23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

These people just popped up on my XXXX report on XXXX, I do n't know who they are I only had XXXX collections on my report XXXX for a XXXX and XXXX for XXXX, I just got a letter the end of XXXX that the XXXX was not mine and they will be removing this soon, this is a fraudulent collection, XXXX contacted me in XX/XX/XXXX and said my credit had been compromised and offered me free credit monitoring I did not take it at the time because I did n't think I needed it because I had started straightening out my credit, now these people pop up out of nowhere.
Product: Credit reporting or other personal consumer reports

Transunion is reporting all of these as hard inquiries and they should not be reporting these on my credit report because these were not authorized by me. Here is the list of hard inquiries being report by Transunion : 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  FTC REPORT # XXXX I request these hard inquiries to be removed at once
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this information no 3rd party company involved. ALL DOCUMENTS AND IDENTIFICATION IS INCLUDED PLEASE CHECK ATTACHMENTS REGARDING MY SITUATION.
Product: Debt collection

On  XXXX / XXXX / 2017  @  XXXX  I received a phone call from  XXXX    @ IQ Data International.   My   XXXX   XXXX   XXXX    child was screaming in the background while  XXXX  was explaining the reason for his call. Once my child stopped screaming I told  XXXX   I d id n't hear anything he said. He stated by  XXXX  and hang up the call. I called back and the rep attempted to reconnect me with  XXXX  but he did n't answer. I was then transferred to  XXXX  who said she was the supervisor and would look into the call. I do n't believe anything will be done. I have asked  XXXX  on previous occasions not to call my phone number. I have asked that all communications be done by mail or email. I asked for the address to send over a cease and desist but  XXXX  refused to provide me with that information because I would n't verify my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on the response of Equifax about the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed 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 lists of the erroneous accounts reporting on my Credit Report : 1. XXXX  XXXX/XXXX-XXXX-Balance {$0.00} 2. XXXX/XXXX-XXXX-Balance {$0.00} 3. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX  XXXX XXXX-XXXX-Balance $ XXXXDate Opened  : XX/XX/XXXX 5. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX-XXXX-Balance $ XXXXDate Opened : XX/XX/XXXX 7. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 8. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 9. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 10. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 11. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 12. XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 13. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 14. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 15. XXXX  XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX 16. XXXX XXXX/XXXX  XXXX XXXX-Balance {$0.00} 17. XXXX XXXX XXXX-XXXX-Balance {$2600.00} 18. XXXX/XXXX-XXXX-Balance {$2600.00} 19. XXXX XXXX-XXXX-Balance {$860.00} 20. XXXX XXXX-XXXX-Balance {$460.00} 21. XXXX/XXXX-XXXX-Balance {$1000.00} 22. XXXX-XXXX-Balance {$9200.00} 23. XXXX XXXX XXXX-XXXX-Balance {$0.00} XXXX. XXXX XXXX XXXX  XXXX-XXXX-Balance {$0.00}
Product: Credit card or prepaid card

I am filing this complaint based on Capital Ones refusal to provide any consumer assistance or programs on my account due to Hardship. I was injured in XX/XX/2019 and required XXXX XXXX in XXXX. I have been on medical leave since XXXX as well as being denied XXXX benefits of which I am still fighting. Upon reaching out to Capital One on multiple occasions seeking assistance with my account which is now falling drastically past due, Capital One has been unreasonable and unwilling to provide any programs or assistance. I have not worked, nor am I cleared to return to work until I am fully healed and am unable to manage payment on this account.
Product: Debt collection

I have received 7 calls since XX/XX/XXXX to my personal cell for a family member that has been Deceased since XX/XX/XXXX. On XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX CT I actually answered. They asked for the person to which I informed them they were no longer alive and the date of death and asked politely for them to stop contacting me. Every single time someone calls asking for my mom it brings up all of these horrible emotions ( was a horrible house fire that cause her AND my step father 's death ) and my XXXX XXXXXXXX XXXX XXXX  all day and I keep rehashing what happened. They need to STOP CALLING ME!!
Product: Credit reporting

XXXX XXXX, a cell phone provider, inaccurately reported to the credit bureaus, a cell phone account balance in the amount of {$89.00}, that belonged to somebody else. XXXX XXXX agreed to remove the negative credit item from my credit reports in XXXX, 2014. The representative for XXXX XXXX was XXXX, Badge # XXXX, who I spoke to at XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX did in fact delete the original credit item in XXXX, 2014. Please refer to the XXXX dispute results, dated XXXX XXXX, 2014. However, XXXX XXXX reinserted the previously deleted information through XXXX XXXX XXXX XXXX, XXXX in XXXX, 2014. Please refer to XXXX report # XXXX, dated XXXX XXXX, 2014. This action taken by XXXX XXXX one month later violated our agreement that the disputed cell phone account was not mine. XXXX XXXX XXXX XXXX XXXX has responded to me that they do not delete inaccurate, previously deleted credit items. XXXX XXXX, to date, has refused to voluntarily correspond with me regarding this matter. 
I have suffered personal damages due to being denied credit during this period of time. These damages are a direct consequence of XXXX XXXX ' civil tort against me, by inaccurately reporting negative credit information, agreeing to delete the inaccurate credit information, and then subsequently having XXXX XXXX XXXX XXXX XXXX reinsert the negative credit item under my name. XXXX XXXX XXXX XXXX XXXX is also liable for unlawfully reporting the previously deleted negative credit item under my name, and failing to remove it voluntarily. 
I request that CFPB investigate this matter thoroughly, and penalize these offending parties for not acting justly, and in good faith, to restore my good credit, and failing to abide by the terms of our agreement.
Product: Credit reporting or other personal consumer reports

Hello Consumer Financial Protection Bureau, my name is XXXX XXXX XXXX XXXX and i have written this complaint about a collection reporting to my credit profile that i DID NOT consent agree to and is completely unaware of. I did not SIGN for this and did not benefit from this account. It is reporting negative on my credit profile and is hurting my credit score. I tried to speak to representative at Experian and they refuse to help me. Please i am under distress because of this credit collection on my report as it keeps my score stagnant. I have listed the collection account info. Please 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

Ford is reporting erroneously on my credit and it must be fixed. I recently noticed that ford is reporting an account I have with them saying I am making a $ 400+ payment to them every month. This is wildly inaccurate as I am no longer making any payments with Ford. They sent my account to collections and I have been paying them about {$150.00} a month. However, Ford continues to report this debt as if I make monthly payments to them and this is really affecting my debt to income ratio to be able to buy a home. This is completely untrue and invalid. Unless they can validate that I make $ 400+ payments this needs to be removed. Reporting invalidated debt is a violation under the FCRA and the FDCPA and if not fixed, this can constitute fraud under both federal and state laws. This needs to be deleted.
Product: Debt collection

Paid the debt in settlement and capital one auto finance promised to delete when it was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in 2023, XXXX XXXX tradelines less than {$500.00} will no longer be reported on consumer credit reports. United Revenue Corporation located at XXXX XXXX XXXX, XXXX, TX XXXX failed to remove a medical collection off my XXXX credit report. The first sentence from this complaint is an excerpt taken directly from consumer financial protection bureau. This medical collection is {$270.00} which falls under {$500.00}. As a consumer my rights have been violated due to this collection agency allowing for something that legally needs to be erased, to stay on my report. I am requesting that this medical collection gets removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing incorrect, outdated, obsolete and erroneous negative information on my credit reports since XX/XX/2021 from Equifax and they continue to update the information and report it as fraud. I requested that they delete and remove and inaccurate information from my credit reports, but they keep reporting the information as accurate and verified AFTER the agency reporting the information corrected the incorrect information being disputed. According to the Fair Credit Reporting Act, the credit bureaus are supposed to remove any inaccurate information and report it 100 % correct. I did factual disputes and found many accounts reporting negative information on my reports causing me to have a lower credit score resulting in denial for credit and higher interest rates. I believe I am being unjustly discriminated against because of this E OSCAR verifying system. I would like for these negative accounts that I have challenged and disputed, and continue to dispute and challenge, over the last several months be removed from my credit report. To put it bluntly, it is like XXXX XXXX and Equifax are purposely allowing this negative information to remain on my report. It is almost useless to use the disputing process as prescribed by law if it will not be followed by the credit bureaus.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered accounts that I did not recognize. I did not authorize or I did not made transactions with these accounts. Attached with FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., No. XXXX ( C.D.Cal. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated
Product: Checking or savings account

There was a little over {$300.00} on this joint account I had opened with my spouse that was flagged for fraud. Citibank, debited the amount but we dont have it. We have checked all of our other bank accounts and nothing was debited. When we discussed with multiple banking locations, nobody seems to know where that money went. 

We just need our money.
Product: Mortgage

I have an equity-line-of -credit with M & T bank. The line was first opened many years ago by banks that M & T absorbed. I became delinquent on this account in XXXX  because of health and business problems. In addition, they raised my monthly payment almost 10 fold. At the end of the year, I requested a loan modification from M & T. I submitted all the paper they needed and they told me on XXXX that there were things missing and they gave me until XXXX XXXX to respond. I responded by that date and on XX/XX/XXXX they told me that there was some missing information and because it was so close to the foreclosure date that they would no longer consider a modification and would not tell me what items were " missing. '' Most of my correspondence is with XXXX, the foreclosure attorneys. They send me mailings every day highlighting the foreclosure date. The letter they send is one I received from M & T in XXXX on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was attempting to lift the credit freeze on my account. I could not do it online with my prior pin. I could not get a new pin submitted to me through the automated system, and I could not speak to a person. I could sign up for their credit services which would provide me with 'enhanced ' access.
Product: Debt collection

After numerous attempts to get this fraudulent account removed from my credit report Capital One has yet to remove, I have never had an account with Capital One this is a fraudulent account, I want to dispute this account under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the XXXXhree Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am formally expressing my concerns regarding Zelle 's handling of disputes, in light of the CFPB lawsuit regarding issues with the platform. My bank and Zelle have failed to investigate my claims and informed me that recovering lost funds was not possible.
Product: Bank account or service

Citizens Bank allowed someone to cash a forged, year old stale check for over {$1000.00}. This person continued to cash stolen and forged checks until my account was wiped out. Had Citizens Bank exercised proper care, the theft would have been caught early. However, they continued to cash fraudulent checks until there was n't any money left. XXXX times the amount of the check was over {$1000.00} and six times they failed to verify the signature. I have copies of Citizens Banks own policies regarding cashing checks : they wo n't cash checks over 6 months old, and they require signature verification on checks over {$1000.00}. 
I usually only wrote a couple checks a month and my handwriting is consistent. This person would return to the same location day after day, sometimes cashing multiple high value checks ( {$500.00} and above ) at different locations on the same day, and no one at Citizens raised a concern. 
When I realized the theft and forgery had occurred, I contacted Citizens immediately. When I contacted them, I had {$15.00} in my account. I was told by Citizens that my account was frozen due to the fraud, and no money would be allowed to be charged/withdrawn. Citizens continued to let charges go through until my account was negative, and then charged me ridiculous overdraft fees. Citizens has threatened to negatively affect my credit score as well because of the negative balance. I was informed that according to their policies, I would immediately be refunded the last 30 days of fraud. That was last XXXX 2015 and I have yet to be refunded anything. 
I have repeatedly contacted Citizens Bank and demanded my money back and they are giving me the run around. I am a single mother and I worked hard for my money. They allowed over XXXX obviously forged checks to be cashed on my account and wo n't take responsibility for failing to follow their own internal procedures and provide a reasonable protection of my money.
Product: Checking or savings account

Issue Deposit was {$780.00} Amount credited {$280.00} Short {$500.00} I brought this to the branchs attention today XX/XX/16 @ XXXX ( XXXX XXXX think she is assistant manager ) and was told it would take up to 5 days. I told her that was not acceptable. A us postal order is covered by reg cc
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I don't appreciate the mistreatment of XXXX and how they are asking me my race when I call in. Im being told and others as well over a group of ( 400 people ) saying the same thing about internal investigation. Why are there internal guidelines that can't help us as consumers? I don't appreciate EQUIFAS AS WELL!!! 
No one is helping me at all and I am often promised callbacks that never happen. XXXX, XXXX, XXXX, XXXX are NEVER HELPFUL and tell me information that isn't true. Id fact check with XXXX or XXXX and they are the only helpful ladies at the whole company. Then for XXXX XXXX and XXXX are helpful and XXXX and XXXX at Equifax isn't helpful at all. Im locked in this department that they won't let me out of at all, I work XXXX jobs and one is XXXX which I can't bring my phone around and the other is in XXXX. By the time I can call the department is closed. Please remove me from this department so someone can finally help assist me and I can move forward with my life. Another thing that I am being told is that I am a " credit clinic '' and they refuse to remove items. XXXX told me long ago to Put on the document and say " I am me and not a credit clinic '' on all correspondence and I did that as well as everything like XXXX asked. I need these items BLOCKED AND REMOVED. 

THESE INQ ARE NOT STATEMENT OF FACT AT ALL WHAT SO EVER, THESE ARE STATEMENT OF FRAUD!!!!! The Consumer Credit Protection Act Of 1968 ( CCPA ) protects us consumers from harm by creditors, banks, and credit card companies. The federal act mandates disclosure requirements that must be followed by consumer lenders and auto-leasing firms etc... 
A 611 credit dispute letter references Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. It is sent after a credit bureau has responded to a dispute that a negative item has been verified.This has not been done at all. 

XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$57000.00} FRAUD XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$15000.00} FRAUD
Product: Credit reporting or other personal consumer reports

I believe my identity was stoled either again or the same individual who caused me credit card fraud in XX/XX/XXXX did it again. 

I was in XXXX and XXXX from XX/XX/XXXX to XX/XX/XXXX and on XX/XX/XXXX I received 3 emails indicating I opened up store credit cards and made purchases for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was able to complete an XXXX  credit freeze on XX/XX/XXXX and have since then been contacting each individual company to dispute the claims and close the cards. I also filed a police report in my current city of residence and am applying for an extended 7-year fraud alert with XXXX as well.