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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest Huntington Bank location XXXX The person at Huntington Bank told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. XXXX weeks later, I notice that my bank, XXXX, took the {$500.00} back out ( XX/XX/XXXX. ) I called XXXX on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from Huntington Bank stating that no error had occurred. I asked my bank, XXXX, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX. I have yet to hear back from my local PD. On XX/XX/XXXX I called XXXX again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called XXXX again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next XXXX days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from XXXX so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back.
Product: Credit reporting or other personal consumer reports

I am writing to request of unauthorized credit inquiries on my TRANSUNION Credit Report. My latest credit report shows XXXX credit inquiries that I did not Authorize. 
I am writing to dispute the following inquiries and asking for their removal from my credit report. 
INQUIRY ACCOUNT NAME : XXXX  ( finance ) DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/year> Note : This inquiry was pulled twice on the same date. 
Please have this inquiries removed from my credit report, please update me with a full report on your finding within 30days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX credit card was removed from my Equifax report. I have have tried numerous times with both companies to resolve this. Equifax told me in the last in XXXX and XXXX that they reached out to XXXX and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.
Product: Credit card or prepaid card

This regards CapitolOne. I paid off my balance last XXXX ( 2022 ). I directed them by letter to either give me a new account number out of fear there may have been some fraudulent charges to my account, or to just close the account. They did neither. Later, two monthly recurring charges appeared from websites I had unsubscribed to and CapitolOne allowed those charges when the account should have been shut down. I have called them at least three times, and I have written to them at least three times explaining the situation. Their only reply is an occasional letter telling me 'I still have options '' to make payments to them. They have never called or sent a letter that addresses my remarks. Currently, they claim I currently owe {$290.00}. This is just under {$100.00} for the two fraudulent charges they allowed, and late fees and an annual fee. This total will certainly continue to grow as they arbitrarily slap more late fees on it. In the meantime, because they have reported late and past due dates and fees, my credit rating has plummeted! I need CapitolOne to stop harassing me and fraudulently charging an account that should have closed 9 months ago.
Product: Debt collection

Upon viewing my credit reports I notice a negative mark from the following compan y, American Collections listed on my credit report as a debt owed. I have never been in contact
with anyone about this allege debt. My consumer rights to dispute this allege debt has been violated. Which puts the company American Collections in Violation of the FDCPA 15 USC 1692 for numerous of Violations. 

Due to American Collections violating the FDCPA and my consumers rights the company and its employees has caused me irreparable harm and defamation. Which will follow with a tort claim. 

For the record, I do not have a contract with this company American Collections, I have never received funds from this company, nor have I ever gave this company consent to have access about my personal information or to use my identity to try and gain profits. 

American Collections is in violation of the HIPPA Privacy Rules and breach Confidentially. This Company did not provide me a HIPPA Release that I gave them any consent about my health or other personal Information.
This company is again in violation of the FDCPA and HIPPA Laws and caused me a great amount of damage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

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

I have a bill on my credit from XXXX from 2019. I never had XXXX services of any kind in 2019. I have been trying to get this removed from my credit. I have disputed over and over again with Experian. XXXX deleted it off of my credit. The bill is not even in my name.
Product: Mortgage

There is a late payment reporting on my mortgage loan Nationstar Mortgage. That late is the one that was n't my fault. I gave them my account info for that months payment and an auto set up for the next month. They got it right for the auto payment for the next month but somehow did n't get it right for that month. But it was on their end not mine. I did address and it was to be corrected and the remark still has not
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my credit report that are reporting inaccurately. I have also been a victim of Identity Theft in the past and I feel like the Credit Bureaus are NOT protecting me or my credit. There's a XXXX XXXX account that has been disputed several times and XXXX XXXX and Experian have removed it but XXXX is refusing. I need these accounts to be following the laws of the FCRA, and not continuously refusing to. Here are the accounts in question : XXXX XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX - the Date of Last Activity and The Date of Last Payment are not the same throughout all 3 credit bureaus proof provided please remove immediately this is a violation of the FCRA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - This is not mine nor have I been to any medical facilities - and I have insurance I requested documentation that was never sent. 

These inquiries contain no signature and has no permissible purpose. The FCRA states that the only permissible purpose for pulling someones credit report is A ) firm offer of credit B ) insurance C ) a court order. D ) employment I DID NOT AUTHORIZE THESE and they need to be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX XXXX XXXX XXXXl XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX AN # XXXX - XX/XX/2019 XXXX XXXX XXXX - XX/XX/2019 XXXX XXXX XXXX XXXX  XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX
Product: Credit reporting or other personal consumer reports

There is major inaccuracies being reported by TRANSUNION on my credit report, listing addresses, names and phone numbers that do not belong to me, which is not in compliance with 15 U.S. CODE 1681 FCRA Laws.
Product: Debt collection

Complaint on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Received notification on credit report that the company had added a derogatory collection on my credit report. Never received a correspondence via mail or anything about the collection. The collection agency fail to provide information in regards to this collection. Debt was never confirmed to be mine. No Contract was ever signed with the Collection Agency. I never received any information that was submitted to the Credit Bureau to showing that this debt was mine. 

I have proof that the collection was added to my credit report around XX/XX/2019. That is how I was made aware that something was added to my credit report. 

statue of limitation in the state of Texas is four years. Not understanding why would this collection agency report something that failed to send me information about this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice inquiries that are not of my knowledge and have reached out to these companies in question and received no results I have reached out to XXXX as well and I have gotten a run around. 

Here are the companies and dates of inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

my card was lost and or stolen, i notified the bank immediately, they stoped the card and sended my new card. since XX/XX/2019since then i've been calling every single day and talking to dispute/fraud department, they keep telling me they still looking into it, but when the fraud accured they told me that i have zero liability!!!! .abd the fradulant charges should be removed with in 24-48 houres.i never made these fraudulant charges, and i made a police report on my own, please help me.
Product: Checking or savings account

Last month on XX/XX/XXXX I went to meet a friend after my eye lash appointment and somewhere between the restaurant and the park, I lost my purse. I didnt have anything in the purse but my phone, my banks cards navy federal, XXXXXXXX XXXX, and XXXX XXXX. None had money on them. 

I messaged navy federal on my email I was able to get access to letting them know I lost my card but they said I needed to go into the app which I wasnt able to access because I didnt have my phone so I couldnt verify but thought it was ok because again, there was literally {$0.00} in the account. Fast forward to Monday when I get back home from my birthday trip, I activate my new phone and download all my things from my XXXX, and get into my navy federal app and Im negative {$500.00}. Even the XXXX  my mom sent me for my birthday was gone. And when I made the complaint they said I was involved in the overdraft???? Im so confused. I didnt even know I could overdraft {$500.00}. Ive been in overdraft before and when other things try to take money, it doesnt even go through so {$500.00} is insane. 
And I spoke to someone on Saturday the XXXX and told him I had lost my card and phone and needed a digital card and he sent it to me but I couldnt access it because the email needed to text me to get into it. This is utterly ridiculous. Money was sent to someone on XXXX XXXX but Im not sure who it is and all of the money transferred was sent to them. And an adjustment was posted to my account and Im not sure why but they stole that as well. For {$610.00}. And Navy didnt ask for any evidence. But I have all the screenshots because why would I send somebody else ALL the money I supposedly over drafted? I wouldve just kept it. That {$1100.00}! And they tried {$1000.00} too but thankfully it declined.

Oh and when I called to get a digital card I was told that a card was ordered. And thinking about it now, I shouldve known something was wrong then but it was going to an old address and I canceled it out when I ordered the one I ordered to my house. But Ive since then ordered a new card and updated my security features in the app so I receive more than a text. Im not sure of the thief got into my phone or just used another phone with the code that was sent to my phones texts.
Product: Credit reporting or other personal consumer reports

They are allowing portfolio recovery to report late payments monthly on a debt I do not owe them. I have never done business with them nor agreed to payments. This is also unlawfully extending statute of limitations on original debt that was never verified or validated. 

False statement and representation : Failed to provide Debt validation and verification confirming details of debt, Legal ownership of debt including original contract & payments. US federal codes 15 USC 1692 ( c )
Product: Debt collection

Call me multiple times a day 5+ times. And call me at odd hours after XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX : {$210.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX : {$1400.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wakefield & Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX has violated my rights. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions.

Also please be advised that under Federal Statues, The Fair Reporting Act ( 15 USC 1681 et seg ), my consumer credit statutes, and subtitles D of the ARRA, section 13401. Application of security provisions and penalties to business associates of covered entities and S.E.C. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual you may be held liable for the actions of XXXX XXXX. Please note that these liabilities are under the penalties of the Omnibus Finale Rule effective XX/XX/XXXX, interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX. 
HIPPA and North Carolina 's medical privacy statutes and the penalty provisions of the ARRA section D, privacy provisions of the ( HITECH ) Act as issued XX/XX/XXXX and the Omnibus Finale Rules effective XX/XX/XXXX and the Fact Act Final Rules effective XX/XX/XXXX, are in effect in this situation. 
The privacy act prohibits a covered entity from using or disclosing an individuals protected health information ( PHI ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, twice they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. I no longer use their website because of this issue. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.