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

This is XXXX XXXX and I am submitting this CFPB complaint frsutarted of the Credit Bureaus action of ignoring a consumer 's requests! This is just bothersome! It has been 5 months since my first dispute regarding the fraudulent items being reported by the XXXX and TransUnion Credit Buraeus. I have also been sending countless letters requesting that the Credit Bureaus verify the authenticity of the information being reported on my Credit Report. But the Credit Bureaus have failed to do so and continued reporting without sending me copies of documents as proof of their invesitagation. I am now submitting this CFPB complaint to request that the Credit Bureaus remove the disputed items with or without investigation. The Credit Reporting Agencies must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I need the following items deleted immediately : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Owed : {$730.00} US DEPT ED XXXX Balance Owed : {$28000.00} US DEPT ED XXXX Balance Owed : {$39000.00} XXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXXXXXX  XXXX Balance Owed : {$8100.00} XXXX  XXXX Balance Owed : {$100.00} XXXX XXXX XXXX  XXXX Balance Owed : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting erroneous information on my credit file
Product: Credit reporting or other personal consumer reports

Capital one bank has three inquiries that are not open accounts on my credit report and Ive asked him several times to remove them because I dont know how they got there but they are not helpful and they are not trying to help me remove it and I need them removed. The Capital One inquiries are from these three different dates XXXX, XXXX XXXX/ XX/XX/XXXXXXXX  / XX/XX/XXXX. Those three inquiries are not open accounts. I need those removed immediately. It is putting a huge effect on my credit score. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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 XX/XX/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've disputed with the credit bureaus for months because the inaccuracies, incomplete, and unverifiable accounts that have been reporting on my account. I would like for these accounts to be removed because they are purposely reporting these account to damage my credit worthiness, could you hold them accountable?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, XXXX XXXX Balance : -, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX  XXXX Balance : {$180.00}, XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX : {$1300.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The title loan account was opened in XX/XX/2015 the company did not disclose that they were reporting payments to the credit bureaus, this was optional at that time according to the advertisements, the employee at the store made this determination on my behalf without consent. They are a predatory lender with a much higher interest rate than advertised. They violated TILA, falsely advertised, and represented rates making it impossible to meet the terms as a consumer. They tried to keep the vehicle as it was in their possession from the time the loan was in place. The loan defaulted, once defaulted we paid the loan in full plus any fees they charged. These fees were never provided upfront or officially disclosed in any documentation, it had to be what they said we needed to pay plus storage fees and other bogus fees. Presto would not give us the location of the vehicle after payment, we had to go to several local warehouses to try and locate the vehicle on our own with little to no cooperation. This company takes advantage of consumers. I have disputedPresto 's credit reporting practices over the last 3 years countless times and they continue to falsely report when they were not authorized.
Product: Debt collection

I RECEIVED DEBT COLLECTION LETTER FROM JEFFERSON CAPITAL SYSTEMS, THE LETTER WAS AN OFFER TO PUT THE COLLECTION AMOUNT ONTO A NEW CREDIT CARD, WHICH WOULD FORGIVE A PORTION OF THE DEBT. WAS REALLY CONFUSING. I WROTE JEFFERSON A LETTER REQUESTING VALIDATION, NEVER RECEIVED A RESPONSE. I RECEIVED ANOTHER LETTER TO PUT COLLECTION AMOUNT ONTO A CREDIT CARD, AGAIN WAS CONFUSED ATTEMTPED TO VALIDATE DEBT VIA A MAILED LETTER. NO RESPONSE AGAIN. 

XX/XX/XXXX FIRST LETTER RECEIVED XX/XX/XXXX SECOND LETTER RECEIVED XX/XX/XXXX 1ST VALIDATION LETTER MAILED XX/XX/XXXX XXXX VALIDATION LETTER MAILED NO RESPONSE NO OTHER COMMUNICATIONS RECEIVED XX/XX/XXXX MY WIFE WAS HANDED A SUMMONS FOR ME FOR THIS DEBT.
Product: Payday loan, title loan, or personal loan

Cashnet USA claimed that I signed a document that I never seen before. They forged my signature illegally. After paying my first payment, they informed me that none of it went towards the loan and as long as I was paying the minimum, nothing would be payed towards my loan. They claimed that I signed a document agreeing to these terms but I read every document I signed on and never once did I see anything like what they were stating. I told them that I would not pay them another dime because they are not scamming me. I would hire a lawyer before they scam me. The people there were very rude when I questioned them about it and told me that I had no choice but to pay them what they wanted me to pay or my loan will never be paid off. I was paying {$200.00} on a {$1000.00} loan. They are XXXX  and they should be shut down permanently before they scam anybody else!
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been going on for almost a year. I've called XXXX XXXX informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
XXXX XXXX ( Bank ) XX/XX/XXXX I have BMO Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
BMO HARRIS BK N.A. ( Bank ) XXXX XXXX, XXXX BMO HARRIS BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

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

On XX/XX/XXXX a request for Opt-out 15usc 6802-6805 was made as well as other request such as A request of Removal of student loan reporting. For it is a violation of educational and privacy act which states school will not provide transaction history to any 3rd party Upon XXXXamily and Educational Privacy act of 1974 my legal rights were violated. Inquires as well was requested on XX/XX/XXXX to be removed per XXXX permissible purposes Request to remove all original information except for current address XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX There is multiple addresses that is on my credit report that is a non mailable address Reporting agency was unable to provide me with where they got the address from as per Privacy Act 1974. A charge off is reported on my credit report. A charge off is considered a Certificate of Indebtedness which means it is income and income cant be reported to credit report and must be removed. It is illegal to report transaction history. 15 U.S. Code 1666b - Timing of payments the account was paid in full and should not be listed as a charge off.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.
Product: Credit card or prepaid card

American Express allowed my personal account be taken over and changed to a business account. I was a victim of fraud. American Express allowed the Fraudster to make unapproved cash transfers from my personal bank account that was linked to this American Express account. When I called American Express fraud line I was treated like I committed a crime. The bank transfers were done by phone calls from the fraudster to American Express customer service. They listen to the recorded lines and I was told the foreign voice did not match mine. A total of {$8000.00} was taken. I have yet to see resolution or return monies. My account was hacked for over $ XXXX from XXXX. I have never left the country. Most of charges have been removed and this took months as my account was frozen. I complaint to the CEO office for help. I never relieved any answers on how and why this happened. I have called several times and American Express has not be able to settle or help. I have made police reports and submitted all documents requested by American Express. My account is now with a collection agency. The fraud started on XX/XX/2017. This issue has been over a year and no resolution.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$470.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX Inquiry {$0.00} XXXX XXXX XXXX XXXX Inquiry {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im trying to get a apartment Im elderly XXXX so I figured let me check I received a email from XXXX so I figured let me check I could not believe it!! All my information about me, name, every address, my social security number, my cellphone numbers, date of birth Then theres, things that were open in my name I have no idea.. who or what was XXXX XXXX,,?? No clue never ordered from this company I had to XXXX it to see what it was XXXX XXXX?? No clue?? Same thing I XXXX this company I never ordered anything from them, XXXX cell phone!!! Phone service was opened in my name!! I have been a customer of XXXX Cell Phone company XXXX please do the math, XXXX XXXX XXXXe XXXX when would I ever used that service, I been in XXXX Ma over XXXX I only have used XXXX XXXX XXXX  My name and information has been used to open these accounts FRAUD, anyone could of got my information off the web I did put a freeze on it I need help removing these companies off my report I need to build credit I need a apartment
Product: Credit card or prepaid card

I was told at the Best Buy store that when I added a purchase to my Best Buy credit card by Citibank that any payments I make on the card with the 0 % interest rate for 24 months would be used come off of the original purchase first and then be used for any secondary purchase after that. I set it up so my payments were made automatically on my card every month and that so the original purchase would be paid off by the time I would have been charged any interest. Instead, the credit card company must have allocated my payments every month to my 2nd purchase, thus when the 24 month period had ended for my 1st purchase, they claimed I still had not paid it off and slapped me with an {$870.00} interest charge for the 1st purchase. I called and explained that I wanted this interest charge removed because it is a shady way of offering a 24 month interest free promotion. Very shady. If I would have not added any more purchases to the card, the first purchase would have been paid off. So, they punished me for making an additional purchase on the card while I was paying off the first purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving my consumer report from the credit bureaus, I notice a fraudulent inquiry from Consumer Portfolio Services , Inc. on XX/XX/21. I notified the credit bureaus through CFPB and the inquiry was deleted. Consumer Portfolio Services , Inc. violated federal law. see 15 USC 1681b A2. I did not give Consumer Portfolio Services , Inc . Written instruction to furnish anything on my report. They are civilly liable for this issue. I recently tried to apply for housing and was denied.
Product: Debt collection

This number is calling about 5-6 people either kin to me or acquaintances telling them they are coming to get me, file criminal case against me. Officer XXXX is what she goes by but when I call the number it gets answered by a person who just says hello when I inquired about it they first tell me that Im a thief and fraudulent person who steals money which is far from the truth if I messed up I messed up and I want to make it up and fix it. Ace has never attempted to contact me prior to this I have the same number, bank account and address. After about a hour phone call I paid my what all I had to my name because if I didnt I was told the case would move forward. Today I called again because I felt it was a scam and was give 4 different numbers that my account was sold to and none of who I paid! This has caused so much distress with the threats and paying all I have to stop a case that probably dont exist.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX score. 
Below are the details of the accounts in question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, Eastern Account System contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : Eastern Account System account : XXXX address : XXXX XXXX XXXX XXXX, ct XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

Contract was cancelled with XXXX, and they continue to call for a non owed amount.
Product: Mortgage

Select Portfolio Serv. continually send my mortgage statements late. After I called, I did receive a few of them by the XXXX of every month. But the vast majority of my mortgage statements are late. In XX/XX/XXXX I did not receive it until XX/XX/XXXX and in XXXX, again I received it late, on XX/XX/XXXX. As of today, I have not receive my end of the year statement. I also sent two letters in XXXX, XXXX requesting the closure of my escrow account. I called SPS on XX/XX/XXXX and spoke with XXXX regarding my escrow closure request and he said to email the request. I emailed the request and received confirmation from SPS they they had received it. I could send a copy of the email and confirmation per your request. After receiving a letter from SPS to upload the escrow closure request. I uploaded it and again received confirmation that it was successfully uploaded. On XX/XX/XXXX I spoke with XXXX who also confirmed that the escrow closure request had been received via email and uploaded from me, and my home insurer had emailed the declaration page home.
Product: Student loan

I attended the XXXX XXXX XXXX XXXX  between XXXX and XXXX. The XXXX XXXX have been found to have defrauded their students with false/misleading information and high pressure sales/recruitment tactics. I had taken out federal and private loans for this school. My federal loans have been discharged and refunded through Borrowers Defense to Repayment as a result of the XXXXXXXX XXXX XXXXXXXX lawsuit, but that settlement did not apply to private loans. There is now a group discharge on federal loans for everyone who attended the XXXX XXXX. I believe that due to the proven misconduct of my school that my private loans should also be discharged and refunded in full as my federal loans had been.