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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX Balance : {$210.00} ( Original Creditor : ) XXXX Balance : {$520.00} XXXX  XXXX Balance : {$600.00} XXXX XXXXXXXX/XXXX/2022 XXXX XXXX XXXX/XXXX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

A Fraud Alert was added to my Experian credit file without my consent, Experian has refused to remove this fraud alert after multiple requests. I am also unable to call Experian as the company has blocked my phone number since last year.
Product: Debt collection

First Financial Asset Mgmt Inc owes me Monterey relief for the damages and violations against me XXXX XXXX The Natural Person & Consumer .FFAM INC sent me a letter stating I owed a debt. In this letter was numerous violations that FFAM INC IS AWARE ABOUT! I have attached an affidavit of truth
Product: Credit card or prepaid card

Requested the Method of Verification to XXXX XXXX XXXX. XX/XX/2015 ( 2 yrs, 9 mos ) Account status Open Type Factoring Company Account ( debt buyer ) Responsibility Individual Account. 
Remarks Consumer disputes this account information Collection account Original Creditor Name FIRST NATIONAL BANK OMAHA Closed No Info This is Identity fraud ive done police reports, and FTC.GOV XXXX is continuing to report this fraud
Product: Credit card

My information was used to both make and pay for purchases on several credit cards, I made all aware I was victim of fraud, yet I am now not able to access any accounts to point out what purchases and payments actually came from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX I entered into a Covid forbearance. I was told in both writing and verbally that there would be no negative reporting to my credit report. I complied with all of the Covid forbearance guidelines. My credit currently shows me being late on my mortgage the whole 8 months I was the Covid Forbearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining today on Equifax Credit Reporting Bureau regarding a disputed account within my credit report by the name of XXXX XXXX XXXX XXXX. account ending XXXX which I have provided proof to Equifax with a long-standing investigation that was completed but NOT resolved by Equifax. I have submitted pertinent supporting evidence that real time resolution was erroneously reporting false and incorrect information to my credit. I have further submitted documentation provided from XXXX XXXX informing me through Consumer Financial Protection division that they will remove all past and future reporting. I have received a deletion from my report with XXXX  and XXXX  regarding XXXX XXXXhowever   Equifax has not followed the other two bureaus deletion which as per my rights under fair credit reporting act, I have a right to dispute incomplete or inaccurate information. 

Equifax is causing me undue stress and adverse hinderance that is causing me hardship with refinancing my current mortgage. Furthermore, Equifax has completely shut me down and locked me out of their system from providing any future disputes thru electric methods. I have even tried to reset my password in XXXX of 2020, and still cant get through to them. Equifax had written me and asked me to provide them with a copy of my drivers license and my social security information to prove to them, that I am who I proclaim to be which is utterly suspicious activity to me. I am totally unable to verify who I am electronically due to Equifax locking me out of their system and unable to log in what-so-ever. 

I am requesting that CFPB enforce Equifax to delete real time resolutions from my report based on the proof that was provided to them before they enabled my previous disputes. Further to allow me with access back in their system.
Product: Debt collection

OnXX/XX/XXXX I contacted I C Systems via certified mail requesting proof of original documentation containing my signature in accordance under the Fair Debt Collection Practice Act section 809. I C Systems instead mailed a copy of statement or screenshot that included only dates an amounts owed. The correspondence sent to me from I C Systems did not contain any original application or documentation for proof verification. I. C Systems has again violated the FDCP
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$560.00}, {$550.00}, {$900.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XXXX XXXX XXXX  and the subsequent response  received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 








2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$550.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Debt collection

Dear, CFPB I am making a complaint for XXXX, XXXX, XXXX, and Kimball tirey st John.  There is a debt from the creditor which is kimball tirey st John original creditor which XXXX XXXX XXXX XXXX in XXXX XXXX XXXX I have a document saying the creditor agreed to delete this account. As of today it is XX/XX/XXXX XXXX, XXXX, XXXX  has not deleted the account which is violating FCRA statue of limitations and can possibly be sued and fined for {$1000.00} per each. I am having difficulties with all 3 bureas and creditor that agreed to deleted in it's still not deleted as agreed. They also increased the balance to damage my report after they agreed to delete, what they do is increased and decreased which damages a score. This is a violation under the credit act.. This must be deleted immediately. I will upload the page from XXXX and current updates for my proof in case I have to proceed with litigation and violation fines.
Product: Credit reporting or other personal consumer reports

Experian is reporting an incorrect address in despite of me mailing multiple letters to them with my correct name and address. They have failed to remove XXXX XXXX XXXX XXXX from my file. I do not live at that address.
Product: Credit reporting or other personal consumer reports

I hereby certify that the preceding statement is truthful and accurate to the best of my knowledge, under penalty of perjury ( as defined by XXXX law, if executed outside of the XXXX ). Furthermore, I certify that I am permitted to submit this disagreement under both federal and state law. I understand that intentional deception or omission of material information is punished as a federal crime under 18 U.S.C. 1001 and as a felony under 18 U.S.C. 1621 for perjury. My credit report contains collection entries that have nothing to do with transactions I started. Financial institutions are prohibited from disclosing information to third parties under 15 USC 6802 ( 1 ) ( a ) ( b ) ( c ) unless I get written approval. There is a violation here! Private information was disclosed by the original creditor, which led to the opening of illegitimate accounts. The Federal Trade Commission is currently looking into these issues. In the event that this account is not promptly removed from all three of my credit reports, I will take legal action against your organization for allegedly providing incorrect information on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. Account # XXXX XXXX XXXX XXXX i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments for XXXX of XXXX and XXXX of XXXX ive attached a copy of my report to this complaint on the following dates. I also attached credit report from other bureau showing payment was reported on time. i'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2024, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of {$13000.00} USD from my XXXX account to fraudulent investment firm ( XXXX ). 

Please see details with transactions in the attached letter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Collection Account and Request for Procedural Investigation To Whom It May Concern : I am writing to dispute the collection account listed under my name on my credit report and to request an immediate procedural investigation. This account has been reported in violation of federal laws that protect consumers, specifically 12 CFR 1006.34 and 15 USC 1681-s2. I have not received the required validation information, and I have not been provided an opportunity to dispute the debt before it was placed on my credit report. 

Details of the Disputed Account : Account Name/Number : Jefferson Capital SystemsXXXX Date of First Appearance on Credit Report : XX/XX/year> Violations by Your Agency : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide specific validation information regarding the debt before furnishing this account to any consumer reporting agency. To date, I have not received this information. 
Denial of Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the validity of this debt within 30 days of receiving the validation information. Since you failed to provide this, my rights have been violated. 

Use of False, Misleading, or Deceptive Means : Your agencys actions in reporting this debt without the required disclosures and validation constitute false, misleading, and deceptive practices under federal law, specifical

ly 15 USC 1681-s2 and 12 CFR 1006.34 ( d ). Unauthorized Furnishing to Consumer Reporting Agenci
es : You have no authority to report this account to any consumer reporting agency without providing all legally required disclosures. Your actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). 

Requested Actions : Immediate Removal of the Collection Account : I demand the immediate removal of this collection account from all consumer reporting agencies until you can provide the legally required validation and dispute information. 

Cease All Collection Activities : Cease all collection activities, including reporting to credit bureaus, until my rights under federal law have been fully respected. 
Provide All Required Documentation : Provide all required validation information and disclosures under 12 CFR 1006.34 ( b ) ( 5 ), and allow me the opportunity to dispute this account as mandated by law. 

Correct Reporting Procedures : Ensure that your reporting procedures comply with 12 CFR 1006.34 and 15 USC 1681-s2 to avoid future violations. 
Failure to address this matter promptly and in accordance with federal regulations will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response to this dispute and confirmation of your compliance within 30 days. Thank you for your prompt attention to this serious matter. 

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

I have XXXX inquiries on my consumer report I did not authorized. A inquiry with XXXX XXXX  ( XX/XX/year> ) and XXXX ( XX/XX/year> ). I reached out to these creditors and I have not received a response. Therefore, I must request your help in resolving this matter. Not only did I not authorize this but I never provided consent for these to be furnished to my consumer report. Please delete the following unauthorized inquiries. They are misleading and causing me to be denied credit. The inquiries are listed on XXXX, XXXX and Experian.
Product: Debt collection

On XX/XX/year>, I discovered that my name has been utilized without my permission, which constitutes a violation of consumer rights under applicable laws, including the Fair Credit Reporting Act and other relevant consumer protection statutes. This unauthorized use has resulted in significant XXXX and potential harm to my personal and financial reputation. 

I request that you provide clarification regarding how my name was used and the nature of the account in question. Additionally, I demand that you cease all use of my name immediately and rectify any records that incorrectly associate me with this account. This is what was say said when I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX Balance {$1700.00} XXXX XXXX XXXX XXXX XXXX Balance {$780.00} XXXX XXXX XXXX Balance {$3000.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX Balance {$4400.00} XXXX XXXXXXXX XXXX XXXX XXXX : {$4200.00}
Product: Debt collection

I have never had an account with att and was not aware of a debt being owed until I tried to contact them to become customer, They then said I had a debt. We haggled and they were supposed to have deleted this debt. from my credit report, but it still shows on credit report as owed.
Product: Money transfer, virtual currency, or money service

In XXXX of 2021, I was transitioning my father to a XXXXXXXX XXXX  in the XXXX. I tried to effect payment for my father 's entry into the XXXXXXXX XXXX. While corresponding with the XXXX XXXX  over email, the XXXXXXXX XXXX XXXX  business email address was compromised. I began corresponding with a fraudulent entity and received banking details associated with a XXXX XXXX-based branch of BB & T ( account holder " XXXX XXXX XXXX' ) that the entity said was connected to the XXXX XXXX XXXX. 

I transferred {$1400.00} on XX/XX/2021 and {$4200.00} on XX/XX/2021, for a total of {$5700.00}, to the BB & T account. In early XXXX, I was notified by the XXXXXXXX XXXX  that they never received payment and that their credentials were compromised. The XXXXXXXX XXXX states that they had no connection to an " XXXX XXXX '' and has demanded that I pay back the amount in full. I have been pleading with both the XXXX XXXX and with my banks to rectify this situation or shoulder responsibility for the hacking before paying the total amount again. 

I filed complaints with the XXXX and my local precinct immediately. 

In early XXXX, I also reached XXXX and XXXX XXXXXXXX XXXX to attempt to retrieve funds from BB & T. I also called the BB & T branch and head office to inform them of the fraudulent account. BB & T gave me no details regarding the account and let me know there was nothing that I could do but work through my banks. Unfortunately, XXXX and XXXX XXXX XXXX were unable to reclaim any lost funds and stated that they have set up an agreement 'in good faith ' with BB & T to reclaim funds should the fraudulent account ever be replenished. As of this writing, I have not received any reclaimed money. 

I would appreciate your support immensely. It's painful knowing that someone or some entities are fraudulently posing as XXXXXXXX XXXX and that banks may be willfully allowing this to happen by allowing people to open and close ghost accounts for these types of fraudulent transactions. I thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shows up in XXXX XXXX XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX ( estimated ) .But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortgage loan in the amount of XXXX. The credit bureau ( Experian ) has allowed them to update the info. I called Experian on XX/XX/XXXX and the rep told me that my first dispute was not done correctly, info was left blank and unanswered, the dispute was not answered correctly. He suggested that I file another dispute. I also wrote Experian a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report. The rep told me that this letter needs to be sent to the creditor. It states in the fair credit act that the credit bureau needs to provide me these documents in article XXXX. Let me also add that I filed disputes with XXXX and XXXX XXXX and within 30 days they removed this XXXX  XXXX  XXXX  info from my credit report. This tells me that there is something not right! I have never signed any Mortgage loan documents in my life! The info states in my report that the loan is Status Transferred, closed. This is no explanation of what this supposed loan status is. So, if I owed XXXX  XXXX  XXXX  money and I did not pay then how is the loan transferred and closed and they are no longer reporting late payments.This Mortgage fraudulent activity and needs to be investigated. I listed the account info from my credit report below. I have applied for a Mortgage loan 2 months ago and was turned down because of this information on my credit report reports as a inaccurate Mortgage and XXXX, and 180 day late payments which is also effecting my credit score. Now, how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires of another loan application. Some one needs to pay! Can I sue this company? Account name XXXX XXXX  XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Product: Credit reporting, credit repair services, or other personal consumer reports

transUnion needs to remove this inquiry off my credit profile .... 



XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX
Product: Credit reporting or other personal consumer reports

Both XXXX and Select Servicing Portfolio are reporting to XXXX updated information that was previously disputed and removed from my report as updated information for accounts from XX/XX/XXXX XX/XX/XXXX stating information changed in XXXX! These accounts are from XXXX and are affecting my score. XXXX is also reporting information from XXXX and XXXX XXXX XXXX XXXX as updated information that was previously disputed and removed! All three bureaus are reporting 3-5 hard inquiries that were disputed recently and previously that were not authorized by me. So frustrated with this process, I paid repair company 3 years ago to help fix my reports and it is all coming back and I can not afford to hire someone again so this is my attempt to do it myself with zero knowledge of all laws to use against these 3 reporting agencies! I can not get my cars interest rate of 35 % reduced or refinanced, credit cards or loans to have a better quality of life because of all the unfair items being reported. My scores remain between 550-600 for many years now. Please help me
Product: Credit card or prepaid card

received limited time offer for credit card offering up to  XXXX   XXXX   XXXX  miles. Applied using unique invitation number online ... then was instructed to cal l citi ... which I did..Representative asked me to identify myself and asked if I had applied..I said yes ... after a moment  she said card was approved and I would receive in about 7 days.   In my email today I have email dated yesterday  (   X/XX/2017    ) at  XXXX   XXXX  saying credit card was approved and i should be receiving in 7 days ... ..then another email sent several hours later saying application was under review and i would receive more info in a week. M y credit score i s over  XXXX  so am confused and upset that I was told verbally and online that card was approved ... then that application is " under review. I can supply documentation ... .limited time offer letter and emails if needed. The bank involved is  Citibank NA.   invitation number  XXXX  ... ..application number  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. 
I have NEVER used the name XXXX XXXX without adding the XXXX. as my middle initial and it should have never been added to my credit report without the XXXX. 
This is a fraudulent, erroneous entry as I have Never used that name. 
The ONLY name that should appear on my credit report is XXXX XXXX XXXX. 

On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail.