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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit 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 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 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 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 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 XXXX XXXX XXXX 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 somebody else 's collection showing up on my Experian credit report. They have a similar name like mine but a different date of birth and a different social. I have called experian on the phone for 3 hours and they just put me on hold. I have also sent certified mail over 30 days ago ( proof attached ) and they have not resolved it yet. 

I have sent Experian plenty of proof that it is not me but they keep reporting the other persons collections under my report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an entry on my credit report pertaining to a credit card account that has been both paid off and closed for over a year. The account in question is with XXXX XXXX  and I request your immediate attention to rectify this matter. 

The credit card account was successfully paid off and officially closed XX/XX/2022. I have diligently met all my financial obligations, and the account in question should no longer be reflected on my credit report. I have enclosed proof of payment and the closure confirmation from XXXX XXXX for your reference. 

Despite the closure and payment, I recently discovered that the account is still appearing on my credit report, negatively impacting my credit score. This is not only inaccurate but also unjust, given that I fulfilled all obligations and closed the account as per the terms agreed upon. 

I kindly urge you to conduct a swift and thorough investigation into this matter, ensuring the accurate reflection of my credit history. The continued presence of this account is causing undue stress and affecting my financial standing adversely. 

I have attached all relevant documentation supporting my claim and kindly request your immediate attention to this matter. Your assistance in expeditiously removing this inaccurate entry from my credit report is greatly appreciated. 

Thank you for your prompt action in resolving this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$440.00}
Product: Money transfer, virtual currency, or money service

I sent them an email on XX/XX/2021 requesting they unlock my account. I am not able to sell or trade. It appears after I made an official complaint about the the first time, Binance.us has retaliated by disabling my account. But they dont have a problem when I withdraw money from my bank to use on their platform. Binance.us This is theft. They have my crypto currency locked. 

This is not how a company should be operating.
Product: Credit reporting or other personal consumer reports

I have received XXXX credit complaints from different banks, which have affected my credit score, yet I have not applied for any of these, the only thing I have consciously applied for is XXXX XXXX  XXXX credit cards. I need your help to solve this problem and erase these XXXX complaints from my history. Please.
Product: Credit reporting

XXXX XXXX, XXXX On the XXXX of XXXX XXXX all of my inquiries were removed and were put back on my report the XXXX of XXXX XXXX. 
Equifax is required by law to inform me within 5 days of reinsertion that they are adding anything to my report and since Equifax failed to notify me, they have broken the law. 
Equifax has violated my rights under the FCRA Section 611 laws! I have called several times and representatives were belligerent and unknowable. 
I have proof of the removal and reinsertion from XXXX XXXX, Equifax Total, and various credit card online reports. May I remind you that it merely costs {$30.00} to file lawsuit against Equifax, and that to avoid having to do that, I am simply requesting a removal of all inquiries and derogatory account that was removed/deleted and reinserted without notification. 

Delete account : 1 ) XXXX XXXX XXXX Delete Inquiries : 1 ) XXXX XXXX ( XXXX XXXX, XXXX ) 2 ) XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) Credco/Quicken ( XXXX XXXX, XXXX XXXX 4 ) XXXX XXXX , XXXX ( XXXX XXXX, XXXX ) 5 ) XXXX ( XXXX XXXX, XXXX XXXX 6 ) XXXX Bank XXXX XXXX XXXX XXXX, XXXX XXXX 7 ) XXXX XXXX Bank XXXX ( XXXX XXXX, XXXX ) XXXX ) XXXX ( XXXX XXXX, XXXX ) 9 ) XXXX ( XXXX XXXX, XXXX ) I can see very clearly that they were deleted and reinserted which dropped my score dramatically. It was a mishap in Equifax 's system and while unfortunate, this was not due to anything in my control yet I am being penalized for it with a negative effect on my score. 
I do n't care about XXXX party credit monitoring services, about glitches or any of that. I do know my rights and I know that per FCRA Section 611, you broke the law. 

Please send me a written confirmation that you have complied with my requests. 

Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting or other personal consumer reports

I discovered this morning that incorrect accounts have appeared on my credit report, and I have no clue how they got there. When I checked my report as I normally do, I was surprised to find unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the errors remained. Since the issue persists, I request a thorough review of the documents I have submitted so I can put this concern behind me for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor. 

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and XXXX XXXX format formateignoring to report. 

U S DEPT OF EDXXXX Account ID : XXXX and XXXX and XXXX and XXXX I have exhausted all of my options to resolve this matter and I am now demanding that the account be deleted from my credit report due to being invalid and unverifiable. 
If there is no proof of debt ( in fact it was paid in full and never being late ) and no verifiable information, then the information may not be reported to the credit bureaus nor reported under the Fair Credit Reporting Act. The incorrect account information on my credit report can not be verified, so it must be deleted from my credit report or you will be in violation of the FCR Please see attached documents of proof of me sending the letter to the agencies. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

It is very urgent that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX IA XXXX **Subject : Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate information reported by XXXX and Experian on an XXXX/XXXX  account ( Account # XXXX XXXX ) that does not belong to me. 

Below are the specific details of the account as reported by each bureau : - *XXXX* - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$770.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Charged off as bad debt ; Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor ; Sold to : XXXX XXXX XXXX. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX - **Experian** - Account Type : Revolving - Account Status : Derogatory - Monthly Payment : {$0.00} - Date Opened : XX/XX/XXXX - Balance : {$0.00} - High Credit : {$0.00} - Credit Limit : {$500.00} - Past Due : {$0.00} - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX - Comments : Purchased by another lender ; Unpaid balance reported as a loss by the credit grantor. 
- Date Last Active : XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I have never opened or authorized this account. As such, the information reported is inaccurate and must be corrected or removed. 

I request that the CFPB investigate this matter and instruct XXXX and Experian to remove the incorrect account information from my credit reports. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Prepaid card

I had lost a phone and wallet when I was moving out of town. I later found it was my old roommate. Whom had resetly passed Away and I had sent and faxed all supportive documents to the bank and still haven't received anything from them but another complaint filled and this has gone on way to long. I need the money I never received and this is not fair. I disputed transactions and put in complaints and it's just not fair or going anywhere. I put in my XXXX the times I contested the description for them saying I let someone use and steal my XXXX money so they denied my dispute when that Isn't the case and I don't have anything from them to backup there desition on my account. Just need to get what's owed to me and I can be done with this headache. What time and gas, phone calls and hours on hold to be once again back to square one and there rebutle was we haven't received anything from you staying my case and supporting evidence hasn't been received after XXXX faxed and XXXX plus hours on phone to have the excuse that there are no supportive documents to grant money to me. Don't know. What else I can do to get what I never received.
Product: Debt collection

USAA IS IN VIOLATION OF LAW. USAA APPLIED ( 0 ) zero NO TEMPORARY USAA CREDITS TO MAKE  PERMANET. See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIN DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS {$470.00} CLAIMING TEMPORARY CREDITS MADE PERMANET. ( I have complained for XXXX XXXX years NO CREDITS WERE PROVIDED. ) See attatched USAA REVIEW OF YOUR CLAIM COMPLETE XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND. 
USAA STILL HAS NOT PROVIDED THESE PERMANET CREDITS. Per statutes Fraud BY LAW MUST BE RESOVED IN ( 2 ) Two Billing Periods. THE LAW IS VERY CLEAR. USAA IS IN VIOLATION OF FAIR CREDIT ACT LAWS.
Product: Debt collection

I never used the service, but somehow charged on my credit report. ( {$530.00} ) and now even though it is saying " Account information disputed by consumer, meets FCRA requirements '' I 've attempted to request for removal several times. It is still reported on my credit report. Frustrating as I do n't have any documents started with. If I used the service I will have the document, but I do not have one
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed I was a victim of identity theft because I accessed my credit reports and seen a Capital One account that had a balance of {$380.00}. I filed the necessary identity theft report with the XXXX and the XXXX XXXX Police Department. I mailed it certified mail to Experian, XXXX  and XXXX on XX/XX/2020. Notification was sent XX/XX/2020 from XXXX that it was removed and blocked, and XX/XX/2020 Experian advised it was removed and blocked. As of today XX/XX/XXXX, I am noticing that the items have been reinserted without proper notifications. I did not receive any mailing from them that indicated it would be reinserted or the information that they found the account to be accurate. Under article 609, they have no signed contract verifying I had many any transaction with Capital One.  On XX/XX/2020 I did apply for a Capital One Quick Silver card as a recommendation online from Experian and was approved. I did provide my information then. Experian and XXXX also continue to report inquiries on my credit report that have not been authorized by me and were included in my XXXX and police report. I did not have this issue with XXXX 

I have also reached out to Capital One requesting validation of said account on XX/XX/2020 to no response. Instead they have sent me to XXXX XXXX XXXX which is a collection company and even then they have no proof and are not reporting on my credit files. I advised them to stop calling me and harassing me over a debt that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this issue with each credit reporting agency for a number of years. I have never had a student loan nor have I ever taken out a credit card with XXXX XXXX  yet every time I see my reports, these two accounts continue to appear. I have uploaded exhibits to assist in helping me remove these accounts from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft. I have enclosed my ID, Identity theft report and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report and a letter citing all the fraudulent accounts on my credit report I did not make these charges mentioned with the list. I achieve all the qualifications under 15 USC 1681c-2 for Blocked and Removal of the information on my consumer report. Failure to comply is a violation of my rights as a consumer.
Product: Mortgage

I was reviewing past mortgage statements and came across a charge of {$45.00} added to my bill for a property condition inspection report. No one came to my home and presented to me as an inspector or for an inspection of the property. I am not behind on my mortgage, nor did I owe any late fees. My home is in good repair and the yard is kept trimmed, all utilities are on and those bills are up to date. 
I think this is just a scam charge added to my bill for the purpose to make money off of fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

****** XXXX ***** Inquiry details Equifax Mort Inquiry from XX/XX/2018 Misc. 
XXXX XXXX Inquiry from XX/XX/2018 Misc. 
XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX Equifax XXXX : Inquiry details XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Product: Credit reporting or other personal consumer reports

The date of the first delinquency that I have with Capitol One, does not match the date that I have. Under 15 USC 1681 B E, you must provide MAXIMUM POSSIBLE ACCURACY. I'm also asking full disclosure of the XXXX of my profile.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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.

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! 


Update the late payments from my consumer reports
Product: Prepaid card

In XXXX of XXXX I started working for a company who provided me with a " Global Cash Card ''. I found out recently via their website that the company was acquired by Wisely by ADP. When I activated the card, I was not aware that I was dealing with Wisely and was not given a breakdown of the conditions and fees of the card. Since then, Wisely had been charging me fees that I had not agreed to or been made aware of. Wisely charged an " inactivity fee '' of XXXX dollars monthly for years at no point attempting to notify me in addition to a Debit. In XXXX of XXXX I was charged XXXX separate " Dormancy Fees '' every few days. On the Cardholder agreement list of fees there is no mention of a Dormancy fee. The total charges amounted to roughly XXXX dollars however, many of my online statements are inaccessible and I'm not certain the total number of fees I was charged. For 3 years I wasn't even aware that I had an account with Wisely never mind that I was being charged a large amount of fees.
Product: Mortgage

I opened a Chase Mortgage loan application XX/XX/XXXX. I put an offer on a home and secured a rate of 4.125 %. My realtor asked my loan officer who I will list below whether I can get the loan due to Fannie Mae and XXXX XXXX requirements on condominium buildings only have 60 % investor. She stated it was ok and it wave financial contingencies. XX/XX/XXXX escrow was supposed to close. It could not because XXXX did not do her due diligence. I had already transferred $ XXXX into escrow. I lost my deposit due to XXXX 's negligence. 


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

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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