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

I've reached out to the Company to remove all of the unknown soft inquiries on my reports. and to see how they are getting my information to make those inquiries. The company said they don't know and that soft inquiries can't be removed.
Product: Credit reporting or other personal consumer reports

I contacted the three major credit reporting agencies. I explained that I am a victim of Identity theft. I provided them my police report, DL, Social security card, FTC report, and now asking your agency to get involved. Some how all my credit profiles, are locked with the three major credit reporting agencies. I believe the individuals who stole my identity placed a lock on my profile. I need those lock removed.
Product: Credit card

XXXX ) XX/XX/year> statement received from credit card company. Credit card company declares in statement that " in light of changing market conditions the APR associated with consumer 's credit card does not reflect the cost of providing me credit including the costs related to my credit risk. '' XXXX ) Credit card company also declares in statement, " In making the decision to increase your APRs, we relied on information about you that was provided to us by XXXX. More detailed reasons why you are receiving these rates are contained below in the ( key factors that adversely affected your credit score ). '' XXXX ) Credit card company declares and threatens to close my account if I reject their added provision to ARBITRATION by willingly forfeiting my right to litigate any current or future claim in court effective XXXX XXXX Credit card company states that this ARBITRATION provision does not apply if I am subject to the protections of the military lending act.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting and convergent account XXXX  XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15USC 1682 Section 602 states I have the right to privacy.

15 USC 1682 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Checking or savings account

Ive been customer to XXXX for XXXX plus years. I have never had a problem with them until now. I tried using my card online to pay a phone bill. I have paid this bill in the past. The charge was declined, which was one. I then proceeded to charge it again and it got declined. I then received an email from XXXX stating if that transaction was me or if it was fraud. I let them know it was me and they asked for ID verification. I sent them the needed documents, thinking it was going to be resolved. I then received another email stating my account was locked due to suspicious activity. I was confused because I provided the needed documentation stating that declined charge was myself. They proceeded to tell me that my account is being deactivated for suspicious activity and that my funds will be held for review. This review could take up to 180 days. And XXXX basically informed that my funds will be available to me to be transferred out if they decide too. This is very frustrating because I never did anything suspicious and for them to hold my funds and then stating it might not be able to me in the future. Those funds are important because I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I havent sent various documents providing proof that Im the user of the account. I even stated the last few transactions. I provided pictures of my ID, a picture of myself holding my ID, my recent statement. I do not understand why my account is under review for suspicious activity when there wasnt any suspicious activity at all. And for them to hold my funds for 180 days is outrageous
Product: Checking or savings account

Unauthorized transactions made to my account totaling in more than XXXX. I lost my card and it was used on a XXXX. I did not authorize any of these charges despite what they say
Product: Student loan

Today my boss recueved a fax regarding garnushment of my wages. 
Navient my daughters lender, which is under a consolidation ATM, has begun harassing phone calls ( 10 or more a dayHome phone 5 a day on Mobile ), faxed my employer about wage garnishment and will not stop when reuested to STOP. They have simply increased agression since stopping calls to my daughter. My dughter is enrolled in a program to handle debt, taking steps to settle. These calls are unending and aggressive. 
They have more resources than the consumer and fear they will take my already limited resource.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has failed to verify the information on the credit bureau. 
XXXX XXXX XXXX XXXX The Bankruptcy Court has no jurisdiction over credit consumer reporting agencies and the court does not notify reporting agencies  when a bankruptcy case is filed, nor can the court request that a specific record be changed. Information on your credit report has generally been reported by your creditors and is gathered from public sources by the reporting agencies. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will re-check these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Ally Financial Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Debt collection

Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Credit reporting or other personal consumer reports

I sent my letter off on XX/XX/year>. I told the credit bureaus to investigate every piece of information on the account I have listed below. Also I have attached the letter I sent out and here is the tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 



Account : National Credit Audit Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete Accounts with all 3 credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My wife and I had lease an apartment on XX/XX/XXXX, and did not renew the lease XXXX, the property manager was not taking care of the units with COVID19 as for safety and health concerns we decide not to renew the lease and the property manager got really upset with us as they where losing tenants by the day. In late XXXX we received a letter stating we owed more that {$2300.00} and I have many times disputed this with the area manger as with the property manager and either I will get the runarounds that they will fix it or they will call me later and never have they made any attempt to fix the billing. I had paid in advance one full year of rental insurance and submitted this to them many times and they have been charging us since XX/XX/XXXX every month, also they have refused to send me an Itemized statement of the billing for utilities charging our account more than what the city was charging. Theres also 2 charges on the account that I have bank statements that where paid off and where still getting charged for them. They also charged XXXX rent when we moved out at the end of XXXX as we did not renew our lease. They are asking for fraudulent charges and I have submitted this to them many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 


XXXX XXXX XXXX XXXX {$530.00} XX/XX/2017
Product: Credit reporting or other personal consumer reports

Experian it is your duty to ensure that all information reported is consistent, complete and accurate. You have failed. I have sent three written dispute for XXXX acct XXXX XXXX to be deleted for reporting inaccurate information. The FCRA Compliance/Date of First Delinquency is required to be accurate so consumer know when how long the debt can be reported on a consumer report. Delete this account for reporting inaccurate information on FCRA Compliance/Date of First Delinquency is inaccurate XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX, Experian has XX/XX/XXXX. All three can't be accurate or correct. FCRA requires you to fix it or delete it. Please send the method of verification after the reinvestigation and updated consumer report. 

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

I sent a letter XX/XX/2021 asking them to validate the bankruptcy information reporting on my credit and I never got any response at all. Per the FCRA the information is automatically considered invalid, if it is not responded to within 30 days and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts to clarify the erroneous reporting within my credit report. 

please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXXXXXX Balance : {$290.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because JPMCB has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

ComenityBank/XXXX is in violation of my consumer rights according to the FCRA. I have sent affidavits to them as well as the violations the committed and they still havent complied or find a solution.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

I 'm not sure what the call was regarding. I received a call from Credence Resource Management this morning. The caller did n't identify the company she was calling from and when she began to ask identifying information ( asking me to confirm my address ) I asked what company she was calling from. She then identified the company. She said they have an account in my name and that she was calling to give me that information. I told her I 'd never heard of Credence Resource Management. She repeated I have an account with them and that she was calling to give me that information. I asked how I could have an account with a company I 've never heard of. There was a pause and then, sounding exasperated, she said goodbye and hung up. It was only when I did a XXXX search I 've discovered it is, apparently, a collection agency. I have no idea what they could be trying to collect on, I filed bankruptcy last year and it was discharged in XXXX. The caller was not being clear at all about the purpose of the call so it sounded like a scam. I 've selected the " Debt was discharged in bankruptcy '' option since I have a discharged bankruptcy, but I moved just over two months ago and while packing my desk stumbled across a small medical bill that had fallen behind a drawer. It was over a year old and was n't included in my bankruptcy since I had no idea it was still pending so I immediately paid it. So it could be that the issue is " Debt was paid ''. But those are the only options. I do n't have any debt now, and I 'm doing my best to keep it that way.
Product: Debt collection

I was contacted by this company who would only till me they were from ERC. I asked what this was about the guy refused to tell me. I told him to not call this number as it is a cell phone. I don't have any business with you and you do not have my permission to call. They called several more times after that one time being a lady who said sorry and hung up. I have only had this number for 6 months. I have never received anything from this company concerning a XXXX debt I know nothing about. This account was previously disputed though XXXX XXXX XXXX and found to be unverifable.
Product: Debt collection

I don't recall having a contractual relationship with HUNTER WARFIELD Account Number : XXXX.
Product: Mortgage

Please be advised that Wells Fargo has refused to turn over any " Debt Validation '' Documents. One of their executives claims " the request is too broad ''. Semms simple enough to me. It 's a standard debt validation asking what or how much do I owe and why I owe said amount. Keep in mind, this is a Wells Fargo area of expertise producing phony " TADA '' or ROBO-SIGNED documents that do not and have not ever existed.
Product: Credit reporting or other personal consumer reports

I have discovered an address and an account listed on my credit report that does not belong to me. I have listed the account and the address on the FTC report. The information listed does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen and compromise. I have file a police report. These account were open without my permission. This accounts are with the following collection agency : XXXX XXXX XXXX XXXX XXXX {$1400.00}, XXXX XXXX {$2100.00}, XXXX {$1200.00}, XXXX XXXX {$1300.00} ), XXXX, XXXX, & XXXX ( XXXX XXXX {$2200.00} ) XXXX XXXX XXXX {$960.00} ) XXXX ( XXXX XXXX {$770.00} XXXX XXXX ( {$590.00} ) XXXXXXXX XXXX ( {$1900.00} ) XXXX  ( {$240.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX i sent my initial dispute to experian highlighting inaccurate, incomplete data reporting on account XXXX.. i attached my initial dispute and the official credit report from their official experian credit report shown in attached images below. experian completed my disputed stating they updated this information. i provided them with sworn affidavit testimony that this information is still incorrect and requested sworn testimony. stating " that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present me with a certificate in testimony that the alleged accounts presented in Exhibit C are in fact compliant and not subterfuge? '' they did not reply. this affidavit also included a vivid picture of the incompleteness in the payment history of this account. i mentioned the dates that were missing that is causing this account to be inaccurate. as shown in images below. i stated in my affidavit that " this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting. '' they opened a dispute on this account and stated they updated this information. they made no changes to the account. there is still 3 years of payment history not reporting. the payment history shows that the account began reporting in XXXX of XXXX and charged off in XXXX of XXXX however, it says the day the account was opened was XXXX of XXXX there is missing data from XXXX. this is hurting my creditworthiness, my character. this is my final attempt before contacting a lawyer for a suit. all evidence is attached. i have tried all i can do to remove this account because it is missing information.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also all Addresses need to be Removed Immediately : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've disputed several accounts and asked for re-verification for accurateness and completeness of these accounts but all I have received is letters stating they can not identify me when I have send in my utility bill, my driver 's license, my social security card and my W2. How can they not identify me? The following accounts are inaccurate, unverified and incomplete : XXXX XXXX XXXXXXXX- why is this on my credit report? 
XXXX XXXX XXXX XXXX - I was never late on this account. 
XXXXXXXX XXXX account XXXX - I have no idea what this is or if it belongs to me. 
XXXX XXXXXXXX - I don't think this is my account. I have no idea what it is. 
XXXX XXXXXXXX XXXX XXXX - What is this? I would like this validated. This is a debt collector and I don't know who or what this is. 

I would like these investigated for completeness, accuracy and that they are mine because I don't know what most of them are.
Product: Debt collection

I will attach paid proof and response from company. Here is my past complaint with CFPB - XXXX - Its very simple. I had a collection, it was paid on XX/XX/2022, and for the last 4 months I have been trying to get the companies of Berlin Wheeler and XXXX to accurately report that. It was a pay to delete. It was handled correctly by XXXX and XXXX. Not so with XXXX. XXXX blames Berlin Wheeler, Berlin Wheeler blames XXXX. This is damaging my credit. And, not what we agreed to. This needs to be handled immediately. You will see my paid receipt and Berlin Wheeler response attached to this. You are ruining peoples lives by reporting not correct information and refusing to correct it.
Product: Credit reporting or other personal consumer reports

Upon meticulously reviewing my credit report, I was disheartened to uncover a multitude of inaccuracies on my account. These errors, far from being mere oversights, significantly undermine my creditworthiness, a matter that I trust the credit bureaus to rectify promptly and thoroughly. I am explicitly requesting an immediate and comprehensive investigation into the following account : XXXX XXXX XXXX  TX : XXXX