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

Hello, I would like to file a complaint against Green Sky for improper credit reporting on my credit report. I had a loan with Green sky starting in XXXX of XXXX for XXXX XXXX for an alarm system. We returned all of the equipment in XXXX and they released us from the contract and advised that we owed XXXX balance on XX/XX/XXXX. XXXX sent over the information to Green Sky in XXXX of XXXX that we owed nothing. In the meantime Green sky has reported me late for XX/XX/XXXX and XX/XX/XXXX fraudulently. The problem is no one will change the date to XX/XX/XXXX and correct my credit. I sent a formal dispute on XX/XX/XXXX to Green Sky with a letter and all of the documentation to settle and correct my credit report, to date I have not received any response. I have spoken to them several times and no one will fix this problem. I am very upset that I have a 30 and a 60 day late on my credit report and I was not Late and didnt owe them any money. They removed the 2 late payments amounts and told me I didnt owe them a penny. I need your help in getting this corrected and can send all of the documentation I sent to them as well. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello good evening this complaint is about unknown inquires on my credit report that are damaging my score. the following inquires are unknown to me and are reporting to my transunion report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX have attached copies of my transunion report with the unknown inquires.
Product: Payday loan, title loan, personal loan, or advance loan

I have had someone get my information and they got payday loans several of them in days I had to cancel my account and get a new account now it affected my credit score and I have debt collection calling me nonstop. During this time I have had XXXX XXXX XXXX XXXX. Its driving me nuts please someone help
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX to monitor my credit scores ; they reflect Transunion and XXXX. 
The information between these two Credit Bureaus is widely different. Even when they are reporting on the exact same accounts. 
I have filed disputes with both bureaus regarding two different " collection '' accounts. XXXX XXXX XXXX and XXXX XXXX are the supposed accounts that I owe money to. The disputes I filed have only been addressed to the Collection agencies, who have nothing to lose by claiming these accounts are delinquent. However, I am actively a customer of both XXXX XXXX XXXX and XXXX XXXX, so if the Credit Bureaus were to contact THEM, they would know I am not behind in any payments to these corporations. 
So transunion dropped on of these accounts, while XXXX  maintains I owe these funds. 
I received an email from XXXX XXXX that states my credit score went up 57 points! However, when I review my credit through them, no such increase is visible. And how can these agencies report such inconsistencies between the same lender, XXXX, Student Loans? Nothing has changed since I started paying them and yet they show different payment amounts and/or different balance decreases. 
How are we supposed to know what is accurate and how can we hold these reporting agencies accountable for what they report?? It is like " little man '' kept down by THE MAN ... .it is ridiculous that these bureaus can dictate who can get a car, buy a house or not!! What can an individual consumer do to fight these inaccuracies? Seriously? 
My little letter to you, will it really make any difference that I am trying to understand how our information is gathered, collected, reported and monitored? I know I am not the only consumer to have such issues and I respectfully request some insight, if not interference with these credit agencies. Do they have all of your information correct?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to know how can experain claim to have no record of my credit card in XXXX, that they asked me to review ( detail of my name and picture ) the card via email in XXXX. .how does experian know to ask me to review it, yet doesn't know i have it.? 
SO WE ARE CLEAR, HOW DOES EXPERAIN KNOW I HAVE THAT CARD TO ASK TO REVIEW IT? I HAVE PERFECT UTILIZATION, YET THEY HAVE NO RECORD SO CANT REPORT SO MY CREDIT FILE REFLECTS THAT..I DONT WANT EXPERIAN TO BOOST MY SCORE, JUST REPORT ACCURATELY, MY SCORE WILL BOOST ITSELF ... THE RECORD WILL REFLECT VIA PREVIOUS COMPLAINT THROUGH THE CFPB PROTAL THAT THERES " NO RECORD " THEY STATED THAT LIE AFTER THE EMAIL ATTACHED WAS SENT ... FOR THEM TO SEND ME THAT EMAIL AND SAY MY NAME AND TO REVIEW A CARD, MEANS " NO RECORD " IS A LIE ... THEY WITHHOLD IMPORTANT CREDIT REPORTING INFO TO FLUCTUATE YOUR SCORE.
Product: Credit reporting or other personal consumer reports

Accts Im disputingXXXX XXXX XXXX XXXX XXXX ( no acct number the amount is {$2600.00} and this is a collection thats not mine and original creditor dont even exist anymore this collection also is part of data breach )XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Also for Improper use of your report ( shared without consent, credit inquiries from unknown sources ) Inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Last month I sent Midland a validation request, to either substantiate a questionable account they had reported to my credit report or delete the account from the credit report. 
They have failed to do neither, thereby violating my rights under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous companies to remove reported accounts with information that are being reported as fraudulent accounts, wrong accounts, closed accounts, inaccurate account information, accounts not belonging to me, wrong dates and amounts, wrong name, wrong personal information, duplicate accounts, accounts that I never entered into a contract with the reporting company, numerous collection agencies that I do not have nor entered a contract with, accounts that have well surpassed the statue of limitations, etc from collection agencies and other companies/agencies that are submitting this information to XXXX, XXXX and XXXX... but they have refused and or denied my request and have not provided any information to me as to how it was investigated..they have not removed the false and erronious information on my credit reports violating provisions outlined in 15 USC 1962, 15 U.S. Code 1681, Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and safeguarded. These requirements are critical as the accuracy of your credit report can affect whether you qualify for a loan and at what interest rate, and the privacy of your information guards against identity theft, a very serious problem today that can ultimately affect your ability to get credit, insurance, or even a job. Credit reporting violations include where your credit report contains information that is inaccurate or incomplete, disputed or outdated. Violations of these statutes require compensation to you for the damages suffered, plus an additional amount up to {$1000.00} per violation, plus punitive damages, attorney fees and court costs, and often more importantly, allow you to correct and protect your credit report in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Got 5 hard inquiries I dont recognize, from Discover financial SER on XX/XX/XXXX, 3 from XXXX XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX And XXXXXXXX XXXX on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX ( XXXX ) XXXX XX/XX/year> To Whom It May Concern, I am writing to formally dispute a debt that has been reported on my credit report through XXXX XXXX. The debt, which is being reported by [ Debt Collectors Name ], is inaccurate, and I am requesting that it be investigated and removed from my credit report immediately. 

Additionally, the debt collector has been engaging in harassment by calling me almost daily and sending emails every other day, which violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). Under 15 U.S. Code 1692c ( c ), I am requesting that all communication regarding this alleged debt cease immediately. If this debt collector fails to comply, I will consider further legal action.

Please investigate this matter and provide me with a resolution as soon as possible. If you require any further information, you may contact me in writing only at the address listed above.
Product: Credit reporting

I currently just moved and I have been trying to set up account Like credit and I finally looked up my credit and it says that I 'm a victim of identity theft but that is incorrect please contact me
Product: Debt collection

Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. 
It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. TransUnion Has failed to provide evidence and accepting unreliable responses while failing to adequately notify me of dispute outcomes. TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requestioning immediate corrective action to remove or amend the disputed account as TransUnion inaction violates Federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this XXXX is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made 3 calls to Equifax... 
call # 1 ) No Answer 2.5 hours, I hung up. 
call # 2 ) I Requested Fraud, got XXXX and spoke to XXXX : explained problem then he says he's not fraud, but will transfer. Spoke to XXXX : again I explained that I went to XXXX XXXX XXXX and XXXX XXXX. I requested a mortgage loan. I signed papers. They are authorized inquiries on my report. I don't dispute them. I explained that I look at house for sale regularly, online, and XXXX I that I like some. I get contacted by many mortgage people when I " like '' or " follow '' a property, but I do not sign paperwork. Once, in excitement about the perfect property for me, i did start paperwork with XXXX XXXX, but I know already from my XXXX XXXX that I am not ready for a house right now, therefore I left that website WITHOUT completing paperwork, yet I see on my credit report that they ran my credit without my authorization. The XXXX XXXX XXXX and the XXXX XXXX are mortgage companies say Equifax, however, I never heard of them and only authorized MY financial institutions to run my credit. XXXX requested a copy of my DL & Soc Sec card to open dispute. 
call # 3 ) Requested Fraud Supv, Mary said she was the highest person I could talk to. I explained that I can't Iocate my Soc Sec card and couldn't wait to get those errors removed since they affect my score. XXXX requested DL & 1099/ W-2 or Police Report or some other report that I can't remember ( started with " XXXX '' ). I informed her that the FRCA doesn't state that I need a report to open a complaint. She said I could use a 1099 or W-2 instead of a Soc Sec card XXXX I have W-2 readily available but wonder why I have to submit this in that I already verified who I am with the computer before I got to her, then verified who I was with her ... Other than to my financial institutions, I didn't give my DL or SS info, why can't they just investigate to remove this? She said that their investigation team requires proof of identity before they start. To me that implied that even though I have already given my Name, SS, DOB, Address that I am not ME... so I implied that I would contact the FRCA to verify if all this is necessary to get these inquiries removed from my report. XXXX said for me to DO WHAT INEEDED TO dDO, but to begin the dispute process I need to submit : DL & 1099/ W-2 -- or Police Report -- or some other report that I was too flustered to write down. 
Please help me get this resolved soon.
Product: Debt collection

I took out a loan with XXXX XXXX in XXXX, Alabama last year some time. I didn't need the loan, I was basically just doing it to boost my poor credit score. They issued me a check and I attempted to deposit the check into my back account using the smart deposit. My bank rejected the check. In the process of all that going on I lost the check. I called them and told them my problem. A lady named XXXX was very ugly and rude with me. Basically calling me a liar saying the check has been cashed. Well it has not. They call me 5-7 times a day and I tell them to stop calling I'm not paying. They later sued me. I never received the paper. Now they have started calling again. Threating to take my house and any and all property. I have them on recording. I have asked repeatedly for them to stop calling. They still call and threaten me daily.
Product: Mortgage

My loan was transferred to caliber loan company in XX/2015 at the point I was behind on my mortgage. I was offered a modification and the only option given was an interest only modification for 5 years I sign the documents under duress because I feared being homeless with my XXXX children. the company increases my interest from 3.75 % to 4.625 % for 5 years with all amounts going to interest and escrow my loans has been converted from fha to a conventional loan with a balloon payment of over 30k due before the end of my mortgage ends. I have reached out asking why was this options offered to me and I have been told that it was the only option the investors felt makes sense and to also look at this agreement as a payday loan. Unfortunately I now owe more than my original mortgage and the amount has not decreased even though I have made payments for the last two years after 5 years my payments will go back to the original amount and I will still not be able to afford it and fear going back into Forclosure. I believe I have been taken advantage of by this company, hopeless in ny.
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, I submitted a validation of debt request to Professional Credit Management regarding what I come to find out is a medical debt. Upon further research, the alleged debt was covered under the creditor 's ( XXXX XXXX XXXX XXXX, XXXX ) financial aid program which I qualified for on XX/XX/XXXX. I disputed the debt in it's entirety. I've learned that the amount of the debt sent to collections was {$150.00} which was reduced to {$94.00}. Through the financial office I found out that the alleged debt was covered under the Financial Aid Program and was left out by accident. Yet PCM verified the debt to XXXX and XXXX when I disputed it 3 times. PCM performed no investigation FCRA 1681s-2b, did not provide 1692g disclosures, did not report the account as disputed to XXXX after XXXX XX/XX/XXXX investigation XXXX et seq, did not contact me in writing or otherwise before placing the account on my credit report in violation of 12 CFR 1006.30 ( a ) ( 1 ) of Reg F. to resolve the matter. PCM further increased the debt from {$94.00} to {$950.00} an action not authorized by the original creditor-which I verifed on a recorded line. PCM is reporting the date of first delinquency as of XX/XX/XXXX when the account was opended on XX/XX/XXXX, yet PCM verified this information and the rest of the account as accurate on 3 ocassions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXX, 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

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if XXXX  is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of fraudulent abuse. XXXX XXXX Bank I did not authorized for them to do anything to my account nor credit report I did not use their money someone used my information and now im stuck with this bad credit report that I do not deserved! Im asking for this to be removed and further investigation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian and spoke to a representative on XX/XX/2022 and I had multiple unauthorized inquiries on my report and fair credit reporting act requires all unverified and unauthorized items must be removed from my credit report and the customer service department did not help remove the negative inquiries that are reporting on my credit report. The inquiries were : 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 and XXXX XXXX XXXX
Product: Prepaid card

In XX/XX/XXXX XXXX ( XXXX ) XXXX {$500.00} Prepaid giftcards were depleted of nearly entire amounts through fraud ( {$1300.00} ). Soon after I contacting XXXX who turned me over to their vendor US Bank. In XX/XX/XXXX I made follow up call wondering why I had n't heard back. US Bank Operator said it takes up to 120 days before I will be contacted by phone with further instructions on how to proceed. No response. I call back again and spoke to another operator in XX/XX/XXXX. She has me fax all info and receipts to fraud dept. In addition, each card has a small balance still valid and unused. The operator closes the cards out but assures me the remaining balance 's will be applied in my refund. two weeks later in XX/XX/XXXX I receive a refund balance of {$14.00}. I spoke to another US Bank operator and explain the refund amount is wrong. XX/XX/XXXX I receive letter claiming I had n't filed complaint within 120 days of fraud activity and they will not refund my money. I call XX/XX/XXXX US Bank supervisor informs me I had n't submitted complaint within the 120 day window from original XX/XX/XXXX fraud. I inform her, clearly mistakes are being made from US Bank regarding my multiple attempts to reach a resolution. She tells me, Sorry, the case is closed, No refund. The fact they sent me a new card with a balance of {$14.00} contradicts the 120 day filing policy excuse, why is that not subject to their rule also?
Product: Credit card or prepaid card

Hello, since XX/XX/2018 someone has used my name and charged me for {$690.00} on XXXX. I have never spent this amount on XXXX and the statement says that I applied for an XXXX card, which I have never done. I have just received the statement for this a couple days ago from the Midland Credit Management and I am not even aware of the address that is on the statement. The address that is under my name is XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This is not my address.
Product: Credit card

I've always made it a priority to ensure that payments on this account are made promptly, never allowing them to become overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact Equifax multiple times and requested that the fraudulent accounts mentioned be removed. I have provided all the documentation required by the Fair Credit Act, as well as Equifax to have the right for them to remove the fraud accounts. I have provided a current XXXX XXXX Police Report that states both fraudulent accounts as well as the Federal Trade Commission Affidavit and the Federal Trade Commission File Report. Equifax has received this information and refused to remove the accounts as requested. Equifax is reporting fraudulent information to my credit report and I am requesting that the fraud accounts be removed. The two accounts that are fraudulent are, XXXX XXXX XXXX XXXX // with the balance of {$9900.00} // Opened on XX/XX/2019 and XXXX XXXX  // with the balance of {$730.00} // Opened on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX