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

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I booked a trip through XXXX XXXX  that was advertised as a stay in the XXXX tower within XXXX resort in the XXXX from XXXX XXXX. Upon arrival we were given a room in the XXXX tower which is cheaper and lower quality. I reached out to the organizer on XX/XX/XXXX and they have yet to respond. I contacted Chase on XX/XX/31 to file a claim. They refused to take the claim stating that I accepted the goods therefore the companies policies would be in effect. XXXX published policy said it was non-refundable and was silent to providing an inferior product. With that being the only disclosure provided feel that Reg-e should still apply. A reasonable consumer would not know to refuse possession. Additionally I have asked for a copy of my CC disclosure as it is not easy to locate on their website or when signed into my online account.
Product: Debt collection

On XX/XX/2020 I called this company and told them I didnt have an account with them and also disputed it with the 3 credit bureaus. They replied back and stated on my credit report, information has been verified. This debt collection company XXXX XXXX XXXX XXXX , XXXX is violating the FCRA by submitting debt under my name to the major credit bureaus which is unsubstantiated and validated insufficiently. Debt validation must meet certain criteria based on the FCRA and what they provided is unlawful!
Product: Credit card or prepaid card

Someone attempted to open a credit card in my name with my personal information ( SSN ) to the following address which is not mine. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX. This account was discharged in bankruptcy but is reported as open with an outstanding balance. 

Navy Federal Credit Union. I paid this account off, but the pay status lists the account as charged off. Check the Activity Designator and Comments fields. These XXXX fields show the account as paid. 

XXXX. The balance on this account is inaccurate. This is an auto loan account, and the automobile was repossessed. I voluntarily turned this car in. XXXX sold the car but did not credit my account and update the balance. 

XXXX XXXX XXXX. I did not apply for a loan with this company. The credit inquiry is illegal and must be removed.
Product: Debt collection

This company has continued to harass and provide inaccurate reports to my credit report. I do not owe them anything. They have not provided a signed contract agreement that they claim to have with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello After reviewing my credit report, There is alot of inaccurate information reporting on my credit profile. I have reach out to creditor as well as the 3 Bureaus. And there has been no response. The Creditor sent a Transaction Report but again those transactions were not mine. I'm a victim of identify theft as well as Covid19. I also reached out to credit Bureaus 2 months ago almost with no resppnse. I'm asking for those itens to be removed that does not belong to me. 

See Attachment. Thank you
Product: Debt collection

I have received several " robo calls '' from a company calling itself Dynamic Recovery Solutions, a debt collection agency. The calls come from various numbers. In his vague recorded messages, the caller asks me to call him about " important matters. '' I have not called him back, as I have no outstanding debt and it seems clear this is a scam. I do n't want to provide any more personal information than they already appear to have. The XXXX of complaints about Dynamic Recovery Solutions on the Internet also indicate that this is a scam. They have called me several times, and it appears harassment is their business. Can you please make these XXXX stop bothering people? Thanks.
Product: Vehicle loan or lease

I made a payment, to CRB Auto/Mechanics Bank, on XX/XX/2021 for {$230.00}. When I went to pay my bill for XXXX, I noticed a late fee for {$11.00}. When I went to make sure I paid in XXXX, I discovered a " payment reversal '' on XX/XX/2021. I called the bank I used to make the payment, and was informed that at no point over the last 3 months has my balance dropped less than {$280.00}, and therefore, any such payment would not be rejected. I called Mechanics Bank on Monday, XX/XX/XXXX, to inquire as to why there was a late fee, and informed that they had called, and emailed me to inform me that my payment had been reversed. The last email I received from Mechanics Bank was on XX/XX/XXXX, confirming that I made a payment. I have no further communications, and never received a phone call. I called again on XX/XX/XXXX, and was told that I would have to pay the late fee, regardless of who is at fault. When I asked which bank account the bill was charged to, I was told they " did not have the resources in front of them '', and would have to " request it ''.
Product: Credit reporting or other personal consumer reports

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. I sent them letters requesting the verification and deletion of unauthorized inquiries I found on my Credit Report dated XX/XX/XXXX. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXXXXXX XX/XX/XXXX 3. XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXXXX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XXXX XXXX XX/XX/XXXX 20. XXXX XXXX XX/XX/XXXX 21. XXXX XXXX XX/XX/XXXX 22. XXXX XXXX XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XXXX XXXX XX/XX/XXXX 27. XXXX XX/XX/XXXX 28. XXXX XX/XX/XXXX 29. XXXX XXXX XXXX XX/XX/XXXX 30. XXXX XX/XX/XXXX 31. XXXX XXXX XXXX XX/XX/XXXX 32. XXXX XX/XX/XXXX 33. XXXX XX/XX/XXXX 34. XXXX XX/XX/XXXX 35. XXXX XX/XX/XXXX 36. XXXX XXXX XXXX XX/XX/XXXX 37. XXXX XXXXXX/XX/XXXX 38. XXXX XX/XX/XXXX 39. XXXX XX/XX/XXXX 40. XXXX XXXX XX/XX/XXXX 41. XXXX XXXX XX/XX/XXXX 42. XXXX XXXX XX/XX/XXXX 43. XXXX XXXX XX/XX/XXXX 44. XXXX XX/XX/XXXX 45. XXXX XX/XX/XXXX 46. XXXX XXXX XX/XX/XXXX 47. XXXX XXXX XX/XX/XXXX 48. CAPITAL XXXX XX/XX/XXXX 49. XXXX XXXX XX/XX/XXXX 50. XXXX XX/XX/XXXX 51. XXXX XXXX XX/XX/XXXX 52. XXXX XX/XX/XXXX 53. XXXX XX/XX/XXXX 54. XXXX  XXXX XX/XX/XXXX XXXX. XXXX PREMIER XX/XX/XXXX
Product: Prepaid card

I recieved a Vanilla Visa gift card for XXXX, XXXX. I opened the cardboard packaging and attempted to use the card on XX/XX/XXXX, but was told that there were no funds available on the card. Presuming there was a mistake, I contacted the person who bought the card as a gift. That person confirmed that she purchased the card in XXXX and loaded {$200.00} on the card. There was no mistake there. The next day I called the customer service number to verify this and it was confirmed that there was a balance of XXXX dollars. I then opened the Vanilla Gift card website on XX/XX/XXXX and entered the card information in order to view the transaction history. There was an unauthorized debit of {$200.00} ( the entire balance on the card ) on XX/XX/XXXX at XXXX to a name that I do not know. Keep in mind that I had not attempted to use this card or even open the packaging before XX/XX/XXXX. 
Upon learning of this, I attempted to dispute the transaction, but the website would not allow me to do so. There is no way to get a hold of a human representative of the company through either the website or the customer service phone number provided with the card. The issue of card security that I am experiencing is not uncommon, unfortunately. I have no recourse other than to contact the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX is reporting my charge off accounts with the wrong dates,! 
They are reporting accounts that have been closed as open. 
For examples XXXX XXXX XXXX XXXX has a date of XX/XX/year> but the account was closed for XXXX years. Already a charge off. Tax write off but still being reported by all credit reporting agencies. Unfairly and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint as a follow up to the previous Complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File in accordance with the Fair Crediet Reporting Act section 605b. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I am requesting that you remove the following items off of my Credit file as soon as possible ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$1500.00} XXXX XX/XX/2022. These Items were the results of my identity being stolen. If you believe that these items belong to me, I required you to send me copies of proof of ownership or any documents you found during your investigation to support such claims.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Texas XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Collection Account Reporting Subject : Request for Removal of Collection Account Based on Consumer Protection Laws Dear XXXX, I am writing to formally dispute the collection account listed on my credit report for XXXX XXXX XXXX, account number # XXXX. The account is reported as a collection item, and I believe this information is either incorrect or incomplete.

As required by the Fair Credit Reporting Act ( FCRA ), I am requesting that this collection account be reviewed and removed from my credit report. Under the FCRA, all information reported to credit bureaus must be accurate and verifiable. In this case, I believe the following may apply : 1. Account Information is Inaccurate : XXXX XXXX XXXX XXXX XXXX Reporting inaccurate account status.

2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Consumer rights have been violated by improper reporting information.

I request that you investigate this matter and remove this collection account from my credit report if it can not be verified as accurate and complete. As per the FCRA, you are required to complete your investigation within 30 days and provide me with the results. If the information can not be verified, the collection account must be removed.

For your reference, I have included supporting documentation that may help in resolving this dispute, such as : Correspondence with the creditor or collection agency.

Dispute letters sent to the collection agency ( if applicable ).

If this collection account is found to be inaccurate or unverifiable, I request that you update my credit report to reflect the correction.

Please notify me in writing of the results of your investigation, as required by law. If you require any further information or documentation, please feel free to contact me at the address or phone number listed above.

Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

To Whom It May Concern, My wife and I encountered several issues with Alliant Credit Union at the time of mortgage payoff and post closing of said mortgage. We requested a payoff statement as well as stop payment on our mortgage prior to the sale of our property. Despite the confirmation that the final mortgage payment would not be processed, Alliant credit union went ahead and in fact debited our account for an additional payment which resulted in incorrect payoff statement which subsequently delayed our new property purchase. 

Further to this ineptitude from Alliant, on XX/XX/2020, an additional payment for a mortgage that not longer exists was processed. This has created financial hardship and we are receiving a lack of sense of urgency and inadequate response times.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few weeks ago I had a fraudulent account report to my credit report, this account is fraudulent because I do not owe any lender or creditor. Not to mention I was never sent a letter informing me as the consumer at least 5 days prior to it reporting that this alleged debt was even mine. So now almost 30 days ago I sent a letter about about me demanding this fraudulent account be removed or show viable proof that it is even mine to begin with! These reporting agencies need to remove this account IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I called XXXX to Verify a deposit that my bank chase said they didn't see in my account. When I called the XXXX number listed on the internet web ( XXXX ) A paypal impostor took my call. The fake XXXX agent had me download an app to my phone to send the transfer back to my account. They had me open my mobile bank app and that when they had the XXXX to send money to their account. I was frauded out of XXXX XXXX dollars. Chase said they can't refund my account because I authorized it. My phone was hacked.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security number:XXXX  My correct address isXXXX XXXX XXXX XXXX XXXX, Florida XXXX My employer is : XXXX XXXX  XXXX Please correct this typographical information immediately as it portrays me as a person engaging in fraudulent behavior. Also please delete all telephone numbers that appear in my credit report, as I have been a victim of robo-calls. 
Please not that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 
Under Section 611 of the FCRA ( Fair Credit Reporting Act ), I expect you to delete these negative accounts and provide me with an updated report within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax on XX/XX/23 on 6 credit inquires. They completed their investigation the same day XX/XX/23 without providing proof or any original documentation. I sent a 2nd written request on XX/XX/23 with no response requesting those inquires be deleted. 

EQUIFAX is clearly in violation of federal Law to provide a copy of the original creditors documentation on file to verify that this information is mine & correct. In the results of your first investigation, you stated in writing that " The information you disputed has been received. The results are INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY ''. 

Who verified these accounts? Equifax have NOT provided me a copy of ANY original documentation required under Section609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it and Section 611 ( 5 ) ( A ) of the FCRA- you are REQUIRED to " promptly DELETE all information which can not be verified ''. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX.XXXX At the time. I called multiple times and XXXX XXXX  said everything looks good on their side. I tried to talk to a credit to dispute but I cant.
Product: Student loan

In short, Myfedloan.org misrepresents the amount owed on a loan on it 's website. When looking at " payments and billing, '' the total loan balance is shown. However, this balance is not truthful- it does not include the accruing interest. So, my balance showed {$220000.00} for 6 months while I was making XXXX dollar payments every month, thinking this was covering the entirely of the accruing interest, given that the balance was not changing. However, my payments were in fact not covering all the accruing interest. Suddenly, the next month my principal jumped up {$15000.00}, because there was hidden interest accruing that just capitalized ( per the explanation of the phone representatives ). As a result, even though I paid {$18000.00} on my loan over 12 months on my loans, my principal actually went up to {$230.00}, XXXX, a net increase of {$10000.00}. This is not truth in lending.
Product: Money transfer, virtual currency, or money service

Customer paid through XXXX and they are holding the money. It has been 9 days and we can not get in touch with them by phone or email.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is currently in violation by reporting late payments on my consumer report The national emergency for the covid XXXX pandemic was recently declared ending as of XXXX XXXX XXXX. The XXXX act declares that late payments can not be reported. If you look at capital ones website there is still an active page that says reach out for help due to coronavirus relief. I did so and was under the impression that late payments were not to be reported and I had forbearance options. I was misled by them, and the credit bureaus should not be reporting late payments on my account. Furthermore the hero 's act suspends negative reporting of information to consumer reports during the caronavirus pandemic for which XXXX XXXX just ended. That means that the late payments being reported to my consumer report should not be reported which at present are being reported for XXXX, XXXX, and XXXX of XXXX. When the banks have issues they are bailed out. The people that keep the banks in business are promised something by law and they don't oblige. That is wrong. I demand that these late payments be removed at once. 

Furthermore under 15usc1681a ( 2 ) ( A ) ( i ) which is under the exclusion section. It says a consumer report isn't supposed to contain information solely as to transactions or experiences between the consumer and the person ( person can also mean corporation ) making the report. Payment history and utilization are examples of " experiences '' therefore they shouldn't be a part of a consumer report. 

Lastly 15usc6802 also known as the gramm leech bliley act, is a federal law and it supercedes all state laws and it most definitely supercedes company policy. XXXX XXXX never gave me the option to opt out of them reporting anything to my credit report which in turn is fraud. It's federal law to require a background check to purchase firearms, XXXX somebody opening their own pawn shop or XXXX shop and they say well " my company policy is that we don't do background checks '', what do you think would happen to the owner of that business? This is the same for XXXX XXXX. The law supercedes them and I never gave them authorization to report anything to my consumer report.