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

My credit information was used in a data breach from my employer XXXX XXXX XXXX XXXX XXXX, XXXX, NC ( XXXX XXXX XXXX  ), and XXXX XXXX breach. According to FCRA laws from the data breach I am able to remove negative items associated to my credit report from the data breach. Some of the inaccuracies are credit inquiries, late payments, collection accounts, and all negative items impacting my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report I have discovered some instances of late payments on accounts for which I have always maintained timely payments. Consumer reporting agencies play a consumer role in accurately reporting consumer information, It is imperative that this information be reported with the utmost accuracy I have never missed a payment on the following accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 pursant to 15 Usc1681 ( b ) Accuracy of Report Whenever a consumer report agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual who the report relates,,,,,,,
Product: Money transfer, virtual currency, or money service

I have tried to transfer money from my card to my account many times but I keep getting this message cash credit client adjustment and they wont sent my money where I want it and Im tired of this for more than 2 weeks now.
Product: Debt collection

Portfolio recovery association is reporting damaging information to my credit report. I ask the business to provide me with original contract with my signature showing that I owe that debt which the failed to do. This is also a collection account that is showing a past due amount which is against the FCRA law. I ask for this account to be remove from my credit report which they have failed to do. It is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out my information for a free credit score from experian.com and was denied my free credit score unless I paid a fee. There is no fee mentioned before I put my information to get my free credit score.
Product: Debt collection

XXXX XXXXXXXX have compromised my data which is my bank account my XXXX  maiden name and my social security with a compromised email account that have pulled me a debt spiral of identity theft spree since two and half years i was successfully able to get one of the original creditors to investigate and send me correctional 1099 for debt cancellation of the highest amount amongst three debt account caused by identity theft in past two and half years which is also attached for further documentation i am buying a home and i have to get this cleared its been way too long for credit reporting to address it kindly remove it asap and take action with this report
Product: Debt collection

Please issue a formal statement for Balance Charged Off or Owed Customer XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX only reporting me 30 days late three times. There was definitely an error on their part. I was never three times 30 days late.
Product: Payday loan

My identity was stolen and a loan was open using my ID and other information. I have mentioned this to Dollar loan center as well as provided legal documents. This account has been reporting for 6 and half years and should be deleted. Also the account is showing closed with no closed date populated on my credit. It is reporting as a collection item with {$920.00} balance. This is preventing me from getting a home loan and should be removed.
Product: Debt collection

I 'm a victim of identity theft and someone opened up account in my name that im not responds for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account ( s ) below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # 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 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 consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The consumer reporting agency violated my federal rights by running a credit check on me multiple times from XX/XX/XXXX- XX/XX/XXXX without my permission when the vehicle was first leased in XXXX which should have been the only time the consumer reporting agency ran my credit, no reason for the consumer reporting agency to run my credit 4 times a year after buying the car and without my permission. 

The consumer reporting agency also violated ( Cal. Bus. & Prof. Code 7507.9 ) by not giving me notice for my personal property inventory within 96 hours of repossession.
Product: Debt collection

After months of dealing with issues in working towards obtaining a short sale approval letter we finally received and deadline to close is XX/XX/18. However, we can not close because XXXX XXXX XXXX has a judgment against the property for the wrong person, they confirmed it was not my social security number. 
We had our realtor and daughter contact MCM for proper release on XX/XX/XXXX and they confirmed it was mailed on XX/XX/XXXX, yet we did never receive. We called again on XXXX and offered to pay for the expedited service in additional to a fax or email of document to closing attorney for title insurance approval and closing by deadline -- MCM said they could not. Now i'm faced with possible foreclosure due to short sale deadline and MCM will not work with us in providing quicker service. Their best is to wait another 7-10 days for regular mail. Supervisor XXXX confirmed there is no escalation process and manager above him will not be able to help as well. When asked to speak to his manager, conveniently he was unavailable and no direct # to call back. 
Furthermore, their website for service and complaints have been down for maintenance, it re-routes back to making payments only. Not as friendly as website portrays to be.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Transunion has been reporting inaccurate and incomplete credit information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. I have previously disputed this item with you Reference number : XXXX XXXX XXXX Bankruptcy- Filed date XX/XX/2022 and in response TransUnion verified the item as accurate, stating that they have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter, therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately.

Attached is the letter from the court. the COURT does not verify with THIRD PARTY AGENCIES or CREDIT BUREAUS.
Product: Consumer Loan

I was issued a XXXX credit card that was serviced by CapitalOne. On XXXX XXXX, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the XXXX payment. Also, I never received a demand letter for the alleged outstanding balance. I could have paid it and wanted to pay the balance that I owed them. I did not include that in my bankruptcy filing. I stipulate that CapitalOne has the right to rescind credit extended to a customer. However, it does not have the right to refuse payment and then take action to collect the alleged balance owed. Also, bankruptcy law places an 30 day stay on any collection activity. The bankruptcy was filed on XXXX XXXX, 2016.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX Payments are reported as late on Transunion, XXXX, And XXXX, although a double payment was made in XXXX to XXXXXXXX XXXX  XXXX number XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts have been charged off and closed and in the balance section of my credit report should be {$0.00}. This is causing the balance that I owe to my creditors to be incorrect. Which is causing my debt to income ratio to reflect incorrectly as well. 

1st account-Firm/ Ident code- XXXX  XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$3900.00} 2nd account-Firm/Ident code-XXXX   XXXX XXXX XXXX/Account Number-XXXX Balance amount showing {$970.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Compass credit cards counts that should show paid to XXXX one of them is closed the other is still open.
Product: Mortgage

Wells Fargo Home Mortgage I ascertained a copy of my credit report from XXXX   and I have 62 / Thirty Day Late Payments and they've even reported me late in XXXX even when I've made the XXXX 's Monthly payment back on the XX/XX/XXXX., I have moved from my old home while utilizing this address as a rental until this date., I informed Wells Fargo of My new address back In XX/XX/XXXX they have neither sent me any correspondence related to my account., Since said time I have yet to receive any type of communicative late notice from Wells Fargo until XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint due to the fact that I have made several attempts to get this error fixed on my credit report. I started disputing this particular account on XX/XX/21. Following that letter, I also sent another letter on XX/XX/21, XX/XX/21, XX/XX/21, XXXX XX/XX/21. I have been requesting that this erroneous information is removed from my account due to the fact that the account is stating that it is open and it is a collection account which is factually incorrect. A collection by default is already a closed account and it should not be reporting this way. I have the right to a complete and accurate credit report and it is clear that the way that this account is reporting is a direct violation of the FCRA. At this point I feel like I am being ignored. This error is highly detrimental to my credit score.
Product: Money transfer, virtual currency, or money service

since XX/XX/XXXX, XXXX i have been unable to get my funds out of my trading wallet on blockchain. I presently have {$2300.00} on it and they wont let me get a dollar out. each time i try to get my money they say i failed to verify my trading wallet ... and if i want try to verify it they wont let me verify the account. Blockchain just detained my money and wont let me get it out and leave. i already open several tickets with the support email ... support@blockchain.com. but they never got back to me for 3years now!! they wont let me verify my account and they wont let me get my money out.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX, XXXX  XXXX 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 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 or 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: Credit reporting or other personal consumer reports

I have several addresses on my account that I never lived at, and the result of that I have credit cards open in my name that I did not open. I have late fees on a close account. Thats the affects my credit to this day.
Product: Credit reporting or other personal consumer reports

Approximately late XXXX XXXX, I have been working with XXXXXXXX XXXX to obtain a Mortgage Loan. My Lender ran my credit report, initially, I was told there were two files under my name, and I would need to send a letter to them to verify my name, and address and provide a copy of my Social Security Card. I was told there was a fraudulent alert on my credit file. I was told once I submitted these documents, then my file would be updated. I provided Equifax with copies of my documents, I contacted them to verify that my credit file has been updated. My lender has since ran my credit report a couple of times to which it is still showing fraudulent. I contacted Equifax today, I spoke to XXXX to verify my address and to find out why my credit report is still showing fraudulent. I was assured by XXXX my credit file has been updated, I was told there are no freezes, or fraud alerts, and my current address is what they have on file. My lender ran my credit again, which it is still showing fraudulent. Because of this, it is affecting me from proceeding further in the mortgage process and is damaging my credit score, which I have worked very hard to improve.
Product: Credit reporting or other personal consumer reports

Continue to Report inaccurate and misleading information on my consumer report. This information continues to violate the FCRA and FDCPA, None of this information has been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent collection on my account. I asked them to remove it three times already and the last time I asked was XX/XX/2021. There response was it falls under the fair credit reporting act. I have the original document from the creditor I obtain from a lawyer and it has different address, payment amount, name and phone number then whats on my credit report. I submitted new documents and they used a report from earlier in the month to justify the new document I provided.
Product: Credit reporting or other personal consumer reports

I noticed fraudulent information on my Experian Credit Report from my identity fraud service I subscribe to. When I called to dispute the account, I also had addresses connected to my account that do not belong to me as well as names that are not legally mine. 
I spoke with XXXX at Experian, and he informed me that the confirmation to my fraud dispute was being sent to my email on file. I was not aware that I had an online account ; therefore, I went to the website www.experian.com and was unable to log in. 
The phone number associated with the online account is not my phone number, and I can not be verified. I spoke with an associate again to try to gain access to the online account, yet I was unable to receive any assistance in removing the phone number nor gaining access to the online account due to not verifying my identity, and I fully explained that due to my last credit report that I ordered previously in XX/XX/year> report number XXXX states my only phone number is XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX XXXX  is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.
Product: Credit card

I sent a letter via US mail on or about XX/XX/ to the following mailing address : XXXX XXXX Customer Service XXXX XXXX XXXX XXXX XXXX, TX XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/ in the amount of {$100.00} XXXX submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America is reporting my a late in paying for XX/XX/2017 for Account number XXXX, when my bank account shows payments was made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). They have refused to correct the information. At the time, we made payments to XXXX, who originally had the loan prior to transferring it to Bank of America. We were not notified properly of the transfer, and XXXX did not report the payments to BoA.
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning and have no idea why they're there. I check my report regularly, and this time, discrepancies appeared out of the blue. I tried refreshing the page, hoping it was just a glitch, but the inquiries remained. I need this issue resolved immediately, and I expect the documents I've provided to be reviewed thoroughly so I don't have to stress over this again.
Product: Debt collection

My bankruptcy was XXXX in XX/XX/2018. The collection company ( Consumer Portfolio Services , Inc. ) has been contacting and harassing my employment via contact XXXX and my personal phone XXXX about account XXXX. Please help!!!!
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following itemsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear Sir/Madam, I am writing to formally file a complaint against TRUIST bank regarding an account freeze that has significantly impacted my financial well-being. On XX/XX/year>, I deposited XXXX legal checks from my employer into my account via the bank 's online deposit system. A few days later, I noticed that my account had been frozen, preventing me from accessing or transferring any funds. 

After contacting the bank, I was asked to provide additional documentation, including paystubs and an authorization letter, which I promptly submitted. Despite complying with their request, they blocked and closed my account, and I have been unable to access my funds for over 15 days. 

I have been in contact with the banks customer service daily, but I have yet to receive a clear explanation or a timeline for when this issue will be resolved. This situation has caused me undue stress and financial hardship, as I am unable to pay my rent, which is due soon, and I risk incurring late fees and penalties. 

Given the urgency of the situation, I kindly request your assistance in resolving this matter as quickly as possible. The banks lack of responsiveness and the uncertainty surrounding the resolution of my case have left me in a precarious financial position. I believe this to be an unfair and unreasonable practice. 

Please let me know which documents you will need for this matter. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
Product: Credit reporting or other personal consumer reports

I am resubmitting a formal complaint to ; GM FINANCIAL regarding the inaccuracies in my credit file that are not verifiably compliant, valid, or fully documented. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX  XXXX, TX XXXX. My date of birth is XX/XX/year>, and the related FTC report number is XXXX. I have identified potential duplicative and questionable items on my credit record that have not been authorized by me. As a consumer, I have the right to request the immediate deletion of these entries, in accordance with my federal and state consumer rights. I am filing this consumer complaint to ensure that all items reported in my credit file comply with the Fair Credit Reporting Act ( FCRA ). This includes a demand for verification of the disputed data.

If these inaccuracies are not corrected, I will refile my complaint to ensure adherence to FCRA guidelines, as outlined in Title 1, Section 151.