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

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). I found that under section XXXX ( a ) XXXX, Equifax, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. XXXX attaching the required FTC Report for you ( which complies with FCRA XXXX XXXX ( q ) ( XXXX ) which states ( XXXX ) The term " identity theft report '' has the meaning given that term by rule of the XXXX, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, XXXX, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the XXXX ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Please block/remove these files. 

XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$17000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00}, and XXXX XXXX XXXX Opened : XX/XX/2016 Balance : {$32000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 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 I also have some inquiries on my credit report that I didn't authorized. 

XXXX Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AKA XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiries : XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capitol One Credit. 
XXXX I have reached Capitol One Credit dept and all 3 credits bureau to remove the delinquent filed by Capitol one XXXX of XXXX, after the account was paid for bogus interests. 

Here 's the scenario, Capitol one purchased Lord and Taylor Credit Card. XX/XX/XXXX, I paid the entire balance in full with a due date of XX/XX/XXXX. I always paid my store account Lord and Taylor in full and had no issued. 

I was told by Capitol one customer service, because I did not contact them for a payoff after the balance paid I owed interests from XX/XX/XXXX to XX/XX/XXXX in the amount of {$34.00}. 
Capitol one did not attempt to reach me by phone, or my current address. 

First notice received on XX/XX/XXXX contacted Capitol one and paid the amount due on XX/XX/XXXX. Capitol One file delinquency on XX/XX/XXXX and refused to remove it from my credit history. 

I have exhausted all avenues to resolve this issue. Capitol one report is incorrect as there was no balance due on my Lord and Taylor account. Capitol one added an additional interests daily to a XXXX balance account and refused to return the money or remove the incorrect information on my report. 
I am unable to refinance my home because of this delinquent on my credit history. I worked hard to keep my credit current, now due to the greed of Capitol one my credit has been tarnished for seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have really gone so far as to disregard my disputes. AGAIN, this state is unbelievable! Equifax and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Equifax so the reason we didn't get it '' doesn't occur but then its like nothing happened. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor? I want you to be responsive and REPAIR this account that caused me so much trauma. 

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

Dear Experian, I am writing to dispute the collection account reported by XXXX XXXX XXXX that appears on my Experian credit report. I have checked with XXXX  and XXXX, and neither of these credit bureaus show this collection account on their records. They have also sent letters in the mail stating they have no record of this collection and asked to verify my identity because of it. This discrepancy raises serious concerns regarding the accuracy of the information being reported by Experian, as required under the **Fair Credit Reporting Act ( FCRA ) **.

1. **Violation of FCRA - Reporting Inaccurate Information** Under **15 U.S.C. 1681e ( b ) **, credit reporting agencies are required to follow reasonable procedures to ensure maximum accuracy of the information in consumers ' credit reports. Experian 's reporting of a collection account that is not reported by XXXX or XXXX calls into question whether such procedures were followed. 

XXXX. **Violation of FDCPA - Failure to Validate Debt** Under **15 U.S.C. 1692g** of the Fair Debt Collection Practices Act ( FDCPA ), I have not received a proper debt validation notice or assignment contract from the collection agency, as required. This collection account has not been validated, and it is a violation for the collection agency to report this debt to any credit bureau without providing proper validation to me first.

Request for Resolution : I respectfully request that Experian take the following actions immediately : 1. **Remove the Collection Account** : Given that this account is not appearing on XXXX or XXXX and XXXX validation of the debt has been provided to me, I request that the collection account be removed from my Experian credit report. Although, I am requesting additional verification from both XXXX and XXXX as well. 

2. **Conduct a Thorough Investigation** : As required under **15 U.S.C. 1681i**, Experian must conduct an investigation into the accuracy of the information being reported. If this information is found to be inaccurate or unverifiable, it must be corrected or removed from my credit report immediately.

3. **Notify Me of the Results** : I request to be notified of the results of your investigation and provided with an updated credit report reflecting any changes. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I do not recognize certain items on my credit report. I am requesting that you immediately delete information off of my credit report that isnt mine. 
These accounts and inquires are not my and that my identity may have been stolen which I have included with this letter. 
Please find the attached documents.
Product: Money transfer, virtual currency, or money service

Dear XXXX loan officers I am requesting a credit of the total amount payment of {$19000.00} paid to the wrong XXXX loan account # of XXXX in the website : PayGov.com on form XXXX ; The problem is that back in XX/XX/2022 when I did set up, in the site XXXX, an automatic monthly payment of {$1400.00} from my JPMorgan Chase bank account # : XXXX routing # : XXXX to be credit to my correct XXXX loan # : XXXX, instead there was a registration error in the PayGov.com on the first digit instead of the first digit " XXXX '', it was the digit " XXXX '', the remaining digits of XXXX loan number are correct except the first of " XXXX '' of the loan number ; all the payments from my chase bank went to the this wrong XXXX " XXXX ''. The monthly payment of {$1400.00} was debited from my chase account regularly on the XXXX of each month and applied to the wrong account. I was not aware of these payments not being applied to my correct sba loan # until I received this week a telephone call from the XXXX loan servicing department informing me that my monthly payments are not received. Now I am requesting an investigation of where these payments were going to? whose account were the payments applied to? and to refund all the payments for a total of {$19000.00} ( wire payments from JPMorgan chase were being taken each month on the XXXX of each month, see attached chase bank statements ) Feel free to contact me for further questions at my cell phone # : XXXX. 
Please see my bank statements with each month payment as for the record. 
Truly XXXX
Product: Credit reporting or other personal consumer reports

Part 2 of a previous complaint that I've filed, Complaint ID : XXXX, now dealing with Experian. 

In short, an account in my name was opened under fraudulent means, one XXXX XXXX XXXX  XXXX Through conversations, investigations, and report filings, the original account holders, per their words through a letter, have closed the account. It is no longer a hard inquiry, however, the account is still listed as active and open on my Credit File/Report, impacting it.

Multiple attempts to explain this to Experian aren't working, so I am now filing a XXXX  complaint. I want these two companies to talk, discuss, and find a way to remove this, per XXXX XXXX XXXX words, no longer active account from my records. There is no account to pay, ergo, I can't close it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to dispute these 2 inquiries from citi bank/best buy and got a letter confirming that it would be removed since last year. Unfortunately i no longer have the letter to confirm that ... and these are still on my report. I want them removed
Product: Credit card

Southwest Chase credit card The offer was for a loan using checks to transfer & XXXX to where you needed it. YOu paid a {$5.00} transfer fee for the loan which was {$750.00}. It expires In XXXX of XXXX This was around the end of XXXX. The very first statement I received after the offer was accepted the bank XXXX out all the money I had in my checking and saving accounts.I had a giant - {$10000.00} plus on my checking account. Complete and total XXXX XXXX. 
There was absolutely no information about not having an automatic payment set up on the promotion as I went back and checked.

I immediately went to Chase bank and they told me that this was not from Chase this was a promotion from Southwest and I had to call them. I called them and after going from one agent to another they said they would straighten this out.

Fast forward after more calls I was informed that the {$5.00} fee was put on my credit card which I had to pay immediately at the credit card due date. I have- {$15000.00} on my credit card. My credit rating has dropped XXXX points. I was also told that if I wanted to pay it off early I would not get any credit back of the initial {$5.00}. I have cancelled all automatic payments from my charge card and I am not going to use it till the statement is paid in full. 

As an XXXX XXXX XXXX never having done this before I nearly had XXXX XXXX. As an XXXX  person I feel that institutions should make advertising easier for us to understand. 
My personal feeling is that when a banks name is on a charge card or an account they should be responsible for everything that transpires. 

Since then I have received this offer I have also received more offers from other airline/charge card/ bank companies worded the very same way. No warning about automatic payment set up.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Thursday XX/XX/XXXX contacted county clerk becauae it is incorrect information and shouldn't of appeared on background check
Product: Debt collection

I received a debt collection notice from XXXX XXXX XXXX, on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and a copy of the certified mail receipt ) I received an envelope from XXXX XXXX XXXX on XX/XX/XXXX. The contents had nothing I requested. 

I received a debt collection notice from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I sent a Validation dispute letter, certified mail on XX/XX/XXXX. ( attached a copy of letter with all information I requested and copy of the certified mail receipt ) As of XX/XX/XXXX, I have not received a response from Crown Asset Management, who is the sole owner of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

9 months ago I had to place a temporary freeze on my credit with Equifax. 

2 months ago I tried to lift the freeze. Equifax requested a copy of my social security card, but since they were obviously based outside the US I said I would not be sending that information. They said I could send my driver 's license instead. 

2 weeks later I received a letter stating that my credit was still on freeze until they received additional info. They said I could send a paystub. I called and they confirmed I do not need to send my driver 's license since they already have that information. I sent my paystub via fax as requested. 

2 weeks later I received a letter in the mail stating that my credit was still on freeze until they received my driver 's license. 

This appears to be an endless loop in which they continue to hold a freeze on my credit. 

I have tried calling but they will not help me until they receive a copy of my social security card, which I will not send to an overseas call-center. 

How do I get help with this situation? 

The last person I spoke with at Equifax was named XXXX but they would not disclose any additional information.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account containing fraudulent charges after providing them with relevant data. ( Dispute and Police Reports ) They responded saying that the account is verified. I reached out to the creditor and all they can tell me is that the account has information matching a public record pertaining to me. The account or the charges can't be verified, only providing billing statements.
Product: Mortgage

My husband past away a year ago and I found out the loan we have with PNC is a interest only loan. We have paid XXXX since XX/XX/2006 and the loan was only for XXXX and I have already paif XXXX. I'm wondering what I should do plus I thought this was against the law and the banks had to notify the comsumer when the housing market crashed due to this kind of practice. I really need help to understand what I should do.
Product: Checking or savings account

There was an unauthorized transaction on my account by a bank in XXXX called XXXX XXXX for {$800.00} on XXXX and another on XXXX for {$100.00}. I submitted all the proof that was needed to show that I didnt not authorize this and they have been just giving me such a hard time about getting me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX XXXX XXXX app Additional information Account is in violation 15 usc 1681a Account charged off. {$3400.00} written off. {$4000.00} past due as of XXXX XXXX which is failure to report complete and accurate information. Showing a past due balance on a closed account is a violation of 15 usc 1681 As well is incomplete inconsistent and accurate information violation of 15 usc 1681 Experian shows payment history from XX/XX/XXXX to XX/XX/XXXX current and XX/XX/XXXX to XX/XX/XXXX delinquent and a past due balance and charged off XXXX does not have the account listed XXXX show no payment history and charged off All three were updated as of XX/XX/XXXX Each affect by FCRA LAW does not SHOW COMPLETE ACCURATE AND CONSENT I have given 30days for the investigation to properly be done and i do not believe it has been done and now I am DEMANDING THE ACCOUNT TO BE DELTED AND I WILL SEEK TO EXCERISE MY RIGHTS TO FILE SUE TO SEEK DAMAGES UP TO 1000.00
Product: Debt collection

This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts be verified or removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Rent Bureau, You are reporting a collection collection account that does not belong to me- remove immediately. 

Please see attached complaint.
Product: Prepaid card

I received an American Express gift card for {$250.00} from a coworker. I tried using the card at several different online stores and nothing worked. I keep getting declined. I called AMEX and they told me the card was activated and ready to go. I tried again and was declined. I cant use this card.