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

Recently I looked at a copy of my credit report and noticed several inaccuracies on my new account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.

Here is the item I am asking you to verify as accurate : 1. ) Account Name : XXXX  XXXX Account Number : XXXX 2. ) Account Name : XXXX Account Number : XXXX 3. ) Account Name XXXX Account Number : XXXX 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 5. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 6. ) Account Name : XXXX XXXX XXXX Account Number : XXXX 7. ) Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

After reviewing XXXX  Credit Profile. a debt purchased from XXXX XXXX ; Receivables Recovery Se continues to furnish information on credit profile. When rendering services, from XXXX XXXX ; according to insurance all treatment was covered, if out-of-network, the practice didn't make known prior to scheduling. Requesting if a referral for treatment was given and if coverage verified prior to scheduling.
Product: Debt collection

The company Tek Collect contacted me about owing the amount of XXXX . They sent me an email offering to settle up my account with a payment of XXXX . After making the payment of XXXX XXXX they did not resolve my account and are still trying to collect XXXX . As if we never made a deal. I want them to settle my account as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit reports and saw that XXXX XXXX added a collections item to my Transunion credit report. This dropped my credit score XXXX points. The original creditor was XXXX XXXX XXXX XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed this item to be removed from my credit report but nothing has been updated. I paid XXXX XXXX XXXX directly.
Product: Checking or savings account

I took out a loan to purchase tires through a local XXXX XXXX XXXX dealer in XXXX XXXX CA in XX/XX/XXXX. It is a 12-month no interest if paid off in that time period. XXXX XXXX has XXXX dealerships in 25 states and its XXXX. XXXX XXXX is XXXX, which in turn is 50 % owned by XXXX XXXX XXXX XXXX XXXX and 50 % by XXXX. 

The loan was made by Comenity Bank of OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comenity is owned by Bread Financial Corp. I have deal with Comedity before on a health care loan I paid off. Finding their street address is hard as they provide consumers with a XXXX XXXX  only. Customers are forced to communicate with low level call center agents who have responsibility but no authority. Bread and Comenity are blind lending institutions for the most part.

My complaint : Comenity requires that you only provide my checking account number and the routing number of the XXXX XXXX I belong to. I just received a receipt for a payment I made today. XX/XX/XXXX. The disconcerting information on that receipt was it contained the last four digits of both my checking account number and the last four digits of its routing number. This was a Big Red Flag to me. I had never received both personal numbers from any vendor let alone a financial institution before. 
I found the XXXX XXXX Directory which provides the Routing numbers of every financial institution in the U.S.Was not hard to find my credit union 's full routing number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I know it's not rocket science to have criminal organizations get everything they need to break into my account let alone thousands of others. The Bank directory culls its data from the FDIC and the Federal Reserve Banks. XXXX The XXXX XXXX Directory has no corporate or government ownership information. They can only be contacted by email. Looks like a great resource for criminal syndicates to steal large sums of money to me. XXXX XXXX XXXX You have my email address, I have spoken to the Identity Theft Resource Center with much of this information. I trust that as a citizen the CFPB will look into this information.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention several discrepancies and inaccuracies that I have recently discovered in my credit report. As a diligent consumer, I am fully aware of my rights outlined in the Fair Credit Reporting Act ( FCRA ), and I am exercising my right to dispute these discrepancies.

Specifically, under 15 USC 1692f, it is clear that debt collectors are prohibited from using any false, deceptive, or misleading representations or means in connection with the collection of any debt. Upon reviewing my credit report, I have identified multiple accounts that appear to be in violation of this statute : XXXX XXXX Account XXXX XXXX XXXX  Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX Your adherence to the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681 ( a ) ( 2 ) ( b ), seems to be lacking. This statute prohibits certain types of information related to " credit cards '' or similar financial instruments from being reflected in an individual 's consumer report. It's important to note that the term " credit card '' extends beyond traditional bank-issued cards to encompass any mechanism used for deferring payment or borrowing funds, including personal identifiers like Social Security Cards or Driver 's Licenses. Your oversight in this area, and the subsequent failure to rectify such errors, raises serious concerns.

Additionally, I am troubled by the inclusion of detailed records of my interactions with third parties in my consumer report. The Fair Credit Reporting Act, particularly through 15 U.S.C.

1681a ( 2 ) ( i ), mandates that consumer reports should not contain information pertaining to transactions or engagements with other entities. Given the importance of accurate credit reporting, I kindly request that you conduct a thorough investigation into these discrepancies as soon as possible.

I expect your response within 14 days and urge you to remove all non-account holding, unauthorized inquiries, and any other information from my consumer report that is irrelevant, breaches privacy, or violates any other provisions of the law.

Thank you for your attention to this matter. 

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

I received my credit report from XXXX, XXXX, and TransUnion after being released from Federal Prison ( BOP ) on XX/XX/XXXX. 
I have been incarcerated since XX/XX/XXXX. I noticed XXXX accounts is on my credit report that is not mine. 
I am a victim of identity theft. 
I do not know who used my name and SS number while I was in prison. 
I called XXXX and was told to file a police report with my local police station.
Product: Credit reporting or other personal consumer reports

I'm receiving Threating phone calls and emails from the company below and XXXX, Experian, XXXX are transferring my information without my consent. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, IL XXXX Acct : [ XXXX ] XXXX  : XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding a XXXX XXXX credit card account that was recently opened without my knowledge or authorization. I received a notification from the credit bureau informing me that this account was opened, has a balance, and is being reported on my behalf. However, I want to emphasize that I did not open this account at all and I am not responsible for any charges or balances associated with it. 

It appears that I have become a victim of identity theft, as I have no recollection of applying for or receiving a XXXX XXXX credit card from your company. I am deeply concerned about this unauthorized account and the potential impact it may have on my credit score and financial well-being. 

I kindly request your immediate assistance in resolving this matter. I ask that you investigate the origin of this account, provide me with details of the application process and any associated transactions, and take the necessary steps to close the account and remove it from my credit report. 

I am prepared to provide any additional information or documentation required to support my claim of identity theft and to expedite the resolution process. Please treat this matter with urgency and prioritize its prompt resolution to prevent any further damage to my credit history and financial standing. 

Thank you for your attention to this important issue. I look forward to your prompt response and cooperation in rectifying this unauthorized and fraudulent activity.
Product: Credit card

On XX/XX/2024, our credit card was fraudulently used through Capital One. We had a hack on our websites and email addresses where someone used our credit card. Our XXXX XXXX access all of our social media account emails and caused major problems. Capital one was helpful in the fraudulent charges, but refused to support us with our shopping rewards that were fraudulently spent. Somebody purchased gift cards to XXXX and another restaurant in {$100.00} increments. Trying to get reversed or support XXXX told us theres nothing they can do. Its in their terms of service. I asked If they would send me a phone number so I could speak with someone in person they said they did not have a phone number and they only do email. When I asked for more support, they stopped emailing. Whenever I would email, they would respond with an empty email and wed have to try again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me. 
1. Did not consent to authorized this inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
2. Did not consent to authorized this inquiry XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 CAPITAL ONE has received notice of documents ( certified mail/return receipt ) I the consumer have sent a validation of debt letter to CAPITAL ONE. A cease and desist pursuant to federal law 15 usc 1692c ( c ) has been sent with my specific Demand to remedy pursuant to 15 usc 1692c ( c ) ( 2 ) with removal of all my private information from all the credit reporting agencies. CAPITAL ONE has also received my affidavit of fact stating they are in violation of federal laws pursuant to the fair credit reporting act. CAPITAL ONE has given my private information to non-government organizations without my direct consent. Pursuant to 15 usc 1681b ( a ) ( 2 ), CAPITAL ONE has reported private information and as a federally protected consumer I have a right to privacy pursuant to 15 usc 1681a ( 4 ) and my right to privacy has been violated. CAPITAL ONE is in violation of 15 usc 1681b ( a ) ( 2 ) permissible purpose, they do not have my direct written consent to list any information about me the consumer and so the information can not be furnished to a credit reporting agency. CAPITAL ONE has been instructed by myself the consumer to remove all of my personal/private information from all credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with XXXX XXXX Credit reporting that information on their credit report was incorrect. They failed to correct the incorrect information. 

I have recently filed a CFPB complaint against Lending Club asking that they correct information reported to credit companies. Concerning my Lending Club loan account ending in # XXXX, and pursuant to my prior CFPB complaint No. XXXX, Lending Club admitted that they incorrectly charged off my account and failed to honor my hardship agreement. They stated in thier XX/XX/XXXX response to me : " Due to an oversight on the part of our customer service, the hardship plan for loan # XXXX was broken on XX/XX/XXXX. Because of this error, the entire past due balance became due and your loan was charged off due to non-payment on XX/XX/XXXX. We sincerely apologize for this error. Please note you did not incur late fees or other charges due to this error and as such no refund will be provided. On XX/XX/XXXX we corrected how your loan was being reported to credit bureaus. " However, the result from my XXXX XXXX Complaint, dated XX/XX/XXXX clearly states that my loan is clearly " charged off '' and not current. That must be changed due to their error.Additionally, since my loan is now charged off, I can not make any payments on my loan, because I receive no statements from lending club and no information about my loan is reported on Lending Club 's website for customers. 


Additionally, when I call, Lending Club says they will take my payment on the phone, and they confirm it in writing, but the payments since XX/XX/XXXX have not posted on my bank account, i.e., they fail to accept my payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed claims against Experian and XXXX over 33 days ago with CFPB regarding a fraudulent account on my report. I have been trying to work with both the creditor and the credit bureaus to have this account removed from my credit report. I also mailed in a letter to the creditor asking for documentation showing my signature or consent to open this account under my information over 43 days ago which I HAVE NOT RECIEVED. This creditor has failed to provide me with supporting documentation verifying the debt and ownership documentation, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). This account was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent and collection agencies must! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 


XX/XX/2023 Experian CFPB Claim # XXXXXXXX XXXX  CFPB Claim # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment 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 I've attached a copy of my report to this complaint on the following date XXXX, XXXX. I'm now requesting you investigate this account and updates this payment to be paid on time immediately. Thank you for understanding and prompt actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) On XX/XX/2021 I sent the attached debt violation letter to XXXX XXXX XXXX pursuant to 15 USC 1692. ( See exhibit A ). 

2 ) In XXXX they responded ( with no date on the letter ) with a notice of receipt and a promise to change the status of the reporting on my credit to Paid in Full- XXXX Balance within 30 days. ( See Exhibit B ) On XXXX XXXX The specific items required for validation were not received.

XXXX XXXX XXXX is in violation of 15 USC 1692 for the following acts : XXXX XXXX committed fraud by ignoring the cease and desist.

XXXX XXXX XXXX failed to provide the amount of the alleged debt.

XXXX XXXX XXXX failed to provide the name and address of the original creditor.

XXXX XXXX XXXX continued to report derogatory, unverified information to the credit reporting agencies within the 30 day period and until present day. 
XXXX  committed deceptive practices in their debt collection efforts by failing to perform as promised in their letter. 

In my letter I stated they were to cease and desist until debt collection activities until all requested items were provided. This includes reporting any derogatory information to the credit reporting agencies. I tried several times to call and have someone update the file, but I was told there is no one I can speak with. 

Unverified Items must be deleted within 30 days. These unverified items are still reporting to all 3 bureaus, which is a violation of the Fair Credit Reporting Act. ( See screenshot of credit reporting to XXXX, XXXX and Equifax )
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$3100.00} Chargeoff XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$21000.00} Chargeoff
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert notification from XXXX XXXX XXXX XXXX XXXX advising me that my social security number was detected on the dark web on XX/XX/XXXX. I followed the instructions provided and notified the following organizations : Local police, and social security. On XX/XX/XXXX XXXX XXXX Representative XXXX placed a fraud alert with all 3 credit bureaus XXXX XXXX XXXX, XXXX and Experian ). On or about XX/XX/XXXX I received notification from Experian providing their contact Information and advising me that they placed an Initial security to my credit file. I was advised me that if I correspond with them, I must include my name. social security number and government Issued ID such as my drivers license. On XX/XX/XXXX I attempted to open a credit card at the local XXXX store and was advised that they were not able to complete the pre-qualification process, and that I would receive a notice in the nail with further instructions. On or about approximately XX/XX/XXXX I received a letter from XXXX XXXX XXXX advising me that my request for a XXXX card was declined based on their inability to verify my previous credit experience. On XX/XX/XXXX, I spoke with XXXX of XXXXXXXX XXXX and he was able to view my score with Experian and reported it as XXXX as of that date. I have made several attempts ( XX/XX/XXXX, XXXX phone attempts XXXX XXXX attempts XX/XX/XXXX XXXX attempts XX/XX/XXXX XXXX attempts ) to contact Experian via phone and can not make contact with a service representative. I will not place my social security number and photo ID in correspondence with them as that is contrary to what the local police, and social security representative advises me when I contacted them. Therefore, I would like a direct number and r email address for a representative from Experian that I can communicate with. I would also like my application for XXXX to be approved. Does the freeze and or alert placed on my accounts prevent certain Vendors for viewing my credit score? If so, what can be done to have them review it and keep my fraud alert active? 

I received a letter dated XX/XX/XXXX from Experian with the header your dispute results. they failed to respond to any of my above concerns. I can only infer from their response that they did not read my compliant. They sent me a copy of my credit history which should have been sent to XXXX XXXXXXXX XXXX in reference to my application for a XXXX account being denied. They failed to provide XXXX with information on my credit history which resulted in my application being denied as outlined in my initial compliant .Nor did they provide me with the contact information I requested above in the initial compliant of someone I could communicate with. Nor did they answer the following questions from the initial compliant : Does the freeze and or alert placed on my accounts prevent certain Vendors for viewing my credit score? If so, what can be done to allow potential creditors to review my credit history and score and keep my fraud alert active? I would also like them to provide XXXX and I with my credit score.
Product: Debt collection

Dear Sirs This is the company that has sent me letters regarding three different debts Resurgent Capital Services it states original creditor XXXX XXXX XXXX XXXX Current Owner LVNV Funding LLC Account # XXXX reference XXXX Balance {$2800.00} Account holder name XXXX XXXX XXXX XXXX The second is XXXX XXXX XXXX XXXX  current owner LVNV Funding LLC Reference ID XXXX Balance {$630.00} Account # XXXX Account holder XXXX XXXX The dates they are claiming are from XXXX They are not my accounts Thank you XXXX XXXX XXXX