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

I ordered a copy of my report from XXXX on XX/XX/XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. I have a loan with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX ; and XXXX XXXX  XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX, as I believe these accounts are reporting in error.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. Account name-XXXX XXXX XXXX Account name-XXXX XXXX- XXXX Account name-XXXX XXXX  XXXX Account name-XXXX XXXX XXXX Account nameXXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 section 602 A- States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2- It states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( A ) ( 5 ) Section- states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than the records of convictions of crime which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 6802- states that a consumer is required to receive an opt-out notice at the time that the account is created and being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX debt collector has not provided me proper debt validation for this aege debt. Please delete this from my credit report. I am unable to file a dispute online
Product: Mortgage

Roundpoint had me sign an approval to participate form in order for them to approve the short sale of my home. After many months of offers being put in on my home and losing the offers ( because Roundpoint simply took to long to approve the short sale thus giving them more money in fees that I owed ... some of my offers were almost over what I owed on the home to begin with and I even had a cash offer fall through ) they finally had me sign an approval to participate saying they would accept an offer that was made on my house. In the approval form it states that if I successfully close on the sale of my home following their procedures ( which I did ) that they would compensate me {$750.00} at closing. And that my compensation would increase to {$1000.00} if I closed before XXXX XXXX ( which I also did ). It says I may elect to receive cash or apply some of all of the compensation to sales costs not paid by HUD. Now, when the closing happened they never asked me how I wanted to receive this compensation ( I would have elected to receive cash ). It was never put on the HUD ( nor could it have been, because in a short sale there may not be a payout ). Now, over a month later after my closing I still have not seen the compensation they promised me for doing these things. According to a party at Roundpoint ( all conversations at their company are recorded ) they may not pay out because of some type of Respa ( not sure if that is correct ) procedures. HOWEVER, I asked her several times if respa procedures include anything about a compensation. She said " no ''. I said " then Respa has nothing to do with this compensation because it is not a normal procedure, correct? '' and she said " correct maam '' then went on again talking about Respa. The paperwork clearly states they would pay me the compensation if I did everything they asked. I did everything they asked and then some. I suffered fines and fees for over a year because of this company dragging their feet and me losing potential buyers on my home. Roundpoint owes me {$1000.00} according to this agreement. And I am willing to take the matters to court if they do n't compensate me what THEY owe me. My realtor did not give me this paper, the title company did not give me this paper, ROUNDPOINT did. Therefore, they owe me the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft as far back XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Product: Credit reporting or other personal consumer reports

My information was included in a data breach in 2019 by XXXX. Where my social security number and ID was compromised. There have been several account appearing on my credit that I did not open nor have I ever had a relationship with these entities. I would like these items removed from my credit report as they are becoming a hinderance. The accounts are as followed XXXX XXXX XXXX {$1900.00}, XXXX XXXX XXXX. These accounts have been removed from all of my credit reports except for XXXX. I would like these to be removed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 or other personal consumer reports

Inquiries that I did not authorize : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hard inquiries from XXXXXXXX XXXX XXXXXXXX and JPMCB Card Service which I believed I never transacted or consented and dropped my XXXX credit score to XXXX
Product: Payday loan, title loan, or personal loan

Lending Club continues to list and report my payment as late to credit reporting agencies, despite the fact that the initial error in receiving payment was their fault as acknowledged by their employees, and the recorded conversations that I have had with them, and their own internal records. I have called numerous times and asked to speak to a manager, I have requested that a manager contact me to no avail. Each time I call, the representative is typically too lazy to read the notes on the account before requesting payment on the account. Additionally, I have emailed and requested that a manager contact me to no avail. On at least three occasions Lending Club employees have advised me not to make a payment until this matter is resolved. I am ready to pay this entire amount that is owed and wish never to be bothered with this company again if this matter can be resolved. It should not be this hard given all the detailed records and recorded conversations for this to be resolved. Everything that I have stated can be verified by Lending Club 's records taken during conversations with their employees.
Product: Credit card

On XX/XX/XXXX  I placed an order with JCP for Black Friday specials, and when I went to check out, my JCP card wouldn't work. A coupon from XXXX Pay pal popped up on my screen and offered me an {$18.00} coupon if I paid for my order through Pay Pal. My JCP card was attached to my Pay Pal account, so JCP charged me six times for various amounts totaling {$470.00} ( they charged me only when they shipped the boxes out ). and then they charged me through Pay Pal for {$450.00} for the same order. I only received one order, but I was charged twice. I have tried to resolve this issue for over 8 months now, and it is still in dispute status, but has not been corrected. JCP is blaming PayPal and Pay Pal is blaming JCP, so I have been back and forth so many times, I can't count.
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 

Please update the following accounts and paid, never late.

15 U.S. Code 1681 S-2 ( a ) ( 1 ) ( F ) - Reporting During Covid-19 ( Instructions Please Update to Never Late ) XXXXXXXX XXXX Account Number : XXXX Dates that need to be updated to current XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX of XXXX to now XXXX over drawn accounts and credit cards maxed out of my name with out auth or knowledge of my own
Product: Debt collection

As of XXXX XX/XX/year> the company 's website does not allow me to make my ordinary {$50.00} per month payment. I called their number that date and they took my information telephonically but never charged my account, as of XXXX XXXX 2025. I think they may be trying to default me from the court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

If the XXXX forces big financial institutions to be more transparent and accountable so investors have a greater say in company issues, and if they strengthened enforcement of existing laws and eliminated loopholes that allowed risky and detrimental behavior.Than why is Experian getting away with what they have done to my credit report. I have been checking it daily since XX/XX/XXXX because I'm finally at a place in my life where I can start working and fixing on my credit I been noticing some very risky behavior that is not transparent whatsoever it's obvious and I saved it so I can show you exactly what I mean by risky behavior because these little changes to my credit report it started with invalid information on XX/XX/XXXX so began a dispute so on XX/XX/XXXX it was changed to more recent accurate and valid information so I figured well they updated it and that's great because that's more accurate then I go back on the old reports to compare the differences to the new fixes on my report to the old report which was horrible and on the old report it shows valid information as well with the date of XXXX when I pulled my first credit report from the year also on that report it showed nothing of any differences which was kinda confusing to me but I just left it at that. Now what I have a problem with now is I checked it again yesterday and everything was back to how it was at the beginning horrible innacurate again and of course that has to make me look bad because it's innacurate they have payments and statuses filled in unknown and dates wrong again and just basically Making me look bad I pull the old reports again as well and it's back to the horrible report again this to me is not risky behavior but it's causing tremendous damage to my credit and I want something done about this immediately Experian is the only credit reporting agency out of the three that is doing this to me and the way they subtitle the dispute information before I start a dispute with them is expressed with very derogatory statements for example. you can dispute this account but more than likely it's not gon na change and basically what they are saying if I dispute the account information they have on my credit report it's just a waste of time because nothing is gon na change. That to me is very unprofessional it probably makes people like me who pay attention to stuff like that think they don't have a fair chance I have screenshots I saved of the differences from XX/XX/XXXX until yesterday of the what I believe intentional changes of the information on my credit report that has obviously harmed my credit
Product: Credit reporting

Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XXXX/XXXX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our XXXX score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance
Product: Credit reporting or other personal consumer reports

I have been disputing/inquiring about the following items on my credit report over the course of the last year with Experian Credit Bureau XXXX Every time I send a request directly to this bureau they have failed to " prove '' that the reported items in question are accurate and true. They either do not respond or simply say that it is correct with no information or documentation that can verify that these accounts are valid. 

Please see attachment
Product: Payday loan, title loan, personal loan, or advance loan

there is no way to pay the loan off. there is no way to contact the company on the app it say I paid it off but it's still on my credit report
Product: Money transfer, virtual currency, or money service

XX/XX/year> wire transfer initiated for {$31000.00} for purchase of auction boat XX/XX/year> money removed from my account XX/XX/year> supplied additional requested info XX/XX/XXXX thru XXXX  called for update told in XXXX XXXX no futher info XX/XX/XXXX call to check was told it had XXXX sent and given tracking # unable to track with # XX/XX/XXXX withdrew same amount from another bank for cashiers check and drove XXXX hours each way to deliver to vendor to prevent loss of asset XX/XX/XXXX called and asked for correct tracking XXXX # was told they do not have it and previous # was their internal tracking as I have had to make alternate payment I request money be returned to my account and fee canceled was told they can't as it has been sent without tracking #
Product: Credit card

ON XX/XX/year> CITI CLOSE MY DISPUTE WITHOUT PROPER INVESTIGATION THE REASON IS " FORGEIN COUNTRY '' I LIVE IN PUERTO RICO IS PART OF USA I FEEL THEYRE DISCRIMINATE AGAINST US IM VERY DISSAPOINTED BECAUSE WHEN THEY FIRST SENT DOCUMENTS TO FILL OUT ON OR BEFORE XX/XX/year> I FILL OUT ALL PAPERWORK THAT WAS REQUESTED AND BEFORE THEY REQUESTED INFO THEY DIDNT CHECK MY ADDRESS
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer.
Product: Student loan

When nearly XXXX  years, the plant was trying to remove what was fraudulently. Issued school loans with a language barrier. No reading of full disclosure, violating every chilla statute in the book I was snookered into signing a {$100000.00} with the school loans, I will never seem to get ahead of payoff or otherwise the detrimenting fact. Being that my family or myself could never buy an adequate house, buy an adequate car or even excelling my business. Because I constantly trailing by a XXXX dollars. Excuse me, by a {$100000.00} loan. That would never come to fruition, never end, never complete period this is the reason why the truth and letting act was. Develop in order to keep shoddy sales people in shoddy companies from issuing alone. I couldn't afford because of that fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello the XXXX XXXX XXXX account listed on my Experian credit report was charged off in XXXX and was recently settled and paid. It is now reporting in the payment history listed on Experian as charged off in XX/XX/XXXX when in fact it was settled and paid in XX/XX/XXXX. XXXX shows no payment history for this account and the status as paid and XXXX has it showing as account status charged off. I have the right to accurate complete 100 percent verifiable information on my credit report per FCRA. This account is also a negative account that is more than XXXX XXXX XXXX and outdated information appearing on my report is a violation of FCRA. Please see attached copies of my Experian XXXX and XXXX reports regarding this account. Thank you.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent formal complaint to the three credit bureaus XXXX, Equifax and XXXX requesting all documents be sent to me to verify this account on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.