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

I applied to see if I would get pre-approved for an auto loan today XX/XX/20 but unfortunately I was not because apparently there are four accounts reflecting badly on my credit report. The accounts were opened with these companies. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. None of those accounts belong to me ; I have ever opened an account with any of those companies and I have never allowed anyone to open those accounts in my name. I have never signed any contract or agreement with those companies nor did I get anything out of those accounts such as money, goods, services or any other benefit and I never made payments towards those accounts. I don't know who opened those accounts without my permission but I have already filed a police report with all of the information I have in the moment. I also filed a compliant with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
5.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
6Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
7.Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
13. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
14. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit card

Ref : Capital One Bank Credit Account # XXXX I contacted Capital One 's fraud department via phone on XX/XX/XXXX to inform them of multiple unauthorized charges on this account from vendors I did not recognize. I was told an investigation would be opened and I would be sent an update in writing. 

It is now XX/XX/XXXX and not only have I not received any information in writing regarding this investigation, I now see multiple new charges from the same vendors on the card. I had paid my last statement balance in full ( including disputed charges ) on XX/XX/XXXX since I had not heard from Capital One and did not want to be assessed late fees or penalties. 

Capital One now informs me that it will take 1-2 billing cycles to resolve the fraudulent claims and that in the interim they will not issue credits. So due to the lack of efficiency of Capital One, the consumer, has to pay unauthorized charges. Not only that, despite me having flagged unauthorized charges from vendors, they continued to authorize charges from these same vendors despite the card number having being changed. The explanation for this is that XXXX has updated the vendor with the new card number. So, to sum up, despite me flagging a vendor as having made unauthorized charges on my account, Capital One has seen fit to go ahead and without my permission update the vendor with my new card number and then had the gall to actually authorize further charges on the card. 

This is a travesty of consumer rights. I did not give Capital One any permission to update vendors when my card number changes. In fact, I want quite the opposite. Why is this being done? Is this legal?
Product: Debt collection

This company keeps calling for XXXX XXXX and XXXX XXXX XXXX XXXX. This is not either of them and I have told them that.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : 1. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} 2. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} 3. XXXX XXXX XXXX XXXX. Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$180.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I settled an old incorrect debt I had with XXXX XXXX XXXX on XXXX, per attached letter from XXXX. I called Enhanced Recovery Company several times and they literally made fun of my plea to close the account and not to send it to the credit reporting agencies. There are over XXXX complaints on this site about ERC and wonder when will the government put an end to their totally illegal and aggressive debt collection practices.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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
Product: Mortgage

On XX/XX/XXXX, I received loan modification paperwork by Flagstar Bank to modify my mortgage loan on the property I occupy as my residence. Included in the loan modification was a partial claim promissory note to the Department of XXXX XXXX for {$43000.00}. The loan modification updated the new principal loan amount to {$200000.00} from {$240000.00}. The partial claim accounting conducted by Flagstar Bank violated federal code ( Title 38, Chapter 1, Part 36, Subpart F, 38.4805 ) by allowing for additional funds that were not authorized by the partial claim program to be used to modify the loan. The original mortgage payment was {$1300.00}. During the COVID-19 pandemic I was granted a forbearance of 12 contractual payments, totaling {$16000.00}. Using 38.4805 as guidance the amount for the partial claim should have been {$16000.00}. I signed the loan modification documents assuming that Flagstar followed the required federal guidelines for the partial claim instrument. The loan modification paperwork I signed, including the partial claim loan promissory note, stated that the partial claim loan was " not assumable without the approval of the XXXX of XXXX XXXX or its authorized agent ''. I realized their accounting error in XXXX of XXXX. The second federal violation occurred when in XXXX I attempted to refinance my home loan through another lender ( XXXX XXXX  ) in XXXX of XXXX. The underwriters at XXXX XXXX  found that Flagstar had issued a secondary XXXX on the title of my home without the approval of the Department of XXXX XXXX, and XXXX Mortgage had not received any information from either the VA or Flagstar regarding loan pay-off amounts to complete the refinance. When I attempted to obtain the payoff of the entire loan through Flagstar in XXXX of XXXX, representatives of Flagstar directed me to the VA and XXXX XXXX ( servicer of the partial claim ). After speaking with representatives of the VA, the VA had rejected the partial claim submitted by Flagstar due to insufficient information, including the accounting used to calculate the partial claim. XXXX XXXX has no record of the partial claim submitted to their offices. Flagstar fraudulently initiated a lien on the title without having received permission and approval by the XXXX of XXXX XXXX ( or his/her representative ). Flagstar was directed in XX/XX/XXXX by a supervisor at the XXXX XXXX XXXX XXXX XXXX to releases the partial claim XXXX on the title, yet to this day has still not corrected their error or released the lien. Due to the mismanagement of my mortgage account, I am in immediate danger of losing my refinance terms and opportunity. My attempts to reconcile this issue with Flagstar have been unsuccessful, including at least 10 phone calls between XXXX and XXXX of XXXX. Flagstar Bank is also attempting to violate the terms of the loan modification by adding the {$43000.00} to the total mortgage loan amount owed without prior agreement by myself or the Department of XXXX XXXX.
Product: Credit card or prepaid card

My credit card was compromised while on vacation in XXXX and resulted in {$2800.00} in fraud charges, despite being on an XXXX XXXX flight one hour before these charges occurred the fraud department deemed these charges are authorized. It was impossible for me to authorize these charges on the ground in XXXX while sitting in an aircraft XXXX feet in the air. I've presented flight information and can also provide cellphone GPS to prove that I was not present at the time or location of these charges. Additionally, after bringing these charges to the attention of XXXX XXXX Department my card was deactivated but was again used in XXXX on XXXX while I was on an XXXX Train from XXXX NY to XXXX XXXX NY. 

During these transactions in XXXX, the card was in my wallet and was not used by me nor was it authorized by me to be used by anyone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues and refused to stop reporting false information on my credit report that does not belongs to me and because of that I have been refused housing 2 times. Experian has refused to follow the guidelines under the fair credit reporting act and has not provide me the proof that these accounts are mine, they continue to lie to me and send the same statement that says verified, but I never see any proof that these derogatory accounts are mine. I am asking Experian to bring me verified proof as mandated by law and please deleted these deragatories from my profile. These items are XXXX, the XXXX, XXXX XXXX/XXXX XXXX XXXX. I would also like to opted out of Experian reporting because they have continue to destroy my financial life as if it is a joke. Please deleted these items from my credit report because it is very clear that Experian does no investigation they just send me a XXXX  letter that says verified. I will take legal actions against Experian if these deragatories and all those unauthorized hard inquiries are not removed from my credit files immediately. I am asking to opted out of Experian credit reporting. I am sick of the false reporting that has cost me a mortgage loan on a house twice. I have written to XXXX, XXXX, XXXX   XXXX/XXXX XXXX XXXX and theyve told me that they have nothing in their files to prove these accounts are mines, so why is Experian lying to me and refusing to delete these items thats clearly not mines? I will sue Experian if they do not take these things off my credit profile. I have no other choice now.
Product: Payday loan, title loan, or personal loan

Money loin has been paid what I owed them. 
They have approved me for XXXX XXXX witch was used, and re paid Money loin also approved me for a {$500.00} credit line witch I can not with draw unless the {$500.00} is paid over time by myself. 
In a photo below you will see that money loin was re paid for the XXXX XXXX loan. But the credit line was never used and the company is insisting that I owe them money that was never received by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX regarding several items reported negatively on my consumer report. I advised them that they were in non compliance per 15 USC 6801-protection and non public personal information to report my transaction information. I did not consent for my transactions to be reported. These are the companies that I am filing a dispute on : XXXX, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$4300.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I was at XXXX. A XXXX XXXX representative asked me to punch in my social security number in order to determine if I qualify for service with them and did not have any outstanding accounts. I asked to make sure it was NOT to run a credit inquiry, and was ASSURED it was not. However I now see it on my credit report as a hard inquiry!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number # XXXX and still have not receive any information.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.

Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the inquiries being on my credit report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have had XXXX credit cards with Capitol One. I cosigned a auto loan for my daughter. When I attempted to access my credit card accounts the login had changed. They had linked my daughter 's auto loan with my credit card without my permission. When I asked them to unlink these accounts, they refuse. I recieved and email that they will be closing my account for non use. I have not used the credit cards because I am unable to access the accounts to check billing and to pay the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company is showing that I paid my mortgage late though I spoke with their agent who advised nothing would be reported to my file as long as I paid as agreed. The company states they did but have never provided the recording to qualify this statement. Im being penalized as a consumer and this is unjust and unfair. Upon discovering the discrepancy and incompetence of said agent I immediately remedied the issue. Please remove this from my file as soon as possible
Product: Credit reporting or other personal consumer reports

I DONT RECORNIZE THE FOLLOWING ADDRESS. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX  XXXX. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a student loan that should not be reporting on my credit because I am still in school, and should still be deferred. This decreasing my FICO Score really messed up a lot of opportunities for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  CC Ending in XXXX In XXXX of 2020 I called XXXX XXXX  Credit card and told them I had the XXXX. They stated to me it was no problem, that my payments would not be marked late. When I went back to work the end of XXXX I called XXXX XXXX  on XX/XX/2020 and paid the account in full. On XX/XX/2020 XXXX closed the account and put it in " charged off '' off status on my credit report after paid in full. The late payments during the XXXX  months and the charge off after payment in full has severely damage my credit. XXXX XXXX refuses to fix. This is unacceptable that a credit card company not only mireported late payments and a charge off and refuses to correct the tradeline on my reports!
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau 1700 G Street NW Washington, D.C. 20552 Subject : Disputed Bill and Credit Damage Dear CFPB, I am writing to bring to your attention a serious issue related to an outstanding bill that has been inaccurately associated with my name. The bill in question, totaling {$XXXX}, does not belong to me, yet it continues to negatively impact my personal credit and various aspects of my life. 
Here are the key details : Erroneous Bill : I have never incurred any debt or financial obligation amounting to {$XXXX}. The display of this bill on my credit report is both unjust and damaging. 
FTC Report : I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter. Despite my efforts, the bill remains unresolved and continues to tarnish my credit history. 
FCRA Violations : The collection company, Central Portfolio Control, is violating several provisions of the Fair Credit Reporting Act ( FCRA ). These violations include : Accuracy : The bills inclusion on my credit report is inaccurate and misleading. 
Verification : I have requested verification of the debt, but the collection company has failed to provide adequate proof of its validity. 
Harassment : Central Portfolio Controls relentless pursuit of payment, despite my dispute, amounts to harassment and violates my rights under the FCRA. 
Extortion : The collection companys actions border on extortion. They are attempting to coerce me into paying a debt that I do not owe, causing undue stress and financial hardship. 
I kindly request that the CFPB investigate this matter promptly. I seek the following remedies : Immediate Removal : The erroneous bill should be promptly removed from my credit report. 
Corrective Action : Central Portfolio Control must cease all collection efforts related to this debt. 
Penalties : The collection company should face appropriate penalties for violating FCRA regulations. 
I appreciate your attention to this urgent matter. Please find attached relevant documentation, including my FTC report and correspondence with Central Portfolio Control. 
Thank you for your commitment to consumer protection. I trust that the CFPB will take swift action to rectify this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account number - XXXX account name XXXX XXXX XXXX XXXX XXXX XXXX account name XXXX XXXX - XXXX account name XXXX XXXX XXXX Has violated my rights. 

15 us.c 1681 section 602 A. States I have the rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in a request to remove inaccurate fraudulent information to all 3 credit bureaus Only two CRA that verified the information as accurate which they did electronically, which I stated I did not want them to do, since the information will match up do to my sensitive personal data being compromised. I've called, faxed and mailed in information to support my claims but to no avail. My calls are routed to a call center outside of the USA, and they are not much help and can never locate the information I've mailed to the bureaus address. I stated over the phone and in previous letters that I am not submitted a normal dispute, I am reporting fraud, and would like the account removed. I've consulted with each furnisher in question, and they are aware, however you continue to report these accounts, no other bureaus do.
Product: Credit reporting or other personal consumer reports

I was needing some financial relief so I filed bankruptcy in 2021 a XXXX XXXX. I was informed that I didnt need to file and I withdrew and the bankruptcy has been dismissed, and there are 3 cases that have been dismissed. I have attempted to get these removed from my credit report. And I did not give the courts permission to place the cases on my credit report. I have called to get them removed. I have submitted disputes with the credit bureau and they will not remove them, I have uploaded documents showing that the cases were filed incorrectly.
Product: Debt collection

Bloomingdales has violated my rights because they failed to provide proof that this account belongs to me. I did not open up a bloomingdales account. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX- the payment history and timeliness of your payments are not being reported. This will be the second time I have disputed the reporting of this account not being accurate.
Product: Credit reporting or other personal consumer reports

I have repeatedly asked that they remove XXXX XXXX account XXXX from my report .This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. This account is reported in my Identity theft FTC Report Number : XXXX XX/XX/year>. 

Transunion repeatedly sends me back and saying everything is complete and accurate. According to the law they are suppose to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure. They refuse to do so.

Included is My Report attached with my Identity verification.
Product: Checking or savings account

XXXX XXXX service members wife accrued lots of overdraft fees over the years. Looking to have them all refunded.