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

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. XXXX XXXX amount is incorrect XXXX las active in also incorrectly. XXXX date of payment. I have not made any payments and they haven't provided me with no XXXX XXXX  and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for them to investigate account from XXXX XXXX XXXX, they continue to report inaccurate information. 
I have asked them to send me the information they received that was used to verify the account they refuse. i requested for any documents that bears my signature, they refused, i have asked for them to re - investigate. they notified me that the will not re-investigate. So they are still reporting inaccurate info. on my report in 1681i which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
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 Bureau 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 : 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. 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 as proof from the US Federal Trade Commission that all 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

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 60 days!!! When I call to check on each respected document with each bureau, I am given the " run-around ''. I am being told that they have not received said documents and that I should just mail them again. I have since mailed these documents a grand total of 6 times ; I am still given the same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX : XXXX, 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 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

In accordance with the Fair Credit Reporting act Creditors Bureau Associates, 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, hard inquiries that I did not authorize. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These Hard Inquiries need to be removed for violating my rights.
Product: Credit reporting or other personal consumer reports

I Have Been XXXX  in a XXXX XXXX  for 9 years and have had a family member commit fraud and stole my identity I have filed charges on her and I have proof stating I was not out to file any bankruptcys thats reporting on my credit please help me fix this problem and remove this information from my credit that was fraud and not me. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

account is showing as collection/chargeoff, but it was discharge on my bankruptcy in XX/XX/2020, last update send it from the company was XX/XX/2020
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  GA XXXX ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7700.00} ; XXXX XXXXXXXX Balance : {$9400.00XXXX XXXX XXXX  XXXX XXXX Balance : {$3100.00XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX & XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

During the XX/XX/XXXX appliance sales promotion. I purchased three items for delivery on XX/XX/17. The morning of the delivery, I was told only one item was available and the rest would be available until XXXX or XXXX, but I still had to make payments to keep the special financing made during the promotion. 
This promotion for XX/XX/XXXX sales was deceptive, and predatory to get people to get their credit card for items the company knew had prolonged delivery dates. This credit predatory sale was to increase debt use by consumers when no product was truly made available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER HAD XXXX AT MY ADDRESS AND THIS ACCOUNT WAS STARTED BY SOMEONE OTHER THAN MYSELF USING INFORMATION THEY PROBABLY OBTAINED FROM THE DOCUMENTATION AND IDENTITY AND CREDENTIALS THAT WERE IN MY VEHICLE THAT WAS AUCTIONED OFF. 

THIS WAS REPORTED TO AND UNDER INVESTIGATION BY THE UNITED STATES POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISIONS, MANAGER XXXX XXXX OF THE US POSTAL INSPECTION SERVICE AND POLICE. 

THIS ACCOUNT WAS REPORTED OPENED ON XX/XX/, 2018 ON TRANSUNION CREDIT REPORT # XXXX, WHICH IS VERY UNLIKELY TO BE ME WHO OPENED THE ACCOUNT AS I WAS NOT EVEN IN THE UNITED STATES DURING THAT TIME. 

AS SUCH, PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT AS IT IS HURTING MY ABILITY TO APPLY FOR CREDIT PRODUCTS AND EMPLOYMENT WITH THIS COLLECTION ITEM SHOWING ON MY CREDIT REPORT. 

A COMPLAINT ABOUT INACCURATE REPORTING HAS BEEN FILED WITH THE CONSUMER FINANCIAL PROTECTION BUREAU REGARDING TRANSUNION AND XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

These inquiries were not started by me and it has no permission to create by me.I have no ties to the creditors mentioned. I urge you to promptly remove them from my credit report.
Product: Credit reporting or other personal consumer reports

Dear sir, I would like to file the complaint and dispute my credit report, which issued by your company, Experian, and sent to my email address, XXXX, on XX/XX/XXXX of 2023. My report number is XXXX. There are three parts which need to be disputed. 

1. Personal Information : Name ( s ) Associated with My Credit. 
XXXX XXXX XXXX ( XXXX ) There are two names listed. I want to dispute one of them, XXXX XXXX XXXX. My legal name in XXXX and the United States is XXXX XXXX. I do not have any middle name in legal status. My husband family name is XXXX. Since I have decided to keep my XXXX family name as a legal family name, I do not use it for any legal issues ; even though I might have used it for some shopping reward cards. If possible, somebody might have tried to add my mothers maiden name XXXX as my maiden/middle name ; however, I do not use it since it does not relate with me at all legally. 

XXXX. Address ( es ) associated with my card. 
XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX Multifamily XXXX XXXX have never lived XXXX XXXX XXXX XXXX Since I have lived XXXX XXXX XXXX XXXX XXXX XXXX, I know this questioned address should be situated in the same apartment complex, XXXX XXXX in XXXX XXXX. However, this apartment complex has XXXX apartments for each number ; therefore, only XXXX without A, B, C, and D is suspicious. And I am not sure why our apartment compartment is called multifamily, even though each apartment can have XXXX, XXXX, or XXXX depending on the numbers of bedroom ( s ).

3. Other personal information associated with my card. 
XXXX My spouse has legal name XXXX XXXX. Since our family names are different, it might be better to mention his family name.

4. My Personal Statement on the report.

ID SECURITY ALERT/ACTIVE DUTY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I AM CURRENTLY ON ACTIVE MILITARY DUTY, DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT. THIS ALERT WILL BE MAINTAINED ON FILE FOR 1 YEAR BEGINNING XXXX. 
As I am not on active military duty, I can not understand the content of this personal statement. I have received the notification of FTC Identity Theft report ( XXXX ). Also, I can not understand what without my consent to fraudulently obtain goods or services. At all, since I do not know clearly what were obtained through the fraudulent and illegal activities regarding my identity. 


Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed a certified letter to the company Exeter Fin to remove 3 unauthorized inquiries on my credit report. 

XX/XX/XXXX I then filed a CFPB complaint XXXX. On the company to further address the issues with a proper response. 

On XX/XX/XXXX Exeter Fin responseded stating in every sense of the word that they was giving approval from additional companies to submit a inquiry on my report ... .. however the response from Exeter Fin is unacceptable because this company has yet to provide that approval or application of consent that was giving to these so called companies they referenced.

I demand that Exeter Fin to make it very simple and locate any type or form of consent giving by me to them or any company seeking financial assistance. 

If you can not provide this simple document then you must delete this inquiry. 

Please feel free to upload any documentation to prove the accuracy of this inquiry on the CFPB website for us all to see.
Product: Vehicle loan or lease

Auto loan opened in XX/XX/XXXX. 
Car repossessed in XX/XX/XXXX. 
Letter sent in XXXX or XX/XX/XXXX stating that the car was sold at auction and balance was reduced by {$6000.00}. 
Loan appeared on credit report twice, with two different loan amounts and dates. The one with the lower balance was eventually deleted. 
I've been trying to get in touch with the company to work out a payment plan, but nobody answers the phone and they will not return my messages. I want to see that the amount is correct for this loan. It's still showing as an open account and new missed payments are still appearing on the account. They're still charging me interest on this loan. I filed a dispute to try to gain information on this loan, it was denied. I filed another dispute with XXXX this morning, again to gather more information on this loan. The total amount I'm being held accountable for now is roughly {$13000.00}.
Product: Credit card

Here is a copy of the complaint mailed to Capital One. 

On XXXX/XXXX/16 I disputed my charge with XXXX XXXX XXXX. I received two secure messages regarding the dispute, almost immediately. Printed copies are enclosed. 
On XXXX/XXXX/16, I received another secure message advising, verbatim - Unless the merchant resubmits the charge within 45 days of the date of this letter, we consider your case closed. If this occurs, we 'll notify you and may re-bill your account for the amount of the credit. Please keep all documentation related to this dispute for 90 days. Again, a printed copy is enclosed. 
On XXXX/XXXX/16, we received another message, stating that the merchant resubmitted the charge, with proof. Here is where the problems arise. 
XXXX/XXXX/16 through XXXX/XXXX/16 is 73 days. 52 Business days. This was WELL beyond the 45 days, so I initiated an online chat on XXXX/XXXX/16 to find out why. I chatted with XXXX. I asked outright - what date did the merchant rebill the charge. He said I was rebilled on XXXX/XXXX/16. I reiterated, asking if XXXX/XXXX/16 was the actual date. He said yes. I explained the issue. With that, the chat ended fairly quickly - printed copy enclosed. 
On XXXX/XXXX/16 I received mailed letter of documentation from Capital one. All correspondence is dated XXXX postage stamp is dated XXXX/XXXX/16. Unfortunately, the rebuttal from XXXX XXXX XXXX is all dated XXXX/XXXX/16. 
I was advised, as written above, if this occurs, we 'll notify you and may re-bill your account for the amount of the credit. 
Is your turn around time normally 63 days, 45 working days from the merchant 's response? Is that how it works? If so, why do you claim 45 days from date of this letter?
Product: Debt collection

Request for Removal of Collection Accounts I am writing to formally request the removal of a collection account listed on my credit report. I believe that this collection is either inaccurate, unverifiable, or may otherwise be in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692 ]. 

Grounds for Request : 1. Verification of Debt : Under the FDCPA [ 15 U.S.C. 1692g ], I have the right to request verification of the debt. I am requesting proof that this account is valid, including a detailed breakdown of the debt amount, original creditor information, and any records of the accounts transfer to your agency. If you can not provide such verification, the debt must be removed from my credit report. 
2. Inaccuracy or Incomplete Reporting : According to the FCRA [ 15 U.S.C. 1681i ], credit reporting agencies and data furnishers have a duty to report only complete and accurate information. If this account is inaccurate or contains errors ( such as incorrect balance, payment status, or date of delinquency ), I request that it be corrected or removed. 
3. Obsolete Information : Under the FCRA [ 15 U.S.C. 1681c ], collection accounts are only permitted to appear on credit reports for a limited period of seven years from the date of delinquency. If this account is past the allowable reporting period, I request its removal immediately. 

Please consider this letter as my formal request for investigation and correction under the FCRA. I expect the results of your investigation, along with an updated credit report, within 30 days. If you are unable to validate this account, I request that you remove this collection from my credit file and confirm the removal in writing. 

Thank you for your prompt attention to this matter. Please feel free to reach me via the contact information provided above.
Product: Credit card

About a couple of weeks ago I received a phone call from a collection company from XXXX. The lady was very nasty requiring a payment to settle a collection account. I ended the call, but I was curious about why someone called me to settle an account. I went to XXXX to investigate where the call came from and it is from XXXX XXXX XXXX from XXXX, NM. My concern is that she is part of stealing my identity. Then immediately I went to XXXX to verify my credit information. Sure enough, I found to credit cards that someone else opened using my information. I have no knowledge on either one of these accounts. I called XXXX XXXX XXXX and Continental Financial and one ca n't find an account under my name and the other one did not help me at all. The purpose of this complain is to clear my credit from both of these accounts. I am submitting an individual complaint to solve each of the fraudulent accounts from XXXX XXXX Bank and Continental Financial Company. I am a XXXX veteran and this is aggravating my mental and emotional well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached FTC report and verification that my identity has been compromised on the XXXX XXXX XXXX it is also important to note that this is not the first time that I have received this alert from XXXX XXXX Moreover, The Discover Financial Services is a fraudulent account. This account has been disputed numerous time & I have requested the verification method that was provided to the credit bureaus by the data furnisher to validate the account. Each time the account comes back as " verified '' yet I never received the proof as requested. As such XXXX  has repeatedly failed to both validate/verify this account and remove it from my credit profile. 

Please delete per FCRA consumer rights as this a direct violation of the law. The credit bureaus MUST provide the consumer with the verification method use to validate the account- otherwise it must be deleted IMMEDIATELY. 

XXXX XXXX XXXXXXXX
Product: Mortgage

Wells Fargo is bullying me into increasing my insurance coverage on my dwelling to the amount of the mortgage owed and Im being told this is illegal and that the coverage I had was completely appropriate as it was written on replacement cost value basis. An ins agent was furious when I asked for a quote because she said she is not going to be able to get it past underwriting. In order for her to get the dwelling amount up she has to add a bunch of things to my house that are not there. I have been battling w/Wells Fargo for over 3 mos. I can not find a lawyer who will take on Wells Fargo & now I am having a hard time finding adequate ins. & its hurricane season. If we have a storm now and my house is damaged and Im not adequately covered, I will need Wells Fargo to make repair to my home for having put me in this position now. They purchased my mortgage last year and for a year my ins was fine w/them. They claim they are reviewing files now and found my ins not to be enough. I find it hard to believe that they did not review my file when they purchased it and nothing had changed in the year. ( Expect I was 3 mos ahead on my payments. A practice I no longer bless them with ). If I didnt seek other ins on my own they will put ins in place for me and have threatened me that it will not be cheap either. I paid for the ins and provided Wells that proof and they still made payment as well. That in turn raised my mortgage amount because of the adjustment to my escrow acct. I made the payment myself specifically to avoid an adjustment and a negative escrow balance. I am currently going through probate and can not refinance. I feel Wells knows they have me over a barrel and are doing this intentionally. I need an agency to intervene and find out if they are truly going thru files or if they have singled me out. I do not understand how I can be made to insure my home for more than it costs to replace it? I further do not understand why they are messing with my escrow acct like they are when I provided proof of payment both times. Please help. Every time I state something to them, they try to bury me in paper & legal jargon as well as documents I signed at closing ( something about RESPA, etc )
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information that is hindering my credit profile. ive noticed alot of illegal iformation that has been listed on my credit repot. these errors are on all XXXX credit files an Neds to be removed, deleted an investigated for fraudulent posting. this has caused alot of denials an mislead data to my files an I need my credit report to be reviewed an remove all listed items that are negative an hindering my credit report asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going to buy a car and I pulled up my XXXX XXXX, Trans Union,  XXXX and XXXX credit report found XXXX XXXX #  XXXX, XXXX XXXX # XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraud Student Loans that were not open by me nor did I give anyone permission to use my name to take out a loan. I found addresses that do not belong to me as well on my credit reports. 
XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, OH XXXX