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

I SENT IN LETTERS REGARDING INACCURATE REPORTING OF FALSE ITEMS ON MY CREDIT REPORT. I TOLD THEM TO MAKE SURE THAT THEY'RE REPORTING 100 % ACCURATE INFORMATION. HOWEVER, I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE IM BEING IGNORED IN MY DISPUTES. THESE ARE DECEPTIVE PRACTICES BY THE BUREAUS.
Product: Credit reporting, credit repair services, 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. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE PUBLIC RECORD IS A DISMISSED ACCOUNT, I AM NOT LIABLE TO THIS ACCOUNT. PLEASE INVESTIGATE THIS MATTER AND HAVE THE DEROGATORY ITEM OFF MY CREDILT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

account does not belong to me
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Bank checking account is with Capital One. I also use XXXX. XX/XX/23 Received a text from the Capital One telling me that there was suspicious activity on my account and if it was from me. I replied " No ''. I then received a call from the Capital One help line XXXX  ( I looked up the number to make sure it was Capital One ). 

They identified themselves as an account rep and knew my account balance. They were asking for more information on my account. They said they changed my password and needed the code- which I gave them. They said they would move funds around and secure the account and would call back. They said my account would be temporarily locked. 

They called back asking for XXXX account information. I gave them the XXXX password. I then noticed money being withdrawn from my XXXX account. 

They then called my mother ( who is a contact in my XXXX account ) asking her for her password. She did not respond and hung up. She called me to let me know and that I should call Capital One. 

I called Capital One to inform them of the unauthorized transactions. 

In total over the next 3 days {$4900.00} was transferred from my Capital One checking account to XXXX. From XXXX, the money was transferred to someone I don't know. 

In addition, {$1500.00} was transferred out using XXXX XXXX 
At this point all my funds from the checking account were gone. 

{$200.00} in credit card transactions were also fraudulent and disputed. This amount was refunded. 

I called Capital One on XX/XX/23 to dispute the transactions. My cards were cancelled. They opened a case and the informed me that my claim was denied for the following reason : " Due to authorization and/or participation in the transaction activity. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/. I received notification from XXXX of an unauthorized credit inquiry on my Equifax credit report. The date of the inquiry was XX/XX/ from XXXX. I immediately notified Equifax that the inquiry was not authorized by me and that I did not give XXXX permisable purpose. This was done online through their website. The next day I received the following statement " Inquiries are of factual record of file access and will remain on the Equifax credit file two years from the reported date of the inquiry ''. I contacted them again and specifically stated that this inquiry was not authorized by me and that it is not factual. This letter was mailed out on XX/XX/XXXX  and sent certified mail. On XX/XX/XXXX  I received a copy of my credit report with the credit inquiry still being reported on my credit report. They also stated that they will not remove it. As a result I am filing a complaint with your office and will take civil action if necessary if this isn't removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Debt collection

I WAS AFFECTED BY THE EQUIFAX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO EQUIFAX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM EQUIFAX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..EQUIFAX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..EQUIFAX IS RESPONSIBLE AND NOW THEY WONT FIX IT
Product: Credit card

I am disputing the collection account with BRCLYXXXX account number XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that BRCLYXXXX, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

I am writing to formally dispute the continued reporting of the above-referenced collection account on my credit report. This account has been removed from my credit files with XXXX and XXXX, and I am requesting its immediate deletion from my TransUnion report as well. The fact that this account has been deleted by the other two major credit reporting agencies indicates that there are inaccuracies in the reporting of this account. 
In accordance with the Fair Credit Reporting Act ( FCRA ), TransUnion is obligated to ensure the accuracy and completeness of all information reported. FCRA 15 U.S.C. 1681e ( b ) clearly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Given that this account has already been removed from both XXXX and XXXX, TransUnion must take similar action to ensure accurate reporting across all agencies. 
Furthermore, per Metro 2 compliance standards, information reported by furnishers such as XXXX XXXX XXXX must be uniform, accurate, and timely across all credit reporting agencies. The discrepancies between TransUnion, XXXX, and XXXX reporting violate these standards. If XXXX XXXX XXXX has deleted or corrected this account with XXXX and XXXX, they are required to ensure that TransUnion is reporting the same accurate information. 
According to my TransUnion report, this collection account shows a balance of {$4200.00}, which is inconsistent with the other bureaus and does not reflect the fact that this account has been previously settled or removed. I believe this account should not be included on my TransUnion credit file, and I am formally requesting that it be deleted immediately to bring it into alignment with the accurate reporting done by XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still reporting a balance of {$130.00} owed to XXXX XXXX XXXXl. However is now owned by XXXX XXXX  XXXX and the new balance is {$0.00} as of XX/XX/2020. XXXX XXXX  XXXX has reported to all three credit bureaus of the new updated balance as well as a request to delete all tradeline associated with this account. Therefore, XXXX  and XXXX  have acted accordingly and followed all credit reporting guidelines ; but experian is still reporting inaccurate info and a balance of {$130.00}. XXXX XXXX XXXX  has tried to update the balance to {$0.00} but an error message is displayed 5 times as stated in the response to my previous dispute against XXXX XXXX XXXX  on XX/XX/2020 dispute # XXXX XXXX. 

Experian needs to delete all credit reporting tradeline associated with XXXX XXXX XXXX   and update the balance to {$0.00}. 
Experian has no right to be reporting on an account with {$0.00} balance and incorrect creditor info. 

PLEASE DELETE AND UPDATE ACCURATELY.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed Items to be blocked and deleted company information from TransUnion. 

Please delete the following Items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

State Of California lien filed in error XX/XX/2012 was released also on XX/XX/2012.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom This May Concern, accounts below need to be updated immediately for late payments. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT TYPE : Auto Loan In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent by error or anyone other then myself, I am a consumer by law and my information was misused in a data breech ( XXXX ) now I have some account and items that are not 100 % accurate on my credit report. That was unauthorized use of my credit report. I wrote a letter about false information on my credit report, and more than 60 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section XXXX ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Debt Validation Request Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to request validation of the debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any debt that you claim I owe. This is not a refusal to pay but a request for validation of this alleged debt. 
Please provide me with the following information : Proof that I owe this debt : Please provide the name and address of the original creditor and a detailed explanation of the amount owed, including the original amount, any interest, fees, or other charges added to the debt. 
Verification of your right to collect this debt : Please provide a copy of the contract or agreement that you have with the original creditor that authorizes you to collect this debt on their behalf. 
Complete payment history : Provide a complete payment history from the original creditor, including all charges and payments made on this account, so I can identify the validity of this debt. 
Proof of your license to collect in my state : Provide documentation that you are licensed to collect debts in my state and that your company complies with the relevant laws governing debt collection. 
Until I receive the requested information, I will not consider any payment towards this debt. Additionally, please cease all communication regarding this debt except for providing the information requested above.I look forward to your prompt response. 


Sincerely, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist Notice Account Number : XXXX Dear XXXX XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the above-referenced debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask you to stop contacting me, and I am exercising that right. 

Please be advised that any further communication from your company, except as required by law, will be considered a violation of the FDCPA, and I will not hesitate to pursue all available legal remedies. 

This letter is not an acknowledgment or validation of the debt, nor does it indicate a willingness to pay. I request that you provide no further contact regarding this matter, except to confirm that you are honoring this request or to notify me of any specific action you intend to take, as allowed under law. 

Thank you for your prompt attention to this matter. 

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

Your company is reporting the accounts on my credit report as a collection account. 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state.5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Noti
ce has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Product: Credit reporting or other personal consumer reports

XXXX my experience theft and reported it upon notice immediately I'm in there have been delinquent payment reportings due to the unaware of the theft. I sent the police report and any other supportive information to Avant credit card company, and they did find the fraud in my favor but refuse to remove the delinquencies associated with those fraudulent charges. I had to approach a situation and more than one occasion to remove late fees etc. But still to this day I can't get them to remove the delinquencies
Product: Checking or savings account

On XXXX XX/XX/2022 I requested a {$2000.00} withdrawal from my BECU account via the ATM at the XXXX XXXX XXXX location in XXXX. I spoke with a customer service rep to raise my daily withdrawal limit, which she authorised. 

The ATM issued money, but after arriving at the XXXXXXXX XXXX on XXXX XXXX in XXXX to deposit the funds for rent, I discovered the ATM had only issued {$1900.00}. It never crossed my mind to count it at the time, because in XXXX years of banking, I've never experienced an incident with an ATM. 

I immediately called the BECU customer service line & filed a claim ( # XXXX ). The man I spoke with said that it would take multiple business days to investigate, but that I could check with the XXXX XXXX location to see if there was anything they could do. I spoke with a different customer service rep when I arrived, but he was unable to assist me, other than tell me to wait for the investigation results. 

I received a letter in the mail that the investigation was completed & my claim was denied because the ATM was in balance. I called to dispute the denial, but was denied again. I'm concerned that that {$100.00} was instead issued to the next customer who used the ATM. Regardless, BECU shorted me {$100.00}, and is refusing to take responsibility for their ATM 's mistake.