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

The Credit Agencies have not complied with my requests as well as the Fair Credit Reporting Act and continued reporting the disputed accounts and information as verified without sending me copies of proof of verification. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Under the Fair Credit Reporting act section 605b, the Credit bureaus are required to remove any accounts and information that resulted due to identity theft. The Credit Bureaus have failed to comply with the two Federal Regulations and is punishable by law. If the Credit Bureaus have claimed that the disputed items belong to me, they should have sent me copies of proof of verification and informed me of their findings, and yet the Credit Bureaus have not done so. I am submitting this CFPB Complaint to request to the Credit Reporting Agencies to please remove the disputed fraudulent accounts and information as soon as possible. Here is the list of accounts and information that were opened due to identity theft : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$170.00} XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX NC ) XXXX Balance : {$340.00} XXXX XXXX XXXX I ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX {$75.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The moment I received the duplicate of my report that I purchased with XXXX dated XXXX, I immediately called your department since I saw some UNVERIFIABLE items on my personal profile. I discovered that there were COLLECTION and INQUIRIES accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud items on my credit report all this time as well as this incorrect information on my personal profile on my personal profile but still youre not taking any actions. I have never with these items listed below, so please help me remove these collection and inquiries accounts. A copy of my Utility Bill, drivers license, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX 
Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Drivers license, SSN and current Utility Bill as verification of my ONLY address. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I told them I know nothing about it and I told them take it off my Credit they refused to so I want something done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations XXXX XXXX XXXX has made in their attempt to collect this debt from me. 

I am fearful that XXXX XXXX XXXX will continue to make threats against me and harass me in relation to the alleged debt. I have sent XXXX XXXX XXXX a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced XXXX XXXX XXXX, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Product: Debt collection

A demand letter dated XX/XX/2018 was received from XXXX XXXX re : Capital One credit card debt. 

This account was under debt management. 

I notified XXXX about the letter dated XX/XX/2018 and XXXX has removed this account from debt management as a result of the letter. 

XXXX XXXX has requested that I inform XXXX XXXX about payment. On XXXX.18, I spoke with XXXX ( XXXX XXXX representative ) and she requested that I call XXXX as she could not discuss matter further. 

XXXX XXXX and XXXX XXXX have been notified of their individual actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 my 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 any Purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

My score was maintaining an average XXXX and now that Chase Auto loan fraudulently reported up to 90 days on my credit along with my husband causing our credit score to go down 100 points. 

Back on XXXX 2017 I called Chase Auto loan to Deffer three months payments due to Hurricane IRMA which they approved and said it would not hurt my credit nor will it go on my credit Score however it did indeed show up on credit and harmed my and husband score very much. This should have never gone on report and now score is extremely low and showing it is now current however score only went up a few this should not have happened and score should be higher as it was before. 

Please help fix our issues and score increase. Thank you so much
Product: Debt collection

I requested that LVNV Funding, LLC/Resugent Capital Services validate the debt. 
This company did not provide any validation that the debt belongs to me. I requested the contract bearing my signature indicating that the debt belongs to me. A BILL and/or Bills is not a contract and doesn't provide my liability. In fact, anyone having stolen my identity could apply for an account and bills can be generated. This company is in violation of the FCRA reporting standards. I've asked them directly ( both as a reponse to email and certified letter ) and received a bill. I've address this with CFPB and through them, I received a bill and some sort of application bearing no signature. As I have not received any information that has validated this debt, I for the third time request that you immediately take action to delete all credit additions made to my credit reports.

In addition, LVNV Funding, LLC ( Debt Collector ) is in violation of my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). LVNV Funding, LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not LVNV Funding, LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Product: Credit reporting

Equifax has inserted an account onto my file that was previously deleted because it was a part of an identity theft affidavit years back. This account could never be verified properly and does not belong to me.
Product: Money transfer, virtual currency, or money service

I did an internal transfer with chase bank to chase bank in the amount of XXXX for an investment account that was a scam. Chase did not initiate any internal investigation for the amount over XXXX witch would have informed me that this account in their bank was a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, experian and XXXX  is reporting inaccurate and inconsistent on my credit report. I have disputed these items several times due to the inaccuracies on my credit report. XXXX XXXX, Experian and XXXX  Re-aged the date of last activity. Under FCRA section 605 ( C ) running of the period it is a violation to re-age the date of last activity
Product: Credit reporting or other personal consumer reports

Last year 2024 I have been calling Capital One about my account. I told them the reason why I havent been making a payment is because I was without a job over a year. The worker on the phone with an accent told me he can put me on a payment plan. He was just giving me numbers that I couldnt afford so I thought if I go ahead and just pick a payment plan, I can pay over time monthly instead of the full amount at once. He dropped it down ( on another account because I have 2 Capital One accounts ) and said If I pay this right now then my account will not be closed and go into collections. I believed him. kind of like a sales man. Next thing I know it, my accounts was closed and I couldnt use it. I called up there and spoke to a lady and she said that was not true. You wouldnt be able to use your account after you were put on the payment plan. I was furious and then that XXXX, I was laid off again and stopped paying.
Product: Debt collection

Reporting as open and late payments. This account was charge off by original creditor. This violates FDCPA 15 USC 1692 e ( 2 ) a, ( 8 ), ( 10 ) and 1692f. by using deceptive reporting to attempt to collect a debt and negative influence creditors that are looking at my credit. I already file a dispute with all XXXX major credit bureau. 
The companies are : MIDLAND FUNDING LLCXXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Debt collection

I contacted EASTERN ACCOUNT SYSTEMS, INC every 45 days since XX/XX/2021 to validate alleged debt. EASTERN ACCOUNT SYSTEMS , INC. never sent documents supporting any purchase of any medical debt allegedly belonging to me. Collection accounts have been removed from XXXX and XXXX for failure to validate. XXXX refuses to remove these debts and responds to my disputes as " verified '' EASTERN ACCOUNT SYSTEMS, INC. 
ACCT # XXXX ACCT # XXXX ACCT # XXXX ACCT # XXXX
Product: Checking or savings account

In XX/XX/2022, I purchased a home and Settled the transaction with XXXX XXXX. XXXX XXXX XXXXXXXX Due to timing constraints with sending a wire transfer for closing, I sent them a more money than what was actually due to close just in case. This is common practice, and XXXX XXXX sent a refund check back to me via US mail. I have USPS Informed Delivery and no mail from XXXX XXXX ever hit my mailbox. 

I did not receive the check back from XXXX XXXX, and later when I inquired with XXXX XXXX about it, they told me the check had already been cashed. It was not cashed by me, i asked them for a copy of the cancelled check, and it was not my signature. Further, it was cashed via mobile deposit with Bank of America, but that is as far as they could see. They were unable to issue a new check to me until the bank finished the investigation into the XXXX. 

XXXX XXXX 's bank is XXXX XXXX Bank, they filed a report with BofA about the fraudulently cashed check, and this 'investigation ' has supposedly been ongoing since XXXX, going on 6 months now. No status updates have been provided by either bank, I am still owed {$3500.00} and nobody will give me any information.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a notification about a new hard inquiry on my credit report from XXXX. I never applied for new credit cards. Also I noticed the address on my XXXX credit report that I dont recognize
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Equifax as put things on my credit that do not belong to me I believe I'm being targeted for some reason I see inquires that do not belong to me I see incorrect information like addresses and I tried to dispute so many times I sent in proof and still they will not delete the incorrect data they are forever selling my information and would like it to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681 i ( 5 ) I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX and TransUnion did not modify or removed anything. 

The date open is not correct, date last active is not correct on XXXX and TransUnion date of last payment is not correct on XXXX credit reports. 

Which is a violation. This is impacting me from moving forward to buying a house for my family. 

I attach my certified stamp when I sent letter to XXXX and TransUnion. 

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

Yes, they have a vehicle on my credit report that I did not purchase. It says with a creditor named XXXX XXXX XXXX. I have asked them to get the creditor to provide a signed contract for purchase with my signature requesting a loan with this company. I have asked in the disputes and have not received any information or the removal of the creditor from my reports.
Product: Money transfer, virtual currency, or money service

I have a small business and I XXXX XXXXXXXX XXXX and I would send invoices and today they deactivated my account and the thing is that they are holding my money in the account for 90 days. I need the money to keep running my business
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past my credit card would show up on my credit report, however, I am no longer able to see it on any of the reports received from all 3 credit bureau.

All 3 credit reporting agencies say they havent received any information from XXXX. There is a disconnect here and Ive tried every means possible to fix it. This issue started happening after I tried disputing a charge on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several accounts on my personal credit report with XXXX, XXXX, and TransUnion and yet TransUnion, XXXX, and XXXX  are falsely reporting incorrect information on my credit report! I have no real validation of any of the listed accounts below. There were no previous contracts with myself and the said creditors that are falsely reporting the incorrect thats being accepted by TransUnion, XXXX, and XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the fraudulent, XXXX XXXX XXXX, XXXX be removed due to identity theft from Equifax report. 

XX/XX/XXXX Re : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # XXXX To whom it may concern : I previously notified you that I am victim of identity theft. 
I learned that my personal information was used to open various accounts, XXXX XXXX XXXX, XXXX I did not open nor authorize, nor did I receive any benefits from the fraudulent account. 
I request that the fraudulent account be permanently blocked and remove from my credit report. 
I have previously filed an FTC and a CFPB identity theft reports disputing the inaccurate information, that you are reporting as a result of identity theft XXXX and XXXX have removed the fraudulent items but you have not I repeat, that the fraudulent items be permanently blocked and removed, and that i receive an updated credit report without the fraudulent item on it. 

Further more I have reviewed the fair credit reporting act, 15 U.S.C. ~1681s-2 ( a ) ( 1 ) ( B ) .as well as 623 ( a ) ( 1 ) ( B ) Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed these hard inquiries with XXXX, XXXX and TransUnion. I pulled my credit reports on XXXX XXXX. I discovered that I had XXXX hard inquiries that were unauthorized. I never gave these companies the permission to run my credit for any reason. I have also wrote letters to each company asking for a signature of authorization with no response. 
The XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.
Product: Checking or savings account

I have been going through a dispute issue with USAA for over three months. When filing the original dispute, I informed the individual that my cell phone along with my wallet were accidentally left in my family members vehicle. Due to my XXXX XXXX, I am required to leave sticky notes containing my debit card pins, my USAA mobile banking code, my employer id, and so on. I was originally unsure as to who it was that made three unauthorized transactions on my account but after explaining the stress and hardships Ive received as a result, my family member ( XXXX XXXX ) confessed to making transfers on my account and making these transactions using the mobile app and my debit card pin which were all located on sticky notes in my wallet. He also provided a written statement confirming his actions, which I then sent over to USAA. They still are saying the dispute is not fraudulent despite him admitting to doing these transactions without my knowledge or permission. How is it that I am punished for something someone else did, due to my medical condition? I need answers he has admitted to doing these transactions and still nothing has been done.
Product: Checking or savings account

I filed a CFPB complaint on XX/XX/21 : XXXX. 
I was told by Citi directly that I was eligible for the bonus and would receive it no later than XX/XX/21. 

It is XX/XX/21 and I have not received the bonus as promised. This is a blatant disregard of the terms and agreements between Citi and myself. 

Citi has not paid the bonus and it has been past the maximum allowable time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX XXXX. This was a fraudulent inquiry and was NOT done by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report AND on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX and XXXX multiple times. I have called XXXX XXXX multiple times. I have sent a letter & a follow up letter to XXXX XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX XXXX from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for XXXX. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called XXXX multiple times. I have sent a letter & a follow up letter to XXXX. All of these efforts were made to report fraud and to have the hard inquiry from XXXX *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 


Issue # XXXX. On XX/XX/XXXX I had an ( Individual ) Hard Inquiry on my credit report for Citi Bank, NA. This was a fraudulent inquiry and was done NOT by me. 

This ( Hard Inquiry ) is showing on my XXXX Credit Report. 

Steps I have taken thus far : I have called XXXX multiple times. I have called Citi Bank Best Buy multiple times. I have sent a letter & a follow up letter to Citi Bank. All of these efforts were made to report fraud and to have the hard inquiry from Citi Bank *removed* from my credit report. 

Response thus far as of XX/XX/XXXX : None. I cant seem to get anyone to help me to get this removed. 

On XX/XX/XXXX I implemented a Freeze and a Fraudulent Alert on all of three credit bureaus. 

There were other fraudulent hard inquiries ( including one from XXXX  ) that were also on my XXXX credit report ( along with the ones above ) but XXXX was GREAT and removed ALL of the hard inquiries very quickly. 

I have already spent hours and hours on this since XX/XX/XXXX. 

I am writing to ask for your help to please have these XXXX ( XXXX ) fraudulent hard inquiries removed from my credit reports. 

Thank you!