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

I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT INQUIRIES THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE. 



In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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: Debt collection

Violations Cited : 1. Failure to Provide Debt Validation ( FDCPA Violation ) The company has not provided sufficient proof of the debt as required under FDCPA Section 809 ( 15 U.S.C. 1692g ). They have not provided : o Documentation showing the assignment of the debt or proof that they have the right to collect it.

o An itemized breakdown of the debt amount, including how it was calculated.

o A copy of the original agreement with the creditor.

2. Continued Collection Efforts Without Validation ( FDCPA Violation ) Despite my dispute and request for validation, Spring Oak Capital has continued collection activities, Under FDCPA Section 809 ( b ), collection efforts must cease until proper validation is provided.

3. Inaccurate Reporting to Credit Bureaus ( FCRA Violation ) The company has reported the debt inaccurately on my credit reports with [ XXXX XXXX XXXX and they have not corrected the information. This violates FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which mandates accurate reporting and timely investigation of disputes.

Georgia State Law Violations : 1. O.C.G.A. 7-3-29 - Ethical Debt Collection Practices The companys failure to validate the debt and its continued harassment constitute a breach of
Georgias requirements for ethical debt collection practices.

2. Georgia Fair Business Practices Act ( FBPA ) Under the FBPA ( O.C.G.A. 10-1-393 ), misrepresenting the debts status and failing to provide validation is considered an unfair and deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with XXXX XXXX XXXX and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my Transunion, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Capital One Bank. On XXXX, my bank account was frozen without prior notice due to an internal investigation related to incoming XXXX transactions. The bank refuses to provide any time frame for the investigation or any details regarding the specific transactions under review. 

The most concerning issue is that Capital One has frozen all the money in my account, not just the disputed transactions. As a result, I am left without any funds to cover my living expenses. I have contacted the bank multiple times, but they refuse to provide any helpful information or timeline. 

I believe this action is unjust and abusive, especially considering that the bank is holding funds unrelated to the investigation. 

I request your assistance in resolving this matter as quickly as possible.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against Experian for failing to comply with the XXXX  Victims Protection Act ( XXXX  ) and the Fair Credit Reporting Act ( FCRA ) regarding the removal of fraudulent accounts from my file. 

I am a victim of XXXX  XXXX, and my identity was fraudulently used to open financial accounts without my knowledge or consent. Specifically, the account with XXXX XXXX XXXX XXXX is the result of fraudulent activity, and I have provided all legally required documentation to Experian to request the immediate blocking of this adverse information. 

Legal Basis for My Request Under the XXXX  Victims Protection Act ( TVPA ) and FCRA, credit reporting agencies are legally required to remove or block negative information that results from XXXX-related identity theft when provided with : A police report or law enforcement documentation confirming the fraudulent activity. 
An identity theft report filed with the Federal Trade Commission ( FTC ). 
A written request from the victim stating that the adverse information resulted from XXXX  XXXX. 

I have already submitted all necessary documentation to Experian, including : A police report verifying that the fraudulent account was opened without my authorization. 
A Federal Trade Commission ( FTC ) identity theft report documenting the fraudulent activity. 
A formal written request demanding the removal of all adverse information related to this fraud. 
Experians Non-Compliance & Violation of Federal Law Despite providing all legally required documentation, Experian has failed to : Investigate and block the fraudulent account within the legally mandated timeframe. 
Comply with the FCRA and XXXX, which require immediate removal of fraudulent data when sufficient proof is provided. 
Prevent further harm to my financial stability by allowing this fraudulent account to remain on my file. 

I appreciate your prompt attention to this matter and expect a resolution in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with Barclays. On the XX/XX/XXXX I had submitted a form on my account with them for a potential {$1000.00} credit line increase. They approved it immediately. Later in the day I got a notification from my credit monitoring company telling me that there was a new hard inquiry on my report. I checked my report and there was one from Barclays. When I had submitted the form there was nothing stating that they were going to pull a hard inquiry. So Barclays did not have my authorization to pull the report. Any other credit card company that I have gotten credit increase has not pulled a hard inquiry. Had I known that they were going to do that I would not have asked for the increase and would have applied for a new credit card with a different lender. I contacted Barclays and told them they never had my approval to pull the report and something needs to be done about it and they said oh you asked for us to review your credit so we need to pull your report, so sorry but it is what it is type of thing. ( Note this was said in the email I have attached, it says that they need to pull one, it doesnt say that they already did, so there is some discrepancy there ) Since I never authorized it I then went to XX/XX/XXXX to dispute the inquiry on my report but they said they cant do anything about it and I need to contact the credit company, which as mentioned I did and got nowhere which is why I am filing this complaint.
Product: Mortgage

My house burnt down in XX/XX/2019. The insurance company only wanted to pay out half of the claim XXXX months ago I hired an attorney to get me the other half of my claim which he did now the rest of the funds are locked up between the attorney and the mortgage company the mortgage company is refusing to pay the attorney the attorney is refusing to release the funds unless he gets paid can not after weeks of trying get the two of them to agree. My temporary housing is only paid till the end of XXXX it was supposed to be paid to XXXX those funds are also locked up in this dispute so I family of XXXX will be XXXX at the end of the month if I can get these companies to agree so we can get her money and I can finish rebuilding my house
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get this late payment off my credit from Equifax, XXXX, and XXXX. I have not been successful. 

I have received this letter from the creditor ( XXXX ) showing that they should remove the late notation and to make it " current ''. 

This is in regard to account # XXXX  # XXXX Please help me get this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX  to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/ and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XXXX. I have spoke to the credit bureau, the dept of ed told me to contact great lakes because my account was sent to them when i contact great akes they sent me back to the dept of ed, from there back to great lakes, In XXXX I spoke to great lakes over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Open Account : XXXX  XXXX # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request verification of a credit card account that has been reported in my name. 

My legal name is XXXX XXXX, not XXXX XXXX, as has been incorrectly reported. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I am entitled to request a reinvestigation of any disputed information and to verify its accuracy.

Please provide the following : 1. Proof of my authorization to open this account, specifically a signed application or other documentation that includes my correct name and signature, per 15 U.S.C. 1681i ( a ).

2. Information on the method used to apply for this account and where it was opened.

3. Copies of any identification or documents used to verify my identity when this account was opened.

Additionally, I want to clarify that the previous account statements you have sent are not proof that I authorized the opening of this account. I therefore demand a re-verification that includes my signature, demonstrating my consent to open this account.

If you can not provide this verification, I request that you : Immediately delete this account from all of my credit reports, per 15 U.S.C. 1681c-2, which requires the deletion of unverifiable information.

Cease reporting this account to all credit reporting agencies.

Provide written confirmation of the deletion and removal from my credit reports.

Furthermore, if this account has been written off or charged off, your company is required to issue a Form 1099-C for canceled debt under IRS regulations . According to IRS guidelines, creditors must file a Form 1099-C to report the cancellation of debt of {$600.00} or more, and I have not received this form as required. If this account was indeed canceled, please provide confirmation of the 1099-C filing or an explanation of its absence.

Please respond in writing within 30 days, as required by law. Thank you for your prompt attention to this matter, and I look forward to your response. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$10000.00}, {$4000.00}, {$1900.00}, {$3300.00}, {$2200.00}, {$250.00}, {$5400.00}, {$1900.00}, {$3200.00}, {$1800.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

3. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

6. XXXX  XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account. 

7. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

8. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

9. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

10. XXXX/XXXX  XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

11. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
Product: Checking or savings account

On XX/XX/2022 I mobile deposited two payroll checks. Those checks were then stolen from me and someone attempted to deposit or cash them. My employer did not pay the check a second time. On XX/XX/2022, Capital One adjusts my account saying the check for the amount of {$870.00} was deposited twice. Then on XX/XX/2022, Capital One adjusted my account again for the amount of {$390.00} from the second check with just the reasoning, to correct an error. After hours on the phone with their customer service for me and my employer, trying to get this straightened out, nothing has been resolved. They have not been able to provide proof as to why they took the money, they all act confused like they have no idea what were talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my file split and is showing all my balances are XXXX out when they shouldn't be and is reporting inaccurate information. I have attempted to get through their automated system several times but I can not reach a real person over their phone line. I need this resolved.
Product: Checking or savings account

I have business account with Wells Fargo for three years, on the XX/XX/2022 they wired out {$9800.00} without telling me or notice XX/XX/2022 they wired out again {$14000.00} without letting me know, I find out on the XX/XX/2022 and report to them, they denied it and tell me resolved my self. This is scam bank please let everyone know this bank is fraud, this bank not safe and scary please be aware
Product: Checking or savings account

I have opened a checking account with Citizens Bank on XX/XX/22 with an offer that would pay {$400.00} bonus after depositing {$500.00} via direct deposits and completing XXXX debit card transactions. I have completed these requirements within the required terms, but have never received {$400.00} bonus. When I contacted the bank they refused to give me the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been notified by my credit reporting company that a hard inquiry was made to XXXX XXXX last week XX/XX/2018. I have not requested any products or services from this company for wireless activity. Please check.
Product: Debt collection

I do not own this debt to this company however it is on my credit report.
Product: Mortgage

After reviewing mortgage documents, it seems that I was misled in what I was actually signing. It seems that a trust agreement was signed instead of a contact for a " mortgage loan ''. In light of this I claimed the property to be a part of my estate and sent a Qualified Written Request under RESPA that was served to NCSECU on XX/XX/year> asking for specific accounting details of the alleged " loan ''. I will attached all documents that were sent to NCSECU. I also notified the IRS of this transaction, ( which I was unaware I needed to at the time ) by filing a 1099-OID and a 1099-A for acquisition of the property. The IRS accepted and sent copies of these forms to NCSECU. I know that they received them as they in return sent that copy B for both forms back to me. 

On XX/XX/year> I received a response stating that NCSECU had received my documents ( QWR and estate claim ) dated XX/XX/year>, but to please be advised that they are " unable to accept my documents ''. 
As the CFPB and NCSECU is aware, a servicer is required to respond to a QWR request within 30 days - or request an appropriate additional time for the request to be answered. Per their response- they have no intention of providing the information, although they have acknowledged they received the Qualified Written Request under RESPA. This is serious cause for concern. If a " loan '' was provided to me in the manner I was told it was, why would there be any hesitation to provide the accounting details of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureau is in violation of Metro 2 Compliance, also FCRA and FDCPA..
Product: Debt collection

I was told by Hunter Warfield that I have a debt owed of {$9100.00} on XX/XX/XXXX. 
I attempted to discharge the debt which is my right under HJR 192 73-10. I informed them to cease and desist under those grounds. Also under 18 USC 8, all debts public and private are the obligation of the UNITED STATES. They are in violation of FDCP Act 807 ( 2 ) ,807 ( 11 ) 809, and 812. And by not allowing me to discharge my debt under HJR192 73-10 they are violating my civil rights under the 14th amendment 42 USC 1983 42 USC 242 , 245. My rights are being violated and I'm being forced into involuntary servitude for financial gain. They willfully deprive me of my rights and privileges, and they have used coercion to pull me away from financial freedom. Also, the use of extortion to have me pay a debt a have provided the remedy for. They are operating as a criminal enterprise of organized crime with 2 or more members executing these acts.
Product: Credit reporting

I have disputed the reporting of XXXX XXXX {$900.00} several times because I am paying XXXX XXXX Hospital every month and have payment arrangements set up with them. How is XXXX XXXX reporting this balance when I am paying the hospital? Is this an FCRA violation? The balance is wrong and they are not who I pay. I am uploading the original bill so that you can see that it is for {$900.00} with XXXX.
Product: Money transfer, virtual currency, or money service

Sent money with XXXX turn out to be fraud and I wasnt able to get my money back. It was XXXX $ on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit bureaus more than 30days ago and I haven't received any response. It is my understanding that according to the FCRA inaccurate or unverifiable information must be removed from the credit report. Well its ben more than 30 days and I want this issue to be resolved, this process has caused me to be sick, stressed out and I can't take it any longer. I need you guys to abide by the law just as you expect me to abide by the law.
Product: Credit reporting or other personal consumer reports

I have repeatedly attempted to get into my online Experian account to unfreeze my credit. Most recently today. The code they call me with to verify my account never works. I eventually receive a message to call customer care with a phone number to call. When I call this number the automated system will not give me to a customer care agent it tells me to login to my account. Which I can not do. I attempted this several times on XX/XX/year>. Eventually I was able to find an email for Experian. I sent an email to XXXX to assist me in accessing my account so that I could unfreeze my credit. I have not heard back. My credit is being held hostage and I can not get anyone from Experian to answer or respond. At one point it gave me recovery email and phone to send information to. None of which are associated with me which in itself is alarming.
Product: Credit reporting or other personal consumer reports

I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing XXXX, XXXX and Transunion that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.