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

On XX/XX/2024 I requested a detailed summary of the investigation conducted on my credit reports reporting inaccurate and fraudulent information. I have not received any detailed information on the process conducted to verify these accounts. The original auto loan account XXXX XXXX XXXX # XXXX has been deleted, however the collection account that stems from that loan still shows on my credit report as XXXX XXXX XXXX, XXXX # XXXX. After carefully reviewing my credit report I noticed that the account listed is inaccurate and does not belong to me. I did not authorize anyone to furnish this account. The open date, date last active, date of last payment are showing inconsistently between all three credit bureaus and furnish information that does not belong to me. The Fair Credit Reporting Act Section 1681c-1 states that a fraudulent account must be deleted after the consumer verifies their identity, also the Fair Credit Reporting Act Section 1681e ( b ) states that if information is inaccurate then it must be deleted. I am requesting a detailed summary of the investigation that was conducted once again. I have attached my credit report and as you can see nothing has been updated or deleted the account is still inaccurate and fraudulent. I have also attached an identity theft report from the FTC. I want this fraudulent account deleted immediately.
Product: Credit reporting

Rash Curtis & Associates has been fraudulently attempting to collect for a debt which I do not owe on XXXX accounts for a hospital that closed over more than a year ago. The collector has proof that I was covered fully covered by XXXX whom paid for all my XXXX expenses. The collector has refused to provide me with proof that I owe them or that XXXX did not pay. After receiving my certified letter which they signed as received on XXXX/2017 ( proof is attached ) advising them that they had 30 days to validate the debit or I would be contacting the XXXX as well as filing a law suit against them, they refused to respond. I 'm sending a letter to XXXX today requesting for these fraudulent accounts ( XXXX, XXXX & XXXX ) to be removed within 30 days as they also will be unable to validate this debit. I have attached my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company : JP Morgan Auto Finance XXXX XXXX XXXX, Mail code XXXX, XXXX LA XXXX This was a lease for a XXXX  XXXX. XXXX was involved in an accident, total collision. My Insurance company, XXXX XXXX, sent JPMCB reimbursement check. JP stated there was a residual amount of {$1.00}, XXXX. I paid this amount accordingly, 2 years ago!!! Now, JPMCB has erroneously reported it as a Charge OFF. I contacted JPMCB, they have NO EVIDENCE or account information available. 

How are they allowed to report negatively on an account that has no evidence? 
This is impacting me negatively and financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 agencies XXXX, Equifax and XXXX are in violation of 15 U.S.C 1692g. They were to notify me of this in writing 5 days prior I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit monitoring alert that there was an inquiry to my XXXX  Credit Report from a company called PenFed Credit Union. I noticed other similar inquiries on the same day from other entities. I feared I had become the victim of identity theft, and in fact that is exactly what happened. I had several home loan and personal loan type applications made in my name across several companies. 

I called PenFed on XX/XX/XXXX to inquire about the inquiry, and they had no record of it. The rep I spoke to was in the Home Loan department, and indicated it might have been another type of loan, but those departments would not be open until Monday. 

On XX/XX/XXXX I put a fraud alert out on my credit report, I also froze my credit reports, because I feared the inquiries would not stop unless I took this action immediately. 

On XX/XX/XXXX I called PenFed again and spoke to the personal loan department, and the credit card departments. Neither of these departments had any indication that I had applied for a loan with their company. I asked to speak to the fraud department, and I was told they were internal only and that they do not speak to customers. 

Later that week, maybe XX/XX/XXXX, I called again to follow up. Thinking maybe it would take some time to get into their system, but again the rep had no records indicating I had applied for any financial product at PenFed. I worked on the phone with the rep for over an hour creating a report for him to send to the Fraud department, who was supposed to get back to me within 2 weeks. They never reached out.

Meanwhile, since they had no record, I figured disputing the inquiry at XXXX  would be no issue, as they clearly wouldn't be able to validate the inquiry. My disputes to XXXX  on XXXX, XXXX, and XX/XX/XXXX were all denied saying they had validated the information with the lender and that it was a legitimate inquiry for a loan. 

On XX/XX/XXXX I received a letter from PenFed indicating that they have denied my ( fraudulent ) Personal Loan Application. However, they are obviously still treating it as a legit loan application and not as fraud as they have been alerted to on numerous occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Debt collection

I been disputing several accounts with the creditors, and bureaus. Each time i send out a dispute that indicate section XXXX i get return verification without any additional method of verification. I advised all parties to provide me with accurate info/docs that obligates me to the debt/account that appears on my credit reports at which i continue to receive letter from all parties without any of the info i inputed in my dispute letter justifying obligation to the debt. please obligate them to provide all accurate information that show my contractual signer or obligation to any debt presumed i owe. I've been disputing these account for over a year now. Here are some dates and additional info included : 1. Debt validation letter sent on XX/XX/XXXX to Santander disputing amount owe {$8800.00} charge off 2. Debt validation letter sent on XX/XX/XXXX to XXXX XXXX disputing amount owe $ {$2400.00} 3. XX/XX/XXXX XXXX, XXXX, XXXX dispute letter for XXXX, XXXX XXXX, XXXX XXXX 4. XX/XX/XXXX Debt validation letter sent to XXXX   XXXX disputing amount owe XXXX 5.XX/XX/XXXX XXXX, XXXX , XXXX  dispute letter to Diversified amount owe {$350.00} also attached police report to all bureaus, creditors, and collectors 6. XX/XX/XXXX Debt validation letter sent to Diversified
Product: Debt collection

There was a lawsuit against Green Tree Servicing to pay $XXXX XXXX to settle federal charges that I feel we/husband I should have been included.  We were treated horribly.  Even when we were trying to pay off the loan, the representatives were very rude and threatening. We would receive a call one day and be told it is on record when and how we would pay off our loan, yet someone would call the next day threatening. We would have to go through the story again and the very next day someone would call again. We were finally able to pay the loan off thank God; however, we had the loan for almost 20 years and should not have had to be subjected to such rudeness.
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed addresses and inquiries that do not belong to me. I need this fraudulent information removed immediately.
Product: Credit reporting or other personal consumer reports

am writing to file a formal complaint and request the immediate removal of a fraudulent account from my Equifax credit report. As a victim of identity theft, I have been subjected to unauthorized accounts and transactions that have adversely affected my credit standing. In accordance with 15 U.S.C. 1681 of the Fair Credit Reporting Act ( FCRA ) and Equifax 's policies, this fraudulent entry must be removed to ensure the accuracy and integrity of my credit report. 

The details of the fraudulent/INCOMPLETE account are as follows : - **Account Type** : Revolving - **Account Owner** : Individual Account - **Loan Type** : Credit Card - **Creditor Classification** : Revolving Credit Limit : {$1500.00} - **High Credit Amount** : {$1700.00} - **Term Frequency** : Monthly - **Term Duration** : - **Activity Designator** : Closed - **Date Opened** : XX/XX/XXXXXXXX  - **Date Reported** : XX/XX/XXXXXXXX  - **Date of Last Activity** : - **Payment Details** : - **Months Reviewed** : 1 - **Deferred Payment Start Date** : - **Scheduled Payment Amount** : {$0.00} - **Date Closed** : XX/XX/XXXXXXXX  - **Actual Payment Amount** : {$0.00} - **Charge Off Amount** : {$1700.00} FRAUDULENT INQUIRIES/ : 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 i request/demand these fraudelent accounts and inquires be removed immediately. 


This information is the result of identity theft and does not accurately reflect my credit history. Additionally, these accounts were deemed unverifiable and have been suppressed by XXXX XXXX XXXX. I have attached a copy of the identity theft report filed with the Federal Trade Commission ( FTC ) for your reference. 

Under the FCRA, consumers are entitled to dispute any inaccurate information on their credit reports and to request its removal if proven to be fraudulent. Despite my previous attempts to resolve this matter directly with Equifax, this fraudulent charge-off account continues to appear on my credit report, causing significant harm to my financial reputation. 

In light of the above, I kindly request the FTC to intervene and ensure that Equifax promptly investigates this disputed account and removes it from my credit report. I have attached copies of my identity theft report filed with the FTC, police reports, and any other relevant documentation to substantiate my claim. 

I trust that the FTC will take swift and appropriate action to rectify this issue, ensuring that my credit report is accurate and reflects only legitimate transactions. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts from my credit report as permitted under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( a ). My information was compromised in the XXXX data breach. As a result, this has led to me being a victim of identity theft, and unauthorized accounts being opened in my name. I have included an attachment of XXXX confirming my information was compromised and I kindly request that Experian block the following accounts and prevent any further reporting of them on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with 15 U.S.C. 1681c-2 ( a ), I request that these accounts be blocked from appearing on my credit report.
Product: Vehicle loan or lease

On or about XX/XX/XXXX I filed a complaint with the Office of the Comptroller of the Currency ( XXXX ) against Capital One, NA. The complaint, see attachment, was concerning an auto loan Capital One continues to report, as of XX/XX/XXXX, to XXXX CREDIT BUREAU as a delinquent auto loan. In a letter dated XX/XX/XXXX, the OCC informed me that it contacted Capital One, NA regarding this matter and that Capital One had responded. The OCC further explained that if I " wish to dispute the bank 's position '' that I would need to follow up with this agency, which is what I am doing now. Capital One, despite its response letter, see attachment, can still collect on its purported loan although no title has been issued by the New Jersey Motor Vehicle Commission under my name. An assignment of title is required to show the purchase of the car. I stopped making payments on the purported loan in XX/XX/XXXX. Therefore, the 5 year limitation allotted to Capital One to dispose of such asset connected with a debt previously contracted that was established through OCC regulations has expired, see OCC complaint. Apparently, the car does not serve as proper collateral for the purported loan because of the numerous dangerous nationwide recalls, including leaking gasoline pipes in the engine. Capital One can still file suit against me because Capital One was allowed by the US District Court of New Jersey to collect the purported auto loan debt in a federal lawsuit I filed because Capital One is a National Bank. The Third Circuit Court of Appeals judges also affirmed Capital One 's counterclaim against me and even ordered me to pay Capital Ones litigation costs for the appeal, see attached Petition for Panel Rehearing and Rehearing En banc. The chief judge 's denial of my Petition was limited to panel rehearing only, " XXXX XXXXXXXX XXXX vote is limited to Panel rehearing only. ( TMM ) '' see attached email from the clerk of the court. I am afraid that Capital One can still collect on the debt through the courts in New Jersey as it did in the US District Court and Third Circuit Court of Appeals, except for the chief judge.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

XX/XX/XXXX, we used a check from CitiBank for a balance transfer of {$14000.00} with zero interest for 17 months. We always pay off the balance before the deadline when interest starts accumulating. We put the payments on autopay to be sure they would be paid every month. When we went to pay off the balance, we found that 14.99 % interest had been charged for every month from the first month. Citibank stated that the balance transfer check was expired. First of all, there was NO statement on the check stating that if it was cashed after the date of XX/XX/2015 that interest would be charged. No Citibank representative ever attempted to contact us to inform us that the check had expired and that there would be interest involved with the use of the check. This is a gross misrepresentation. We have been Citibank customers for over 10 years and they will not review our case beyond saying they will credit only 2 months. We receive balance transfers all the time and there was no reason why we would choose one with interest over another one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXMy wife and I had a car loan with XXXX XXXX XXXX  since XX/XX/XXXX.. In late XX/XX/XXXX of this year, my wife had an accident with the car. XXXX XXXX deemed the vehicle at total loss. XXXX XXXX XXXX   issued us a Total Loss letter dated XX/XX/XXXX. XXXX XXXX issued and mailed a check to XXXX XXXX XXXX  in the amount of {$9400.00} on XX/XX/XXXX I noticed that the loan was not paid off on or around XX/XX/XXXX. I contacted XXXX XXXX XXXX   numerous times by phone, email and fax to try to rectify the situation. By the end of XX/XX/XXXX, XXXX XXXX XXXX  notified all 3  of the credit reporting agencies that my wife and I were 30 days late on our car loan. XXXX XXXX  has the payoff check from XXXX XXXX  in their possession. In total desperation, after countless calls and conversations with Supervisors and loan specialists, I told them I was going to file a formal complaint. Two days later, I received a phone call from XXXX at XXXX XXXX  saying she would try to help. She asked if I could call my adjuster at XXXX XXXX  and ask they could reissue a check. I said sure. My adjuster XXXX  said it would be no problem to re-issue a check. XXXX stopped payment on the first check that they issued on XX/XX/XXXX and reissued another check on XX/XX/XXXX. The check was received by XXXX XXXX  on XX/XX/XXXX and paid off the loan. In the interim, my wife 's and my credit score has dropped by almost 100 points each because even though XXXX XXXX  could not find the first check .. nor had any Supervisor or loan specialist ever suggested that I ask if XX/XX/ reissue a check ... it wasn't until I threatened them with a formal complaint until anyone acted.. but our credit scores are still XXXX XXXX  each because of their neglect. I sent XXXX XXXX XXXX, Senior Vice President a formal complaint via XXXX XXXX  on XX/XX/XXXX and I also filed a formal complaint with the OCC. In total, beginning on XX/XX/XXXX, I submitted 9 email requests with copies of the check to XXXX XXXX, 1 fax with attached documents, and countless phone calls asking for help and explaining my situation ... Finally, after me saying that I was going to file a complaint, someone called me back ... Our credit scores are still XXXX each and XXXX XXXX XXXX has yet to respond to my complaint. I've never seen a bank so non responsive and just not care. Meanwhile, my wife and I need to buy a new car and we wanted to re-fi our primary home along with our vacation home. With our credit scores being devastated by this total neglect of a bank, we are now put in negative financial situation.
Product: Credit reporting or other personal consumer reports

Credit acceptance has never reported and positive payments. I had the account on auto pay until it was stolen then insurance paid it off. Credit acceptance started reporting that I missed payments which is false. The account information theyre reporting is false. The payment information theyre reporting is false. 

Inquiries on my credit report were not approved
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

XX/XX/XXXX
Product: Student loan

I have made numerous calls to Navient about lowering my monthly payment. I was told I could not lower my payment to less than {$90.00} because I make too much money. I agreed to pay {$90.00} under a income sensitive program. I turned in all paperwork to navient to enter the payment program. I then receive a letter in the mail saying my new monthly payment is {$100.00}. I did not agree to this. I was also told that my first payment of {$90.00} was due on XX/XX/XXXX. When I log on to the website it says my payment is {$210.00} and I owe {$98.00} in late fees?? I was totally lied to. 
My account was also put into forbearance which I did not ask for. The payments I missed during the forbearance are now on my credit report.
Product: Credit reporting or other personal consumer reports

REQUEST WAS MAILED IN TO THE COMPANIES.. BACK IN YEAR 2022 WHEN I FIRST LEARNED BEEN TRYING EVER SINCE. THE ONLY INQUIRIES ON MY REPORT SHOULD BE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status incorrect showing delinquent account when it's not Those participating in this fraudulent innacurate reporting. 
XXXX XXXX XXXX AMERICAN HONDA FINANCE XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX Has placed fraudulent, inaccurate information on my credit report. 
after reaching out to the company as well as credit reporters no action was taken. I correct balances have been reported. XX/XX/2022.
Product: Credit reporting or other personal consumer reports

There is a multiple inquiries on both my Transunion and XXXX reports that I did not authorize them to look or run my credit. Please update and remove these inquiries from my reports. I have attached a fraud report.
Product: Credit reporting or other personal consumer reports

I have requested written verification allowing the following companies to view my credit file on these dates. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize any of the following to view my credit file. DID NOT! I requested validation showing my physical signature, nothing. I have asked XXXX times now.
Product: Credit card

I been trying to attain a increase for 7 months now from " Goldman Sachs '', and just today on XXXX XXXX ; XXXX I ask again for a credit increase and once again denied. Their reason which been their same reason over and over again that due to lates, or negatives on my XXXX, from which this bank pull from that my request has been denied. I have told them I don't know where you attain this information from, but your computer system is not accurate at all. My credit scores are in the XXXX which is listed as excellent rating. One can not attain an XXXX  credit score, and don't have " ANY '' lates, negatives, or derogatory on your credit report that's just impossible. I ask them to look at my XXXX, and XXXX to prove my real credit scores and report and they refuse. So I had no choice but to file a complaint on Goldman Sachs. I also have filed a complaint with Federal Regulation Board.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 i sent the Consumer reporting Agency TransUnion and certified Letter TRACKING # XXXX with green return receipt. 

Letting TransUnion know, in accordance with the FAIR CREDIT REPORTING ACT, 15 U.S.C 1681c Section 605 reporting periods only run 7 or 10 years depending on the type of information. in my case, the information in question is OUTDATED and EXPIRED and needs to be deleted from my consumer report. 

Account name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX