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

I have disputed these fraudulent accounts on several occasions since XXXX when I discovered the information on my account. When I finally was able to get them removed by dispute process. The information was re added back on my account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not my accounts. This has ruined my attempts to purchase cars and house for my family. 
This is fraud an I need them to remove and not add it at a later time.
Product: Debt collection

Back in 2014 I went to a car lot called XXXX XXXX. Was under the assumption that I was doing By-here-pay-here which doesnt include a financial bank. I gave the car agent {$500.00} down and he said hed work out the rest. He actually opened and fraudulent applied for an loan told the financial bank Credit Acceptance that I put down {$1300.00} just to get me approved. I didnt know until I started getting notifications in the mail. Within a month the car went down and had to be given back to the car lot. Once I talked again to Credit Acceptance they agreed to close the account and advised me they do not lend to that car lot again. A police report was made because my informs was used to open this account. I have that filed with XXXX Police Dept. They representative I spoke with at Credit Acceptance her name was XXXX and to this day this loan is still on my credit report fraudulently.
Product: Checking or savings account

Citibank ran a promotion Fall XX/XX/XXXX that stated if an individual opened an account and deposited {$15000.00} with the deposit remaining in the account until XX/XX/XXXX the individual would receive a {$400.00} deposit into their account. I opened an account, deposited the funds required and did NOT receive the {$400.00} promotion. I contacted Citbank and they related that I did not enter a code when setting up the account. No information was provided during the promotion that a code was necessary. I would appreciate any intervention with Citibank to receive the promotion amount as I experienced this process as a fraud.
Product: Mortgage

Towards the end on XXXX I applied to refinance a mortgage loan with Wells Fargo. ( The property was financed with them ) I spoke to a representative gave them all of my info including income. I have multiple sources of income I gave them XXXX. I also told him about the additional income. I was told that the XXXX sources provided was enough. I was told everything looked good he just needed to get final approval from a supervisor. I'm a XXXX XXXX XXXX  with over XXXX years ' experience so I knew things were fine. After a day or so not hearing anything or having my calls returned. I finally spoke to the representative, he explained I was denied due to excessive late payments. I inquired about the late payments he was referring to and I was told I would receive a letter in the mail, he didn't have any additional information. I immediately went on XXXX XXXX and pulled up that account. I obtained that mortgage in XXXX, there was only XXXX late payment in XXXX of XXXX. I took a screenshot and emailed it to the representative requesting an explanation. He never responded. I later received a letter stating my income was not enough. XXXX things, my income was never mentioned by the Rep. I had more taxable income that could have been used and they made no mention of " excessive late payments ''. I contacted Wells Fargo again and I was told the decision was final. Granted, I no longer wanted to do business with them anyway, but I did want an explanation. Within that week I applied for a refi with a different mortgage company with those same " XXXX '' forms of income and was immediately approved. Not only did that property get refinanced I purchased XXXX additional properties within months of Wells Fargo 's denial.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Charge off XXXX XXXX Date XXXX Balance : {$970.00} XXXXXXXX XXXX XXXX XXXXXXXX Date XXXX Balance : {$9500.00} Late/Open XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Late/Open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to conduct a proper investigation into my disputes and for accusing me of using an unauthorized third party to submit my requests. I mailed a dispute letter to TransUnion, disputing inaccurate personal information and accounts on my credit report. 
To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address I mailed my initial dispute letter on XX/XX/year>, via USPS certified mail ( tracking number XXXX ). On XX/XX/year>, I received a response stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. '' This response is puzzling, as all prior communications were sent directly by me and included all required information. 

According to the Fair Credit Reporting Act ( FCRA ), TransUnion is required to conduct a reasonable reinvestigation of any disputed information in a consumer 's file. It appears that TransUnion has violated my consumer rights by failing to investigate my disputes, falsely accusing me of using an unauthorized third party, and not responding to my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax reported XXXX XXXX XXXX date of first delinquency was XX/XX/XXXX. XXXX  reported on XX/XX/XXXX that XXXX XXXX XXXX will continue on record until XX/XX/XXXX. Then, on XX/XX/XXXX, XXXX shows XXXX  reported XXXX XXXX XXXX will continue on record until XX/XX/XXXX. This is the inaccuracies I've been disputing for a couple of years. There has not been any changes. I've even sent a copy of XXXX  deletion of XXXX XXXX XXXX. Equifax still verified everything reported was correct.
Product: Credit reporting

Failed to provide a free credit report in a timely manner, asked for verification of my address that was already in their records and I lived at longer than 6 months and had already been reported by other creditors, once I finally received the report I filled disputes on collections accounts as they are already paid in full. Customer service does n't speak XXXX very well and there seems to be a lack of communication. I also concerned about about my low Fico score I see only XXXX collections everything else is in good standing so how is it that out of XXXX points I 'm only getting the low XXXX as a score a XXXX point difference over XXXX negative accounts..I 've work very hard in the last few months paying outstanding debts and reducing credit utilization on my credit card account at less than 30 % and a furniture account about 50 % none of which are late or ever received a last payment so where 's this score coming from?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  MUST RE-DELETE WAYFAIR BY COMMENITY ACCOUNT, THIS ACCOUNT WAS DELETED ONCE BEFORE AND WAS PAID IN FULL BY XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am certain you are aware that threatening legal action without the intention to follow through is illegal. Thus, be informed that I am resolutely serious about pursuing legal action against your company. I have sent numerous letters requesting that you investigate and remove all inaccurate information reported on my credit profile, yet you persistently fail to comply. It is my understanding of the law that you are obligated to honor each request to investigate incorrect information, which you have evidently ignored. This blatant disregard is a clear violation of the Fair Credit Reporting Act ( FCRA ), which provides individuals the right to take legal action against consumer reporting agencies and furnishers of information for non-compliance, including penalties and liabilities. 

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

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$17000.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$12000.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$220.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance Owed : {$420.00} ; XXXX XX/XX/2021.
Product: Payday loan, title loan, or personal loan

XXXX FACTOR TRUST & XXXX XXXX XXXX I have reported these companies before for unwanted contact. I did not opt in. I was told I would not be contacted again. And I am still receiving physical mail and email solicitation. 

I have requested not to be contacted. EVER. I did not change my mind. I do not wish to enter into business with these companies. 

My privacy is continually invaded. I now have to provide identity theft information to conduct business with other companies for this continuous invasion of my privacy. 

Stop the unwanted contact.
Product: Mortgage

Gateway Mortgage, a division of Gateway First Bank, XXXX XXXX, sent me confirmation of my loan being paid off and a lien release issued in XXXX of XXXX. 

Reporting to credit bureaus of no activity since then. 

As of today Gateway mortgage is wrongfully reporting my acct now showing a Past due status as of XXXX of XXXX and now showing a balance of {$560.00}. They have somehow added a balance back on to the mortgage, that was paid off, and then retro-actively hit me with late reports all the way back to XX/XX/XXXX. 

This is a huge error on their part and needs to be resolved immediately. 
I was notified by all my credit monitoring today of this error. This can potentially cost me my livelihood as I am a XXXX XXXX XXXX and being behind on a mortgage is a huge no no in terms of being licensed. 

I have attached a downloaded report as of XX/XX/XXXX showing no activity and the acct closed. I have attached a report form today shows all of the negative activity. 

Thanks.
Product: Credit card

I received a card in the mail with my address and someone else 's name. I refused to open the envelope as I intended to mark it as return to sender, but wanted to notify the lender ( Chevon XXXX Cards via Synchrony Bank ) so they could pursue the potential fraud more expeditiously. Because I was unwilling to provide an account number, the agent hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an account that was included in my bankruptcy that wasnt suppose to be, I had an auto loan with New City Funding around 2016, I paid the loan in full as agreed but for some reason that account was included in bankruptcy and that isnt correct, I contacted New city funding and asked if they can update the account on my credit report to say paid as agreed never late but they didnt seem to care because the account still has the same status of discharged in bankruptcy. I want the account updated or deleted from my credit report.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX are reporting inaccurate information on NATIONAL CREDIT ADJUST. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit card or prepaid card

I filed a dispute with capital one/Walmart on XXXX.i informed capital one/Walmart that I am disputing their claim.moreover I requested that capital one/Walmart supply me with copy of the contract with my authentic signature.capital one/Walmart never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one/Walmart failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars
Product: Debt collection

Received letter from Perdue Brandon Fielder Collins & Mott LLP on unsubstantiated & false traffic ticket debt with threat of court action leading to arrest. No option to verify debt and they didnt properly disclose themselves as a debt collector. Also Texas Statue of Limitations on traffic tickets is 2 years and any tickets since I last was in the town they claimed would have been nearly 20 years ago so the debt is also invalid due to this. They didnt mention any details about debt owed other than a case number and the city. They are impersonating a government Mandated official. Possibly impersonating as the court or as my lawyer by making me enter a Guilty/Not Guilty Plea.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report and have no idea why theyre there. I checked as I usually do, and this time, unexpected discrepancies were glaring at me. I even refreshed the browser, hoping it was a glitch, but the inquiries remained. I urgently need the documents Ive submitted to be reviewed in full, so I never have to worry about such issues again.
Product: Debt collection

XXXX contacted me by phone about an utility bill for a home which I have NEVER lived in. I told XXXX rep that was not my debt, they mailed me a package with bills for a home in XXXX NY. I have NEVER lived in XXXX at such address. Today XXXX I received bill from a Collection Agency which I don't even know whey they took this debt without verifying if it was mine! I don't want ANY collection agency harrassing me for a bill that is NOT mine! I need this company to stop communication with me immediately and remove this debt from their file! This is NOT my bill and XXXX knows that! They also claim its from XXXX I lived in XXXX in XXXX This is an OLD debt past statue of limitation in NY and its also NOT my debt.
Product: Credit reporting or other personal consumer reports

Complaint Against Capital One for Failure to Respond to Debt Validation Letter.

Dear Sir/Madam, I am writing to file a formal complaint against Capital One for their failure to respond to my debt validation letter dated XX/XX/2024. Despite my explicit request for verification of the debt, Capital One has neglected to provide the necessary documentation within the legally mandated timeframe. 

As outlined in my original correspondence, I provided Capital One with ample opportunity to furnish the supporting documents and probable evidence regarding the alleged debt referenced by account number XXXX. However, despite the passage of more than 30 days from the date of my initial letter, Capital One has failed to comply with federal laws governing debt validation. 

Their willful negligence in addressing my concerns not only violates my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practice Act but also exacerbates the financial distress and emotional burden I have endured due to this unresolved matter. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure that Capital One fulfills its obligations under the law. Additionally, I request that the Bureau notify me of any updates or resolutions regarding this complaint.

The creditor is in clear violation of the federal laws listed : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 1681i - Procedure in case of disputed accuracy, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1692b 804. Acquisition of location information, 15 USC 1692c 805. Communication in connection with debt collection, 15 USC 1692d 806. Harassment or abuse, 15 USC 1692e 807. False or misleading representations, 15 USC 1692f 808. Unfair practices, 15 USC 1692g 809. Validation of debts, 15 USC 1692i 811. Legal actions by debt collectors, 15 USC 1692j 812. Furnishing certain deceptive formsand shall be held liable under penalties of the state pursuant to 15 USC 1692k 813. Civil liability, 15 U.S. Code 1681n - Civil liability for willful noncompliance, 15 U.S. Code 1681o - Civil liability for negligent noncompliance.

FDCPA 809 ( b ), 15 USC 1692d 806, 15 USC 1692c, 805, FCRA 15 U.S.C. 1681c, 15 U.S.C. 1681e, 15 U.S.C. 1681i, 15 U.S.C. 1681n, and 15 U.S.C. 1681o, has resulted in significant harm to my financial well-being and reputation. 


Please find enclosed a copy of my original debt validation letter sent to Capital One for your reference. 

Thank you for your attention to this matter.
Product: Debt collection

JEFFERSON CAPITAL SYSTEM REPORTED ON MY CREDIT BUREAU THAT I OPENED A XXXX ACCOUNT ON XX/XX/year> ( 3 MONTHS ) AND IT WAS PLACED AS A COLLECTION ITEM IN MY CREDIT HISTORIES. 
I DID NOT OPEN ANY ACCOUNT WITH XXXX. 
IT MUST BE A MISTAKEN IDENTY. 
I AM REQUESTING THAT JEFFERSON CAPITAL SYSTEM REMOVE THE COLLECTION FROM ALL CREDIT BUREAUS WITH IMMEDIATE EFFECT AND THEY SHOULD SEND ME THE ORIGINAL CONTRACT SIGNED BY ME WITH THE ORIGINAL SIGNATURE, THE NAME ON THE APPLICATION, AND THE ADDRESS INCLUDING ANY SUPPORTING DOCUMENT FOR THE APPLICATION.
Product: Credit card or prepaid card

Elan Financial Services sent XXXX PLATINUM CARD AGREEMENT with no identifying information as to which company they are performing credit servicing for. I contacted customer service at XXXX XXXX on XXXX XXXX and spoke to XXXX ( they record conversations, per XXXX ). She requested my SSN and I declined as uncertain whether this was a scam. 
She was unable to locate an account for me using my complete name and mailing address. She stated " this is probably a scam letter ''. I commented " are you a scam as all phone numbers point to you ''? She said " no, as i didn't give her my SSN ''. I advised her at that moment I would be reporting them to the XXXX, Fair Trade Commission and Office of the Attorney General. 
Thank you, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was sent an extra day grace period for my account being overdrawn. It says that I have till XXXX XXXX to make a payment so then I dont get any overdraft fees. I paid the whole amount that was overdraft by XXXX XXXX  and today. I checked and the funds were in my account. Today I woke up with two overdraft fees each of XXXX XXXX This when my account was already in a neutral balance of {$0.00} ( previously at XXXX {$44.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

HAVE BEEN TRYING TO RESOLVE THIS CREDIT REPORTING INACCURATE INFORMATION WITH RISE CREDIT FOR A FEW WEEKS NOW. RISE REPORT MY PAID IN FULL ACCOUNT AS 30DAYS DELIQUENT. I DID CONTACT RISE AND T.HEY HAD A REP NAME XXXX WORKING ON MY ACCOUNT TO ENSURE THE INACCURATE CREDIT INFORMATION WAS CORRECTED TO REFLECT THE ACCOUNT PAID IN FULL ACTUALLY THE ACCOUNT WAS PAID COMPLETELY. HOWEVER IT HAS BEEN A BACK IN FORTH ISSUE WITH RISE THE INACCURATE REPORTING TO CREDIT BUREAU CAUSED MY SCORE TO DROP 30 POINTS WITH ONE AGENCY AND XXXX POINTS WITH ANOTHER. WELL TODAY XX/XX/XXXX RISE REPORTED TO THE CREDIT BUREAU THE ACCOUNT CLOSED THEY DID NOT REPORT THE ACCOUNT WAS PAID IN FULL BY ME. IT APPEARS LIKE RISE CLOSED THE ACCOUNT AND THAT IS TOTALLY NOT TRUE. I MADE EVERY PAYMENT WITH RISE ON TIME AND ALL PAYMENTS WERE MADE. I PAID THE ACCOUNT OFF AND THAT INFORMATION SHOULD BE STATED ON MY CREDIT REPORT ACCOUNT PAID IN FULL. THIS IS BEEN A CHALLENGING ISSUE TO GET RESOLVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently moved to XXXX and in the process some of my personal items have been misplaced. My wallet, dl, ss card, bank cards ect. i dont know exactly where due to the move to XXXX XXXX I tried using my credit last month and was denied for a home due to my credit. I have never used credit before so i dont know how this happened. I have alot of accounts on my credit report i did not open. in addition to the accounts listed on this form there is additional accounts and addresses that do not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX tx XXXX