23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing this complaint because the creditor is attempting to collect a debt without providing a valid purchase agreement. I never received a purchase agreement, and the original agreement was not with this creditor. They have not provided proper documentation to verify their claim, and I am requesting validation of the debt and then asking it to be removed off my credit.
Product: Debt collection

from  XXXX  -2017 I have b een asking Santander Consumer Usa for VALIDATION of this debt that they claim I owe them. I have send letters to all the major credit bureau requesting validation and they always tell me that it has been verified by the company through a computer system that sends codes, what is that, that 's not fair to Consumers I need physical verification or validation that is determineing I owe this Debt no he say she say
Product: Checking or savings account

I played Ally Banks Monopoly promotion in 2019 and won {$200.00}. I never received an email to redeem these winnings. After multiple follow ups over several months where the bank associates agreed to get back to me after their investigation, I have not received any response. They were able to confirm that I did qualify and win the {$200.00}.
Product: Mortgage

On XX/XX/XXXX Mr. Cooper was hacked and my PII was stolen. I previously had nothing to do with Mr. Cooper, but my loan was sold from XXXX XXXX to Mr. Cooper in about XXXX of XXXX. I feel like Mr. Cooper did not take adequate steps to protect my information, and those of all their customers. It is ridiculous that they should be allowed to have such an egregious violation of my data and not face financial punishment.
Product: Credit reporting or other personal consumer reports

I was told by a representative at the bank that I would receive paperwork in the mail related to the fraudulent application. Additionally, JP Morgan Chase Bank did update my credit report, but they put an update status of " account paid '' which has nothing to do with inquiry. I need the inquiries that were made to my credit profiles removed. From JP Morgan 's response to the credit reporting agencies it appears they miscommunicated and communicated that an account had been paid in full rather than asking them to remove inquiries. I can supply pictures of this if needed. 

These inquiries were made from a fraudulent application that was submitted on XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX  billed me twice for {$1.00} when my balance was {$1.00} - I submitted both transactions but clearly only one should have gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report recently and noticed credit hard inquiries that I did not authorize made by companies : 1 ) XXXX on XX/XX/XXXX and XX/XX/XXXX 2 ) XXXX XXXX XXXX on XX/XX/XXXX 3 ) XXXX card on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 4 ) XXXX  / XXXX on XX/XX/XXXX I did not authorize any employee by these companies to make any hard inquiry and view my credit report
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, a notice of dispute regarding incomplete account information was delivered to EQUIFAX. EQUIFAX was given more than 30 days to reinvestigate the dispute letter, and this was the second attempt to dispute with EQUIFAX. Both times, EQUIFAX IGNORED my dispute attempts. Nothing at all was disputed and this is a violation of the FCRA 15 USC 1681i ( a ) ( 1 ) ( a ). This complaint is now about the fact that they violated my right by ignoring me twice. It is both unfair and negligent. By law, consumer reporting agencies are required to respond to disputes immediately when the letter has been received. I have proof that my dispute letters have been received by EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2500.00} -This is not my account.
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. 

XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card

To Whom It May Concern, I just received verbal confirmation that XXXX XXXX, Daughter, will be removed as an Authorized User on my Sear 's Credit Card, account number XXXX ( the Account ). It is my understanding that Sears intends to continue reporting the Account to XXXX, XXXX and XXXX on XXXX Credit Report, with the premise that she is not responsible for the balance. Unfortunately, although she is not responsible for the balance, I have written proof ( see attached ) that the existence of the Account and the related payment history ( that she is not responsible for ) is negatively impacting her credit score. XXXX is in the process of purchasing a home ; the negative impact ( lower credit score ) from reporting the Account on her Credit Report, will prevent her from qualifying for the Mortgage. Since she is not, and was never, responsible for the balance on the Account, I do not understand why Sears would report it to XXXX, XXXX and XXXX on her Credit Report in the first place? It is based on this premise and the proven negative impact the Account has on her Credit Score that I request that the Account be deleted immediately from any and all future reporting, on behalf of XXXX, to XXXX, XXXX and XXXX. I would like written confirmation that this request has been submitted to XXXX, XXXX and XXXX and that in the interim, I would like it noted on my Account, immediately, that I authorize a responsible Representative, from Sears, to discuss this information openly with XXXX XXXX, XXXX, XXXX and XXXX. This dispute has been going on for over a week. Time is of the essence ; XXXX is currently under Contract to purchase a single family residence at XXXX XXXX XXXX, XXXX, TX XXXX and if we do not receive the written and verbal confirmation needed, she will lose out on the purchase. This is not an insurmountable request and I feel it is something that could be done immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB complaint # XXXX from XXXX XXXX XXXX XXXX a federally protected consumer. This is not a duplicate response, and shall not be treated as such. The response from Experian sounds like an elaborate mechanism and I have reason to believe, and do so believe that it hasn't been taken seriously that you have violated my consumer rights. You stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. You state that there is incorrect personal information on the report. We store address, employer, phone, spouse, and name information as it is sent to us by your credit grantors or from information contained in public records. One or more sources of information report personal information and they are a part of your credit history. '' This response is neither accurate or fair. I have reason to believe, and do so believe that you have failed to follow proper debt dispute procedures, and that you have not conducted a reasonable investigation of my dispute. I gave you written instructions on what was incorrect on my consumer report and provided you with the correct information that should be on my report, so any other addresses and names you have on my consumer report sounds like you are mixing/merging my file with other consumers files, which is a violation and shows that you are not doing your job with keeping my credit file up to date. You stated, " If you believe an address or name in your credit report is inaccurate, you may want to contact the source of the information directly. '' I have already provided the correct information to the sources of the information on my credit report directly, you are the only entity that refuses to remove inaccurate and outdated information. You stated, " Please contact us by phone if you need additional assistance to determine the specific sources of particular address and name information on your credit report. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX  XXXX, XXXX, TX XXXX. '' I have written to you, but you have failed in adopting reasonable procedures in a manner to which is fair and equitable to me, the consumer which is why I have made my complaint aware to the CFPB.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft stemming from both the XXXX data breach and the XXXX data breach, in which my personal information was compromised and subsequently misused without my knowledge or consent. On XX/XX/XXXX, XXXX publicly disclosed that on XX/XX/XXXX it had suffered a significant data breach due to Hackers, with a revised announcement in XX/XX/XXXX stating that all three ( XXXX ) billion of its accounts were affected and the names, email addressed, phone numbers, birth dates, passwords, calendars and security questions of its account holders were compromised. On XX/XX/XXXX, XXXX disclosed a major data breach between XX/XX/XXXX and XX/XX/XXXX that exposed consumer data, including names, addresses, phone numbers, email addresses, and potentially other sensitive personal information. Due to these breaches, I have reason to believe that my personal data was used to open unauthorized accounts in my name. 

These breaches exposed sensitive personal data, and since then, my information has been fraudulently used without my knowledge or consent. These fraudulent 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. I demand that the aforementioned fraudulent accounts be removed from all 3 of my credit reports. 

These accounts have resulted in several fraudulent collections, closed accounts and charge offs appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaints ( # XXXX ) and ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity Theft and Fraud.
Product: Debt collection

This company Eastern Revenue Inc are harassing me for debt and reporting false information to the credit bureaus on which I have no knowledge. I have never heard of this company nor have I agreed to do any sort of business with them. I have no written or verbal agreements whatsoever with this company. I would like to give you information such as an account number for this alleged debt however as I have never done business with them, they have not provided me with such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX, Account Number XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXXXXXX XXXX, Account Number XXXX XXXX XXXX XXXX, 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 or other personal consumer reports

I filed a dispute for an account listed as XXXX XXXX on my Experian credit report, as the account contains MULTIPLE METRO 2 CODE VIOLATIONS and does NOT meet The XXXX  's XXXX. Instead of removing the account, Experian made no changes, and resolved the dispute. I have since reopened another dispute. Along with this complaint, I will be providing a report outlining ALL the reporting code violations associated with this account. I demand this account be deleted due to non compliance, and inaccurate reporting. As you will see in the report, there are SEVERAL inaccuracies reported across ALL XXXX bureaus on this account. This is NOT IN COMPLIANCE WITH REPORTING GUIDELINES AND STANDARDS AND THIS ACCOUNT MUST BE REMOVED. My next contact with Experia will be a formal letter of notification of my intent to take legal action, known as a LOITS notice. To be clear, you must demonstrate full compliance with all requirements and standards of FCRA and XXXX 's Metro2 Compliance mandates. I demand this account be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXXXXXX XXXX {$0.00} & XXXX XXXX XXXX XXXX Balance {$5800.00}
Product: Credit card

Case number : XXXX In XXXX, I rented a vehicle from XXXX XXXX XXXX and encountered several maintenance issues, including low tire pressure, a cracked window, and a damaged back light. I promptly reported these problems to the company but received no assistance. Following further communication, I was advised by the XXXX office to return the vehicle for a resolution, with assurances that I would not incur any additional charges. 

Contrary to this assurance, I was later billed {$520.00} by XXXX for the issues previously reported. Despite numerous attempts to resolve this matter with XXXX and through my Citibank credit card, the charge has not been corrected. The ongoing dispute has prompted repeated and unwarranted debt collection calls, insisting that I owe this unjust charge. 

My efforts to contest this charge with Citibank have included multiple phone calls and the submission of photographic evidence, as requested by their representatives. However, there has been no satisfactory resolution, and the lack of support from Citibank in disputing this erroneous charge is concerning. This unresolved charge has not only affected my financial standing but has also restricted access to my Costco membership benefits linked to the Citibank card. 

I am seeking assistance from the CFPB to address this unresolved dispute with Citibank and XXXX, as my attempts to rectify this situation have been met with inadequate responses and further complications.
Product: Debt collection

My wife and I moved to our new apartment, in the middle of a COVID national shutdown, in XXXX of 2020. XXXX was the company I chose to be my cable/internet provider. Before leaving to my new place, I closed my account at XXXX. My new apartment will provide cable & internet for me, that would be included in my monthly rent. XXXX was also going to be my cable provider once I moved to my new place. Now, Ive been here at my new place for months, without any issues, until I get an alert from my credit monitoring app on my phone. The alert was for a new collections account added to my credit report by XXXX for the amount of {$230.00}. After several attempts to resolve the issue with XXXX, and several promises made by XXXX to delete the Collections account from my credit report, all they have done for me is update the balance of my new collections account to {$0.00}. Which does absolutely nothing to repair my credit, that they so effortlessly destroyed. Its still a collections account on my credit report, that unless deleted, or removed, will have catastrophic effects to my financial freedom. I was in the process of buying my first home, but thanks to XXXX, that may be impossible. At least for the next 7 years. XXXX absolutely refuses to do good business with a loyal customer. XXXX gave me an excuse. XXXX says that because of COVID, they werent requiring customers to pay their bill for a few months, without penalty. And, although there is obvious evidence that I closed my account, before moving to the place I live now ( which they see my active account, with my current address ), their system kept charging me for reasons unknown by them.XXXX  scammed me for no reason!
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX  XXXX Balance : {$970.00}.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Reporting Inaccuracies Capital One XX/XX/year> I am writing to formally file a complaint against Capital One regarding persistent inaccuracies in my credit report associated with my Capital One credit card account. 

I have disputed these inaccuracies multiple times, yet they remain unresolved. Specifically, my credit report lists the same Capital One account three separate times, two of which show identical dates, and the third indicates a different date. This account is tied to a XXXX  XXXX bankruptcy, yet I continue to be pursued for collections on these accounts. This has resulted in significant financial strain, including the need to secure a loan to settle these debts, which I had to repay with interest. 

The inaccuracies on my credit report have not only affected my credit score but have also led to severe emotional distress, XXXX, and even homelessness. The continued reporting of this single account as three different entries has created a misleading financial picture of my situation. Furthermore, I believe my personal information has been sold to third parties without my consent. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ), I request the following actions : Immediate deletion of all inaccuracies related to this Capital One account from all three credit bureaus. 
A refund for any settlements paid as a result of this misleading information. 
Compensation for the financial and emotional distress caused by these errors. 
If these matters are not resolved promptly, I am prepared to take legal action against Capital One for damages incurred. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 
CAPTIAL ONE CREDIT CARD # XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX AMOUNTS SETTLED 2 @ {$770.00} AND 1 @ {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Three of my credit reports ( XXXX, XXXX and Equifax ) are reporting invalid information as it relates to an installment account I had with XXXX XXXX XXXX  XXXX. All of my payments were made on time and I was able to document this with XXXX XXXX as I made all payments utilizing online bill payment through my bank, XXXX. Once I provided XXXX XXXX  with the documentation from my bank showing payments were made on time they agreed to correct the incorrect information on my credit reports showing late payments. Years have now gone by and the derogatory information still remains. I have opened up disputes directly with all three credit reporting agencies and submitted the same documentation to them. After concluding their investigation they determined the dispute is not valid and have not corrected my credit reports. I even provided a copy of the emails from XXXX XXXX  where they acknowledged that my payments were not late and they would correct the incorrect information on my credit reports. I have exhausted all of my options and completed my due diligence on this issue. I now request the CFPB investigate this issue. Thank-you.