23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Misrepresentation has been committed on the consumer credit file of XXXX XXXX which violates the Fair Debt Collection Practices Act. Company Name is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Product: Debt collection

Midland credit management account XXXX amount {$630.00} opened. XXXX has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my XXXX credit report for violating the fcra and inaccurately reporting account statuse as well as account type.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX UTILITY SELF-REPORTED XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Apartment complex was listed XX/XX/2022 on my credit report for a little over XXXX XXXX dollars. I spoke with the complex manager she said she could not provide me with information & that she became manager a a little over a month ago & that she couldnt give any info. On my credit report the leased was from XX/XX/2022 til XX/XX/2022. Same day I received a call bk from the property manager before the one I spoke to, she said the tenant who lived there was evicted i ask her did she meet with the tenant at any point to describe the tenant or any supporting evidence or copies ect. Wit whom she signed the lease agreement wit? She responded with had no identification, social, check stubs, that was given to her & that everything was done online. The person also connected utilities over the phone & sent a connection verification letter through email.
Product: Mortgage

I have been trying to work with the Mortgage Bank Chase JP Morgan in XXXX ohio. completing the loan modification over every 30 days as Chase stated that this would prolong my foreclosure. Each time the denied my request. So I filed for Bankruptcy chapter XXXX and bankruptcy court new I asked to keep my home. This was XX/XX/2020. My attorney XXXX XXXX XXXX XXXX XXXX Ohio said that he would help me with completing these steps to keep my home with Chase. Chase never called my attorney XXXX XXXX back, or called my back. I have continued to try to contact to Chase to prevent any and all foreclosure or sale of my home. I have been given information on hope now, contacted them and said there is nothing they can do for me since Chase has bought the home out from underneath me XXXX XX/XX/2020 This year. This prevented me from any type of mortgage assistance or any type of prevention to keep me in my home. This I feel that being a older woman I have discriminated against, since I am a widow. This has been going on for two years., I do have a plan b to live at my brothers place, but this needs to be investigated due to if this continued to happen to me how many other people will this happen too!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Specifically sections 611 ( 15 U.S.C.. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed
Inquiry :
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 protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : 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 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: Payday loan, title loan, personal loan, or advance loan

I applied for a personal loan from One Main Financial. I was told that I was approved for {$3100.00} without putting up any collateral. I was told that I could get up to {$11000.00} with collateral like a vehicle. I told them I did not want to put up a vehicle so I would take the {$3100.00} that would not include using my vehicle as collateral. I provided the financial statements that was needed to verify income, and was given a closing date for my loan for XX/XX/year>. The closing was scheduled to be a virtual closing. However, when the representative called, they wanted my vehicle information as to the year make model and XXXX numbers for them. At this point, I told them I did not see why this was required since it was only a {$3100.00} loan that did not require collateral. I was told that it was not for collateral purposes they just wanted to have it on file. my concern is if the financial statements and the credit report showed that I was approved then why was it necessary to have this information concerning my vehicles. This requirement led me to believe that they would use my vehicles as collateral, and I did not want that so I declined the loan. I believe the company was deceptive with their business practices.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permitted to report these items 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 correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm writing to request that the XXXX XXXX XXXX account be removed from my credit file. I'm a victim of identity theft, and I ask that this item be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the documents supporting my dispute.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

I hope you are doing well. I am writing to address a serious issue with my credit report. Upon review, I found this unauthorized account that has negatively impacted my creditworthiness. I firmly believe this account is the result of identity theft and require urgent attention and resolution. 
I want to clarify that I did not initiate or authorize this account. This was fraudulently opened without my consent or knowledge. To address this issue, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). A copy of the Identity Theft Report filed with the FTC is attached for your reference. The specific account in question is : XXXX XXXX XXXX.
Product: Credit reporting

I filed for bankruptcy in 2009 and included all of my debts - which included a XXXX XXXX XXXX XXXX XXXX XXXX credit card. XXXX XXXX XXXX XXXX XXXX is now called XXXX XXXX XXXX XXXX. My credit report shows XXXX XXXX XXXX XXXX account as a charge off even though it was discharged in my bankruptcy in 2009. A representative from XXXX XXXX XXXX XXXX told me they could not talk to me in regards to this matter. I would like to resolve this matter as it is impacting my credit negatively and have this debt removed from my credit report.
Product: Credit card

On XX/XX/year>, I went to Kohl 's to shop. I tried to make a purchase with my Kohl 's card and was told that Kohl 's was switching to Capital One... this was the first time I heard of it. My regular Kohl 's card would not work, so they had to look it up by my social security number. The purchase went through without a problem... except that I never received, and come to find out, was never sent a replacement card. When I went online to pay my bill, my old account number would not work so that I could pay my bill. I called the number on the back of the card and that is when I found out, I had never been sent a card and I had to request it. Without a card, it is very difficult to pay the bill. They asked me for the account number which I did not have because I did not have the card. During the phone call, I was able to pay the card with my social security number after jumping through several hoops. This seems like a way for the credit card company to make it difficult to pay your card so they can make interest and charge late fees. It seems slimy and sneaky. After paying what I was told was my balance ( I couldn't see my balance because I didn't have an account number ), I closed my credit card after being a customer for several years. It is poor customer service and a questionable business practice.
Product: Money transfer, virtual currency, or money service

Monies ( XXXX ) sent using XXXX did not have a warning and I lost money transferring money to a person that was not the correct person. I was not able to get a refund for the error. The establishment said it was my error however now a days, ( XXXX ) there is a warning asking if I am sure I know the person.
Product: Credit reporting or other personal consumer reports

CFBP has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate correction action to remove or amend the dispute accounts. As XXXX inaction violates federal law and my rights as a consumer.I recently obtained a copy of my credit report and noticed that XXXX was reporting inaccurate information in the personal information section. I have disputed the wrong addresses, phone numbers and employment multiple times for the past XXXX years and the problem is not being fixed. To diminish speculation my information is as follows Name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
My address should read : XXXX XXXX XXXX, XXXX XXXX Employer : XXXX Phone Number : XXXX Social Security Number : XXXX Please remove ANY other information you are currently reporting as they are NOT accurate.
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 accounts in my report and found that I need to visit XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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 accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XXXX, XXXX Balance : {$4400.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance : {$670.00} According to FCRA XXXX XXXX ( XXXX XXXX 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 XXXX XXXX XXXX after the date of receipt.
Product: Debt collection

CAPITAL ONE sent me a collection letter dated XXXX claiming I owed an unpaid debt of {$14000.00} on a credit card # XXXX, which I never received from them, or ever used. 
On XX/XX/XXXX, I requested CAPITAL ONE provide me proof of such debt. CAPITAL ONE replied in a letter dated XX/XX/XXXX stating they could NOT provide any proof, giving NO reason about why, but asked me to call the bank directly. 
I spoke on 3 occasions by phone on recorded calls with Capital One employees, during which I was never offered an explanation of why proof of such debt could not be given. I wrote again on XX/XX/XXXX to CAPITAL ONE demanding proof of such debt be provided, and a list of transactions or charges made by me. 
In response, I received two letters from CAPITAL ONE, one dated XX/XX/XXXX and another dated XX/XX/XXXX making completely contradictory statements about the origins of this account. As follows : 1 ) The XX/XX/XXXX letter stated : " The application that you refer to was taken over the phone or the internet via computer or mobile device. so, unfortunately we don't have a paper copy to send you. '' 2 ) The XX/XX/XXXX letter stated : " According to our records, we received your application by Mail on XX/XX/XXXX and your account was opened on XX/XX/XXXX. The last charge billed to your account was on XX/XX/XXXX in the amount of {$52.00}. Your last payment received on this account was on XXXX in the amount of {$400.00} '' I pursued this matter further, asking again that CAPITAL ONE bank clarify this debt and provide me the requested proof of debt, or any proof of account activation, or a copy of statements showing charges made by me on the account. I sent three letters dated XX/XX/XXXX ( 4th request ), XX/XX/XXXX XXXX XXXX request ), and XX/XX/XXXX asking for this information. It was never provided. 
After sending six separate written requests for the most basic information about this debt, and having received none of the information from CAPITAL ONE that I am entitled to, I can only conclude that it will not be provided for unknown reasons. CAPITAL ONE has failed each time to provide me any proof of the debt, such as the following items : A credit card agreement signed by me. 
Any application filled out by me, sent via regular mail or via internet. 
Proof of any record of an application taken over the phone. 
Proof of any account activations. 
Itemized list of any transactions with dates, or charges, made by me to the account. 
This situation has harmed my credit score and credit eligibility for years now. Over time, I have seen my credit limits lowered, and interest rates increased for no reason other than the existence of the CAPITAL ONE derogatory entry in my credit report with the 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I was discriminated agaist by American Express who closed all three of my accounts without my autorization. Those accounts were not held by their financial institution. Those three accounts were in good standing and not in default. Since then I have been herassed and threaten to pay an alleged debt. In addidtion American Express continues to report negative information on my consumer report by flagging my account which is all prohibbited. XX/XX/XXXX American Express is now producing false documents stating false information. They are saying I had an account ending in XXXX, whhich is false. I never had an account ending in XXXX. American express is also writing falsified statements claiming I requested a debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity is being messed with a long with other issues I am filling a didpute with the consumer reporting agency with my rights under the fcra act. I have had more issues with my bank accounts n my money not being found with my consumer rights n if this credit was right then my other money would be easier to c where it went, .. this goes back from XXXX up till this very day XXXX.i also want XXXX to pay me for me paying them to pertect all this and they did not, I'm want to file suits.
Product: Debt collection

Even after I made a partial payment they immediately continued calling me every 30 minutes starting at XXXX until XXXX. While I am still making my weekly payments I just missed one payment but continued the rest and they wo n't stop calling me.I am still paying them every two weeks. Then when I do contact them they are n't willing to help. They say that they ca n't reach me well pretty soon they are going to get me fired from my job.