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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/XXXX : Account number : XXXX Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX  XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit reporting

This issue is in reference to a public record for a tax lien that was released in XXXX. The West Virginia XXXX XXXX office failed to release the lien at the time of settlement. This was not completed until XXXX. The state office stated that it was not possible to retroactively change the release date in their computer systems. Instead, they noted the official court document with the correct date and provided me with a copy. 

I submitted disputes with the XXXX primary credit reporting agencies. XXXX of them accepted the updated court documents and immediately changed the entries. In XXXX ( XXXX years after the lien ), the entries dropped off as they should. 

Equifax refuses to change the release date and still report it as XXXX. This means that the record will remain on my credit report until XXXX. 

Even worse, the public record appears on their report in XXXX separate entries. There is XXXX using the court booking number ( beginning with XXXX ), the other using the state lien file number ( beginning with XXXX ). Everything is the same about these XXXX entries except for those XXXX numbers. The lien dollar amount, the date filed, the state it was filed from, the XXXX release date, the contact information for the state office are identical. 

Multiple disputes have been opened over the last two years. For all of them I either emailed, faxed, or physically mailed the updated court document with contact information for the Tax Compliance department. Several Equifax CSRs verbally confirmed that they see the correction on the document. They also confirmed that the public records are duplicated. Even so, the final investigation results dispute comes back with the same conclusion. 

I have followed Equifax process and received no resolution to my problem. At this point, I will have to seek legal counsel.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting that I owe {$620.00} on mycredit reports I never had a XXXX XXXX card nor was I a authorized user on this account like they are tellng me not my account
Product: Payday loan, title loan, or personal loan

Had a loan several years ago with this company & was unable to pay off due to financial hardship. I havent received any correspondence from them & then started getting several harassing calls for the past week from different numbers.I figured they were fraudulent since there were so many & no voicemail, until today. Before I could call them back they had contacted my family members to devulge personal information about me & claimed they were from the XXXX County Sheriffs office & were coming to my family members house to look for me. This cant be legal. This is going overboard. I called them back earlier & it was the same information my family member gave me so I know they are the ones. They said their company is XXXX or XXXX & they are representing XXXX XXXX. They also said it is their locator officer that was impersonating the Sheriffs officer that called my uncle! 
They used several numbers ... XXXX XXXX, XXXX. They claimed my case number is # XXXX XXXX XXXX but couldnt provide me with substantive information. I told them that I would not do any transactions over the phone & they further threatened me with legal action. I provided them with my address so as to send any other correspondence by mail & also asked them to stop threatening my family members. Please look into this case.
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires that I didn't apply for any lines of credit or loans I already have two new cars and I never used any of theses lenders. : I was going over my credit report and I seen unauthorized inquires that I do not reocognize. 
Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called " permissible purposes, '' that must be met before anyone can inquire a credit file. 
I never gave any permission for the following companies to pull my credit report demand to see the application for credit or request for business. 
I demand see the purpose, and written contract, and proof that I applied for these accounts?? 
I am a victim of Fraud and I am protecting my credit file as much as I can. please delete these at once : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments on XXXX XXXX XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.
Product: Checking or savings account

XX/XX/XXXX aprox XXXX researching online for help with XXXX Product when acquired a contact number for XXXX via ad. Contacted and advised my problem they said they could help me. Upon talking with Technical Support and them directing my to my conclusion it turned out I was the victim of Criminal Fraud which they remotely logged into my phone and wiped my account of my remaining {$1200.00} of my XXXX check. Immediately called Chime and reported the incident and they advised that " No Error involved '' meanwhile I've reported to FTC, IC3 & XXXX. Now 20 days later Chime still refuses reimbursements of stolen funds. Please help in any way that you can. I have just came across your organization so I reported to your company also.
Product: Student loan

I submitted all of the required documents to have my income based student loan to be processed, and then I was told that the person who helped me had made a mistake. And, that I needed to submit more documents because the documents that I had submitted had expired. The process that the company has sent me through is mentally draining. The employees are incompetent and full of wrong and misleading information. My loans are constantly in forbearance because of the rigorous process it takes to recertify my income based loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by company in the file you maintain under my social security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX, I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

Identity was stolen. Credit account open with XXXX XXXX and XXXX XXXX. Cards marked as lost/stolen on credit report. I did not open these accounts. I called both companies to report this and filed a police report with XXXX XXXX XXXX department in XXXX
Product: Credit reporting or other personal consumer reports

I am writing to vigorously dispute the inaccurate reporting of a charge-off and subsequent issuance of a 1099-C ( Cancellation of Debt ) on my credit report. This reporting has caused significant financial harm and violates my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

The issuance of a 1099-C indicating a cancellation of debt totaling {$600.00} or more has resulted in the Internal Revenue Service ( IRS ) considering this amount taxable income. 

Furthermore, the charge-off being reported as negative information on my credit report is inaccurate and misleading. According to 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( c ), furnishers of information to credit reporting agencies ( CRAs ) have a legal obligation to report information that is 100 % accurate. Reporting this debt as a charge-off when it has been canceled is a clear violation of these provisions. 

Regional Acceptance and XXXX XXXX XXXX, in concert with XXXX XXXX XXXX, are violating the FCRA.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX # XXXX XX/XX/XXXX {$15000.00XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$10000.00} XXXX # XXXX XX/XX/XXXX -- {$2700.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit and noticed that experian had unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ) they assumed this role without my permission and I did not give them consent. Not only that, they violated my privacy which is under 15 USC 1681a ( 4 ). They did not exercise their grave responsibility. They were unfair. I never instructed them to furnish this report and I never consented to the report in the first place.
Product: Money transfer, virtual currency, or money service

on Tue, XX/XX/2020 at XXXX XXXX i received a marketing email from American Express. I have in previous complaints noted that i filed a request to remove my name and business names i have used or used previously from Amex marketing. I was sent a American Express Gold Card for Business application and i was denied the credit card. These new marketing material continue to make it difficult for me to build my credit and obtain high quality credit card offers. I am even being sent a package to my home, which i will not want to use because it could cause further negative credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response from the credit bureaus. I feel like I am being taken advantage of and being ignored. In Section 611 ( a ), it clearly states that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be updated to payed as agreed and all the fraudulent inquiries deleted. I demand that these items are addressed immediately or I will file for litigation due to the stress it has caused me. My information was also impacted by the Equifax Data Breach and may have fallen into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from portfolio recovery saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXXXXXX account. Look at attached documents below.
Product: Credit reporting

A judgement is listed on my profile although it should not be as it was included in my bankruptcy. This is only incorrectly reflected on equifax and I have repeatedly disputed the matter with them and they contact the court as opposed to the creditor. I 'm not certain why it 's only incorrect on this profile but nothing is being done to resolve the issue. I was referred to the court which indicated they do n't report and the creditors indicated they do n't report as they received the bankruptcy information. At XXXX point it was reported correctly but as of XXXX 2016 I have not been able to resolve this matter.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. 

1. ) XXXX XXXX XXXX Original Creditor : XXXX Company Sold : Not told Account Type : Debt Buyer Date Opened : XX/XX/XXXX but quoted initial account opened in XXXX? 
Status : Collection account. {$2500.00} Status Updated : XXXX XXXX Balance : {$2500.00} Ive disputed inaccurate information several times, Ive contacted both the debt buyer and Experian to update their errors. Ive always been a XXXX customer Ive never held a sprint account. No true response or correction on neither side. 

2. ) XXXX Account type : Auto Loan Date Opened : XX/XX/XXXXXXXX  Open/Closed : Closed. 
Balance : {$9000.00} Balance updated : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXXXXXX  All information completely wrong Ive reach out to both XXXX and Experian. No help
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. Account name : US BKPT CT NC XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Address Error : Never my address XXXX XXXX XXXX XXXX XXXX NC 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: Checking or savings account

An account with Chime was opened without my consent. The account was created using my email address and phone number. I was able to change the password and login where I noticed the address was old ( have not lived there for many years ). I called Chime and had the account closed, but it makes no sense to me why someone would open/access an account which requires verification that will only be sent to me ( phone and email ). I did confirm with Chime that my social security number is needed in order to open the account.
Product: Credit card

On XXXX of XXXX I noticed that I had a balance of XXXX $ in credit builder account but I couldn't get it my credit builder said I had XXXX XXXX  but I had XXXX in my secured set aside, I called chime let them know the situation he talked me into sending XXXX $ to my credit builder from my balance to pay my bill but my credit builder bill was paid already he insisted I'll get it back on my checking I didn't he informed me it got lost and for me to receive my balance from credit builder to my checking that I needed to close my credit builder account he said that was the only way so after he closed my credit builder account he said wait 24 to 48 hours the balance will pop up on checking account the balance from credit builder, then the representative said he checked with his boss and was able to get me a XXXX $ spot me for my inconvenience while I waited for my balance to reflect on my checking account, I waiting called back XXXX of XXXX now another representative told me what the other representative told me was a lie, I had to wait 30 days for my balance to come in a paper check mailed to me and if I would have left my credit builder account open they could have transferred my XXXX balance to my checking account, I informed the representative that a chime representative insisted that I had to close my credit builder account in order for me balance to be transferred, I informed this member of chime that I can't afford to wait 30 days for a check to be mailed I'm on a month to month income and can't pay for meds, she informed me that a supervisor has the authority to add my balance from credit builder to checking and she's going to forward information exculste the information to supervisor and I shouldn't have a problem. I WAS MISLEAD THROUGH OUT THIS WHOLE SITUATION THEY HAVE DECEIVED ME I FEEL LIKE IT WAS A CALCULATING DISRUPTIVE, AND MISLEADING TERM OF EVENTS INTENTIONALLY MENT TO HARM AND ANTAGONIZE ME. I WANT MY BALANCE OF XXXX $ IN MY CHECKING ACCOUNT AND I WANT TO SEE IF I CAN GET A CLASS ACTION SUIT GOING IT'S THE XXXX AND HAVEN'T HEARD ANYTHING BUT LIES. ALL CONVERSATION 'S WAS RECORDED AND TEXT THROUGH CHAT
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for Care Credit and XXXX XXXX through an ad on XXXX. Both of the consumers stated that it would be a soft inquiry and would not affect your credit score! This needs to be addressed if they are pulling hard inquiries and being deceptive to applicants!!! I have screen shots but only camera comes up not able to upload screenshots of companies stating " see if you qualify with no impact to your credit score ''.
Product: Debt collection

I do not have a legal binding contract with L J ROSS ASSOCIATES, If they are licensed to collect a debt, please send me your license to collect a debt in New York State. you purchased this as a debt collection device to make money as a debt collector. You have 5 days to respond with a statement of account with a XXXX balance and remove any and all off my credit report. Failure to respond in 5 days is acceptance and failure to cure your dishonor will recieve notice and demand for XXXX in damages for violations included : Fraud, Extortion, Denial of Right to happiness and privacy, Dishonor in commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violation, FDCPA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, On XX/XX/2023, we ( XXXX XXXX and XXXX I was a co-signer on the loan ) settled for less than our original balance of {$4800.00} through XXXX XXXX. The amount agreed upon was {$2000.00}. The payment was received by XXXX who then released the funds to XXXX. This account is now settled and closed, however is showing as open and even that the payment is late on my credit report ( XXXX ). This is showing up on BOTH my Transunion and my XXXX. We are in the process of buying a home and this could be detrimental to that process. I have called both companies, XXXX ( debt collector ), and XXXX the original creditor. I have now filed disputes with TransUnion XXXX XXXX XXXX separate times. The first XXXX times there was no change, the third is still under investigation. Considering that this debt is now settled and the loan is NOT open ( or late! ), I would love to have this information updated on my credit report ( s ). 

I understand that XXXX XXXX stated that the debt will not be fully deleted, however I have been advised by several people at their company that it should be listed as a charge off, settled for less and NOT and open account ( which now has a late payment!! ) We have worked so hard to rebuild our credit and to finally be able to buy a home for our XXXX children. The fact that we settled this debt and it is showing up incorrectly on my report ( s ) is highly concerning and I wish for them to update them to show the loan as closed, and then update it to charge off- settled for less. For my trouble of having to dispute this now 4 times, if they wanted to do a full delete- that would be even better! 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing 1 account since XXXX XXXX, almost a full year and the bureaus have verified the information but have never proven to me HOW they're verifying it nor have they provided documentation! Then, they stopped responding all together! In fact, this account was paid in full in XXXX of XXXX yet they're reporting it delinquent in XXXX of XXXX! This is a paid collection and I have included the paid confirmation for your reference.