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

XXXXm reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : XXXX XXXX XXXX - {$0.00} Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Debt collection

XXXX XXXX was my cable provider at one point. The service was not disconnected at my request and I never received the final bill at my forwarding address. I contacted the company several times by phone to inquire about the final statement. Each time I was given the round around and transferred between representatives. I never received a final bill. I was contacted by a debt collection agency and was furious. I immediately contacted XXXX XXXX and this time was connected to a supervisor and proceeded with to pay the outstanding balance. I was informed the debt collection agency would not contact me again or make any credit report listings. That information was false and I now have a negative credit listing from Diversified Consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do the report bankruptcy to the credit bureaus and I got a letter stating : They DO NOT REPORT any bankruptcies to anybody So If this the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate?? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interview 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C. 1681 section 602 A. States I have the rights to privacy. According to : 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. According to : 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. 
ONLY XXXX CREDIT BUREAU HAS REPORTED THIS PUBLIC RECORD ON MY REPORT.
Product: Mortgage

There is ZERO way to make a mortgage payment due to a complete disaster of their website and not accepting phone payments as well.. You go to XXXX to login ... when trying to log in..it asked for a random..not what you selected security question..trying to register your device every single time. THEN if you are lucky enough to log in..you click another button to go to another website called XXXX XXXX. Then if you are lucky..you may or may not be given the option to make a payment. This is a complete disaster. I email them..their excuse..they are having website difficulties..but only the last few days they say. This has gone on from day one.XXXX/XX/XX/2019. they also CHARGE YOU TO MAKE A PAYMENT TO THEM. Who does that? 

Anyway they will not allow me to make my XXXX mortgage payment. I called number and it said they are not accepting payments on my account. I have tried and tried. i cant speak to a person..it 's all automated. MANY others with exact same problems. They also refuse to mail out any paper statements. Many others asking as well as I ... they won't send out. All of this is illegal I know. So why are they allowed to continue? PLEASE do something about this company. I have owned my home for 15 yrs and this is the very first company that's ever been like this and they are VERY bad. Why are these companies changing over every 3-5 yrs too? This is a disaster. I have read many horrifying reports, articles and complaints on this company and yet they are still in business. I just want to make a payment in which they are not allowing me to do for no reason at all. I am being sabotaged.
Product: Credit reporting or other personal consumer reports

I have an alleged late payment or missing payment on my Transunion credit report, which is not correct. I have not had any late payments, and the report does not even show what the alleged account is. This is incorrect and even though I have tried to get it fixed, I am ignored and this report continues on my credit
Product: Debt collection

I learned that XXXX XXXX/XXXX XXXX XXXX had reported a {$200.00} Charge Off them on my credit reports in XXXX. 

I disputed with the credit bureaus in XXXX and XXXX XXXX  verified with the credit bureaus in XXXX. I then wrote XXXX XXXX  requesting information in regards to this debt. 

They did not respond to my XXXX  to them. 

I received a notice from a collection agency in XXXX and so I wrote them a letter requesting validation of the debt. The collection agency then sent me a letter stating that this account would be sent back to XXXX XXXX. 

I have spent hours trying to get any type of clue what this account is for with XXXX XXXX  and I have yet to receive anything about this however it is still being reported to my credit bureaus. I asked the credit bureaus to give me the method of verification and they gave me the number to XXXX XXXX  and they are no help over the phone or in writing. I am at my whits end with this company and its unlawful reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone else tried to open XXXX credit cards so far and they are denied due to my XXXX XXXX. I've reached out to banks and credit companies The banks are XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX American express XXXX XXXX XXXX XXXX
Product: Checking or savings account

Chase Bank did not want to remove fraudulent charges on my account XXXX as follows : Charge on XX/XX/2019 for {$120.00} Charge on XX/XX/2019 for {$190.00}.
Product: Debt collection

I have requested on two separate occasions that this company verify and validate this account with proof of the debt. Specifically I have requested to see the original contract with my signature and all of the payments and purchases related to this account so that I can see where this total amount is coming from. I never had an account with this company and after explaining this in writing to this company twice, they have still refused to send any proof that I am requesting and they also have not made any changes to my credit report in regards to this inaccurate account on my credit report. Their failure to provide the information I have requested violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. I have the right to a fair credit report that reflects only accurate accounts under the fair credit reporting act. This company has been given several chances to prove the accuracy of this account but they have failed to provide any proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to disregard my requests and also disputes. I called and spoke with several agents until i got to the fruad department and she said her name was XXXX and that was it. I asked for her employee number or ID but she declined but then spoke about that they will not put in another dispute or remove none of the XXXX XXXX Accounts that are reporting on my credit file as charge offs and sold to another debt collector. When i spoke about my consumer right and they information what is reporting inaccurate she then spoke and still said that whatever i disputed and came back verified that is accurate an what the creditors said but im like thats hearsay and I sent document asking for proof of verifation methods but they ignored my letters but say my account or verified
Product: Money transfer, virtual currency, or money service

I sent {$570.00} to my Account in XXXX on XXXX XX/XX/2020 by Remitly. Its not deposited to my account. They dont have any customer service. Customer chat, phone and Email is unavailable. So I cant get any help from Remitly. Transfer XXXX XXXX. Also lots of people complain same problem with Remitly in reviews. Hopefully I will get help from consumer finance. Please take a action about this matter. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

This listed complaint ( XXXX ) was just closed and I have attached the Feedback. In the listed complaint I list out four ( 4 ) previous complaints previously filed on the same matter that Equifax refuse to address and for some reason they send non relevant emails that are suppose to contain a solution, but never contain anything relevant of worthwhile. 

The 5 total complaints are asking Equifax to allow us to download credit reports from XXXX XXXX XXXX, but when trying to download our reports using XXXX the process is blocked at Equifax. Where we are then told that a report can not be acquired or accessed from that portal. WE ( both my wife and I ) would instead need to mail in various pieces of personal data and they will then provide to report by mail. The question is why is the process for both my wife and I so different for the millions of other consumers who are only trying to gain the most accurate credit data that the creditors are allowed to see. We already know and it is well known at the CFPB and by others that there are different reporting in place at Equifax concerning consumer credit reporting. We have also asked in those complaints to be able to use the PAID Equifax XXXX accounts, which we are also restricted from using. So when asking WHY these restrictions are in place that prevent us from seeing what the lenders and banks see, they refuse to answer those questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update my Current personal info XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX XXXX see attachment thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

WFHM - account name XXXX account number Shows was 30 days late. 
All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected. 
XXXX XXXX account name XXXX account number All payment made on time and it was the employee 's fault that misapplied payment for the 30 day late. The issue has yet to be corrected.
Product: Credit reporting or other personal consumer reports

These inaccurate items are currently part of pending litigation due to reporting errors on my credit report. I have been dealing with these errors for months, and the process has been nothing short of exhausting. My financial stability and credit standing are incredibly important to me, yet these inaccuracies have severely impacted my opportunities and well-being. Despite my repeated efforts to resolve this, my concerns have been ignored, further compounding the damage.
Product: Debt collection

Dispute with XXXX XXXX and XXXX credit bureaus
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed that i had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

Transunion your in violation of Fair Credit Reporting failing to have reasonable a procedures to assure the information on my credit report is correct XXXX XXXX XXXX XXXX is not license in my State of Michigan to do business. XXXX  XXXX XXXX XXXX has no company name listed they are reporting their information from. I do not owe any rental company {$640.00} dated XX/XX/year> and I do not currently owe {$640.00}. I do not owe any company {$640.00} nor any money XXXX XXXX XXXXXXXX XXXX is reporting. Transunion you placed this account in the bad account status and lowered my account XXXX points. 
I have a fraud alert on my account and freeze at no time did you notify me about this account. I am requesting requesting {$20000.00} from Transunion from not doing their duty to investigate this company. Send me XXXX XXXX XXXX XXXX contract they gave you and all the other information furnishers supply to open this account including payment amount they gave Transunion. Remove this account off my credit reports and give me XXXX XXXX XXXX back. Transunion you have damaged my credit report and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : EXPERIAN : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$800.00} XXXX : XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$880.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX acceptance- {$8800.00}. XXXX XXXX {$570.00}. Dapartment of commerce- {$1100.00}. AR resource incXXXX  {$780.00} and hard inquiries i tryed contacting them no response.
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 Account number XXXX, has violated my rights. 
XXXX XXXX Account number XXXX, has violated my rights. 
XXXX, XXXX. Account number XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX  Account number XXXX has violated my rights. 
XXXX  XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX - XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number XXXX has violated my rights. 
XXXX XXXX Account number 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, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX {$220.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$300.00} XXXX  XXXX  XXXX {$1000.00} XXXX  XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$270.00} XXXX  XXXX   XXXX XXXX {$1000.00} XXXX  XXXX XXXX   XXXX {$67.00} COLLECTIONS XXXX {$530.00} COLLECTIONS XXXX {$500.00} COLLECTIONS XXXX {$230.00} COLLECTIONS XXXX {$770.00} COLLECTIONS XXXX {$1100.00} MEDICAL DEBT XXXX {$1000.00}
Product: Student loan

The school that was attended ended up being fradulant. I requested information on how to resolve this matter and received nothing. This loan is affecting my credit score and I need help
Product: Mortgage

XX/XX/2018 received the annual Escrow Account Disclosure Statement. 

The information provided is deceptive and should not be provided to a customer in this means. Company has contacted me twice and all they say is they are required top provide this. 

At the top of the letter denotes I'm short on my escrow by {$890.00}. This about gave me a heart attack. At the bottom of the letter it denotes my payment is going down XXXX XXXX. How is that possible. This letter is deceptive and the should fix this so that the information is correct. 

XXXX XXXX contacted me on XX/XX/18 via email. Didn't resolve the issue. 
Another person contacted me XX/XX/18 via phone. Provide legalize but didn't resolve the issue that I'm short a log of money and your payment is going down. I informed this person I know why I receive the letter. I was trying to get them to see this from a Customer 's perspective and they feel they have done no wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION HAS ON INQUIRIES ON MY REPORT THAT ARE NOT MINE. 

NOT MINE : XXXX XXXX XXXX -- XXXX XXXX -- XXXX   XXXX  XXXX -- XXXX/XXXX  -- XXXX XXXX XXXX -- XXXX  XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX/XXXX XXXX XXXX -- XXXX XXXX  XXXX -- XXXX XXXX -- XXXX-XXXX   -- XXXX  XXXX -- XXXX XXXX XXXX -- XXXX XXXX XXXX -- XXXX -- XXXX  XXXX XXXX -- XXXX XXXX, XXXX -- XXXX XXXX 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

I bank with XXXX XXXX XXXX XXXX in Oregon, the closest XXXX to me is over 40 minutes away, so I went to the local US Bank in XXXX, Oregon to make a withdrawal. ( On XX/XX/XXXX ) The US Bank teller did not think she would be able to make a withdrawal from my XXXX account, but she made an attempt, and said it will work after all. 
As she is finalizing the transaction, she was having a hard time reading my debit card number, after looking for a while, she decided the number was illegible because my card has some wear around the debit card number. She made the decision to cancel the transaction. 

As I attempt to make a withdrawal at another bank, I was declined because I now have a pending charge of {$1700.00} from US bank in XXXX, leaving me with lower available balance. 
I went back to the US bank branch, and the teller said that she reversed the charge, this was after they closed at XXXX on XX/XX/XXXX. 
On XXXX at XXXX, the pending charge is still on my account, holding {$1700.00} from my available balance. 
On XXXX I called the US Bank customer service phone number and they said they are unable to do anything, and that I have to wait 3-5 days for the transaction to clear. 

I find this to be extremely unreasonable that a bank can withhold {$1700.00} from my bank account, simply because they were in the process of withdrawing money for me, but then decided not to. I know my {$1700.00} is in the possession of US Bank, where I am certain that money is added to their net balance, and is likely making US bank a return in the market. 
I trade in the market myself, where money can be multiplied by 10x in a day in some cases when trading derivatives.. so in my eyes, I am potentially out of a lot more money than {$1700.00}. 
This is an inconvenience that US bank should be compensating me for. 
I thank you in advance for any help provided with this dispute.
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 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed numerous disputes, I have also been locked out of my Equifax and XXXX online accounts. I have not used credit in years as I was XXXX. I have looked into and sought legal help since. I filed disputes with no luck. I am submitting this information in hope that the companies receive the information and update the reports immediately