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

Around 2013 several bank accounts and credit cards were opened under my name at XXXX XXXX  without my knowledge. When I became aware of this I contacted the bank and explained the situation and was told the issue would be resolved on their end. Now on my credit history the fraudulent credit cards are still showing under my name along with late payments from this fraudulent activity.
Product: Credit card or prepaid card

I opne an credit card account with caital one services, XXXX XXXX XXXX XXXX XXXX, ut XXXX, on XX/XX/2018 an arc payment ( note ) was sent to my bank giving them the ok to send or do an pay to capital one to recive {$25.00} for my min payment.I call capital one to check up on my card acount on XX/XX/2018 at XXXX.they told the account was close, i ask why, the said on XX/XX/2018 when they sent the payment to my bank that the bank deny it becoause it was money in the account, so, i call XXXX which is my bank XXXX XXXX XXXX XXXX XXXX ca XXXX , we did an 3 way call in which an rep from capital one, an me, XXXX an rep from XXXX XXXX was on the phone together, my bank rep from XXXX told capital one the phone talk was recorded by me, the bank an capital one, they told them the reason why the payment to go out wasnot because, capital one would not did collcet the note, we ask them why, he stated he was going to look into it.that was strange, affther the bank rep hang up.he told me to hold on when he came back to the phone he said that the could not correct the matter cause the bank said it was not money in the account, keep in mind we just got off an 3 way the bank rep said that the reason was cause capital did not colcect, the note and the money was in the account to cover it.i told him that.ask if i could have the papers ect.. so i can fail an complaint, the co has an investigaton team that do just that look over acount check and corect mistake ect..the custumer has to tell them that want it they has investigate and let the person know what hapend, if person need statement letter doc ect ... that are show it give to.thats the consumer rigths fed law also cover that to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Please investigate and process my disputes for all these collections that im disputing. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and I made sure these companies were aware of some accounts that I did not open nor give anyone else permission to open. When I opened the dispute, these companies investigated and claim that the information was verified. How is this information verified when I am telling them that I DID NOT authorize it nor was I aware of these accounts being reported on my credit report. I need them removed. I also have filed a police report and with the ftc. I have attached my recently filed police report and my federal trade commission report, and also the accounts that need to be removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX   XXXX   XXXX   has been reporting loans more than 120 days late when the loans were paid in full by a student loan consolidation.
Product: Payday loan

I have asked Credit Central in XXXX, Al not to call me between XXXX and XXXX while I am at work. They continue to call me at least two times a day. I could lose my job.
Product: Debt collection

Ability Recovery somehow refuses to acknowledge that validity of debt does not allow them to report inconsistencies, inaccurate information and duplications. I have disputed this information several times, and it has been fraudulently verified. The validity of debt does not allow for false reporting of dates and amounts. It is defamation to report false information including dates, amounts, and duplicated debt to make it appear that debt is newer, older, or to attempt to collect more money. I requested debt validation in XX/XX/2020, and received no response. I was not given any opportunity to validate, verify or ( if valid ) satisfy the debt prior to credit reporting. 

The attached shows clear inaccurate date, inconsistencies, and duplicate reporting all violations of the FCRA.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no obligation to XXXX XXXX. My contract for my XXXX was with XXXX XXXX. The contract does not give XXXX XXXX the right to report to XXXX about the alleged account. 

One page 3 of the contract in the NOTICE OF NEGATIVE REPORTING SECTION, it states that only XXXX XXXX Lending can report to consumer reporting agencies about me. XXXX XXXX committed fraud against me and is a Debt Collector pursuant to the FDCPA.
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 listed below : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX MTR XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed XXXX {$0.00} US DEPT ED XXXX Balance Owed : {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly ignored my request to have these accounts removed. 

Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Rights they have violated this now my 4th complaint 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) CC : Consumer Complaints PA Office Of Attorney General CC : Consumer Complaints XXXX XXXX XXXX.
Product: Checking or savings account

I try to use on line banking as much as possible. I scheduled a bill to be paid electronically in XXXX. It was to be delivered by XX/XX/XXXX. It was due XX/XX/XXXX. I received notification on XXXX that it was not able to be paid electronically and they had sent a check. It said the funds could be taken out of my account before or after XX/XX/XXXX. 
Payment not received yet on XX/XX/19. 

Contacted PNC and they did not mail payment until the XXXX. Said they did not know about the problem until that day, but in actuality. according to their email, they knew on the XXXX. 

This is the third time this has happened with PNC
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

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

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There is an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : MEDICAL
Product: Mortgage

I have a VA Loan. The original loan included cost for Mortgage - Hazard Insurance. After the first year, the issuer of the mortgage insurance, cancelled the policy. Though the policy was cancelled, the monthly mortgage cost stayed the same. The loan originator insisted that I again get an insurer to cover the loan. Subsequently, I found out that VA Loans per my category, do not require " mortgage insurances ''. The loan originator has sense foreclosed and sold my property, even though, I have continued to pay my monthly mortgage up until they stopped receiving them ; returning my checks to me with a note saying they no longer could accept them. The loan originator has issued an eviction notice to me effective XXXX XXXX 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov it ..
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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Product: Credit reporting or other personal consumer reports

This account started its first late payment on XX/XX/year>, which is inaccurate since it does not reflect the balance of the account, much less the payment due, consequently this affects subsequent late payments. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion inaccurate of the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION 15 USC 1692e THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and unauthorized access to my personal information has resulted in these accounts being reported in my name. As such, I am requesting that these accounts be blocked and deleted pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
Accounts to be Blocked and Deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company has called my daughter at  (   XXXX   )   XXXX , several times, sharing the debt amount, reason for the call, and even going so far as to ask whether this vehicle had been involved in an accident.
Product: Mortgage

XXXX Your Notice of Default and Notice of Intent to Foreclosure letter dated XXXX of past due balance of XXXX is invalid. Please see XXXX  XXXX XXXX XXXX dated XXXX confirming that all payments have been made on time and the correction requested by XXXX  XXXX XXXX to Specialized Loan Servicing of {$88.00} to complete the misapplied payment correction to our account. No payments have been missed before or after loan transfer on XX/XX/2019. In addition, our credit report for XX/XX/XXXXreported by XXXX  XXXX XXXX has been reported as current. 

All supporting documents are attached. Please correct the misapplied payments, past due balance, and payments history to all credit bureau agencies. 

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

On XX/XX/XXXX I sent a letter asking transition to enclose a method of verification regarding an alleged bankruptcy. On XX/XX/XXXX transition replied stating the item verified as accurate but not by who. On XX/XX/XXXX I sent another letter asking for another method of verification as they had not done so already. On XX/XX/XXXX XXXX sent me a letter stating the bankruptcy court verified the item. On XX/XX/XXXX I sent another letter stating the item in question needs to be deleted as they had verified it inaccurately. On XX/XX/XXXX they sent me a response letter stating it was still verified as accurate. On XX/XX/XXXX I sent a letter with an enclosed letter from the bankruptcy court stating they do not verify items with credit bureaus. XXXX has yet to respond to my requests after the letter was sent certified.
Product: Mortgage

The XXXX mortgage on my house was bought by Nationstar Mortgage during my Chapter XXXX bankruptcy and the XXXX mortgage was legally discharged when I successfully completed the bankruptcy in XXXX 2014. I completed and filed the legal documentation in XXXX XXXX County, CA re : stipulation resolving the complaint. Instead of reconveying the mortgage within 30 days, I then began receiving bills from Nationstar, saying I owed them XXXX of dollars and the company reported the false info to the credit bureaus. After several calls and faxing proof, Nationstar kept insisting that I had to pay the XXXX mortgage. After I got my lawyer to send proof of the discharged loan, Nationstar finally noted that they would reconvey the mortgage, but it is still " in process ''. Nationstar should have stripped the lien last year. When I was in escrow to sell the house after having to move for a new job, I found out the lien was still there and I am now losing XXXX of dollars and will probably lose the house to foreclosure because of Nationstar 's delay in reconveyance of the mortgage. I 've called Nationstar weekly and it is still " in process '' although I was told it takes about 30 working days to reconvey it. Is there anything else I can do to get this resolved legally?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX years old and facing threats in employment, housing and financials in which depending upon US government support is volatile. Forced against a rock and a hard place I attempted to protect my character by freezing my credit scores before all my bank accounts are closed and I can no longer prove what sort of person I was in handling money. 
My first stop to freeze my credit score was with XXXX. When I called their phone number I went through the process of giving my Date of Birth, My Social Security Number, my address. The automated machine then told me to create a pin. Unable to make a 6 digit pin right away my phone call was transferred to a XXXX customer service rep.. 
The person asked me for my social security number again. I gave it to them. I then asked where are you located. I was told " outside the United States. '' I then hung up on that person. I got the phone number off of a website advertising XXXX. I then called XXXX who gave me a different phone number providing me with the same result, an operator in some country over seas. 
In my quest to try and save my character from defamatory allegations that may be levied against it in the future, I submitted my personal information to a Credit score company submitting my identity to foreign actors that don't have to obey US rules and regulations to safeguard my identity. In fact since the credit bureau transfers US citizens personal information overseas instantly, I want to submit a complaint accusing them of compromising my Identity. If my identity is stolen, I want the credit bureau 's to be held more responsible for what ever losses someone tries to pin on me when the bureau is to blame. 
I will not try and freeze my credit score now even though I need it to protect myself from democrats and republicans who dedicated their lives to serve foreign country XXXX not US citizens. Since I'm not a XXXX, I have real problems with Government protecting its citizens just like the other 300 million US citizens at the mercy of foreign country serving politicians, be they Federal, state or local officials.
Product: Debt collection

A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX  XXXX OR CACI and unless you can provide proof showing an agreement entered with XXXX  XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a XXXX year statute. This is illegal, inaccurate reporting, and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.
Product: Credit card or prepaid card

I had a vacation rental in XX/XX/2021 and I had charged the rental on my Visa account. I had mentioned to the vacation rental company that my daughter had health issues and would need to bring her XXXX XXXX. I was told it was not a problem and I would need her certificate. Since the American disabilities act clearly was in the contact I had no reason to doubt that this would be accepted. The vacation home sold apparently days before i arrived and the new owners were unaware that I had been told this and they had cameras in the home. The agency charged me with a {$1400.00} cleaning fee texting the new owners that my husband had authorized this. I actually tried to work with the agency for several weeks, I had sent pictures of how I had cleaned the home ( which i should not have had to do but it was not clean, very dusty due to COVID shutdown my guess ) and the agency acknowledged my pictures and thanked me but were not able to get the new owners to even consider working with me so at that point I disputed the charge as the visa card company did not have my permission and I have not had a husband in 20 years and there has never been anyone authorized to sign on my Visa account. When I filed the dispute the VIsa company said that I clearly had a valid dispute. They basically took the response of the vacation rental agency and sent it to me claiming they were not accepting the dispute. I have done everything i can to try to hold the credit card company accountable for accepting a charge that was not authorized. They have now billed me and even sent me a threatening letter that if I do not pay they will report to credit bureau.
Product: Credit card or prepaid card

Hello, I applied for the XXXX credit card with Chase Bank about 6 months ago and I got approved and received my card and start using it. 

I also applied for the XXXX XXXX credit card with Chase Bank about a few months ago. I got approved, received the card and start using it. 

The other day when I called XXXX XXXX credit card to see why I have not been able to use the card past few days, they told me that my account is closed. I asked why they said they do not take closing an account lightly. That was their answer. 

To my surprise also found out later that day that the XXXX credit card was also closed. I asked them why and they said the same exact answer : they do not take closing an account lightly. 

Chase Bank did close my checking and savings account 3 or 4 years ago for no reason explained to me. But why would they give me credit cards and close it? This is hurting my credit score. 

Can you please look into this and let me know? 

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

Ive been a victim a of identity theft.
Product: Checking or savings account

I was suppose to receive money from a lawsuit with Wells Fargo but did not
Product: Credit reporting, credit repair services, or other personal consumer reports

I sign into my credit Karma account to update personal information and just look at loan possibilities offers. 
I never requested any loan or gave information for the two companies to check my credit scores or completed a application for the loan. 
I received a email from the companies that I was not approved for a application I never applied for which did a inquiry on my account and credit score.