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

I contacted the companies three months ago multiple times because I pulled my XXXX credit reports because I am in the process of purchasing a home and noticed a lot of inaccuracies a crossed all three credit reporting agencies. For example, XXXX of my accounts states I was late on XXXX XXXX  times, Equifax XXXX, and XXXX XXXX. Another example, one account reporting open on XXXX and closed on XXXX. There are also collections reporting on my reports I never did business with that don't belong to me. The Reporting Agencies refuses to remove unverifiable late payments and accounts. 
In 1970, The Fair Credit Reporting Act was passed into law to help ensure the accuracy, fairness, and privacy of the information in consumer credit reports. The FCRA requires Reporting Agencies remove outdated negative information and inaccurate information disputed by a consumer. Individuals have the right to request a copy of their credit report, to dispute incorrect information, and to ask for verification of the information contained within each credit report. 
If the Reporting Agencies can't validate or verified accounts with proof, the account must be deleted immediately. The reporting agency keep sending me documents stating accounts was verified without providing me proof. I keep asking for proper documents the agency 's are using to validate and verify account information but never received it. 
I just want fairness and accuracy.
Product: Credit card or prepaid card

I have complained for 2 years to stop mailing me promos. 

I even went online and changed my setting to stop!!! 

But bank of america does not care so now i have to complain to you PLEASE GET BANK OF AMERICA TO STOP MAILING ME!! 

I only want mail that i am legally required to get via mail
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding XXXX XXXX " XXXX XXXX '' alleged scoring system that I have been fighting with for at least two years. I have no outstanding credit except my primary residence. Yet, my score went down 23 points in  one month. Balance down. Date of oldest accounts ( average accounts )  up. Should be higher, not lower. Then, in further insult, the reports state that I have not opened enough accounts and my available balance is too low!!! Yet, everyone knows that if I follow the alleged advice, my score would decrease by over 100 points ( hard credit hits are 20 to 30 points negative impact for at least 24 months. ) Then, XXXX would end up reporting that I have too much available revolving credit - since they do not use length of employment or income or assets any longer. 
It is simply outrageous and I am specifically harmed by their false score reporting. Every one is using the XXXX because it is funded and controlled by the big 5 CRAs and no way around them. Another example. I have been in my home 18 years which I bought for CASH. I re-financed to get cash out, then my loan was sold multiple times, w/o the lenders informing me until AFTER the portfolio went somewhere else. So, instead of XXXX linking these together as the same loan with the same Borrower ( me ) and the identical property ; they report these as if they are new loans - and only show me owning this home for two years ... not 18. No call to my bank ( 16 years ) ; lender, etc. has resulted in anything except silence or " it's not our problem - take it up with XXXX ( who will not respond ). Not only that, they actually provide no contact information - it's a circular jerk. They refer you to your bank or lender who then refers you bank to XXXX. According to them, I am just now 7 points shy of falling  out of the best credit group. I need to buy my son a car soon, and some other things, and this will cost me at least 1 % more per month.
Product: Credit reporting or other personal consumer reports

Equifax information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/year> Dear Equifax, XXXX : XXXX XXXX XXXX XXXX XXXX I am contacting you because I have found some information that is inaccurate on my credit report. The date you have this item reported as a charge-off doesnt match my records. I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible. The items in question are : XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate this issue and remove or correct the inaccurate charge-off from my credit report. I would appreciate your prompt attention to this matter and request that you send me an updated copy of my credit report once the correction has been made. Thank you for your time and attention to this matter. Please contact me at XXXX if you need any further information to process my dispute. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my current credit report, I noticed XXXX accounts that don't belong to me. Those accounts are XXXX XXXX XXXX XXXX, opened in XX/XX/XXXX with a balance of {$2400.00}. XXXX XXXX opened in XX/XX/XXXX with a balance of {$480.00}. XXXX XXXX opened in XX/XX/XXXX with a balance of {$460.00}. I have never had any accounts with these companies or established any business with them. I also included XXXX hard inquiries which are XXXX XXXX, XXXX XXXX, and XXXX XXXX. I Did not consent to let these companies run my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 student loan collections on my credit report still being reported by Equifax that should have been removed through a student loan rehab program. The collection account are reporting in error, and should have been removed.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need this account updated and deleted from my credit score. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  I applied to refinance with XXXX XXXX XXXX XXXX they pulled all three of my credit reports through factual data. 
I did not open an account and would like factual data inquiry removed from all three credit bureaus. 
The inquiry is approx 1 year and 6 months old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute 2 fraudulent accounts on my credit report for over a year now with Equifax and they still refuse to validate or delete these accounts. I did not open these accounts and they do not belong to me, therefore i am not liable for this debt. 
The account names are XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft I did no provide written permission or instructions for the identified transactions to be reported on my consumer report. 

CREDITOR NAME 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: Debt collection

I do not have an account with these people and having them calling me 7 times in a row tying up my phone is ridiculous business practice. I DO NOT KNOW WHO THIS COMPANY IS AND WANT IT TO STOP.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX - XXXX... 
XXXXXXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion 3 times about a collection account on my credit report. They did not send me physical proof verifying that this account is mine. They claimed they verified it but this account does not belong to me and I do not have a contract with this company. Transunion refuses to send me information on how they verified this account as mine. I already contacted the Collection agency and they also did not send me Verifiable proof with my signature or contract with this company. Transunion is not compliant according to the FCRA and are reporting fraudulent and inaccurate information on my credit report without any proof or authorization. I also believe that the three credit bureaus are still communicating with each other because even though my accounts are frozen two of the three bureaus didn't have this account and now all of a sudden 2 out of three have this account now. If this is the case then anyone can report fraudulent information onto my credit report without the accurate information.
Product: Credit reporting or other personal consumer reports

I filed a CFPB in the past against XXXX XXXX XXXX ( please refer to complaint XXXX ). This complaint was due to an erroneous account being opened due to a duplication error. I applied for an account but it opened 2 accounts due to an error with XXXX system. It looked like I used XXXX  to purchase 2 sets of the same tickets 2x from XXXX at the same time. XXXX investigated and sent me a letter stating that they determined it was a duplication error and that I was not responsible for the account ( account # XXXX ). While the dispute was going on, XXXX had reported the account past due to my Experian report, but when they determined it was an error, they closed the account immediately. However, due to the past due status it dropped my scores significantly and when they closed it it remained. I took the letter XXXX gave me and submitted it to Experian to ask them to remove the account from my account. I'm a XXXX XXXX and the adverse on my credit could effect my XXXX XXXX status so I was trying to get it resolved immediately. Experian came back and told me that the account was going to remain on my report because XXXX validated that I am responsible for the account. I called Experian and spoke to the representative to ask how XXXX has validated it when they gave me a letter stating otherwise. The rep told me he was unsure because there was no record in Experian 's system showing that XXXX had sent any documentation proving that the account was mine. He had me submit another dispute with him over the phone and walked me through how to resubmit the letter from XXXX. Well Experian came back again and gave the same results that the account and information would remain on my report. 

I do not think Experian has done their due diligence in verifying information especially because I was told there was no documentation on file from XXXX counteracting my dispute but they did have a letter from XXXX that I submitted and they refused to acknowledge it.
Product: Credit card or prepaid card

On XX/XX/2021 my sister added as an authorized user to her Bank of America credit card. As of today, I still have not been updated on my credit report. I called Bank of America on XX/XX/XXXX and was advised by a customer service representative that Bank of America doesn't report authorized user accounts to the credit bureaus. I asked for documentation of this and was hung up on. I called the Bank of America compliant line and spoke to XXXX in the Texas office and was advised that they would be escalating my complaint. I was told that Bank of America does report authorized users to the credit bureaus. I provided my name, date of birth and social. XXXX advised that they would be expediting the reporting to the credit bureaus. To this day, nothing has been reported. I was provided with cas # XXXX. She said to allow 5 business for a letter and confirmation of investigation.
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 involve in the process.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

Im filing this complaint cause Paramount is reporting a medical debt on my file and I have never visited XXXX XXXX. Someone used my identifying information to get treatment in a hospital in XXXX I filed an identity theft report and police report and I am attaching for your records
Product: Debt collection

My wages are being garnished for a debt I do not owe.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX 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 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 or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX ACCT # XXXX has violated my rig

hts. 15 U.S.C 1681 section 602A States I have the right to privacy. 15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This account was suppose to be taking care of by the XXXX administration dont know what hppen i fhink it may have had something to do with the lawsuit againt XXXX because of the charge errors from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance in resolving discrepancies on my credit report. The following inquiries appear on my credit report, but I believe they are incorrect and should be removed : 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 XXXXXX/XX/XXXX Additionally, I have noticed that the employee information listed on my credit report is incorrect. It states that I am a XXXX XXXX XXXX, but I am currently XXXX. 

Furthermore, the address listed on my report is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not my address. 

I have contacted the credit reporting agencies by mail and reported these discrepancies on their websites. However, I have either received no response, been denied, or experienced delays of more than 40 days with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage is currently serviced by XXXX XXXX XXXX. The loan was previously modified by XXXX XXXX XXXX. Since the loan servicing was transferred from XXXX to XXXX, they have refused to report the debt to the three credit bureaus ( Equifax, XXXX  and XXXX XXXX ). The lack of proper credit reporting has caused my credit score to drop significantly. Per the FCRA 15 USC 1681 -2a ( 1 ), there is a requirement to report all information based on total accuracy. The information reported has been inaccurate in the past and conflicts with prior disclosure issued. Per the FCRA it is also illegal to park or re-age old debt on the credit report. The Federal Trade Commission also requires that the proper and transparent information be disclosed during the collection period of a debt. Ownership of an alleged debt must be properly disclosed per FDCPA rule 803 ( 6 ) ( b ). Per the FDCPA and FCRA rules cited within, I am requesting that all debt ownership information, accounting and payment history be disclosed since the loan modification was completed.
Product: Debt collection

Ive disputed this debt numerous times trying to verify an original contract and balance information. I have never received validation or information on original balance. There has not been a note or memo on collections to reflect my dispute. Lastly this company every month puts an inquiry on my report and updates the balance every 30 days. This company is harassing me.
Product: Credit card

Contacted customer service on XX/XX/year> to request a copy of the 1099C that was filed associated with my accounts. I was told it would take 30 days to receive the documents but I have not received any documentation yet. Called XXXX XXXX  again today XX/XX/year> and was told that they aren't able to send me the documents and she then referred me to the IRS to ask them to send me the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXXXXXX 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

I received reviewed my credit report and notice in accurate fraudulent accounts.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I lack any information on this matter, and the company proceeded without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  would not assist in deleting these negative inquires from my report 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

Fraudulent accounts were opened in my name with XXXX  XXXX XXXX, XXXX, XXXX XXXX and XXXX and XXXX XXXX and associates
Product: Debt collection

I have disputed the company Conserve with all three credit bureaus and they have said that the information is true pertaining to their information. this information is inaccurate. Conserve had reported this balance to the credit reporting agency when this account was under the appeal process and a decision wasn't made. This was wrongfully reported and has no balance due to government loan forgiveness which was approved by the school. please remove it from my credit file. I have evidence that this company also wrongfully reported while the loan was in the appeal process. Attached is evidence of the XXXX balance owed to the XXXX XXXX XXXX XXXX XXXX XXXX from the school officials.