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

XXXX, EXPERIAN AND XXXX HAS INACCURATE INFORMATION ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of id theft!! Please delete these items IMMEDIATELY! 


These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I used cash app. Then I received an email asking me to deposit money into my account because I was in the negative. I asked them about it and they said that I need to make a deposit. Even though I said that wasnt my transanction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

I was stunned when I reviewed my XXXX, XXXX and XXXX  credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I thought that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I received my consumer report and found items that are reporting negative. My information has been involved in a data breach and someone has been using my personal info for their gain. 
Please delete this account immediately, because it is affecting my mode of living and is hindering me from obtaining housing. It is causing me mental and health issues. Please investigate and delete the account below from ALL consumer reports for good. See attachments for police report as evidence of my claim. 


1. ) LVNV FUNDING LLC 2. ) XXXX XXXX 3 . ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2021 XXXX XXXX XXXX Account # XXXX ) add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/ sold and i am no longer responsible for the account. Debtors ' creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX Account # XXXX ) has violated my rights as a consumer and i am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

recently i looked at a copy of my credit report and noticed several inaccuracies on my account. These accounts are hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here are the items i am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Escrow payments were not applied for a full year of XXXX  creating a continuous delinquent amount of more than XXXX.
Product: Credit reporting or other personal consumer reports

In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C. 1681 section 604A section 2 : It also states, a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I received a call from a Comenity Bank representative stating my XXXX account payment was late and that I needed to pay them {$81.00}. I did not know what they were talking about because I had not used the card for a year. After they researched it they told me that I purchased a reward subscription from XXXX and that the charge was a little over {$21.00}. I had no idea what they were talking about. I was transferred to XXXX and they immediately reversed the charges because I did not agree to a subscription with them. The representative told me that the same charge was placed on my account in XX/XX/XXXX and that it was removed and should not have happened again however, in XX/XX/XXXX XXXX charged my account again. I telephoned Comenity Bank and told them of the reversal which they were able to immediately view. However, Comenity Bank refused to return the late charges from XXXX to now and they also reported me to all three credit bureaus. I have tried disputing it with them and the credit bureaus, but they are refusing to fix the issue and return XXXX points taken from my credit report. Please help me with this matter because it is not fair that I am being punished for a purchase that I did not make. Sadly Comenity Bank is aware that XXXX applies these reward subscription charges to unknowing, unsuspecting consumers and does nothing to quail this behavior. I know this because the representative who transferred me to XXXX told me so. It was not the first time that she has seen this and the fraud investigator stated the same thing.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX XXXX XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

XXXX  XXXX : Account number : XXXX, Unverifiable. Fix, update or delete the information for date open. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume no proof of alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, in XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX case # XXXX was dismissed voluntary without prejudice ; yet, they took the initiative to use my identity and fraudulent sell this debt to XXXX ( XXXX XXXX XXXX ) whom on XXXX XXXX opened this account up and reported this derogatory account to all credit report agencies. They have violated my rights numbers of times ; under 15 USC 1681 by misleading false reporting and using my identity ; 15 USC 1681 ( b ) which I never gave them written consent ; this is harassment and abuse under 15 USC 1692d ; and according to FDCPA Section 807 this violation is misleading and false reporting inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am requesting and I would like to submit my CFPB Complaint regarding these fraudulent items on my report that are still inaccurate. I had submitted already my complaint on my previous letter but still there was no further actions. A timeline for when I can expect the fraudulent items to be fully removed. I trust that you will treat this matter with the urgency and seriousness it deserves. Failure to address this issue satisfactorily may compel me to seek further action through consumer protection agencies or legal channels. I want some investigations regarding to this matter. I need the following items be remove on my credit file immediately : 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
Product: Credit card or prepaid card

I contacted Capitol one to let them know I was going to have a difficult time keeping my 3 credit cards current with them. They assured me it would not be a problem and that due to Covid, they would not put any " late '' penalties on my account. They also indicated that this would not alter my credit. Well fast forward from XXXX to now and I am completely caught up with all of the credit cards and have a significant of credit available. However, my score has not improved. Come to find out they were dinging my credit score with 30x, 60x, 90x and even one 120 day late. I called them and they basically told me to pound sand. Given the pandemic, do I have recourse to get them to erase those lates? I am not looking for any break in fees or the amount due.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. XXXX, XXXX and TransUnion. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.
Product: Payday loan, title loan, personal loan, or advance loan

This company doesnt do any form of hardship. Ive reached out and asked for someone to look into any type of assistance program that could help my situation. I havent been contacted yet. Ive been sent to collections for missing 2 payments even though I spoke with customer service and they informed me they pushed the day back for me. The fees are ridiculous I am paying about XXXX every 2 weeks but only XXXX is going to the principal and the best is a statement fee? That is evil 98 % APR is illegal. I have paid almost XXXX $ and my balance hasnt budged. This will never be paid off. Idk what to do.
Product: Credit reporting or other personal consumer reports

I have no association with the listed inquiries and did not authorize any credit application or request that would warrant a hard inquiry on my credit report. This inquiry is not reflective of my financial activities, and its presence is damaging to my credit score and financial reputation.
Product: Mortgage

I did not receive a 1099 tax form. The company has closed my account so I am unable to login and download it. When I call the phone line the automated system tells me to call the new mortgage servicing company because they have transferred my loan to someone else
Product: Checking or savings account

Claim ID : XXXX Supporting Documentation I had a fraud transaction on my chime debit card and had disputed it. It was denied fairly quick, and I requested documentation of how they came up with that decision. I have reached out numerous of times. Eventually they provided me with a date when the latest I would receive the documentation which was XX/XX/2023. And yet I still have not received the requested documentation for this claim.
Product: Mortgage

Lenders changed hands from XXXX to New REz in XX/XX/XXXX & XX/XX/XXXX, which in XXXX of XXXX I requested from XXXX to go into a 3 mos. forbearance, which they granted. But once new information from New Rez arrived there were no such offers extended. So made XXXX payment, which was suppose to cover XXXX & XXXX. But they applied it directly to XXXX. So when I called in XXXX to make another payment & discuss the issue with my statement -- New Rez switched me around & said they found the forbearance & took my payment, which was suppose to cover XXXX. But XXXX statement came with no such honoring of the deferred payments. Then the pandemic in PA in the 2nd week of XXXX. And now the New Rez is filing for Foreclosure, which still has funds in escrow that have not been applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX, my identity was stolen. Someone tried to get a car in my name, resulting in multiple inquiries being made and affecting my credit score. I contacted the credit bureaus and they put a security hold on my credit report. I also tried to contact the companies that made the hard inquiries on my credit report, but they acted like they couldn't help a victim. My last resort is filing a complaint with every company that pulled my credit information. Please delete the inquiry. I did not AUTHORIZE it/them, and would like them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX  XXXX {$140.00} XXXX  XXXX {$660.00}
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft. Please see the attached documents.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

According to the IRS, an unpaid charge off is income, and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099 C ( Cancellation of Debt ) from the following charged off account listed below. Affirm IncXXXX XXXXXXXX XXXX XXXX. Please send me a 1099 C as requested.
Product: Credit card or prepaid card

On XX/XX/23, I received a debit card in the mail. It was in the name of someone I do not know. It was from a company called Netspend. The accompanying literature claims it is a prepaid Mastercard, but the Mastercard logo is just the red and orange dots -- no other markings. I called the XXXX number in the literature ; the representatives said, it was " just a promotional card, probably mailed to you by mistake, just cut it up. '' It looks like a real card -- not the typical cardboard mockup. 

I am concerned that they used my address, since XXXX XXXX notified me of a data breach yesterday.
Product: Credit reporting or other personal consumer reports

I have paid off the installment loan for XXXX XXXX XXXX XXXX I have attached documentation from the company for you to verify. Can we please update the account to reflect paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX -XXXX XXXX  2017 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.
Product: Credit reporting or other personal consumer reports

Checking my credit report, I noticed that the account XXXX XXXX XXXXXXXX is only being reported by Equifax, which is a clear violation of my rights under the FCRA. I have disputed this error directly with Equifax ; however, they have not provided any reasoning or information regarding the case. Therefore, I am filing a complaint to resolve this issue that is negatively affecting my credit.
Product: Student loan

These student loans were disputed and removed from my credit report years ago. They were placed on my credit report without any type of notice. All my credit cards have been closed because my credit is score dropped because of a student loan being charged off. I need to see the contract bearing signatures of the alleged debt. 
Fair credit act state that inaccurate information on a consumers report must be removed. Please delete ASAP. 
The student loans by XXXX XXXX were removed because of federal issues and they were charging more money to students and collecting money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I subscribed to Experian 's premium membership so that I can monitor my credit. They drafted funds from my account despite reflecting inaccurate scores/report every month. I called to say that my scores are from XX/XX/XXXX and the woman lied saying give it some time to refresh and then it will update. This was after I paid to upgrade my membership. Please refer to case # XXXX. I even brought this same issue up during a chat and the representative was very unhelpful. Taking money for services not rendered is fraudulent and thievery.
Product: Credit card

I contest the validity of the account in question held by Capital One. I demand that Capital One verify under oath the validity of this claim, ensuring it is free from any claims or defenses, including but not limited to breach of agreement, failure of consideration, or material alterations, and confirming that the original lender provided value. Moreover, I assert that the alleged account was transferred in good faith and with the consent of all parties involved. If Capital One is unable to provide sworn verification for the aforementioned criteria, I insist that the account be expunged from both my credit report and their records. Capital One XXXX
Product: Credit card

I was late on my payment, and Prosper began calling several times a day for a few days until I paid the account. I've had issues with this before and the amount of phone calls received was similar where I was receiving multiple calls a day, for several days even when I had answered and explained I was in a hardship and was going to make the payment soon. I also asked them to stop calling so much. In the span of less than a week this time ( specifically 4 days ) I received XXXX phone calls, mostly XXXX phone calls and day within a few hours of eachother, no voicemeails were left at any point. Just continued calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a current copy of my credit report and I show listed inaccurate or unverified accounts that are continuing to cause issues. I sent a dispute to the the creditor and also to the credit bureaus and have not received and results to investigation and it is beyond FCRA timeframe to complete dispute. The company listed is MONTEREY COL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) and account number is XXXX. I also understand that per this account that it is a direct violation for FDCPA and account is showing an open balance of {$4700.00} which per law balance must reflect as {$0.00}. This is a continued issues and I am currently attempt to purchase a home and not able to do so because of this alleged account.