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

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. 
On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. 
On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. 
Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. 

Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. 
2. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a XXXX time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. 
XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX XXXX The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 
5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. 

**ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXXXXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED**
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a Victim of Identity Theft I did not Authorize any of these Accounts
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days please remove the fraudulent accounts and send me a copy of my updated credit report. 

File Number : XXXX Date of Investigation : XX/XX/year> Date of Investigation : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card 's XX/XX/2020 monthly statement with XXXX XXXX XXXX has not been updated with the Transunion on XXXX XXXX. Transunion has not update my monthly statement account information for XX/XX/2020. I contacted both the credit card company and credit bureau Transunion and both companies are not taking responsible for not reporting my account information on time. This is causing hardship with the purchase of a home, due to the fact that my balance is showing more than what I owe on the account. Transunion is showing an old balance for XX/XX/2020 's billing statement not XX/XX/2020 billing statement. The amount actually showing presently is incorrect and need to be update as soon as possible. The credit card statement account information is showing correctly and accurately monthly with XXXX XXXX XXXX, so Transunion should to follow suit.
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 XXXX XXXX account number XXXX Account XXXX XXXX  net credit account number XXXX I look in Experian for credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information dispute it showed where first payment was in XX/XX/year> and the balance was XXXX this incorrect because no payment was ever made
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit card

On XXXX XXXX XXXX a purchase of {$49.00} was made on a Capital One Credit Card in the amount of {$49.00}. Upon learning that the credit builder program doesn't work without the opening of a credit line or checking account, email was sent requesting to cancel service XX/XX/2024. No response was received from the company until over two weeks later on XXXXXXXX XXXX XXXX. No services were rendered, the customer service was not present, nor was correct information about product provided during time of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was reporting account number XXXX on my credit report as being 30 days past due XX/XX/2014 and 60 days past due XX/XX/2014. I did not realize that I was ever late on these dates so I requested the Credit bureaus to do an investigation to ensure this account was reported accurately. Well when the results came back, XXXX updated my account to show that I was currently past due. I have attached a screen shot of my account from XX/XX/XXXX and attached a screenshot of my account from XX/XX/XXXX so you can see that the payment status shows that I am currently past due. How is that possible? How can I be currrently late when the account has been closed since 2014. This caused my credit scores to drop 100 points.
Product: Credit reporting, credit repair services, 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. 
HARD INQUIRIES *XXXX XXXX XXXX XX/XX/XXXX *XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX *XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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

When reviewing my credit report I was enraged to find a number of inaccurate reportings. One being a late payment that I was not efficiently warned of and is entirely inaccurate and then on top of this there are a few inquiries that I never authorized the release of my information for.
Product: Credit card or prepaid card

On XXXX XXXX XXXX, Chase sent me a emails stating a Change to my Account Terms for each of my credit cards. These terms changes stated that ( among other things ) I have to settle any disputes through arbitration, unless I mail them a written letter that I do not agree to arbitration. 

Why should they be able to send this notice via email, but to decline I have to mail a written letter for each of my accounts?
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX XXXX XXXX ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. XXXX XXXX XXXX has not notified me via mail or phone call for the debt in question. XXXX XXXX XXXX has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX Online Information Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & XXXX ; XXXX XXXX  collection department ''. Online Information Services reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX XXXX NY. I received a letter from ONLINE INFORMATION SERVICES on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to Online Information Services on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

XXXX agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX checked their database of 4.7 billion publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be  compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were 393 million unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX , Equifax and the IRS . I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I am disputing all of the following information due to be incomplete and inaccurate. I have made all the reporting credit bureaus aware of the Identity Theft and the Fraudulent accounts and nothing.
Product: Mortgage

Around XXXX XX/XX/XXXX my wife and I attempted to acquire a conventional home loan of {$110000.00}, through my bank, for a house we had found that was for sale. We had gotten the preapproval through my bank and had begun all the necessary steps in signing the loan contract. We had submitted all the necessary paperwork to get our credit score checked and we were told that our credit score was fine with what we were going for. Nothing seemed to be an issue until it came the week of signing the contract, around XXXX XX/XX/XXXX. My bank insisted on some work to be done on the house, some rotted wood that needed to be fixed. The seller had already notified all parties that they were NOT going to do any work on the house and it was selling " as is '', which my wife and I accepted and had planned for. My wife and the relator we had been working with had noticed a few oddities during the loan approval notice. My bank had required a letter from us explaining that my wife is my wife and that my bank was being odd for wanting this little bit fixed on the house. Even the bank employees we had been working with seemed to notice some odd behavior by the bank.
Product: Credit card or prepaid card

Amazon closed my account several months ago. Before I had payments drafted automatically and then had it stopped once account was closed without even consulting me. I had never had a problem paying my account however I have made payments consecutively since XX/XX/2023 and they are saying I am delinquent when I am not. This month I paid late because of what they were doing with my account trying to resolve it. I am enclosing all payments since XXXX up to last month and I just paid today XXXX. My account is closed and my balance has increased instead of reducing when they are no purchases on my account. Can you please look into this matter for me because speaking to their reps amounts to nothing. Thank you very much
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under law 15 USC 1681. 
XXXX : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX : XXXX 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. 15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may take 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sendig this complaint because I have submitted my dispute letter to Transunion since I become a victim of Identity theft, I was disputed hard inquries on my report that been placed by FRAUD. I have Fraudulent Hard Inquiries on my credit report. Someone applied to XXXX XXXX in order to get some goods or benefits or funds, I didnt apply for it. I enclosed in this letter an FTC report for all mentioned fraudulent inquiries and the copy of my ID. Here is the list of Fraudulent Hard Inquiries : XXXX AXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Miscellaneous Automotive XX/XX/XXXX TransUnion XXXX AUTO Auto Loans XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX OF XXXX Auto Loans XX/XX/XXXX TransUnion XXXX FIN SVC Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX Dealers, Used XX/XX/XXXX TransUnion XXXX BANK Auto Loans XX/XX/XXXX TransUnion XXXX XXXX XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX FIN XXXX  Auto Financing XX/XX/XXXX TransUnion XXXX XXXX  Auto Loans XX/XX/XXXX TransUnion XXXX XXXX  Auto Dealers, Used XX/XX/XXXX TransUnion XXXX XXXX  Credit Card XX/XX/XXXX TransUnion XXXX XXXX  Bank Credit XXXX XX/XX/XXXX TransUnion These hard inquiries dont belong to me, please remove them from my credit report. Thank you very much for your consideration and help, I really appreciate it. 

They are not factual data, they are result of fraud activity. 
Please remove them immediately. I have included copy of FTC Report that I filed and copy of documents to verify my identity : SSN, ID, proof of addrss
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a letter I sent to Capital One requesting validation of an account was signed for and received. Capital One did respond on time however, they failed to provide to me proper evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to them. In addition I have proof Capital One did not furnish the credit bureaus with the required disclosure, within the period required by law. Capital One is required by federal law to place a notice of dispute on my account within 30 days of my dispute, which was signed for on XX/XX/XXXX. I  sent a follow up letter to Capital One notifying them that they had not complied with state and federal laws and it was signed for on XX/XX/XXXX. Capital One 's response was a letter to me asking me for more information such as an account number and full social security number thus proving that they can not validate the account they are reporting. Since Capital One has not been able to furnish orginal signed contracts with my name and has been in violation of state laws I am asking they remove the trade line from all 3 credit bureaus. I have attached copies of letters and receipts from Capital One.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reported this bankruptcy couldn't be verified, inaccurate and it's non public record a, so it was removed off their credit report. XXXX XXXX submitted proof to XXXX to be removed completely off my credit report but XXXX didn't respond to the dispute that was submitted by XXXX XXXX as third party. XXXX stated that bankruptcy will be investigated and removed within 30 days which XXXX didn't respond to XXXX XXXX. The reference # XXXX Bankruptcy XXXX XXXX file XX/XX/year> discharged and closed 8 years with the court also XXXX stated they contacted Court that wasn't true.under the FCRA if the consumer furnished any information that is not vertified and inaccurate by state law a lawsuit could be filed against them. I planned to presume a lawyer in this matter and investigate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I received a notification via the XXXX app stating that my credit report was obtained. 
These inquiries are going to have a HUGE NEGATIVE impact on my credit score. 

I need these companies to tell me why they ran hard inquiries on my credit. 


I did not give these companies the authorization to run my credit. 


Who gave you the authorization to run my credit? 

Please provide me with the documents proving you had my authorization to run my credit
Product: Debt collection

This account was disputed with a previous collection where the end result was I do not owe the account. I was never contacted by this new company for me to inform them that I don't owe this account. They just popped up on my credit reports.
Product: Mortgage

I have a massive issue with my servicers. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2020. 
I recently had my loan transferred over from BAYVIEW LOAN SERVICING who Ive been working with to achieve a loan modification. On or around XX/XX/2020 I received a letter in the mail stating that my loan has been transferred to a new servicer XXXX XXXX XXXX. Ive been working and trying so hard for so many years now to receive a loan modification from Bayview Loan Management and before that XXXX XXXX XXXX. And not once have they worked with me and cared or tried to help. 
To this day I have not received a welcome letter from the new servicer XXXX XXXX XXXX. Bayview Loan Management still placed my home on a foreclosure sale especially while the transfer happened. This is not good because it does not give me any time to work with the new servicer to work out options let alone given any time what so ever to have a chance to be reviewed for a loan modification. 
Bayview Loan Management and XXXX XXXX  XXXX strategically transferred my loan so that the time frame would just sell my home. 
If Bayview Loan Management and XXXX XXXX  XXXX continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Product: Checking or savings account

I am filing a complaint with cfpd regarding capital one bank failure to deposit direct deposit from my employers. Capital one cited technical issues which violates EFTA
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report my account late as 30 days ( TRANSUNION ) Account was pain in full in XX/XX/2020 account was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX
Product: Credit card

I found out the plan was 6 months, not 12 months as I had asked for. I called the credit card company twice in XXXX and asked them to change my 6 month deferred interest plan to a 12 month. They said the merchant had to do it. I called the merchant and the merchant said no, the credit card has to do it, and back and forth like this. Meanwhile, it expired and I got charged over {$350.00}!!! I feel preyed upon and like they just wanted to shove responsibility for helping me back and forth until time ran out! I called two synchrony bank phone numbers to try and get me needs met : XXXX and XXXX