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

I am writing to you with great concern and frustration regarding the persisting inaccuracies on my credit report, particularly in connection with an account held by XXXX XXXX and a collection reported by XXXX XXXX XXXX. Despite multiple disputes and providing irrefutable evidence of the following inaccuracies : 1. An address I have never lived in. 
2. Information I have no knowledge of. 
3. Discrepancies in my consumer report upon different timeframes. 

It is evident that both XXXX XXXXXXXX and XXXX XXXX XXXX  are consistently in violation of several critical sections of the United States Code, specifically : 15 U.S. Code 1692b ( 2 - 5 ) : The Fair Debt Collection Practices Act strictly prohibits false or deceptive practices when reporting information to credit bureaus. Capital Ones actions in this regard are inexcusable. 
15 U.S. Code 1692c ( a ) ( c ) : XXXX XXXX XXXX  reporting of a collection that I have absolutely no knowledge of raises serious concerns about their adherence to the law. 
15 U.S. Code 1692g ( a ) ( 1-5 ) : I have not received adequate validation of this alleged debt from XXXX XXXX XXXX XXXX a clear violation of my rights under this section. 
15 U.S. Code 1681 ( B ) ( i ) ( ii ) : Both XXXX XXXXXXXX and XXXX XXXX XXXX have failed to accurately report my information, including the false address and information that I have repeatedly disputed. 
15 U.S Code 6801 ( a ) ( b ) ( 1-3 ) : XXXXXXXX XXXX  inability to safeguard my personal information, as indicated by the inaccuracies on my credit report, raises concerns about potential identity theft and is a violation of the Gramm-Leach-Bliley Act. 

In addition, XXXX XXXXXXXX may be in violation of 15 U.S. Code 1681c ( a ) ( 1 ) ( B ), as they have continued to report information that I believe to be inaccurate and potentially fraudulent, further exacerbating my distress. 

Given the egregious and repeated violations of these consumer protection laws, I demand an immediate deletion and removal of the disputed information from my credit report. It is my right as a consumer to have accurate, fair, and lawful reporting, and I insist on the restoration of my credit integrity without further delay. 

I am determined to resolve this matter swiftly and to put an end to this ongoing ordeal. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 adverse item of information, other than records of convictions 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.

I will attach a copy of my credit report showing inconsistent / inaccurate information throughout my credit report. 

Account Name ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Because of the inconsistent and inaccurate information reported on my credit report I can not purchase a house for me and my family, I can not buy a new car to help me travel to and from work or appointments, and/or I can not apply for credit cards. The inconsistency of items throughout my credit report have to be accurate, timely, and consistent. I have filed reports with Identity Theft.gov, XXXX, and numerous other agencies regarding XXXX, Equifax, and XXXX. I have asked for investigators names and have not received the information from either credit bureau regarding the items on my credit report. 

Delete all items above from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of all of my credit reports. I inspected them for inaccurate information. 
When I discovered the inaccurate information, I contacted the companies in question to either update my account or provide me proof of the reported information. Statements showing the late payments. They didnt provide the information requested. 

I have never been late on any of my accounts. I have provided proof of the inaccurate reporting attached in this complaint. These accounts, if accurate, need to be reported the same for every credit agency reporting the account. you can see that some show late, others on time, others with no information at all. they are all over the place. Please investigate and provide proof that these accounts were late. If these statements cant be provided, I request the accounts be updated to PAID AS AGREED or be REmoved from my report all together. I was never late of these accounts. 

Thank You XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX ( old XXXX XXXX loan that is closed ) & XXXX which is XXXX on experian 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 602 A section 2. States consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B A creditor may not treat a payment a credit account under open end consumer credit plan as a late payments Ive had many troubles with Experian improperly or inaccurately documenting my credit report once I became aware of my report with experian. Due to their negligence and inconsistencies and reporting its affected me greatly when applying for credit. Upon checking my reporting it was riddled with so many errors. I send disputes electronically and state what Im disputing has been verified? Verified by what and whom? Its MY credit report about ME. I show them docs to counter the inconsistencies and without human interaction or real investigation I get abysmal results. I submitted an attachment showing various inconsistencies. 
Example 1 A & B show my new car loan with XXXX ( which has reported many inaccuracies in conjunction with experian ) I started my loan XX/XX/2021 paid on time but they messed up the loan process. So it shows two payments and what experian is reporting is my loan started XXXX and only one payment to account on wrong month. Due to the XXXX mix up my loan is was redone in XXXX. Just to further make my point the information experian is producing with XXXX is terrible. 

Example 2 A & B is experian taking a charge off and RE-AGING the closed file which is illegal and entire account needs to be removed immediately Example 3 A, B, C is my old loan with XXXX that shows late payments on my account. Which I never had a late payment. I show pictures of the times paid which was less than 30 days and was agreed upon with customer service at XXXX. Also I never received a correspondence or inferred through conversation with XXXX that my credit report would ever be affected when I made payment plans during the COVID pandemic which Im pretty sure the CARES act made sure of that
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor. 

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report. 

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so. 

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Student loan

After nearly 20 years of payments and struggling at times thru fear of non payment I was misled from day 1 at XXXX XXXX XXXX with having a low credit score a predatory lending, beyond the compounded accrued interest owed during times of deferred and forbearance, I have tried so many times to contact them to just get my transcripts despite my inability to afford to finish my program. This horrible experience with XXXX XXXX XXXX and Sallie Mae then Navient has disrupted my life and for far too long I owed more than the original loan. I request all interest and late fees back and origination fees. Totaling approx {$1500.00}. I have paid money for my transcripts 3 times and they wont release it. That alone has cost approx {$100.00}. I cant get historic records they wont answer my questions without paying another {$250.00} to release my transcripts. 
{$1700.00} is a conservative request considering the devastation caused by my credit scores properly reported and getting inaccurate tax information and no access to statements. Im devastated. Please help.
Product: Credit card

The Citibank Double Cash card provides protection for Damage & Theft of items bought with the card for 120 days. My sunglasses bought on the card were stolen at the XXXX airport while traveling outside the country. When I came back and asked about the benefit I was asked to file a claim with a Police Report. I filed a police report with City of XXXX and submitted all the information claim form, copy of credit card statement, detailed receipt and a copy of the police report. The claim was denied stating the police report was value and hence the claim has been denied. I tried reasoning with the Citi Dobule Cash Card claims personnel and they refused to entertain the fact that Police report filed was infact true and the claim should have been processed.
Product: Debt collection

I keep getting calls from Fifth Third Bank trying to collect a debt from someone named XXXX XXXX. At least 30 times in the last month alone. They have the wrong number, I do not know who that is, and I do not have any accounts with Fifth Third.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my personal information has been compromised and O believe that I am a victim of Identity Theft. I will be submitting my supporting documents. 

There are debt collection companies that are reporting on my credit with no validation that the debt they claim is mine is really mine. They can not provide me with proof with the original document with my wet signature. The FCRA states that I am only obliged to pay the original creditor and no one else. 

The following collection MUST be removed from my credit report : XXXX XXXX XXXX {$470.00} XX/XX/XXXX  The following inquiries were not made by me and Must be removed from my credit report : XXXX XXXX XXXX
Product: Debt collection

Calls to both my cell and home phones from a Missouri number, ( XXXX ) XXXX. A recording threatened to serve papers on me at my place of employment. I called them a total of 31 times trying to get information piecemeal before the different agents hung up on me. They called their company " XXXX '' and I could hear other collectors in the background following the same script as the one I was speaking to, verbatim. They mentioned Wachovia, with which I have not had an account since 2007. Each time ( at least 15 ) that I asked what type of account and the court jurisdiction where the action was being filed, they told me I was rude, or I was lazy and could n't take care of my debts, once even that I 'm not a good XXXX. They never would, or could, answer my questions. I do n't believe I owe Wachovia, now Wells Fargo, anything. IF I ever did, it 's way beyond statute now. If I truly do legally owe them anything, I will happily pay it. XXXX is either a phishing scam, or a sweatshop debt collector trying to extort money on legally unenforceable debts.
Product: Debt collection

On or about XX/XX/ my joint checking account was garnished by Velocity Investments LLC for {$8400.00}. Even though, I had repeatedly requested information on this debt over a period of 3 years, I never received any documentation. 
Furthermore, the account is a joint account that I own with a sibling and received no notice of garnishment. 

Additionally, proof that XXXX was allowed to send the money to Velocity since it was a joint account and why was I not notified nor the other account owner.
Product: Checking or savings account

I signed up with Simple bank. They announced the BBVA acquisition and sent messages that nothing would be changing. I was surprised this morning to find the Simple app was bricked and I had to sign up for a BBVA app to access my account. I was able to do that and see my account, but Im unable to deposit checks. The error I get is that the amount I entered doesnt match whats on the check. It does. I retried taking the photo 3x, exiting & entering the app, same error. I had to write specific instructions on the check for mobile deposit only, so now I cant deposit it at a brick & mortar BBVA bank. I tried calling BBVA customer service but their phone lines hang up calls as soon as they are answered by a rep. XXXX is the only place I am able to find any current information about the transition, and its from other customers.
Product: Credit card

dispute case : XXXX On XX/XX/2023 i purchase some sneakers in the amount of {$950.00} USD from the merchant XXXX i recieved my package on XX/XX/XXXX and opened it to find out that i recieved the wrong item. i immediately contacted the merchant to send back the item so i can get the one i had originally ordered. The merchant never replied and said in there emails it was due to a long volume of messages which in my assumption are similar to my case. Once i waited enough time i had filed a dispute with XXXX  to retrieve my funds, i have never filed a dispute and thought it would be simple. however my dispute was denied for no reason as they failed to take my evidence despite me seeking assurances that they will ( will provide photos of conversations with customer support agent ) the proof i sent is all the information they need ti know that i recieved the wrong items the response from the merchant failed to acknowledge the different item and im pretty sure was not reviewed by a person because this is evidently clear that the merchant was at fault and failed to reply. i ordered a pair of XXXX XXXX XXXX in size XXXX and recieved a pair of XXXX XXXX XXXX XXXX  sneakers in a completely different size ( XXXX ) i will be attaching photos of the item i recieved the email i would send to the merchant, confirmation wmail as well as chats with the goldman sachs XXXX. This dispute process is highly flawed 1. they never requested any evidence i had to reach out and ask if they can take it and if they will because this is a costly amount for me. 2. when i did submit the evidence i seeked assurances that they would take it and they didnt. 3. i tried to appeal and theyre requesting information unrelated to my dispute asking for a 3rd partys opinion on the services performed which gives me the sense that this isnt anyone reviewing my case and its being automatically denied. I was never asked for any evidence the first time around and got denied and now that im appealing it are asking for information unrelated to my dispute. this is a product i ordered how can a 3rd party review it. nevertheless i submitted everything i need to and am asking assistance to get in contact with the right people so they can review it and see that i am not at fault because this is a very costly item for me. I kindly ask the decision be over turned and the evidence be considered thank you for your help, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX XXXX XXXX  card ending in account # XXXX. I called XXXX XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. The negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

I noticed two inquiries on my report that I never authorized from XXXX XXXX XXXX. These inquiries were initiated on XX/XX/2023 and XX/XX/2023. I contacted XXXX XXXX XXXX and spoke to an agent named XXXX who informed me that there is nothing showing that I am a client and that I should dispute and file an identity Theft Report which I did. However, Equifax stated that they have deemed the report as invalid. The FTC advised me to re-download the report using Chrome and re-submit it to CFPB and Equifax.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act account # 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

Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some various inquiries in my credit accounts. All 3 : XXXX, XXXX, and XXXX. 
I am trying to sign up for a mortgage, so I need to fix my credits. 

Ally Financial - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. The confirmation number of the inquiry with Ally Financial is : XXXX. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 


XXXX XXXX XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I have no recollection of this inquiry. I contacted XXXX, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX XXXX XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. 

XXXX-XXXX - Inquiry from XX/XX/XXXX I never approved this inquiry. I contacted them, and they said they were going to remove it, but never did. I submitted a dispute with XXXX, but they decided not to approve it. They said there is nothing they can do. I have a long-standing account with XXXX. I dont know why they ran my credit again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX filed in public record a certificate of sale for the property they continue to report negatively as late/missed payments that public record shows it was sold back to the association two years ago. Date opened XX/XX/XXXX for a balance of {$10000.00} and an original balance of {$20000.00} for a 10 year loan. The status as of XX/XX/XXXX states open with {$9500.00} past due as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters as complaints to the Credit Bureaus to dispute the information on my Credit report that were incurred due to identity theft. Through the letters, I have been informing the Credit Bureaus that I was a victim of Identity Theft and I never received any benefits as the result of the Identity Theft. On XX/XX/2022, I sent a letter to the XXXX and TransUnion Credit Bureaus requesting that they provide me copies of any documentation which bears my signature to support the Credit Bureaus ' claim that the items they failed to remove belonged to me. XXXX and TransUnion Credit Bureaus have failed to comply with the Fair Credit Reporting Act section 605b and continued reporting the disputed accounts without proper authentication. I am submitting this complaint through the help of the CFPB to remind the XXXX and TransUnion Credit Bureaus to remove the following information that resulted due to identity theft. The Credit Reporting Agencies must delete the following disputed items pursuant of the Fair Credit Reporting Act section 605b immediately if XXXX and TransUnion Failed to provide proper documents to support the Credit Bureaus ' claims. Once again, I need the following items removed now : XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$0.00} DEPT OF EDXXXX XXXX Balance {$1300.00} DEPT OF EDXXXX  XXXX Balance {$3100.00} DEPT OF EDXXXX XXXXXXXX Balance {$3800.00} DEPT OF EDXXXX XXXXXXXX Balance {$9000.00} DEPT OF ED/XXXX XXXXXXXX Balance {$3300.00} DEPT OF EDXXXX XXXXXXXX Balance {$4900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$750.00}