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

I have these accounts that are not mine and i want them to be removed from my credit. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft 11 XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft BARCLAYS BANK DELAWARE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX CARD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX CARD Account Number : XXXX This is not mine.
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 corrected : XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

The collection agency never notified by mail or phone call that I owed them money. In addition, the only reason I found out about this was they filed a judgment on my XXXX credit report. I filed a dispute and XXXX removed it immediately. However, the collection agency turned around and place the judgment on my XXXX credit report the next day. This is not even my debt how is the collection able to file judgments on anybody? By the reporting this false information my credit score dropped by over XXXX points, and I have been turned down for new credit.
Product: Checking or savings account

I deposited a paycheck for the amount of {$1500.00} via mobila deposit on Friday, XX/XX/XXXX. This deposit was placed on a partial hold without any notification to me until I called them on Friday, XX/XX/XXXX. I was informed of the partial hold during that phone call to a local Chase branch since there is no national not-automated customer support, and was told this was a temporary hold, {$200.00} of the deposit was made available, and the hold will be released on XX/XX/XXXX at the latest. It is my understanding that Chase is required to inform me when a hold has been put in place on a deposited item, and I received no such communication and the amount is well below the usual hold threshold of {$10000.00}. No reason was given for the partial hold.
Product: Credit reporting or other personal consumer reports

Today I visited XXXX of XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ) to inquire about a possible trade-in. The sales representative, XXXX XXXX, repeatedly assured me that only a soft inquiry would be taken from Experian to estimate financing rates and payments. However, I immediately received notice from Experian and XXXX that 2 hard inquiries were performed without my authorization. I never applied for a vehicle loan, filled out any form, or authorized a hard pull. The manager, XXXX XXXX, also denied performing any hard pull. Resolving this issue with the credit bureaus is an extreme hassle as neither will allow online or phone disputes in this situation. They recommended having the dealership contact them, but I do not trust them. 

Experian lists the inquiry as " XXXX XXXX XXXX XXXX and XXXX lists it as XXXX XXXX . Both were submitted today, XX/XX/XXXX. My credit scores have already been negatively affected. 

Manager email : XXXX Sales rep email : XXXX Phone number : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  Credit reporting agencies (XXXX , Equifax , XXXX) are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they posted on my credit report.  I demanded to see Verifiable Proof (an original Consumer Contract with my Signature on it) that have on my credit file of the accounts. After I kept disputing and sending letters, they have failure to positively verify those accounts that has been hurting my ability to obtain credit.   Under the FCRA, unverified accounts must be removed, and they are unable to provide me a copy of verifiable proof. They must remove those accounts which have been listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts and the credit agencies, XXXX, Experian, and XXXX, came back stating accounts been verified, Now I'm requesting a Method Of Verification with all supporting documents as stated in the laws of FCRA, please provide me with all the information governing these accounts or delete/ block them from my credit report. ( 1 ) XXXX XXXX {$9500.00} ( 2 ) XXXX XXXX XXXX {$5400.00}, ( 3 ) XXXX XXXX XXXX ( 4 ) XXXX XXXX XXXX  ( XX/XX/2016 )
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just noticed on my recent XXXX  credit report and also when I pulled my credit on XXXX XXXX that XXXX XXXX XXXX is NOT reporting my paid loan which I have had with them and paid on time for three years now!!! They were reporting it!!! This is causing my credit score to drop as it looks like I have only had credit established for a year and a half which is untrue and it is also pulling my score down due to looking like I don't have a auto loan plus my perfect pay history for this amount of time is also pulling my score down, which is causing me to have to borrow at subprime rates when I have paid perfectly for most of my life!!!!! 

I am going to sue them and all of the credit reporting agencies and WILL contact XXXX XXXX to help me do so if they don't get my accounts corrected NOW and going forward!!! it is the CFPB 's job to make sure they are all reporting correctly and if they do not to sue them themselves and fine them for breaking the FCRA!!!! FIX MY REPORTS and sent me a physical copy of each report from XXXX, Experian and XXXX  showing all is correct as well as a copy to the CFPB for my file with them, do not close this complaint until all is correct!!!!!! This will be the last car loan I will take out with XXXX XXXX XXXX due to all of the problems associated with it too!!! I want the credit reporting agencies held accountable for their mistakes as well, financially!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Bankruptcy is being erroneously reported on my credit report.
Product: Money transfer, virtual currency, or money service

I sent some money to my mother on XXXX, through the account transfer feature on the Money gram app. As of today, XXXX, the money has not been credited to her account. I have reached out to money gram on different occasions to let them know this money has not been received. To that, they have told me that the issue is not with them, but with the bank. 
They recommended that I work with the bank to resolve this issue. The bank confirmed today that they had not received the money, so I am very frustrated!!! 
I had asked Moneygram on XXXX to send me the details of their contact at the bank so that I could reach out to the officer to help resolve this issue. They told me they did not have any details and insisted that I should resolve the issue myself. 
I have never dealt with an organization that would be so nonchalant about something this serious. Both parties in this transaction, the bank ( XXXX XXXX XXXX XXXX ) and Moneygram are not willing to help resolve this issue. 
Please if the Bureau can help I would really appreciate it because Moneygram is taking their fiduciary responsibility for granted on this issue.
Product: Credit card or prepaid card

The issue is with Bank of America Commercial Credit. They are intentionally causing unnecessary delays, have failed to provide clear and concise information on multiple occasions, and are withholding funds without my permission and refuse to do anything about it for an additional 50 days. This is or boarders on criminal.

I filed 2 disputes on my credit card at the end of XXXX. This prompted the merchant to work a bit harder with me to come to an legal settlement and agreement. Part of the agreement was I would cancel the dispute so the merchant would received the funds back so they could fulfill the orders. I called BofA to do so. The 1st person I spoke with told me the file was notated and everything was good to go. Nothing occurred. 1 week later or so I called back. They had no record of this. They then informed me that per mastercard rules they could notate the file BUT nothing would happen for 60 days. The quickest way to resolve the outstanding dispute would be to have the merchant and their payment processor to file all the requested paperwork. I was told by a supervisor on a recorded line that once Bofa received the paperwork on the dispute they would not fight it and simply send them back the money. After weeks of going back and forth and then waiting for BofA to do its job they told us the return of the claim was approved BUT they were going to hold the money for 50 days. Nothing in mastercards agreement or within my credit card agreement allow them to do this. I called and spoke with a supervisor- they had no clue that the claim was approved ( I have documentation ) and they denied the fact that they would hold funds for 50 days ( again we have an email stating such ). BofA commercial claims division is clearly incompetent. I am now in violation of my settlement with the merchant and everything that should have been wrapped up by now has yet to begin because of the intentional and irresponsible delays by BofA. I have filed complaints with them and they do nothing. Please assist in getting the money back to the merchant as was requested over a month ago.
Product: Debt collection

XX/XX/XXXX there was a ring at my doorbell. A young gentleman with XXXX envelope. He handed it to me and said, Youve been served. Baffled I immediately sent a letter to Hunt and Henriques LLP, explaining that Ive never received any notice to collect that debt from that company and I also asked that they Validate the debt. I asked for a signed contract between the parties and a license number verifying that they can Collect in the state of my residence in that debt validation letter. They proceed to mail me a list of itemized transactions which is not what Ive asked for. This has caused me and my family so much stress. I do not know this company. I asked again for VERIFICATION of the debt but it seems like they only want to harass me.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is HRRG I would like to see proof of claim in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HRRG failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of Pursuant of U.C.C. - ARTICLE 3 -3-501 ( b ) 2 ( 1 ), I am entitled to demand presentation of the negotiable instrument. That demand is hereby ordered. I demand that you present for my visual inspection MY ORIGINAL WET INK SIGNATURE PROMISSORY NOTE and allonge in XXXX County. This is required to establish your right of enforcement as Holder in Due Course via a chain of assignment as evidenced by the Note or Allonge. Claiming to be the the holder in due course as a statement is insufficient proof of status and is/will be rejected. A photocopy of the documents is insufficient proof as it does not answer the question of who CURRENTLY is the rightful and lawful holder in Due Course. HRRG is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HRRG is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HRRG has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was wondering where did credit bureaus get this public information when the recorder of deeds, the magistrate or the court itself did not furnish any of this information to the credit bureaus. They do not provide any proof to justify their reporting. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false information XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Inaccurate Reporting on Credit Report by Equifax Dear CFPB, I am writing to express my concern regarding inaccuracies in my credit report provided by Equifax. Upon reviewing my report, I noticed that my rental payments for XXXX and XXXX have not been reported. This omission does not reflect my payment history accurately, and I believe it constitutes a violation of my rights under the Fair Credit Reporting Act. 

As a responsible consumer, I have consistently made my rental payments on time, and I will be uploading supporting documents to verify that these payments were made as scheduled. I understand that accurate and fair credit reporting is essential for maintaining the integrity of the financial system, as noted in U.S. Code Title 15, 1681. 

I would appreciate your assistance in resolving this matter promptly. Please let me know if there are any additional steps I need to take or forms I need to complete to facilitate this process. 

Thank you for your attention to this important issue. I look forward to your swift response. 

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

In accordance with the fair Credit Reporting act, Inquiries from the following were not authorized XXXX XXXXXXXX Inquiry date XX/XX/XXXX, XXXX OF XXXX Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XX/XX/XXXX, XXXX XXXX NA Inquiry date XXXX XXXX, XXXX  XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX and XXXX Inquiry date XX/XX/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: Debt collection

I was a victim of identity theft as a result of being homeless and did not have a physical address in 2012. Numerous accounts were open without my permission. The original creditor ( XXXX XXXX ) calls and harass me daily for debt which i didn't owe. I explained the ACCOUNT was not mine. They sent me some billing info with incorrect addresses and I explained are not mines. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these negative disputes, as I am new to this. They are not coorporating and states that they are willing to work with me and take settlement offers. They then turn around and sold the account to Cavalry SPV I , LLC and now I don't know what else to do so I am finally coming to you guys for some guidance please.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help concerning the false account on my credit report. This situation has hurt my reputation as a customer, and I need your support. I want these wrongly reported accounts removed due to their negative impact.
Product: Credit card or prepaid card

XX/XX/2021 I live in New Mexico. I am a victim of ID Fraud. Someone has used my information to start an unemployment benefits claim. I have notified my state, and the EppiCard arrived at my home on XX/XX/2021. I am trying to call them, inform them of the fraud and close the account but there is only an automated system that does not have an option for reporting fraud or to speak to a live person. ( Terrible System!! ) I need to make sure a replacement card is not ordered, as I do not know if there are multiple claims in my name or not.
Product: Debt collection

This is respected to bill send by XXXX when i switch the carrier. Back in XXXX XXXX had sent me network enhance device by one-time charge of XXXX $ and said I never have to refund the device and pay anything. Now in XXXX when I switched from XXXX they had put the charges of XXXX $ of that device for not returning. XXXX just trying to punish me moving from their service. 
I had asked XXXX to send me a proof of agreement I signed for returning the device then I will be ready to pay the amount, but they dont even send me the agreement of XXXX. 
I had called XXXX department 3 time and everytime they said they will investigate and come back to me but they never do. 
Now the XXXX is sending the charges to collection agency which is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous amounts of errors on my Equifax, XXXX, and XXXX consumer report ( s ) that shouldn't be on there and are in direct violation of the FCRA. Including but not limited to wrong account numbers/ social security numbers that aren't even mine associated with various accounts, it's showing personal information that is non-public information that shouldn't be shared, any financial balances shouldn't be shown on my consumer report as this is a violation as well. 

I was also a victim of the data breach. I have sent Equifax/XXXX/ XXXX a dispute letter along with two forms of identification including a copy of my Driver 's license and my Social Security Number. They sent me a letter back requesting me to send in what I have already included. They are clearly playing games. 

What I need from Equifax, XXXX, and XXXX is for them to remove any and all violations. As well as send me a check in the mail for the amount of {$30000.00} for knowingly and willingly violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 XXXXXXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXXXXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1.00}, 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXXhas continuously and falsely verified this alleged account. Both Experian and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board. 

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector ( portfolio recovery ) is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX