit Bureaus ( XXXX, Equifax, XXXX, XXXX XXXX ). During times like these i should be able to use my own credit to take care of personal essential needs for survival. I contacted the bureaus weeks ago and got no response at all for help in fixing these issues.
Product: Debt collection

Merchants Credit reported to XXXX a collections debt that was not mine without ever contacting me to verify if the debt was mine.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$8700.00XXXX XXXX XXXXXXXX Balance : {$53000.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the collection company about this account being fraud XX/XX/2021 there was an derogatory mark added to my account by TEK COLLECT I have no dealings with them I have no debts someone used my name to create fraud the worker hung up on me when I asked questions regarding the account Motion Remedy Claim for Damages In Re : Pub Res No. 10 Pub Law Ch. 48, 48 statute 112. Pub Law 73 10. HJR 192 ; 31 USC 3123, 5103, 5312 ; 18 USC 8 ; 12 USC 411 ; 28 USC 1746 ; 42 USC 408 a8 penalty
Product: Credit reporting or other personal consumer reports

I have filed several disputes with experian about a debt collection on my credit report. I've disputed it several times and within days they tell me the account has been verified to be my account when it's not. The address attached to the account is a XXXX address. I live over XXXX half hours away. There is no way the have investigated that account. The company also refuse to update credit scores.
Product: Credit card or prepaid card

I made a purchase using my XXXX for uber one pass. The company says it doesn't qualify for terms they can not provide me XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a set of appliances with Home Depot in XX/XX/XXXXand have yet to received any indication as to when will my merchandise be delivered. I specifically asked a sales representative in store about the items purchased before purchasing if the items were in stock. I was told that if the items were available online that it is and should be delivered within a couple of weeks. I was going to place the order in-store however there was a few people ahead of me there fore I placed the order online instead on XX/XX/XXXX. Today, I still have yet to receive any correspondence from HD however, I have already received a bill due by XX/XX/XXXX for a payment of the purchased I haven't even heard from. Called HD and no time specific on when will the items be available. This totally breaks the special financing offer they claim to have if they are starting financing from the date of purchase and not from the date the item was delivered. What if upon delivery some of the items were damaged? Do I have to wait longer and keep paying?
Product: Debt collection

This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. 
GOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies currently charge consumers for a credit freeze. 

It is unconscionable that these companies use our personal information without consent, and do not properly protect the data in their care ( see the recent Equifax breach ), and then charge us to freeze our credit reports. 

All credit report freezes/unfreezes should be free, especially in the light of the recent Equifax breach that put 140 million people at risk of identity theft. Credit reporting agencies should n't be able to profit off of their own negligence by charging their unwitting and unwilling consumers for a credit freeze/unfreeze.
Product: Money transfer, virtual currency, or money service

A fake Xoom account was created. A fraudulent transaction was created on XX/XX/XXXX in the amount of {$1200.00}. When I called Xoom about the fake account, I was told the account would be closed. It was not closed. The fraudulent transaction was allowed to go through and my checking account was debited for {$1200.00} on XX/XX/XXXX. I never created a Xoom account. I never knew about Xoom until this fraudulent charge happened. I was never notified that a Xoom account had been created. I have never logged in to Xoom. I never created a Xoom account. The first email I received from Xoom was a notification of the transaction. This transaction appears in my XXXX account. I notified XXXX of the fraudulent transaction. I was told only Xoom can fix the problem because XXXX can't see the transaction in my XXXX account. Xoom is a service of XXXX. Due to the lack of security on the Xoom site, a fake Xoom account was created and my money was stolen. Xoom has been contacted many times about this fraudulent transaction and has not responded. Since Xoom is a XXXX service, I reached out to XXXX for resolution. XXXX refused to resolved the issue saying only Xoom can fix the problem. This is just wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I noticed that SELF/XXXXXXXX XXXX had reported an account on my credit report without my authorization. According to 15 U.S. Code 1681b, a consumer reporting agency may furnish a consumer report only with the consumers written consent. I have never provided written consent for SELFXXXX XXXX  to furnish or obtain my credit information. Despite this, an account appears on my credit report, and I am not legally responsible for it. On XX/XX/XXXX, I contacted SELF/XXXX XXXX and the credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX  to dispute this unauthorized account. I requested the removal of this account from my credit report, but it remains unresolved. I am seeking the assistance of the CFPB to have this unauthorized account removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid past due account with Midland Credit Management who then promised to delete the account from my 3 credit reports. 

They have not deleted the account. 

They haven't even marked the account as paid.
Product: Mortgage

I called SLS ( Specialized Loan Servicing ) and told them my income was reduced due to Covid-19. I asked if they have a Foreclosure Forebearance program. They said they would mail me some information. They never did. I also asked them who owned my loan and they refused to disclose it. They told me to write them a letter and ask who owned my mortgage and they would tell me in writing. I wrote to the address SLS provided asking who owns my mortgage and they never responded. When I log into SLS website they will not allow me to pay just my monthly mortgage ( {$900.00} ), they add on accrued late fees which brings the amount above which I can afford to pay ( {$1400.00}. ) The only way to pay just my mortgage ( {$900.00} ) is to send a check by mail which is slowed by USPS resulting in more late fees.
Product: Credit reporting or other personal consumer reports

I am filing this formal dispute to demand immediate corrective action regarding several issues with my credit report and the mishandling of my accounts. I have been a victim of poor identification practices and fraud, and I expect the CFPB to take urgent measures to address these ongoing violations. 

Fraudulent Capital Account : A fraudulent account was opened in my name with XXXX in XXXX under the account number XXXX XXXX XXXX XXXX. I did not authorize this account, and I have repeatedly reported it as fraudulent. This account continues to negatively impact my credit, and no sufficient action has been taken to remove it. 

Valid Account Closure Due to Identification Errors : In XXXX, I opened a legitimate account under the number XXXX XXXX XXXX XXXX, which was wrongfully closed due to identification errors. This needs to be immediately corrected. I demand that proper attention be given to the account numbers to resolve this issue without further mistakes. It is unacceptable that my valid account was closed while fraudulent ones remain unresolved. 

XXXX XXXX Account with Incorrect Address : There is a XXXX XXXX account appearing on my report linked to an address at XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, a place I have never lived. The only correct address where I have resided is XXXX XXXX XXXX, XXXX, XXXX, and I have been at my current residence since XX/XX/XXXX. I paid the {$67.00} balance on this XXXX XXXX account without fully examining my report, but this was not an account I opened. This fraudulent account must be removed from my credit report immediately. 

Hard Inquiries : All hard inquiries on my credit report must be removed, as I have since frozen my credit reports due to these fraudulent activities. These unauthorized inquiries have further damaged my credit, and their continued presence violates my rights. 

Experian has repeatedly failed to comply with my requests and continues to allow false information to remain on my credit report. This blatant disregard for accuracy and compliance with the Fair Credit Reporting Act ( FCRA ) is intolerable. I demand immediate corrective action and removal of all fraudulent accounts, incorrect addresses, and unauthorized inquiries. 

I expect this matter to be resolved immediately. Failure to address these issues will result in further escalation, including legal action if necessary. 

Please confirm receipt of this dispute and provide written confirmation of the steps taken to resolve these matters as soon as possible.
Product: Credit reporting

XXXX XXXX, XXXX, I call Equifax disputing old accounts from XXXX with them. I was told that this account had just been placed with them in XXXX, and it will remain on my credit history until XXXX. 
I believe that Equifax is doing some illegal activities. I also spoke to a supervisor and he said that I can not dispute those dates, and he quit talking, leaving me on hold for about five minutes until I hung the phone. These report should have been removed in XXXX, however Equifax renew it in XXXX for an additional seven years. 
Who would expect a company such as Equifax participating in the fraudulent deceitful reporting something got to be done?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX, XXXX is fraudulent on my credit Account # XXXX
Product: Student loan

Based on the option I selected, the 'error ' is that JPM Chase and the bureaus continue to report two unverified, invalidated accounts without providing original documented proof. I have repeatedly disputed these two student loan accounts with JMP Chase and they continue to come back via the bureaus stating that the accounts ' info is all accurate, valid, verified, and mine -- all without providing a shred of proof to back this all up. Since XX/XX/2018, I have constantly asked for the original instrument of indebtedness in its original form bearing my actual, wet signature. It has been about 7 months and I still have not received this original documented proof that the account is 'mine ' and 'verified '. XXXX, in particular, has even had the audacity to tell me over the phone that they do not have to provide proof to the consumer on accounts. Seriously??? If I do not get proof from the bureaus or the original creditors, then where in the world am I supposed to get this information? As a consumer, do we not have a right to see the proof behind these so-called " valid '', " verified '', " accurate '' accounts? I am outraged that I have not received this proof from Chase or the 3 major bureaus in months. I have been monitoring my credit and making sure all accounts are validated in order to remain on my reports. I am trying to do my due diligence, but these companies are deliberately hindering this process by not giving me due process. Moreover, they are violating the FCRA & FDCPA. I demand that Chase provide the original instrument of indebtedness in its original form bearing my actual, wet signature for the two disputed accounts. If they do not have this, then I in turn demand that they DELETE these two truly unverified, invalidated, inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax about the following accounts ; XXXX  XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$2300.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX Balance : {$4700.00} ), XXXX XXXXXXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$3300.00} ). Its been over 45 days since I sent this dispute and they have not answer as they are required by the FCRA.
Product: Credit card

Through Wells Fargo 's online portal, I paid the full outstanding balance owing on my Wells Fargo VISA on XX/XX/XXXX. This payment was made 4 days prior to the due date of XX/XX/XXXX for a minimum payment. 
Wells Fargo sent me an email stating that my payment was successfully made on XX/XX/XXXX. Wells Fargo then reported me to credit agencies as being 30 days late on the payment and revoked my credit card even though I have made every credit card payment on time since opening the credit card in XX/XX/XXXX. Wells Fargo now refuses to correct their error.