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

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

I was charged more than 30.00 Us dollars from the " Banco Popular de Puerto Rico '' for a transaction that was not supposed to be posted on XX/XX/19. 

I had called the " Banco Popular de Puerto Rico '' to solve the matter, they did not want to listen nor help me.
Product: Debt collection

I hope this letter finds you well. I am writing to formally report and dispute two collections on my credit report, as they are the result of fraudulent activities. I have identified significant inaccuracies in the information associated with these collections, and I am seeking your assistance in their immediate removal. 

Details of the fraudulent collections are as follows : XXXX XXXX XXXX ( {$530.00} ) - Opened on XX/XX/XXXX : The listed birth year is incorrect ( XXXX instead of XXXX  ). 
The reported addresses ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, and XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX are unfamiliar to me, as I have never been to California. 
XXXX XXXX XXXX ( {$220.00} ) - Opened on XX/XX/XXXX : The birth year is inaccurately stated as well ( XXXX  instead of XXXX ). 
The reported addresses and phone numbers ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, XXXX XXXX XXXX XXXX, XXXX, California XXXX XXXX phone numbers XXXX, XXXX ) are not associated with me. 
To assist in the prompt resolution of this matter, I kindly request : Thorough investigation and verification of the provided information. 
Immediate removal of the fraudulent collections from my credit report. 
Communication of the resolution and corrections made to the credit reporting agencies. 
I have attached supporting documents, including my correct personal information, to facilitate the verification process. Your prompt attention to this matter is greatly appreciated. If you require any further information, please do not hesitate to contact me at XXXX or XXXX. 



Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$2300.00} CIXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of 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

In accordance with the Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the rights to privacy. 15 USC 1681 Section 604a Section 2 It also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open customer credit plan as late for any purpose.
Product: Credit card or prepaid card

After several disputes with BBVA Compass, the company keeps this account like a charge off when this is being a bank error, possible by accident. 
After a time out of USA when I came back, I found this late payment, which never was reported to me or I never got the information. I paid the amount, {$17.00}, and called the bank to complain about this issue. After several calls, disputes, letter, lawyers, I finally got the statements of the card thanks to CFPB, as until I didn't open a dispute through here, the bank never sent the requested information, even I advise my contact and addresses several times. 
In the statement is possible see the late payment, as it is possible to see the account was in autopay. The account for the autopay was an account in the same bank which always had enough money to pay possible small payments coming over in case I didn't realise. 
It looks like the bank couldnt get the amount to the account, an account from the same bank for some reason I have never knew. 
The bill that cause the missed payment, from XXXX, for some reason they charged this payment into this card instead the card was set from the country I was living at that moment. The rest of the payment days before and after, were correctly done to the correct card. Still waiting for explanations. 
It is clear there wasn't never intention of not to pay as I was cautious leaving money and the account opened, just in case, and there was an error or problem into the bank about this. 
I have attached the statements for the credit card and the statement from the bank account.
Product: Credit reporting or other personal consumer reports

My personal data was breached on Experian Equifax and Transunion and I am requesting all negative information and inquiries be removed immediately.
Product: Debt collection

After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request proof of the previous investigation conducted by the consumer reporting agencies regarding the inaccurate late payments listed on my credit report. Despite multiple disputes and requests for corrections, the erroneous late payment entries persist. 

In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request the following from the consumer reporting agencies : A detailed description of the method and process used to investigate my dispute regarding the late payments. 
All records of communications, including the names, business addresses, and phone numbers of any individuals or companies they contacted in relation to the investigation. 
Documentation proving that the account was, in fact, late, such as statements, invoices, or other pertinent records. 
If you can not provide me with the requested documentation and proof of investigation within 15 days from the date of this letter, I demand that the account be updated to " PAID/NEVER Late '' and that an updated copy of my credit report reflecting these changes be sent to me immediately.
Product: Checking or savings account

On XX/XX/XXXX, a stop payment was placed on an ACH item, {$780.00} to XXXX XXXX, Due to an issue on end of XXXX, the payment was entered incorrectly, thus, stop payment had to be placed on end of TD Bank, XXXX  was unable to stop it on their end. The amount, {$780.00}, is double my current balance of {$390.00}, the payment date is also incorrect, date was supposed to be scheduled for due date on XXXX, errors on end of XXXX. On XX/XX/XXXX, a second call was made regarding stop payment, requested the stop payment either adjusted or second one placed, rep whom I spoke with, which I was on hold for over 32 minutes with, advised a second stop payment needed to be placed as a stop all amounts from payee or similar thereof. which she got a manager to waive fee ... This stop was needed to ensure the payee did not attempt other amounts, due to their system error.. The rep I spoke with today, XX/XX/XXXX, advised there is no such stop payment, only showed original stop payment placed on XX/XX/XXXX, claimed she showed a note from XX/XX/XXXX about fee waiver but no actual stop payment. Due to poor service received on end of TD Bank rep ( s ), I request item returned and any fees waived in association with item posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report and I noticed some inquires on my report that Im not aware of. I never called in about anything neither gave someone my consent so as you know anything reporting inaccurate on my report should be removed as the FCRA states ... please take my situation seriously Im trying my best to become better financially I have to take care of my family. 

Inquires : XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

All three credit reporting agencies dropped my credit rating by XXXX points because of credit cards issued for 0 % loans on one off purchases. In the case of XXXX XXXX, it was a Heating and Air Conditioning for a home, and for XXXX XXXX, it was a XXXX XXXX XXXX. The credit reporting agencies treated these transactions as maxed out credit cards and proceeded to penalize me by substantially reducing my XXXX scores. Why weren't these long term 0 % loans reported as installment loans. The system of credit reporting relies on a XXXX company, as gospel in the industry. I believe that the XXXX XXXX model is flawed because it does not take into account situations as stated above.
Product: Credit reporting or other personal consumer reports

I have already sent a letter to the Experian bureau requesting the removal of the inquiries and inaccurate addresses reporting on my credit file but the inquiries and inaccurate addresses listed below are still reporting on my credit report and are violating Federal Law. XXXX XXXX failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and continues to report unconfirmed information. They should remove these inquiries and inaccurate addresses completely from 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 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

in XX/XX/XXXX, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down 200 points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.
Product: Debt collection

The credit card company admitted in writing that " the attempted authorization ( s ) have been determined not to be yours and have been declined. '' Then the account was closed. This is the same action taken by 2 other credit card issuers after extensive investigations by those issuers and by the U.S. Postal Service and the local sheriff department.Next the credit card company opened a new account in my name without my knowledge and accepted fraudulent charges. The fraudulent charges took place in XX/XX/XXXX and XX/XX/XXXX for approximately {$8800.00} and despite my attempt to discuss this matter with the credit card company, they continue to demand payment.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for the money that zelle wrongfully sent and said they could not return my money. After I contacted them and my bank they said that it would be on zelle authority yet I contacted and they said it is out if their hands to be able to do anything about it. Zelle failed to investigate my claims adequately and it is very concerning knowing that many people have had these issues including with the CFPB lawsuit.
Product: Credit reporting or other personal consumer reports

Account was paid in full on XX/XX/year> see attached bank statement as proof and date of payment. I paid and closed the account on XX/XX/year> myself. 
A clerical error was made on XXXXXXXX XXXX part when someone clicked the button " XXXX XXXX '' after I had already paid the bill. 
It was a clerical error from someone because they sent proof the " XXXX XXXX '' was posted after I paid the bill on the exact same date as I paid it XX/XX/year>. You can't hit " XXXX XXXX '' after it's been paid... Right?? And if it was " XXXX XXXX '' Where's my 1099c?? I never got one? Why, because I paid the bill and it wasn't charged off ... it's a clerical error and so is the amount posted of {$430.00} because the information posted is false and in accurate per the proof I've attached I'm requesting the deletion of the Entire XXXX XXXX posting on my credit report regarding these false and in accurate statements I am requesting a formal investigation as I've been trying to get the problem resolved for almost a year now. And no one is willing to address the obvious clerical errors and correct them. I've spoken to XXXX, XXXX and a very nice supervisor named XXXX at XXXX XXXX who totally understood what I was saying and that it was most likely a clerical error but no one will take initiative to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD WRITTEN DISPUTE to Equifax to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : 30 Days Past Due on XXXX XXXX, 60 Days Past Due on XX/XX/2021 and 90 Days Past Due on XX/XX/2021. I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. Due to the COVID-19 pandemic, on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX an accommodation to my original loan contract with respect to lower 6 payments XXXX XXXX  through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through today. In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Product: Credit reporting or other personal consumer reports

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/year> I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN is currently reporting negative information as a violation to federal laws. ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT. 15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT. AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT. THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE. HOW WAS THE INVESTIGATION CONDUCTED? PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION. I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Equifax credit report : 1.  XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get company to pull my son and my daughter off of my policy as neither of them live with me any longer. They refused to change my policy to reflect the new changes and advised them that I was going to cancel my policy with them and look for more affordable options for car insurance. I did cancel my policy and went to XXXX at that time and then approximately a month later they placed a debt collection on my credit report. I have disputed this on my credit report and I have not heard anything back. Any help getting this removed from my credit would be greatly appreciated. I have 100 % payment history other then this ding on my credit. Thanks for your time and attention. BTW I am currently back with XXXX XXXX because they were able to offer me a super low rate now with a new policy. If they had just donr this prior I would have never left and gone to XXXX. 

Best Regards, XXXX XXXX
Product: Debt collection

National Credit Systems is the collection company that I have been forced to deal with. The supervisor was disrespectful when trying to take care of my collection. She said that they can't lower my payment and then told me that I have to pay the maximum amount then hung up on me. As I'm trying to resolve my account.
Product: Debt collection

WAKEFIELD & ASSOCIATES, INC DEBT COLLECTOR ( XXXX ) RELEASED MY ACCOUNT INFORMATION TO A NOTHER PERSON WITHOUT MY PERMISSION, XXXX SPOKE TO THIS PERSON ABOUT MY ACCOUNT, THE STATUS, AND MY CURRENT LIVING LOCATION THAT WAS SUPPOSED TO BE KEPT PRIVATE FOR THE SAFETY OF ME AND MY DAUGHTER FROM THIS SPECIFIC PERSON THAT HAS THREAT MY AND MY DAUGHTERS LIFE.
Product: Debt collection

On date of XX/XX/2020 I received a credit alert notifying me of a collection of na account and amount of XXXX from company name Prince Parker and associates out of XXXXwith phone number XXXX called to find out what this was for and they said they are collection agentcy.I gave my name and she said she does not have anything under my name.I told the company I am victim of identity theft.They did not want to help me resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I recently began a refinance, XX/XX/2020, on a home. Within one week of our credit reports being pulled, my husband began receiving emails and on more than one day received up to 35 phone calls from solicitors for mortgage, debt consolidation etc. 
It is a well-known fact there is a loop-hole with the big three credit reporting agencies, XXXX, XXXX  and Transunion barring them from penalty for selling consumers information. This is a huge ethical violation as well as privacy violation to us as consumers. My husband 's business phone number has been compromised and is now being abused due to the three credit reporting agencies, listed above, selling our private information. This is unacceptable and it needs to be rectified. How do we close this loop-hole? 

We have both signed up for the OPT OUT as well as requested a permanent opt out. 

How do we proceed and how can you help? 

Thank you. 
A very frustrated consumer
Product: Checking or savings account

Someone stole my mail and got a check that was made out to me. They were able to cash or deposit it at a XXXX XXXX location using a fake signature and writing pay to the order of a person I do not know. XXXX XXXX and CFPB say I need to contact the Issuing bank. The check was issued by Bank of America. I would like to get the money back because this was a fraudulent transaction.