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

Despite the multiple previous written requests, the unverified the following items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified.

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA.
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was behind on a payment on two of my credit cards serviced by this company. They called a number of a estranged family number to get information. They gave this person who answered the phone private information on my account including total amount owed, payments made and payments needed. This is a personal credit card. I have no additional signers and have not authorized anyone to have access to information regarding these accounts. I am not married, phone collector assumed they were speaking to a spouse and gave all information to them. I have no relationship with the person they spoke to about me. This happened onXX/XX/XXXX andXX/XX/XXXX. I called the company and was given a number to their corporate office. I called that number, sat on hold for twenty minutes and then was dumped into a voice mail box and have not heard anything back from the company since. I have two accounts through this company, and they did it on both accounts.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly verify the documents? Several of the accounts listed appear to be inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second dispute and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I donot recall doing business or applying for accounts with the following : -XXXX XXXX XXXX # XXXX -NCA # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just received my new credit report for XXXX and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


EXETER FINANCE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2021 {$7500.00}. No response XX/XX/2021. {$7500.00}. No response XX/XX/2021 {$7500.00} No response Im disputing this debt because once this vehicle was repossessed I was Not notified of any proposed sale in 10 days, Under the laws of the State of Florida XXXX XXXX and XXXX  XXXX and XXXX a deficiency can not be claimed unless all notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Product: Credit card or prepaid card

Capital One during these unprecedented economic times, crashing stock market, shelter in place shutdown, COVID-19 Virus spread is only willing to waive my XXXX Credit Card Payments. Capital One has not waived late fees, waived interest or lowered my interest rates. XXXX  XXXX XXXX waived 3 payments with no late fees, lowered my interest rates by 1.5 % with no impact on my credit report. XXXX waived 2 payments, waived 2 months of interest, waived late fees, lowered my interest rate by 1.5 % with no impact on my credit report. XXXX XXXX   waived 2 payments, waived late fees, lowered my interest rates by 1.5 % with no impact on my credit report. Department of Education has waived payments for 12 months, with no interest thru XX/XX/2020 with no impact on my credit report. 
Shame on Capital One charging me up to 24.4 % interest in these challenging times. I am asking Senator XXXX  XXXX to look into Capital One 's unfair credit card policies and practices.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX I am submitting a formal dispute regarding late payment entries reported within the past XXXX years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a XXXX application on my mobile device. This XXXX, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials. 
My automatic payment settings were altered without my knowledge. 
This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident. 
Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past XXXX years that were impacted by this unauthorized interference. 
A written confirmation verifying that these late payments have been removed. 
A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably. 
Please confirm resolution of this dispute at your earliest convenience.
Product: Money transfer, virtual currency, or money service

Numerous Bitcoin transactions through CashApp over the past several months were determined by me to be a scam or fraud, so I reported the incidents and have been promised refunds of over {$12000.00}, but NOTHING has ever been returned to me! 

Payments have been Held and these entities have NO legal right to hold ANY payments- but they do it and refuse to provide refunds. I have many Email messages I can share as proof. 

The transactions were done on the CashApp app using Bitcoin. The first responses were communicated to : XXXX That has since been determined to be fraudulent. Subsequent communications have been held with : XXXX, which has promised the most recent refunds. 

NO refunds have been received and I am owed well over {$12000.00}, with interest!
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had XXXX late payments on a account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuravy. I have never been late on payments for the accounts that i have included in the screenshot inside this complaint in on dates [ XX/XX/year> ] and [ XX/XX/year> ]. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact that i was never late on these stated payments. Thank you so much! Please see the screen shots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize these companies to access my credit file, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am in the process of trying to buy a home and when the mortgage broker pulled my credit and we seen that there are damages on my report and according to 15 U.S.C 1681 there should not be damages reporting on my report that is a defamation to my character. According to the ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Ive also asked for a reinvestigation about this account and your are violating my rights according to 15 USC 1681 n ( Civil Liability For Willful Noncompliance ). Also allowing my sold information to be placed on my report without my permission also with no knowledge of me knowing.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD bank account was fraudulently opened back in XXXX. I did get it closed but TD Bank ran my credit which resulted in a hard inquiry on my credit. I need the inquiry removed as it is effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK IN 2005 AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX XXXX XXXX XXXX XXXX ACC NUMBER XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX  XXXX XXXX Account Number : XXXX CREDIT INQUIRIES XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX , XXXX XXXX XXXX , XXXX , XXXX, XXXX XXXX
Product: Student loan

I got the loan put on my credit card even though I am still in college and can not pay it off. I can not take out other credit cards and improve my credit.
Product: Mortgage

I have been trying to recast for four months and they keep making it impossible to accomplish it. I really think they are dragging their feet and  making it difficult because they want my $ XXXX/month interest.

They made me jump through all these hoops and then did it incorrectly. I called to try to get clarification on how to proceed and they emailed me back about a completely separate issue. 
Also, I got my homestead filed in XXXX and they still have not adjusted my escrow. Again, they keep more of my money longer by not doing what they're supposed to.

Every time I call it ends with no resolution. Wait times are usually upwards of 30 minutes.

Even supervisors are unable to help.
Product: Debt collection

On XX/XX/2012 I was on vacation at XXXX. At the Hotel, I had an allergic reaction which I had to go to XXXX. at XXXX FL. I have a XXXX so I paid all deductables in full with no pending charges. I noticed on my Credit Report that I have XXXX Accounts in Collection and a Collection Agency named Avante apparently is trying to collect a {$180.00} which they claimed that I owed. Appreciate your help on this matter.
Product: Vehicle loan or lease

i am paying 18 % APR Interest every month Equal to XXXX $ because of my credit score. i was denied for new credit cards from XXXX and from XXXX XXXX XXXX and from XXXX XXXX. i was requested to refinance my car To GM financial my current car under Gm Financial, but i am not getting good quotes to refinance my car. i am very low income  person, i am struggling to making payments every month with my family and XXXX month old baby. i am worried about my family financial situation right now. because of these CREDIT BUREAUS like XXXX and XXXX, XXXX XXXX XXXX and my car dealers all all people are manipulating the law and make me suffer a lot.
Product: Credit card or prepaid card

I applied for a Capital One credit card on XXXX and was approved. After being approved for the card, I was told by email that the card would arrive in approximately 3 business days. However, I received a different answer from every customer agent about the shipping time : 7-10 business days and 4-6 business days, both which are higher than the original 3 business days quoted in the email. The email gave false expectations for the delivery of the card. There are also no mentions of expedited shipping practices, which I have utilized with other card companies before and have heard that Capital One offers it for different credit cards. I spoke with a supervisor XXXX ( employee ID XXXX ) who was unable to disclose any reasonable cause for being unable to expedite shipping or show me the card number in advance, blaming issues on the " system '' and claimed that no one at Capital One would be able to resolve this issue or have access to the card or shipping details. 

Other credit card companies I have worked with in the past are able to process cards in a shorter time. If I had been aware of the shipping time when applying for this card, specifically whether or not they offer expedited shipping on new cards, I would not have applied for this card. As it stands, I have been locked into this offer which took a hard pull to all three credit bureaus such that closing this card will hurt my credit, meanwhile with no ability to use the card due to my time sensitive circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports :
Product: Credit reporting or other personal consumer reports

I do not recognize the inquiries on my credit report and thinks it's fraudulent.
Product: Debt collection

Midland sent an email beginning on XX/XX/year> claiming a " pre-legal notice '' about a balance from a Missouri Bank in the total amount of XXXX that I have no known ownership of with this debt collector. They have since continued to send emails to me regarding this claim of debt ownership.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company with an unknown date reported some payday loan or something that is not mine to Transunion, XXXX, and XXXX  on XX/XX/XXXX. I filed a complaint with all three credit reporting agencies with supporting documentation and XXXX is the ONLY one that removed it because my documentation proved that 1 ) my name did not match the name on what they have 2 ) XXXX XXXX has ZERO documentation 3 ) they harassed my parents back in XXXX when I did not even live at whatever address they HAVE LISTED 4 ) I was living in XXXX XXXX 5 ) I had already reported case of identity theft by that time 5 ) now its been over 30 days with ZERO response by such company XXXX XXXX and Transunion and XXXX have yet to remove it while it still lowers my credit score. I AM BEYOND LIVID
Product: Credit reporting or other personal consumer reports

I am writing to ensure you have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and shall be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have attached an FTC Identity Theft report with this complaint for your review as well. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.
Product: Debt collection

On XX/XX/22, Midland Credit Management stated the account that they were contacting me about would be marked " cease & desist '' but they are still contacting me & threatening legal action. they have stated the account belongs to someone with the last four of their social being XXXX, which is not the last four of my social security number. mine is XXXX they continue to violate my consumer protected rights with the harassment of an account that has never belong to me. very unprofessional. their process of finding their customers is not reliable obviously. this is my second complaint against them through the CFPB so now, i will move forward to legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security direct deposits will not go into my bank account because LexisNexis has a death record on me in their file. When I discovered that the social security administration ( SSA ) had mistakenly declared me deceased in their death master file I immediately cleared that up with the SSA. Of course I also began the arduous process of notifying everyone else that I could think that needed to know most especially my bank. Still my SSA payments were being rejected. Neither the SSA nor the XXXX XXXX XXXX XXXX XXXX  ) could understand why. It took some time to realize the reason was LexisNexis. On XX/XX/XXXX I sent everything that LexisNexis required to launch a dispute. On XX/XX/XXXX I was told by XXXX a LexisNexis agent that the dispute was resolved on XX/XX/XXXX and that I was no longer deceased in their records. XXXX told in 7 to 10 days I would receive a letter to that effect and my consumer report. The problem is that I am still deceased on their records. I know this because the agents at XXXX tell me when they check out my social security number with LexisNexis I am deceased. At first LexisNexis argued that it just couldnt be because they had removed the death record. Finally on XXXX XXXX a supervisor admitted they did not delete everywhere. She told me that she would personally walk this issue through with her technical people. I told her I would give her XXXX business hours to correct it. Yesterday XXXX  that was up, I called to speak with her and was told she would call me back she did not. This is the evening of XXXX I think XXXX hours business hours was reasonable considering, I first gave LexisNexis all they needed on XX/XX/XXXX. I checked with XXXX late today and they tell me I am still deceased according to LexisNexis. They also tell they can not continue checking for me. This is more than I cant get my XXXX direct deposit. What chance would I have of getting credit if Im reported deceased? I have attached the part of the consumer report that LexisNexis sent to me on XX/XX/XXXX the one that was supposed to prove resolved. Clearly on page XXXX there is my death notice.