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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX  XXXX ( XXXX  XXXX XXXX & Early Warning Services , 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.

15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 

On XXXX XXXX by Certified Mail I disputed inaccurate and unverified information on my Early Warning Services consumer report from XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attached those correspondences below. Early Warning Services responded by placing a block on the XXXX  file due to Identity theft in which I included a police report. I then received a letter from XXXX attempting to collect on this alleged debt. Early Warning Services sent a response regarding my dispute with XXXX XXXX  stating it was verified as accurate but they do not have access to account documentation therefore they were unable to provide any copies of documentation with my signature or how this information was verified to be able to report it on my consumer file. I requested information about who they spoke with at Regions bank to verify the debt and they were unable to provide such information. 
According to the F.C.R.A Sections 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) it states that Early Warning signs has to provide copies of signed documentation and Early Warning stated that they don't even have access. According to Section 611 ( a ) ( 1 ) ( A ) Method of Verification wasn't provided except for the fact that it was accurate and complete as of the date it was furnished to their database. Early Warning didn't properly investigate this information so why are they reporting this information on my file. Lastly, Early Warning didn't respond to my dispute regarding XXXX XXXX Bank at all. This letter was included with the other two dispute letter sent by Certified Mail as Early Warning did say they received it.
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 use 1681. 

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 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 items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit card or prepaid card

On  XXXX   XXXX , I made a    XXXX   XXXX    payment of {$68.00}. {$58.00} of that was to be applied to my  Capital One  Credit Card. To date, the money has still not been applied to my credit card and I want it applied.     I then rented a car from  XXXX  on Thursday,  XXXX   XXXX ,   XXXX  . I was informed that a deposit would be needed of {$66.00} because it was a premium vehicle. I agreed and my pending charges were {$390.00} which included the {$66.00} plus the amount of the rental of {$330.00}.  XXXX  was paid the {$330.00}, however, there remains a pending balance on my  Capital One card of { $66.00}. When I spoke to  XXXX , they informed me that they had removed the pending transactions and had been paid {$330.00} and was not keeping the refund ; however,  Capital One  states that  XXXX  needs to release the money.     I just want my {$58.00} added to my Cap ital One  card because it was a payment made through  XXXX   XXXX  to be applied to my card and I just want my refund returned to me of {$66.00} by  XXXX  or Capita l One but I  want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea why you are still in doubt of my identity provided that I have submitted all my documents for you to review. Whatever your reasons for doing this, I am still hoping and looking forward that this time you will be able to do your job properly. Once more, I am sending this complaint about you correcting the issues I have with the items, which I have listed below. These items have so many errors and flaws that should result in an immediate update or removal of the items. This concern was forwarded to ( bureaus ) and the creditors but both have neither failed to respond to my request nor provide concrete documentation to justify their claims. The list of incorrect and unknown items are as follows : Incorrect Personal InforXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Late close : XXXX XXXX Balance : {$0.00} Charge off : XXXX XXXX XXXX XXXX XXXX : {$330.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX CIS XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  XXXX A Date of inquiry XX/XX/XXXX
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 item of information, other than records of convictions of crimes which antedates the report by more than seven 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

I have a loan with TESLA and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, TESLA and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Portfolio Recovery Associates XX/XX/2017 {$810.00} That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXX.However I never received any email or mail regarding such bill.
Product: Credit reporting

I am filing a complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they has gone pass the 30 day given and can not verify these accounts under section XXXX XXXX XXXX ) ( a ) of the FCRA- they are required to promptly delete all information that can not be verified, that I have disputed. Please resolve this manner as soon as possible. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I XXXX XXXX XXXX, 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 : ,This section provides that the 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 items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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. 

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called, sent and faxed over letters to TransUnion about having inquires on my credit report that I did not approve. I have not heard anything back I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the  accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. If they are unable to show me proof.By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. Here are the following inquires that should not be on my Transunion report. 


XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXInquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

The revenue group stating that I owe {$420000.00} to the Ohio Treasurer of State for business taxes. I have provided them my tax returns from XXXX and XXXX to show that my tax liability was {$49.00}. I can no longer provide proof of payment because it was XXXX  years ago and I no longer have those documents. From my tax return that I had prepared by an outside company shows that i only made {$600.00} and then I closed the business in XXXX. I've sent the business closure form in to the State of Ohio twice with no resolution. The revenue group is not taking the proof of tax returns as enough to close this case. The balance due is a made up number and I don't understand what else I would need to do to prove that I don't owe anything. I also don't understand how they can do this after XXXX  years. 

I believe due to the amount that has been fabricated is why I'm being harassed.
Product: Credit card or prepaid card

Completed application only to be placed in an extended holding pattern for approval in. I provided all documentation in a timely fashion i.e., within 24 hours of their request. I was told by the representative with whom i spoke to that I would receive a response within 24-48 hours of their completion of verifying my income as part of the supporting documentation requested. The underwriting department has had my documentation for over 96 business-hours accounting for holidays and has yet to fulfill their word in which they stated they would be reaching back out to me.
Product: Debt collection

XXXX- representing an affidavit from XXXX XXXX XXXX Said that I since I refuse to pay they will send to my XXXX for an arrest warrant.
Product: Student loan

Every day I am getting harassing calls at my job, which is making it difficult for me to work, as well as getting harassing calls on my house phone and cell phone for myself and my mother, the cosigner. The representatives says things such as I shouldn't have taken out the loans if I can't afford the payments, they are going so send an officer to my place of employment, as well as to my home to serve me notice, they are going to garnish my wages, and they are going to keep contacting me. On Monday, XX/XX/2019, I told the representative that I fell behind in payments due to me getting sick for a few months so i was out of work with no income, this was after the months of XX/XX/XXXX-XX/XX/XXXX when I am unemployed because school isn't in session. The representative offered me a XXXX paper for the time I was working, but my illness would not be labeled as a XXXX, I just had to get well and I told her that. She then told me to try to borrow the {$370.00} payment from someone so the loans wouldn't default. i explained to her that no one has that type of money to loan me and I can't pay them such a high payment and still live month to month. The last payment was made to them on XX/XX/2019 in the amount of {$340.00} by my mother was is on a fixed income due to retiring and we can't afford that high payment. We have experienced several losses like repossession and loss of housing due to income changes. It is stressful and they aren't trying to compromise, but threaten and call daily.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because EQUIFAX, XXXX and XXXX have ignored my request to provide me with the documents that their companies have on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit card or prepaid card

I have a credit card with US Bank that is due on the XX/XX/XXXX of each month and never missed a payment or made any payments over 30 days late. On Sunday ( XX/XX/2018 ) I was involved on a major auto accident that took a lot of my time during the week, and yesterday ( XX/XX/2018 ) I made my US Bank payment. Today I received a notification of a {$27.00} late fee and tried to contact a supervisor at US Bank to reverse that late fee, considering that I was not late when I made my payment yesterday. I was first transferred to XXXX, and then XXXX ( same voice, but stated to be two different supervisors ) and then to XXXX, who also said he is a supervisor. All three refused to work with me and reverse the late of on my online payment. I have a screenshot of my payment that proves my payment being made on time.
Product: Credit reporting or other personal consumer reports

Information is being reported inaccurate. On my credit report
Product: Credit card or prepaid card

Discover accidentally generated a XXXX $ recurring monthly charge to my account. By the time they caught up to it, XXXX $!? I kept phoning in and finally got it fixed. Recently somebody went behind me and RE OPENED the issue referring it to collections and destroying my credit score. My credit should be clear. I was hoping I could get some assistance or a referral to someone who can fix this problem once and for all. XXXX
Product: Checking or savings account

I have not had access to my pay check since Thursday XX/XX/year>. I am unable to pay my bills and access my funds. I got a confirmation from my work that the payment has already been sent to capital one but capital one bank has failed to let me get access to my funds. I am late to my bills hence now I will be required to pay late fees.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have acopy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being " reported correctly? Who verified these accounts? You have NOT provided me a copy ofANY original documentation ( a consumer contract with my signature on it ) as requiredunder Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful noncomplying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please correct the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

CAPITAL ONE BANK USA NA XXXX Late Dates XXXX, CAPITAL ONE BANK USA NA XXXX Late Dates XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX  XXXX Balance : $ XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Request for Investigation please. the inquiries that I did not authorized are in the letter already. please review
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date, XX/XX/2018. Since then, the account has repeatedly been updated as charged off every month. This is an update to my payment history. A charged off account should NOT include active payment history. This inaccurate falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding A deletion of the following account. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit report on XX/XX/year>. I've noticed TransUnion is reporting a Collection/Charge-off account with Fair Collection and Outsourcing. This XXXX account # XXXX is currently reporting open account status. I have sent certified letters directly to Fair Collection and Outsourcing ( See Attached Documents ). Requesting that they send me the original contract or documentations providing me with payment history. Along documentations that has my signed signature on it. 
My XXXX attempt was XX/XX/year> was when I sent a certified letter. To the creditor Fair Collection and later received a confirmation signature. That they did in fact received my letter requesting proof of original documentations. 
I mailed another certified letter off to TransUnion. It was also confirmed with a signature. That they too received my letter requesting original documentations. 

I have yet to receive any original documentations, know proof of patience history, not even any form of documentations producing my signature. 
This account is currently reporting opened. 

This account is reporting inaccurate, unverified incorrect information, incorrect payment status information. Which is a clear violation of USC 1681 e ( b ). They have also violated 15 USC 1681 s-2 ( a ) & ( b ), 15 USC 1681i ( A ) ( i ) & ( ii ). According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I ask that XXXX Collections and Outsourcing be removed from my TransUnion credit profile. After numerous attempts of requesting original contract documentations from the collection agency. That they have fail to provide or priduce any documentations.