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

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. 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 719XXXX has me at a score around 590. 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 XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 21 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was never late and on time paid in full and after they closed the account and that was what was reported to the bureaus which dinged my credit. I asked for a letter to say it was in good standing and was pd off and to let the bureaus know which they said they dont do that they just state the account is closed. Which does not state that when you open an account with them. I wanted reported paid in full and in good standing which it does not stated that with them all making it seem like they closed the account because I wasnt making payments.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I noticed inquiries on my credit report that I did not authorize nor have any knowledge of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called xx multiple times in regards to this vehicle on my consumer report. I XXXX XXXX, natural person and consumer has stated that myXXXX  is paid for free and clear. Xx company continues to run my credit score into the ground because inaccurate information. XX credit union refuses to release my title although they do not have any verifiable documentation to prove they actually loan me money. This issue has caused a big hardship on my family because we can not get a home due this destroying my credit. Xx has no right to place this information on my consumer reports when I have informed them that it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to address the fraudulent accounts that the Credit Bureaus have inaccurately reported on my credit file. In my efforts to rectify this situation, I have researched the necessary steps to remove these false accounts from my credit report. It came to my attention that I must contact the Federal Trade Commission ( FTC ) or visit https : //www.ftc.gov to file a report. Additionally, as per the FCRA Section 605b, Credit Reporting Agencies are mandated to eliminate and block any accounts that are listed in an identity theft report I have attached the relevant documents to facilitate the process of rectifying this erroneous information that has been posted on my credit report. Enclosed, you will find the list of accounts that do not belong to me or were opened without my consent : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. According to FCRA Section 605B ( a ), Credit Reporting Agencies are required to promptly block any information in the consumer 's file that the consumer identifies as stemming from fraudulent activity, within four business days of receipt of such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never applied for credit with XXXX XXXX I was in middle school in 2016. I would never qualify for credit. I do not have any or applied for any credit at my age. Again, I have never entered into any formal agreement with this bank. I demand this information be deleted immediately. I am also notifying the Colorado Attorney General 's office. This matter is causing me tremendous emotional grief and distress. 

Thank you for assisting me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

I had an epsiode at work. Hence work being the XXXX called the ambulance for me to go to the hospital. Workmens comp should have been filled on this and never was. Workmens comp is responsible for the bull not myself and its being billed to me. THis was never submitted to workmans comp. I have requested many time that this be submitted to workmans comp and I get no result.
Product: Debt collection

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Mortgage

During our country recession XX/XX/XXXX-XX/XX/XXXX I loss a substantial amount of income due to ex spouse losing employment with XXXX XXXX. I was struggling to pay mortgage to Wells Fargo. I never fill behind two full months. I was never more than 45 days behind in my mortgage payments. I would send my payments in the form of money order or cashier check so that it was like cash they would receive. Long story short Wells Fargo held my payments and pushed foreclosure proceedings fast ahead. Afraid of losing my home I filed bankruptcy. At this point Wells Fargo sent back all my payments that totaled around 1500-1800 dollars. In the meantime this caused me to lose XXXX in equity not to mention attorney fees when I never came close to missing three or more mortgage payments. I often think was this fair and lawful? I wonder how many thousands of other mortgages were falsely foreclosed on due to Wells Fargo using this unfair practice of holding up payments or not applying payments towards the mortgage. I also recall how slow Wells Fargo was in assisting me with Harp to the point where my payments appeared to fall further behind and they never did help. I contacted another organization locally by the name of XXXX XXXX XXXX XXXX by way of my attorney and thats who helped me.
Product: Debt collection

1. Delete the entry from XXXX XXXXXXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 2. Delete the entry from XXXX  XXXX XXXX, ACCT # XXXX, which is reported as " charged off. '' 3. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 4. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 5. Delete the entry from XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 6. Delete the entry from XXXX XXXX XXXX, ACCT # XXXX, which is reported as " in collections. '' 7. Delete the entry from XXXX, ACCT # XXXX, which is reported as " charged off. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report. Thank you. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On two separate occasions, the first being XX/XX/XXXX, Chase gave a total of over {$2700.00} to someone in the drive-thru lane with an expired license of mine and a card that had been reported stolen. The teller gave the thief my account number, which they did not already have. We called to inquire about how this was possible when I reported my card stolen. I was told that I needed to file a claim, I did not need a police report, and a check would be issued to me in seven to 10 days. This is 6 months of back and forth, so I will provide the biggest details. When i called back to check on the status i was told that I needed to provide a police report before anything would be done on Chase 's side. I faxed the document as directed and called back in seven  XXXX days to check. I was told nothing was received and I should go into the branch to have them fax it for me. So, I show up to their branch I asked them to fax it for me they do I receive a receipt that says it has been faxed, I call chase in seven to 10 business days and I'm told again that nothing has been received. In the interim I have been told that things have been received they haven't been received I made a police report I don't need a police report on and on and on for essentially 6 months. Most recently, we submitted our police report for a third time as somebody at Chase was able to put together that the branches and these clients have been given the wrong fax number for months. So, we got it faxed with the correct number. Finally, we were told that it has been received and it is under review, and it will be 7 to 10 business days. So I called back in seven to 10 business days, and I was told that a check had been made and sent out and should be there in seven to 10 business days. Of course, it doesn't arrive so again I call ... For weeks, we go back and forth, and at this point, either my husband or I call every day. As of yesterday is the last time that i will be contacting chase as I will be acquiring a lawyer to file suit against them. I was told that our check was issued on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( conveniently, I was told this on XX/XX/XXXX when I called back and was given a 3rd and different date than I've been given before ). Each time I call I talk to 3-10 different chase representatives, get passed around, and the only thing anyone will ever tell me is call back 7-10 days. 

Oh, in addition, Chase closed our checking account WITHOUT authorization for us which only further complicated any information they could give us about our account and status of refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/18, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$1200.00} and XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, Equifax, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

XXXX  - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

Equifax - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Product: Checking or savings account

HAD A LOAN FROM XXXX XXXX XXXX, IN XXXX FELL INTO HARD TIMES EXPLAINED TO THE MERCHANT AND THEY SAID OK AND STARTED A PAYMENT PLAN WHICH 1ST PAYMENT WAS DUE ON XX/XX/XXXX MADE THAT PAYMENT ANOTHER PAYMENT ON XX/XX/XXXX AND SO ON SO ON UNTIL ACCOUNT PAID OFF WELL END OF XXXX MERCHANT CHARGED ACCOUNT DIFFERENT AMOUNT REMIND YOU WE MADE PAYMENTS BY OTHER MEANS WHICH MERCHAT PRODUCED TO THE BANK ARVEST BANK COPIES OF THE RECEIPTS OF FORM OF SEPERATE PAYMENT NOT WITH CHECKING ACCOUNT OR DEBIT ACCOUNT THAT THE LOAN WAS MADE WITH. WHEN MERCHANT ACCEPTED OTHER FORMS OF PAYMENT PER OUR AGREEMENT IT VOIDED OUR ORIGINAL CONTRACT FOR THEM TO TAKE FROM MY ACCOUNT I INFORMED THEM NOT TO TAKE IT FROM MY ACCOUNT AND THEY DID ANYWAY AT THE END OF XXXX.MERCHANT EVEN LEFT VM ABOUT PROMISE TO PAY WHICH I WENT TO BANK SO ARVEST CAN HER THE COMPANY SAYING THAT.SPOKE WITH MANAGER AT MERCHANT AND SHE STD SHE WAS NOT AT WORK THE DAY THEY RAN THRU MY ACCOUNT AND CANT REVERSE IT STATED THAT IT WENT THRU AND ITS NOTHING THEY CAN DO ABOUT IT. DISPUTED IT WITH ARVEST AND THEY DENIED IT AND ITS WRONG BECAUSE I REVOKED AUTH FROM USE OF MY CHECKING ACCOUNT AND SETUP PAY ARRANGEMENTS AND MERCHANT WAS ACCEPTING DIFFERENT FORMS OF PAYMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Product: Credit card

Hello- I have a credit card for which I am a co-applicant and financially responsible for the account. Capital One, despite multiple attempts for me to setup access to this account online has refused to allow me to do so. They indicated that only my husband, who is also a co-applicant can access the account online. So in order for me to manage and access the account for which I am responsible, they are suggesting I need to log into another persons bank account through Capital One vs. giving me direct access online to the account for which I am financially responsible. When I asked to cancel my card, they indicated I was not authorized to do so, only my husband was authorized to close the account. So they are denying me access to manage the card or to close the account, despite being financially responsible for any charges made to the credit card.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collection/Charge Off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$28000.00} Late Payment XXXX XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX XXXX - Tied to an open account ( Auto Loan )
Product: Credit reporting or other personal consumer reports

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

I have a credit freeze for Equifax I put on a long time ago. 
I wish to unfreeze my information to get a loan for a house we are purchasing. 
Since freezing, my phone number and address may have changed I tried using the web site to unfreeze my account and, after putting in all my information, I get a reply " Sorry we can't help you ''. ... no more information to give me a clue as to what the issue is. I tried this several times even using old phone numbers and addresses. 
The page gives me a phone number to call. 
I've called the number and have been on hold for DAYS! ( no  exaggeration ). 
I did get a real person twice and, after giving them my correct information they said they couldn't help me. I asked why and they said what I told them did't match their records. I asked for a manager and they said they couldn't help me. 

Twice I've sent a snail mail to the address indicated on their web site. I included all the information they asked for. 
I received one letter with a code for their web site and it did not work. 
It's been several weeks since sending the last letter and I haven't received any acknowledgement. 

If I can't unfreeze my account I can't get my loan. Equifax has denied me getting my home. 
I am beyond frustration regarding this. I really can't believe someone's life can be XXXX  up so much just because of the incompetence of a company that holds their personal information. I appreciate and acknowledge the security issues but this is insane.