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

1. XXXX XXXX XXXX  is reporting to XXXX XXXX and the three major credit bureaus such a XXXX Equifax and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the first premier card muliple/duplicates of the card must be deleted.
Product: Credit reporting or other personal consumer reports

Your company has placed multiple inquiries on my credit report without my authorization.
Product: Credit card

I do not consent to e-OSCAR verification, I want a real human being to read this complaint. I sent in through registered mail a security to CAPITAL ONE. The security was received at the location CAPITAL ONE instructed me to send to. CAPITAL ONE did not credit my account from the dividend payment that the company made off my treasury coupon. Did not credit my account via the electronic transfer fund act of the interest on my treasury coupon. I tendered the coupon I received according to the UCC laws, but CAPITAL ONE is infringing upon these laws and also the many laws that govern my federally protected rights as a federally protected consumer. " 3-604. DISCHARGE BY CANCELLATION OR RENUNCIATION. Primary tabs ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record. ( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement. ( c ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record. '' According to UCC 3-604 the debt is automictically discharged for the non-compliance of the company after I fulfilled my obligation according to UCC 3-603 . I don't know what CAPITAL ONE is doing with my security I sent in, but they are committing security fraud, and I have not received my security back. The security hasn't been returned to me so I'm assuming CAPITAL ONE is stealing from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XX/XX/XXXX I received a notification that XXXX updated my payment information on my Equifax Reporting from past due XX/XX/XXXX to current. However all 3 bureaus were not updated so I sent a request to have all 3 bureaus updates. On XX/XX/XXXX, I received notification that XXXX had removed the positive payment history and reported the negative history again. I feel like this was a very bad experience and that Ive been discriminated against. The decision to add back negative historys UNJUST, negative and has violated my consumer rights and is hurting my credit score.
Product: Credit reporting

Experian is reporting inaccurate, damaging credit information after their " verification '' for a furnisher that appears to be incapable of reporting accurate complete and true information.This unconscionable behavior is illegal according to the FCRA and carries statutory damages that Experian must pay.In addition the FCRA allows and suggests that when a furnisher is habitually error prone, Experian is allowed to block the furnisher and in so doing protects Experian from liability for false inaccurate reporting.Attached are XXXX bureaus reporting within last 3 weeks, all are inconsistent with each other.Experian reports a collection in XXXX 2012 while the other XXXX bureaus report that the case was closed in XXXX of 2012. 
The XXXX XXXX ... ACCOUNT ON MY EXPERIAN seems incapable and unwilling to report correct complete and accurate information to Experian that is required by law to report ... ... SO THE FCRA directive IS REPORT ACCURATELY OR DO NOT REPORT AT ALL AND PAY XXXX DOLLARS FOR EACH PROVEN INCIDENT OF DISOBEDIENCE TO FCRA TO THE PERSON REPORTED ON.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account type Credit Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$550.00} written off. {$550.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$550.00} Balance updated XX/XX/XXXX Filed dispute for ID theft. Investigation was not done.
Product: Credit reporting or other personal consumer reports

Company continues to use names that are incorrect as well as addresses
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls undeXXXX XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XX/XX/XXXX
Product: Debt or credit management

I was behind on rent and when I went to court I had a date to pay the rent back which I did, not once did they mention after I paid the rent back and fought for my apartment in court they would be laying unnecessary fees and charges and charging me rent for the months I didnt even live there. Why am I being charged for months I didnt even stay there how is that legal and humane? There also was mold all through my apartment and my heat did not work. Law 15 USC 1692c ( c ) clearly states If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Credit reporting or other personal consumer reports

Requested investigation of error collection account on file from credit bureaus. No knowledge of fraud account and fraud Victim. 

XX/XX/2023 {$690.00} XXXX
Product: Debt collection

CREDIT CORP SOLUTIONS attempting to collect debt not owed to company. I have attempted to contact this company numerous times via phone, letter and still refuse to remove debt from my credit reports. This company is stating I owe them {$940.00}.
Product: Credit card

American Express is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being XXXX days late on XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is for my XXXX XXXX XXXX  that is now closed but should be in good standing I made very payment on time and this is hindering my life as Im trying to get a house I have tried to fix this with XXXX XXXX they said I had to contact the credit companies and I have been disputing the late payments for years and they cant even tell me how this is accurate or prove that they reached out to the creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX  Account # XXXX I was never late 30 days XX/XX/2020 Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Payday loan

XX/XX/2012 my apartment was robbed. They stole a box of checks from my home that I thought I lost. Turns out the checks were still in the home. I had already reported them stolen. Trident asset is trying to force me to pay for XXXX checks. These are FAKE checks not even from the box stolen. They have fake account numbers and claim to be XXXX XXXX. They have a XXXX XXXX routing number on then. They have my old name and address first name spelled wrong. Fake drivers license information and XXXX different fake telephone numbers typed under my name and address. Trident refuses to find them to be fraud even with my real information. They put them on my credit report! The debt collector accused me of being a thief and said I probably made the checks myself! They also refuse every time to allow me to talk to a supervisor to resolve the issue.I need help getting this off my credit reports. I have had every other debt collection help me resolve these issues except them.
Product: Checking or savings account

XX/XX/XXXX, XXXX I called BOFA to close my account I had a positive, balance, and was told i would recieve a check if i still had a positive balance. they only closed my savings account and i hard charges go through from random places as well and no knowing it was a backup bank and payment for things like XXXX which wouldnt have happened had the accounts been closed like i had asked. 
It has been four months since the supposed account closure and my bank says i spent over XXXX $ in XXXX, not even counting XXXX and XXXX when i first closed. 
I now accidentally paued XXXX $ into it from XXXX and they wont give that money back and close the account because they say, it needs to be used pay off the random little charges that happened in the last 4 months. ( a few charges have been from the bank itself and are super weird, i didnt get charges like that for the whole two years i banked with them. I refuse to pay more money to close an account that was already requested on 2 phone calls and they should have those recordings. as well as emails and one last depositi on my hisoptry with a note saying its to XXXX  out and close my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been reporting inaccuracies on my credit report for years and needs to be removed IMMEDIATELY! They are continuously reporting as a Charge Off and when asked for debt validation, they'll send statements and a XXXX XXXX mailed to an unknown address. I've been living in my house almost 3 years ( XXXX XXXX XXXX ), an apartment prior to that ( XXXX XXXX XXXX ), and with my parents ( XXXX XXXX XXXX XXXX ). They are intentionally ruining my finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and XXXX and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last three months I have submitted legal documents from USAA CREDIT CARD SERVICES TO XXXX  Credit reporting agency to remove negative credit from my credit report. I have filed with XXXX  14 times showing that my credit is perfect and 14 times USAA states to XXXX  that I have negative credit with USAA. I have a legal document from USAA stating to all credit companies I don't have negative credit. I have a legal court date and have had contact with USAA attorney Ms XXXX XXXX. 
( XXXX ) who has tried to fix this matter and has no Idea why USAA is not complying with a court order and legal document attached stating to all credit reporting agencies that I have perfect credit with USAA. I was on the Phone with XXXX  today and they have the legal documents from USAA but when they contact USAA to confirm the document USAA denies the document.???? This has ruined my ability to get a home loan and employment due to my credit is XXXX and and it has been at XXXX for 25 years. I am a retired XXXX XXXXXXXX and live on a XXXX on the job injury. I am going to file a American Disability Act discrimination law suit against USAA if they don't contact XXXX  and clear this matter at one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report just because I don't usually and found that someone has used my information to open accounts for years! I tried calling the crditors I am being given a run a round, nobody is willing to help me even though my identity was compromised.. once at XXXX, and once at XXXX, I have received confirmation from both of these companies that my credit profile was compromised. In short my credit is all messed up.. I figured I was just using cash and had no credit and here I am with a whole bunch of accounts I never had anything to do with???!? 
These accounts are listed on my XXXX credit report XXXX XXXXXXXX ACCOUNT NUMBER XXXX XXXX {$430.00} limit  {$300.00} 60 DAYS PAST DUE XXXXXXXX XXXX XXXX opened XXXX XXXX, XXXX XXXX  {$300.00} XXXX CHARGED OFF XXXX XXXXXXXX {$420.00} XXXX XXXX XXXX XX/XX/XXXX opened {$300.00} limit charged off as bad debt XXXX CHILD SUP 6 late payments XXXX XX/XX/XXXX opened XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX, XXXX date opened XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX {$2600.00} XXXX XX/XX/XXXX date opened XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX date opened {$420.00} balance XXXX XXXXOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$620.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX  Balance {$680.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$2600.00} XXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX opened XXXX XXXX XXXX XXXX XX/XX/XXXX open {$620.00} XXXX XXXX XXXXOriginal creditor : XXXX XXXX XXXXXXXX XX/XX/XXXX Equifax Balance XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX -- Revolving XXXX XXXX, XXXX Open not more than three payments past due XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXOpen Account XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Closed Charge-off XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX  you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XX/XX/year>- The following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC. 1681 section 602 states i have the right to privacy 15 USC 1681 section 605 A section 2 it also states that a consumer reporting agency can not furnish an account with out my written permission or instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX with Social Security Number XXXX resident of XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, submit this affidavit to request a security freeze on my credit report. 
Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/ 2. Current Address : XXXX XXXX XXXX XXXX XXXX CA XXXX 3. Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
4. Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID.

A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

5. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

6. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter.

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

Experian is allowing XXXX XXXX XXXX to report incomplete information on my credit report. Experian notes the status as never late for an account that was opened on XX/XX/XXXX however the loan servicer is only reporting monthly payment history for most months an " ND ''. During conception and origination of the loans, the servicer agreed to update each month the account was in good standing as '' OK ''. Also Experian posts to my credit report that my account originated in XX/XX/XXXX, however payment history for four of the past seven years are missing. This is the case for more than 15 different student loan accounts that Experian has allowed to post to my credit file from XXXX XXXX XXXX. I am missing over 500 payment history updates. It is unfair to allow the burden of the debt to reflect on my credit report without allowing me to receive the benefit of the credit age and payment history which are significant factors in my credit score. When I disputed this information Experian allowed the lender to remove most historical data for payment history which is against completeness provisions of the Credit Reporting Act, 611 a 15 USC 1681ia. The payment history is available and known and must be reported.