23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX and XXXX - This judgement is not on either reports for XXXX and XXXX but it remains on Experian.It is invalid and can not be verified. I called the courthouse and they do not have this judgement on file with my name and address AND SSN. They even stated that they do not verify with credit bureaus anywhere. 

Sent to Experian 6 months ago : Judgment XXXX I am disputing the the type of public record and docket number. Please remove this item immediately because this does not match my records. Who did you verify this information with??? I talked to the courthouse and they stated that they do not verify with credit bureaus at all! And, If you verified with a third party, that is against the FCRA and I did not give anyone permission to do so. I have filed a complaint with the CFPB. Please see complaint attached.
Product: Credit reporting or other personal consumer reports

Recently I sent a complaints on my consumer report, on how I had inaccurate Information reporting! This account is keep updating INACCURATE INFORMATION and This is causing me harm and affecting my ability to purchase a house!

According to 15 usc 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates to.

And 1681i ( 5 )! 


PLEASE REMOVE THIS ACCOUNT SO MANY ERRORS REPORTING ON THIS ACCOUNT HOW IS THAT THIS ACCOUNT IS REPORTING AS A CHARGEOFF IN XX/XX/XXXX and was CLOSED SINCE XXXX of XXXX but still reporting ontime payment! Also in the comments section its reporting account closed by consumer but still reporting CHARGEOFF. 
Please remove from consumer report XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Complaint number XXXX Your response sent on XXXX XXXX I reject your response because I am certain your are committing identity theft fraud and violating the law at the same time. 
Please be aware this is my last complaint. Every individual every debt collector has to OBEY the law. This Business still has not provide original contract as requested, instead they are sending bank statements. This is not a contract. This company is attempting to do business with them. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this frivolous account on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent, which, you have used to create this debt on my credit report. Let me explain, if you have used my Name and any other personal identifiable information such as : a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. ( See United States v. Kuc, 737 F.3d 129, 134 ) " Pursuant to 18 U.S.C . 1028A ( a ) ( 1 ), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A ( c ), he " knowingly... uses, without lawful authority, a means of identification of another person. '' The statute defines the term " means of identification ''. To mean " any name or number that may is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [ or ] date of birth. '' Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this trade-line then i will drop my claim. You have 3 days to delete this frivolous account if you fail I will file a claim against your unlawful company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage with Chase. I started the loan in XX/XX/2020. I pay {$930.00}. 
I could not pay the mortgage in XXXX because the branch where I make the payments was closed during XX/XX/2020 due to COVID. Branch address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
I immediately paid XXXX 's payment in XXXX and the payments are up to date. I never missed the payment earlier. This happened due to COVID. This has impacted my and my wife 's credit score severely and I requested CHASE several times to issue goodwill adjustment letter to erase the late payment information from my credit reports. I request them to issue goodwill adjustment letter.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I ran an ad in XXXX to sell a restaurant table. I received a request from a person named XXXX via text, ph # XXXX. He said he would pay me {$400.00} for table, XXXX to go to a shipper. Yesterday I received a XXXX with a cashiers check from XXXX XXXX XXXX. I deposited the check into my checking account at Chase bank in XXXX CA at the XXXX XXXX and asked the teller if there was a hold on the check or if there was anything wrong with the check. She stated there was no hold and everything was fine. The sale was then cancelled and I deposited {$1500.00} into the shippers account : Chase bank, XXXX XXXX acct # : XXXX, checking and then was asked to XXXX XXXX the remaining {$300.00} to a XXXX XXXX from XXXX AZ, ph # XXXX or XXXX XXXX XXXX XXXX XXXX, XXXX AZ. 



When I went to check my statement this morning I learned the Cashiers Check was on hold and after calling the bank they said the check was being returned to the bank and would not payout the funds which means I lost {$1800.00}. My chief complaint is that when I asked the teller if the check was good she said it was, she never mentioned the slightest possibility that there would be a hold on it. If I was told that I never would have gone through with the transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

td bank XXXX XXXX XXXX..I 'm apply online td bank XXXX credit I'm working this bank almost 3 years I'm proof all personal information bank account documents salary documents I'm sent td personalfitloans.com and they don't accept my credit
Product: Checking or savings account

Chase froze and then closed all my accounts without notice in XXXX of 2023. I had been a customer for 4+ years. They would not say a reason other than compliance flagged my account. It was extremely stressful and time consuming to change my accounts. Since all my accounts were frozen I couldnt pay any of my bills until I moved to another bank.
Product: Credit reporting or other personal consumer reports

First Progress is in violation of FCRA. I've received an updated copy of my consumer reporting stating a 30-day late payment in XXXX. We're in the month of XXXX. 
The balance still had not been updated to {$0.00} as it still shows a {$330.00} balance on the account. 

There is no late payment for the month of XXXX on this account. Due for XXXX was XX/XX/XXXX a full balance payment of {$330.00} was made on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well. 

This is my second and final request to you based on your last response before I take it to court. I will not provide you with my personal information which you should already have a record of. 

I have never done business with your company at all. 

I have attached a copy of the 3rd time of my identity theft affidavit. I refuse to give you a copy of my driver 's license because the person who committed identity theft also had that information as well apparently. I'm not going to send a company that I never did business with my personal information. Remove this account immediately from my credit profile or there will be consequences.
Product: Credit reporting or other personal consumer reports

I was requested by XXXX a supervisor for XXXX and she stated if I sent the affidavit the account would be disputed and handled nothing like that I had to call and the agent told me that the file was rejected because of possible credit repair lab never got a letter or notification of this now XXXX will not process my request as also the same XXXX from innovis and XXXX from XXXX this is getting agravating and I am tired of the run arounds
Product: Credit reporting or other personal consumer reports

These credit card companies have been reporting my personal non public information without my written consent. This is a violation of my privacy.

- This is a violation of the Privacy act of 1974 and 15 USC 1681.

- Per the Fair Credit Reporting Act, as a Federally protected consumer, I am now opting out of ANY and ALL authorization I, the consumer may have given you, written or verbal per 15 USC 6802.

- These corporations does not have my consent to report my information.
Product: Debt collection

This debt is over ten years old. I believe it has passed the statuette of limitations. I believe this company is falsifying information to keep this account active. 
This was sold to this current collection agency. 
I tried to explain to this current agency I no longer owe this debt, and they argued I'm wrong. They claim that in XX/XX/2020 was activity, but I know only to disagree with it still being owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: XXXX XXXX XXXX Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX
Product: Credit card

When I attempted to make a payment on line, on the XXXX of XXXX due on the XXXX of XXXX to my credit card account at CapitalOne. I was informed that payment could not be accepted on Sunday the XXXX of XXXX date, and it would be accepted on the following date with a late fee. 
With no information or instructions about the reason for the delay in accepting my payment on the due date, prior to the payment. I was forced to make a payment at that time hoping that a late payment would not be taken out.
Product: Debt collection

I never heard of this company and for some odd reason they took over a company that no longer is in business since XXXX from what I understand. Of a company or furniture company is no longer in business and the purchase that I made was paid in full why is it that this company took over a debt collection from XXXX which does not make sense it started in XXXX and this company from what I understand been out of business along with the furniture company there's no account number there's no other information about this company but it's on my credit report the company did not provide enough information about the situation but XXXX has nothing to do with the situation I had with the company that was in business in XXXX.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS. LASTLY UNDER 15 USC 1666b A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT ON AN OPEN-ENDED CONSUMER CREDIT PLAN AS LATE. THE CREDIT REPORTING AGENCIES REFUSE TO REMOVE THE FRAUDULENT PERSONAL INFORMATION FROM MY CONSUMER CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/year>
Product: Debt collection

CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!
Product: Credit reporting or other personal consumer reports

15 USC 1681 I ( 5 ) Charge offs 15 USC 1601 Collections 15 USC 1692 c 15 USC 1681 ( 2 ) ( a ) ( i ) Income is a transaction and experience In accordance with the fair credit reporting act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15USC1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUnauthorized Inquiries * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent credit card application using my identity was submitted for a Best Buy CitiBank credit card in XXXX. A hard inquiry was made by Citibank NA, Best Buy on my credit report on XX/XX/XXXX. I noticed this inquiry and worked with CitiBank to close the credit card that was fraudulent and set up a 7-year alert on my credit report regarding potential identity theft. Citibank agreed in a later dated XX/XX/XXXX to remove the hard inquiry from my credit reports ; however, as of XX/XX/XXXX, the hard inquiry remains on my XXXX  credit report. I would like the hard inquiry removed from all my credit reports as it was made without my consent. 

Citibank NA, Best Buy XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX
Product: Debt collection

I had my credit frozen XXXX, in fact there was to be no further loans made on my SSN # due to over $ XXXX in fraudulent charges, credit cards, and loans made in my name of which I did not persue. In fact between XXXX & XXXX my credit score went from XXXX to under XXXX. When I reported the fraud, all major credit reporting agencies locked down my SSN & forced a statement to any person or company looking up my name for a potential loan. I have notified this law firm of these facts, but The company continues to provide me with what appears to be digital signatures on contracts originating from a city I do not/did not live in as evidence to support their claim that I am still going to be held responsible for the debt ( regardless of the fact that I did not initiate any such transaction ). This firm appears to be XXXX bent on collecting this debt from me rather than trying to find the person ( s ) responsible for causing their client to make a loan under false pretenses and identity. Add this all up and this is indeed makes the firm just as culpible for damages inflicted upon me in a counter suit which I do not intend to file/nor do I wish to file at this time but will not hesitate if these attempts to collect on a fraud debt do not stop : for the actions taken by the company who issued a loan in my name without my permission to a person who is not me & whom I have no knowledge of who they are ; the company took no action that I have seen to confirm the legitimacy of this particular applicant and collecting it from me as an illegitimate way to somehow offset their losses for questionable and highly suspicious business practices the collector hired this firm operating on with what appears to be the sole pursuit of collecting funds from a victim. One who has bent over backwards to accommodate ; honestly I just want this never ending story of fraud and questionable collection methods to end. Please stop treating me like a XXXX who deserves this constant barrage of intimidation and threat. Im just a guy trying to pick up the pieces and move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX for almost two years concerning an unauthorized credit account opened in my name. I have filed and sent the company and respective credit bureaus copies of police reports, FTC identity theft affidavits, multiple letters, and proof of my identity. The items were initially removed from my credit report, then XXXX certified to the credit agencies that they are holding me responsible for this debt. Shortly thereafter, it was added back to my reports. I feel as if I am being revictimized by this company.
Product: Checking or savings account

I opened an account with Wells Fargo on XX/XX/year> to receive a {$320.00} bonus. I made my first direct deposit of over {$1000.00} on XX/XX/year>. I have met all qualifications and have not received bonus yet. At least XXXX customer service reps have told me they are unable to locate the opening bonus info on my account. One Supervisor named XXXX has forwarded my concern to another dept and I was told to wait 10 business days. That will be on the XXXX of this month.
Product: Credit reporting or other personal consumer reports

I am disputing a debt with XXXX XXXX XXXX ( XXXX ) regarding an account allegedly purchased from XXXX XXXX in XXXX. My primary concern is that the debt validation provided by XXXX lacks sufficient detail and fails to address key questions about its accuracy. The records they provided do not adequately demonstrate a legitimate transfer of the debt, nor do they clearly show how the amount owed was calculated. This lack of transparency has made it difficult to trust the validity of the claim. 

Additionally, XXXX  initial notification process was flawed. They claim to have sent me a letter in XX/XX/year>, but I never received it. This has created confusion and prevented me from disputing the debt within the initial timeline, which I believe XXXX have adversely impacted my rights and credit standing. As a result, this unresolved debt has been reported to credit agencies, causing significant harm to my XXXX XXXX and overall financial well-being. 

Another major issue has been the inconsistency in reporting. All three major credit bureausExperian, XXXX, and XXXX previously deleted this item from my credit report, only to re-add it later. This repeated re-adding has caused considerable damage to my XXXX XXXX, created additional stress, and made it difficult to trust the accuracy of XXXX  claim. This action by the credit bureaus, presumably based on information provided by XXXX, raises further questions about the validity and handling of this debt. 

I am asking XXXX to provide more thorough documentation, including the accounts history of charges and payments, and to verify the precise legal ownership of the debt. I also request that XXXX cease all reporting to credit bureaus until these issues are fully addressed, as their current documentation is insufficient and has not answered my concerns. I believe a fair resolution would include a clear and transparent accounting of this debt, along with the removal of any inaccurate information impacting my credit.
Product: Debt collection

This debt was paid off by the car being in an accident and was considered a total loss was paid by insurance. My insurance paid the car off to the loan company completely. It was a total car accident totaled out.
Product: Debt collection

After over a year of my XXXX account being closed and being told by the store manager my account had a XXXX balance, XXXX without any prior communication placed a collection of my credit report for {$670.00}. I contacted them starting XX/XX/XXXX and spoke to numerous personnel including managers and was told my equipment had not been returned. I informed them that it 100 % was, and why would I need an old phone with no value. We later confirmed with the store manager on a conference call that they located the phone by an ID and it was in a warehouse. They then changed the story to state that now the collection was from fees and early cancellation, which it was not cancelled early. I had contacted the local XXXX ( XXXX ) store to verify when I was allowed to cancel without penalty and I therefore waited to do so until that date. XXXX sent the collection to XXXX XXXX where I disputed the amount and it was deleted. 3 months later in XX/XX/XXXX XXXX placed it again with a new company ERC. I contacted ERC and provided documentation of the previous deletion on XX/XX/XXXX, and ERC will not remove the account now.
Product: Debt collection

The previous address I lived at for 5 years is attempting to collect money for a water bill that we do not owe. As stated in each lease we signed the complex known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was responsible for the " Wastewater or Sewage '' portion each month. I contacted their parent company XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX and spoke to the direct manager XXXX XXXX phone # XXXX about the situation and was told it would be taken care of, it has not. It has been turned over to a collection agency National Credit Systems Inc XXXX XXXX XXXX. This has put myself, my XXXX, s and my XXXX  excellent credit history in jeopardy and has negatively affected our lives. 
These actions were first initiated by National Credit Systems Inc on XX/XX/2023. I contacted the 3rd party that is used for the Water/sewage billing company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which provided usage statements and clearly we do not owe monies. 
Sincere Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed billing errors on my credit report, including late payments that dont match my usual history. Please update my account to reflect accurate information.