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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is my fourth 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. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$1700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : Balance : {$42000.00}, XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$9800.00}. XXXX attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( XXXX ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a case ( XXXX ) against AR RESOURCES , INC . The case was in regards to debt validation and verification for derogatory information on my credit file. 

As you can see in the previous case ( mentioned above ), I was requesting not only validation but also verification of 2 debts that AR Resources , inc has entered as derogatory information on my credit file. 

I asked for debt validation on XX/XX/2018. The company stated in the complaint that they sent this information on XX/XX/XXXX. 

Per FDCPA the company should have received this letter by the XXXX day not mailed off on the XXXX day. Please see below : The Debt Collector is given notice that pursuant U.S.C sec 1692g ( b ) : if the consumer gives notice to the debt collector in writing within the thirty-day ( 30 ) period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer  requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a void judgment, or the name and address of the original creditor, is mailed to the consumer by the collector, and in 15 U.S.C. 1681-1681 ( u ). If any of these accounts are over seven ( 7 ) years old, can not be verified and/or have been discharged, written off, charged off, sold, referred to a third party, or can not be validated, Affiant requires that these statements be deleted from the Consumers credit report. 


Also please note the letter that I received today is a " printed '' statement of account, not the actual bill of which both are incorrect. Per FDCPA the alleged credit must provide the original bill with authorization to bill. 

Additional AR Resources has opened account number in my name of XXXX. I considered this a fraudulent because I have not entered into any contract at any time with AR Resources and they have obtained my personal information illegally. It is against the law to opened an account without the knowledge of a consumer. This is a direct violation on the Frank Dobb act and FDCPA Also there is not assignment of debt agreement to verify that AR Resources has the legal authority to collect on such debt. This is a violation of the UCC FCRA and the FDCPA Please see legislation below : Debt collector is further noticed that this is not a request by Affiant for a photocopy of any invoice, statement, bill,  summary, agreement and the like and that any future communication received by Affiant from Debt Collector, in written as well as any other form, absent the above-cited requisite Verification of debt, irrespective of the inclusion of any photocopy of any related involve, statement, bill summary, agreement, and the like, constitutes Debt Collectors tacit admission, confession and agreement that Debt Collector has no lawful, bona fide, verifiable claim, re the alleged account, as per the Fair Credit Reporting Act and the Fair Debt Collection Practices, and Uniform Commercial Code ( UCC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey To Whom It May Concern, Experian keeps telling me I can apply for credit that everything is fixed that my XXXX XXXX  came off. However when I apply for credit cards they tell me Experian is reporting inaccurate Information which is resulting to hard pulls on my account. I have called experian each week and they told me everything is fine. So I am unsure the problem. I have spoke to the credit card companies and they all say Experian is the problem. My XXXX  score is good and my XXXX is good, It's just Experian Is the problem. The problem I am having is I am not getting accepted for credit due to Experian sending poor/inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX # XXXX and 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 reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2XXXX 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

My ex-husband and I divorced on XX/XX/XXXX and he was left responsible for the Cabella 's Capital One Card in his name. The Cabella 's Capital One card that was in my name was closed XX/XX/XXXX due to never being used. I received a bill from Cabella 's Capital One that still had my name attached to it in XX/XX/2020. I contacted Capital One on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to request my name be removed from the Cabella 's Card in my ex-husbands name. I requested proof of statement that I had authorized to be an authorized user on his card and Capital One has not provided any proof. Capital One is refusing to take my name off the card until the card is closed. My ex-husband has over {$17000.00} in charges on the account and unable pay it off. As a result Capital One has reported my name attached to Cabella 's Card as a joint account member to the Credit Bureaus and now my credit rating is poor. I have always paid my bills on time and had excellent credit.
Product: Debt collection

Received a letter ( attached ) stating that if the company did not hear back from me by XX/XX/XXXX, they would pursue legal action. Date of charge off was XX/XX/XXXX. This is now the second instance of this company wrongfully pursuing legal action. There is currently already an open complaint.
Product: Debt collection

I received communication from Americollect claiming that I owe {$490.00}. Under the Fair Debt Collection Practices Act, I sent a certified letter with my current address to Americollect to request validation of the debt as i did not recognize it. The letter was delivered on XX/XX/2020 and to this date have not received a response. As it has now been 30 days, this is required to be removed from my credit report and i have received no communication whatsoever.
Product: Credit card

I applied for and was approved for XXXX Southwest credit cards. Before I used the cards I called to verify that I would be getting the XXXX bonus on each card. The customer service rep that I spoke with assured me that I would. I used each card to meet the min spending on each card. I only received the bonus on XXXX card. I called back and they said that I 'm only allowed XXXX bonus per card. They said if I applied for the Southwest Plus card I can get my other bonus. I 've tried to apply for the Southwest XXXX card but have been denied. I feel I am missing XXXX bonus points.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My relatives have shar ed VM  's from this company  United Recoveries calling them telling them that armed police officers we re coming to my home to arrest me in  4 hours if I did not respond to them, I have contacted them to see who they are, hung up on me 3 times, and the last time they transferred me to a case manager I sat on hold for over 15 minutes only to be redirected back to the operat or again. They have no sent me any notices, they have called my niece and my husband with the same message, no clue who they are or want they want
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several requests 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 Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SER, XX/XX/2019 add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Consumer Social Security Number :, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. The company agreed to remove the account but Transunion, XXXX and XXXX still has not removed. I have attached the letter.
Product: Debt collection

The following debt is not mine and was reported on XX/XX/XXXX XXXX XXXX  credit bureau. I have advised representatives with IQ Data International not responsible nor live as roommate.

The IQ debt collectors continue contact through harassing communication tactics and although request stop calling continue to call and report falsified information to credit bureaus. Upon my research found this debt has history of unfair practices, discrimination and deceitful practices to later evict the responsible party ( reported XX/XX/XXXX vCFPB compliant ) I am experiencing harassment, repeated calls during work hours telling to call police on person for identity theft, use of deceitful communication/reporting tactics. 

In addition, per research to contact found Creditor-XXXX XXXX, XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX ( attached ) IQ DATA INTERNATIONAL Original creditor : XXXX XXXX MD ( incorrect ) {$11000.00} Balance updated XX/XX/XXXX Account info Account name IQ DATA INTERNATIONAL Account number - ( XXXX ) XXXX Original creditor XXXX  XXXX  MD ( incorrect ) Company sold - Account type Collection Department / Agency / Attorney Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$11000.00} Balance updated XX/XX/XXXX Original amount {$10000.00} Paid off 0 % Monthly payment - Past due amount {$11000.00} Terms 1 Month Responsibility Joint Account ( incorrect ) Your statement - Contact info Address PXXXX XXXX XXXX XXXX, WA XXXX Phone number ( 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed to remove information that has had a material impact on myself after repeated requests to do so, and furnishing them with the requested information beyond what has been requested. 

I ask that these requests be honored, otherwise, other agencies, federal, state, local, XXXX, civil rights, state Attorney Generals, and other may be contacted to correct the information or otherwise forced to do so in a court of law with a favorable ruling by a the presiding Judge.

The information listed is inaccurate, incorrect, done without my consent, permission, or authority, and I was otherwise unknown of the severity of the situation. 

Remove all requested information.
Product: Checking or savings account

On Thursday XX/XX/XXXX Im suppose to get my direct deposit but I still havent received due to the capital one outage I have no way to pay for groceries and my medication for my XXXX and XXXX currently XXXX  please help I wasnt notified about this situation until XXXX XX/XX/XXXX and it has been going on since the XX/XX/XXXX which is very unprofessional and unlike them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 use SC 1681. And they violated my rights numerous of times. I demand accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax written permission to furnish these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our score suddenly dropped so high with Transunion when we have a high score with the other 2. They explained in a way that non sense. It went back to the problem that was solved a long time ago. I asked why in a month dropped so low when I have a high score with XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my XXXX XXXX payments and stopped missing payments that were due. I am now caught up on all my XXXX XXXX. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my credit score.

In accordance with 15 USC 1666 ( b )
Product: Mortgage

I switched homeowner insurance in XX/XX/year>, my premium went from {$2900.00} to {$1300.00}. Our broker uploaded the new policy into the system for the mortgage company to update numerous times. Two months ( XXXX ) ago our mortgage went from {$1600.00} to {$2100.00}. I called to see what was going on and the agent told me that our insurance went up and our escrow was short. She gave me the website to upload the new policy into the system, which should have been updated months ago. I did that and have email confirmation myself that it was updated in the system. Nothing happened. I didn't hear from Mr.Cooper, payment didn't change. I called Mr.Cooper today to see what was going on and the new policy still wasn't updated into the system. I then had to call another number and speak to another agent who updated the policy while I was on the phone. Then I had to be transferred to another agent that said she now has to do a escrow analysis to see what my new payment will be. I am still responsible for the {$2100.00} payment. 
Mr.Cooper Policy Number- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to formally request an investigation and correction of the listed accounts that appears to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Delinquency Reporting XXXX  To Whom It May Concern, I am filing a formal complaint against Comenity Bank regarding the inaccurate reporting of my XXXX account on my credit report. Despite my attempts to resolve this issue directly with the credit reporting agencies, this incorrect information continues to harm my credit standing. 
Complaint Details : Creditor : Comenity Bank XXXX Account Number : XXXX Issue : Incorrect delinquency reporting Credit Bureaus Affected : XXXX, XXXX, XXXX Nature of the Dispute : Comenity Bank has erroneously reported this account as delinquent. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of credit information are required to ensure accuracy when reporting consumer data. However, Comenity Bank has failed to meet this standard, leading to unjust harm to my credit profile.

Additionally, under 15 U.S.C. 1681s-2 ( b ), once a consumer disputes an item, the furnisher must conduct a reasonable investigation. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ) establishes that a mere verification of the debt is insufficient ; a deeper, independent investigation is required. 
I formally requested that Comenity Bank verify or correct the delinquency, but no satisfactory resolution has been provided. As a result, I am escalating this complaint to the CFPB for further investigation. 
Requested Resolution : I request that Comenity Bank : 1. Conduct a full reinvestigation of my account status.

2. Provide documentation verifying the accuracy of the reported delinquency.

3. Remove or correct the delinquency if it can not be verified.

4. Update all three major credit bureaus with the correct information.

This error has negatively impacted my creditworthiness, and I seek a prompt resolution to avoid further damage. I urge the CFPB to take action to ensure Comenity Bank complies with federal consumer protection laws.

I have attached supporting documents, including copies of my credit report, identification, and previous correspondence, to assist in your investigation.

Thank you for your time and assistance in resolving this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX