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

I believe I am the victim of identity theft. I had a collection account from XXXX XXXX XXXX placed on my credit report related to an address in Texas. I have never lived in Texas nor was I familiar with the referenced account. I filed a dispute and was notified by XXXX that both the account and address have been deleted from my credit report. However, in reviewing my corrected credit report from XXXX I noticed a new collection account had been listed related to a different address in Texas. Again, I have never lived in Texas. I contacted the new collection account, XXXX XXXX XXXX and reported the account and address as fraud. The representative for the company asked me about an email address that they had on file with the account and I had never heard of it. I have also filed a new dispute with XXXX, Equifax, and XXXX. The credit reporting agencies say they can not remove the new fraudulent address in Texas from my credit report because a creditor ( XXXX XXXX XXXX in this instance ) reported that address related to an account. The account is fraud and they are reporting incorrect information! CRAs should be required to confirm the address and or account is legitimate once disputed by a custome. I previously placed a fraud alert on my file but that did not stop the credit reporting agencies from listing this new fraudulent account.
Product: Credit card or prepaid card

I have contacted Barclay 's fraud department several times to inform them that this is a fraudulent account along with the FTC report. Barclay 's refuses to mark this account as fraud and stop the garnishment.
Product: Debt collection

I had a debt with XXXX XXXX from XXXX. They sent the collection to XXXX XXXX. I paid the debt to them in XX/XX/XXXX. They sent me a letter confirming collection was paid. I also asked them to remove and they removed the debt collection. Now a Credence Resource Management company is  trying to collect XXXX for XXXX XXXX. I do not and have not had direct tv. I have never heard of this company and I don't have any letters from them. However, they have significantly impacted my credit score with putting this already paid collection back on my account.
Product: Consumer Loan

they collected more than what I owe and they did it without proper communication. At first they stopped collecting for XXXX months giving an impression that the loan was paid. They also called me last month and left a message offering a new loan. All of a sudden they resume collection in XXXX, XXXX when I called them they said that I still owe & XXXX which baffles me because I have been paying this loan since XX/XX/XXXX and should have been done last XX/XX/XXXX.They took a sum of {$300.00} ache in my bank last XX/XX/XXXX. No payments has been collected in the months of XXXX XXXX and XXXX which I thought it was fully paid already. 
Please take action to resolve thiS problem of mine.. I do n't want them to get the money again
Product: Mortgage

This is nightmare since XXXX. I'm being approved for the XXXX XXXX funds for 17 futures mortgage payments in XX/XX/2022. This is a federally funded and regulated program - overseen by the U.S. Treasury. Mortgage companies and are required to comply with guidelines set forth by the Federal Government in terms of reporting and communication. HAF are sending the bulk checks and they aren't applying on time to my account. As of today, my XXXX and XXXX, XXXX payments are past due because they aren't applying the payment on time. It's not fair that they received the payment on time and they still reporting to the Credit reporting agencies. I'm being calling almost every day and they told me that is an issue with XXXX that is the third party that apply the payments. Since XXXX they are receiving the checks but not applying to the account. It's so unfair that we have to go through this situation.
Product: Credit card or prepaid card

I had reported my card as stolen after being XXXX for XXXX months and chase XXXX XXXX stated because the person who stole my card is a past partner of mine that the purchases must have been authorized. Per contract authorized user are only those stated on the account. I requested a new card be sent out after reporting it stolen. I was kicked out of the house in which the card was mailed to. I immediately called chase once email verification of the card being delivered was received. I informed them I was not at that address and do not have the card. They stated I must have it because it was activated. I informed them I had none of my personal property including the cell phone with the account on it. My ex had activates the card and used it. Chase is admitting to having evidence of the fraudulent purchases. I've been fighting with chase credit card services since XXXX of 2021.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction actions to remove or amend the disputed accounts, as Experian inaction violates federal law and my right as a consumer.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXXXXXX XXXX XXXX XXXXXXXX, account number 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Capital One credit card on XX/XX/2019. This card was then lost and a new card had to be issued. Capital One uses the credit card number for the account number so when the new card was reported to XXXX  it showed as a separate account from the original card thus causing the payment history to be double reported. I had missed one payment on the first card but it shows up as having happened on two accounts thus causing my payment on time percentage to be low and lowering my credit score which is causing me a real financial loss as I had to renew a car loan at that time. Additionally Capital one will only correspond by mail about credit reporting issues telling me it could take two and a half months to correct. No other item has to go through the mail with them. This I am sure has happened to many people without them knowing due to the irresponsible practice of using the card number for the account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX , FL XXXX IN RESPONSE TO CFPB : XXXX REQUEST TO UPDATE ADDRESS To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX , FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX NAME : XXXX , XXXX, XXXX THESE PHONE NUMBERS DO NO BELONG TO ME : ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYER : XXXX XXXX - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX// - REPORTED XX/XX/XXXX EMPLOYER : XXXX XXXX/ Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX , XXXX XXXX , FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - inquiry date XX/XX/2020 amount owed {$0.00} XXXX - inquiry date XXXX XXXX amount owed {$0.00} XXXX XXXX - inquiry date XXXX XXXX amount owed {$0.00} coaf inquiry date XX/XX/2020 amount owed {$0.00} XXXX XXXX inquiry date XX/XX/2020 amount owed {$0.00} i have no knowledge of these accounts before today i'm trying to build my credit and this debt and inquiries please block and remove these accounts from my report i reached out to the creditors and they refuse to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act public record XXXX XXXX XXXX  GA XXXX XXXX XXXX REF # XXXX, XXXX  XXXX Acct # XXXX, XXXX  XXXX  XXXX XXXX Acct # XXXX Are all Fraud accounts and Public Record. 
15 U.S.C 1681 section 605B states the of information resulting from Identity Theft. I was in federal Prison when these Fraud accounts and public record was Incorrectly and Fraudulently was placed on my credit report. These items has hurt my credit integrity and has stopped me from receiving jobs, apartments, and the chance buy a car. These Fraud items needs to be REMOVED and DELETED from my credit report to show accurate and true information on my credit reprt.
Product: Debt collection

Credit Control Services isn't licensed in my state to collect this fraudulent debt. This company violated my consumer rights by placing this on my credit report without any notice nor was I given a letter to response within the 30 day time frame. FDCPA 1006.30a no parking of debt XXXX XXXX XXXX XXXX was asked to submit their documents and not itemize copies of papers of the spending on the account. I requested proof my signature and the original contract if XXXX was signed. I didn't give any permission 15 U.S.C 1681b to open any account under my name. 
This collection agency attempts to collect a fraudulent debt. XXXX XXXX XXXX to remove this fraudulent account off my credit report without any investigation into the matter. Remove the follow accounts from all three Credit Agencies :
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT REPORT & FOUND SOME UNAUTHORIZED CREDIT CARDS, UTILITY, AND COLLECTION ACCOUNTS AS WELL AS ADDRESSES, WHICH IS CAUSING ME A LOT OF STRESS ITS SO FRUSTRATING & ITS NOT FAIR TO ME BECAUSE I AM IN THE PROCESS OF GETTING MY HOME I DO NOT RECALL NOR AUTHORIZED ANYONE TO APPLY FOR THIS AND THIS IS HOLDING ME BACK, PLEASE GET THIS REMOVED & RESOLVED ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a car loan with Capital One. The vehicle was traded in on XX/XX/2022 with XXXX XXXX. I have 30 days late showing on my credit and my credit score was reduced by over XXXX points. I contacted Capital One by fax asking them to remove the late payment. In the fax, I talked about the status of the loan on Capital One 's XXXX phone number said the title was released on XX/XX/2022 and the loan was paid off on XX/XX/2022. I don't understand how the title was released before the final payment was received. I have never had any 30 day late payments. I believe the payment was made on time because the title was released on the XXXX. I am wondering if race has something to do with the reporting to the credit Bureau. Capital One denied removing the late payment. I know they have ability to waive or remove the late payment. They just denied my request. I feel like I am being penalized because they have the dates backwards of when the title was released versus the date the loan was paid
Product: Credit reporting or other personal consumer reports

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

I told/informed XXXX, XXXX, and Equifax to reinvestigate and or remove these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is has not taken my disputes seriously. I have continuously contacted them regarding how my rights have been violated and they have broken the law. Instead, they have been sending me responses that they will not investigate my complaints until proof has been sent to them, which I have done. On XX/XX/2022 they received information about my issues along with the proof of what they were reporting. 

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 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1692C : States without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt The creditor is in violation of Section 623 ( a ) ( 5 ) of FCRA, which says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action I have never given any written permission to contact me or report to the credit bureaus. I have expressed that each time I have sent disputing information to Experian on the dates of XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. On XX/XX/2022 I received an email to check their investigation results saying that they will not be investigating anything I send in any longer until they receive without proof. I have continuously sent them proof throughout XXXX of what they need to investigate. You will find the response sent to me from them in the attachments. 

On XX/XX/2022 in Experian 's latest response, they mentioned that they had contacted two furnishers to verify the accuracy. have issues with the reports being furnished without my written consent. There are four furnishers they should have contacted, but only contacted two. Why only two? However, it still did not fix the problem because there are still inaccuracies with their updates. Not only is the information on my report without my written consent, it is also inaccurate and not matching what other bureaus are reporting as well. Experian has claimed to have investigated my issue and has resolved the problem, but the inaccuracies on the report are still the same from previous months before. What investigation is being conducted exactly? Nonetheless, my written consent has not been given to Experian to publish anything on my behalf.
Product: Checking or savings account

I have already been hit with XXXX overdraft fees of {$36.00} each this year. Due to these fees it has put me in a position where this is going to continue to happen and only get worse. Any person with a shred of decency and understanding of what this does to people would do the right thing to help their customer to avoid this ongoing issue. Instead my bank, PNC, is showing that they are reliant on charging fees to pad thier annual profits to the tune of more than {$200.00} XXXX in XXXX. I have had this issue with them each of the past 4 years.
Product: Credit reporting or other personal consumer reports

These inquiries was not authorized. 
please remove these inquiries from my report ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries should not be on my file i am sending a FTC and proof of ID aswell.

The companies are not complying with my request
Product: Checking or savings account

I ordered a Chime card in XXXX of XXXX which came in the mail a week or so later with a ore- printed form for Direct Deposit into my Chime Account. I gave this information to my employer in XX/XX/XXXX but never received my {$500.00} which was to be available on XX/XX/XXXX. I contacted Chime by phone on XX/XX/XXXX to find out the status of my Direct Deposit. They informed me that the pre-printed form I was mailed had the wrong Routing Number printed on it. Chime then gave me a New Routing Number with the same account number that was listed on the form they provided me with my Chime Card. I corrected the information with my Employer and received my next weeks pay via Direct Deposit on XX/XX/XXXX on my Chime Card. Chime told me the Direct Deposit for my previous weeks pay of {$500.00} would be kicked back to my Employer but until this happened, Chime could not deposit the previous weeks pay. I contacted my Employer and informed them of the information Chime gave me on or about XX/XX/XXXX. To date my previous weeks pay was never kicked back to my Employer. I contacted Chime to let them know the money was never returned to my Employers Account. They were insisting that the money would be returned and they would do nothing until then. I never received my {$500.00}.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report fradulent accounts on my consumer credit report which I do not recognize as reported and which are a result of identity theft and fraud. The fraudulent accounts consist of a collection opened XX/XX/year>, and employment of self employment title. I demand that the fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
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. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.