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

Re : XXXX Procedures I recently requested a dispute with your agency, and you did not fix the errors regarding inaccurate accounts in my credit report. The status of these accounts is incorrect. Transunion and XXXX are reporting these accounts as current with no derogatory information yet you XXXX are. You can not report an account as a charge off and current at the same time thats like being charged for 1 crime two times. I demand you update these accounts to current or delete them until you correct them, please. I have documentation that prove my dispute. Currently, I ask that you remove these accounts. If you dont remove these accounts, I have no choice but to file litigation and you will be required to compensate me for damaging my reputation and refusing to remove an inaccurate account that you failed to complete a reasonable investigation into. I would appreciate it if this matter could be solved now. 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
Thank you for your time and help in this matter
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XX/XX/XXXX ). This CFPB complaint has been filed to request pursuant to FCRA 605C ( 15 U.S.C. 1681 c-2 ) that you the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days you receiving this complaint. This fraudulent, inaccurate, and false information consists of an automobile account opened at XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) This account has resulted in several fraudulent hard inquiries and fraudulent collections that is " written off '' meaning paid with a 1099 C and company did not provide any documentation to consumer. Every month fraudulent company is reporting on consumer report which is illegal and has no permissible purpose. Fraudulent collection ( s ) appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i want to dispute all of this debt. I canceled my gym membership a while back and now im getting a letter that a owe them money when i was never noticed of this. The letter claims XXXX fitness retained a law firm called Aldous & Associates to collect the total amount as a result of my defaulted contract with the company. which makes no sense to me because you cancel my membership months ago and now im receiving this letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with XXXX XXXX XXXX XXXX XXXX. My XX/XX/XXXX payment is showing as 30+ days past due and is negatively impacting all 3 credit bureaus. I've had loans deny and my credit card limits are being decreased because they randomly " soft pull my credit score ''. I've disputed the transactions numerous of times and directly talked to XXXX XXXX XXXX. XXXX XXXX is informing me that they are notifying all credit bureaus that my XX/XX/XXXX payment is current and was not 30 days past due. However, when I talked to all 3 credit reporting agencies, they tell me when the send the dispute for XX/XX/XXXX, XXXX XXXX is saying I was 30+ days late and they will not update my credit report. I have worked extremely hard to repair my credit and I feel I'm being treated unfairly. I don't know who's marking the XX/XX/XXXX  payment as late but I'm sending my receipts as proof. Each time the submission was sent to the credit bureaus, I included a copy of my receipt but they told me they can't take my word and can only rely on what the lender is sending. 

I even told XXXX XXXX that credit bureau is saying they are marking XX/XX/XXXX was current but when the send the tape, it's showing late for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already reached out once to XXXX  & Equifax about the 2 following accounts : 1. XXXX XXXX XXXX - {$450.00}. This account do not belong to me. 

2.XXXX XXXX XXXX- {$12000.00} account does not belong to me. 
they response debts were verified - well according to the : Fair Debt Collection Practices Act -Section 809. Validation of debts : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account ( s ) listed  above. 

Under the FCRA, unverified, invalid accounts must be removed.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company XXXX XXXXMIDLAND CREDIT MANAXXXX XXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. )
Product: Bank account or service

I would like to dispute US Bank credit report and bill of XXXX that has named me solely responsible for a joint checking account my husband and I had while we were still together and married. I am not denying there was a sum of XXXX $ withdrawn from our account that BOTH of our names were currently on at the time. I tried to resolve this problem with my local institution by meeting with my bank rep in person and speaking with her several times on the phone. I tried multiple times to inform my bank that I was in a desperate and financially destitute time in my life, my husband had left the home, leaving me with all the unpaid bills up to 3 months behind on our electric. No food in the cabinets except ramen noodles to keep my XXXX son from starving to death. My rent is and was XXXX $ per month. not including water and garbage. I have no car since my husband had that repossessed as well. I am over XXXX years old and having to ride a XXXX bicycle to work in XXXX degree weather in XXXX. I had no financial support from my husband for child support or anything. I truly wanted to fix this problem and maintain my bank account. Instead. US Bank closed my account immediatedly when I was the only XXXX with direct deposit going in it since day one.. I am not denying that there was a XXXX $ withdrawl from our JOINT checking account. the total amount shown on my credit report is {$830.00} ... Now here is my issue.. If we had joint account together.. Why in the XXXX were .. or ARE they ONLY after my XXXX ... My husband 's name was on that account too. Yet, no where on his credit report has US Bank listed his Name for ACCOUNT ABUSE. & gt ; & gt ; & gt ; I am very offended that I have been singled out and been turned down now TWICE by XXXX bank to acquire a NORMAL checking and saving account. I have only been allowed a FREAKING DEBT card which is just about worthless except to pay bills with and shop. Yet my husband went down to the same XXXX branch that I bank at and got himself another PERSONAL CHECKING ACCOUNT with NO problems whatsoever. They freely handed him a XXXX card. I have busted my XXXX to try and fix all the XXXX and financial disasters that I have been left behind with to sort out and fix as best as I possibly can. I only want to try and rebuild my credit, establish a personal checking account with DIRECT DEPOSIT that I have had going into my XXXX liquid card for over 3 years now and getting NO good credit established this way.. Can someone please help me. I can only do and pay for so much being a single parent. Thank you so much for your time ... XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the company about my current situation I have been trying to get to investigate this matter but I guess I should now ask for the help of the authorities to get the matter resolved. Now Please remove the negative items while the FTC are doing the investigation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX : {$410.00} XXXX XXXXXXXX Balance : {$670.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX  XXXX  XXXX XXXX Balance : {$100.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card

In 2020, Chase approved me for a {$5000.00} XXXX XXXX card with a XXXX credit score, which I believe was predatory given the 20.24 % APR and {$95.00} annual fee. Ive paid ~ $ XXXX in interest plus late fees for 5 yearsover {$5000.00} totaland my balance remains high. Minimum payments barely touch principal, and terms werent clearly explained. This feels like a violation of fair lending practices under the Consumer Financial Protection Act.
Product: Debt collection

per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal per 15 USC 6802 Obligations with respect to disclosures of personal information, 313.7 Form of opt out notice to consumers ; opt out methods, with said company " XXXX XXXX XXXX '' Further this is now a " Charge-Off '' considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate & the selling of my information to third parties is unlawful ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF 1974
Product: Mortgage

I've been paying extra principal on my mortgage for last few years. I never had a problem with that, I've called mortgage company and explained that any money above the monthly payment need to be applied to principal. Last few months they started to split my payment and started to apply for extra monthly payment. I've called them and explained that I don't want to do extra monthly payment and that everything should be applied to principal, but they don't want to quit. I've just received monthly statement and they did it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am never late missing a payment to GM Financial on my car loan. I set up Auto Pay when I first got the loan. I have been on Auto Pay ever since and have never had to worry about my car payment. The bank account that I use, I use solely for bills. I have money direct deposited in, and then auto pay kicks in for my bills to pay each time every month. I have never missed a payment. I don't check my bank account very often, since it is a working flow of payments. I decided to check my bank account one day, and realized that my car payment had not been taken out of the account for the past few months. Worried and concerned, I quickly logged into my GM Financial account and saw that the Auto Pay had been turned off automatically. I never gave GM Financial permission to turn off the Auto Pay feature. I was not notified that the Auto Pay feature had been turned off, and was not aware that my bill was overdue. I did not receive a letter in the mail, or a phone call to notify me that my statement was overdue. I had no idea that I was behind on my monthly payments. As soon as I discovered this myself, I paid the full overdue balance and re-enrolled myself on the Auto Refill Program. 

Fast forward, and I found out that my credit score dropped XXXX points, and my father 's credit score ( who cosigned on the loan ), dropped XXXX points! We were extremely upset that this was all due to the Auto Pay being turned off without knowing, and the missed payment on the account. 

I called GM Financial and they told me there was nothing they could do about it. They said I was notified via email from " XXXX XXXX '' that the Auto Pay was shut off. I checked my email inbox, spam and junk folders, and I never received an email from XXXX XXXX. They told me that I turned off the Auto Pay on XX/XX/2020 and that a confirmation email was sent to me. I never turned off the Auto Pay and never received any emails from XXXX XXXX to notify me that Auto Pay was turned off. Of course, I told them I was extremely upset, because if I knew I turned off Auto Pay, I would have paid my bill right then. 

They told me that there was nothing I can do to dispute the derogatory mark on my credit report, due to me not paying my bill on time. I am extremely upset because I have never missed a payment in my life, and now my credit score and my father 's credit score have been extremely impacted, since GM Financial did not communicate with me that the Auto Pay was turned off. This will affect our credit scores for years to come, and impact our interest rates if we ever want to buy a home or a car.
Product: Debt collection

This account was never mine Ive disputed this for 8 years and they sell my information to another devotee that opens a new account in my credit
Product: Checking or savings account

I used my ATM card on XX/XX/XXXX to fill up my car. I was in a road trip to XXXX. Since I was out of the usual area in which I normally use the card, the transaction was denied. I called the bank on XX/XX/XXXX to resolve the situation. 
According to their policy, they told me that I should have received a voicemail with a code in it. Without that code, I could not clear the account. I did not receive said voicemail. I asked for another way to verify my identity and they said that they could call me on the cell phone registered in the account. I authorized the call and they could not reach my cell phone as well. I made four attempts on that day to solve the situation. At this point, account was frozen by their fraud department. 
On XX/XX/XXXX, I called again and they told me that they would send me a letter with another code to verify my identity, since they could not reach me on my cell phone. That letter would take 7 business days to arrive. Today is XX/XX/XXXX, and I did not receive the letter yet. 
In the meantime, I do not have access to my funds and can not pay my bills with my own account having to rely on my wife 's account to transact any money. They are the only institution that can not reach my cell phone.
Product: Credit card or prepaid card

I have a dispute on a charge. They are asking me to fax or XXXX mail in related documents. This seems like an unreasonable obstacle in our world today. I haven't used or even seen a fax in years. I don't mail anything very often, especially nearing $ XXXX. This seems like Cap One is just making it difficult on purpose, to avoid dealing with disputes. 

Moreover, the purchase I made was online. So, instead of just forwarding them an email, I have to print it out ( printers are pretty outdated and certainly environmentally wrong ) and take it somewhere, I don't know where, to fax it. This is crazy anytime, especially during a pandemic, when it could so much more easily be done in the home without any paper by emailing or uploading. Other credit cards company do it. I called and they offer no explanation, it's just a Cap One policy.
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.In accordance with the Fair Credit Reporting act.

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 XXXX XXXX  XXXX  Accounting # XXXX National Credit Adjusters Collections Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX  Account # XXXX 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.
Product: Credit reporting or other personal consumer reports

In line with 15 USC 1681c-2, I demand the removal of unauthorized hard inquiries from my credit report, as they impact my credit unfairly.
Product: Credit card or prepaid card

I received a letter from US Bank ReliaCard about important disclosures on XX/XX/2020. 

The Program Name is Pennsylvania Unemployment Compensation regarding a Pre-Acquisition Disclosure. 

I have never received funds nor applied for PA Unemployment in my life. 

I am concerned that possibly someone used my name to apply without my knowledge. 

How the US Bank National Association got my name and address is beyond me. 

My concern is that if such a prepaid card is not used for 420 consecutive days, they charge a monthly {$2.00} fee. Since I don't have such a card, and I don't receive unemployment payments from PA, I want to make sure that I do not receive a bill/statement indicating that I owe these charges.
Product: Credit reporting or other personal consumer reports

I found that there are some unauthorized inquiries on my transunion credit report. The inquiry is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize these inquiries. I did file a XXXX report and the reference number is XXXX XXXX
Product: Debt collection

The claimed debt is in my husbands name. They told me they can call any number that is " attached '' to a search they did on him. When I told them that his credit report shows nothing about an unpaid debt, they said that was because a group of atty 's bought it. I told her she was a scam and hung up. She called me right back, laughing and saying they would continue to call me and that because of my rudeness they would be immediately filing court papers. My husband has asked them numerous times for documentation on the supposed debt. He has a credit rating of almost XXXX.
Product: Checking or savings account

I was in the hospital with a XXXX in XXXX. I did not double check the account to verify my Social Security check was posted. I wrote several checks and used my debit card. Most every thing was returned NSF. I did not know why. I closed that account on XX/XX/year>. Transferred any remaining funds to a new account. 

Called XXXX office in XXXX, XXXX  to change my old number to the new account. They would not help. Found out from BOA they have a form letter that could be sent to SSA or delivered in person. Delivered the letter in person to SSA XXXX. Was told BOA had the XXXX deposit in suspense. BOA said no, they never received it. My XXXX deposit was also now missing. 

Contacted XXXX XXXX { Texas XXXX XXXX } office in DC. Was given wonderful assistance from XXXX, XXXX Services XXXX. XXXX worked with SSA to gather information about my missing deposits & work with SSA to secure agreement with SSA that the missing electronic deposits would promptly be sent to my new checking account. XXXX has the account number & routing number where XXXX & XXXX deposits were actually credited. It is the BOA in The XXXXXXXX XXXX Which is also where I do business. 

Please help me find out how and who did this. I would like to make a complaint to Law Enforcement. Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive reviewed a copy of my credit report and noticed a fraudulent account on my report. please remove this account from my report as its holding me back from obtaining a good credit. thank you Account name - XXXX XXXX XXXX Account number - XXXX