23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDOT BUREAS HABE NOT REMOVED FRAUD ACCOUNT ITS BEEN MORE THAM 30 day they are in violation of the " FAIR CARES ACT '' DEPT OF EDUCATION/XXXX  Balance details 11 % paid off Balance {$4600.00} Balance updated XXXX XXXX, XXXX Original balance {$5200.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Education Payment summary XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Open/Never late. 
Status updated XXXX XXXX Original balance {$5200.00} Monthly payment {$0.00} Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 180 Months Company sold - Original creditor - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, NE XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Received threatening call at my place of work. Caller identified himself as XXXX XXXX from XXXX XXXX. He verbally called me names such as " XXXX '' " Lying XXXX ''. Threatened to garnish wages, sue for total of {$15000.00} when judgment only states {$5000.00} and not mentioning of any current legal law suit or legal documents to state his facts. Furthermore, I verbally requested for them not contact me at work or during working hours and verbally requested all notifications to be done via letters by usps mail ; however, they keep calling. Collector stated that he does n't have to contact via mail and that he can do whatever he wants. I am concerned for my well being and mental health if this does n't get resolved ASAP.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed consumer credit report, there are several fraud/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given TRANSUNION permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated.

The aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX bought this debt from Capital One Bank USA. However this debt has been dismissed by a court in XXXX, MD and should be deleted. I will include the attached Maryland Judiciary Case Search file to this complaint for viewing. Please remove this from the file asap. Additionally I am impacted by Covid19. Please not this all stemmed from the Capital One Banks phone teams mishandlings of the file. They were very XXXX and tribal toward me. Putting me on long hold times and shouting like animals at me. Making the servicing and handling of this account impossible. The XXXX girls and XXXX girls were especially mean. This was vengefully sabotaged. The practice is called " derogatory the privileged white mans credit and finances '', unfortunately this movement of sorts is going on in call servicing centers around the united states. They chastised me when i mentioned i voted for trump. The call center suffered from " trump deraingement syndrome '', a now very popular term. I saved dozens of recorded phone instances. The judge deleted this case and it now needs removed from my credit. The fair debt collection practices act was broken and amounts as well as fees inflated. To avoid further legal action and civil suite please remove all negative credit reporting. Please do this for experian, equifax and transunion. Respond in writing to this complaint that you did so. Provide me a copy of this in writing by paper copy printed and mailed once done. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been reporting incorrectly for a car loan that was established in XXXX and was included in my Chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. They are reporting it as 11 charge-offs and transferred to another lender. This is greatly effecting my credit score which I have been trying very hard to re-establish. I have tried on a few occasions already to dispute and have corrected by the credit agencies and the lender. This needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

A collection agency named : The CBE Group reported a collection on my credit report for the amount of 4XXXX from XXXX XXXX on XX/XX/2018. This is not my Debt, so I contacted The CBE Group and they verified that a person with my same name in California had the Debt. again, I told them this is not me and they asked if my last XXXX of my social was**** and i told them No, my last 4 is ****. CBE then stated that since I was not the person on the collections account, they could not give any further info. I told them that its obviuosly not me on their account, so take this off my credit report, and they stated " sorry, we cant help you ''. I told them I live in Missouri, not in California. They still refused to help resolve this false credit reporting that they made on my credit report. 

The CBE Group XXXX XXXX XXXX. 
XXXX, IA, XXXX XXXX
Product: Debt collection

To Whom It May Concern, I am writing to request the method of validation documentation for a debt you verified in XX/XX/2024. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ) ( 15 U.S.C. 1681i ( a ) ( 7 ) ), I have the right to request and receive a description of the procedure used to determine the accuracy and completeness of the information disputed, including the business name and address of any furnisher of information contacted in connection with such information. 

I am requesting that you provide the documentation and proof of validation for the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX Please provide a detailed description of the procedure you used to verify the accuracy of this debt, as well as any documentation you have that supports the validity of this debt. 

Failure to provide this information in a timely manner is a violation of the FCRA and will result in further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

Thank you for your immediate attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

PennyMac Loan Services LLC reported to the three credit companies a 30 day late/ non payment for the month of XX/XX/2022. While they are in a current dispute. This reporting of a missed/ non payment was falsely reported. because the dispute was sent to and received by PennyMac Loan Services LLC long before the standard, and legal15 day late payment grace period. The dispute was sent out XX/XX/2022 certified mail and was received by PennyMac Loan Services LLC on XXXX XXXX which stop all reporting of any late or missed payments fro that month and moving forward while the dispute is ongoing. Subsequently PennyMac Loan Services LLC hired XXXX XXXX XXXX XXXX. to illegally file a Civil Complaint for a Foreclosure while still dealing with a ongoing unresolved dispute of contract. PennyMac Loan Services LLC has ruined my credit and violated the 15 day late grace rule, They also are practicing abusive and deceptive debt collection, as cited by 15 U.S, Code 1692 ( a ). Also they are in violation of 1006.18
Product: Credit card or prepaid card

I have a Credit Card originally issued as a GM Card ( General Motors ) which I have had for more that 25 years. GM Card has become managed or owned by 'Capitol One ' of XXXX. XXXX XXXX XXXX, NC XXXX. My XXXX statement had a balance due of {$3000.00} due on XX/XX/2020. I paid {$2500.00} toward the balance on XX/XX/2020 leaving an unpaid balance carried forward of {$580.00}. My XXXX bill showed a current balance due of {$1500.00} of which I had a Interest charge of {$35.00}. The interest charge was on the unpaid balance from the previous month of {$580.00} so I was effectively charged 5.95 % interest for one months interest. That would be an annual percentage rate of 71 %. I would think that is a rather high interest rate by any standard. I complained to the company and they said it was charged from the date of purchase on the items. Had I known this I would have paid the entire balance in XXXX. Had I known this before XXXX I would have cancelled the card. These rates are predatory on credit card users and should be reviewed by your organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX  MI XXXX XXXX XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$8900.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX we decided to apply for a second credit card. In that process we realized that our credit reports had been frozen. We tried to unfreeze them at all 3 credit reporting companies. We were successful, except for the Experian credit report. After researching and trying to obtain login information & password in order to reset, I discovered that my username had been obtained when I worked at XXXX XXXXXXXX XXXX and there was a data breach. I retired from that company last XXXX. I have been trying since XX/XX/XXXX to get someone from Experian to assist me. I believe I just need the old username account deleted so that I am able to create a new account using my personal email, etc. We finally filed a complaint with the XXXX on XXXX because we could not get any help from Experian. Someone named XXXX left a voice mail later that day, but when we called her back ( many times ) she never answered the phone nor did she call us back in response to our messages we left. We received a response from our XXXX complaint that was incomplete, we responded to that reply and haven't heard anything since. Also sent an email to XXXX XXXX, the apparent CEO of Experian, on XXXX but have gotten no response. We have called 4-5 phone numbers multiple times since XXXX and was able to speak to a human being only once. He unfroze my account but had to escalate my case ( # XXXX ) as he was unable to determine what the problem with the username was. We have been working on this nearly daily for about 14 days and can not even find a person who is willing to respond or help us. It is ridiculous.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA subsection 605b ( 15 U.S.C 1681 c-2 ) that you, credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft an fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, an false information consists XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX account XXXX XXXX all are listed below.These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit report I attached a list of the aforementioned accounts, collection accounts, I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me.All of the aforementioned accounts, collections accounts are the result of identity theft and fraud.I have attached a copy of FTC identity Theft Criminal Complaint # ( XXXX ) as proof from US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.

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 has violated my rights.

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

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: Money transfers

The below copied transaction was made using my stored identity data housed with Western Union. Please look into this matter and warn consumers that Western Union has been compromised. I have reported this via phone call to Western Union 's fraud department. The tracking number is XXXX. I will also be emailing Western Union 's customer support to all my information removed. 
XXXX, Your money transfer 's complete. 
XXXX will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
Need help? Chat online or call us toll free XXXX at XXXX. 
Thanks for using Western Union. 
For a mobile transaction, this is your receipt. For all other transactions this is a summary of your online receipt.Your tracking number ( MTCN ) is : XXXX. 
Transaction Date : XX/XX/2017 XXXX ET Sender : Name : XXXX Address : XXXX CT City : XXXX State : SC ZIP Code : XXXX Phone Number : XXXX Receiver : Name : XXXX Country : XXXX Expected Payout Location : XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX  {$4400.00} XX/XX/2017 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I just opened an account with Wells Fargo as my employer gives benefits for using Wells Fargo. I deposited a cashiers or Bank Check from XXXX XXXX XXXXXXXX with my funds from my last account. First, after having my deposit at the ATM rejected I was told that new accounts were not allowed to make ATM or mobile deposits that I would need to go into the bank. I had to speak to 5 different people to finally get to the true answer and that I could make a deposit at the ATM and the alert was taken off my debit card. The debit card had been held to not allow for any ATM deposits which was wrong. The bank is not open when I am off work. I finally was able to deposit the check at the ATM and was given the receipt stating the check would be available the next business day which is appropriate as this is a GUARANTEED bank check. Then the next day I was told the check had a maximum hold of 10 business days. This is not a personal check or a check from anyone. It is a CASHIERS check with my previous checking account funds. I really wish I had not changed banks. I now have no access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon. my complaint is in regards to the XXXX XXXX XXXX account they have listed on my credit files. This account continues to be verified as accurate when in fact the information across all three bureaus is inconsistent. If this account was being properly investigated then the information should be consistent and correct. i have highlighted the inconsistencies and inaccurate information in my attachment to this complaint and detailed them below at the end of this complaint. i did not dispute that the account is not mine, i disputed that the account information posted to my credit files is inaccurate and inconsistent. Furthermore this account was charged off, therefore a 1099 was filed with the irs by XXXX XXXX and to date i have NOT received a 1099c from XXXX XXXX for which i am due in order to file my taxes. This account being charged off and filed with the irs by XXXX XXXX is now taxable income for me and income is not to appear on my credit files! im requesting that due to the credit bureaus negligence to properly identify and verify the information before it is placed on my credit file that this account is removed from my credit reports immediately because this is a violation of my fcra rights. 
INCONSISTENCIES found on " verified account '' : Account type : TU secured XXXX secured cXXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$3000.00} XXXX $ XXXX {$2000.00} Credit limit : XXXX $ XXXX $ XXXX XXXX {$0.00} Date last active : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 Date of last payment XXXX XX/XX/2019 XXXX XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

Since XXXX  I have been disputing this debt, and XXXX has been silent. I have never received any information regarding the debt and then they sued me for it. In negotiations with their attorney I paid the debt in full in exchange for it to be removed from my credit report. They dropped the lawsuit and only removed it from my XXXX  credit report but left it on my XXXX  and XXXX credit report. I simply want it removed from all my credit reports and the agreement I made with their attorney to be upheld. I disputed this multiple times to no avail.
Product: Credit reporting or other personal consumer reports

Loans or installments are not mine. Tried to dispute with the company and XXXX and had no success
Product: Mortgage

On XX/XX/22 I sent NewRez, XXXX XXXX XXXX, XXXX, TX XXXX, my mortgage payment plus {$50.00} of additional principal using my federal credit union 's online billpay service. On XX/XX/22 the XXXX indicated the check had cleared my account. On XX/XX/22, NewRez charged me {$47.00} for late fees, using the additional principal I had included with my billpay check.

I contacted NewRez on XX/XX/22, discussing this matter with XXXX XXXX, a customer service rep, with XXXX XXXX, a Supervisor, and with XXXX XXXX, an Escalation Specialist. 
After one-hour of waiting on hold, XXXX reversed the late fee which I had been charged.

NewRez not only did not credit my account as paid on XX/XX/22 when the check cleared, they charged me additional principal between XX/XX/22 and XX/XX/22 when the counted the check received. In addition, they unjustly compensated themselves for a late payment instead of attributing my payment to reduce the principal. 
I believe that NewRez needs an audit as I am not likely the ONLY VICTIM and they are likely charging many people late fees that are not justified.
Product: Debt collection

This letter is to inform you that the following information in my credit file needs to be deleted. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Acima Credit XXXX XXXX lease Charge-off XX/XX/2018 {$730.00} XXXX company removed from report and reported again on XXXX. No further information reported at this time.