23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I RECEIVED A CALL FROM " HOME DEPOT '' ON SEVERAL OCCASIONS AND FINALLY I WAS ABLE TO RETURN THE CALL. WHEN I RETURNED THE CALL THEY TOLD ME I OPENED AN ACCOUNT AND THAT I CHARGED OVER XXXX IN MERCHANDISE THAT IS NOT MINE, THE PERSON THAT I WAS TALKING SAID THESE PURCHASES WERE IN XXXX CALIFORNIA??? I NEVER LIVED OR HAVE BEEN RECENTLY IN XXXX CALIFORNIA. I TOLD HIM THAT AND TOLD HIM THAT WAS NOT ME AND THAT I NEVER OPENED AN ACCOUNT WITH THEM OR AUTHORIZED TO OPEN AN ACCOUNT THIS YEAR OR RECENTLY, BECUSE HE TOLD ME THE ACCOUNT WAS A RECENT OPEN ACCOUNT??? 

PLEASE FIX THIS AND I WOULD LIKE TO PRESS CHARGES TO THE INDIVIDUALS OR PERSONS WHO USE MY INFORMATION TO OPEN THIS ACCOUNT. THIS IS IDENTITY THEFT OR FRAUD. PLEASE LET ME KNOW THE BEST WAY TO PROCEED WITH THIS AS SOON AS POSSIBLE.
Product: Debt collection

I have contacted several times to advise the debt does not belong to me
Product: Credit reporting or other personal consumer reports

15 USC XXXX Permissible purpose of consumer reports1681b. 15 u.s.c. 1681a and 15 USC 1681.

15 USC 1692 K and 15 USC 1640 Civil liability.15 U.S. Code 1681 N ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;. ( B ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trad
e 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability.

Please Delete false information from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account NORDSTROM/TD BANK is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a credit score drop of 17 points because XXXX  is reporting that my student loans balance increased from discover student loans, I immediately called and inquired as to why this happened because I am still a full time student and the loans should be in deferment until I graduate. I was told the issue would be looked into within a 2 week time frame. On XX/XX/XXXX I received an other credit score drop of 30 points for the same reason, I called again to discover student loans and was told my inquiry was not resolved and they would submit an other ticket. Once again they said it would take an other two weeks.
Product: Student loan

The wrong balance have been reported for my student loan, when I left XXXX college I paid money before I walked off the campus to a young man who worked in the office. He was leaving and so I trusted him to receipt that he had got that cash. I continue to do my paperwork, and even talked to XXXX XXXX rep on the phone, who told me what paperwork I needed to turn in while still attending another college. I faxed it in to XXXX XXXX, however they started taking money from me in XXXX, I disputed the amount on my credit report as wrong, XXXX, they continue to take money but reported the same amount on my credit report with no change since XXXX.Each time I went to get a loan, a house the amount would show the same amount from XXXX and it would not show that they had received payment or even now when I have money coming out of my card they said they could not show the amount coming out to increase my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person. I am a living human being. I have rights under USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts below to be removed because : According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Account -XXXX  XXXX XXXX XXXX Charge Off, {$10000.00} XXXX XXXX  XXXX XXXX XXXX XXXX, {$300.00}
Product: Credit reporting or other personal consumer reports

Certainly, here 's the expanded explanation, incorporating the additional information about the court 's response : " I'm filing a complaint because I've been unfairly declined for several lines of credit due to inaccuracies on my credit report. Specifically, my credit report shows a bankruptcy marked as 'dismissed ' without accurately reflecting the reasons for its dismissal. The bankruptcy was actually dismissed because of failure to pay the filing fee and to file necessary information. This inaccurate portrayal of the bankruptcy on my credit report has significantly impacted my ability to access credit. 

Moreover, I received a letter from the court stating that they do not verify information from credit bureaus or any other reporting agency. This means that there's no reliable way for the credit bureaus to verify the data they have furnished, and it's widely known that they purchase data, which is often inaccurate, from sources like XXXX. 

These actions by the credit reporting agencies ( CRAs ), Experian and XXXX, violate the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumers ' credit histories. The inaccuracies on my credit report have led creditors to view me as a higher risk, resulting in declined credit applications. 

As a consumer, I have rights under the FCRA, including the right to dispute inaccurate information in my credit report and the right to receive accurate disclosures from creditors regarding adverse actions taken based on my credit report. 

Therefore, I'm filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to address these violations of the FCRA. In my complaint, I will detail the inaccuracies in my credit report, the adverse actions I've experienced, and the violations of the FCRA by the CRAs. 

I am seeking remedies such as the correction of the inaccurate information on my credit report, compensation for any damages suffered as a result of the inaccuracies, and enforcement actions against the CRAs for their violations of the FCRA. 

By filing this complaint, I am taking steps to protect my rights as a consumer and ensure fair and accurate reporting of my credit history. ''
Product: Debt collection

At first when the National Credit Adjusters were calling, I thought it was a fraud caller trying to get money from me because that had happened before. Even though, I have never given my personal information and the caller threaten me by saying he was going to call the police if I dont answer the questions. I never did answer.So, this is why I have ignored this claim from the National Credit Adjusters. 

It was not until it began to show a debt in XXXX that I began to wonder on who had taken a loan under my name and when and where did this money went into and how can I prove that it was not me. My husband, rest in peace, kept on saying to ignore it because it was fake. So I did. 

After his passing, I looked again at the XXXX account and I noticed that the debt was still there so I decided to take action. 

I have sent a letter to the National Credit Adjusters requesting documentation and proof that I have taken this loan that they have claimed I did. 

I called XXXX again today, XX/XX/year> and they suggested to go to the FTC and upload an identity theft report since I havent applied to this loan. I dont need a loan.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct the inaccurate reporting of late payments on my credit report for the account Account Number : XXXX with XXXX XXXX. 
Despite multiple requests for correction through letters dated XX/XX/2024 and XX/XX/2024, my disputes have been ignored or mishandled. This ongoing issue represents a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1681i, credit reporting agencies must ensure the accuracy of the information reported in consumer files. In my case, this requirement has not been fulfilled, as the same errors regarding late payments have persisted across multiple disputes.

Additionally, under 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments on my account indicates that this requirement was not followed. 
TILA Violations The Truth in Lending Act requires accurate and timely disclosures to consumers. The inaccurate reporting of late payments on my XXXX XXXX account has caused unjustified harm to my credit score and financial standing, violating these obligations. 
Protection Against Non-Payment of Obligations Act ( PAANL ) The Protection Against Non-Payment of Obligations Act ( PAANL ) also reinforces creditors ' responsibility to issue timely billing statements to avoid unfair penalties. The errors in my accounts late payment reporting show a failure to meet this requirement, leading to unjust consequences. 
Pattern of Inaccuracies The discrepancies in late payment reporting across all three credit bureaus show a pattern of inaccurate information. These errors are causing harm to my credit score, despite my previous disputes. The information reported by XXXX, XXXX, and Equifax is not only inconsistent but also incorrect. 
I formally request that these errors be corrected and removed from my credit report immediately. If these issues are not resolved promptly, I will escalate my complaint further, including filing additional complaints with regulatory agencies and pursuing legal action to protect my consumer rights. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello. I completed my first FTC report on XX/XX/23 and submitted it to the credit bureaus as requested. No resolutions have been completed. I began to pull my own credit reports in preparation of obtaining a mortgage to buy my first home. I wanted to make sure there were no inaccuracies. To my surprise, I found several unauthorized and unverifiable inquiries across all XXXX credit bureaus. In accordance with 15 U.S.C. 1681 there should not be any damages on my report and is a defamation of my character and demonstrates that I have requested to apply for credit from companies that I have not. I contacted the creditors directly, the credit bureaus directly and nobody wants to remove them and do the right thing. I created a new FTC report today. This is impacting my ability to provide a home for myself and my children in a timely manner. The resolution desired is to remove all of the inquiries immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First I asked Equifax, XXXX and XXXX to check the information on my report and to delete certain items. 
In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate and multiple Collections reported monthly. This is ground for removal and monetary relief. 

They also violated the law because according to the FCRA the Credit Bureaus never did a proper *investigation* according to the FCRA, The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ; or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they did not do this.

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

In accordance with the Fair Credit Reporting act 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. I never gave XXXX, Equifax or XXXX my written consent or instructions. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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, credit repair services, or other personal consumer reports

While checking my credit on XXXX XXXX  I saw a collection account for the amount of {$1500.00} posted by Receivable Solutions , Inc. on behalf of XXXX XXXX XXXX ( XXXX ) with an open date listed as XX/XX/XXXX. I have not been seen by XXXX this year. I have never received the details of what this debt is for. I disputed it on XX/XX/XXXX with XXXX XXXX, and I was sent a bill. I did not nor have I ever received an invoice or explanation of the debt just a bill showing this vague amount they claim I owe. The last time I was treated at XXXX was in XXXX and again in ( I think ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came to learned of XXXX XXXX  XXXX XXXX account reporting on my credit report some time back, I call the Back inquiring about the account 's and all I could get from the Bank is that they can't find my information in their system and they will investigate it and let me know the outcome in writing. months go by and nothing from the Bank, I would call again and they would be told me the very said thing and I would wait again and still nothing. 
I sent a letter this time on XX/XX/XXXX outlining my issue and demand that they send me proof that the account belongs to me or remove them from my credit report. but yet again I got no response. when I call in XXXX of this year, they give me the same story that there is no information in the system with my personal information and that they will send it to a special team to investigate and they gave me a case number XXXX  XXXX to show that my complaint was logged this time. I was also told that they will contact me within XXXX business days with the findings, but yet again nothing. I send another letter on XX/XX/XXXX requesting the above information and demand and follow-up with a phone call and was told the same thing that they will get back in writing to date, I have heard nothing and the items are still reporting on my credit report. these accounts were open fraudulently and should be treated as such. and I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services or for any other purpose as described. I also did not receive any money, goods, services, or other benefits as a result of the events described above. and I'm willing to work with law enforcement if charges are brought against the person XXXX XXXX XXXX  who committed the fraud but XXXX XXXX XXXX made no attempt to investigate the accounts nor do they made any attempt to rectify the inaccurate reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have a mixed credit file from Equifax. This has been ongoing for years now. They tried to fix it today but now it's 100 % blank.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I reported. 
Accounts : XX/XX/XXXXXXXX ( listed twice with 2 different outcomes ) XX/XX/XXXX XXXX XX/XX/XXXXXXXX Inquiries : XXXX XXXX XX/XX/year>24 ; XXXX XXXX XXXX XX/XX/scrub>/24 ; XX/XX/XXXX XXXX XX/XX/year>24 ; THD/CBNA XX/XX/XXXX24XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of child support under account XXXX XXXX XXXXXXXX. Federal court rulings confirm that delinquent child support, judgments, liens, and fines do not originate from a credit transaction and, therefore, should not appear on consumer credit reports. Additionally, your agency no longer reports child support obligations, making this entry improper and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX & XXXX that your company is currently reporting to XXXX, XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Student loan

Navient  had taken over possession of my student loan. I never received paperwork claiming they had purchased the loan and it was under their management. I got a letter when my loans were due that I owed my first payment. They also had the wrong graduation date from college so the loan collected interest over  three  years when I could have been paying it. They claim it was the responsibility of the borrower to let them know of any incorrect information, which I understand. But, I told them I had no idea that Navient even existed until they sent me the first bill. So, I was n't even aware they had my loan let alone incorrect information. They said all they could do was take the interest accrued and put it in a separate account and I can pay off the interest it accrued over those  three  years while the rest of the loan sat there and accrued more interest on the principal balance. They said it would be around {$6000.00} that I would have to pay first if I did that and the rest of the loan would continue to get higher since it would accruing interest.
Product: Mortgage

Select Portfolio Servicing, Inc. ( SPS ) T is calling us saying that they are ready to send our mortage loan to a lawyer and telling us that they are going to sale our house. We refinance our home back in XX/XX/2005 with a company that closed it doors and transfered our loan to multiple companies in between. We have a current mortage company. Select Portfolio Servicing, Inc. ( SPS ) bougth a loan from XXXX that was paid in full by a company that closed it doors. We have a deed of Trust that show that was returned to us and we transferred to our current mortage company. We have multiple legal documents that show that the mortagage that they are claiming is paid in full. They want a copy of the check of the payoff. The tittle company that we deal with it is closed too and there is not way to get a copy of that check. We been dealing with the previous company for years but it never got resolved. This company is determinated to leave us out on the streest if we don't pay this ghost account.