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

I am once again reach out to yet file another complaint with the CFPB against Equifax because the keep saying that the information on my account is correct, and it isn't. I have been dealing with this since XXXX and they always come back with the same answer which is everything is verified. I find it very funny that they stamp and address on their forms that I have printed off and it's an address that I haven't lived at since XXXX. I have made many attempts to resolve this with Equifax and have even spent money and personal time. Hours upon hours trying to fix these issues. Equifax has been no help at all! I have my credit report frozen and a fraud alert on my credit reports and yet for some reason on my Equifax report it shows that XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX, On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  all ran my credit it and it shows up on my credit report. I have filed a dispute with Equifax, and they replied with the information on my credit report is valid. When in fact it is not valid, and I am a victim of fraud. XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX Automated XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Automated XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Automated XXXXXXXX XXXX XXXX XX/XX/XXXX EQUIFAX Automated XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Automated XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX Automated XXXX Interview System XX/XX/XXXX EQUIFAX AUTO XXXX UP Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System XX/XX/XXXX EQUIFAX INFORMATION XXXX Automated Consumer Interview System All credit inquires on my report were not my doing and yet they still keep them as valid. I have also filed a dispute about XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX and was also told this too was valid!!
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, 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 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: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

. 
Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX Ga used high pressure sales tactics to talk me into a truck I did not want and now Im stuck with a high interest car payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Report Ref # XXXX XX/XX/2020 My insurance company XXXX XXXX sent me a letter that said my license had been suspended or revoked in the past 36 months due to your companies report. My license has not been revoked or suspended in the past 36 months. 
I need this to be looked into on your side and a reinstatement letter of the inaccurate evaluation sent as soon as possible. 
XXXX XXXX Louisiana Drivers License # XXXX They have my last name as XXXX but that is not the name on my license, I told them I have not changed my last name but how YOU pulled up a suspended or revoked in the past 36 months under the name XXXX XXXX is very unusual because that is not the name on my license. Please be advised that this has caused me to have to go to another underwriter for auto insurance that has raised my premium around {$200.00} a month. I will be patiently waiting for the response on this matter. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I do not understand the reason behind it. Please remove these items that are not mine from my credit report. 
Thank You
Product: Credit reporting

There is a XXXX address connected to my credit report. I have never lived in XXXX. The address listed belonged to my ex wife who moved there well after we were divorced. She has also moved from that address. I do n't want any address that I have never lived at or been associated with to appear on my credit report. 
I live at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and have for 50 years. I have never lived or been to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Inquiry for XXXX XXXX XXXX XXXX XXXX XXXX. These were not authorized by me. Please remove. 

I applied for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX continue to report a collection on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid and the agency has contacted the bureaus to remove this from my credit report. Unfortunately, the bureaus have not done this. Please remove this line item. This false reporting is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus as well to fix this however, I have not been successful.
Product: Debt collection

XX/XX/2020 I received an updated credit report from XXXX  where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX  and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.
Product: Credit reporting or other personal consumer reports

Trans unions has reported falsely 2 delinquent pays, 1 stating XXXX days late. The account payment was made on XX/XX/year>, returned NSF on XX/XX/year>. The past due payment was made on XX/XX/year> by credit card and was successful bringing the account current within 26 days. Trans union has falsely reported this as XXXX delinquent. I have screenshots and documentation to provide any proof of this and request that action is taken against Trans Union as they are in violation of the Fair Credit Reporting Act. I can be reached via email at XXXX if any further information is needed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a inquiry from a place called XXXX XXXX which I have no knowledge of. It was placed in XX/XX/2021 without my knowledge
Product: Credit reporting or other personal consumer reports

I was told that my credit was exposed to the data breach
Product: Credit card or prepaid card

On my flight from North Carolina to Minnesota, the flight attendants were soliciting credit card applications for their XXXX mastercard. As a one time opportunity, they were offering XXXX miles and with no annual fee. The fee would be waived. 

I applied since the outrageous annual fee was being waved. I was approved, I got my card and made a couple charges. When I got my first statement, the outragious {$99.00} annual fee was added to my account. I called customer support and they informed me they they will not waive the annual fee.
Product: Credit reporting or other personal consumer reports

I am writing to express serious concerns regarding multiple issues I have encountered with the credit bureau. Upon reviewing my credit report, I have identified several inaccuracies, including false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are significantly impacting my financial security, and I am seeking your assistance in resolving these matters promptly.
Product: Credit reporting or other personal consumer reports

Per attached screenshots, this is in regards to DEPT OF ED/XXXX  as reporting on my credit reports. Please delete this account from my report due to inaccuracy and inconsistencies in reporting because the 120 days past due shows XXXX on XXXX, XXXX on XXXX, XXXX on Equifax. Kindly see screenshots for proof. 

This inaccuracy is keeping a negative account on my report, substantially hurting my credit score and preventing me from receiving much lower lending rates. 

XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), " the statute places the burden of reinvestigation on the consumer reporting agency '' Per 15 U.S. Code 1681s2, " 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. '' Much Obliged, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my credit report and XXXX XXXX XXXX XXXX, my student loans from XXXX ( 2 loans ) dated for XX/XX/XXXX and XXXX XXXX XXXX ( 4 loans ) dated for XX/XX/XXXX, XXXX XXXX ( 2 loans ) dated for XX/XX/XXXX : in which I was not born ; these loans were transferred to XXXX XXXX as the new debt collector for the loans mentioned herein. Since then, Ive started an loan rehabilitation with XXXX XXXX. 

Secondly, Ive disputed the hard inquiries on my credit report on numerous occasions. Around XX/XX/XXXX, 10 hard inquires were removed from my CR and on XX/XX/XXXX there were all placed on there. Ive even submitted police reports that I was a victim of Identity Theft through numerous reports and contacted lenders and Transunion/ XXXX/ XXXX continue to allow for the information to be removed and replaced back on my credit report.
Product: Bank account or service

I recently set up a new checking account with Citi as part of a promotion to earn additional frequent flyer miles ( I already had a credit card ). As part of that process, I set up an " external account '' so I could transfer money between my new account and an existing account with my credit union -- this was to be the source of my initial deposit. I mistakenly thought I had to verify the accounts both ways ( I 'm still not sure whether this was true or not ) -- that is, to have each institution verify the other, which they do by making small debits/credits to the account, and then I 'm expected to verify the amounts. As part of this process, I mistakenly overdrafted my Citi account since it did n't currently have any funds in it -- which is why I was trying to set up this external account in the first place! I was charged {$68.00}, which seems excessive for an overdraft that was less than {$1.00}. I complained via Citi 's chat help, and after first telling me that it was a valid charge, they offered to refund it as a " one time courtesy. '' However, they only refunded {$34.00}. When I chatted a second time the next day, they said that they had only offered to refund " XXXX '' of the overdraft fees -- apparently there were XXXX for {$34.00}. On closer look on my account activity, there were XXXX places that said " overdrawn '' -- however XXXX was a credit ( not a debit ), so that did n't make sense! -- and still only XXXX line that said Overdraft Fee - {$68.00}. They eventually refunded the remaining {$34.00}. However, I believe Citi should be censured for these policies which are clearly predatory and trying to extract money out of customers who do n't have the time or energy to fight them on this. They use misleading language and reporting ( including apparently putting XXXX separate fees as XXXX line item ) and at no point in their help process did anyone offer me an explanation as to why these things are reported this way. I also do n't think that overdraft fees should apply in cases like this, which are clearly part of the initial setup of an account. And customers should n't have to spend several minutes arguing to get back money that was essentially stolen from them. I informed Citi that I would be closing my account as soon as I receive the promotional mileage ; I do n't understand why anyone would trust a bank with such shady and unfair business practices with their hard-earned money.
Product: Credit reporting or other personal consumer reports

You are reporting inaccurate information in my credit report. Please investigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts included in disputes letters attached below :
Product: Debt collection

Attached you will see payments made and you will see the balance owed. All you have to do is simple math and see that the balance owed shown is not actually the balance owed when you add up the remaining payments. You will also see that it's showing on my credit report that none of my payments have been made for the last several months when that is in fact wrong! If the CFPB does not require experian and affirm to fix this then they are culpable and I will include them on my court documentation that will be filed tomorrow.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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 in MONTHS REPORTING LATE 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.

This company 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

After numerous times of asking Experian to verify my XXXX 's account which has been opened since XXXX 2012, Experian failed to verify this information. Instead, on XXXX/XXXX/XXXX, per Report XXXX. XXXX, they DELETED the account completely. After speaking with XXXX XXXX 's, they told me on the telephone they NEVER INSTRUCTED EXPERIAN to delete this account because it 's in good standing. I have written Experian repeatedly telling them they are not investigation this properly, I have provided proof from XXXX XXXX 's and they refuse to make any change to my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian slashed my FICO credit score by XXXX points for no apparent reason. There is no negative item on my report that could be disputed. I have been trying to resolve this issue for last three days. Today ( XX/XX/2022 ) I spoke with Experian Credit Score department and they admit that it was a system error but they refuse to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

As quoted below under federal law 15 USC 1681a 2Ai any reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. A reporting of a late payment is specifically excluded under federal USC 1681a 2Ai and I want all late payments and collections deleted from my credit report immediately. Experian and XXXX are both reporting a 30 day late payment for XXXX XXXX XXXX for XX/XX/2021, this is a FCRA violation under 15 USC 1681a 2Ai as an exclusionary reporting. XXXX and Experian are both reporting a collections account for XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX I respectively that are also in violation of FCRA 15 USC 1681a 2Ai. The law states " reports containing information solely as to transactions or experiences between the consumer and the person making the report is an exclusion in consumer reporting. '' These Credit reporting agencies are violating my Fair Credit Reporting Act Rights with the following : 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I was contacted by XXXX XXXX XXXX in XX/XX/XXXX for an old credit card debt from XX/XX/XXXX. They called me as a courtesy call to take care of the debt before we went to court. I told XXXX of Assured that I was never served with a complaint and he assured me he had a court date and time, but couldn't provide me with that information when I asked. He told me I was being sued for interest from when I had the account to present, plus attorney fees, but we could work something out. I continued to ask for more info, but he couldn't provide it. In XX/XX/XXXX I received a phone call from their process server location service. They contacted my parents, brother and XXXX year old grandmother saying they had legal papers for me. I returned their call and asked them not to contact my family, which XXXX denied that they did. Again he threatened me with a lawsuit and said I could settle for {$300.00} if paid by XX/XX/XXXX. I agreed to {$50.00} per month with a {$300.00} settlement by XX/XX/XXXX. I never received anything in writing, nor did I sign anything from XXXX XXXX or XXXX XXXX XXXX. On XX/XX/XXXX I was contacted by XXXX and told him I had met our agreement, which he denied and said I had to make payments until XX/XX/XXXX and that he " would have fun with me in court '' and that " he wasn't done with me yet '' and " XXXX XXXX, XXXX you can't just stop making payments " and that he would " embarrass me for sure ''. 
Today, XX/XX/XXXX, I received another call from XXXX asking if I was planning on making more payments. I told him I was not making anymore payments as this debt was settled. He told me he would see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021