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

I recently submitted a complaint regarding all open inquires below mentioned. Your response is below. please provide a description of the investigation you completed that made these accounts factual. 


XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX XXXX  XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. XXXXXXXX XXXX XXXX XXXX  INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURESXXXX XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS. SHOULD YOU HAVE REASON TO BELIEVE THIS INQUIRY WAS UNAUTHORIZ PLEASE CONTACT THE CREDITOR DIRECTLY AND FOLLOW THEIR INTERNAL FRAUD PROCEDURES. NON REPORTING DISPUTES XXXX XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

capital one account ending XXXX capital on is in violation of the frca 1666b timing of payment they never sent me a letter 21 days before late date ,1681s-2 knowingly reporting information saying I am late but I have proof that I was never late, they gave me a credit for XXXX dollars because my bill was never late I have uploaded the proof and highlighted the proof
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Checking or savings account

I received an email from Bank of America that I had applied for a checking account and it was opened. The account was opened with a profile that I last had an account in XXXX with Bank of America. They did not disable the profile even though I had no service with them. They opened this account with an address I lived in near XXXX, an address and state I have not lived in since XXXX of XXXX and they sent a card to that address. I called the fraud department and got claim # XXXX, I froze my credit bureau reports and BOA told me they would close the account in 10 days. It is now XX/XX/XXXX and I got an email saying I needed to put money in my account. I did not open this, I am sure BOA is opening fake accounts like they were before leaving me vulnerable to financial issues if someone gets the card. The opened account added another phone number XXXX, which I found the address for in XXXX, Massachusetts. How can they be allowed to get away with this and can I file a lawsuit for this?
Product: Debt collection

I have filed multiple complaints against Capital One and XXXX XXXX reporting services and disputed the information that constantly being sent by capital one and XXXX continues to report false information to the credit bureau and negatively impacted my credit score after I submitted all information verification that I never opened this account and the account was opened fraudulently the account had a opening amount of {$100.00} and the account was charged {$1000.00} and immediately closed due to fraudulent activity I have been harassed threatened and after I requested the information pertaining to this account I was denied because the account was opened online using my social security number and birthday with no proof
Product: Student loan

I check my consumer reports regularly and upon doing so I noticed that XXXX isn't reporting my two oldest primary tradelines which are my federal student loans. After contacting XXXX I was told that they've never had any knowledge or records of my student loans and there isn't anything they could do as far as updating my consumer report. However they recommended that I contact the original creditor of my student loans ( Aidvantage ). Upon speaking with a customer service representative at Aidvantage I was informed that they report y student loans to each of the the 3 major credit bureaus XXXX, XXXX, XXXX, and XXXX as well. I then requested that they send a letter of insertion to XXXX to ensure that they'll begin to report and they have yet to report anything of my student loans which again are my two oldest primary tradelines. With XXXX failing to report my positive information regarding my student loans this hinders my credit worthiness and is a clear FCRA violation due to misleading data being an error. I've also attached my XX/XX/XXXX consumer report from XXXX showing my student loans reporting and my XX/XX/XXXX consumer report from XXXX that's not showing my student loans reporting.
Product: Credit reporting or other personal consumer reports

Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to The Fair Credit Act
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account XXXX XXXX Account Number : XXXX Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unresolved investigation : I have n't heard from Equifax! 

Equifax reported a tax lien on my credit report that has been vacated by the State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX. 

I provided a copy and Order to Equifax and they have not complied with the order and they have n't removed the Tax Lien, although I provided them the supporting document. 

After receiving supporting documents XXXX and XXXX has removed the Tax lien  from my credit reports as appropriate. 

I am asking that Equifax remove the Tax Lien from my credit report immediately as has been ordered State of MD Comptroller and the Circuit Court of XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest recovery has placed a collection on my credit report from a payday loan that is fraudulent. This is the second time I have gone through this with Midwest recovery systems. Last year they tried to add false information and dates in order to scam me for the exact same thing. After I complained to the XXXX  they were removed from my credit reports. They have now reported false information again, I never received any bill or itemized description of the debt whatsoever. Nor have I received any calls or emails regarding the collection. They placed this on my credit report with hopes that I would just pay it to avoid the hassle. It is a 100 % scam. It caused my score to drop 65+ points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, WFHM, XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  with no successful resolution. XXXX  and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Debt collection

I am in need of help because I am being harassed by debt collector who is repeatedly calling me after I told them it was an inconvenient time to call me... 

But they didn't stop here I have screenshots of them calling at the same time day after making me fell uncomfortable.

I looked up this law 15 USC Which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that convenient time for communication with a consumer is after XXXX XXXX  antemeridian and before XXXX XXXX postmeridian, Local time at the consumer 's location ; ) Which means that if I told them that it is not a good time they should know that the time they called me was inconvenient they also violated me again under the FDCPA
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act 15 USC 1681 section 602 specifically states that consumer reporting agencies must uphold fairness, impartiality, and the consumers right to privacy when dealing with personal information. Both XXXX and XXXX are consumer reporting agencies, and as the consumer, I have the right to control how my private information is handled. According to 15 USC 6801, financial institutions must protect the privacy of their customers. In this case, you do not have my written consent to share or report my information. Under 15 USC 1681 section 604, any furnishing of my consumer report must be done with my written instructions, which you do not possess. Furthermore, I revoke any implied or previous consent immediately. Under 15 USC 6802, I should have been given the option to opt out of sharing, which was not communicated to me. Lastly, according to 15 USC 1681C, reporting adverse items older than seven years is illegal. You have violated multiple sections of federal law by reporting this account, and I expect this account to be removed from my report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take the other address off my credit report they dont belong to me the only address that should be on my file is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a user on Cashapp {$200.00} for an item that she was supposed to ship to me. We agreed that I would pay half first and the rest when received the item. The username on that persons Cashapp was $ XXXX and the name she had given me was XXXX. I got an email saying XXXX had accepted the money, so I send her a text asking about the shipment of the item, to which I soon find out that she never intended to ship anything. I try reaching out to her asking for my money back since she did not or can not ship the item and she tells me she will send the money back soon. I wait a couple of hours and try reaching back out to her asking if she's had the chance to send my money back and I get no response. I go to the app Cashapp and ask for a refund from her through there, but she declined the request. I try sending her a text again asking what happened, why she hasn't sent me my money back, but again, no response. I reached out to Cashapp, explaining what happened and to see if I could do anything to get my money back, but they replied back to me saying there was really nothing they could do. On my XXXX  XXXX XXXX XXXX the transaction was still pending, so I also tried reaching out to my bank. When I called my bank they told me I had to wait for the transaction to be finalized before I could do anything about it. Once the transaction was completed, I call my bank again, and explain the situation to whoever I was on the phone with from customer support. Sadly, my bank also said there was nothing they could do. I had contacted both Cashapp and XXXX XXXX XXXX, and was told neither of them could do anything. I started researching if there was another way to get my money back. As I was doing so, I noticed on my Cashapp account that the card that is saved on the app is one of my old bank cards that should not be working anymore. I tried sending a family member a smaller amount of money to see if it would go through and it didn't. Cashapp asked me to update my card information before continuing. So now my problem is why Cashapp didn't ask me to update my card information when I was sending a much bigger amount, {$200.00}, to be exact.
Product: Debt collection

I recently pulled my Credit Report from all three of the credit reporting agencies ( XXXX XXXX XXXX XXXX ) a have noticed a collection from ERC that was placed on my report on X/XX/2017. It states that they are collecting for a XXXX account in the amount of {$1200.00}. I have never had an account with XXXX and I also have never had anything with ERC either. I have never had an account with this company I have never spoken to this company and I do not have a contract with this company. This is an incorrect debt and false debt that ERC placed on my report. I filed a compliant with the Better Business Bureau and ERC sent an email to email address that was on the compliant asking me to enter personal information to see the message. I did not. They also sent in the mail what looks to be an old phone bill with my personal information on it. They have yet to provide me with a signed contract with my signature. They are asking me to fill out a fraud form with XXXX. I will not do anything with this company because they have yet to provide me the documents that say i owe this debt. This account has been disputed and ERC refuses to remove from my credit reports. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must delete.
Product: Credit reporting or other personal consumer reports

For the past six months i have written to all three bureaus asking them to review the inaccuracy on my report one company under two different names they are allowing to report on my credit profile information thats not accurate XXXX and XXXX are the same company the Bureau is allowing them to report debt that isnt mines They allow them to report on my acct when i have never entered into any contract and they allow them to report the same date twice all the company did was change the amount of debt they also allowed them access to my credit file when i have a do not share on file i have security alerts on file XXXX been compromised several times by hackers i asked all XXXX bureaus to send me documentation showing what they received that allowed them to allow this behavior and i have told them that i dont have no payments due to these companies Im not late because i have no open accts with these people they reporting so many things wrong open acct, late payments and i have never made a payment or signed any contracts but they do nothing leave on my credit
Product: Credit reporting or other personal consumer reports

I have been fighting back and forth with the three major credit bureaus XXXX XXXX  and Tranunion as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not sent in error i am a consumer by law and my information was misused and now i have an account that is reporting making my report not 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unknown person opened a credit card under my name with the company XXXX XXXX. This was not me who signed up for this card. They spent over the limit on the card. It was opened in XXXX and I figured it out by looking at my credit report with a new inquiry. This significantly dropped my credit score. I called XXXX XXXX and theyre opening an investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated.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 these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX Balance Owed : {$830.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$860.00} ; XXXX XXXX XXXX Balance Owed : {$9000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ;