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

Upon reviewing my updated personal credit report, I discovered that unauthorized credit inquiries persist. It appears that my credit has been compromised under your oversight. Despite submitting FTC report # XXXX, these inquiries remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries listed below. This complaint addresses several unauthorized hard credit inquiries on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference. I am deeply disappointed by your inaction. When will XXXX remove these erroneous hard inquiries from my credit file? My requests have been ignored for months. Please cease the delay tactics and remove the following inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This complaint serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Thank you for your prompt attention to this matter.
Product: Debt collection

After reviewing my credit report I notice a collection that I am not responsible for. Below is a copy of the collection on experian. I am a victim of idenity theft. 

XXXX XXXX XXXX Original creditor : XXXX XXXX 0 % of this account is paid off Balance on XXXX XXXX, XXXX {$3200.00} Original balance {$3200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Student loan

I submitted an IDR application ( number XXXX XXXX on XX/XX/XXXX. I still have not heard back. I need to be enrolled in IDR to start the PSLF process. I am losing months of eligibility as Cornerstone lags.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with The Fair Credit Reporting Act XXXX XXXX- XXXX XXXX 2021 XXXX  XXXX - XXXX XXXX 2021 XXXX XXXX- XXXX XXXX 2021 XXXX XXXX XX/XX/ 2021 XXXX XXXX - XX/XX/ 2021 XXXX  Acts Has Violated My Rights. 

15 U.S.C 1681 Section 602 A. States I Have The Right To Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a Consumer Reporting Agency can not Furnish a account without my Written Instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXXdays. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX - XXXX
Product: Debt collection

I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of. 

ACCORDING TO 15 U.S.C. 1681 section 602 A. States I have the right to privacy 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent XXXX, XXXX and Creditors Bureau Associates a letter disputing a a collection on my credit report. I asked them to provide the following information : 1. A copy of the original contract with my signature, 2.A detailed account statement showing the amount of debt and the fees 3. Documentation confirming that they have legal right to collect the debt 4. Any correspondence related to account that includes my signature or consent. 

I have not received any of the requested information and they are still reporting this as a collection on my credit report.
Product: Credit card

1. Account Information : The account in question is Account # XXXX. It was held with NAVY FEDERAL CREDIT UNION and was subsequently charged off on or about XX/XX/2024. 
2. Legal Obligation : Under IRS guidelines, creditors are required to issue a Form 1099-C to borrowers when a debt of {$600.00} or more is forgiven or discharged. This requirement ensures that consumers are able to accurately report such cancellations of debt as income for tax purposes. 
Nature of the Complaint : Despite repeated requests and inquiries, NAVY FEDERAL CREDIT UNION has failed to provide me with the required IRS Form 1099-C for the charged-off account. The absence of this document not only prevents me from fulfilling my tax obligations but also leaves me vulnerable to potential penalties or audits by the IRS. 
Additionally, the lack of transparency from the Creditor in this matter has caused unnecessary stress and confusion regarding my financial responsibilities.
Product: Vehicle loan or lease

Wells Fargo Auto loan, XXXX acknowledged an error in their online payment system where banking information for certain customers was deleted, unannounced to me my scheduled payment was not processed and was reported as a missed payment to the credit boroughs.

I have phone recordings of conversations with Wells-Fargo associates acknowledging the error but have made no progress in resolving the matter, the month 's payment in question was paid in full after later finding the error.
Product: Debt collection

I do not have an account or contract with you people. I have been going over the situation with Preferred lease since XXXX/2021. I have been told there is no contract and account. I have visited the local kiosk and confirmed there is no account. I have been told on several occasions the information would be updated with XXXX XXXX to take the fraudulent and erroneous delinquent account on my credit from Preferred Lease would be deleted. it has been 3 months and they have not corrected my report. They report a fictitious payment made in XXXX 2021. Again, I have no account and I never made a payment. Preferred lease will not provide me with a signed contract or validation of debt including said account where this payment was derived. Bottom line Preferred Lease is in violation as they are reporting fraudulent erroneous information to the credit bureau that is not validated. They are violating FCRA and fair debt collecting practices. They are causing unfavorable credit decisions due to the fraudulent account.
Product: Credit card or prepaid card

Bank of America 's Alaska Airlines Visa Signature card mentioned a {$200.00} statement credit and bonus miles in XX/XX/XXXX as indicated below : " Limited Time, Exclusive Online Offer {$200.00} Statement Credit + 40,000 Bonus Miles! 

Get a {$200.00} statement credit, 40,000 bonus miles and Alaska 's Famous Companion Fare from {$120.00} ( {$99.00} fare plus taxes and fees from {$22.00} ) with this offer. To qualify, make {$2000.00} or more in purchases within the first 90 days of opening your account. To qualify for the {$200.00} statement credit, one of those purchases must be an eligible Alaska Airlines purchase. '' My partner and I opened an account with them back in XXXX and qualified for the 40,000 miles which was given on XX/XX/XXXX. However, we did NOT receive the promotional offer of the {$200.00} statement credit. We have called Bank of America representatives multiple times since XXXX ( XXXX, XXXX, XXXX, XXXX ). Each time we've called, the representative continuously reassures us that they expedited the request and our statement credit will be available within a certain amount of days. Yet we still haven't seen anything on my statement balance regarding the {$200.00} statement credit. After 2 calls of false promises, we started getting more details on who I was speaking to. 

On XX/XX/XXXX, we spoke to XXXX and she informed us that there was supposed to be a letter sent to our mailing address a couple months ago. We did not receive anything, so she mentioned she'll file a complaint and have the letter resent to my mailing address. To this day, we have not received that letter she mentioned. 

On our most recent last call with XXXX from customer service on Bank of America on XX/XX/XXXX, he reassured us that the request was once again expedited and will be seen in our statement within 5-15 days. It is XX/XX/XXXX, almost 3 weeks after we have spoken to him, and we still have not seen the promised statement credit. 

It's been over half a year since we've had the credit card, and we still have not seen the promised promotional offer of the {$200.00} statement credit. We've only received the 40,000 miles with Alaska Airlines but that was it.
Product: Debt collection

Dear CAPITAL ONE I am writing to formally dispute an inaccurate charge on my credit report. The charge in question is an amount of over {$500.00} plus from CAPITAL ONE, posted on XX/XX/25. I believe this charge is incorrect due to incorrect user and mistaken card holder unauthorized transaction, billing error, fraudulent activity, etc.I am requesting its removal from my credit report. 

I have already contacted my credit card issuer, CAPITAL ONE to resolve this issue. However, the charge remains on my report, negatively affecting my credit. Enclosed are copies of relevant documents, including my dispute with the credit card issuer, correspondence, and a copy of my credit report highlighting the disputed charge. 

Under the Fair Credit Reporting Act FCRA 605B I request that this matter be investigated and corrected promptly. Please provide me with written confirmation of the results of your investigation. If the charge is not removed, I request a detailed explanation of why it is being upheld. 

THANK YOU for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

this account that is on my XXXX report is a result of id theft
Product: Credit reporting

Good morning, just a minor error. On my report it says that I 'm unemployed, but that is not the case. I 've been at my job for a total of eight years hired back in 2008 till present. Same place of employment XXXX in XXXX Nj. Please respond to this issue. Enjoy the rest of your day and have a safe weekend.. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts,
Product: Debt collection

This company fails to respond to me on inaccurate items on my credit report. Listed as in collections. 
I am writing to have a debt removed from my credit report as I believe the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts has been violated. I have emailed, called and wrote numerous letters without response or verification of this debt. Please remove this debt as it is only listed on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Defamation of character and failure to properly investigate.
Product: Credit reporting or other personal consumer reports

The date XXXX was legally forced to transfer the account to XXXX is XX/XX/2024. 

The date of account payoff and closure is XX/XX/2024. 

The credit reporting agencies have incorrect information ; XXXX is XX/XX/2024, XXXX has XX/XX/2024, and XXXX has the account as till open. See attached. 

Does this not prove that the XXXX information is suspect at best. 

By not having correct information on my credit report you are violating the FCRA. Fix this immediately. 

The payoff and account closure date is XX/XX/2024. See attached.
Product: Mortgage

SPS is reporting late payments during the loan modification even though they advised me they would not report late payments. They forced me to go past due and would n't take my payments promising me that it would n't show late on credit.
Product: Debt collection

This Debit has been on my credit report for several years. I have sent multiple letters asking them so reveal the original debit account ( since they are a debit buyer ) and have received no contact from Midland Credit.
Product: Money transfer, virtual currency, or money service

I am at time and are still a struggling poverty /meets requirements and overqualification due to, income and social atmosphere and other sites reality wise also known as clock coordinated when most earmarks of attn. or fax copy right /pilgrism/ or theft ... infringement, inappropriate in some if, the company receives info. competing / other unsafe practices have been happening and version of companies oversees having tech giants with a 7 window startup, than the lesser more legal by every standard and poor credit 3 to 5 credit safe way a urban complaint regarding construction and a XXXX company small business that was damaged when I wasn't working leaving, those who trusted me still do hoping / trusting in a complaint to or about first XXXX /XXXX XXXX / XXXX XXXX XXXX and employees who treated I have mentioned this to police, XXXX XXXX XXXX etc. threats for me to end with XXXX treatment over XXXX XXXX XXXXXXXX and im sadly not shocked, im not a know everyone type of someone.
Product: Bank account or service

PNC has charged me erroneous fees in the past and they recently took steps to maximize the fees charged to me. On XXXX they charged me XXXX overdraft fees which I believe to be potentially erroneous. On XXXX I noticed that my bank balance was not enough to cover the autodebits from my XXXX credit cards set for XXXX. I had my wife move money from our other bank to PNC to cover the balance. She unfortunately did this using a cashiers check which was deposited on XXXX. On XXXX PNC charged us XXXX over draft fees after the credit card payments posted. Despite the check being enough to cover the payments, my wife and I were unaware of the check clearing policy for cashiers checks which holds funds for one day, hence the overdraft. However, had the payments posted in a different order, the lesser amount first, we would have only been charged XXXX over draft fee. PNC did refund XXXX of the fees because we are not in the habit of over drafting. The thing is, since I have no visibility into the auto-payment posting times, I ca n't be sure that PNC is not maximizing the fees charged to me by posting the smaller of the auto-debits first. Furthermore, PNC has a history of charging me inappropriate fees. In XXXX they tried to charge me a {$25.00} dollar fee for not having enough direct deposits in my account for XXXX because the deposit that happened on XXXX did n't count for the XXXX statement. I called to complain and they removed the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act everything has to be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigated but how is that if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal. They also violated my rights under 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

According to XXXX XXXX XXXX XXXX, the resident ( s ) located at XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. opened a Cable/Internet/Cellular account using my personal information. I do not now nor have I ever resided in XXXX, California. 

The account was placed in collections with Diversified Collections Inc. and is threatening to damage my credit - the account number for the collection is # XXXX. 

A police report was filed on XX/X/2017 with the XXXX Police Department, Tracking # XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to persistent errors and violations in the reporting of my Discover Bank account ending in XXXX. Despite disputing these inaccuracies for over XXXX months with both Discover Bank and the credit reporting agencies, no corrective action has been taken. These inaccuracies are damaging my credit score and preventing me from purchasing a home for my family. 

Errors and Violations Identified : Impossible and Inaccurate Dates : The Start Date and Last Reported Date are shown as XX/XX/2024 and XX/XX/2024, which are future dates. This is impossible and violates the requirement for accurate reporting under the Fair Credit Reporting Act ( FCRA ) Section 623 ( 15 U.S.C. 1681s-2 ).

Inaccurate Collection Status : The account shows a {$0.00} balance and comments state that a settlement was accepted and the account was paid in full for less than the full balance. Despite this, the account is still reported as a Collection/Chargeoff. This inconsistency unfairly damages my credit profile. 
Failure to Correct Disputed Information : Despite my disputes, Discover Bank has failed to correct these inaccuracies within the 30-day timeframe mandated by the FCRA Section 611 ( 15 U.S.C. 1681i ). This failure violates my rights to accurate and fair credit reporting.

My Rights as a Consumer : Under the Fair Credit Reporting Act ( FCRA ), I have the right to : Have only accurate and verifiable information reported on my credit file.

Have disputed information investigated and corrected within 30 days.

Hold furnishers accountable for reporting inaccurate information ( Section 623 ).

Discover Bank 's failure to correct these errors is a direct violation of my rights and has caused me significant harm.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I filed a complaint with the Cfpb on the company XXXX XXXX XXXX reporting inaccurately and not giving me proper due process on my credit reporting rights.The company responded on XX/XX/year> saying that they did a proper investigation report but to fix the problem and resolve the issue, they would delete the tradeline from the credit bureaus as a result! Nothing has changed on my reports and I still have inactivation being reported on my credit report.
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 XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$15000.00} ; XXXX  XXXX XXXX XXXX XXXX - ; XXXX XXXX XXXX  XXXX XXXX Balance {$1700.00} ; XXXX  XXXX XXXX XXXX {$310.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$270.00} ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached below is my demand to comply and pre arbitration/legal proceedings notice to TransUnion. Also attached below is my original report of identity theft to TransUnion which I was told was " blocked '' by the FTC. I contacted the FTC and they said they do not " block '' identity theft reports. XXXX, a supervisor stated that and I have the whole conversation was recorded. XXXX told me that according to TransUnion I may not record but pursuant to 18 USC 2511. I really hope we can settle this outside of court!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone illegally purchased a vehicle with my information and only my first name and changed my last name. They listed me as a cosigner. I realized this was on my report when I pulled it in XXXX XXXX. I filed a police report in XXXX, Alabama for the crime that was committed. I also reached out to the collection agency as well as the original creditor. I have given both the police number as well. I disputed with the credit bureaus and was sent a copy of the signed document in the mail which had a different last name listed for the person who stole my identity.
Product: Credit card or prepaid card

this is regarding Costco visa card ending in XXXX i have requested the statements of XXXX. You are storing it in cold storage it seems ... more than 2 days ... i haven't received it. 
It's required for the extended warranty. 
When i chatted with the customer service on XXXX XX/XX/XXXX, she doesn't want to help me at all. Instead asked me to call a toll free # Citibank Online Technical Support team ( XXXX ) XXXX ( TTY/TDD : XXXX ) When i called that # - it's Citi 's bank account not credit card. 

Citi is storing statement more than a year old in some cold storage - XXXX XXXX or so. 
IT's a headache to get the old statement.