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

I am not liable for this debt with any of the agency BELOW. They did not provide me the original contract as requested. Under 15 USC 1681 I am demanding that my credit report is corrected and all agencies below are remove from my credit report. I did not give written consent nor did I sign any contracts with either parties that have illegally sold nor purchased debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Capital One Bank keeps reporting to the credit agency of an account that they took over from XXXX companies Orchard Bank and HBSC which at one time I had accounts. these are very old over 15yrs old had diputed them off my accounts and never put back on until Capital One Bank now keeps putting this account on my report I have called numerous of times They would respond okay our mistake it would be removed but they would again and again report Please have them remove this account I had XXXX credit companies help me XXXX XXXX and Credit resolutions it would be remove but back on after a few months. I would greatly appreciate any assitence you could give. thanks
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section XXXX of the FCRA Account in Dispute : Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action.

Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX XXXX Account # : unable to see acct number info on Equifax website Reported Balance : {$500.00} Account in Dispute : XXXX XXXX XXXX XXXX Account # : XXXX Reported Balance : {$810.00} Account In Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$400.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/XXXX, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue.
Product: Credit card

Submitted substantial evidence in my favor of returned items with XXXX. Though items were return, company charged my card. CitiCards did not win this case despite XXXX strong advisement of not paying. 

Transaction Amount : {$4900.00} Dispute Amount : $ XXXX : XXXX Dispute ID : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I wrote the Experian and XXXX about reporting inaccurate information on my credit report that needed to be deleted from my credit report with no result from them then wrote them again on XX/XX/2022 stating that the following accounts were still reporting inaccurate and unverifiable information on my behalf. 
1. XXXX SELXXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX XXXX Account Number : XXXX 6. XXXX XXXX  Account Number : XXXX these accounts are damaging to my credit and credit profile. I've been denied housing do to these inaccuracies and need this to be rectified by being deleted it is only fair at this point.
Product: Credit reporting or other personal consumer reports

I pay my balance every month and it shows after I make my payment on there website but it take capital one days to post your payment or they say something is wrong with the website and by the time the payment post its shows that your using incorrect credit usage and it dropped my score over XXXX points and when you call capital one about the issue I was told to contact the credit bureau and the credit bureau says contract capital one and it's confusing
Product: Debt collection

In the month of XX/XX/XXXX I reviewed my credit report from XXXX, and found a hard inquiry from Crown Asset Management , LLC ( C.A.M. ) dated XX/XX/XXXX for a purpose unknown. 

In response to the Inquiry made by ( C.A.M. ), I mailed Crown Asset Management , LLC ( certified mail ) a request for Validation on XX/XX/XXXX and noticed they received my letter ( attached ) on XX/XX/XXXX. 

Crown Asset Management , LLC had no permissible purpose in accessing my credit report and their action of obtaining my credit report constitutes a communication and 'collection action ' under the Fair Debt Collection Practices Act, ( C.A.M. ) had also failed to send me a notice of my right to dispute within 5 days of their first communication violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the entry made by ( C.A.M. ) with XXXX and received a letter from XXXX in response to my dispute indicating that I need to contact the company that is responsible for the inquiry. Crown Asset Management , LLC also violated the Fair Credit Reporting Act ( FCRA ) in obtaining my credit report without a permissible purpose. 

It has been 34 days and have received no reply from Crown Asset Management , LLC.
Product: Credit reporting or other personal consumer reports

Please block and remove the following within four ( 4 ) days pursuant to Section 605c of the FCRA : XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX Date of inquiry : XX/XX/year> XXXX. XXXX  Date of inquiry : XX/XX/year> XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Disputed Account Details : XXXX  XXXX XXXX Account Number XXXX XXXXAccount number incomplete not being reported on XXXX or Equifax and XXXX shows XXXX. Delete account for inaccurate reporting 2.Payment History Inaccurate on the 3 credit report XXXX reporting XXXX XXXX current XXXX current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX reporting XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Equifax reporting XXXX XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data XXXX No Data. Delete account for inaccurate reporting 3.Date Updated Inaccurate on the 3 Credit reports XXXX shows XXXX XX/XX/XXXX. XXXX shows XX/XX/XXXX Equifax shows XX/XX/XXXX. Delete account for inaccurate reporting 4.Charge Off amount incorrect How is it that the account was charged off for {$1000.00} writen off but every month it went up and is now at {$1400.00} when the 1099 form shows {$1000.00} and this account is still being updated monthly. Delete account for inaccurate reporting I request that you kindly investigate this matter and delete the inaccurate information on my credit report. Please provide me with an updated report once the dispute has been resolved. 
Enclosed are copies of supporting documents that substantiate my claims. These documents include copy of the 3 Credit Bureaus showing the differences. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that the disputed information be investigated, corrected, and removed from my credit report if found to be inaccurate or unverifiable. 
Please inform me of the results of your investigation and any actions taken. I look forward to your prompt response.
Product: Debt collection

I, XXXX XXXX, submit this claim directly for myself, and there is no third party involved. This is a response to past claims submitted to the CFPB under the following case numbers : XXXX and also XXXX. I have submitted a complaint through the Better Business Bureau in regards to this matter ; the complaint number to reference to is XXXX. I also have a report through the FTC as well for identity theft. Fact, the defendant " Wells Fargo '' has failed to respond to a valid debt validation within the proper timeframe given from Congress [ 15 USC 1692g ( b ) ]. Fact, " Wells Fargo '' was given 30 days to reply from XX/XX/2021, when they received the debt validation letter and a cease and desist ; proof can be found in the attachments " Exhibit [ 13-16 ] '' and " Exhibit [ 17-18 ] ''. Fact, I, XXXX XXXX, have proof in " Exhibit [ XXXX ] '' and " Exhibit [ 10-12 ] '' that " Wells Fargo '' in bad faith continued the collection process without proper verification or judgement of the debt, violated the Gramm-Leach-Bliley, violated the cease and desist [ 15 USC 1692c ( b ) ], and has committed aggravated identity theft of my personal information. Fact, I have provided evidence and a competent witnesses in both of my affidavits sent to " Wells Fargo ''. Fact, " Wells Fargo '' has supplied no facts, witnesses, or evidence to justify what they did. Fact, " Wells Fargo '' is civilly liable for the damages bought unto I the consumer [ 15 USC 1692k ]. Fact, if " Wells Fargo '' does not reply to my affidavit of truth with a counter affidavit, then my affidavit will stand as truth and everything in it, and I will pursue litigation in court with proper jurisdiction, federal court in a class action suit. Fact, I have given " Wells Fargo '' an opportunity to cure sent with both of my affidavits.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX  XXXXXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments ( inconsistent ) on the dates below : 30 days late starting XX/XX/XXXX ( all 3 bureaus ) 60 days late as of XX/XX/XXXX ( all 3 bureaus ) I am not sure how this happened. I believe I made my payments to you when I received my statement. My only thought is that my statement did not get to me. My payments are on autopay, so this makes me even more confused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues. Also, I have verified my identity multiple times. They have been done
through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Product: Checking or savings account

XXXX or XXXX of 2023 Wells Fargo bank account was closed after consumer complained about XXXX dollars missing from account. The bank went several years back asking for receipts for previous claims filed or reversed charges from merchants and or current businesses I had relationships with documents was provided and investigations was supposed to be performed. Nothing was heard back from XXXX. My XXXX dollars was taken As the consumer I received unfair, deceptive, or abusive treatment that was financially damaging My access then was closed and I was told theyre breaking my relationship with Wells fargo
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I sent certified letters 2 all 3 of the bureaus, stating that I was a victim of identity theft. I put each account down that did nor not belong to me me. XXXX XXXX XXXX in which it doesnt not belong to me. XXXX XXXX in which was opened fraudulently in my name. also, there is some personal information 2 addresses in which are associated with me, and which Ive never lived there.XXXX XXXX XXXX XXXX XXXX NJ XXXX and XXXX XXXX XXXX XXXX XXXX NJ XXXX. According to the law 605B. Its illegal to report information on my credit report without my permission. Please remove these items on my credit report.
Product: Student loan

Ive reached out to XXXX  several time regarding interest charges. These are fixed rate loans but my interest payment continues to increase over the last 4 months. I have also emailed them regarding the fact that even after payments are made on their website, the account summary continually states that the payment is overdue. In most cases, the money is out of my account and they still show unpaid for several days. I believe it is so they can collect more interest. Customer service NEVER replies to my emails.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Mortgage

We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. 

Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. 

We tried to contacting them, but they have been ignoring us. 

Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell credit bureaus 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. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

i call this company nicholas financial about 2 months ago about a matter they they are reporting on my XXXX  report i spoke to a young guy name XXXX he told me that they had sold the car that got repo fir {$1900.00} at a auction ... Ok so on my XXXX  credit report the are reporting a balance for {$15000.00} That saying i owe thats is miss leading how i owe that and u all wrote that off on u all taxes and sold the car for {$1900.00} as the guy XXXX that works there said it sold for {$1900.00} and also i have request for all documents i wan na see all PAYMENTS made or miss i wan na see all applcations with my name and show me id i wan na see payments insurance forms and i want a acution recipt ASAP for my records according to the fcra its my right to request all documents and if i dont recive these items with in 30 days i will push for further legal action and also plz send all payments recipts because u all have so many late dates on my XXXX  reports that are fraud and u all no but keep telling XXXX  everything verfiled its not right to report fraud information on people credit that trying to make a change in there lives my score been hurting for months form u all report missleadinfg info on my credit report plz fix in 30days PS.. plz SEND ALL DOCUMENTS TO ME FOR MY RECORDS FOR LEGAL ACTION
Product: Prepaid card

B of A had the responsibility to return my funds to me when the account was closed in XXXX. B of A did not return the funds in XXXX. Each time I speak to B of A about this they say the funds will be returned to me. Today is XX/XX/XXXX. I still do not have my money from B of A. I have emailed B of A. I have called B of A. Each time they say they understand me, but I do not have my money yet. Please encourage B of A to return my funds to me now. I have already waited 12 MONTHS! Also, B of A is required to release the
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian in regards to two bankruptcies and a medical collection that are unauthorized unverified and or inaccurate. I reported these items in XXXX and followed it up here with a complaint to the cfpb. on XX/XX/23, it is now XX/XX/23 and they have not removed the items or responded here and is way passed the days in which to respond to the complaint and or dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Equifax decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the account that needs to be removed from my that is unknown to me : XXXX XXXX  XXXX
Product: Credit reporting

I 've supplied XXXX ( XXXX XXXX XXXX ), the furnisher, along with ( Experion ) ex and ( XXXX ) XXXX a copy of a written confirmation of the only account that I had with them is settled and closed, with no further balance since 2013. 
In the letter, was the account number, reps signature and phone number. 
CRA 's are reporting that I have XXXX accounts from XXXX creditor, which is wrong. 
I 've been challenging this for the past two years with no success. CRA 's maintained the furnisher is reporting correctly. 
I called the collections unit and spoke with XXXX XXXX ( the account rep handling my account @ XXXX ). She confirmed this was an error and did n't understand why they 're reporting improperly. She asked me to allow 30 to 45 days for adjustment. I received confirmation from ( XXXX ) XXXX the phantom-XXXX account is deleted. The other XXXX confirmed the ( phantom-XXXX ) account is reporting correctly. 
XXXX, sent results with the XXXX accounts separated : confirming the correct account number with {$0.00} balance and an invalid phone number. And confirmed ( the phantom-XXXX ) item, the same company ( XXXX ) with no contact number and different address. 
Experian simply states ( report # XXXX ) updated ( the phantom-XXXX ). 
when I called to get more clarity, they both told me, I had to provide proof I only have XXXX account with XXXX.