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

Upon checking my reports I see multiple inquiries from the same companies on various dates and timelines. I was not aware nor did I authorize with oral agreement/ written signature any of the following companies to review my credit profile and send information to the bureaus : Here are the companies and dates of occurrences : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX These inquires were never authorized by me and there appears to have been some sort of fraudulent activity. I need them to verify and provide proof for the validation of each inquiry. If none is given then I request that each inquiry with no proof of authorization be removed.This many inquiries by the same companies again and again have put my profile in a terrible position. I need it rectified as soon as possible so that I can continue with improving my credit profile and quality of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I had several inquiries on my credit report that does not belong there. I have no idea where they come from or who they belong to who do not belong to me. I have tried several times to negotiate and talk to a representative displaying I have nothing to do with these Accounts are in accurate information reporting on my credit report accounts as following listed below 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 XXXXXXXX 15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. 2 : its also states, a consumer reporting agency can not furnish an account without my written permission or instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any adverse item of information, or the records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer relating agency if the person knows or has reasonable calls to believe that the information is an accurate The credit bureau keeps disrespecting the law. 
Ive shown them multiple times of how they are violating the fair credit reporting ACT.
Product: Debt collection

The truth and lender act state that the lender requires to say the term of the agreements and I was never told that I would have to put a down payment on a car if they ran my credit score account to section 15c that in a consumer transactions that a cash payment is not required.
Product: Credit reporting

I was added as an authorized user on an account without my authorization or knowledge. The account is XXXX XXXX # XXXX. The account holder later defaulted on the account, now the account is reporting on my credit as charged off. I contacted the XXXX credit bureaus to have the account removed off my report. The account was deleted by XXXX and XXXX, Equifax refuses to delete the account. I never opened this account, I never signed any agreement with the creditor, now I 'm having issues trying to buy a house because Equifax is reporting incorrect information and the creditor is illegally reporting this account as mine. Please delete this account from my Equifax credit report.
Product: Credit card or prepaid card

I filed a complaint with Capital One for {$140.00} against XXXX at XXXX ; as the conditions of the cabin weren't fit for a rat! 
Capital One sent a letter dated XXXX I received XXXX, for more information and a form to fill out. 
I have tried for 2 hours to upload the forms to them, in addition to photos & videos showing the deplorable condition of the cabin ( blood on the pillows, XXXX on the sofa pillows, no a/c, fan not working, no electricity ). 
Hower Capital One system will not upload these. 
I called XXXX XXXX with XXXX XXXX the Philippines XXXX She couldn't understand the simple situation of the computer would not take anything I tried to upload? 
She put me to her Supervisor XXXX, in XXXX ID # XXXX. 
XXXX was the same : saying the files were too big - they were not, less than 4 pages. 
Then XXXX said that she needed 'documentation ' not photos. (??! ) If I am trying to show COne that there was blood on the pillows or the beds were broken need to send photos. 
XXXX could not understand anything, and said she couldn't fix the computer upload as well. 

I need to have a direct email of someone at COne where I can send my documentation including the few small reports they asked for, the 34 photos and 2 videos!
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, on XX/XX/XXXX I paid {$16.00} and sent a notarized certified letter with an Identity Theft Affidavit to Equifax and XXXX  regarding a fraudulent account on my credit reports. 

I received notification that Equifax and XXXX received my notarized certified letter with its contents on XX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 611, the credit bureaus have 30 days to investigate and remove, block the fraudulent account in question that is being disputed. 

I have paid a consistent {$24.00} over the last several months to my credit monitoring account to refresh my credit reports monthly to keep track of this issue. 

It is now XX/XX/XXXX and the fraudulent account has NOT been removed from my credit report and causing an on going hardship on me and my family because of this. I am submitting a complaint to the Consumer Financial Protection Bureau for assistance in this ongoing issue.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have disputed the late payments on the stated accounts. The credit bureaus refused to reverse the late payments..I don't understand how they have verified this..Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous claim that has affected my credit score tremendously..CFPB please step up and fix this ASAP XXXX XXXX, XXXX/XXXX   XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

XXXX the balance updated is XXXX XXXX XXXX the balance updated is XXXX XXXX. Equifax the balance updated is XXXX XXXX. These are inaccuracies. 

XXXX, XXXX and XXXX do not contain last payment date. These are inaccuracies. 

XXXX has account type as debt buyer. XXXX has account type as an open account. Equifax has account type as an open account. These are inaccuracies. 

XXXX has status as collection account. XXXX does not have anything listed for status. Equifax does not have anything listed for status. These are inaccuracies.
Product: Credit reporting or other personal consumer reports

On XXXX I asked for VALIDATION of this debt. I DID NOT RECEIVE IT FROM THE CREDITOR. On XXXX I asked for a 1099C because the account is charged off. The company responded that they did not have to provide one. On XXXX I asked from errors on the account to be corrected. The creditor responded that they did not have any errors on my account that was being reported. Today is XX/XX/XXXX and i am requesting that this account be removed from my credit report immediately as proper investigation did not occur. Errors on my credit report : 1.The report states that the account was closed in XX/XX/XXXX, but the charge-off date is listed as XX/XX/XXXX. XXXX. My credit report shows charge-offs ( CO ) every single month from XX/XX/XXXX through XX/XX/XXXX, a charge off is a XXXXne time event ( so on my credit report it should've only been charged off one time ). In The letter from XXXX states that the account was charged off on XX/XX/XXXX, not multiple times over XXXX and XXXX. This conflicts with my credit report, which indicates charge-offs from XX/XX/XXXX through every month in XXXX and XXXX. XXXX. Delinquency was first reported in XX/XX/XXXX, yet the payment history shows charge-offs beginning in XX/XX/XXXX XXXX the Letter Response from XXXX XXXX XXXX The letter states that your account was written off on XX/XX/XXXX, with a balance of {$460.00}, but my credit report shows the account was charged off in XX/XX/XXXX, months before the XX/XX/XXXX write-off stated in the letter. The inconsistency between the charge-off date on the report and the written-off date in their correspondence is significant. 5.The account also reflects negative available credit of - {$230.00}, which is incorrect. My credit limit on this account was {$200.00}, and a balance of {$430.00} was reported. However, negative available credit is not appropriate and may indicate a miscalculation. **ENCLOSED : PLEASE SEE ATTATCHED CORRESPONDANCE FROM XXXX XXXX XXXX PLEASE SEE COMPLAINTS THAT WERE FILED, PLEASE SEE CREDIT REPORT WITH ERRORS HIGHLIGHTED**
Product: Debt collection

On XXXX XX/XX/XXXX at XXXX, my financial counselor and myself called XXXX XXXX to get a deficiency balance statement on a repossesion that happend in summer of XX/XX/XXXX. XXXX XXXX stated the debt was sold to a collection company. They gave us the contact number at XXXX, Crown Asset Mgt. We called Crown Asset Mgt and spoke with XXXX. She informed us that it was in the process of being sold to another collection agency and that she could not give us the deficiency balance. She requested that we give her a cell number so the new company would be able to call. She would not give me the name of the next collection company. I did not give her my cell number as I am in XXXX XXXX/XXXX  in the United States XXXX at XXXX  XXXX XXXX. I explained that I could not receive calls on that cell. My counselor requested a timeframe so that I could be pulled out of training to be able to take their call. She could not provide us with a time nor a contact that I may get in touch with them when my drill sergeants allow me access to my phone. My initial security clearance is in jeopardy due to Asset Mgt dragging their feet about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland credit management has repeatedly reported the same debt three times in XXXX and i believe 4 times in XXXX for the one debt these repeats of reporting the same debt over and over are in violation of my rights.
Product: Credit reporting or other personal consumer reports

Dispute Of Inaccurate Reporting of Late Payment on my credit report relate to the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Subject : Request for Incorrect Late Payments under the FCRA, specifically 15 USC 1681. 

I am writing to dispute an incorrect late payment report on my credit report, specifically in regards to the accounts referenced with XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Upon thorough review of my credit report, I have identified discrepancies in the reporting of these accounts. To the best of my knowledge and records, I have consistently paid these accounts on time and in accordance with the agreed-upon terms. 

Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between myself and your company. Payment history, particularly late payments, negatively impacts my consumer report and constitutes a part of such transactions and experiences. 

Additionally, under XXXX XXXX. XXXX ( b ), I request documentation of the reasonable procedures you have in place to ensure that periodic statements are mailed to me no later than 21 days before the payment due date. This documentation should include all information required by 15 U.S.C. 1637 ( b ) regarding the contents of such statements. 

Reference to PAANL ( Paid As Agreed Never Late ) : The terms of our agreement have consistently been adhered to. Therefore, the account should be reported with a status of " Paid As Agreed Never Late '' to accurately reflect my timely payments. Any deviation from this status misrepresents my financial responsibility and commitment to fulfilling my payment obligations. 

Request for Proof : To validate the reporting of late payments on these accounts, I request the following : Documented proof supporting the claims of late payments, including dates, amounts, and any relevant communication. 
In the absence of valid proof, I demand that these accounts be promptly updated to reflect their accurate status as " Paid As Agreed Never Late. '' Request for Timely Investigation : In accordance with the ( FCRA ), I request a thorough investigation of this matter and a written response within 30 days of your receipt of this letter. Failure to adhere to this timeline will be considered a violation of the ( FCRA ). 

Please treat this as a formal dispute under the ( FCRA ). If the inaccurate reporting is not corrected or a satisfactory resolution is not provided, I may escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to ensure compliance. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide a written response with the results of your investigation. If you require additional information, I can be reached at XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

This is my Grandmothers account who passed away in XXXX, it should not be on my credit report.
Product: Credit card or prepaid card

A credit was opened in my name that I did not create
Product: Debt collection

I contacted XXXX an requested validation of a Citibank debt. XXXX did not respond and disclose validation. XXXX violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof ans show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.
Product: Credit card

I HAVE IDENTITY FRAUD ALERT ON MY CREDIT REPORT. I NEED CITIBANK XXXX CREDIT CARD REMOVED FROM MY CREDIT REPORT. IT WAS CLOSED AND ACCOUNT CHARGED OFF DUE TO MY IDENTITY BEING STOLEN.
Product: Checking or savings account

On XX/XX/XXXX, my debit card was declined. I called Wells Fargo and was told a notice of death hold was placed on my account and I needed to contact the estate care center. I called the estate care center on XX/XX/XXXX since they were closed over the weekend and was told I needed to go to the bank and sign a certification of life form. On XX/XX/XXXX I went to Wells Fargo in XXXX pa. I signed the proof of life form and the lady at the bank called the estate care center. The XXXX XXXX XXXX said they would investigate the matter and removed the hold from my account. On XX/XX/XXXX I began receiving emails from experian stating my social security number belongs to a deceased person and I now no longer have a credit score. I checked my credit reports and I have no credit scores for any of the credit bureaus. As of now, The only company reporting me dead to the credit bureaus is Wells Fargo. I received another email stating that a change was made to my credit file, the change was that I am deceased and the company is XXXX XXXX ( which is Wells Fargo XXXX XXXX XXXX  ). On XX/XX/XXXX I went back to Wells Fargo and spoke to the same very nice young lady as previously. She called the estate care center again and they told her they couldnt provide me with any information. I wanted to know who reported me dead to Wells Fargo or if this was a mistake made solely by Wells Fargo, estate center couldnt give me any information, they said they will investigate and they dont provide this kind of information to customers. I then called social security administration and on their end Im not dead. I need to know who caused this so I know who to pursue legal action against. This is causing a tremendous amount of stress to my life. I am concerned this will affect me in other ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXXXXXX Account Number:XXXX Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about. 
Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( e ) : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.
Product: Credit reporting or other personal consumer reports

There is something on my credit report that I have absolutely no knowledge of. Ive never received any letters or calls from this collection agency so I have no way to verify it or settle it. When I try to call the company that is listed they ask for social security numbers. I cant even verify what this is for so Im not giving that type of information. The other item listed is the same scenario. They require you to send an email inquiry also asking for social security numbers. I am not sending my SS in an email. I expected XXXX, Experian and XXXX to be able to verify this. They just leave them as correct. How can it be correct if Im not being contacted by these agencies! They also keep changing the date so they never fall off. Im at a loss on what to do.
Product: Debt collection

I have requested numerous of times the accounting ledger to verify this debt for years now. I never received a debt validation letter either. I have sent certified & registered mail plus an affidavit of all my rights that have been violated under the FDCP Act. I am a natural person living in the land and Im not belligerent. I constantly receive email from Tide Water Motor Finance offering a decrease in amount for a debt that is already charged off. They are also reporting on my consumer report monthly invalid information. I do not have the original contract and I cant get a response from the company. I do believe I am being discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Equifax and XXXX XXXX XXXX XXXX. I request that CREDIT BUREAUS initiate an investigation into the following inquiries and inaccurate information listed on my credit report, once their investigation is complete, find my allegation to be true, please remove these items as soon as possible : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX.