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

I am submitting this CFPB complaint for you to notify certain items that are inaccurate and still appeared as fraud in my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information on my credit report. I have provided the necessary documentation and evidence in my previous disputes to support my claims. However, it is disheartening that these errors have not been removed and are negatively impacting my credit score and financial standing.These are the following items that needs to be removed : 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

The investigation lead to know results. Attached all documents that was sent to credit agencies.
Product: Debt collection

I was notified on XX/XX/2XXXX via voicemail from collection agency Hunter Warfield that I owed a debt on a rental property that I never stayed at. The person used both my name and social security number in order to rent this property and has since been evicted. The amount owed is {$14000.00} and the company directed me to file a police report, submit an affidavit and a photo copy of my ID.
Product: Credit card or prepaid card

I tried calling Capital one today and I was kept on hold long. The second time trying to speak to a supervisor. I have auto pay and never are late. I have this account for years. I went online to see my bank account information, it is there XXXX XXXX XXXX ending in XXXX but for the past two months they took it from XXXX XXXX. I changed my bank information but they did not take the payment from it. I am never late now they charged 2 {$38.00} fees plus it is on my credit report past 60 days!. When my credit history paying with them is perfect as well as others. They called me for the first time 60 days later. I moved so I did not receive a letter, but they never sent email either. Why did they wait so long to contact me to resolve it. I attached the proof Im on auto pay and the only external bank account XXXX. I also sent copy of my bank account balance which has more than enough money to pay it. And a copy of the fees.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there is still an account that needs to be FIXED. The credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting.To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a retired Veteran of the XXXX XXXX XXXXXXXX XXXX XXXX. I am a retired XXXX XXXX XXXX, I have put my life on the line for my country and state. It is unfortunate to have a credit scoring company become the demise of my exitance here on earth. The erratic fluctuation and inaccurate accounts of my report are hindering me form attaining a vehicle or loan and an affordable rate. I have sacrificed and put kids through college, donated my time to help others and now this. 

I am asking that the good government that I placed my trust in all of these years step in and do better. My credit score is lower than it should be.
Product: Debt collection

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Debt collection

XX/XX/XXXX is reporting fraudulent activity on my account. I disputed the items, debt a certified letter with the proof they asked for and called them. They are still reporting the fraudulent activity even after I submitted my Driver 's license, FTC affidavit and explanations on how my identity could have been stolen. My driver 's license was stolen in 2018 and my email was hacked, along with my information at a hospital. Theives have my name, SSC #, email address and DOB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXXXXXX, TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXXXXXX 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 TN XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

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. Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. The statement shows a 30 days past de in the month of XXXX to XX/XX/XXXX and XX/XX/XXXX. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
CAPITAL ONE BANK XXXX ***** Openede Date : XXXX XXXX, XXXX Balance {$1000.00} CAPITAL ONE ***** Opened Date : XXXX XXXX, XXXX Balance {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 48 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Consumer Loan

This car was a total loss XX/XX/XXXX. The pay off was {$18000.00} XXXX paid {$16000.00} XXXX paid {$580.00} XXXX paid {$520.00} XXXX paid {$510.00} XXXX paid {$260.00} Add everything paid comes up to {$18000.00} That would leave {$310.00} left to pay. I have tried to talk to customer service several times to see way my bill is {$830.00}. I would like to get this resolved and paid if you could help me understand the difference between my calculations and yours. 
I would also like to know way you waited until XX/XX/XXXX to send a letter to XXXX to cancel and get payment from them.
Product: Credit card

Review the attached documents. I urge the bureau to initiate an investigation into these accounts, as I am consistently on time, yet they are erroneously reporting me as late.
Product: Checking or savings account

I am a victim of unauthorized ACH debits to my checking account. My account is with PNC, XXXX, MD. The fraudster 's credit card is issued and connected to my account by XXXX XXXX XXXX, XXXX XXXX, SD. Our names are not related. An amount of {$5600.00} fraudulently drained between XX/XX/XXXX and XX/XX/XXXX in 37 transactions. When the first time my account was debited, PNC did not seek my approval. XXXX XXXX XXXX  also failed to authenticate if their credit card holder is authorized to connect to my PNC account. 
PNC tells me that with my bank account number can attempt an ACH transfer to pay a credit card. This to me is a serious loophole. When I set up bank transfers between my bank accounts, I must verify small transactions before the regular transfer can be set up. There is no way to stop debits from my account by ACH I am told. 
PNC refunded only in part with their declared 60-day liability. I am unable to contact the XXXX XXXX XXXX because I am not their customer and when I call, I can not proceed. 
My interest is more than the recovery of my money. PNC says there is no way to stop this type of fraud until I detect and complain. Surely, fraud detection can improve from the Bank 's side. Criminals who commit financial fraud must also be punished. 
I seek your help for my personal cause and the social benefit to prevent fraud.
Product: Mortgage

I was awarded forward payments from HAF ( Homeowners assistance fund ) handled by XXXX on XX/XX/XXXX. I received my award letter and emailed it to Caliber. I was told payment was already sent over via check and allow XXXX business days for them to receive. Every time I call Caliber they have no knowledge of HAF and state no payments received and if payment should come through they are behind XXXX days in processing any assistance payments. They are unaware of my email sent with award letter attached and nothing on my file pertaining to HAF award. I feel Im at a loss with no communication.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate late payments appearing on my credit report associated with my account. However, these late payments are XXXX XXXXnd do not reflect the accurate payment history of my account.
Product: Credit reporting or other personal consumer reports

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I've received emails and letters saying I'm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit report that I don't recognize and didn't authorize. 

XXXXXXXX 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 XXXXXX/XX/XXXX There is also a SSN that is not associated with me that is listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 card

Chase conducted two hard inquires on my credit with out consent in the span of 30 days. Have since frozen credit with all three companies and added credit alerts.
Product: Mortgage

My home loan with account number XXXX shows it was late for XX/XX/2019 however the account was paid in full on XXXX XXXX, 2019. And closed .How is it possible for the account to be late in XXXX if it was closed on XX/XX/XXXX. 2019?
Product: Credit reporting or other personal consumer reports

MY NAME XXXX XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX todays date XX/XX/XXXX I looked and noticed on my credit report fraudulent inquiries I ask for these fraudulent inquiries to be immediately deleted and removed from my credit file I will list inquiries below thank you INQUIRIES : XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX  DEALER Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX XXXX  DEALER Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX date XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX U.S. Code 5534 - Response to consumer complaints and inquiries
Product: Debt collection

this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit.in XXXX XXXX 2014 I faxed over the police report and supporting document and they failed to remove these account with in the 30 day statue permitted by law. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over XXXX days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it's been XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( XXXX ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting or other personal consumer reports

Ally financial In XX/XX/XXXX there was a payment made to my account by error from an ally rep for the amount of XXXX. On XX/XX/XXXX I look at my car account balance and only see the remaining balance to be paid of XXXX to meet up the full XXXX. Made payment thinking they gave me a credit or something and did not think much of it.. XX/XX/XXXX made my regular payment of XXXX. 
XX/XX/XXXX I get a text message my account is past due, when look at the balanace they have reverse the XXXX error with no notice or letters or anything stating what happened and in the process set my account in delinquent status. After multiple calls and arguments I finally got an explanation of what happened which it also affects my mothers report since I am co-signing for her car. Finally on XX/XX/XXXX Come up with a solution as no one at ally financial offered any so requested a payment arrangements extension, it was approved but I will need to make my current payment for XXXX which was fine, I asked to make the payment the following day XX/XX/XXXX since I get pay the following Friday and no one advise of any impacts to my score Come XXXX, I get an alert my credit dropped almost XXXX points since they reported the account as missing a payment.. I have fought with this people enough and I am asking for help at this point to finally get this issue corrected.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

This Account was open XX/XX/2020 The Collection amount is {$620.00} it have been two late payment XXXX XXXX, saw it in my credit report and I never had open this account Credit Report Period XX/XX/2020 I call the creditor and they say is a cable company the company Name is XXXX XXXX # XXXX THIS COMPANY IS IN XXXX XXXX AND I LIVE IN New Jersey. 


I.C. SYSTEM, INC XXXX XXXX XXXX XXXX  XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in addition to complaint : XXXX. 

This information has been forwarded to Attorney Generals : XXXX XXXX  ( Florida ) XXXX XXXX ( Maryland ) This information has been forwarded to XXXX XXXX the Director of the CFPB. A lawsuit will follow.