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

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
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 Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 
Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 XXXX  : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield and Associates reported a collections on my credit bureau on XX/XX/XXXX. I called them at XXXX and spoke with a representative who informed me they were collecting a debt for my adult daughter from XXXX  XXXX XXXX XXXX for XXXX from XX/XX/XXXX. MY DAUGHTER IS XXXX! I WAS NOT PRESENT AT THIS VISIT AND AM NOT RESPONSIBLE FOR HER DEBTS! SHE HAS HER OWN FAMILY, JOB, AND HOME! The representative acknowledged i was not responsible for the debt but when i asked for documentation that it had been removed they just kept asking for my daughters information. I asked for a manager and he said he could take care of it but only if i gave him my daughters phone number and she paid the debt. I have worked hard to rebuild my credit and this is not my debt and I WANT IT REMOVED FROM MY CREDIT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Product: Credit reporting or other personal consumer reports

The wrong information was on my report the wrong name and incorrect date of birth also was wrong on my credit report.
Product: Credit reporting

Equifax is incorrectly reporting my debt-to-credit ratio as shown in the uploaded document, Equifax shows my mortgage loan as part of the credit utilization at 94 % - original mortgage {$190000.00} with a balance of {$170000.00}, The company is also treating the installment auto loan the same with a utilization at 81 % from the original loan versus the balance. The other agencies are correctly reporting and have always reported the debt usage of my revolving credit, which is 5 %. The combined reporting is an average utilization of 71 %! Recently, Equifax reported " high balances '' versus available credit to creditors causing me to be declined credit with an XXXX credit score. For the dispute, Equifax simply re-confirmed the " high balances '' with the mortgage holder and auto loan lender. Thank you for your assistance,
Product: Debt collection

CREDENCE RM is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Debt collection

I received a notice from a third-party XXXX XXXX XXXX XXXX XXXX Debt Collector License XXXX, stating this is a charge off account in the amount of {$5400.00} they are attempting to collect on behalf of Cavalry SPVI, LLC. If this is a charge off account why is a third party trying to collect? Per company they sold this account to a third party for collection as of XXXX. Financially I am not able to pay this account off or make arrangements to pay it off. This debt is over five years old. I feel I am being harassed by the Process Service XXXX XXXX, who has come to my place five times and has spoken to the Leasing Manager regarding if I live here or not, she did verify I live here. Also, he knocked on my neighbor door ( # XXXX ) and stated he was a Process Servicer and did XXXX live across the hall ( this was caught on my XXXX camera ), my neighbor stated he did not know. He ( XXXX XXXX. ) came again and spoke with the Leasing Manager telling her I should accept the summon because I do not want a judgement on my record. He is giving out my personal information that has nothing to do with this establishment. I feel this is an attempt to defame my character for something that occurred over five years ago due to me losing my employment.
Product: Debt collection

GATESTONE COLLECTIONS. When making a payment no receipt or confirmation number is generated to verify the payment has been made. Even after the payment has cleared. Further, GATESTONE only shows the total amount owed and does not include the amount of the agreed settlement amount owed. It is also almost impossible to reach anyone at GATESTONE and further when you do reach someone they are in XXXX and do not understand or speak XXXX very well. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything on my credit Report should be 100 % Accurate. This is not so in the case of XXXX XXXX with account number XXXX which has several blatant inaccuracies among all three bureaus, such as different open date, different date last active, different account number different date of last payment and different payment history. These inaccuracies are grounds for removal. They also Violated my rights under 15 U.S.C 1681 section 604A which states that I have a right to privacy. 15 U.S.C 1681 section 604 A, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.

I responded to the company '' s response and sent it off without attaching the appropiate document so i had to submit a new complaint in order to attach the document.
Product: Checking or savings account

I had a savings acct and a CD with XXXX by Goldman Sachs. On XX/XX/XXXX instructions were given to close and wire my savings acct funds ( over 6 figures ) and then also, on CD renewal XX/XX/XXXX, close and wire those funds as well. After a 4 hour call on XX/XX/XXXX neither wire transfers had been initiated. I immediately asked that the accounts be combined and wired. On XX/XX/XXXX the savings account funds were sent but not the CD funds. Each time I would inquire the excuse was they got a account number on the wire incorrect. The receiving bank would initiate contact with no response from Goldman Sachs. This bank is externally linked to my account with Goldman Sachs. I have requested a call back on 5 occasions from anyone with XXXX. No one has attempted to call me. Every business day since XX/XX/XXXX I have contacted XXXX with Goldman Sachs and constantly got the run around. It is XX/XX/XXXX and instead of calling me with their error, they redeposited my funds in a new CD without my consent. I am now currently on hold requesting the wire yet again. I have instant chat conversations and multiple names and call logs with Goldman Sachs. They will not give me any supporting documentation of the activity of my funds since they closed the CD on XX/XX/XXXX. When I was told the account number was wrong, I asked what information they had so I could correct their mistake. Again, phone agent couldn't support any of the history of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters with regards to my request of removing the items in question and my last request was sent XX/XX/2021. However, any modes of response or coordination were not taken on their end. They 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 Bureau, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXX  XXXX XXXX Balance {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following creditors have violated my rights. 

Creditor : XXXX XXXX  Account number : XXXX Amount : {$390.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$260.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3400.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$3900.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Account number : XXXX Amount : {$520.00} XXXX Creditor : XXXX XXXX Account number : XXXX Amount : {$330.00} Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information in my credit report and to address violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I have reviewed my Experian credit report dated XX/XX/year>, and found the following item ( s ) to be incomplete and inaccurate : Item ( s ) in Dispute : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX These accounts have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 USC 1681e ( b ) : According to this section, 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. The inaccuracies and incomplete information present in my report indicate a failure to adhere to this requirement.

Violation of 15 USC 1681i ( a ) ( 5 ) : This section mandates that if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable after a reinvestigation, the consumer reporting agency shall promptly delete or modify that item and notify the furnisher of the change. The information in my report remains uncorrected despite being inaccurate and incomplete.

Violation of 15 USC 1681s-2 : This section prohibits any person from furnishing information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The continued presence of these disputed accounts on my credit report demonstrates non-compliance with this provision.
Product: Credit card or prepaid card

I contacted Capital One about a card being declined. Mind you, I waited on hold for 90 minutes just to get through. They said they had no record of the transaction being processed so it was most likely on the merchant 's end. I asked for proof of that so I could prove to the merchant that my bank had cleared the transaction. I had the rep spell out his name on the call, XXXX and his ID was XXXX. He told me an email with verification was coming soon. I told him I was checking and to wait while I checked my inbox. The call disconnected. After waiting all that time, the rep hung up on me in the middle of verifying he did as I asked ...? I was dumbfounded. 

I called my phone company, and tech support confirmed that the call was dropped on the bank 's end. As of now, a few hours later, no email. Was the representative fraud? Why was I treated this way?
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXX - XXXX - {$0.00} I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I sent 3 letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute a fraudulent vehicle purchase and loan agreement associated with my name and personal information. On XX/XX/XXXX, a XXXX XXXX XXXX was reportedly purchased at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX under my name and with financing provided by XXXX XXXX XXXX. However, I did not sign for this loan nor was I present at the time of the transaction. 

To clarify, I did not authorize the purchase or loan and did not physically sign any documentation for the vehicle. I have never been to the dealership, nor have I interacted with the seller, XXXX XXXX, at any point in time. Upon contacting XXXX XXXX regarding this issue, I was given the run-around and directed to speak with the owner, who has failed to provide a resolution. As a result, I have also contacted XXXX XXXX XXXX, submitted an identity theft report, and requested an investigation, but was informed that there was nothing they could do to resolve the matter. 

This situation clearly constitutes identity theft and fraud, as someone else used my personal information without my consent to procure the vehicle and loan. The actions of the dealership and any individuals involved in this fraudulent transaction are unlawful and a violation of my rights under both federal and state law. 


I request that you immediately investigate this matter and take the following actions : XXXX. Provide a full investigation into this fraudulent loan and the circumstances surrounding the vehicle purchase. 

XXXX. Cancel the loan associated with the fraudulent transaction and remove any associated negative credit reporting resulting from this matter. 

XXXX. Provide written confirmation that no further action will be taken regarding the loan under my name, and that my credit report will be cleared of any fraudulent accounts. 

XXXX. Initiate legal action if necessary against the individuals responsible for this identity theft and fraud, including the dealership and any employees or agents who facilitated the transaction. 

This situation is in clear violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable state laws governing identity theft and fraud. Under the Identity Theft and XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the use of someone elses personal information without consent is a federal offense. I am entitled to dispute this fraudulent transaction and request that any associated debts be nullified as I have not authorized them in any way. 

I kindly request that you treat this matter with urgency and provide me with an update on the status of your investigation at your earliest convenience. Please confirm in writing that this fraudulent loan will be removed from my records. 

Thank you for your prompt attention to this matter. I look forward to your swift resolution.
Product: Credit reporting or other personal consumer reports

Capital One furnished my information regarding my Transactions with them to non-affiliated third parties without my consent which they CAN NOT DO, according to 15 U.S. Code 6802a - Obligations with respect to disclosures of personal information. 

Furthermore, according to 15 U.S. Code 1681a ( 2 ) ( i ) - Definitions ; rules of construction, which states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report... 

Therefore, the transactions between me and Capital One should not be reflected on my consumer report. 

Lastly, per 15 U.S. Code 1681s2 ( A ) which states : 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. 

In addition, section ( B ) states : A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

See attached consumer report for INACCURATE information Highlighted and Circled in RED that being reported on my consumer report, which I never approved to be furnished to non-affiliated third parties in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the accounts are erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$16.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$52.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any o
ther 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.