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

On XX/XX/XXXX I sent Experian a letter regarding inaccurate and unknown things on my report. On XX/XX/XXXX I received a letter from experian saying that this item was " updated ''. This account does not belong to me and its impossible for it to belong to me. I live in an apartment building where my utilities are included monthly. I haven't had an account for this utility in years and I have lived in this apartment since XX/XX/XXXX. I know that a full and complete investigation takes 30 days. Being that I received a response within a week tells me that the investigation was not conducted. I feel like I am being taken advantage of and that my disputes are not being taken seriously. Again, this account is not mine. Please remove this account from my credit report or I will seek litigation for the damage being caused by this account and the stress that it is causing.
Product: Debt collection

I have repeatedly requested that Ad Astra Recovery Services Inc. provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
Product: Checking or savings account

so I had XXXX XXXX account after used for while ive seen that company is complete fraud they delay withdrawals also dont know how to send payment so I close my account remain funds XXXX dollars I send to client but because XXXX send funds to client week after deadline client reject the transfer and his bank XXXX XXXX returned back to XXXX the transfer on XXXX XXXX months after that scammers claim money still not back I have solid proof By XXXX Police in XXXX collaborate with Client bank XXXX that money was sent back on XXXX XXXX and credited to XXXX XXXX XXXX XXXX XXXX XXXXXXXX of XXXX.so multiple request they still said cant find the money I ll attach so solid evidence by police by bank I gave them XXXX track swift also confirmed money is credited back to XXXX, so also I m not only XXXX in that situation a lot clients their its same. situation so DONT TRY TO FORWARD ME TO OTHER AGENCY BECAUSE I LL REPORT YOU ALSO FOR LAZY WORK THIS COMPANY IS FRAUD AND THEY CLAIM ITS UNDER US REGULATION
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my XXXX credit report. 

15 U.S.C. 1681e ( b ) Accuracy of Report Credit reporting shall follow maximum accuracy. 

While comparing my XXXX and TransUnion credit reports, I discovered a discrepancy regarding the date of last payment. 
XXXX XXXX Specifically, on my XXXX report, the date of last payment is listed as XX/XX/year> while on my TransUnion report, the date is listed as XX/XX/year>. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my XXXX and TransUnion reports for reference, discrepancies your duty pursuant 15 USC 1681.

15 USC 1681 ( A.5 ) says reinvestigations... all of the unverified information must promptly removed your system that this account was previously disputed. Pursuant to 15 U.S.C. 1681s-2 ( e ) ( 7 ), I request that you provide me with a description of the procedures used to verify the accuracy of the disputed information, including the names and addresses of any third parties involved in this verification process.

I expect your response to this request within 15 days of receiving this letter, as stipulated in 15 U.S.C. 1681s-2 ( e ). Your timely and detailed response will help me better understand the steps taken to verify the disputed information.
Product: Credit card or prepaid card

Emails received by companies telling me about credit card application attempted that I never made : XXXX XXXX XXXX Card Called Capital One questioning about the credit card application that I never made. 

XXXX baking account being linked to XXXX and XXXX XXXX account, that I never requested.
Product: Credit card or prepaid card

Received an American Express Gift Card for the amount of {$2000.00}. Began use of card XX/XX/2020, without difficulty ( checking balance each day ). On the morning of XX/XX/XXXX, the card balance was {$850.00}. When I went to use the card later on XX/XX/XXXX, there was only a balance of {$0.00}, ( no purchases made in that time frame ). Called American Express immediately, and was told there was nothing that could be done, since the terms and conditions of the gift card are that there will be no dispute for transactions. When I inquired of where the transaction was made, I was informed of an address of XXXX XXXX XXXX, XXXX XXXX, XXXX. When I researched XXXX, it is in the XXXX XXXX! I was also informed that the transaction was pending. I requested for the transaction be cancelled due to a fraudulent activity. I was told they could not do that. I was informed that I would need to contact the person that made the transaction, and ask for my money back??!! Ironically, I checked American Express Gift Card Customer reviews, and on XX/XX/2020, there was an identical occurence of a {$100.00} gift card, with a fraudulent transaction tracked back to the XXXX XXXX. Also, in the terms and conditions of the American Express Gift Card,  it states that the transactions can only be made in the United States, which this transaction was not. 
Having returned from my vacation, I called American Express Gift Card Customer Service, asking in each conversation to be connected to a higher level supervisor, and alternatively, called American Express Credit Card customer service, for assistance. I was immediately referred backed to the American Express Gift Card. I have spent hours on the phone only to be connected to XXXX XXXX Customer Service representatives, with the same response, " I am sorry, but I can not help you ''. 
This was a tremendous hardship for me, as these funds were dedicated to a vacation, that had be compromised, and funded by a credit card.
Product: Credit reporting 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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing in regards to an account that was opened up without my knowledge through XXXX XXXX and has been reported to collections to all three credit bureaus. The account was sent to collections on XXXX XXXX, XXXX for the amount of {$490.00} through XXXX XXXX XXXX XXXX and I was unaware of its existence until applying for an auto loan in XXXX of XXXX. Since discovering the account being reported to the credit bureaus, I have contacted XXXX on several occasions trying to get further information but they have been unable to provide me any details beyond the name and address on the account. I was informed that the account in question was opened at a satellite or authorized retailer location and they were unable to access any further details regarding the account, so I have not been provided proof that I had opened an account with XXXX. The address provided for the account is not a location I ever resided but at the time the account was opened, I was living with a friend in the area and believe that someone gained access to my personal information without my knowledge and used it to open the account. I have requested XXXX XXXX remove the account from my name and to send information to the three credit bureaus to completely remove the account from my credit history, but they have refused any action without proof that I did not open the account. 

I have disputed with the credit bureaus but all disputes have been denied because the account meets FCRA requirements. This account being reported to collections to my credit is preventing me from purchasing a home and has hindered my ability to gain employment in several financial institutions to which I have applied. I would like this to be reviewed and to ensure that it does not have any future implications. I would like proof of ownership supplied by XXXX as soon as possible and, if it can not be provided, the account be removed from collections and from the XXXX accounts database so I do not have to fear any future collections actions on the account.
Product: Credit reporting or other personal consumer reports

The company is trying to say that I lived in an apartment named the XXXX. I have never lived in an apartment by that name. I need it removed off of my credit report. It is preventing me getting housing. Im currently living with family and I need my own home. The company name appears as RentDebt Col in the amount of {$5700.00}. The account number is being reported as XXXX. It doesnt belong to me. Im not familiar with the name of that apartment complex AT ALL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No Respond I Have No Account XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX XXXX  XX/XX/XXXX No Respond I Have No Account XXXX  XXXX XX/XX/XXXX No Respond I Have No Account XXXX No Respond I Have No Account Capital XXXX XX/XX/XXXX No Respond I Have No Account XXXX XX/XX/XXXX No Respond I Have No Account BRCLYSBANKDE XX/XX/XXXX No Respond I Have No Account
Product: Credit reporting or other personal consumer reports

I have a credit inquiry on my XXXX credit report from XXXX XXXX XXXX XXXX. Upon contacting XXXX XXXX XXXX XXXX, they said that Gravity Lending put the inquiry on my credit report. I need this inquiry removed.
Product: Debt collection

I received a voicemail stating that they are going to sue me if I do not contact their office and they will send a XXXX to my place of employment. When I contacted them they had all of my personal information but the wrong address. Their website is not valid and when I called the number the person did not answer with the companies name and their mailing address belongs to a XXXX store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft. And I have tried multiple times to change the address on my credit profile. I never lived at the address thats attached to my experian profile. I tried reaching out to them since 2017 but did not get an answer
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXXXXXX  # : XXXX XXXX XXXX  XXXX XXXX : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

letter is attached in file violation of 15 usc 6809 Section 4 Title 18 usc Section 242
Product: Credit reporting or other personal consumer reports

Capital 1 auto The Account opened XX/XX/XXXX Original debt XXXX Capital- charged off debt Product was deemed a total loss XXXX XXXX  coverage paid Capital 1 value of car Capital 1 worked closely with the payer insurance company and reported negative on my account to credit After Capital 1 accepted the total -loss insurance payment and they never reported amount to all 3 credit agency I filed a disputed XX/XX/XXXX because Capital 1 wasn't reporting inaccurately and improperly handling my account information The only resolution was to remove however, company chose to update debt from {$35000.00} to {$3800.00} I recontacted Capital 1 to reach a settlement because paying vehical early made me not subject to interest rates which would've occured throughout 5 year term We agreed on a XXXX $ payment arrangement until gap insurance check was received. 
Capital 1 was offerering settlement of XXXX dollars I negotiated XXXX $ would settle debt. 
Gap insurance set XXXX $ Instead of removing negative inquries and reporting payments Capital 1 charged off account. This should read paid.This account was mishandled I want this account removed not updated. 
This is in violation of accordance 15 us code and 1681s2. All information reported has not been correct.Information being reported to credit agency aren't reporting same information to XXXX, experian, and XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX credit card XXXX Card maxes out at XXXX Reports highest limit as XXXX Account was as opened in XXXX Account suffered fruad/ theft activity and underwent investigation They shared my information with XXXX XXXX that the account was potientally negative I contacted XXXX XXXXl because payment should've been received by institution.They notated my account and updated inaccurate information report to credit institution. I want the account removed.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report, that were made withou my consent. According to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1b ), there are specific permissible purpose for obtaining a credit report, I did not authorize these account and can not f any permissible purpose under this section that justifies their presence on my report. PLEASE DELETE ACCOUNT XXXXXXXX XXXX XXXXXXXX NUMBER XXXX
Product: Checking or savings account

Back in XXXX of 2021 I contacted Wells Fargo my bank to make a report of money being taken from myself that should not have been taken. I am the victim of a rent scam. I paid out just under {$3000.00}. I have been fighting the denials in this case for almost a year now. I specifically used XXXX through my banking app so that if anything was to ever happen I had the paper trail to back up anything I have done money wise. I am being declined on many occasions of fighting this. At this time I have provided police reports and all information they have needed to prove I was lied to, robbed, deceived, and taken advantage of. I am completely unhappy with how this bank as taken this situation. They do not back up there customers. They should not be allowed to partner with third parties if they are not going to protect their clients.
Product: Debt collection

Previously an " alleged debt '' was trying to be collected for from multiple collection agencies to which I communicated with all via certified mail and request that they provide accurate and appropriate documentation to verify proof of alleged debt to which they could not-Every time I sent out certified letter I sent the previous copies of certified letters as well from the prior collection agency to whom the current collection bought the alleged debt and the collection agency would respond with an apology and removal of this from their system as well as my credit file as they were inaccurate in what they were doing-Jefferson Capital Systems not only is trying to collect for an " alleged debt '', but they have falsely reported this on my 3 credit reports known as " Silent '' treatment, and " Re-Aged the Alleged Debt '' for 2015-Jefferson Capital Systems is required by FCRA to report ACCURATE information concerning consumer credit files
Product: Vehicle loan or lease

Santander Account has been reporting a Charge-Off status to XXXX XXXX and XXXX  credit bureaus EVERY MONTH on my Credit Report. The Account Status is inaccurate reporting and it is damaging my ability to get employment and housing. Santander continues to validate the Account status
Product: Prepaid card

I have received XXXX different egift cards from AMEX from work over the past year. The first XXXX worked and I was able to use it to buy things on XXXX. The XXXX others are not working on any site. Upon calling customer service they said to continue to try different vendors and that it will eventually work. Never worked and over XXXX dollars is sitting between XXXX cards rendered useless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX and is reporting fraudulent account and misleading tradelines I have know knowledge of an obligation to them. 

Pursuant to 15 USC 1692a ( 3 ) as a consumer I am not obligated nor responsible to pay you this NOTICE is to inform you that I refuse to pay the alleged debt that you are attempting to collect in the amount of {$1400.00}. You are now on notice to cease and desist all communication. attempting to collect on this account is racketeering activity according to 18 U.S.C 1961 ( 1 ), also your conduct is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. You are also in violation of 15 U.S. Code 1692f for putting your logo on the letter sent to me. I am aware of XXXX XXXX XXXX/ Employees using material misrepresentation for their financial gain which is in fact fraud. I am also aware that my SSN Number belongs to the social security Administration and anything purchased with that identifying number is an obligation of the UNITED STATES in accordance with 18 USC 8 and being that XXXX XXXX XXXX XXXX/agents is attempting to collect an alleged debt from me the consumer makes you guilty and in violation of the False clam act XXXX use XXXX - XXXX. I am invoking my specify remedy as a consumer pursuant 15 USC 1692c ( C ) and I am demanding you do the following..

Cease communication from me and from all mediums Within 5 days Provide Validation of Debt pursuant to 15 U.S.C 1692g Notarized Ledger from accountant with firsthand knowledge.

Four Flow Agreement.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX ( account number XXXX ).
Product: Checking or savings account

I wanted to return an item to XXXX, So I went online to get a contact through there website and I went to a wrong XXXX website that was looking identical not knowing it was a wrong site. I called the number I got from this website and the individual gave me a badge number and told me he was going to help. He told me to download an app called XXXX which did and they told me to open my bank account as that will be the easiest way to help resolve the issue I was experiencing with me XXXX account. I did and they told me to punch in some numbers that it is just a code that they are not taking my money. After getting off the phone with them I called my bank right away to notify them and the return part of the money which was {$1900.00} and they refuse to refund me the balance of {$490.00}. Which was part of the code they told me to enter not knowing they were stealing my money. 

Please help with resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names 1. XXXX XXXX Account number : XXXX 2. XXXX Account number : XXXX 3. XXXX XXXX XXXX Account number : XXXX 4. XXXX XXXX Account number : XXXX 5. XXXX XXXX Account number : XXXX 6. XXXX XXXXXXXX Account number XXXX 7. XXXX XXXX Account number : XXXX 8. XXXX XXXX Account number : XXXX 9. XXXXXXXX XXXX XXXX Account number : XXXX 10. XXXX XXXX Account number : XXXX 11. XXXX Account number : XXXX 12.XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : 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 a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

on XXXX i filed complaint with CFPB after EXPERIAN refused to update my consumer reports in compliance with 15 USC 1681a. On XX/XX/ EXPERIAN updated the accounts by furnishing more congressionally declared EXCLUDED information ; information solely as to transactions or experiences between the consumer and the person making the report, on my report. Thus failing to conduct a thorough investigation of dispute and in clear violation of the Code of Federal Regulations. There are several infractions on my consumer report that still need to be removed.