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

There are several Items reporting inaccurately on my credit report. The following items are reporting inaccurately : Incorrect Address : XXXX XXXX ( Equifax ) Incorrect Name : XXXX XXXX ( XXXX, Equifax, XXXX ) There inaccurate lates reporting on the following accounts. I was never late on the following accounts : XXXX XXXX - Opened XX/XX/XXXX XXXX/XXXX  - Opened XX/XX/XXXX XXXX - Opened XX/XX/XXXX The following accounts are reporting as a result of identity theft : XXXX ( XXXX XXXX XXXX ) - Bal. {$2700.00} Unknown - Opened XX/XX/XXXX - Bal. {$260.00} Unknown - Opened XX/XX/XXXX - Bal. {$190.00} XXXX XXXX  XXXX - Opened XX/XX/XXXX Balance. XXXX
Product: Debt collection

Disputed age of original debt/default being outside statutes. Company updated from debt collection to XXXX XXXX XXXX  and falsely reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this account and it is affecting my credit report, please remove it.
Product: Credit card

My wallet was stolen and used to get a credit card and buy and XXXX plane ticket. 
On XX/XX/2023. 
This was not me and as I have told American Express I have reported it to the police. 

XXXX XXXX has also been notified and has confirmed a fraudulent booking. 

I have been unable to get any help from American Express.
Product: Credit reporting or other personal consumer reports

I received three hard inquiries across the 3 credit bureaus within 3 days. All of which I did not request or approve. I have not done anything recently to warrant any inquiries on my account. 

First inquiry - XX/XX/year> from XXXX XXXX XXXX on my XXXX report. Address listed for the credit union on my report is XXXX XXXX XXXX XXXX MD XXXX Ph : XXXX XXXX I called the bank and they were not able to help me and I was told to contact XXXX. I started a dispute with XXXX but have not heard back yet. 


Second Inquiry - XX/XX/year> from XXXX XXXX on my Transunion report. Address listed for this business is XXXX XXXX XXXX XXXX, Georgia XXXX Ph : XXXX. 
Per Transunion, I sent an e-mail to XXXX XXXX asking them to send a letter to Transunion to ask the inquiry be removed from my account as it was not requested by me. Transunion told me they will not accept a dispute without a letter from the institution the inquiry came from. So far, nothing has happened with this yet. 


Third Inquiry - XX/XX/year> from XXXX XXXX on XXXX Credit report. Address listed for this Credit Union is XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX Ph : ( XXXX ) XXXX XXXX | had never checked mv XXXX credit report before until just now when I noticed the other two inquiries. When trying to access XXXX for the first time, it was determined by myself and the customer service rep I was speaking to that the address of this financial institution was somehow also hooked to my account information as my personal address. I have never lived outside of MD so the TX address caught my eye immediately. This Rep was able to very quickly address the dispute and I believe that one is already resolved.
Product: Checking or savings account

My account was closed while I had a direct deposit going into it on the XXXX of XX/XX/year> the bank has told me they have issued a check for {$1400.00} and another check for {$25.00} in the mail they told me it would take about 10 business days it is now the XXXX of XXXX and I still haven't received my checks I called them back and told them about it and they said they did their part and issuing a check two checks to me and they don't have a tracking number or nothing for me to track where my checks are they basically told me well I just have to wait for the mailman and it's going on two and a half weeks and still no check
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/2021 to open a new checking account I was declined and denied the checking account upon being declined I was given information to where banks pull your information and report from chexsystems A different company that banks use to pull your report after calling that company I downloaded my report and discovered several attempts of somebody using my information to try and get loans this is due to some identity theft issues I am having ive been trying to correct several identity theft issues and fraud attempts under my information that I have been noticing on my credit reports from XXXX XXXX XXXX and Experian as well due to this identity theft I believe this is the reason I was denied to open a checking account with XXXX XXXX because I have no bad making history with anybody I hope that the information I have been providing two different agencies to try and figure out who is using my information can get this problem to stop and correct my credit reports and information so I dont have problems with opening a checking account or applying for credit in the future
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX XXXX of XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to my 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, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX, XXXX, XXXX, and Experian Thank you for sending me your internal records of the debt, however you did not VALIDATE THE DEBT. YOU DID NOT provide me a copy of ANY original documentation ( a consumer contract with my wet-ink signature on it ) or E-Signature stating my IP Address with the proper paper trail as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) I also have provided FACTUAL EVIDENCE ( see screenshots attached ), circled the items and pointed out with arrows multiple inaccuracies reporting from ALL THREE CREDIT BUREAUS including reporting payments on a CLOSED ACCOUNT ( please see attachment ) which is grounds for deletion. How could this happen? are you being prejudice towards XXXX and trying to deny me credit in the future?. 
I am certain you are aware that it is against the law to threaten suit without the intention of doing so. Therefore, be advised that I am very serious about filing a suit against your company. 

I HAVE PROVIDED MY UTILITY BILL FOR ADDRESS VERIFICATION AND ID AND SOCIAL SECURITY # Best Regard, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In reference to an account of XXXX XXXX : XX/XX/XXXX - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- Checkr has reported and given incorrect arrest and court information about me to XXXX. 
I emailed Checkr to correct it yesterday, and have heard nothing. 
Checkr reported that I was involved in a felony assault on XX/XX/XXXX, and had it dismissed. None of that is true since I was not arrested or went to court. It is easy to see if you look up my name in the official XXXX County case search. 
The case number reported was XXXX. And my name is not on that either. 
https : //www.traviscountytx.gov/XXXX I got the background check and was completely surprised that such false information for a felony could be on my record. Please advise me on the next steps, so I can not have this affect any of my employers. 
Thank you.
Product: Debt collection

Hi my name is XXXX XXXX Please help me! 

I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from XXXX XXXX XXXX the original Creditor is XXXX XXXX. I sent XXXX XXXX XXXX an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent XXXX XXXX XXXX. I have listed the Violation in the following Statement below : * I sent XXXX XXXX XXXX an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX debt they say I owe. XXXX never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company.  This transferring of unverifiable debt to another collection agency without validating the debt is a violation * My 2nd issues is if XXXX XXXX XXXX who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt? 

* 3rd issues is that I received a letter from Financial Recovery Services trying to collect on the Same debt XXXX XXXX XXXX XXXX refused to Validate. Financial Recovery Services is also claiming in their letter that they are collecting the debt for XXXX XXXX XXXX, but XXXX XXXX XXXX refused to Validate the Affidavit of dispute of the debt I sent them. 

If XXXX XXXX XXXX can not Validate the debt. How can Financial Recovery Services Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. 

Why, didn't XXXX XXXX XXXX Notify Financial Recovery Services that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But XXXX XXXX and Financial Recovery Services are trying to manipulate the FDCPA. By XXXX XXXX XXXX. transferring the debt to Financial Recovery Services but, having Financial Recovery Services collect the debt for XXXX XXXX XXXX without validating the debt. These are Major FDCPA Violations. 

Please investigate these illegal tactics and violations these 2 collection agencies are involved in. 

Thank you for all your help.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX : {$65000.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXXL Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  XXXX FIN Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX  XXXX Balance : {$65000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$21000.00} XXXX XXXX  XXXX Balance : {$14000.00} XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX TD AUTO FIN Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XX/XX/XXXXXXXX Balance {$740.00} Open Date XX/XX/XXXX XXXX XXXX XX/XX/XXXX Balance {$680.00} Open Date XX/XX/XXXX XXXX XXXXXX/XX/XXXX Balance {$110.00} Open Date XXXX XXXX, XXXX XX/XX/XXXX Balance {$710.00} Open Date XX/XX/XXXX XX/XX/XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was chatting to a motgage broker. when I told him what i did for a living, he told me he could not do a mortgage. he pulled my credit anyway without directly telling me he would do so. I want the inquiry removed. I did not authorize it
Product: Bank account or service

I called Santander Bank to close my account. The representative refused to close my account even though there is currently a XXXX balance. The withdrawal to empty the account was considered " pending ''. The told me she could not put a note on the account to close it when the transaction cleared, nor could she confirm that at the moment I would call in in the next few days that it would be closed. Horrible customer service. They provide no option to close the account via secure message either.
Product: Checking or savings account

On XXXX XXXX 2024, {$1000.00} has been stolen from my Net spend bank and Payroll card account and I was unable to log in my account. I called the bank immediately and the bank said that someone had used my money to purchase {$110.00} from XXXX XXXX and XXXX transactions from XXXX XXXX groceries store {$160.00} {$100.00} {$270.00} and {$120.00} all of these unauthorized transactions were made in XXXX XXXX Florida. I live in XXXX XXXX Maryland.
Product: Payday loan, title loan, personal loan, or advance loan

I bought a travel package through XXXX on XX/XX/XXXX. XXXX 's website had a glitch where it kept reverting my travel date to XXXX. When I thought it was fixed I finished my purchase. However, it was not fixed and the plane tickets and car rental reverted to an XXXXXXXX XXXX  I called XXXX right away and luckily my tickets were refundable. My plane ticket and car rental were refunded within 10 minutes. I called Affirm 15 minutes later and customer service stated the loan was pending and would disappear within 24 hours. Instead, the loan was processed a few days later. I reached out to Affirm many times and sent them the refund confirmation email from XXXX. Affirm is not communicating and the loan is still active. The first due date is XXXX XXXX XXXX. I refuse to pay for something I have a refund for. I filed a XXXX  complaint as well and the company is not responding to the request either. Thanks for any help you can give. I have spent many hours on this and am exasperated by a nonresponsive company.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$7500.00} XXXX XXXX XXXXXXXX {$2300.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX {$880.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX 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

I have sent in disputes to be investigated from all 3 of the credit bureaus transunion, XXXX, and XXXX. Instead of these dispute letters being investigated as per law of the consumer. I am recieving letters back stating that the investigation will not be processed and it don't seems to be me requesting a dispute of letters I had to pay for with my drivers license and utility bill and social security card. I do not have money to waste and I do not use computer like that to do any thing online.
Product: Checking or savings account

Received an email saying I opened an account with Wells Fargo. I never opened an account with them. I tried to call but was on hold and then hung up on.
Product: Credit reporting

I disputed a collection on my Equifax on XXXX XXXX and was given a case number XXXX and then checked my credit score on XXXX XXXX th and my credit score dropped XXXX points yet nothing on my credit report changed actually my XXXX went up XXXX point I would like to find out what happened if you could help with this I would be grateful
Product: Debt collection

I suspect that BHG has made attempts to reach out to employers in the market to inquire about my professionalism which may be damaging my employment opportunities. This needs to stop if they are engaging in such activity. There is no reasonable reliance. I need reasonable accommodations as a result of XXXX. I am working with XXXX on XXXXXXXX XXXX XXXX & a XXXX  account to avoid such problems in the future.
Product: Credit reporting or other personal consumer reports

I have notified the companies of inaccurate reporting on EXPERIAN : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The following account reporting on Experian, XXXX XXXX XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

The following account reporting on XXXX, XXXX XXXX with account # XXXX is reporting a balance of {$2900.00} with a last date of being active on XX/XX/XXXX. 

It is to my understanding and reason to believe that because this debt was charged off, this debt is cancelled and should not reflect the balance that is currently showing on my consumer file. The dates of last activities are also inaccurate. The 15 USC 1681 states that I have the right to accuracy and fairness.
Product: Credit card or prepaid card

On XX/XX/2021 I was arrested in XXXX XXXX jail and I was incarcerated until XX/XX/2021. During that time my XXXX unemployment card way2go card had {$2800.00} on it. Someone I used to rent a room from stole my card info and used it numerous times at XXXX XXXX XXXX and XXXX to pay bills and make orders in their own name and also claim my weeks while I was in jail. When I was released on XX/XX/2021 I discovered that my card was used and I reported it to the way2go card and them filed a claim and also made a police report to the XXXX XXXX XXXX XXXX XXXX. I followed up several times with the way2go fraud department to make sure they received all info I sent in and was told yes and then around XX/XX/XXXX XXXX was told it was denied due to them not getting the police report and proof of incarceration papers I sent and to resubmit to possibly reopen case and then was told that was also denied. They made the mistake by not giving me the info that they didn't receive my police report and proof of incarceration papers when I was told they did so the investigation was missing important documents made to do a proper investigation I lost {$2800.00} and my weeks were claimed the proof was I was in jail and the person paid personal bills with the card
Product: Consumer Loan

The car was totaled XX/XX/2016. XXXX made a payment round about XXXX. Gap insurance mad another payment in XXXX for XXXX. I had the car for about 13 months the payment was XXXX a month the loan was for 5 years. They have received XXXX for this loan. They are still saying I owe XXXX for fees and late charges that should not have occurred once the insurance company paid on the vehicle. This is excessive and overpricing. It 's also reporting to the credit bureaus that I owe XXXX but they are telling me I have to pay XXXX to pay it off.