23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My Name is XXXX XXXX XXXX living in XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX, my phone number is:XXXX. Today XX/XX/2020 Mr. XXXX XXXX did hack to my Bank Of America checking account to withdrawn amount of {$880000.00} USD. My bank customer fraud department called me on that time to confirm that Mr. XXXX XXXX try to get money out on chechecking account. She did question that to me and I did said I did not allow he to withdraw any money from my checking. I do not have much money on that checking. She did recommend me to close this account and open another account. This is Mr. XXXX XXXX information below : *- Driver License number : XXXX State of Florida , issued :XXXX expireres :XXXX. Address:XXXX  XXXX XXXX, XXXX , FL . XXXX. Tel : ( XXXX ) XXXX.US Passport number:XXXX. 
Please to help me to stop him did hacked to my account and another peoples. 
Thank you very much. Please let me know or have any question regarding above that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agency has refused to send verification. Account was removed by previous collections company and has now reappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the CRA ( Experian ). They have failed to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they failed to provide the method of verification as required under Section 611 ( a ) ( 7 ), which includes, but not limited to the business name and address of all furnishers of information contacted in connection with such information and the telephone number of such furnishers when they initially prepared the consumer report with the information, investigated the data, and reinvestigated it due to my current dispute. Experian said that they will not reinvestigate the accounts in question that I have attached with this complaint. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. The company came back and said that the accounts are accurate but have not produced any documents. I wrote them, along with a copy of my credit report outlining the inaccurate information. I don't believe that they did a proper investigation in this matter. These were some blatant inaccuracies and violations on my credit report per FCRA. My report # is XXXX Note : This is my second complaint.
Product: Credit reporting or other personal consumer reports

This company called XXXX XXXX XXXX have posted unauthorized collection on my Experian credit report They have violated 15 USC code 6802 and USC 6801 along with 15 USC 1681b and 18 USC1028A This account balance is {$680.00} and it was removed from Experian in XX/XX/year> The original holder for the collection was XXXX XXXXXXXX XXXX XXXX have illegally placed a collection on my Experian credit report i, m requesting the negative collection of {$680.00} be remove from my credit report on Experian credit Bureau
Product: Credit reporting or other personal consumer reports

hi, i reviewed my credit report and noticed some fraudulent accounts. could you please remove these accounts from my credit file report because they are affecting my ability to obtain credit. 

XXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Account number : XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX XXXX Date opened : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also Self lender as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

Line XXXX XXXXXXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the IRS is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Attached has all the information of what happen. On XX/XX/year> around XXXX I got a text from a XXXX digit number saying my card is being used for the amounts of XXXX, and XXXX. I was then called by the Navy Federal phone number who then told me about the situation. I hung up because I didnt have a good feeling about who called me so I called navy federal myself and asked to be transferred to the fraud department. They put me on a call back list and was called back by the navy federal number. I followed what they were telling me that they were the cyber department of fraud and needed to transfer money back to navy federal there was 4 transactions ( stated in the attachments ) and then hung up on. I was scammed. Navy federal never called me back I had to reach back out to them about what just happen and why was it happening. They never answered any of my questions about my denial and appeals. They said they need more information but Ive constantly stated that it has happened to me. I have made 3 payments to the loan and now have {$2.00} left to pay now since the interest on loan was so high.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report when i noticed that my XXXX XXXX XXXX account showed a balance {$770.00} on equifax, and it shows a balance of {$830.00} on XXXX. this is a clear violation of inaccurate reporting. this is as of XX/XX/2022 i also noticed my XXXX XXXX XXXX XXXX account shows on equifax that the balance is {$640.00} as of XX/XX/2022 but on XXXX  it shows a balance of {$710.00} this is a violation the FCRA which states credit reporting must be 100 % accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously opened a dispute with XXXX XXXX regarding them showing that I was over 60 days late on two payments, one in XXXX of XXXX and XXXX in XXXX of XXXX. This was incorrect as I have proof that I paid on time both months. I submitted this proof in a dispute and it was deemed accurate and the late payments were removed from my account. The following month however, XXXX XXXX replaced the late payments again. They've done this twice. Every time I prove the payments weren't made late its temporarily removed and then they're allowed to simply put the late payments back on my report the following month. It just keeps reappearing despite having the late payments removed multiple times.
Product: Debt collection

This company sent out a letter stating I still owed them money for rent and they agreed to let me go then sent a letter to my new address demanding payment. XX/XX/2022 {$3200.00} interest, {$140.00} and adding interest causing my credit to score to go down without even negotiating with me. XXXX XXXX XXXX Properties and IQ DATA the collector in their behalf.
Product: Credit card

I am trying to make a payment using every card possible I have so I can receive a payment and no transactions will go through. They all keep getting denied. I can't transfer money or do anything in XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I learned that XXXX had greatly downgraded my credit score and requested a report to learn the reason. The report indicated a debt to Capital One. The last bill I received from Capital One ( by email, as was every other prior bill ) was paid in full in XX/XX/2022 ; and I have not received any communication ( email, mail or phone call ) from them since. I called the bank on XX/XX/XXXX and learned that there were charges totaling {$20.00} made in XXXX and XXXX. I am not disputing this, only the interest and late fees which came to {$100.00}. The first person I spoke with at the bank could not explain why I had not received any emailed statements, and said " the system '' could only allow her to waive {$40.00} in fees. I then spoke with a manager who claimed that they did send me emails, but they were " undeliverable. '' At first he would not provide the email they had on file, but then asked me for it. When I provided it, he told me it matched the one on file. I was told that it was my responsibility to check my statements and to ask my email provider why I was not receiving the bank 's emails. When I asked why did they not call me, I was told they have too many customers to follow up on instances like mine. I authorized a payment of {$20.00} from my bank account and requested that my account with Capital One be closed. The manager agreed to do so, but said the bank might continue to bill me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ftc violations FTC alleges car dealers falsified consumers income on financing forms By : XXXX XXXX XXXX XX/XX/2018 XXXX SHARE THIS PAGE XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX and Loans Whether its a slimmer waist or an imaginary yacht superimposed in the background, were all familiar with the dramatic changes that retouching can make to a photo. A lawsuit the FTC has filed against XXXX XXXX XXXX and related companies alleges among other things that the defendants substantially retouched the financial circumstances of customers trying to finance cars. 

The defendants are four affiliated auto dealers in New Mexico and Arizona near the border of the XXXX XXXX. When customers want to finance a car, XXXX includes the terms of the deal in a retail installment contract. Like others in the industry, XXXX seeks to assign that contract to a third party for example, a bank or finance company. To decide whether to accept the contract, those companies will look at the customers financing application, which discloses their monthly income and down payment. If the companies dont like what they see, the deal may not go through. 

The FTC alleges that in many ins
Product: Credit reporting or other personal consumer reports

I am disputing several hard inquiries listed on my credit report that are inaccurate and unauthorized. These inquiries, which are the result of identity theft, have been incorrectly recorded on my credit report. Despite my efforts to resolve this matter through the official website, the inquiries have not been removed. 

Details of the Inquiries : XX/XX/XXXX - Wells XXXX XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv XX/XX/XXXX - Wells Fargo Card Serv Actions XXXX : Initial Dispute : I submitted disputes regarding these inquiries through the online dispute resolution system on the credit reporting agency 's official website ( XXXX ) XXXX Despite this action, the inquiries remain on my credit report, and no resolution has been provided. 

Request for Resolution : I am requesting the immediate removal of these unauthorized inquiries from my credit report. I believe that resolving this matter promptly will align with the principles of accuracy and fairness as stipulated by consumer protection laws. 

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

In XXXX of 2019 I decided I wanted to buy a home. I went to a place called XXXX XXXX XXXX. At XXXX XXXX XXXX   they started off by asking what my credit score was and I had no idea at the time. They recommended I got my credit report pulled and we go from there. As we reviewed my report I noticed a numerous of things that were not mine. Can you please remove the following items from my report. XXXX/XXXX XXXX {$640.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XXXX {$320.00}, XXXX XXXX XXXX I XXXX {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My accounts with Capital One have always been enrolled in the companies autopay system. From the months of XXXX to XXXX of 2019, the card on file was not being charged. I was under the impression that my accounts were enrolled in an autopay system, as they always have been. When I realized I had missed payments, I immediately reached out to Capital One and was assured these late payments would be removed on my behalf as it was a failure on the autopay systems behalf and not my own. When I called back in 2019 to talk to a representative, I explained that I was taking care of my mother who had recently XXXX XXXX XXXX XXXXXXXX XXXX. I was not residing at my current address, as I left the county to stay with my mother. I did not receive any correspondence that my payments were not being received, and again, I truly believed my accounts were enrolled in an automatic payment system. The nice representative I spoke to transferred me to a supervisor and by the end of the call, I was assured these late payments would be removed on my account due to unforeseen and challenging circumstances and the fact that the autopay system did not charge my card on file. The supervisor also stated because I was a good customer, she would as a goodwill and gesture of good faith remove the late payments. I recently retrieved a copy of my credit report and saw that the late payments still remain on my file. I ask that someone please assist me as promised long ago. The records will show that I had never been late with a payment until these unfortunate series of events. I have been prompt and have never missed another payment since 2019.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00}.
Product: Debt collection

This number and 20 others are from portfolio recovery. They call early morning and late night both home and cellphone on a constant bases. I have answered the phone and nobody is there so I hang up. This has been going on for years. I have been on do not call a few times and still calls come through. I don't know what to do. I feel that are harassing me because they keep calling and do not leave messages or talk to me when I answer.
Product: Debt collection

I am writing to formally dispute a charge-off account with American Express that is currently being pursued by a third-party debt collector. The account was reported as a charge-off ; however, I have not received the required 1099-C Cancellation of Debt form, which is a legal obligation when a creditor forgives or cancels a debt of {$600.00} or more. By failing to issue this form, American Express is not in compliance with IRS regulations, as this unreported debt is being treated as income to me. As a result, this creates a significant tax implication and is not only an error in reporting but also an issue that could potentially affect my tax filings. The two amounts are {$2600.00}, and {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned from  XXXX  in   XX/XX/XXXX , a nd in an attempt to get an apartment I learned about credit cards that had been opened in my name. I was a   XXXX   XXXX   fro m XX/XX/XXXX  unti l   XX/XX/XXXX , a nd then returned  in  XX/XX/XXXX  through  XX/XX/XXXX  t o  XXXX   XXXX  and   XXXX   at   XXXX   XXXX   XXXX  .     - According the credit reports I have managed to obtain, all accounts were opened and used while I was in  XXXX . I filed a letter with each credit reporting agency and with the credit card companies. Several companies immediately resolved the issue and closed the accounts -  two have  been removed from my credit report and I believe the remaining accounts will come off soon, as they said they would be. I received a response from  XXXX  that they had no record of the account and then refused to continue any investigation ; additional letters only resulted in their sending me a package with all statements from the fraudulent account.     - The disputes came back from each CRA, including  XXXX  and Experian, with no changes. I have sent all CRA 's, including   XXXX   and Experian, substantial proof that I was living in  XXXX  at the time the accounts were opened and used in the United States. Regardless,   XXXX   and Experian have not fully investigated the issue or accounts nor removed the fraud from my credit report permanently.   XXXX   only finalized this issue because of the complaint with CFPB because they realized they did not follow the law in completing the investigation.  XXXX  and Experian are also not following the laws in credit reporting by not accurately and completely investigating the issue despite all of the documentation provided.     - Becoming  XXXX  as an adult and not able to use   XXXX   XXXX    ( or  XXXX  ), it  is very difficult to communicate with the credit card companies myself. I send everything through letters or fax but those documents are not accepted as they will only " speak '' with me over the phone in order to validate my information.     - There are a lot of errors on my account, including names, addresses, phone numbers, inquiries, and credit accounts.     - I have again attached documentation of proof of   XXXX   XXXX    timeframe from   XX/XX/XXXX  until  XX/XX/XXXX  i n  XXXX , police report, and FT C Affidavit.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be updated right away. 
XXXX XXXX XXXX
Product: Debt collection

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX ( XXXX ), and I have XXXX loans with XXXX XXXX XXXX. XX/XX/year> loan payments were all made on XX/XX/XXXX XXXX then at the end of the month on XX/XX/XXXX Sunday I received a letter from this loan company infoming me that loan XXXX  XXXX ws past due. This letter was dated XX/XX/year>, and it took over XXXX  days to arrive and nobody called me nor emailed me before this letter. It was XXXX  and I called XXXX next day on XXXX  and paid the full payment of {$1500.00} plus the late charge of {$77.00}. I didn't no why this particular payment did not go through, thought the info in the portal was not changed. I was assured that this would not negatively impact my credit score becaused it was paid within the same month of XXXX. 

My credit score was at around XXXX then, an today I noticed my credit score drop XXXX points to around XXXX due to " serious delinquent in payments ''. This was the only late payment incident and I would like to dispute such delinquent payments claim and get them removed from my credit report. 

thank you very much for your great help XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XXXX XXXX XXXX to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX
Product: Credit reporting 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 - XX/XX/XXXX XXXX  XXXX {$38000.00} XX/XX/XXXX NAMES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NOT RECOGNIZED XXXX XXXX, XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax -- -I have mailed them on 2 or 3 different occassions explaining to them that I have NO account with XXXX XXXX XXXX. 
Not only has it been over 30 days, they never even responded back in any form. 

I have NO rights with them, they get paid from these companies and us little people are left behind. 

Can I sue them for this false information?