23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally register a complaint concerning the persistent inaccuracies present on my credit report with Credit Bureaus. Despite multiple attempts to rectify these inaccuracies, the requested corrections have not been made, and this has had a detrimental impact on my financial well-being and creditworthiness. 

I first identified these discrepancies on my credit report, and since then, I have made repeated attempts to have them corrected. I have communicated with your agency on the following dates and each time I was assured that the necessary actions would be taken to rectify these inaccuracies. However, despite my efforts, the inaccuracies remain unresolved. 

To support my complaint, I have attached copies of the following documents : Copies of my credit reports, clearly indicating the inaccurate items. 
Any correspondence exchanged with your agency, including reference numbers or case IDs. 
Any other relevant documentation, such as dispute letters or proof of payments, if applicable. 
I insist on a thorough and immediate investigation into these inaccuracies and request that your agency takes prompt action to correct my credit report. These inaccuracies have adversely affected my ability to secure credit, employment, and other financial opportunities, and I expect them to be rectified without further delay. 

Furthermore, I kindly request a written confirmation of the actions taken to resolve this matter and updates on the progress of the investigation. Please assist me to remove the following inaccurate items : 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 or other personal consumer reports

TransUnion is reporting false information on my credit report I will put a side-by-side comparison of other credit agencies showing that trans-Union violates my consumer rights XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX there are several errors and incorrect details on these accounts. i have one address one social that I will provide those other addresses are unavailable addresses I can not receive mail at
Product: Vehicle loan or lease

I tried to dispute this incorrect data reported by Ally Bank. Extension was granted on the telephone for auto loan contract. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXwere all reported as late because of the inability of Ally bank to send the contract in the mail to my home address. When the supervisor at Ally bank was notified of the situation, they said they resent it 3 separate times in the mail to the address on file. Payment was not sent to Ally and I was confused why it had not been received yet in the mail. Supervisor made excuses and said it was my fault ( consumer ) although I know this not to be true. It took over 60 days to finally receive their paper work and when I escalated this complaint to the supervisor I was told that it was my fault I did not get the paperwork back and Ally said they would resend it. After 3 weeks it still did not come and I called back and the situation repeated 2 more times until about 65 days later the paperwork was received and sent back signed to Ally and payment was made within 1 weeks of the paperwork being received but I was told by Ally that they would not remove this for my credit even though this issue was 100 percent due to an inability of Ally Bank to send the paperwork to the correct address on file multiple times in a row. Please help resolve this.

This is from credit report : Account Details Account status Open Type Automobile Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Worst payment status 60-89 Days Late Times 30/60/90 days late 3/1/0
Product: Credit reporting

I have a Credit Freeze with Equifax XXXX XXXX XXXX XXXX, XXXX GA XXXX. I applied and paid at the Equifax website for a temporary lift on XXXX/XXXX/2016 that I could submit to a bank to process a credit card application. Equifax would provide the required information in a PDF file but the Equifax website crashed with a software error ( something to the effect that it could not start XXXX reader or similar ) and did not produce the PDF file with the information. 
Equifax does not provide a customer phone number ; Equifax does not provide an email address ; so there is no way to communicate with Equifax to either have a refund and try the request again, or for Equifax to allow to try the request again, or for Equifax to simply email the PDF file. 
The Equifax website will provide a customer phone number only if you have an account with Equifax but to have an account with Equifax you must have purchase a product or a service from Equifax. The fact is that I do have purchased and paid for XXXX product/services with Equifax : I purchased and paid for a Freeze product, and I purchase and paid for a Unfreeze product but Equifax never provided an account number for those product/services. 
Equifax only provides a XXXX XXXX XXXX number for resolving this issue. This is not acceptable because the bank credit card application for which I need the unfreeze report has a time limit and postal service resolution is not a viable alternative. 
This is a deceptive and shady business practice by Equifax. Clearly the intent is to discourage the use of credit report freezes. Equifax should provide a way to resolve these issues in real time either by providing a phone or an email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Whom It May Concern : Pursuant to 15 uS 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 uSg 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. You guys have unauthorized use of consumer transaction and also refused to disclose to an consumer their information on file and its history. Its illegal to withhold consumer information upon request. I DEMAND TO CEASE AND DESIST ALL ILLEGAL REPORTS FOLLOWING. 

* ALL EMPLOYMENT ( XXXX XXXX XXXX ) * ALL inquiries unauthorized to furnish * REMOVE ALL COLLECTION HISTORY and keep the amount on file * INVOICE {$1000.00} per individual action
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  XXXX, Account Number XXXXXXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX XXXX, Account Number XXXX XXXX XXXXXXXX, Account Number XXXXXXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX, XXXX, Account Number XXXX XXXX XXXX, Account Number XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions
Product: Credit reporting

I obtained my free credit report through Equifax and was able to download it. I decided that I also wanted to purchase my credit score after I had logged off. I followed the instructions on the Equifax website to call the automated telephone system. I followed the prompts and entered my credit card information. The automated system stated that it needed to transfer me and then disconnected before confirming my purchase. I called Customer Service at Equifax and spoke with three representatives. The first did not understand XXXX ; the second verified that my purchase had been made but could not verify if the information would be mailed to me ; and the third was neither able to verify that the purchase was made or that anything would be mailed to me. I am very frustrated that the Federal Trade Commission would use this company as XXXX of the XXXX reporting agencies when the company can not provide me accurate information about whether or not my credit card was charged. It also needs to be made explicitly clear on the XXXX website that if the credit score is not purchased at the time the report is ordered, it will be very difficult to purchase the score.
Product: Debt collection

To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. NATIONAL CREDIT ADJUST # XXXX Please verify this account. Under the Fair Credit Reporting Act unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The XXXXhree credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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

The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) a court order. d ) employment. I recently pulled a copy of my credit report and noticed inquires that I did not authorize and do not fit A, B, C, or D above. I also sent an FTC report 30 days ago. Remove the following inquiries : XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX, XXXX XXXX XX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX XXXX,
Product: Credit reporting or other personal consumer reports

Collection Account. {$960.00} past due as of XXXX XXXX. Date account was opened was XX/XX/year>. 
I am writing to dispute a closed account that appears on my credit report, as I have no knowledge of its existence, and it is negatively impacting my ability to obtain credit and provide for my family. The account in question does not belong to me, and I firmly believe that its presence on my credit report is unjust and unlawful. The account in question has been affecting my credit score, making it difficult for me to secure loans, obtain favorable interest rates, and access essential financial services. This undue burden has not only hindered my financial well-being but has also impacted my ability to provide for my family 's needs. I request that the erroneous account be promptly removed from my credit report to rectify this situation and restore my financial standing. I am prepared to provide any necessary documentation or information to support my claim and expedite the resolution process. I trust that the CFPB will investigate this matter thoroughly as I have already submitted a dispute to Experian and The Better Business Bureau, and take appropriate action to ensure that my credit report accurately reflects my financial history. Your assistance in resolving this dispute is greatly appreciated, as it will alleviate the undue hardship that this incorrect information has caused me and my family. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section to diminish speculation my information is as follows
Product: Vehicle loan or lease

To whom it may concern, My lease expired in XXXX. My intentions were to purchase my vehicle but due to covid and lockdown restriction did not have the opportunity to go find a financial lender nor get a buy out from original dealership. Kia finance said they understand and gave me a 30day extension over the phone. On XX/XX/XXXX I spoke to KIA again and stated my wife was XXXX  and I would need more time, the representative said we will give you a 6 month extension all the way up to XX/XX/2020, as long as I paid the previous balance which was in amount of XXXX, which I gladly did. Fast forward my wife had tested XXXX  for XXXX  and it complicated birth plan including moving her XXXX that was schedule to remove her XXXX  due to the fact she is a high risk. On XXXX XXXX my XXXX  was born. Today XX/XX/2020 I woke up to find my car missing and according to KIA finance manager XXXX my car was repossessed. When I asked why was that when i had an extension and we had a agreement the said agreement was never finalized, rather than contacting me, they repossessed my only working car on a day my XXXX  had a doctor appointment for his 2 week check up. I asked why was I repossessed? did i owe you money?, he said no we actually have credit for you. I asked what was it then, he said because of a contract that was not finalized, I said but you have your money why could you not have just sent again I will gladly resign and submit he just kept telling me to bad nothing I can do. I pleaded and expressed the embarrassment in front of my neighbors, my wife post hormonal crying because of the stress of us not being able to make our babies doctor appointment and everything to no emotion or empathy just did not care. When I went to pick up my belongings, they did not allow me to get the things out of my car which they already had gone through and packed. I could not remember everything in car but the 2 most important things where my children car seats and my firearm, which they had gone through and taken apart. As well as now to receive my belongings I am being charged {$100.00} cash fee to get my own things that should have never been taken away in the first place during these challenging times. Which again I have barely left my house in over 2 months to avoid contacting or getting infected with the covid which would affect my wife newborn and XXXX XXXX XXXX. During this time of need I do not understand how you guys can tell me to pay my bill and when you find out I do not have a bill you hang up and claim a disconnect and say themselves they have no reason why this car was picked up. I feel very disrespected and can not believe the way I was treated after being a loyal customer for over 9yrs and not even get a proper apology nor explanation on why the events have occurred and brought such much turmoil to me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first received the collection from ERC on XX/XX/2018. I responded immediately with a certified validation letter that they received on XX/XX/2018. On XX/XX/2018, they sent another letter acknowledging receipt of my letter. They only provided a bill for validation. On XX/XX/2018, I sent them a response letter informing them that they did not correctly validate the debt. They received the certified letter from me on XX/XX/2018, but I never heard back from them after the second letter I mailed them. Next thing I know they reported to at least two of the credit bureaus on XX/XX/2018 stating that I owe this debt that they never validated.
Product: Credit reporting or other personal consumer reports

Delete off my credit report its saying that I have a late payment for XXXX but I do not have a late payment for XXXX. I pay XX/XX/XXXX. I close this account I want this account deleted off my credit report. It is a close account now thank you.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the handling of my credit report by XXXX, XXXX, and Equifax. Despite my multiple requests for re-investigation, the inaccuracies on my credit report have not been resolved, and the previous complaint was closed without proper action taken to address the errors. 

These credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ), particularly : FCRA Section 1681i ( a ) ( 1 ) The credit bureaus failed to conduct a reasonable investigation of my dispute, leaving inaccurate information uncorrected on my credit report.

FCRA Section 1681e ( b ) The credit bureaus did not follow reasonable procedures to ensure maximum possible accuracy of the information they reported, as they allowed inaccurate information to remain on my report. 

FCRA Section 1681c ( a ) ( 5 ) The credit bureaus continued to report outdated information, as the date of last activity on certain accounts is incorrect, violating the law regarding the reporting period for negative information. 

Due to these violations, I request that the CFPB investigate the matter and ensure that these credit bureaus follow the necessary steps to correct the inaccuracies and comply with the law.
Product: Checking or savings account

On XX/XX/XXXX, I received my tex return into my Venmo account. On XX/XX/XXXX, I tried to transfer {$1500.00} from my Venmo account to my XXXX  account. It never went through. On XX/XX/XXXX, they notified me that my account was frozen due to violation of Venmo, which they never stated what was in violation, & they asked me for a picture of my Id to confirm my identity. I sent them a picture of my Id on XXXX XXXX called Venmo and they told me they can not help me on the phone and the only people who can help me are the account specialists which only communicate via email. Since then, I have exchanged countless emails with them, theyve had 5 different account specialists email me asking for the same Documents which Ive submitted over and over. On XX/XX/XXXX, they emailed me saying they made a final decision that my account is permanently closed & theyre keeping my money, which is over {$5000.00} for loss prevention. I emailed them back asking why and they told me that their decision is final and not to email back because they will no longer respond. On XX/XX/XXXX, I called Venmo again, they told me again they will have someone email me because they can not help me Over the phone, and I asked to speak to someone higher up. They left me on hold for 15 minutes, and the so called supervisor, very nonchalantly repeated over and over that theres no one else I can speak to and he cant help me.
Product: Checking or savings account

I noticed a bunch of XXXX XXXX  transactions coming out of my bank. I called Bank Of America to dispute these transactions. I called Bank Of America to file this claim on XX/XX/2021. The total claim amount was {$2100.00}. On XX/XX/2021 I got an update on my claim saying that could not pay me back the money that was stolen from my account. I am absolutely livid. I have been struggling to put food on the table because of this setback. 

I even spoke to XXXX XXXX about this matter and they were absolutely 0 help to me at all ... this is not the first time I have had problems with XXXX XXXX and I believe they are doing some shady stuff behind users backs.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA VIOLATIONS : SEE ATTACHMENTS : NOT MY NAME : XXXX XXXX NOT MY ADRESSES : XXXX XXXX XXXX XXXX XXXX, TX XXXX NOT MY INQUIRIES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX NOT MY ACCOUNT : XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed. {$47000.00} written off. 


XXXX XXXX XXXX Account Number xxxxxx XXXX Account Status COLLECTION Owner INDIVIDUAL Account Type OTHER Creditor Classification FINANCIAL Loan Type XXXX Original Creditor Name XXXX XXXX XXXX Months Reviewed 19 Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$24000.00} Credit Limit {$0.00} High Credit {$47000.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX XXXX
Product: Debt collection

I do not owe on a  XXXX   XXXX  collection bill,  XXXX   XXXX  is my current service company and I always pay my bill on time and have active service. This is inaccurate data
Product: Credit reporting or other personal consumer reports

I have called credit bureau to get all inquiries removed from my credit report because it's not me it still shows on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint regarding inaccurate personal information that appears on my Experian report. 
I have sent XXXX letters over the past XXXX months to Experian with attachments from the FTC as evidence that the previous address reported on my report is inaccurate. However, Experian refuses to delete the address from my report. 
Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( XXXX ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( XXXX ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the XXXX has in the consumers file. Section 605 ( h ) ( XXXX ) requires the federal banking agencies and the XXXX ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. 
I request that the inaccurate address is removed from my credit report immediately.