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

The following inquiries are fraudulent and unauthorized by myself and need to be removed immediately. 
I am hereby notifying you that neither on that date or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), Both together and separately my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters since XX/XX/2022 to XX/XX/2022 with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the remaining unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Equifax and XXXX has accounts that are incorrect on my credit report they took XXXX points from me for absolutely nothing I've reported it several times and nothing has happened I've also reported identity theft I submitted the police report all the companies that were involved in my identity theft have reported that it was not me I then froze my credit and stuff still has popped up that's not mine it has it packed my credit score and it has not been fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I am requesting validation made pursuit to 15 USC 1692g Section 809 ( b ) in which I am requesting proof that I am indeed the party you are asking to pay this debt and that there is a contractual obligation that is binding on me to pay this debt.
Product: Debt collection

Internal Credit Service of XXXX, NC sent me a letter dated XX/XX/XXXX informing me I owe {$250.00} to XXXX XXXX ( gym ). I immediately realized that my card which had been cancelled and replaced due to fraud was no longer connected to my gym account. I called the gym, and they said they can't do anything about it until I pay the debt collector. 

I called the debt collector and asked why I was being charged {$250.00} when I should owe {$170.00}, and he said it was due to fees. During this exchange he threatened me with legal action immediately, and then hung up on me. I called him back, and asked for clarification, and also his name. He refused to give me his name, threatened a lawsuit, and hung up on me again.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, The list of accounts has violated. My federally protected consumer rights to privacy and confidentiality under 15 u.s.c. 1681 ... 
Account Names.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  .... 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. 15 u.s.c. 1681C. ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of Convictions of crimes which antedates the report by more than seven years. 15 u.s.c. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Capital One in XXXX to pay off my 2 cards. I gave them the balances owed because they do not show all of the card numbers on the credit report. I had one card that I was a signer on and the other with just myself. Capital One gave me the collection agency to call. I called and payed off one of the cards. I was told that it would take 10 days to update. When it did not, I called Capital One back. They told me that the payment was showing up but that it could take up to 30 days. To call the agency back and have them update. I called XXXX XXXX back and told them what Capital One said. I then called Capital One and asked them to send me a payment letter. They next did. Later in XXXX I called Capital One to discuss my 2nd card. I asked how to take care of it. I was told to call XXXX XXXX and I was given the XXXX number as the last 4. I asked several times about the XXXX balance to make sure I was paying off the 2nd card. I was told it was. I paid XXXX on XX/XX/XXXX to settle this account. I have called Capital One about 15 times since XXXX and I was given incorrect information EVERY single time until a couple weeks ago when I spoke to a gentleman who called XXXX XXXX to try to sort it out. He also said that the XXXX card was back at Capital One and has been since XXXX. Yet EVERY time I called Capital One .... they did NOT mention that. They ONLY said that it was still unpaid. I attempted to settle this today. The 1st lady said the XXXX card was mine even though I had to repeat about 20 times that it was mine and that I KNEW it was mine. The Senior person I spoke with is part of the issue. She wanted to settle for XXXX AFTER not giving the proper information in early XXXX when I spoke to her. Her misinformation along with the others had me losing XXXX. It has ALSO impacted my credit report in a negative way for MONTHS. Capital One is who gave me the card info. They should have been EXACT as to what balance was for which card, so that I could take care of it correctly. They ALSO should have told me that the 2nd card was back with them in XXXX. They did NOT. I only found out after months of wasted time.
Product: Debt collection

Dates of service for XXXX of my children ranging from XXXX for a total of 9 accounts in collections for a total of {$2200.00}. 

I was told to call XXXX ( XXXX XXXX ) and get check numbers and dates of payment as I have assured them via many phone calls to XXXX that these 9 accounts have been paid by XXXX. 

XXXX XXXX XXXX XXXX XXXX and Med1Solutions absolutely refuse to take any of the information that I received over the phone with XXXX. They are still trying to collect the full original amounts billed even though XXXX has paid these claims. 

XXXX XXXX XXXX XXXX XXXX told Med1Solutions that it is my responsibility to obtain the remittance from XXXX and submit it to them to post the payments to the accounts. I tried explaining that XXXX submitted that information to them already providing them with the check numbers and dates. Both companies continue to try collecting the debt from me even though XXXX paid them. I don't believe that it is fair debt collecting to accept payment from XXXX then turn around and bill the patient the full original amount of the claim. They are a XXXX network provider. This just does not seem right.
Product: Debt collection

My reports continue to lie to a collection agency that collects a debt that does not belong to me regarding XXXX XXXX, to date I have not received the requested documentation on the validation of the debt and my requests to the credit agencies for investigation and correction have been ignored maintaining debt that affects my ability to acquire new credit
Product: Mortgage

I have secured funds to bring my mortgage current for the mortgage payments that I am behind. 

I am working with the XXXX XXXX XXXX as well. 

I am only behind since XX/XX/XXXX through XX/XX/XXXX. 

That is total of 32 months. The reinstatement letter does not reflect the actual months I owe. 

I can only afford to pay the months owed to get back on track. 

That amount is {$7500.00} I would like a corrected reinstatement and then I can forward to the Servicer.
Product: Credit reporting or other personal consumer reports

Please check the information concerning the Equifax data breach below in attachments.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of grave concern related to my recent investigation of my credit report. The findings of this investigation have not only caused me severe distress but have also revealed multiple unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with utmost accuracy. 

As stipulated by the Fair Credit Reporting Act, it is imperative that every detail on my credit report is reported with complete precision. This requirement is underlined in 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which clearly outline the necessity for accounts to be reported with absolute accuracy. Regrettably, the credit reporting agencies involved in this matter have stated that these accounts are, indeed, in violation of the aforementioned regulations by not being reported with 100 % accuracy. 

This situation has not only adversely affected my financial standing but has also had a significant impact on my emotional well-being. I am writing to request a thorough investigation into these inaccuracies and violations of federal law, as well as immediate corrective action to rectify my credit report. 

I appreciate your prompt attention to this matter and look forward to a swift resolution in accordance with the Fair Credit Reporting Act.
Product: Checking or savings account

I go thru a website to get my earnings deposited into my account but my bank is not cooperating with the company to supply the information needed in a timely manner. This company helps me with funds before I get my paycheck if funds are tight and is needed in a timely manner. My account also was charged fraudulently and a report was made and after almost  two  months I am still waiting for the money to be put back in my account.  <P/> I also had a prepaid account with another company and my wallet had got stolen and report was made but that company refused to credit back the funds taken in the theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair 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 XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX   credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX 's and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.
Product: Credit card or prepaid card

Unknown parties on XX/XX/2019 attempted to transfer {$10000.00} from a Never activated US bank personal credit card. This Credit card was somehow activated before the attempted transfer to XXXX XXXX XXXX. US Bank stopped the attempted {$10000.00} transfer. 
Then unknown parties on XX/XX/2019 executed a cash advance of {$6200.00} from the personal credit card to a US bank business account that US bank did not stop or call customer. 
On XX/XX/2019 Unknown parties ACH transferred {$6200.00} from the US bank business account to a XXXX  XXXX XXXX. US Bank notified US Bank personal credit card customer by mail XX/XX/2019. 
Currently, {$6200.00} plus interest is {$6900.00} balance in Debt collection. 

US Bank denies all responsibility.
Product: Debt collection

I asked this company multiple times to send the request information since XX/XX/XXXX. The company claim they sent it on XX/XX/XXXX. No information still. I'm requesting again the initial letter with the XXXX account information. The company havent sent me nothing your company havent provided documents. Since you havent provided no documents and upload them here. I dont want no further communication from your company. I have asked multiple times and no information was sent to this address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; DXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/2023 I have noticed XXXX XXXX XXXX XXXX  AMOUNT OWED XXXX $ Acct # XXXX fraudulent accounts on my credit report and consumers report The names and address and on my 3 Bureaus are incorrect On these grounds is reason to remove fraudulent accounts permanently now BELOW IS A LIST OF FRAUDULENT INQUIRIES REPORTING ON MY CREDIT PROFILE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fin fc XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF
NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I recent got a copy of my credit report and noticed that I have a few fraudulent accounts on my credit report.
Product: Student loan

I have federal student loans on an income driven repayment plan which required annual recertification of my income to calculate payments. This annual recertification, as per my studentaid.gov account states that the recertification date is XX/XX/XXXX. As per studentaid.gov, any recertifications prior to XX/XX/XXXX shall be delayed one year ( XXXX XXXX XXXX ). My new recertification date should be XX/XX/XXXX, however my loan servicer MOHELA is refusing to honor this studentaid.gov policy. They are demanding I certify my income by XX/XX/XXXX. I have been on calls with them for approximately 3 hours today trying to rectify this issue, but they refuse to honor the law in place by our government. They are raising my payments to an untenable amount if I do not abide by their arbitrary recertification deadline which contradicts published information from the US government.
Product: Credit reporting or other personal consumer reports

Equifax, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system XXXXXXXX XXXX XXXX XXXX XXXXXXXX in The XXXX XXXX XXXX XXXX. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Equifax credit report. Please delete ALL of the Following : XXXX XXXX XXXX {$3700.00} Note : This is a Charge Off That still Reports Late Monthly Payments, a Direct violation Pursuant FCRA & XXXX Compliant!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Westlake Financial Services regarding an old auto loan that I paid off back in XX/XX/XXXX. While reviewing my credit score, I noticed Westlake Financial Services noted the account was paid, charged off. I contacted them to correct this as well as the times they reported to the credit bureaus that my payments were not made and explained that those dates reported were payments made on time and I was allowed to make payment arrangements later in the loan 's life. I was told to file a dispute. 

I filed several disputes with XXXX ( both online and over the phone ) regarding both the charge off as well as disputing that the payments were late. I attached a payment history I received directly from Westlake Financial Services as well as a letter disputing the information reported. XXXX not only did not correct anything on my dispute, they also changed the charge off date from XX/XX/XXXX to XX/XX/XXXX. XXXX said the only thing I could do was keep filing disputes. 

I contacted Westlake Financial Services regarding the change. I was told that the reason the charge off date was changed was because I filed a dispute and that they wouldn't correct the information. 

I already have an open complaint against XXXX for failing to investigate this properly especially with them allowing Westlake Financial Services to change the charge off date by 5 years. I would like to file a complaint against Westlake Financial Services as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX I never authorized for the above credit card to be closed. They closed my card without my consent and it dropped my FICO score by XXXX points. Now it's shown to be open and still not reporting opened on the credit agency as well my score is still the same. 

Attached a CC Statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a picture of an account from XXXX  that is not a personal account and it shouldn't de reporting to my personal credit bureaus please dealt his account
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX acct # ending iXXXX XXXX XXXX XXXX XXXX  has violated my rights on behalf of XXXX XXXX XXXX : in the amount of {$1100.00} Under my Name and the variations of my nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C. 1681 section 602 A. Stated 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following item of information, Any other adverse iten of information, other than records of convictions of crimes which airdates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX FIaccountNumber XXXXhas violated my rights. 

Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX 15 U.S. 1681 section 602 A. States I have a right to privacy.

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

XXXX XXXX XXXX, doing business for XXXX XXXX XXXX, XXXX after a terrible not-at-fault car accident, the rest of all hospital bills were covered by the at-fault drivers insurance company, XXXX. They refused to take payment and remove this collection upon settlement. They would much rather have this listed as a collection on my credit report than have their money!!! This defies logic and I want this removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUNCOAST CREDIT UNION XXXX - reporting a past due balance to XXXX XXXX XXXX XXXX and XXXX XXXX This is against a violation under the FCRA.