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

PLEASE DELETE THIS ACCOUNT XXXX XXXX XXXXXXXX Identified Reporting Inaccuracies Discrepancy in Account Balance : XXXX reports a balance of {$270.00}, Experian reports {$0.00}, and XXXX reports {$270.00}. 
This violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which mandates furnishers to report accurate and consistent information to all credit bureaus. 
1. Inconsistent Payment History : XXXX and Experian report 30-day and 60-day delinquencies, while XXXX reflects no late payments ( 30 : 0, 60 : 0, 90 : 0 ).

This violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], requiring credit bureaus to promptly investigate and correct disputes regarding inconsistent payment histories.

3. Failure to Verify Account Details : No documentation has been provided to verify the accuracy of the accounts payment status or balance.

This violates FCRA Section 611 ( a ) ( 2 ) [ 15 U.S.C. 1681i ( a ) ( 2 ) ], which requires credit bureaus to notify data furnishers of disputes and reinvestigate reported inaccuracies. 
Improper Reporting of Account Status : XXXX and XXXX report the account as Derogatory, while Experian reports the account as Paid.

This violates CFPB regulations that require uniform and accurate reporting of consumer accounts to prevent misleading data from negatively impacting creditworthiness.

4. Misrepresentation of Charge-Off Details : The account comments include conflicting statements : " Charged off as bad debt '' and " Legally paid in full for less than the full balance. '' This is a violation of Metro 2 Compliance Standards, which require that account comments be accurate, non-contradictory, and reflective of the true status of the account. 
Failure to Correct Past Due Reporting : XXXX and XXXX continue to list a Past Due Amount of {$270.00}, while Experian reports {$0.00}.

This violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which prohibits the inclusion of inaccurate or misleading information on consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint against Equifax about the information being reported on my credit file. 

I reviewed a copy of my credit report and XXXXXX/XX/XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, and XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX, I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I have asked Equifax to Please contact XX/XX/XXXX and XXXX XXXX to investigate such an occurrence. 

I have requested four written updated copy of my credit report, which should be sent to the address listed. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. Also, as part of their investigation, I asked Equifax to please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

I have told them several times My name is : XXXX XXXX XXXX NOT XXXX XXXX XXXX and have asked several times to remove it. ( REMOVE IMMEDIATELY ) Equifax Also has known as XXXX XXXX XXXX and XXXX XXXX XXXX I have asked several times to Please remove the following addresses from my report as they do not belong to me and are being reported in error : Wrong Addresses Reported : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX GA XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX XXXX XX/XX/XXXX GA XXXX ( REMOVE IMMEDIATELY ) I have asked several times to update My Current Employer is XX/XX/XXXX ( since XXXX XXXX and please update my file to reflect my current employer.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that 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 XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, 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 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 XXXXXX/XX/XXXX Incorrect Name - XXXX XXXX Incorrect Name - XXXX XXXX XXXX XXXX Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Incorrect Address - 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681e ( b ) : Permissible Purpose : under no other circumstantial may consumer information be shared unless the consumer have given written consent. 

I have written letters to Captial One, XXXX, XXXX and XXXX and have asked for documentation showing where I have given consent for Capital One to give my private information to the bureaus and I have asked each credit bureau for documentation where I have given them consent to obtain my private information. 

Furthermore, I DID NOT give Captial One permission to give me personal information to a 3rd party collection agency.

Criminal Liability ( CFRA 604 and 620 ) Imposes criminal liability of any officer or employer if they knowing and willfully obtain information on a consumer from a consumer reporting agency under false pretenses. 
If someone in XXXX furnished information in your consumer report from someone who did not have permissible purpose, you can that employee liable under FCRA Section 620 or 15 U.S. Code 1681n.
Product: Debt collection

Collections balance of {$2400.00} From Allied Collection Servic date shows up as XX/XX/2022. This is a result of identity theft I have tried several times to dispute this and the balance only continues to rise
Product: Debt collection

on XX/XX/XXXX I obtained line of credit from XXXX  XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX on XXXX XXXX  XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia XXXX XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector SELECTIVE PORTFOLIO SERVICING INC. with same line of credit but with different account number # XXXX ( amount of {$160000.00} XXXX  XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and their account number XXXX I never had any contract with them they never lend me any money and I received a letter dated XX/XX/XXXX threaten me will forclosure scheduled for XX/XX/XXXX. I need your help to prevent more damages to I, my family, and my property.
Product: Checking or savings account

Went to a Bank of American ATM on XXXX XXXX around XXXXXXXX XXXX to deposit {$300.00} in cash. Upon entering, I receive a notification of an error from the ATM machine that it did not accept the {$100.00} bills I inserted. After waiting 5 minutes, the transaction went through but only added {$200.00} to my account. I counted and deposited {$300.00} for certain and the ATM machine had a mechanical failure. I have already called and tried to dispute this with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX, TX XXXX XX/XX/2022 Dear Experian, I, XXXX XXXX consumer and a natural person am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

XXXX. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions. 

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open an account with my local credit union and was told that I'm in the XXXX, I pulled my XXXX report and it shows that santander bank if reporting a debt owed to a checking account, I never applied for a santander checking account, I don't have a santander bank in my area, the closest santander bank near me is more than 100 miles away, I need validation of the debt, I need the originla contract showing my signature and I need proof that this account was opened by me XXXX XXXX, I am a victim of identity theft and this account was opened under fraudulent pretense. remove this account from my XXXX report or I will file a suit.
Product: Debt collection

This collection agency is furnishing an alleged debt that is on my consumer report ( XXXX  XXXX  and XXXX ) The collection Agency JEFFERSON CAPITAL SYSTEM which is on XXXX XXXX XXXX XXXX XXXX, MN XXXX has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2021 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. The company has also violated these laws.

- 15 usc 1692b ( 2 ). Requesting location information from a family member saying i owe such debt - 15 usc 1692b ( 5 ) Using a symbol to indicate to the consumer that the debt collector is in the debt collection business - 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place - 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication.

- 15 usc 1692d ( 1 ) using the means of harm to damage my reputation - 15 usc 1692d ( 2 ) The use of profane language which is used to abuse the hearer or reader - 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number - 15 usc 1692e ( 2 ) The false representation of the legal status of a debt - 15 usc 1692f ( 1 ) The collection of any amount unless such amount is expressly authorized by the agreement creating the debt - 15 usc 1692g ( a ) Failure to provide the 5 things to prove the comsumer owes a debt within 5 business days.

There is over {$15000.00} listed in violations of the FDCPA and if this issue is not resolved i will pursue litigation with this company I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$15000.00} for violations of the FDCPA.
Product: Credit reporting or other personal consumer reports

In XXXX, received a letter from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX decreasing my credit limit on my credit cards stating that the received information from the credit bureaus ( Equifax, XXXX, XXXX ) that lead them to make this decision. I never authorized for this pull on my credit report, I requested to be opted out of sharing my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Besides, the inaccurate information about my inquiries and personal information are still on my reports. Therefore, Experian 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 inquiries and personal information that are still reporting on my account : Inquiries : XXXX XXXX NA Date of Inquiry XX/XX/XXXX XXXX CARD Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX
Product: Debt collection

In Late XXXX, XXXX I contacted Barclays to check on an ongoing research and recovery of my account information by Barclays to possibly reach a settlement on my XXXX Extra point reward card ( XXXX XXXX ). I spoke with XXXX in the collections department He told me congrats that settlement offer agreement went through and he gave me the details of the agreement such as 3 lump some payments of XXXX to be sent in starting on XXXX XXXX, XXXX XXXX and XX/XX/2021. XXXX told me also that my settlement letter will be mailed to me I asked for an email as well. I felt good since I had followed what the Federal Trade Commission recommended to settle directly with my creditors. So now I made the first of three payments on time and it is XXXX XXXX. And. Barclays still has not sent me my copy of the settlement offer agreement letter. I am told that the settlement is in place that it is a computer glinch and not to worry. But I am worried because all other creditor I settled with sent the letters and I want to make sure that I am protected against deceptive collections practices by the Federal Trade Commission. I just want the letter And the settlement that I am promised on their recorded phone lines. I want resolve between me and one of my good creditors. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account number XXXX, has violated my rights.

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer agency can not furnish a account without my written instructions Under FRCA 611 ( a ) I am disputing the completeness and accuracy of the information being reported to you by XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, PA XXXX. Account number XXXX. 

I dispute this debt as I have never opened an account with this collection agency therefore ; the collection agency is inaccurately and erroneously reporting a 30-day late notation. I request an investigation and removal of this collection account from my credit report.

Additionally, under FRCA 611 ( a ) ( 2 ) you are to forward this dispute along with all relevant information regarding the dispute to the collection agency within five days of this request ; and, you are to provide me written notification of their investigation along with your reinvestigation within 30 days of the date of this letter.

Please be advised that I will not accept the typical automated E-Oscar verification process as it is not a true reinvestigation of the disputed item. Thus, should you receive verification from the collection agency based on the E-Oscar verification method, I further request you provide a full description of the procedure used to determine the accuracy and completeness of the disputed item under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX  XXXX XXXX Balance : {$260.00} XXXX  XXXX XXXX Balance : {$290.00}
Product: Credit reporting 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 accounts need to be investigated and corrected 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report XX/XX/year> and noticed two fraudulent accounts on my report. I disputed with XXXX, experian and XXXX and they said everything was correct but that is not the case. The response about my report is not accurate. 
This is not my account. I have no knowledge of this account. 15 USC 1681b. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I took out a loan for a XXXX XXXX XXXX in XXXX XXXX. Since then the payments I have been making are {$510.00}. this was purchased from an authorized XXXX XXXX in XXXX, GA and the lending company used was Santander. The interest rate that I was given is 25.4 % interest. There have been a few months where i was late on payments, The total late charges were {$340.00} however just recently on the XXXX of XXXX i contacted them to make the payment for all the late charges as well as the current payment for the month. I also inquired in how to start paying advanced payments and how to get them applied to loan principal. The operator advised us after the recent payment made on the XXXX the account was up to date, and that the way to make sure payments were applied to the loan is to pay the minimum monthly payment each month, and then make a second payment and call them to indicate them to apply to the principal. then i called again on XX/XX/XXXX with the intention to make a second payment to apply to the principal however the operator this time said that the payment originally made on the day prior was not applied to the late fees, but to future payments, and that she would have to make a request or something to have the payment applied a certain way. so essentially, the problem is that these parasitic theives are doing the following : 1 - charging me 25.4 % interest on a car loan that originally cost approximately {$19000.00}, and after approximately 2.5 years i still owe around {$16000.00} usd 2 - now that i am trying to pay off the loan with advance payments, i am getting all sorts of runaround, not clear instructions, no support on how to pay off this loan. 

I dont want to start throwing money blindly at this foreign shady institucion Santander and i am out all sorts of money. 

any sort of help or guidance on how to deal with these people is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a purchase with XXXX XXXX XXXX it auto selects XXXX  payment that specifically says it will not check your credit. It has a learn more button and says no credit check. I dont need a payment plan it auto picks that as the first option. I am super XXXX that it says no credit check then i get an email saying it pulled my credit. That is so freaking illegal to say no credit then to pull it. I did not authorize it to pull.
Product: Money transfer, virtual currency, or money service

I transferred XXXX XXXX to coinbase dated XXXX/XXXX/XXXX and the money is still not available as per promised. please help in resolving this. 

email : XXXXXXXXXXXX company : coinbase / XXXX
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXXfor {$70.00} that was returned. The payment showed as though it went through on that months statement. The next month it says it was returned so I selected to pay off my balance on the card entirely. Then apparently that didnt include the return payment fee. I was then charged 2 late fees interest and finance charges on the {$25.00} fee that didnt show up on my balance after a month it was supposedly returned when I made the payment by the due date and was told there was nothing they could do to remove the return fee and only removed one of the late fees.