23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX and ALDOUS AND ASSOCIATES are trying team up and say I owe XXXX  {$330.00}. Which neither can provide an itemized statement for proof. I've asked several time for proof which no one can share. In XXXX I was furloughed due to Covid 19 and then laid off in XXXX. XXXX was always updated by me. During Covid my last conversation with XXXX was that I only {$67.00} ( {$49.00} annual fee + {$17.00} monthly fee ) I agreed to pay after I made my Personal Trainer payment arrangement of {$90.00} x 2 I still owed. In which my Personal Training ended XX/XX/XXXX per XXXX. I have bank statements showing these last two payments of {$90.00} made in XXXX of 2020. So they received my payments arranged! I then receive a letter in the mail from ALDOUS AND ASSOCIATE. Stating I owe {$330.00}, how??? And why am I now in collection? This is wrongly done by XXXX. I'm really confused and I want PROOF AND ALDOUS AND ASSOCIATES remived from my credit. I don't owe anything to ALDOUS AND ASSOCIATES. Please help me this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the early days of XXXX of 2019, I notified Experian of two specific accounts that were reporting on my credit report that were established due to identity theft without my knowledge and consent. I then immediately filed a Police report with my local authorities informing them if this matter. Since I have sent Experian a notarized letter of dispute, an affidavit, as well as a copy of the police report. It has now been beyond 30 days an I have not received any correspondence from Experian regarding my dispute. I am well aware of my consumer rights under the Fair Credit Reporting Act sections 605b, 609, and 611. Experian now is in violation and I expect them to adhere to the FCRA by removing the accounts XXXX # XXXX & XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX  XXXX XXXX XXXX {$1600.00} ; XXXX XXXX XXXX {$0.00} ; XXXXXXXX XXXX XXXX Balance {$2700.00} ; XXXX XXXX XXXX Balance {$29000.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$780.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}.
Product: Debt collection

There is an account that is my wife 's only and now showing up on my credit file because it is delinquent. I never signed to be financially responsible for this account and when it was positive it was not showing on my report. I tried to resolve and this company has nothing I signed. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint concerning the inaccurate reporting of multiple late payments by these creditors to Equifax. According to their records, several payments are falsely reported as late. These alleged late payments were made on time, yet this incorrect information remains on my credit report, causing harm to my credit score.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXXXXXX XXXX XXXX XXXX  States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries data from a dates from XXXX t0 XX/XX/20.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this CFPB complaint to report that my credit has been unlawfully used and that unfair practices are being conducted by TransUnion, XXXX, and XXXX. Not only have they added items to my credit without my written consent, but they also do not have the correct addresses on file. Specifically, I have noticed the following erroneous accounts on my credit report : Account # XXXX Balance = {$2100.00} Account # XXXX Balance = {$2000.00} Account # XXXX Balance = {$1000.00} Account # XXXX Balance = {$340.00} Account # XXXX Balance = {$1100.00} I urge an immediate investigation into these matters to safeguard consumers rights and ensure fair credit reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Vehicle loan or lease

I paid off the loan and the bank continued to take the money out of my account there fore making me overdraft my account and then they charge me an overdraft fee. This has benn happening for  over one year an d I am owe more money for over draft fee than they are will to provide.
Product: Debt collection

An individual by the name of  XXXX   XXXX  from a company called  ( Roquemore &amp; Roquemore ) in Texas, continues to harass me calling repeatedly not leaving any  detailed messages as to the purpose of the call. I tried calling back several times over the span of weeks, but she never seems to be available. I want this harassment to stop! ... Through research I found out that they are a skip tracing / collection agency.
Product: Credit reporting or other personal consumer reports

I've filed disputes with XXXX, XXXX and Equifax about a XXXX credit card on my credit file. This account should not be reporting on my credit with XXXX, Equifax or XXXX. The credit bureaus have not done a thorough investigation because if so the account would be removed already. This account was sold in 2020 and I had to pay taxes on this sold account I received info from the IRS which includes this account. This is my last time reaching before I contact Fair Credit Act attorney. I've been patient the last update to my credit file was back in 2020. Why is this account still reporting please remove this account immediately.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal notice that the credit bureau has failed to resolve my dispute or make contact with me within the stipulated 30-day period following the receipt of my initial letter.

One of the fundamental rights outlined in the Fair Credit Reporting Act mandates that a credit reporting agency MUST update or delete inaccurate information. The Credit Reporting agency has been granted thirty days to investigate this claim. Under the FCRA, it is obligatory that my dispute be resolved within this timeframe.

I am hereby requesting that my dispute be addressed immediately and that the following inaccurate items from my original request be updated : INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 USC 1681i ), 609 ( 15 USC 1681g ), and 604 ( 15 USC 1681b ). 

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed query : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I like to use trading apps like XXXX and XXXX but they use systems like XXXX to link your bank to the apps and currently PNC. Does not permit it, and its restricting my ability to invest and grow a portfolio.
Product: Checking or savings account

The checking account in reference is # XXXX and the problem began opening a checking account with direct deposit at the XXXX XXXX, NJ branch office of Chase. I had received an advertisement in the mail that stated if I opened a checking account at a branch with direct deposit, they will provide a {$300.00} bonus. So I opened the checking account at the referenced branch, showed the representative the advertisement, and he told me that the direct deposit has to kick in and then I will get the {$300.00} bonus. I went back after 3 months and asked them why I didn't get the funds, and they had no idea what I was talking about. This is false advertising and in violation of federal regulations. They should reimburse me for the funds they stated I was supposed to receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of 2019 my identity was stolen. Someone went to a shady website online called XXXX XXXX XXXX, and submitted multiple attempts to obtain an auto loan in my name. I found this out initially when I started receiving emails from multiple local companies about attempted auto loans in my name. Most of them didn't affect my credit but one local company put a hard inquiry on my report. I went to the store in person, obtained proof of the attempt to obtain a loan in my name. This documentation they of course have on file. The company has yet to contact the credit bureaus to remove the inquiry and both XXXX  and TransUnion will not remove the inquiry from my account despite attempts to dispute. They haven't asked for any documentation or inquired for further information. This ONE inquiry has substantially hindered my ability to improve my credit score. Please help! I am part of the XXXX data breach settlement which caused all of this in the first place. My credit accounts have had to be freezed indefinitely until my identity can be restored. Thank you for any help you can offer.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX  ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX : 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 XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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
Product: Debt collection

This company is reporting three collections on my credit report that continue to increase causing extreme harm to my credit. I am not sure where these balances come from and need them removed asap. This needs to be investigated because it may be happening to even more consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent in my police report and my FTC affidavit to the XXXX credit bureaus. I called last month and spoke to XXXX, XXXX, and Equifax XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with XXXX XXXX  deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Creditor Collection Services just reported a medical bill on my credit report from XXXX XXXX. First of all, this medical service was covered under a worker 's compensation claim. Futhermore, I never received a bill from XXXX XXXX about this service. If I had, I would have submitted it to the human resources dept of the liable employer, for payment. Additionally, I did not receive a 30-day notice of my right to dispute from Creditor Collection Services, prior to this bill appearing on my credit file.
Product: Credit card or prepaid card

in response to complaint XXXX-XXXX-my credit SPECIFICALLY gives notice to all agencies to contact me at XXXX-XXXX-XXXX  if inquiry is requested!!! capital one has NOT contacted me to verify that it is me attempting to request inquiry. THEY ARE A LIE!! This is NOT A VALID RESPONSE AND INACCURATE.if they contact me when i request they can verify that it is me and access my credit report
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 TransUnion, XXXX and XXXX  credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXX  days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal account opened at XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX, an XXXX  loan at XXXX XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX and XXXX  loan at XXXX XXXX XXXX XXXX around XX/XX/XXXX account number XXXX  XXXX, and a Chapt XXXX Bankruptcy around XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries such as XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports all collection activity related to said items cease pursuant to FCRA and FDCPA laws. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint XXXX  XXXX as proof from the XXXX XXXX XXXX XXXX that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I made several payments, the payments have cleared my checking account and have posted to my credit card account, but they havent applied them as credits or adjusted available balance or ability to use my cards. They stated it could be 5 more business days and that they had no way to verify that the payment has been received and cleared my bank, but theyve had the money for four business days now.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX XXXXXXXX - 2016 "
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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 XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX