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

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I contacted each corporation, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and I've decided to writhe this statement on my behalf. Per 15 USC Code 1681-2 ( a ) 1 ) ( a ( & ( c ) and 15 USC Code 1681-B of the Federal Reporting Act ( FCRA ) the accounts listed in this report should not be appearing on my personal credit reports as they violate these codes and my rights as a federally protected consumer. According to these federal codes, they summarize that it is against consumer/creditor law for a creditor to report anything under any circumstances, without my written consent or instructions. No consent constitutes as XXXX XXXX. As a federally protected consumer, I am exercising my rights and demanding the deletion and removal of the accounts listed in the complaint immediately.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX  I disputed this account through XXXX XXXX stating this account is not mine and I never received any loan. I also double checked my FAFSA to make sure. I received no letter letting me know how they conducted their investigation and when I checked my results through credit karma it states they verified it is mine and will not remove it.

This account is not mine and I refuse to pay a debt that is not mine according to 15 USC 1692
Product: Vehicle loan or lease

Dear CFPB, I have put on notice to Mercedes-Benz Financial that I XXXX XXXX XXXX XXXX residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, hereby revoke, terminate, and cancel any and all powers and authority as Power of Attorney granted to you under the unconscionable contract attached in XXXX XXXX executed on XX/XX/XXXX, in which you were appointed as my agent or attorney-in-fact. This revocation is made pursuant to the terms outlined in the original Power of Attorney and in accordance with the relevant state laws governing such documents. 

Revocation of Power of Attorney Effective Date : XX/XX/XXXX : This revocation shall be effective immediately upon the receipt of this notice by you and any third parties who were previously notified of the Power of Attorney. I kindly request that you return any original documents in your possession that pertain to this Power of Attorney.
Product: Debt collection

BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, XXXX, XXXX, and Transunion are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on XXXX, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Product: Debt collection

I've submitted multiple letters to XXXX regarding XXXX accounts. These XXXX accounts in particular are not all on XXXX and XXXX. In fact XXXX refuses to remove accounts that they say are quote on quote verified. I asked for their method of verification none was given. A violation. I've also received stall letters and sued XXXX in court. I may sue again if this matter isnt deleted. 

XXXX. Jpmcb- XXXX {$850.00} XX/XX/XXXX XXXX. Jpmcb-XXXX {$840.00} XX/XX/XXXX XXXX. Jpmcb-XXXX {$870.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$3100.00} XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX this account is showing a late payment. XXXX is not reporting any late payments. Please have them prove the late payment by showing a copy of their bank statement. That would show exaclty when the payment was made.
Product: Debt collection

Child Support has ALREADY reported the derogatory and inaccurate information to the credit bureaus. Child Support Enforcement is refusing to honor an administrative hearing court order, regarding child support. I had a child support administrative hearing a few months ago that ruled in my favor. I requested an administrative hearing to dispute the child support amount. It was a case where the mom ( custodial parent ) didnt inform Child Support Enforcement that during an 8-month period, that the child was living with the dad ( non-custodial parent ), full-time and she chose not to see the child for the first 5 months of that time. I requested the hearing because even though physical custody had changed, she continued to receive child support, because she didnt notify them of the change when it happened. Child support has ignored the ruling, and despite my many attempts, they are continuing to refuse to honor the specific order details, pertaining to the monthly child support amount ( Child support amount changed for a certain period because physical custody had changed for a period of time ).
I have faxed in requests for them to correct/adjust their records and to issue ME ( non-custodial parent ) the required $ 2,000+ overpayment, as awarded. Instead, they sent the mom ( custodial parent ) the $ $ credit ( overpayment ), that was due to me.
I have been calling and trying for months to get Child Support Enforcement to correct/update their records and make the proper adjustments, but they refuse. I personally went into a local office, more than once, and was given a payment history to show all the payments that had been received by Child Support Enforcement. I was also given a history of the required child support obligations. Their child support order history amount is incorrect because it doesnt represent the corrections of the child support amounts that were listed ( adjusted ) in the administrative hearing court order. Dates Complained : XX/XX/XXXX-Fax XX/XX/XXXX-Fax XX/XX/XXXX-Fax. XX/XX/XXXX-Office Visit XX/XX/XXXX- Office Visit
Product: Debt collection

XXXX XXXX is reporting false and inaccurate information on my credit report. They are showing a balance of {$800.00} which is false and inaccurate. When I disputed with them, XXXX XXXX stated that they sold the alleged debt to a third party, XXXX XXXX XXXX. I then disputed the alleged debt with XXXX XXXX XXXX and requested they validate the debt. XXXX XXXX XXXX then sent me bills from XXXX XXXX. The last bill was dated XXXX XXXX for a balance of {$460.00}. According to my Transunion report, the date that account closed was XX/XX/2023 with the balance of {$800.00}. How is that within the same month there are two very different balances? Ive also requested proper debt validation and they have failed to provide me with such proof. XXXX XXXXXXXX is violating my right to privacy as a consumer, reporting inaccurate, false and damaging information to the consumer reporting agencies. They are in violation of multiple federal laws.
Product: Debt collection

I am currently in dispute with Portfolio Recovery Associates, LLC, whom since XX/XX/XXXX, have failed to validate a debt they claim I owe to them. Instead of following the cease and desist while the debt was being disputed, they proceeded to report this collection to the three credit bureaus. In addition, on XX/XX/XXXX, they sent me a threatening letter claiming that " my dispute alleges no new facts and includes no new information in which to form the basis of a new investigation, we will not be conducting another investigation of the dispute '' They proceeded to state " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed. '' When I sent the first letter to Portfolio Recovery, they did not verify the debt. The second letter I sent requesting debt validation ( XX/XX/XXXX ), they responded back with a debt settlement letter. Soon after they sent the threatening letter ( dated XX/XX/XXXX ) refusing to investigate my dispute. I responded with a follow-up letter dated XX/XX/XXXX requesting validation, in which they failed to still verify. Instead they sent a letter dated XX/XX/XXXX with two statements. I have yet to receive the original signed contract with my signature stating I owe them this debt, and they continue to report invalidated and incorrect information to the credit bureaus claiming this debt is resolved, which is completely false and they added this false comment to my credit reports. As a consumer I have a right to dispute a debt and according to their letter dated XX/XX/XXXX they have taken away my rights by refusing to properly investigate this debt and taking away my rights to investigate this debt. They refuse to properly investigate this debt and as a result I am dealing with negative consequences based on their threatening and illegal practices!
Product: Debt collection

Security Credit Systems is calling my relatives including my grandmother from the other side of the country who I rarely talk to, and has been harassing my family for months
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally dispute several accounts that have been fraudulently reported under my credit profile. This dispute is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), as my personal information and identity were compromised, resulting in the unauthorized opening and reporting of the following 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  These accounts were opened or reported without my knowledge or consent. This constitutes a violation of my rights under the FCRA, particularly : 15 U.S.C. 1681 Section 602 ( a ) Protecting my right to privacy and safeguarding against inaccurate reporting of accounts not belonging to me. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) Prohibiting consumer reporting agencies from furnishing accounts without my explicit written consent. I have attached supporting documentation to substantiate my dispute, including : A personal statement detailing the circumstances surrounding the compromise of my identity. Records pertinent to my case. I respectfully request that the CFPB initiate a thorough investigation into these accounts, verify their validity, and ensure their removal from my credit profile. Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved and did not realize I owed on my cable bill. The cable company XXXX XXXX sent me to collections. I have since paid the account off in full. I have the bank records as well as the confirmation number they gave me at the time of payment. I have called them and they confirm I paid in full. I have directly disputed these charges with Transunion many times at least 5 times over the last several months and they still show me as owing this bill and as it being in collections. I called them and they say it takes time. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent, Capital One has violated my rights 15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit agencies fail to show that I have a credit card account with Citi. I opened this account in 1991, over 30 years ago, and have maintained it open continuously since that time. This is the only revolving credit account that I have open and I have no other debt, although I have 30+ years of excellent credit. I haven't used my Citi credit card for about a year, which resulted in Citi no longer reporting my account to the 3 credit bureaus. Because they don't report my open account ( which has a {$25000.00} open and accessible credit limit ), all three bureaus no longer show that I have any open accounts and don't recognize that I have had this card with excellent payment history since 1991 ( my oldest credit account ). This has caused my credit score ( previously XXXX in XXXX of this year ) to simply disappear from all three bureaus. I used the Citi card a couple of weeks ago, which Citi says will result in their reporting again to the three bureaus ; however, in the meantime my process of applying for a new mortgage has been completely de-railed. I have two inquiries on my account by the two lenders that both denied me due to the lack of a credit score. I will now have to get two more inquiries on my account if and when the score is re-instated. These extra inquiries can hurt my score. I tried to get Citi to proactively submit the past year 's worth of account status to the credit bureaus, but they insist that they must wait until the next billing cycle, which will be too late for the loan/home I'm trying to purchase. It's unfair to me and unfair to lenders that check my account right now and don't see that I have an open and accessible $ XXXX credit line with Citi, because that card and credit line are not being reported. Going forward, I will use the Citi card more often, but there is a problem with the system if and when banks are not required to report all open accounts to the credit bureaus, regardless of whether or not they have been used recently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX incorrectly reported my car lease/loan account as delinquent. The car was returned on time prior to the lease end date and all payments were made on time. In the time of hardship during covid-19, it brought my credit score down drastically and affected my ability to receive a personal loan because of this issue. The bank admitted it was a mistake but never resolved the issue with credit reporting.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I discovered that a company XXXX, which appears to be a gaming website, was logged into my Skrill account, moving money from by checking account by adding my debit card information ( which I never provided to them ). This went on back to XXXX. I did not realize this was occurring as none of the transactions were of a super high dollar amount, all under {$50.00}. But over the span of XXXX to XXXX, totaled over XXXX. 
I filed a dispute with Skrill on XX/XX/XXXX at XXXX. I received no additional communication from skrill despite my REPEATED requests on their website to provide me with an update. 
Then on XX/XX/XXXX, I received an email telling me that my Skrill account was blocked and that I would no longer be able to log in. Still no update on my dispute. 
Then today, XX/XX/XXXX. 10 DAYS after filing the dispute, I receive an email that they are just now reviewing and escalating it. Still no way to contact them ( they email from a " no reply '' email ) other than leaving comments on my dispute. Account still blocked/frozen. Money still gone. No mention of a provisional credit or refund. My bank is telling me I have to go through skrill since this XXXX company was basically just adding cash to skrill like you would any mobile wallet, and then siphoning it out from skrill to use as credits on their app which seems to some kind of fraudulent out of the country set up. 
I've also filed a complaint against XXXX. But Skrill is not providing me any update or refund and seems to be taking 10 days just to START a review, they're giving no guidelines for how long this might take, and are generally ignoring every request for information.
Product: Credit reporting or other personal consumer reports

According to the fair credit reporting act this creditor has violated my rights, Under 15 u s c 1681 section 602 states I have the right to privacy. 15 u s c 1681 section 604 A section 2 states that a consumer reporting agency may not furnish an account without my written instructions. Under 15 u s c 1666 b a creditor may not treat a payment on a credit card account or under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I've reached out to XXXX several times to inform them that they are in violation of federal law by reporting and disclosing my non-public personal information 15 U.S.C 6801
Product: Credit reporting or other personal consumer reports

On or about XXXX XXXX of XXXX, There were several unauthorized charges made to my account. ( See attachments below ). Upon realizing that I did not have my card in my possession, and after I logged in to view my account, I noticed there were charges totaling $ XXXX which is OVER my credit limit! 
The item is in dispute because these unauthorized charges on or about XXXX of XXXX were unauthorized. I reported this claim to XXXX as soon as I was made aware of these charges on or about XXXX of XXXX, when I logged into my account and finally noticed these charges. 
XXXX 's investigation alleges the claim was denied because I " made payments for the months of XXXX and XXXX of XXXX '' and that I " took long to report the claim. '' However, the payments that were made in XXXX of XXXX were from AUTOPAY. I did not CONCIOUSLY make these payments. I reported this claim as SOON as I found out my card was lost/stolen, which was the same day I reported the claim .I did not " wait '' to report it. 
XXXX now claims that I need to file a police report and a frivolous " Identity Theft Affidavit '' In order to have these charges removed. However, the local police department advised me it is too late to file a police report since the date of this first incident was over 1 year ago. Furthermore, XXXX XXXX XXXX words and now wants to fill out, under duress, the " Identity Theft Affidavit, '' through the pretense that I " never applied for a credit card through XXXX and. '' However, in direct contradiction to this, I never stated that " I did not apply for this XXXX credit card account. '' I specifically stated that this credit card was LOST and NOT in my possession between the months of XX/XX/year> XX/XX/year>. 
Therefore, I am not liable for the charges from XXXX XXXX XXXX and hence disputing these charges. 

Lastly, The unauthorized & fraudulent auto-debit payments and fees from XXXX to this account has ultimately led to the checking account being closed. 
Many others in my similar situation have also been victims of fraud by XXXX, which resulted in XXXX having to return more than XXXX XXXX consumers that were harmed by XXXX in recent years. ( See attached ). 

XXXX has financially abused my account and has not been fair. I properly reported this claim as soon as it came to my knowledge that my card was lost/stolen.
Product: Debt collection

A Capital One Bank USA account was opened in my name. I become aware recently and sent in a dispute to the credit bureaus. All bureaus have removed this account finding that it is not my account and that it was fraudulent. XXXX  refuses to remove this account even after disputing and receiving all supporting documents such as a police report, FTC report, a dispute letter notarized and the laws which they have violated. last dispute was submitted in XX/XX/2021. I have sent all this information to the credit as well the same day it was sent to the bureaus and no response has been provided and none to the bureaus so XXXX  has no support in stating the creditor was able to verify any information and they can not because it is fraud.