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

I want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/1972 Balance : {$4800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to login in with my Equifax login information as was given an error message that I needed to call in and get a new password. I called in and able to talk with a woman who I could hardly understand. She was asking me questions in very poor broken XXXX. I asked on over 10 times to be transferred to US based customer service. At this point she and I are both very frustrated. She told me she was not able to verify my identity and that I would need to send in Information. I'm not sure what information or where to send it. 
I again asked to be transferred to US based customer service. She asked if I had any questions. I said YES. I don't understand what you are asking me to do. At that point she said she would tranfiet me and next thing i know she has hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CHECKED MY CREDIT REPORTS AND FOUND FRAUDULENT INFORMATION I CONTACTED THE THREE CREDIT BUREAUS THEY ADVISED ME TO GET A POLICE REPORT SO THE FRAUD CAN BE REMOVED FROM MY NAME. I DID THAT AND SENT IT IN TO THE CREDIT BUREAUS, XXXX WAS THE ONLY COMPANY THAT REMOVED ALL FRAUDULENT ACCOUNTS AND INFORMATION TRANSUNION AND XXXX DID NOTHING. I WANT THIS FRAUD REMOVED FROM MY NAME ASAP. THIS INFORMATON IS DEMAGING MY NAME AND CREDIT WORTHNESS. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Debt collection

You have allowed a company you say you cant find in your records, place a negative mark on my credit report for an erroneous charge that does not belong to me. If you cant find them to address this error it should be immediately and permanently removed from my report
Product: Bank account or service

My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXXXX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes which antedates the report by more than seven 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax asking for the accounts on my report to be investigated and verified. I received a letter back from Equifax stating that the accounts I requested to be invested were not being reported on my credit report, however they indeed are being reported. I sent the company copies of my report that shows the accounts as well as a copy of the letter they sent. They still state that the accounts are not being reported on my credit report.
Product: Debt collection

Doctors business bureau have me on collection for an accountunder my son 's name. He son is XXXX and he has been receving medicaid since he was born covering 100 %. Icontacted them to let them know, but they were very rude to me and basically told me that by this now, it was too late to call medicaid and that i was responsible for the account. They told me that I had to pay the total in only one payment. Its unfair and not right that I would have to pay for a medical service, having my son medicaid insurance. This is basically a theft.
Product: Debt collection

On XX/XX/2021, I was notified about RentDebt 's collection that was reporting an account that I had no knowledge of until it was reported on my credit report. I called to speak to someone from this agency and sent them my lease and other bills that would verify that I was not at the apartment complex that they are reporting for. The manager stated, " You can have two apartments and light services. '' He did not take my original lease from my complex that I have been in for 5 years, and XXXX  bill as proof. I then disputed the information with XXXX, and I sent them a 609 letter to verify and submit proof of verification and they denied me that information. The attachment is a light bill that is months prior to the date of debt. I There is only one residence on the bill. If there were multiple units attached to this bill, it would show that location of where the debt is trying to collect from.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed serval inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was was impacted by two data breach and sold on the dark web and information is in accurate and they refuse to move it after two years of dispute this 15 U S C 1681 right to privacy, my rights has been violated under the FCRA as a consumer
Product: Credit reporting or other personal consumer reports

My credit is has multiple inaccuracies on account below XXXX XXXX XXXX Please validate and upon findings OF MISTAKES please delete
Product: Checking or savings account

On XX/XX/XXXX I tried to deposit {$4000.00} cash in atm at chase bank XXXX XXXX  in XXXX, MI. The atm gave error said I entered to many item, spit out {$1900.00}. I assumed it counted the {$2100.00} because no receipt came out. My atm card was still in atm never took out. I counted out bills of XXXX {$20.00} 's and made deposit of remaining deposit, still no receipt. I opened app for chase on my phone and it only deposited {$1900.00}. I immediately call the number on atm, walked around Vehicle to see if any thing was on ground. Rep assured me money was still in machine they would find if I put it in machine. I received a deposit of {$2100.00} on XX/XX/XXXX from chase. On XX/XX/XXXX chase took {$2100.00} out of account stating they didn't find any money at all. Leavin account negative XXXX. A deposit of my social security and stimulus came in still leaving account negative. I asked for them to look again and look at the camara cuz I stacked it all at window and my card never left machine so I know it is a visual of what happened. I was the told to contact police and get a lawyer to get a supeona to have chase look at camara. I can't afford a lawyer on on XXXX XXXX. Im stressed and lost. I did obtain a police report.
Product: Credit reporting or other personal consumer reports

This is not my account, Im not legally affiliated or responsible
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 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report ODE 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 XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 records of convictions of crimes which antedates the report by more than seven 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.
Product: Debt collection

the loan is from WOLRLD FINANCE CO, I have no knowing of getting this loan I believe my identity was seized and used to obtain this loan
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration with the errors on my report that are unfairly lowering my scores. These inaccuracies have caused significant setbacks in my ability to access financial opportunities, and I should not be suffering because of incorrect information that does not belong on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ACCOUNTS THAT I HAVE REPORTED AS FRAUD TO BE REMOVED FROM MY CREDIT REPORTS I WOULD LIKE THESE ACCOUNTS REMOVED IMMEDIATLY.
Product: Debt collection

XXXX XXXX  membership was taken out using my SS number. contacted collection agency who instructed me to submit through federal trade commission website. 
a few months ago, my identity information was stolen along with my vehicle.
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX My account on CashApp was signed out and so I signed back in. I was currently at a restaurant and wanted to unlocked my debt card with them. When I signed in, I was notified that my account was suddenly closed. I had just received my deposit from my job the day before on XX/XX/XXXX on Wednesday. I have been getting direct deposits to CashApp for over two years already on the same day. I tried to reach out to Support, they informed me I have to wait 30 days. Once I saw that my account was closed, I transferred my funds left in there over to another bank account I had, they charged me {$35.00} for the transactions fee. This morning I woke up and my account was now set to a negative XXXX  XXXX which was the deposit/check my job deposited over. They bounced the check right back to my job.
Product: Checking or savings account

Capital One has not deposited my payroll check from both of my jobs. Wait times are long, and if you get someone on the phone ( that's if the call isn't disconnected ), no info is available. We rcvd an email last night ( Thurs evening ) regarding the issue when the issues started on Weds. No update has been giving to any of us. It's now Friday after XXXX.
Product: Debt collection

I was called by a number saying that they are trying to collect on debt that I have. Which I have none. XXXX is the number
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed there were XXXX XXXX XXXX on my account not mine. The XXXX XXXX I used over 5 years or more ago was different from what's being reported on my current report. 

I asked the account specialist to remove them because, first they are incorrect. Second, I only had one and my report is showing 2 erroneous XXXX XXXX XXXX. Third, the box is not mine any longer it belongs to someone else. Fourth, the XXXX XXXX is outdated information that should be deleted and I asked her to remove the incorrect and outdated XXXX XXXX . 

She flatly refused and arrogantly said she chose to keep it on because of my past history of having used a XXXX XXXX . 

My past shows I lived lived at other residences over 3 years but they are not my residences currently. What that has to do with reporting correct up to date information and not what someone feel like reporting. Very inappropriate behavior for an employee responding to the public.
Product: Credit reporting or other personal consumer reports

There is inaccurate addresses and employers being reported no my credit report erroneously by XXXX, Transunion and XXXX. These addresses does not belong to me nor do I reside there. This inaccurate information may negatively impact my credit and mis represent my Identity.
Product: Credit reporting or other personal consumer reports

I am writing to you with regards to an erroneous collection account that appears on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to demand full debt validation if a debt collection agency intends to report any debt on my credit profile. It has come to my attention that the collection account listed under your companys name has not been appropriately validated. 

I am hereby formally requesting that XXXX XXXX XXXX and SEQUIUM provide the following documentation, which constitutes full debt validation : XXXX. A copy of the purchase agreement between the original creditor and XXXX XXXX XXXX, clearly indicating the transfer of debt over the account in question. 
XXXX. The original contract bearing my written signature, affirming my agreement to the services provided by the original creditor. 
XXXX. Documentation proving that XXXX XXXX XXXX sent me a disclosure of full debt validation, notifying me of the alleged debt and my rights as a consumer under the FDCPA. 

Please be aware that mere account information and statements will not be accepted as full debt validation. As a consumer, I reserve the right to demand stringent validation measures to protect my creditworthiness and rights. 

Failure to provide the requested documentation within [ state a reasonable timeframe, from the date of this letter will result in further action on my part, including filing a claim against XXXX XXXX XXXX for non-compliance with federal consumer protection laws. 

I trust that XXXX XXXX XXXX and SEQUIUM will promptly address this matter with the seriousness it warrants and take immediate steps to rectify the erroneous listing on my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX 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 XXXX has me at a score around XXXX. That is a huge difference. XXXX 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 XXXX rept but they refused they had me on mute for XXXX 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 XXXX. 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 XXXX more than XXXX times. XXXX 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 XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Mortgage

In XXXX i got a XXXX $ loan from XXXX XXXX and was paying until XXXX. When I asked for the balance it was XXXX more than the original loan and I sent XXXX  a check for XXXX in XXXXand now they are foreclosing not giving me any options to keep my home
Product: Student loan

I am a XXXX in Florida. I have been with the rate reduction program for the past few years, due to my income as a XXXX. Every year I give a financial statement to reenroll back in the program. This year they said I am no longer eligible for that program or any other plan and have demanded I pay the full amount monthly on my loans. That is over half of what I make a paycheck. I have never been late in making a payment with them.
Product: Vehicle loan or lease

I bought this vehicle, and its funny sales people will do anything to get you into a vehicle. I wish I would have researched credit acceptance before I signed the contract. By the time Im done paying this vehicle it will be XXXX The interest is so high
Product: Debt collection

I reached out to Fortiva credit card contacted them about a account that was opened in my name which I never gave permission to or authorized it in any way. I called them filed a dispute and they told me it would be take in care of and removed off my credit report within 90 days. They lied to me and constantly call me threatening to ruin my credit that my life is ruined they constantly do this to me. Date was in XX/XX/2019. Amount for {$1000.00}. 

Also selling my information to thrid party creditors is illegal and a criminal act and I want all my information whipped away that is on my 3 credit reports that are lies from the card companies that placed derogatory remarks. I've contacted the 3 credit bureaus and filed complaints on the mistakes that they placed no response no change.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my COINBASE account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX, XXXX XXXX Balance {$880.00} XXXX, XXXX XXXX Balance {$800.00} US DEPT ED XXXX Balance {$1900.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$1900.00}
Product: Mortgage

When trying to obtain a loan modification after filing bankruptcy XX/2016, Ocwen has failed to comply with the bankruptcy courts to confirm the amount owed on the loan to be able to confirm my repayment plan to the Trustee as well as my numerous attempts to obtain the proper paperwork to have them assist me in a successful loan modification. I have also requested regular monthly statements to be mailed to me and these also have not been successful.
Product: Credit card

I had some financial difficulties in XXXX and had to stop paying this credit card in XX/XX/2017 according to my records. They have continued to show that payments were received until XX/XX/2017. I believe that this delinquent action should have been taken off my credit report two months ago.