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

I checked my credit report and found that some of the data were incorrect. The XXXX 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unidentified person applied for credit using my personal information with XXXX XXXXXXXX. Resulting in a hard inquiry & drop in my credit score. I would like this removed so that my score can return.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXXI Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/year>
Product: Debt collection

While reviewing my credit reports I discovered a debt collection from Helvey & Associates Inc. I sent the company a debt validation request for them to VALIDATE not verify the debt they are trying to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with a billing statement for customer XXXX XXXX. My name is XXXX XXXX. This does not prove that I am the party who they are seeking to pay this debt. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX and Transunion Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to coorect the account which was erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this account : XXXX XXXX XXXX XXXXXXXX Balance : {$30000.00}.
Product: Credit reporting or other personal consumer reports

This is my twelfth complaint regarding my experience as a victim of inaccurate credit reporting. According to Section 605B ( a ) of the Fair Credit Reporting Act, you are required to remove any items that were opened without my knowledge, consent, or authority within four business days, provided you receive : ( 1 ) appropriate proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information, and ( 4 ) a statement from me asserting that the information does not pertain to any transaction I have made. The following items need to be removed as they are inaccurate : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you believe these items are 100 % accurate and verifiable, please provide me with copies of any associated documentation that bears my signature, as I am confident no such documentation exists. If you can not produce a signed agreement, you must remove these items from my file. If you fail to remove these items, I will refer this matter to my attorney for further action. Please avoid escalating this to a legal issue. You have four business days to remove any incorrect items from my credit file. I do not consent to the use of E-OSCAR or any automated verification methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX  and Account # XXXX XXXX XXXX XXXX, has violated my rights. 


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

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

I allege Wells Fargo and Wells Fargo Home Mortgage of Fraud, Deceptive Practices, Security Fraud, Unjust enrichment, Deprivation of Rights and theft. 
My banking statements, account details and online banking screen shots as well as bank and forth communication and recorded phone calls withWells Fargo and Wells Fargo Home Mortgage clearly and undoubtably prove all allegations true. Mail sent certified mail in addition prove this corporations fraud and operating In the United States, Iowa as a registered Foreign Agent not adhering to the laws of the land/ The Constitution and continuing to doing illegal business with the United States People of America and citizens of the United States. In Violation of FARA and United States Codes and Practices
Product: Credit card or prepaid card

I received an application for a American Express " Gold Delta Skymiles '' credit card, with a XXXX bonus mile offer ( I applied BEFORE the offer dropped to XXXX miles, after XX/XX/2019 ). When I tried to apply, American Express completely denied me that bonus offer. Their web site and customer service agents were unable or refused to provide the reason for this rejection, so I believe it may have been rejected unfairly due to the company 's receipt of my prior CFPB complaint # XXXX. 

Additionally, note that I was strongly dissatisfied with American Express 's response to that complaint. They stated that they were making changes to " comply with the law ''. That claim is absolutely not true, as there is NOTHING in the law that requires all parties to keep the existence of and all information about a dispute completely confidential. As I stated before, the ONLY purpose for forcing consumers into confidentiality PRIOR to entering into forced binding arbitration is to ensure that any highly embarrassing and widespread misbehavior is hidden from public knowledge. Lest anyone think I'm wildly out of touch with such an assertion, XXXX XXXX demonstrated exactly that type of embarrassing and widespread fraud by opening XXXX XXXX fraudulent accounts over the past several years. This is NOT a spurious concern.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an issue with the personal data on my credit report, which I believe is not being handled in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681g. 
On XX/XX/year>, I sent a written request to Experian to correct or remove inaccurate personal data from my credit report. My request was based on the FCRA requirement that consumers have the right to accurate information on their credit reports. The specific inaccuracies in question include my one and only name is XXXX XXXX XXXX XXXX and not the many variations they have such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. 
Unverified accounts, no documents used to verify has been provided despite my requests : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiry not authorized. 
XXXX XXXX XXXX XXXX In my initial letter and phone call on XX/XX/year>, I provided all necessary verification documents as stipulated under the FCRA to support my request. These documents included a copy of my social security, passport, and utility bill. Despite providing these documents, Experian has failed to take appropriate action to rectify the inaccuracies.

The failure to correct or remove this incorrect data is causing significant distress and may negatively impact my creditworthiness. As per the FCRA, I am entitled to accurate information and timely resolution of such disputes, and I have yet to receive a satisfactory response or resolution from the credit reporting agency.

I respectfully request the CFPBs assistance in ensuring that my request is processed correctly. Specifically, I seek the following : 1. A prompt review and correction of the inaccuracies on my credit report as per my initial request.

2. Confirmation that all required verification documents have been received and appropriately reviewed.

3. A formal update on the status of my request and any actions taken by the credit reporting agency.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
XXXX XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX Credit Adjustment INC contacted me regarding a balance that was owed to the pharmacy counter that was dated XX/XX/XXXX. I never went to the pharmacy counter on that date and at the time I was a minor. I tried to explain that to them and they would not.listen. I also asked them to send out a letter in which the Representarive names XXXX hung up on me. Then I was told by a 2nd representative that it was legal for them to try to collect from me since I now turned XXXX, which is not true. I would like to seek legal counsel for harassment as well as them being untruthful with me.
Product: Credit card or prepaid card

I have had a credit card from capital one for 12 years. I have never made a late payment and I normally pay my bill in full to avoid paying interest. Since I opened my account, Capital One has never agreed to increase my credit card limit. For the past 4 years I have actively requested an increase at least one or two times per year and my request is always denied. They provide generic reasons which none apply to me. I have called customer service but they can not do anything over the phone. Over the last 4 years my income has tripled but this doesnt not positively affect my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID Fraud back in XX/XX/XXXX-XX/XX/XXXX. During this time, there were multiple XXXX XXXX cards opened in my name without my permission. This has been proven based on XXXX XXXX investigation along with a copy of the police report that was given to all three credit Bureau, and XXXX XXXX took them off except 1. They left one card on my credit report stating that it was mine and instantly reported 60+ days late. Obviously this is not mine. I asked them to send me something in writing that I personally signed authorizing them to open this account. If they can not, then they must remove this account off of all 3 of the Credit reporting Bureaus (Experian, XXXX and XXXX) immediately!
Product: Credit reporting or other personal consumer reports

These credit bureaus keep violating my rights as a consumer. I've giving them multiple attempts to correct these errors. This is my final attempt at getting these items removed permanently. 

According to FCRA Section 605B, it is illegal to report information on my credit report without my permission. 

According to 15 USC 1681 C-2, if a block of information is declined or rescinded under the subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of the information under section 1681i ( a ) ( 5 ) ( B ) of this title.

According to 15 USC 1692g, states that within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt, ( 2 ) the name of the original creditor whom the debt is owed, etc.

According to 15 USC 1666b, a credit may NOT treat a payment on credit card account under an open end consumer credit plan as late for any purpose. 


Accounts to be removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( not my address- Remove Immediately ) XXXX XXXX XXXX XXXX XXXX  XXXX ( not my address- Remove Immediately ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX )- Didn't receive my written consent ; the local courts acknowledge that they didn't provide this information to the data furnishers. 

If these accounts are not removed immediately, I will seek civil liability damages of {$1000.00} per violation pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ].
Product: Mortgage

I have a Mortgage Loan with PNC Bank and I have setup Auto Payment with no End Date, which it said that it will scheduled till End of the Loan. But due to some glitch or error in PNC online Banking the auto pay ended on XX/XX/2019. So the payment was not made and account was reported as delinquent to credit agencies. I have reached out to PNC and requested to correct the report as it the the fault of PNC but they responded they reported accurate information.
Product: Mortgage

I reached out to US Bank online on the XXXX of XXXX and XXXX XXXX from there reached back out to me. I discussed with him the purchase of property at XXXX XXXX XXXX in XXXX for XXXX as investment property and I was told I need 20 % down payment which I agreed to. I paid {$320.00} application fee to start the process and all the while XXXX knew I was XXXX XXXX and all my paper work submitted to him including last 3 years of taxes everything shows, that I am a XXXX XXXXt, operating under a XXXX XXXX XXXX I was forwarded to XXXX XXXX who was very lax with her responses to me but I pulled through by giving her info on everything she asked and they provided me a conditional approval by XX/XX/XXXX. Now with my closing scheduled for XX/XX/XXXX and its XX/XX/XXXX, the last three days has been drama on how I can not use my XXXX account money, which is my only source of income. So I moved the down payment to my personal account as a payment to myself and they still wont accept it since the money came from my earnings. I was never told all along that the money from my earnings can not be used. Now after two weeks of distress and due tot heir compulsion, I cashed out XXXX from personal Traditional Ira into my personal account etc and they still wont accept the money in my personal account. I am now going to make this a cash closing, when I could have chosen to do this as a cash closing and not have to go through this painful process and have my credit affected etc and saved some heartache. I think US BANK has to compensate me for my loss in both time and money. This is US BANK being Unfair and discriminating against self employed not considering their income as a source of income.
Product: Debt collection

I.Q Data International contact me to collect end of lease charges from XXXX XXXX XXXX XXXX Apartments which did not include a discount from the security deposit. After explaining with I.Q Data representative that XXXX XXXX XXXX XXXX Apartments is not including the security deposit in the XXXX statement they threaten with reporting the debt to a credit bureau and continue charging interest on the debt. Therefore, we were force to pay under protest. On the other hand, XXXX XXXX apartments claim that the previous property manager took the security deposit money and that they do not have it. They also ask me to contact that person. The lease shows is the same company XXXX XXXX XXXX managing the account and I shouldn't be looking for individual persons. 
I.Q. Data International was not interested in fixing the amount they were charging and only threatening with additional actions, information was provided including copy of the lease stating the amount of the security deposit but there is no response.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my report. I have NEVER opened or used the following accounts I'm a victim of identity theft. I have attached my identity report affidavit, i want all items deleted immediately or my next resort will be litigation. again i will list these fraudulent accounts here this is a serious concern and my rights are not being honored. 

XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$1100.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$520.00} Credit Card XXXX by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$10000.00} XX/XX/XXXX, _ Credit Card Opened by the Thief Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$150.00} Under penalty of perjury, I declare this information is true and correct to the best of my knowledge.
Product: Debt collection

XXXX XXXX called and left a message with employer threatening legal notice. I returned the call and I can only connect with voicemail on both the XXXX and XXXX. The agency is Streamline Recovery located at the following : XXXX, NY XXXX CONTACT THEM Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The current balance on my student loans is reporting incorrectly as well as the Debt-to-Credit ratio is currently reported inaccurately. I wrote a letter to the Department of  Education and XXXX XXXX, my loan servicer to update the record but it has not happened.
Product: Debt collection

I have contacted Portfolio Recovery Associates over ten times. I have informed them that this is a direct result of Identity Theft, and I have faxed them Police Reports and emailed them, and have since faxed them everything twice. I have sent them letters, disputed with the reporting agencies, and since they have re-aged the debt to make it appear new, and have changed the account numbers. I AM OUTRAGED AT THIS!
Product: Credit card or prepaid card

I have complained to Chase XXXX XXXX Account # XXXX XXXX XXXX XXXX to take off {$5000.00} from XXXX XXXX on XX/XX/2022 because it was fraudulent. They keep telling me that it is a valid charge but it isnt. It is a scam and I reported them to the FTC and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called boa to inform them of my mortgage not being report to XXXX, the mortgage is reflected on the other 2 credit reporting agencies. They sent me correspondence detailing the call. Fast forward 90 days later the account still isn't on my credit report so I sent another correspondence and called them to inform them. They sent a letter stating that the account had been resubmitted to XXXX.
Product: Credit reporting or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$80.00} XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$770.00} XXXX XXXX XXXX  XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I have a USAA Consumer loan that was set up for automatic payment ( {$440.00} a month ) from my XXXX XXXX checking account. The payment for XX/XX/XXXX was never taken out for payment. I was unaware that the payment was not made until USAA informed me around XX/XX/XXXX. The new total due was now {$890.00} and that the payment was considered late 30 days late. At the time I was informed of the delinquency I explained that I was currently dealing with the Veteran Affairs not paying me while I was currently in school. I knew I had a debt protection on the loan incase of loss of job or unforeseen circumstances. I explained I was waiting to be paid from the VA and that I just got a new job that I was set to start on XX/XX/XXXX. On XX/XX/XXXX I transferred {$500.00} from my XXXX XXXX checking to my USAA Checking account. When I checked to see if the money posted into my USAA checking account I find out my checking account was not showing up. I called USAA and they explained my account was charged off ( to which I didn't have any knowledge ). They said they could transfer me the money back to my XXXX XXXX account but it could take 15-20 days but I would only receive {$440.00} in return instead of the {$500.00}. Told me that I could only pay the loan using my XXXX XXXX checking account and not with my USAA savings account. Said to expect the money back in my XXXX XXXX account on XX/XX/XXXX. When I checked my XXXX XXXX checking account on the XXXX I didn't have the money back from them so I called to which they explained they could transfer it back to me. The girl I spoke with accidentally transferred {$440.00} from my XXXX XXXX checking into my USAA savings instead of transferring the money they owed me. Realizing what she had done she apologized and said she would transfer it back but I would only receive {$640.00} XXXX XX/XX/XXXX ) and have to wait a few business days ( XX/XX/XXXX ) for the remaining {$240.00}. After I received the money back I was now over 60 days past due and now the total increased to {$1300.00}. I was in communication and working with them consistently and unaware that they were in fact reporting me to the Credit Bureau for missed/late payments. This could have all been avoided if my checking account was not charged off without my knowledge. I called on XX/XX/XXXX to get a 14 day payoff amount and to setup payment for {$440.00} on XX/XX/XXXX. I later found out they waived late fees but then also cancelled my debt protection without my knowledge. A payment of {$1600.00} was made on XX/XX/XXXX to bring the account to current. I spoke with them about removing the reports made to the Credit Bureau to which they informed to fill out an online form and wait about 30 days then they would mail me a result. I was advised to submit a complaint by my credit specialist.