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

Disputed Item with XXXX/Experian XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) XXXX/Experian verified as accurate XX/XX/XXXX & XX/XX/XXXX ( via mail and online ) Request XXXX/Experian FCRA 611 letter XX/XX/XXXX & XX/XX/XXXX ( no response ) Sent reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt. XX/XX/XXXX ( no response ) Sent Second Letter reported creditor a Dispute letter requesting adherence to applicable laws adherence and validation of debt XX/XX/XXXX ( no response ) Sent XXXX/Experian Final letter before submitting Complaint ( s ) XX/XX/XXXX ( no response )
Product: Credit reporting or other personal consumer reports

I lodged a complaint in the form disputes through their official websites. Against these Bureaus ( Equifax, XXXX, XXXX ) more than a month ago regarding inaccurate and negative information on so called credit reports. but unfortunately, the inaccurate information on my report still remains on my report. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the data leak and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE
Product: Debt collection

I have an collection agency called Ability Recovery Service, that is trying to collect debt in the amount of {$1300.00} from me. I was an victim of identity theft and I have disputed with all XXXX bureau about this along with a copy of my police report showing identity theft. I need for this collection agency to removed this collection off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I left my wallet in my car and it had got stolen, recently I have noticed that there was some unauthorize charges on the account when I went to check on my consumer report.
Product: Credit reporting or other personal consumer reports

I have attempted on numerous occasions over the last year to inquire about several accounts on my Transunion credit report. These items are negatively impacting my credit score/report and I have yet to receive any information from Transunion to validate these accounts. 

They have failed multiple times to provide me with any supporting documentation or proof that these accounts are accurate, true and should be on my credit report. I have sent letters requesting that these accounts be fully investigated to determine their validity and Transunion has not responded to my request.
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. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT IN FRAUD INFORMATION TO XXXX AND TRANSUNION CREDIT COMPANY AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT INFORMATION OR INVESTIGATE AND SEND PROOF OF INVESTIGATION
Product: Credit reporting or other personal consumer reports

Equifax credit report has applied company call XXXX XXXX XXXX, XXXX XXXX was informed me to disputed matter took over XXXX days Decision. Was to DELETE this account... due to XXXX XXXX XXXX XXXX XXXX. XXXX didn't match in DISPUTE .then shortly! l review my credit report. notice this account was replaced back on my credit report.. Equitfax refused XXXX XXXX the FCRA consumers XXXX reporting act. Information don't match d. Me bein a consumer l receive a. XXXX dated XX/XX/year> advices me this account would be replaced back showing on my credit report.. Confirmations XXXXEqufFAX. Request l contact web bank .whom l already been contacted. We disputed matter.? very aware that this account doesn't belong to me. Also XXXX XXXX reports. EQuIfax need XXXX to continue to doing there XXXX. What was already granted in a. dispute that took XXXX days. I advised XXXX XXXX  to stop filed against my credit report. These companies. Shouldn't be allowed to losse dispute. Then shortly be replaced showing on credit report My credit report. I have fraud alerts attached. We This account has already been dispute this matter XXXX. was resolves XXXX. Deleting .why is there such thing called dispute. If then XXXX shortly turn aroun replaced back I refuse to make payments. Caused this account doesn't belong to me
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 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: Mortgage

I received a letter from Lakeview Loan Servicing in XX/XX/2020 that I had an escrow shortage of {$4800.00} I closed on my property XX/XX/2020, Escrow deposit was made, and all mortgage and escrow payments were made ( 1 late-by 16 days ) After numerous phone attempts was told due to a tax increase. 
I contacted the town, and told was up to date, and max increase allowed by law is 6 % ( which would be {$1000.00}, not {$4800.00} ) At this point, I sent another certified letter that I would like to pay my own taxes. 

The response I received was that they could not separate since I have a mortgage payment that was 30 days late. 

Of, course I have bank documentation of all transfers.
Product: Checking or savings account

Capital one placed a restriction on my account due to fraudulent activity. The capital one representative on XXXX began to ask invasive questions about my transaction activity and asked me to list all deposits into my account and what each transaction is for and asked why I was transferring funds from my authorized external account to my capital one account. This was highly inappropriate and invasive and non of capital ones business as my account transaction shows this account is for paying my mortgage and utilities. I escalated this to a manager which was extremely rude and was able to verify the activity that was reviewed as fradulent althoigh it was for a tenants rent funds which was noted in the XXXX notes. Instead of just verifying the one fraudulent listing and asking me one simple question, capital one abused their power to ask me about why I use my account and external account usage that is not with capital one. I want a breakdown and listing of which federal regulations allows capital one to ask invasive questions about my bank activity and a resolution or I will be closing this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any inquiries listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

EQUIFAX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX COLLECTION : XXXX SELF-REPORTED Balance {$100.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX accounts XXXX, # XXXX DEPT OF EDUCATIONXXXX, # 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.
Product: Credit card

This account has been paid in full but has not been reported paid in full to the credit bureaus. XXXX XXXX said the account has been updated. This is not being reported. Please Help!
Product: Vehicle loan or lease

I have called TD Auto Finance on several occasions. I have been making overpayments on my loan, and I noticed that the overpayments were not being removed from the principal amount. I called them in XXXX of XXXX, not exactly sure of the date, and I spoke to someone that reassured me that instead of not having payments for months in advance, the overpayments would be applied to the principal for only the last 6 months. She said to give them XXXX to 6 days to have it adjusted. After the XXXX day, I checked my balance again, and nothing had been adjusted. I called back again, and again I was told that it would be adjusted, to give them another XXXX to 6 days. I checked my balance again after that, and it had only been adjusted XXXX dollars. I had an overpayment of 5 months in advance, XX/XX/XXXX, where I didn't have to pay, how was it only adjusted XXXX dollars? I called back again and requested a manager this time, her name was XXXX. She stated that the person that had done the original adjustments had done them wrong, and she would have it expedited to the billing department, and that it would be credited towards the principal amount. The principal amount was XXXX. I waited again, and checked my balance. After this '' adjustment '', they gave me a balance of XXXX. 5 months of overpayments is not that equivalent. My payments are XXXX, and I have been paying at least XXXX or more a month. Again I called, and asked to speak to another manager, XXXX, which I spoke to on XX/XX/XXXX. XXXX says that she saw what XXXX had done, and also saw that XXXX had put in a request to fast track it, and she said that she would give me a call within XXXX hours to let me know the status of my complaint. XXXX hours later, no phone call from her. I called them back and asked to speak to XXXX. I was told that neither one could come to the phone. I asked for another supervisor, and I spoke to XXXX, and she says that the adjustments had been made and that I actually owe more. They quoted me at XXXX, and brought the original XXXX, XXXX adjustment higher than what it was. When I questioned it, because my payout had not changed for months before this, she said that she would have XXXX call me back. I was not satisfied with this. So I spoke to XXXX, which I had previously spoken to on a request for a manager, and was told she wasn't a XXXX, but now a few days later became XXXX. When I spoke to her today, she was combative and condescending, and told me she would fax me all of the changes made to my account. I have been waiting, and nothing has been sent. Now, they're are asking for a payment this month, when I was not supposed to have any payments until XX/XX/XXXX! I have proof showing that I wasn't supposed to have payments for months in advance, yet I was still paying. I have bank statements, and I have their statements. Can someone please reach out to me? I have no other recourse as they have stated that there is nothing further that they can do, and refuse to let me speak to anyone else. I feel like they are bullying me now with asking me for a payment this month when clearly I don't owe anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act each XXXX XXXX XXXX XXXX XXXX has violated my rights. There are a total of XXXX of these accounts. 

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 I have disputed these accounts previously, it they came back as updated and accurate. I have attached screenshots from my most recent credit report, as well as the full credit report. There are several inaccuracies ranging from the last payment date, date reported, and date of last activity
Product: Debt collection

There was a wrongful use of my checking account from XXXX XXXXXXXX XXXX I asked help from the Bank that it was not me who purchased it. Staff from the bank said they will do a dispute and I dont have to do anything. Dispute came back and said I authorized the transaction. They closed my checking account. Few months came I received a notice about a debt in collection from XXXX XXXX XXXX that I owe {$590.00}. 

The original transaction from XXXX XXXX XXXX  was {$530.00}. I did not receive a notice from XXXX that about the {$530.00} and this was sent directly to collection.
Product: Debt collection

Got a bill stating that I owe   XXXX   XXXX   XXXX  . I have NEVER had that insurance. I have been with one insurance company since 2000 and it is not  XXXX .
When checking CCS ( Credit Collection Services ) online, I have found that this is a common scam they have been doing for years.
I do not want to contact this company in fear that they might get my home phone or work phone and harass me.
Product: Credit reporting or other personal consumer reports

I was really caught off guard when I saw inaccurate accounts on my credit report this morning, with no explanation for how they got there. I regularly monitor my report, but today, these discrepancies suddenly appeared. I even tried refreshing my browser, thinking it might be a temporary glitch, but nothing changed. I am now asking for a detailed review of the documents I've submitted to ensure this problem is permanently resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2300.00} ; XXXX XXXX FS XXXX Balance : {$34000.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

The school I attended went out of business and I 'm receiving countless harassing phone calls on repaying this loan for a school that is no longer in existence.
Product: Credit card

On XX/XX/year>, I paid off a balance transfer for XXXX from my personal account. I neglected to cancel the auto-pay associated with the transfer because I was paying off the balance in full. However, Bank of America extracted the auto payment of {$600.00} on XX/XX/year> as scheduled even though the balance was XXXX. I called the bank and closed the account to stop the auto payments from occurring because all of a sudden, I was no longer able to log in to my account to do this myself?! On XX/XX/year>, I received an email from Bank of America that stated, " Your scheduled auto-pay is set for XX/XX/year> ''! 
The account is closed and was closed before XX/XX/XXXX. I am still not able to log-in to cancel the auto-pay feature which has informed me of another extraction on a XXXX balance on a closed account. 
This is 100 % White collar theft. 
I have called the phone number on the back of my card ( XXXX ) XXXX XXXX times now and have spoken to four people about this situation. I am waiting for a refund check for {$600.00} and my last 2 statements to come in the mail. I was told the auto-pay was cancelled and not to worry, until 2 days later when I received the email of the upcoming XX/XX/XXXX extraction. I am still unable to log-in to my account and it's clear to me that B of A has no integrity whatsoever
Product: Debt collection

Repetitive harassment. Calling all hours of the day even after XXXX pm. Below is a detailed call log of the last year starting : From phone number : XXXX or XXXX ( XXXX ) XXXX XXXX from a XXXX  representing to be from PCI named : XXXX XXXX. Or same number ( XXXX ) XXXX Ext : XXXX from a XXXX representing to be from PCI named : XXXX XXXX XXXX XXXX XXXX from PCI XXXX  from PCI XXXX XXXX XXXX from PCI Ext : XXXX XXXX XXXX from PCI Ext XXXX XXXX Below are just the voicemails not including all the excessive calls in between where they didnt leave voicemails XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2019 I opened PenFed Savings account & deposited the {$5.00} they required for me to be eligible to open a credit card account with them also. 
I was asked at that time to provide a color copy of my drivers license, a current utility bill & a color copy of my social security card. I travel for work and did not have my social security card available. I asked if I could use drivers license, utility bill & my US Passport- I was told yes, that would be fine. I scanned those documents and emailed them to the email address they had given me. Several days later I was sent an email telling me the had to have a copy of my SS card. I called and explained the scenario mentioned above & this time was told I still had to provide a SS card copy - he couldnt explain why I had been told that my passport & other documents would be sufficient. Ive now received my first credit card bill & am not able to link my non-PenFed checking account as a payment source. I phoned today XX/XX/2019 and was told that I must provide a color copy of my SS card or a tax statement in order to be able to link my checking account to pay my bill. 
I understand that verification of identity is required & important- but I am XXXX years old and have never been asked or required by any bank or financial institution to provide the documentation they are asking for. Is their request even legal? I would appreciate knowing why the documentation I have provided is not sufficient & whether their request is a violation of current consumer protection law. Thank you