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

I noticed strange activity while checking XXXX XXXX yesterday, Sunday, XX/XX/2021. I have never missed a payment for any of my cards or accounts, and suddenly my score dropped nearly 70 points from a missed payment on a Capital One card. I have not used my capital one accounts/ do not have my cards anymore from 4 years prior. I thought it may have been my ex-wife using my accounts, but she said she does not use them either. 

I also received strange text messages to my mobile phone from capital one bank stating " Hi XXXX '' then going on to tell me that I missed payments for a car on a Capital One account and what the account numbers ended in. My name is not XXXX and I have a new phone number than when I was with my wife, so I believe that someone may have used my social security number and used their name. 

I have been getting similar texts since XX/XX/2021, but did not think anything of it as I assumed they had the wrong number. The most recent text I got was from XX/XX/XXXX and XX/XX/XXXX ( today ). 

I discussed the issue with capital one. They closed the account and launched an investigation today, XX/XX/XXXX. I provided my contact information for follow up. They advised me to report this to the CFPB. 

I attached the text messages below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent equifax proof of identity ( ID & SS card ) theyre stating that those are valid documents, but are requesting that i send those same exact documents over again. 

The representative that I spoke with stated there were NO documents. He then placed me on hold when I told him the documents were sent to Equifax 90 days again and he in fact they have the documents but I have to mail them out again. He refused to transfer me to a supervisor stating they were too busy.
Product: Credit reporting or other personal consumer reports

Filed dispute with Equifax XX/XX/2024, XX/XX/2024 and XXXX XX/XX/2024. I sent in documentation of bank check, letter from agency ( XXXX ), and letter of acceptance of payoff from agency ( XXXX ). All came back stating that I still owe that amount. It has been removed from XXXX, and XXXX but not Equifax.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPD ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to dispute accounts that were not mine on XX/XX/XXXX 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX.
I received an updated report that they have been verified. I called on XX/XX/XXXX asking for verification and was informed that they had no verification only what CREDITOR SAID. So I have information being reported without verification.
Product: Credit reporting or other personal consumer reports

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 a copy 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 accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 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 or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? 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 DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX, Professional Placement Services, XXXX and XXXX numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of PPS Professional Placement Services statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with PPS and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave PPS full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.
Product: Debt collection

My grandmother reported to me on XX/XX/XXXX that AmSher attempted to tell her about a debt that resulted from cancelled services from XXXX. This collection agency does not authorize to contact my grandmother especially when they have my update phone number and address on file. In addition, they stated they got the number from somewhere and could explain where they got it from. Therefore, my information was solicited. They need to contact and forward all request to my new address and phone. I contacted on XX/XX/XXXXat XXXX with the updated information.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unnotarized accounts/information reporting to my credit report. I am writing to formally request the removal of unauthorized inquiries. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize. 

The following inquiries were conducted without my permission and do not have a permissible purpose as outlined by the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As these inquiries were unauthorized, I am requesting that they be promptly removed from my credit report. 

Supporting Documentation To further validate this request, i have enclosed a copy of my identity theft report and multiple forms of identification to verify my identity. 

Statement Regarding Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ), no entity may access my credit report without my explicit consent or for permissible purposes as outlined in the FCRA. Unauthorized inquiries are a violation of my rights under this law. Specifically, 15 U.S.C 1681b states that a consumer reporting agency may only furnish a consumer report under certain legally permissible circumstances, such as with the consumer 's consent. 

The listed inquiries were not authorized by me and, given that I have been a victim of identity theft, these inquiries further represent fraudulent activity. Enclosed are my identity theft report and multiple forms of identification, which support my claim and verify my identity. I demand that these inquiries be removed from my credit report immediately, no later than 14 days from receipt of this letter. Failure to comply will result in me escalating this matter to the appropriate regulatory agencies and seeking all available legal remedies. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a 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 or other personal consumer reports

I am extremely frustrated with the credit reporting agencies responses, claiming the investigation of these accounts returned as verified and updated. My credit report continues to contain multiple inaccuracies.

Under 15 U.S.C 1681i ( 7 ) Method of Verification, I am entitled to understand the verification process your agency conducted. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite these investigations, my credit report still reflects discrepancies. Rectify these errors promptly and provide the documentation I am entitled to under the law.
Product: Debt collection

IQ Data International charged my card after i specifically told them to move the account to further processing and credit reporting. Throughout the four separate calls I had with them to discuss alternative options, I was threatened with negative credit reporting including being told that I wouldn't be able to get another apartment unless I paid in full, as well as advised to seek legal counseling as there may be further action taken if not payed ( a veiled attempt at threatening prosecution ). 

When I called this morning to have the charge reversed, they began transferring me directly to voicemails and then eventually ignored my calls altogether. My representative is XXXX, XXXX XXXX XXXX at XXXX. I am unable to afford my entire rent payment after this and they are unwilling to take any responsibility after they advised that the card wouldnt be charged as well as I insisted that the card i provided ( after being assured that it was merely to 'lock down ' a 7 day prevention on the account from being sent to credit for review ) was removed in two separate discussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Westlake Portfolio Management keeps trying to reach out to me to try pay and have also tried to get me to settle when I never signed a contract with or to pay them. My contract was signed with American Car Center that filed for bankruptcy in XX/XX/XXXX which then made my contract null and void. I sent Westlake Portfolio a debt validation letter by certified mail and did not receive a response. Yet I did get a call on Thursday XX/XX/XXXX by someone that identified themselves a XXXX and was calling on behalf of XXXX and told me that I would be being served. They've also tried to mark the debt as charged off when I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was assumed by Mr. Cooper on or around XX/XX/XXXX. I called Mr. Cooper on several occasions to request setup of bi-weekly automatic drafts. Each time, I was advised that I would need to make " double payments '' in order to set up the draft. I made two double payments ( i.e. 4 mortgage payments ) between XX/XX/XXXX- XX/XX/XXXX. Mr. Cooper continually informed me that it failed to set up the automatic drafts, and none of the incompetent representatives could provide me with a reason why. They told me to just keep making double payments to get it set up. After two failed attempts to set up the automatic draft, I decided I did not want a company this incompetent with access to my bank account. As such, I set up bi-weekly automatic payments through my bank. Between XX/XX/XXXX and XX/XX/XXXX, Mr. Cooper reversed 3 mortgage payments without notice to me. Furthermore, Mr. Cooper failed to apply the automatic payments from my bank in a timely manner. On or around XX/XX/XXXX, Mr. Cooper reported me to XXXX and XXXX as 30-days late on payments in XX/XX/XXXX, thereby causing a drastic drop in my credit score. This information is blatantly false! Any untimely payment was the result of Mr. Cooper 's unauthorized reversal of my payments without notice to me, as well as Mr. Cooper 's failure to timely apply the payments from my bank to my mortgage account. I filed disputes with both credit reporting agencies. Mr. Cooper responded to the dispute by updating the account balance. The false, unsubstantiated and unverified late payment report remained. Both credit reporting agencies closed the disputes with the updated balance information. I then requested the information XXXX and XXXX used to verify Mr. Cooper 's false report of a late payment. Neither agency provided me with said information, and merely responded that the unsubstantiated report by Mr. Cooper was " verified ''. The false information remains on both credit reports. 

I only discovered the reversed payments after requesting itemization of all payments received from Mr. Cooper, and when those payments were applied. I have spent so much time and energy trying to get this matter corrected. There is a plethora of similar stories/complaints regarding Mr. Cooper 's fraudulent actions, which have ruined the good credit that I worked for so many years to obtain.
Product: Debt collection

Someone used my information for these account I didn't authorize no one to use my information, these is consider fraud. At the time I was diagnosed with XXXX so I wasn't able to open these account. I was in the XXXXXXXX XXXX XXXX XXXX XXXX, I couldn't XXXX XXXX XXXX XXXX and I can XXXX XXXX  because XXXX XXXX XXXX XXXX. can you please act on this matter as soon as possible please and thank you.
Product: Debt collection

I received a email from my job on XX/XX/XXXX stating that a debt collector " Newman, Hesse & Associates '' for XXXX XXXX has entered a court arrangement to garnish wages, the order was made in court on XX/XX/XXXX and wages were taken from that upcoming pay week. 

On XX/XX/XXXX contacted original creditor company ( XXXX XXXX XXXX ) at number " XXXX '' and the number was disconnected this company is no longer in operation. I then contacted Newman, Hesse, & Associates at XXXX, the automated system told me to enter an extension, which was not provided in the paperwork and no one answered the main number listed that I called on multiple occasions, Finally on XX/XX/XXXX or XXXX I called the HR department for my job " XXXX '' and let them know that this is a fraud and to stop the garnishment, XXXX reached out to company and I was transferred to a male " XXXX '' who told me that I was served court orders in XXXX, and I did not respond. I informed him to show me proof and to correspond my mail. I mailed an affidavit of truth along with a letter asking for the debtor to provide me with evidence of the debt. This was mailed out on XX/XX/XXXX via certified mail. I also sent a letter regarding statute of limitations along with debt validation letter via email to XXXX and XXXX XXXX
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2019, I transferred {$420.00} to my mom using Cash App ( an online financial transfer product of Square, Inc. ). After a few days, my mom had not received the transferred funds in her account. 
On or about XX/XX/2019, I tried to contact Cash App ( a service with few available customer support interface options except online ). With limited options ( and few responses ), I filed a dispute with my bank ( XXXX XXXX ). After filing the dispute, we ( my mom and I ) realized the issue ( with the transfer ) was somehow on my mom 's end. 
On or about XX/XX/2019, I cancelled the dispute with my bank. 
On or about XX/XX/2019, my mom was notified that as a result of my initial dispute ( which had been cancelled ), the funds ( {$420.00} ) were being withdrawn by Cash App from mom 's ( checking ) account and would be refunded to me ( the withdrawal from my mom 's account occurred on that date ). As of today 's date ( XX/XX/2019 ), I have not received the refund. 
I have contacted Cash App multiple times ( including sending emails to to Square, Inc. 's CEO and the executive in charge of the Cash App product ). 
According to the information provided by Square/Cash App, a refund was ( allegedly ) initiated by Cash App on XX/XX/2019 ( which doesn't actually match up with the timeline of events as I don't imagine Cash App would have initiated a refund to me prior to having received the returned funds ). 
However, my bank ( XXXX XXXX ) does not have a record of receiving the funds ( from Square/Cash App ) and is unable to locate any information corresponding to the ACH trace number provided. 
I have sent multiple emails, to no avail and I have been forced to file another dispute with my bank. I engage in numerous ( personal ) financial transactions on a monthly basis, including cross-border currency exchanges/conversions, transferring funds between different financial institutions, etc. ( as well as generally returning merchandise I have purchased using credit cards ). I don't recall having this many problems and/or spending this much time on what is a relatively insignificant amount of money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my XXXX XXXX credit card. Earlier this year i had some fraud occur on the account and it lead to a late payment to my credit report in XX/XX/XXXX of 2017. I contacted XXXX and they sent me a letter stating that a request was sent to the credit bureau to have the 30 day late payment removed. It has not been removed and I have disputed with credit bureau and they state XXXX is not removing from bureau.
I also have another recent issue with them where apparently my mail is being returned to them from the post office so i did not receive my last statement and the account went 31 days late. I tried calling in to speak to someone on XX/XX/XXXX and the fees were credited due to the proof of the mail being returned but i am afraid they are going to do to me the same thing they did earlier this year. Neither of these issues are my fault and need to be token care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from 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, MEDICAL Company Inquiries : XXXX/XXXX  XXXX XXXX/XXXX  XXXX/XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX