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

I have been impacted by the recent data breaches and my information has been compromised. I noticed a bit ago there was a fraudulent account being reported. The fraudulent account in question is a XXXX XXXX XXXX account. I have tried requesting a deletion of the account however, they have been reluctant to do so. Under Section XXXX of the FCRA, I request that this account is removed from the listed credit bureaus, as it is a result of fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the letter I mailed to Equifax, XXXX, and XXXX XXXX on XXXX XXXX, requesting a credit investigations. To date, they have yet to respond. They are supposed to respond inside of 30 days.
Product: Debt collection

I have received multiple communications from this XXXX XXXX XXXX, yet I already had sent an email about this matter to the XXXX  collections department, this is a credit card debt quited in XXXX XXXX and also I called before my credit card was cancelled, I was never informed of my details being shared with a third person and It turns out this is a third party, I just want to keep my account open so I can pay off this debt and also I would like my data to be protected since it it very strange this person has access to it and also the emails are not addressed to him at all. 

I also have been harassed by emails eventhough I already had contacted directly the bank and I started to make payments. 
This company is based on the US but the bank is from XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my current credit report from your bureau, I came across the disputed item, and I don't think this is 100 % correct. Would you please update this item from my credit report? 

XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Applied for a capital one card on XX/XX/XXXX and was told to wait for a decision. XX/XX/XXXX I received a email informing me i was denied. Then Saturday XX/XX/XXXX I received the reason why. Which was they could not verify me. Which is bogus, Capital one has put Not 1 but 3 hard inquiries on my Reports in total and it is not fair. If there was a problem regarding the application, i was not contacted at all. So instead Capital one decides to deny me. Which is ridiculous because my credit is fine. I got denied but approved for a XXXX XXXX card? It doesnt make any sense.
Product: Credit reporting or other personal consumer reports

I requested that a few accounts on my credit file be investigated for inaccuracies by Equifax starting XX/XX/XXXX. When there was no evidence that the investigation has been conducted, I sent two follow up letters on XX/XX/XXXX and XX/XX/XXXX. As of today, XX/XX/XXXX I have not received any notification that the accounts are being investigated nor have I seen any evidence on my credit file that the accounts in question are in dispute status.
Product: Debt collection

I have been going back and fourth with this debt collection company for almost a year now. I've reached out to the Credit Reporting Agency and the companies themselves! I've filed a XXXX  complaint, FTC Complaints and sent numerous letters and everything. But still nothing is happening at all it is still on my credit report. They sent me statements and bills with a completely different name and i told them that this is not my account, i never received any goods or products nor have i personally ever made a payment to this company on my account. This is causing me stress and really hurting my reputation.
Product: Debt collection

ProCollect attempted to collect on a debt that was not valid and never sent me notice that the debt collection process had started. They also reported this to all the major credit agencies without any notice to me. I only found out about the claim on a regular credit report check on XXXX. I never received any communication from the creditor ( landlord ) or ProCollect that there was a claim. The creditor has since admitted in writing that the claim was submitted in error and that I in fact owe no money and never did. 

ProCollect never verified the claim before filing the issue with the reporting agencies.

ProCollect submitted the claim to the reporting agencies and my credit score has dropped from over XXXX to XXXX foley due to this. This has been devastating to my financial health and it was all in error. 

I have all the supporting documentation that I was never late on a payment, am paid in full, and that the claim was submitted in error. All documentation has been submitted to the collector as well.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian, XXXX, and XXXX for their failure to investigate and remove multiple unauthorized and inaccurate accounts from my credit report, in violation of the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. For the past XXXX months, I have repeatedly disputed these accounts, providing an FTC identity theft report, an affidavit of truth, and supporting documentation, yet the credit bureaus have failed to take appropriate corrective action or respond within the legally required timeframe. 

Disputed Accounts Violating FCRA Regulations : XXXX XXXX Bank XXXX Added as an authorized user without my consent. 
XXXX XXXX XXXX debt buyer attempting to collect and report an account without proper validation, violating 15 U.S.C. 1681b ( permissible purpose ) and 15 U.S.C. 1681s-2 ( a ) ( furnishing accurate information ). 
XXXX XXXX XXXX ( XXXX ) Charge-off account with reporting inaccuracies and unlawful re-aging, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX account that has been misreported and unlawfully extended beyond permissible reporting limits, violating 15 U.S.C. 1681c ( a ) ( 4 ), 1681e ( b ), and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$970.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ). 
XXXX XXXX XXXX ( XXXX- {$910.00} ) Debt buyer illegally reporting and collecting without permissible purpose, violating 15 U.S.C. 1681b and 1681s-2 ( a ).

Legal Violations & Consumer Rights Violations : Debt buyers like XXXX Funding and XXXX XXXX XXXX are not original creditors and, under 15 U.S.C. 1681b, they lack permissible purpose to report or collect on these accounts without proper validation. 

The charge-off accounts ( XXXX XXXX XXXX and XXXX XXXX ) have been unlawfully re-aged, violating 15 U.S.C. 1681c ( a ) ( 4 ), which limits charge-offs to XXXX years from the date of first delinquency ( DOFD ). 

15 U.S.C. 1681e ( b ) and 1681i require credit bureaus to maintain accurate reporting and promptly investigate disputesall XXXX bureaus have failed to comply. 
15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting inaccurate or unverifiable informationthese accounts remain despite my XXXX months of disputes.
Product: Money transfer, virtual currency, or money service

am XXXX XXXX I been scammed from unscrupulous people of {$15.00} XX/XX/2022, taking advantage of my age and lock of knowledge of internet technology They call me with false identity, pretending to be of XXXX supervisor, telling me that all my accounts has been hacked that the scammers have my social security, my bank account and my address. 
In order to stop this I have to deposit {$15.00} cash to Bitcoin ATM.other wise I will lose everything including my house.they really scared me. 
They took over my cell phone, they did all the transfers from my savings account to my checking account, and told me to get cash from my bank to do the deposit ASAP, that they will put my money back to my account. 
This situation has cost me a lot of stress, mental, emotional, physical and Financial. at the point that I had see a XXXX to help me too over come this situation witch i am still struggling at the moment. 
Attached is all the evidence. 
Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following previous addresses listed on my Equifax and XXXX credit report are not my previous addresses : XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX MN  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX AZ XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX MN XXXX, XXXX XXXX XXXX, XXXX, MN XXXXXXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX, the previous addresses arent my previous addresses. The previous addresses do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information reported. The loan is not delinquent. The company website did not allow me to update the banking information. I attempted several times via email through their customer service. There is not way to reach by phone and the website is frequently not working.
Product: Credit reporting

Attempting to dispute issue with Equifax credit reporting company but have been unable to process. 
This account was Legally paid in full for less than the full balance several years ago through XXXX XXXX. 
On XXXX/XXXX/16 I submitted a consumer credit complaint but the issue was only corrected with the XXXX Credit Reporting Agency still showing on my Equifax & XXXX Credit Reports.
Product: Checking or savings account

In XXXX, XXXX, XXXX I had a business account with my company named, XXXX XXXX XXXX XXXX, Florida at Bank of America. Everytime I used my ATM card to buy lunch for my employees, and cleaning supplies, I would get an overdraft fee of {$35.00}. And sometimes it would add up a {$400.00} overdraft fee. I would walk in Bank of American and tell the bank manager that I keep getting a {$400.00} overdraft per week in my business account. Sometimes the lady would take off the {$400.00} overdraft or she take half the amount off. The bank took my money and never replaced it to my account.
Product: Credit card or prepaid card

account # XXXX This is a business credit card that serviced real estate investing business that is now permanently closed since XX/XX/2020. The business did not qualify for a Govt. PPP ( Corona Virus Emergency Loan ) and therefore had to lay off 10 employees and close the business.

As the responsible owner understanding that I personally guaranteed this credit card, I am WORKING hard to try to work out a solution with Capital One but Capital One has only offered to push payment dates back despite me alerting them to the fact that this is a LONG term issue and it needs to be addressed today. Resetting the payment date was helpful the first month, but now that we are in month 3, it needs to be responsibly addressed. 

I am in a position where I can " possibly '' make the payments on the card but at a reduced rate or structured payment plan. The current terms of the card on a CLOSED business due to COVID -19 is beyond unfair, unmanageable and can not continue. 

My attempts to handle this call with Capital One over the phone has been met with being put on hold for obscene amounts of time only to be told, " we can not help outside of resetting your monthly payment for 30 days but ALL interest will still accrue '' Unfortunately I am getting the feeling that Capital One wants to abuse the situation and squeeze every last drop of pennies out of its Business Card customers. According to the CARES ACT, financial institutions are obligated to work with customers and not outwardly push customers into poor credit reporting situations or bankruptcy. I should not have to be 60 days late to be assisted during this situation. That act would be predatory and unfair. 

Again, I am only asking for Capital One to assist with setting up a payment plan at a reduced interest rate without harming my personal credit due to the business closing in lieu of the COVID - 19 Pandemic. We all need help and I am trying to rectify this responsibly but I need cooperation!
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXXXXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
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 Experian, XXXX and 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 verified and update the following accounts completely from my Credit Reports : 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

XXXX Bank has an unethical and unfair method of reporting my account balance to the credit bureaus. I have only had this credit card for 2 months but for the 2 months they have given an inaccurate balance to the credit bureaus, For the last XXXX  months I have fully paid paid the card by the due date ( XXXX ) and had a XXXX statement balance. They are reporting my current balance on the XXXX of the next month of every month instead of my XXXX statement balance. This seems very unethical and unfair and would have no purpose except to hurt my XXXX XXXX, The have done this for XXXX months straight and I want their practice to stop,
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I express my deep discontent and irritation toward the existence of erroneous information in my credit report. Unsubstantiated accusations without proof are intolerable. Adherence to legal requirements is crucial. Submit evidence or eliminate inaccurate claims promptly. I authorize you to promptly deliver physical documentation and an updated credit report. Listed below are the Personal Information that are being challenged : Incorrect Current Address : - XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX Incorrect Name : - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I live in XXXX, Florida and here the residents do not report this to the police, they told me to simply fill out the FTC report ( and I have done that ).

I am getting alot of blow back by the credit bureaus and the companies on my report because I do not include a police report. I then tried to fill out a police resort in the next county to me ( XXXX  ) and that was denied because I do not reside there.

I have accounts, inquiries & incorrect spellings of my name that have not gotten corrected because of my lack of paperwork. I have been trying to get this resolved since XX/XX/XXXX. 
The following are the accounts in question : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

On XX/XX/year> my girlfriend and I walked into an Apple XXXX in XXXX XXXX XXXX to purchase an XXXXXXXX XXXX XXXX 
We have just recently moved to XXXX XXXX XXXX and instead of Apple sending a verification code to my phone to verify my identity during the purchase they decided to flag my account and block it. 
Since last week, I have been giving Apple credit card representatives all the required information they needed in order to lift the block on my account but they refuse to do so! They are telling me I have to wait 10 days in order to be able to use my account again! This is a discrimination against me and my girlfriend.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I lost my employment and immediately contacted the mortgage company to let them know and to apply for a forbearance. I was told by the loan XXXX they do not offer forbearance options and was told I can apply for a loan modification. The loan XXXX also informed that in order to qualify for a loan modification, I have to be 60 days past due on my payments. It is a requisite from the company but I can start the modification process. They also advised that the missing payments would be reported and I advised them that is unfair and an injustice. 

I was finally approved for the loan modification on XX/XX/2024 but they reported to all three credit bureaus those missing payments as late when I was forced not to make any payments while in the modification process and they do not offer forbearance options. This is an injustice committed and many homeowners will suffer the same issue due to situations that are not in our control.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I sent a request for an investigation under XXXX XXXX ( a ) to you in reference to the following account ( XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX  I received a letter advising that you " VERIFIED '' the information. I am curious as to how you verified this information and would like to receive physical documentation to support this erroneous information on my report. Ive been a victim of identity theft so there is no way you were able to verify anything. FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. Your company has been reporting unverifiable and inaccurate information on my credit report which has damaged my credit. I intend to litigate if this information is not DELETED from my report. Please do not " update '' or " verify this information again without doing a due diligence investigation. I am requesting to be provided with the written contract & physical documentation to support the information that is being reported on my credit report via XXXX mail. Screenshots will not suffice. Send my actual signature on a contract. As this debt is Not mine. I am asking for this verification because my credit score is important to me, and after learning of my identity being compromised I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do no send me a template letter in response to this request. I am in the process of planning a legal case, so I will need specific answers to the specific questions asked of you in this letter. I have faith that your establishment will do the right thing and truly investigate this matter and if you do not have proof the debt is valid which you will not because of identity theft then please DELETE the information. I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the items in question permanently expunged from my record. 

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

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, 2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : {$6900.00}.
Product: Debt collection

Over several months, I have been getting phone calls asking to speak with "   XXXX   XXXX   '' about credit management. That 's not me, and I 've never met a  XXXX . Every time I get a call about her I say, " I do not know a   XXXX   XXXX  . You have the wrong person. Please do not call this number again. '' However I still get harassed about this strangers ' credit card debt. The most recent call came from Midland Credit Management. The phone number that called me was (   XXXX   )   XXXX    I am not certain whether it has been the same company calling me in the past, or another debt collector, but they always ask for "   XXXX   XXXX   '' ( again, no affiliation to me ). I do not know how my phone number became associated with this account, but please help me disassociate myself.