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

accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX  XXXX  XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I tried to dispute this debt as not being mine and was opened fraudulently. The company sent me statements with an address i did not live at and said the debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me the social security number is not mine this a fraudulent account thats being reported to XXXX under my name and different social fraudulently I have reached out to XXXX as well as debtors both have not corrected this fraudulent information for account WFXXXX discount that begins or ends with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters each to Equifax and XXXX to correct and remove misspellings of my name and incorrect names reported. Ive attached my letters as well as the credit report showing what is incorrect. I have sent letters in XX/XX/2021 and XX/XX/2021, and have yet to receive any notification of an investigation.
Product: Debt collection

XXXX XXXX XXXX # XXXX****The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX .

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXXis held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Checking or savings account

I have had several accounts opened by fraudsters and it is now severely impacting my credit and attempts to rectify it have proved moot and unsuccessful. 

Bank of America had allowed my account to be compromised then subsequently reported me me to XXXX XXXX for an amount just over $ XXXXUSD. I am now unable to open an account to sufficiently build up a deposit history in order to buy a home ( which will be nearly impossible now with my credit score having sunk to under 500 because they also allowed someone to open a credit card in my name that they maxed out in under two days and I am now suffering from it ). Disputing information with this bank has proved pointless and they are proving to be vultures. 

This problems with my finances are making living everyday life hard and I am at the point where my mental health is suffering because of it. I need help!
Product: Mortgage

Ocwen Mortgage is requesting that I sign a Mortgage Amendment in order to make a payment on the website. I have a choice as to whether I want to receive a paper statement. I choose to receive a paper statement and do not feel I need to sign a Mortgage Amendment in order to make a payment online. Any type of legal document such as this should be mailed and not placed on the payment site in a small box ( see attachment ). I feel that Ocwen is acting in an illegal capacity. You basically need to get a lawyer to discovery the underlying lies that this Mortgage Amendment is covering up and what it really means if you sign it.
Product: Credit reporting or other personal consumer reports

I have several account that have shown inaccurate or unknown amounts. There are companies who have since merged and I have 2 account listed from the same company who modified their name. I asked for the old one to be merged or removed from my account with Experian but all I receive are notification that the inaccuracy dispute remains. I have been attempting to get them to have the issue resolved or a response for over a year but all I received are stall letters with no action behind it. What I have been experiencing is the same thing in which Experian is currently in litigation for. As a XXXX person attempting to buy a home that accommodates my XXXX. this has been a tremendous road block.
Product: Credit card

i filed a complaint # XXXX against capital one on XXXX/XXXX/17 re : paying XXXX, a scam artist who falsely claimed they would sell my timeshare after paying them {$2800.00} in title fees up front. They did n't sell my timeshare, as a matter of fact, once they got my credit card # they never called me again. Within capital ones dispute time frame, i sent them evidence that this outfit was a scam. In their response to my complaint they did n't acknowlege any of the facts i had backing my case, including a cease and desist order from XXXX XXXX, the attorney general of North Dakota, against premier timeshare solutions. An expose on XXXX tv identifying XXXX as crooks. An F rating on XXXX from the Better Business Burea. The fact that XXXX XXXX the owner of XXXX Is in jail now for this very crime. On top of that, the lawyer they sent after me, XXXX and XXXX backed off as soon as i sent them all this evidence. Capital one 's response to my complaint is, '' our research confirmed our actions taken on your disputed charge was correct ''. Where is your backup, your evidence showing you are correct? I HAVE EVIDENCE SHOWING I AM CORRECT, I JUST DO N'T SAY IT, ASK YOUR LAWYERS. Talk is cheap, show me your evidence. At the end of capital one 's response by XXXX XXXX, there is a phone # with her ext. # to call about my concerns. As usual when calling capital one, i was passed around to different people or on hold for 45 minutes and finished at voicemail and disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Equifax several times about issues pertaining to my credit report and my right my first attempt in XXXX then a complaint here in XXXX now again because they have yet to send me the documents I requested verification of debt how they verified the debt once mines and contracts bearing my signature. 
The following accounts raised concerns and I addressed them multiple times. 
It's been the past 30 days and I would like these accounts deleted from my credit report. 
* XXXX XXXX XXXX XXXX * XXXX XXXX * XXXX XXXX * XXXX XXXX
Product: Credit reporting or other personal consumer reports

Its a lot of inquiries and and other stuff on there that should not be there
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft DISCOVER XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX THANK YOU
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 
Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX Solution Date Opened XX/XX/XXXX Balance {$4200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$220.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$230.00} **Inquiries** XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The following information was NOT AUTHORIZED to be reporting to my consumer report! The following consumer reporting agency has fraudulently and inaccurately. posted multiple negative items on my credit report without my given consent. This is directly impairing the efficiency of the banking system and is forbidding my of my XXXX given rights These are the following accounts that need to be removed IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am writing today in regard to my credit report. I have made many contacts with this credit reporting agency over the past few years and have asked them to remove some information that I did not authorize them to place on my credit report. At current, there are inquiries that I did not make and or authorize to be on my credit report and this company refuses to remove them. XXXX bank is inaccurately reporting on my credit report and this company is the only company that refuses to remove them from my report. According to Law 15 U.S.C. 1681-1681x, I have the right to fair disputing, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information and Consumer reporting agencies may not report outdated negative information, and I must give my consent to reporting. As of date, this company has not complied with the laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, I went to XXXX XXXX XXXX dealership in XXXX to finance a car. At the time, the dealership stated that I was approved, took my down payment and allowed me to drive off of the lot. Once I reached out to the finance company the next month to make a payment, they informed me that I had not been approved. I reached back out to the dealership and they said they were not aware and would be sure to fix the mishap. In the month of XXXX, I checked my credit report and I had over 10 new hard inquiries on my credit from the dealership in which I had no knowledge of, nor did I approve of. I had specific instructions for the dealership to not run my credit anymore and let me know if they wanted me to return the car. They told me they would not have to run my credit without informing me first and once I confronted the dealership they did not provide very many solutions. When I returned the car I asked for a letter to be sent off to remove the inquiries. The dealership agreed to send the letter and gave me a copy. The letter was supposed to be sent off in XXXX and I was promised to have them removed within 3 weeks. It has now been 5 months and all inquiries are still remaining on my credit. The manager of the dealership is no longer answering my calls and refusing to reach back out.
Product: Checking or savings account

On XX/XX/2022 there was 2 fraudulent charges from txt verify for {$20.00} and {$40.00} totaling {$60.00}. I immediately contacted Chime ( XXXX Bank ) to dispute the transactions but was told to wait until the transaction posted. I informed them that the company name changed several times in my transaction history and I had screenshots of this. They denied my claim. I requested a copy of documentation that was used to show how they determined their decision but have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving letters from a collection agency called Coast professional, Inc. They have also started garnishing my income bi-weekly. I mailed them my first letter XX/XX/XXXX, requesting that they validate my account and send me the original documents of indebtedness, and in exchange I will pay the account in full. They responded by saying that the account has been validated but they failed to send me the ordinal documents as requested. I mailed my second letter XX/XX/XXXX and my third letter XX/XX/XXXX. I have yet to receive the original documents as requested.
Product: Debt collection

This electronically submitted complaint shall serve as NOTICE- I dispute the purported debt in its entirety and demand the company cease and desist all collection activity. That includes credit reporting! The company must substantiate the alleged debt in the form of an affidavit supporting their claim ; Failure to remove reportings until said evidence is provided will subject them to charges outlined in the attached fee schedule.
Product: Debt collection

This is in response to an unfamiliar listing on my credit report. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my address, but a request for VALIDATION. I respectfully request your offices provide me with competent evidence that I have any legal  obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to the credit bureaus and this action constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the  company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with a lawyer to file suit This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX/XX/XX/XXXX continues to show in dispute status, after I told them I'm no longer disputing the validity of this account ( amongst others ) for almost over a month. I've sent letters, made phone calls, and done everything humanly possible to have the dispute language removed, but to no avail.
Product: Checking or savings account

My XXXX  check written for {$4300.00} was cashed not by company I wrote it to and I tried stopping the check and XXXX put in a claim with Bank of America on XXXX and Bank of America refuses to respond
Product: Checking or savings account

My wife and I have been long time Capital One customers. We have credit cards and she holds the savings account with Capital One. She recently checked the interest rate on the savings account and noticed that the rate was still at 0.30 % no where in line with the current market rates for savings accounts. When she called to ask how come the rate didn't increase with the market she was told that Capital One no longer offers the " savings '' account but instead has a XXXX XXXX XXXX account that we would need to upgrade to in order to get the new rate. I have been in community banking for over XXXX years and I believe this to be a deceptive trade practice. There's XXXX industry or regulatory reason that Capital One would need to establish a new savings product and instead is just a way for them to avoid increasing the rates for existing customers. Therefore all of their existing customers with regular savings accounts are getting drastically below market rates of interest unless they call in to switch. This is just not right and consistent with a company that should be acting in the best interest of their customers. You shouldn't be allowed to just create a new account product just to avoid paying increased interest rates to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous of letters to equifax also Ive called equifax several times they have the wrong address on my credit profile & it needs to be removed and updated immediately before someone steals my identity. My correct address is XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I want these inquiries deleted because I did not authorize these companies to run my credit this fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up complaint to tell you to remove or block these erroneous items : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$24000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9800.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$670.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} ; SXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The listed items are erroneously placed in my file and I believe they are sorely mistaken
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2019 ..I been fight with this company call Nicholas financial about these late dates they are reporting on my credit reports after return the car into them and they are just keep reporting wrong info Evey month on all 3 credit bureaus k check my credit this morning my score drop 23 points because of them XXXX it's says charge off XXXX  it says repo XXXX  it says repo so it's not reporting right and I want them to remove it from all 3 credit bureaus asap they messing my whole life up with this ...
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I have discovered a fraudulent collection account which is not mine, the account in question is XXXX XXXX XXXX, this account was opened on XX/XX/year>. Also the address XXXX XXXX XXXX, XXXX XXXX, IL XXXX is fraudulent, I have never lived at this address.
Product: Credit reporting or other personal consumer reports

Wrong information wrong social security number. Invalid information dealing with collections on my report. Please fix this issue.