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

I am reaching out to challenge an inconsistency identified in the " PAYMENT HISTORY '' section of my credit report, specifically in relation to the following account that has been charged off. XXXX XXXX XXXX XXXX XXXXXXXX, I have observed this account continues to be reported as having a monthly payment history, even though it should not due to its charge off status. This constitutes a direct breach of the Fair Credit Reporting Act as it is inaccurately influences the statue of limitation
Product: Credit reporting or other personal consumer reports

I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report XXXX months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible XXXX - XXXX XXXX - XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX {$620.00} XX/XX/XXXX XXXX XXXX XXXX {$630.00} XX/XX/XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX {$3800.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$150000.00} XXXX XXXX {$570.00} XX/XX/XXXX **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 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
Product: Debt collection

I am writing to you to complain about Diversified Consultants XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX. I have found adverse account information listed on my credit reports, XXXX, XXXX, XXXX, and XXXX. I have no known or verified accounts with this business and after repeated verification request Diversified Consultants has not responded to my certified letters and continue to report to the three major credit bureaus in violation of federal law. This company unlawfully reported to XXXX, XXXX, XXXX, and XXXX as recent as XX/XX/2019. Diversified Consultants has continued to damage my credit rating and has caused me denial of credit by reporting inaccurate information to the four major credit bureaus. The erroneous account is in the amount of {$460.00}. The account is erroneous and not a result of any transaction that I have made as I am a victim of identity theft. It is inaccurate and unverified and remain on my credit report causing adverse actions as well as denials of credit, business opportunities and adequate housing. I attempted to contact Diversified Consultants multiple times via registered USPS certified mail with return receipts which prove Diversified Consultants has blatantly ignored my attempts resolve this issue and they have not responded to my requests. Diversified Consultants has misrepresented this account by changing various account information, such as account number and account type. This account has been blocked from my credit reports with all four major bureaus in the past due to identity theft. This is the reason they are changing various account information. I know Diversified Consultants is very aware of my identity theft status and they are in receipt of my most recent documentation they received with signature conformation on XX/XX/2019. This is in violation of Federal Law and my rights as a consumer. Please contact me to let me know how to resolve this issue. This has been ongoing for over a year with this company and enough is enough!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX - account # XXXX, I was reported for being late in XX/XX/2019 and XX/XX/2019. The information is not accurate. I was not late. This was an error from the bank. The Error was corrected. The account was paid. The status on my credit report for XXXX, XXXX, and Transunion is showing a late payment and reported as delinquent. I reached out to the company to please correct the late status to read paid in time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Piggy  Back on  Closed   File  :  XXXX  In response to your information : -I Called on   XXXX   to discuss the fraudulent credit inquiry on   XXXX    . After I called and gave private information to your Call Center, I got another hit on   XXXX   - from SYNC - I then again called on   XXXX   XXXX  o gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  X/XX/17    - from  XXXX  - I call again on     XXXX   XXXX  nd provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from  XXXX  I have called other places and provided my   XXXX   number via phone and no issue. But everytime I contact your contact center or  XXXX  bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  XXXX  times in a row, this provides me enough information to believe that somehow their is a breach between Transunion and  XXXX  transmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through   XXXX   bank has been processed either that day or the next day -  XXXX  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving   XXXX   bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls Transunion or  XXXX  and personal information/transmitted between  Trans  and  XXXX , that person private information is misused in another fraudelent inquiry from  XXXX  again.
Product: Credit card or prepaid card

Complaint is with my Capital One VISA. 

Capital One Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX XXXX Case Number : XXXX Dispute with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 for {$1200.00} The goods I ordered were substantially different from what the merchant presented to me. 

After trying to work with the company and failing, I filed a dispute with my VSA. They stated that the reason they did not find in my favor was because I did not send them At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 

The needed information was a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. 

I explained to VISA that store representatives from other furniture stores agreed with me but would be fired if they put that in writing. All other information was provided as the documents below show.

VISA erred in it's opinion by hinging it's denial of my dispute on the fact that other furniture store employees did not want to get fired by writing a letter in support of my claim. 

I was also unable to find in VISA 's dispute language where it says that I have to provide such a letter to prove my case. My case proves itself. see attached documents
Product: Debt collection

This company has failed to provide me with validation of an account I had disputed by mail correspondence sent to them last month. 
This is a debt I believe to be frivolous and the company 's failure to respond with validation proves that this is indeed a frivolous account. 
Additionally this company is reporting the account on my credit report as a past due account from last month and making it look as though this account is a recent account. This constitutes illegal reporting of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted 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 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 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 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 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

The following Account ( s ) : Debt Collector : XXXX : Collection Amount : {$2000.00} -Account. # XXXX -Debt Collector : XXXX  XXXX XXXXcollection Amount {$2700.00} -Account # XXXX -Debt collector : XXXX XXXX XXXX : -collection amount {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
Product: Checking or savings account

I was waiting for my unemployment prepaid card in the mail in the first week of XXXX and on the XXXX of XXXX i called to get the status on my delivery of the card found out that on the 3rd a card was sent to an address that i never heard of before and my card was intercepted they turned it off and issued another one the remaining balance out ouof XXXX plus XXXX was XXXX which i had to have bank of america send the remaining funds on XX/XX/XXXX th a month after i made my first claim because the card never showed up i finally got a card they expressed to me after i liquidated the account out of fear the rest of my money would be stolen filed a new complaint with them because no refund of my money was ever issued still to this day here are the un authorize transaction on XX/XX/XXXX atm of XXXX and a store merchant transaction of XXXX XX/XX/XXXX another XXXX withdrawl from atm XX/XX/XXXX another atm XXXX XXXX XXXX at an atm i was credited my weekly un employment funds XXXX on the XXXX of XXXX than on the XXXX was the day i called bank of america to check the status on my card online purchase of XXXX there was no more transaction since than because i reported fraud added a security question after spendong hours and days on hold to make a claim they still have my money and the investigation. The only other transaction is from me when they XXXX  XXXX my remaining funds on XX/XX/XXXX this is the reason i cant collect unemployment please help me resolve this issue thanks
Product: Credit reporting or other personal consumer reports

I've been out of the country since XXXX on work and then my XXXX  XXXX  and I placed a active fraud alert with statement that I would not be in the country for 8 years and please do not extend any credit out in my name at all, I even locked my credit file so I knew I would be protected! I used work with the office of the consumer affairs with XXXX in XXXX for several years so I knew locking your credit file and personal statement and placing a XXXX  XXXX would 100 % stop anyone from using my credit. I guess not! I get an alert on my credit file saying ive unlocked my Experian file and there was several credit inquires from XXXX XXXX XXXX and XXXX XXXX in GA! I called XXXX XXXX XXXX within seconds and XXXX XXXX and told them it was fraud and please call the police please and then called Experian and talk to XXXX in the upper fraud department and she removed the inquires as fraud and placed a phone number on my credit file to let creditors know to call this number before moving forward with any credit. I feel Experian is using every option not help me due to mistakes they made. I hired private investigators to track down the vehicles that were bought under my name fraudulently and returned them to XXXX XXXX. Then Experian removed and Blocked the loans that were taken out fraudulently from XXXX XXXX XXXX off my trade line and a year later they were unblocked and placed back on my credit file. It's like they believe everything XXXX Told them and nothing I stated. I even showed XXXX XXXX XXXX and Experian I wasn't even in the country when the vehicles were bought. So how did I purchase several Vehicles with I wasn't there. Then the police asked the XXXX XXXX and XXXX XXXX at XXXX XXXX for the video footage from the signing of the docoments to purchase the vehicles and they said to the police they lost the footage! yeah right! They vehicles was sold again as they were never even sold under my name fraudulently. How is that possible! I thought they were repoed. They covered there tracks! Vehicles were never even titled in my name. Then I see more loans coming from XXXX XXXX XXXX and XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX and loans department. I contact them the same day and dealership and they said they would not fund the loan and thank you for calling us. well XXXX AND XXXXXXXX XXXX did fund the loan and the person got the trucks. I disputed it back in XX/XX/XXXX and it was blocked and said it will never come back on my credit file. It did! several months later its back on there. Experian never backs the person they back the banks only with no proof at all from the banks but I've shown 100 % proof, I'm not even in the country to sign anything so how am I buying anything. I need help to remove these fraud accounts from XXXX XXXX XXXX, XXXX, XXXX, XXXX, NC Child support, Several collections and fraud address in XXXX NC and several in NC and SC. Next step in civil actions against Experian for allowing a credit reporting agencies to allowing a person to unfreeze and change username and passwords to buy and get credit under someones name fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to you to formally address the ongoing issue of fraudulent items on my credit report, specifically regarding my second attempt to have them removed. Despite my persistent efforts, the fraudulent items continue to XXXX my credit file, causing undue distress and hindering my financial well-being. 

I have diligently followed the protocols outlined by your organization to dispute and remove these fraudulent items. However, the lack of action and resolution from your end is both frustrating and unacceptable. As a consumer, I have the right to accurate and fair reporting of my credit history, and it is disheartening to witness the persistence of fraudulent activity without appropriate intervention. 

I urge you to conduct a thorough investigation into the fraudulent items and take immediate action to rectify this matter. It is imperative that these inaccuracies are promptly removed from my credit report to restore the integrity of my credit history and prevent further harm to my financial standing. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX : {$700.00} XXXX XXXXXXXX XXXX Balance : {$710.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$2000.00} CONNS XXXX Balance : {$2800.00} XXXX XXXX XXXX Original Creditor : XXXX PROGRESSIVE ) XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>.
Product: Student loan

I was on a rehabilitation plan to bring my loans current. When that period was up, my payments went up well over {$400.00} with Navient. When I called to lower them, the only option they gave me was to extend the loans, which only lowered the payment by around {$150.00}. I had no choice but to take the option, as I could not afford the payments, even though this wasn't even much lower. I asked about Income Based Repayment plans, and was quickly dismissed, with the rep saying it would be an exuberant amount and that it wasn't worth it. When I asked to go through the process anyway, she told me this new extended amount was the lowest it would be. I took the extended amount, and feel like I was pushed into a corner. I do not feel like I was helped properly. It seems as though Navient benefits more from the extended amount, and therefore did not want to give me the option to choose IBR.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXXXXXX 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 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 XXXXXXXX Balance : {$1600.00} CONSUMER ; XXXX XXXX XXXXXXXX Balance : {$5900.00} ; CREDIT XXXX XXXX Original creditor : XXXX  XXXX Balance : {$100.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX XXXX & XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$160.00} ; Medical XXXX Balance : {$240.00} ; Medical XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested XXXX times back in XXXX, XXXX, and XXXX of 2024 for the inaccurate and false bankruptcy to be removed from my credit reports, and they failed to tell me where they were verifying the information and the only place they could verify was from the court itself which the court does not verify records to credit reporting agencies. Attached Document : My rights have been violated and the credit reporting agencies have violated the FCRA : According to the FCRA, they have violated XXXX laws : 1. 15 U.S.C. 1681 ( a ) ( 4 ) Infringed Upon a Consumers Right to Privacy 2. 15 U.S.C. 1681b ( a ) ( 2 ) No Permissible Purpose/ No Written Instruction 3. 15 U.S.C. 1681s ( 2 ) ( a ) Furnishers Must Not Provide Information that They Know to be False and that Can not Be Verified
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act 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.
Product: Money transfer, virtual currency, or money service

Good day. On the evening of XX/XX/XXXX I received a text message from a bank stating that someone was trying to take {$2000.00} from my account! Reply ( y ) if I authorize and ( N ) if not. So I typed no. 2 Mins later I received a call from Bank of america and the guy who I believe that worked there he went through every procedure. He stated that I needed to reverse it back to myself through XXXX. I Contacted bank of america and XXXX they told me they had all the information and accounts that it went to. One lady I spoke with even said all the number are actually a bank or america number so I thought this was a bank I could trust. This man had all access possible to my account so I believe it was a inside job. They claim they were investigating and came back shortly after stating it was nothing they could do. But yet this is suppose to be a bank that I could trust!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 a unauthorized hard inquiry occurred without my permission from a discover financial
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX -- Unauthorized Inquiry REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I have a {$300.00} credit card from total Visa, This is my 3rd complaint about late charges, On XX/XX/2021, I was charged a late fee of, XXXX dollars. I only had a balance of XXXX. Now it's XXXX.