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

XXXX XXXX XXXX  refuses to delete the acount on my credit report for {$1000.00} XXXX XXXX XXXX is reporting a balance of {$370.00} and XXXX XXXX XXXX is reporting a balance of {$33000.00} these must be deleted it has proven to be fraudulent my id social passport were stolen the XXXX XXXX used to open the credit Card accounts where traced to the perp XXXX XXXX and surveillance proves I didn't open the XXXX account and that my information was stolen and my number was spoofed and pings back to XXXX XXXX XXXX where the suspect XXXX XXXX used my information to open these accounts suspect is now deceased.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries that have appeared on my credit report. Please investigate and remove this inquiry promptly. XXXX - XX/XX/year>
Product: Debt collection

I received a garnishment for my wages to my employer in XX/XX/XXXX was never served and missed a court date which caused a judgement for a debt I was unaware of. I never received any mail from this creditor or debt collector to my knowledge. I do not know of any contact attempts made. However, I called them to request debt verification after my employer informed me. Approximate date of call was XX/XX/XXXX. I asked for debt verification through lvnv funding and then through XXXX XXXX XXXX I received nothing. The companies refused to provide it to me through email or electronically and advised it must be mailed. As of today XX/XX/XXXX I have not received anything.
Product: Credit card

On XX/XX/XXXX I applied for the Capital One Spark Business Card. I was searching for a card that had a good cashback bonus because I was traveling for my small business and had a large expense. The bonus at the time was " Earn a {$750.00} cash bonus, Earn this one-time bonus when you spend {$6000.00} within the first 3 months from account opening. '' I accessed this offer from a capital one page and there was a direct link to the application. I have attached a screenshot of the offer that I sent to a network of my peers because the offer was attractive and I wanted to share it with them. I took the application by clicking the button that says " Continue to my application ''. 

Upon applying for the card, I was approved and went about meeting the requirements of the offer. I allowed enough time to pass for Capital One to fulfill their end and called to find out when I could expect the bonus. When I called, they said that during the underwriting process, it was determined that I did not qualify for the offer. When I asked why, they said research was required and I would have to wait for a response. I was not able to answer their call when they returned the call but received an email simply saying I did not qualify for the offer with no reason. 

When I called back, I was told that this offer was NOT available at the time of my application however in addition to my screenshots, I was able to find online that this offer was available since XX/XX/XXXX, 3 months prior to my application. I told the agent that I had screenshots of the offer during that time and he said he will have someone call me with instructions on how to upload the screenshots. 

I received a call yesterday from another agent saying that during the underwriting process, I was declined for the offer and there was nothing I could do. However, they were not able to give me any specific reason why I was not qualified nor was I provided any adverse action on this decision. I do not believe the business has attempted to resolve the problem and based on the resource I used to apply for this, the advertising was deceitful and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Falsely gave permission to the following parties, using forged consent, to create hard iniquities on the following reports : XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Credit Report XX/XX/2023 XXXX XXXX XXXX XXXX Experian Credit Report. 

XX/XX/2023 XXXX XXXX Experian Credit Report. 

XX/XX/2023 Experian credit file locked for security reasons. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX Credit Report XXXX XXXX : Organization : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Country XXXX FR Phone : XXXX Fax : XXXX Email : XXXX XXXX
Product: Debt collection

I got sick and went XXXX and my phone was stolen in XXXX. I call XXXX and they never got my phone back or other phone, now they send my credit to the collector. 
I want dispute this problem but I dont know what to do, I need help, my phone number is XXXX,
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 

XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$920.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been paid in full and closed since XXXX of XXXX. I have try multiple times to do a dispute with credit bureaus and I comes back as I still have a balance with the company. But when I talk with sezzle on the phone they tell me I dont have a balance and they send me a email showing that there is no balance. And they told me it would take 2 months to update on credit report, but I been waiting since XXXX. There hasnt been an update on account since XX/XX/2022 on my credit report.I have attached and email send by sezzle stating that there is no balance.
Product: Credit reporting or other personal consumer reports

This is my complaint that the Bureaus did not Resolve my request to remove these negative Items from my Credit report. I CREDIT COLL Account Number : XXXX 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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 


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

Ive wrote the credit bureau multiple times requesting a contract or documents bearing my signature obligating me to these accounts which I still have not received and as a result I demand removal of the accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name ; XXXX XXXX XXXX Account number ; XXXX Account name XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX has violated my rights. 
I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and incorrect. 
And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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 incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS A CURRUPTION INSTITION THAT CALLED MY JOB NUMEROUS TIMES. THEY CUT OFF MY DEBIT AND CREDIT CARD NUMEROUS TIMES. THEY ARE IN VIOLATION OF THE SAILORS AND SOLDIERS ACT SAYING I OWE MONEY THAT I DONT. I HAD A SECUR3D CREDIT  CARD AND THEY SAY I HAVE A BALANCE. HOW IS THIS EVEN POSSIBLE. THIS BANK IS XXXX AND HAS A DISTAIN FOR ALL XXXX PEOPLE. 

Falsely threatened legal action and wage garnishment : The XXXX   XXXX sent letters to members threatening to take legal action unless they made a payment. But in reality, it seldom took any such actions. The CFPB found that the XXXX XXXX message to consumers of pay or be sued was inaccurate about 97 percent of the time, even among consumers who did not make a payment in response to the letters. The XXXX XXXX representatives also called members with similar verbal threats of legal action. And the XXXX XXXX threatened to garnish wages when it had no intention or authority to do so. 
Falsely threatened to contact commanding officers to pressure servicemembers to repay : The XXXX XXXX sent letters to dozens of servicemembers threatening that the XXXX XXXX would contact their commanding officers if they did not promptly make a payment. The XXXX XXXX  representatives also communicated these threats by telephone. For members of the military, consumer credit problems can result in disciplinary proceedings or lead to revocation of a security clearance. The XXXX XXXX was not authorized and did not intend to contact the servicemembers chains of command about the debts it was attempting to collect. 
Misrepresented credit consequences of falling behind on a loan : The credit union sent about 68,000 letters to members misrepresenting the credit consequences of falling behind on a XXXX XXXX XXXX XXXX  loan. Many of the letters said that consumers would find it difficult, if not impossible to obtain additional credit because they were behind on their loan. But the XXXX XXXX had no basis for that claim, as it did not review consumer credit files before sending the letters. The XXXX XXXX also misrepresented its influence on a consumers credit rating, implying that it could raise or lower the rating or affect a consumers access to credit. As a furnisher, the XXXX   XXXX  could supply information to the credit reporting companies but it could not determine a consumers credit score.

Illegally froze members access to their accounts : The XXXX XXXX froze electronic account access and disabled electronic services for about 700,000 accounts after consumers became delinquent on a XXXX XXXX XXXX XXXX  credit product. This meant delinquency on a loan could shut down a consumers debit card, ATM, and online access to the consumers checking account. The only account actions consumers could take online would be to make payments on delinquent or overdrawn accounts.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity & Equifax will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I started a dispute in regards to duplicate accounts being report on my account for 1-auto loan I had with Santander/Lending club that was paid in full in XX/XX/XXXX to XXXX balance but was being reported as an open and still revolving credit. After I did so, the account was updated to reflect XXXX balance but then reported that the account was delinquent 2 times in XXXX more than 60 days in XXXX and XXXX of XXXX which was false information. This negligence/false reporting caused my credit score to drop significantly by over XXXX points across all 3-credit reporting bureaus. Causing me to be denied business credit because my credit dropped from good to fair, low XXXX to mid XXXX. After the dispute and correction I did not get my points back due to their error and now cant regain the credit access I have worked hard to maintain.
Product: Debt collection

Dates : XX/XX/XXXX and XX/XX/XXXX Amount : {$1700.00}. 
Falsely reporting inaccurate information to Credit bureaus. 
Company reporting false information : JEFFERSON CAPITAL SYST.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple disputes with experian to try and resolve getting a public record removed from my report. They keep saying the company that reported this to them says its accurate but I have a statement from the company showing otherwise. I submitted this form to them and get no answer.
Product: Debt collection

XXXX XXXX consistently calling repeatedly threatening me at my home and My Job. Attempting to collecting a debt with no specific info but he specifically says hes going file detained order to lock me up and freeze my bank account. He is ruthless aggressively threatening and extremely intimidating me daily calling at least 8 times a day!!!!!! Harassment at my Job and Harrasing my Husband!
Product: Debt collection

Violation of THE FAIR DEBT COLLECTION PRACTICES ACT 809. Validation of debts 15 USC 1692g XX/XX/XXXX I submitted a Certified letter of dispute and debt validation letters to Cedar Financial. 

Over a month went by I had received nothing from the company. 

However I received a copy of an old email correspondence between me and an unlicensed property manager in a building that i once lived in. He told me if I moved out I wouldn't have any problems. However He only said that so I wouldn't appear in court. 

They had over 2 months to gather the information regarding proper debt validation. After 2 months went by they found some documents but still not fully complete. They did not comply by law they must have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called into TransUnion and XXXX to report fraudulent information on my credit file. There was another name listed on my credit file along with fraudulent addresses. They stated that they were unable to verify my identity on over the phone so I was instructed to mail in two forms ID. I mailed out dispute letters also 2 forms of ID. It has been 3 months now and they refuse to remove the fraudulent collections account on my credit file. This has been causing me not only financial hardship it has also been stressful. This is my final request for resolution before I seek counsel. They removed the names and addresses but the fraudulent accounts still remain.
Product: Debt collection

This number tried to call me before XXXX XXXX today, Saturday XX/XX/18.
Product: Checking or savings account

Logged into my WF online acct and was offered {$320.00} to open a checking acct. To receive the {$320.00} bonus you had make at least two {$500.00} direct deposits within a 90 day period which I did, payroll direct deposits were made on XXXX XXXX XXXX  after opening acct on XX/XX/XXXX with a {$25.00} deposit. Account to stay for 90 days and should receive {$320.00} bonus. After waiting more than 90 days and still no bonus I called customer service to receive update, was given investigation # INR XXXX on XX/XX/XXXX told would receive update in 10 business days via email. Received nothing, called again on XXXX, gave first complaint # which couldnt be located & no update was told that could only file another investigation. Given # INR XXXX on XXXX, its been 7 days and I still have no update. 
Received a call from XXXX, WF rep on XX/XX/XXXX. I returned his call on XX/XX/XXXX, I called again on XX/XX/XXXX. He returned my call on XX/XX/XXXX after he already closed my case. Not sure how you can properly investigate a case without speaking with the complaint. XXXX stated to me, the {$320.00} bonus was not given because I do not enter the promotional code. I stated to XXXX, the WF link do not provide a code nor was it listed in the instructions, it just prompted me to sign into my account. In fact I took a XXXX of the offer and it specifically states offer code will automatically be applied when completed through webpage as I did. I provided this XXXX to XXXX via email. XXXX stated he would take the new information to his supervisor and follow up with me, its been almost 2 weeks and I yet to hear from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections and Outsourcing are Reporting a Rental Debt that is beyond the Statue of Limitations. Subsequent, to my request to Validation of Debt, Fair Collections and Outsourcing sent me to the sign Rental Agreement and Ledger. The Ledger shows the First of Delinquency beginning around XX/XX/XXXX to XX/XX/XXXX and was never brought current in which led to the eviction process. Although, XXXX was supplied the Ledger, it  refused it and now Fair Collection and Outsourcing continues to report the debt on my Credit Reports.
Product: Debt collection

My mortgage account with Flagstar bank is currently in a temporary deferral status, due to the effects of COVID-19. I have been in contact with Flagstar ( online and by phone ) and provide them with regular updates regarding my status. On XX/XX/2020, an envelope was delivered to my home and left hanging on my fence. This occurred prior to XXXX. It was discovered by a friend, who had stopped by to pick up something I had left for her. The envelope was from Flagstar, and contained instructions to contact them. All XXXX of my children are remote learning at home during this time. This was extremely embarrassing for me and unnecessary for a number of reasons : 1 ) I have been in regular contact with Flagstar and have kept them apprised of my situation. 
2 ) I am in payment deferral status, due to COVID-19 and there should be no collection attempts. 
3 ) This was a collection attempt and was made outside normal hours. 
4 ) Our state is under a disaster proclamation ( Illinois Executive Order XXXX ), which limits this type of contact, due to fears of spreading the virus. 

The address where this occurred is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Consumer Loan

My PNC Bank application number is XXXX, I purchased XXXX on XXXX through XXXX XXXX XXXX on XXXX for {$46000.00}, 3.99 % interest rate for 60 months. I also refinanced with XXXX XXXX XXXX XXXX for 1.99 % for 60 months for {$47000.00} and received check from them on XXXX. PNC Bank is refusing to give the pay-off amount telling that they are still waiting for details from the dealer and no account has been created yet and refusing to give the account number. The dealer said they sent the contract around XXXX and told to contact PNC. PNC bank representative are telling to contact the dealer. It appears that PNC Bank is not happy with me for closing the loan too quick and want to get some interest from me. I request Office of the Consumer Finance and Protection Bureau to help me get the pay-off amount from PNC Bank and also request to waive the interest from XXXX since I would be paying interest for both the banks. Please call me XXXX or XXXX for my SSN number or Date of Birth or any other information required to resolve this issue. Thank you. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax leaked my personal data and credit information because they could n't be bothered to properly secure their web services. Millions of people were effected by this, and we are all at risk of having our identity stolen and fraud committed in our names. 

The fix Equifax has offered requires the victim to wave their legal rights to litigation. Equiifax deserves  every lawsuit coming to them.
Product: Debt collection

Navient Solutions , LLC . has contacted several of my family members about my student loan debt. They have contacted people that I do not speak with just because they have the same last name as me. I spoke with Navient and informed them that I lost my job and was denied unemployment and as a result would not be able to make my payments. As a result of this, I was asked if by one of their representatives if " a family member would lend me money to pay it? '' My family has nothing to do with my loans as they are not cosigners, and were not listed as references on my application. The Fair Debt Collection Practices Act states that " A debt collector is not allowed to contact a third-party more than once unless requested to do so by the third party ''. My family has received multiple calls from Navient and never requested to be called again. If this continues, I will tell them to pursue a claim against Navient for abuse or harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX, Account XXXX : XXXX, specifically for XX/XX/year>. I am requesting the immediate removal of these late payments from my credit report for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to allocate payments and credit accounts in a timely manner, ensuring accurate and fair reporting. The late payment reported by XXXX XXXX does not reflect this principle and appears to be an error. I request that the CFPB investigate this matter to ensure compliance with this statute.

2. No Legal Requirement to Report Transactions There is no law requiring creditors to report transactions, including late payments, to credit bureaus. The reporting of such information is voluntary, and the absence of my explicit consent to report this information raises concerns about my right to privacy.

3. Violation of My Privacy Rights XXXX XXXX reporting of my private financial data, including late payments, without my explicit consent constitutes a violation of my privacy. I have not provided authorization for my payment history or any related transactions to be shared with third-party credit reporting agencies. Reporting this information infringes upon my privacy and causes undue harm to my credit standing.