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

I am filing this FTC AFFIDAVIT to report several fraudulent inaccurate and incomplete information accounts on my consumer FICO credit report. I have asked experian and transunion for validation and whomever they spoken with to validate these accounts. These accounts are still inaccurate incomplete and i request these accounts be removed from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtransunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.These accounts have been fraudulent edit remove these accounts immediately.
Product: Credit reporting or other personal consumer reports

This is my second time filing a complaint about this account .CFPB Complaint # XXXX i received closed on my complaint and iam not understanding why XXXX XXXX will not fix this. with the laws of Physics if i pay {$380.00} twice a month for the last six months adds up to {$770.00} for the month.so there is no way i can be 30 days late for XXXX and XXXX. no way. i have been a week yes in the pat not 30 days. my account was out 30 days late when i pay every two weeks. so there is no way i should be 30 days late for XX/XX/2024 and XXXX XXXX i deferred a few payment in the pass during Covic and was toll it was being to the back of loan. the mature date was in XXXX. and i still was paying every two weeks. not gave me no info that i had to make a modification payment plan on ending balance. i was still making monthly payments. so until i saw my credit report that i was put down for 30 days late for 2 months XX/XX/2024 and XX/XX/2024 which is not true. i untanned a modification payment plan now for remaining balance so XXXX asking you to please remove the XXXX XXXX lates off my report it is stopping me from purchasing a home. 
making XXXX payments of {$380.00} a month satisfied my payment for the month. This is not right!!! Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there On XX/XX/XXXX an inquiry from XXXX XXXX XXXX ) show on my credit report ( XXXX ) that i did not authorized. 
On XX/XX/XXXX an inquiry From ( XXXX ) show on my credit report ( XXXX ) That i did not authorized. 
On XX/XX/XXXX an XXXX From ( XXXX ) show on my credit report ( Transunion ) That i did not Authorized. 
My name is XXXX XXXX and ( XXXX ) is showing my name as XXXX XXXX XXXX i have never had a middle name.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus 06/07/2024, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX MRV BK/REVVI XXXX XXXX : {$XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.
Product: Debt collection

I received a XXXX loan which was forgiven but the company continues to say I owe money even though they sent me an email months ago saying the debt was forgiven. I have left voicemails, emails and tried calling and cant get a hold of anyone nor do they ever email or call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDIT INQUIRIES THAT I DID NOT INITIATE ARE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called into this company multiple times to discuss an invalid collection. All three times i was hung up on by the representatives after simply supplying them with the account info. They claimed they could access my account and hung up in my face 3 times in a row. 100 % unacceptable for a company that has the ability to ruin credit. 

They have sent over debt verification that is invalid. The amounts owed make completely no sense and the signature is no where near mine. 

According to the paperwork diversified sent me, i took out a lease contract for a phone on XX/XX/XXXX in the principle amount of {$380.00} after putting {$390.00} down and {$41.00} per month to pay iy off. Not only did i not take out a contract on this date but according to the most current invoice dated XX/XX/XXXX it says i owe {$480.00} on the same phone a year later. How can i owe {$480.00} on the balance of the phone a year after i supposedly owed {$380.00}? 

As previously stated, ive had multiple unsuccessful attempts contacting this company
Product: Credit card or prepaid card

I applied for th e SCRA be nefits for my chase card in  XXXX  and was denied because I lived in new Jersey which is not a community property state. I feel that this is unbelievable. My husband is  XXXX   XXXX    XXXX   XXXX   and been  XXXX . Its just crazy.
Product: Credit reporting or other personal consumer reports

I recently noticed a fraudulent account has been reinserted into my credit report. This account was previously removed because it was a result of identity theft, and I would like to formally dispute its reinsertion. Please provide documentation proving the legitimacy of this account. 
XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Personal loan from Self- Help credit Union Account Number : XXXX Amount : XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 or prepaid card

Over the XXXX XXXX weekend I completely paid off my Bank of America credit card to the tune of {$7500.00}. We're in the process of paying off all of our debt and I called BofA to ask about transferring some balances to my newly paid off card. The woman I spoke with was more than happy to help me until I mentioned my husband. We're a XXXX couple. Immediately her tone changed and she made a XXXX remark. When asked about household income she said only my income and not my husband 's income was a factor, and then she put me on hold. When she returned she informed me that BofA no longer wished to do business with me, no longer valued me as a customer. In all of my years I've never missed a payment. I believe I was terminated as a customer because I'm XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX XXXX : {$9100.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

In my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent account consist of a XXXX XXXX account opened on XX/XX/year> under the account number XXXX on my consumer FICO credit report. I demand that the aforementioned fraudulent item 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. 
CFPB Complaint against XXXXedit Reporting Agencies 3 bureaus : XXXX, XXXX, and Equifax Someone open a fraudulent account in my name {$500.00}. My name is XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX account opened XXXX. 
. These accounts have resulted in a fraudulent collection appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Product: Credit card

One Main Financial allowed an account to be open with out my approval. This was a fraudulent account and when caught I have tried to dispute with the company. After submitting affidavit as requested I was told I needed to provide policy report. Per my local PD they were only able to create an incident report due to the lack/none documents to provide about the account. Case number was provided to One Main and their response that they needed a physical copy with companies information listed. Upon out emails I provided them the information that only so much could be done and if One Main wanted investigated they will need to provide information to the police department and assign a detective to investigate. After 30 days I have tried to request someone to respond and they are only allowed to contact me by email. I have requested a phone call and even from management to contact me and no one has done so since the request. I have done what they have requested and not once has anyone offered to send me or the police documentation about my account. Only information I have been given verbally is that my account is closed but I am still being reported as account past due. There has nothing been mailed to me as a form of statements or anything and finally after a few phone calls to their general customer service someone gave me an amount of {$41.00} past due for their annual fee. But that is all that was given, I was barely even able to get a date when account is credit. For a credit company and verifying my information that account is with my personal info no one is ever willing to give me information for my account. This is odd since other companies will gladly provide answers to questions about my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, my XX/XX/2023 mortgage payment was reported XXXX late negatively impacting my XXXX XXXX, which went down from the XXXX to XXXX 's. I've never missed a payment or have been late on my mortgage payments once. In fact my XXXX payment was made on XX/XX/XXXX. How can a mortgage lender report a XXXX late payment only 17 days into that same month!? I contacted Mr. Cooper on XX/XX/XXXX to dispute their erroneous reporting and they advised me that a case would be opened to update my credit report within XXXX days, which they have failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 and or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX DATE ASSIGNED :XX/XX/XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

The account for which Portfolio is attempting to collect is " time-barred '' in the State of California. I asked for verification of the debt but never received any written report. I asked for them to stop calling me, but they have not stopped. 
Each call I have received has been from different phone numbers. 
Each time they call, the company " dings '' my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX  ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Product: Credit card or prepaid card

From XXXX - XX/XX/2020 my husband was out of work due to COVID 19 and my family was facing economic hardship. I became past due on my 2 Comenity credit card accounts with XXXX XXXX XXXX and XXXX XXXX XXXX. I made a payment as soon as possible and have since caught up and nearly paid off the accounts. It was my error for not calling ahead of time but I was ashamed and not in a good place that I could not pay even some of our small bills. 

After I was in better shape, I called Comenity bank and they told me to put the request in writing based on economic hardship due to COVID-19 that I was requesting a goodwill deletion of the late payments on each account for XX/XX/XXXX. I did write such a letter to them ( see attachment ) and it was sent on XX/XX/XXXX. 

I worked with THREE other credit card companies and each of them provided the goodwill assistance and deletions/not reported to the late payments I incurred due to COVID 19. 

I received a letter from XXXX XXXX in the compliance department of Comenity dated XX/XX/XXXX that basically I was out of luck, too bad. They would not provide any goodwill due to my COVID hardship. 

I find this devastating to my credit, and sad that a company such as Comenity can not provide a goodwill adjustment during the difficult pandemic time when many other companies are doing so.
Product: Credit card

On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from Home Depot through an online order. The product was set for delivery to my address at XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/XXXX, as confirmed by the XXXX tracking number XXXX. 

However, XXXX marked the package as delivered at XXXXXXXX XXXX on XX/XX/XXXX, but to XXXX XXXX, XXXX completely different location. I never received the package at my address. I immediately contacted XXXX and Home Depot to resolve the issue. 

Following my complaint, XXXX conducted a thorough search for the package and has since declared it lost, as documented in the attached claim status from XXXX. Despite XXXX confirming that they were unable to locate the package, Home Depot has repeatedly closed my claims without providing any resolution, refund, or replacement. Furthermore, Home Depot has never contacted me to inform me that my claim was being closed, nor have they provided any results or status updates on their investigations. I only discovered this when I followed up on my own. 

Currently, I have a balance of {$430.00} on my Home Depot credit card, which includes {$300.00} for the missing dishwasher. This amount is due by XX/XX/XXXX, as part of a promotional balance. I am being charged for a product that I have not received, and despite the clear confirmation from XXXX  that the package is lost, Home Depot has failed to remove the charge or provide a replacement. 

This is a breach of my consumer rights under both the Fair Credit Billing Act ( FCBA ), which protects consumers from being charged for goods they did not receive, and the Fair Credit Reporting Act ( FCRA ) if these charges remain unpaid and affect my credit. 

I am requesting immediate intervention from the CFPB to ensure that Home Depot either provides a full refund for the lost item or sends a replacement. Additionally, I ask that any associated charges be removed from my Home Depot credit card and that my credit score remains unaffected by this unresolved issue. Please see the attached documents for the full timeline, XXXX confirmation of the lost package, and details of the charges. 

Thank you for your attention to this matter. I look forward to a swift resolution.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX/dept of ed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/dept of ed XXXXdept of ed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/dept of ed XX/XX/XXXX Mo family support divi Remove inaccurate information, charged off accounts, collections, bankruptcy, accounts showing as loans. The inaccurate information is prohibiting me from making progress and should not be on my profile. The account is showing differently than other agencies.

15 USC 1681 ( n ) and 15 USC1681 ( o )
Product: Student loan

Wells Fargo is allocating my extra student loan payments in an improper and delayed manner, resulting in a substantially lower ( inaccurate ) decrease in outstanding balance. There have already been several lawsuits I read about regarding these issues with Wells Fargo. I have NEVER had a late payment and always pay extra payments on principal, in additional to my monthly payment. Below is a summary of recent concerning activity on my account : XX/XX/XXXX : overall loan balance ( includes several loans ) : {$52000.00} XX/XX/XXXX : {$400.00} extra loan payment made to one of the loans : {$360.00} applied to principal and {$39.00} applied to interest. No balance changes reflected on account several days later. 
XX/XX/XXXX : regular monthly minimal payment of {$580.00} made XX/XX/XXXX : overall loan balance : {$52000.00} Average interest rate for loans 8 %. I paid nearly {$1000.00} in a span of 7 days and the loan decreased by only {$260.00}. This is mathematically inaccurate. Bank is " investigating '' the issue, but has not been helpful in resolving.
Product: Credit reporting or other personal consumer reports

I have written and sent in over 30 days ago, my letter opting out Per 15 usc 6802 & 6805. I have chosen to opt out with these companies ( XXXX XXXX XXXX ) yet they are on my report for all XXXX credit bureaus The XXXX account was sold and is charged off. A charge off is considered a certificate of indebtness, which is also considered income and MUST be removed The collections account was sold to a third party violating the privacy act of 1974. This need to be removed. 


I the consumer also never authorized my credit card utilization. The law states it is ILLEGAL to report transaction history without my written consent per 15 U.S. Code 1681b - Permissible purposes of consumer reports