23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have disputed this issue at least XXXX times. I have a closed XXXX account, that is appearing STILL on my Equifax account. It was opened in XX/XX/XXXX and reported to Equifax in XX/XX/XXXX. It is still on my account. XXXX ( XXXX ) does n't even have me in their system under my SSN. How do you prove a negative? I ca n't get a letter from XXXX as they have to generate it, Catch-XXXX, from an account to send to Equifax. It has a {$0.00} balance, but this is a classic example that the dispute process with credit bureaus is a joke. 

I will, for the XXXX time, write letters to XXXX and to Equifax. Why am I not considered innocent until proven guilty when it comes to credit bureaus? Why are they considered above the law?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint Filed on XX/XX/XXXX Request for Immediate Action Regarding Incorrect Bankruptcy Reporting To Whom It May Concern at the CFPB : I am writing to formally follow up on my complaint submitted to the CFPB on XX/XX/XXXX, regarding the incorrect reporting of a bankruptcy discharge date by Equifax on my credit report. Despite my submission of clear evidence, including a letter from the court stating that they do not supply information to credit reporting agencies, I have been informed that Equifax has claimed the information was verified as accurate. 

Failure to Provide Evidence of Verification ( FCRA 611 ( a ) ) : By law, when information on a credit report is disputed, the credit bureau must conduct a reasonable investigation and provide evidence of how the information was verified. To date, I have received no proof of verification, such as the name of the entity contacted or their findings. How was this information verified? Who was contacted? These are questions that remain unanswered. 

Failure to Correct Inaccurate Information ( FCRA 607 ( b ) and FCRA 611 ) : The discharge date being reported is incorrect. Even if Equifax claims to have verified the information, the fact remains that it is inaccurate. Under the FCRA, credit reporting agencies are required to correct or delete inaccurate information promptly. This is a clear failure to comply wit

h their legal obligations. Failure to Maintain Maximum Possible Accuracy ( FCRA 609 )
: Credit reporting agencies have a duty to maintain maximum possible accuracy in their reports. Continuing to report incorrect information, despite being provided with evidence of its inaccuracy, is a direct violation of this requirement. 

As a consumer, I am entitled to an accurate credit report. The continued reporting of incorrect information on my credit file has caused harm to my financial reputation and created unnecessary frustration. This issue is not only a violation of my rights under the FCRA but also an indication of negligence by Equifax. 

Given the seriousness of this issue, I must also question the CFPBs handling of this complaint : Why was my complaint closed or dismissed without requiring Equifax to provide documentation or evidence of their verification process? 

Why has the CFPB allowed Equifax to continue reporting inaccurate information despite clear evidence of its inaccuracy?
Product: Credit card

On XXXX I was visiting XXXX and I made a purchase at XXXX XXXX in XXXX XXXX. I purchased : XXXX XXXX XXXX XXXX XXXX at XXXX XXXX each, total XXXX XXXX. 
XXXX XXXX at XXXX XXXX, total XXXX XXXX. 
XXXX XXXX in small XXXX case at XXXX XXXX, total XXXX XXXX 
Total Purchase amount was XXXX XXXX. 
On XXXX I saw a charge to my credit card for {$720.00} XXXX = XXXX XXXX. It was obvious to me there was a mistake on the decimal point when my card was charged. I contacted my credit card to dispute the charge and I explained to them I only had a credit card receipt but no itemized receipt from the store. They said they will look into it. On XXXX I received a letter from the bank saying the billing was correct. I called the bank and asked how did they come to this conclusion and they said they merchant supplied with a signed credit card receipt and that that was enough to for them. I asked if they requested any sort of documentation from the merchant and I was told it was up to me to provide any documentation to prove the vendor wrong, -as I mentioned before, I could not find an itemized receipt for this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was pregnant and was put on bedrest due to being XXXX XXXX XXXX. My payments failed behind due to lack of work with my XXXX. I had my son in XX/XX/XXXX. I called in XX/XX/XXXX to get my account back in good standing. So I only had late payments from XX/XX/XXXX - XX/XX/XXXX. I went back to work in XX/XX/XXXX but then XXXX hit in XXXX of XXXX and I still made payments on time during Covid. 

I was making on time payments and using the card after XX/XX/XXXX. I tried to use my card in XXXX of XXXX and the card was declined. I didn't know my account was closed in XX/XX/XXXX. Since then the company has been reporting my account with current late payments. I have called and asked why was my account close and the only thing I received was a copy of my credit score. The letter did not tell me why my account was closed. This company is affecting my credit report with these late payments. I have asked to speak with a supervisor and they said they can not put a supervisor or manager on the phone. I spoke with a rep on XX/XX/XXXX and she stated if I made a payment the account would be reopen and the account is still closed. 

I can not access my account or do anything. Why is the company reporting recent late payments on a card that has been charged off? Its bad enough people have to deal with the issues with Covid19 and then the company is making your credit look bad by reporting inaccurate information. 

Company : Comenity Capital Bank/My Children 's Place Credit Card XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that XXXX and TransUnion Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

IQ International is attempting to collect a debt that is not valid. IQ International contacted me in XX/XX/XXXX regarding a balance that was purchased by them from the XXXX XXXX  XXXX. Upon receipt of their initial letter I immediately filled disputes with the creditor directly, as well as lodging several complaints against XXXX XXXX XXXX with the FTC and local regulators in both the State of Colorado and the State of California. I had lawfully terminated my lease at the XXXX XXXX XXXX per the terms of the lease ( failure to maintain a safe and liveable environment. I had provided management advanced notification of my lease termination via writing and within the timeframe my lease allotted. I also provided management at XXXX directly with both photographic and video evidence supporting my claims. Even though I had followed all requirements in my lease management at XXXX refused to abide by our lease terms and stated they would not honor the lease we had signed. I was not provided any invoice on move out and did not receive any further communication from XXXX until receiving a bill directly from IQ Data. No invoice from the creditor was ever sent to me advising of any balance owed. Upon receiving notice from IQ Data I immediately filled a compliant with CFPB. IQ initially responded to the complaint providing a invoice with no explanation for charges listed. Past the initial response I had received no further contact from IQ Data. Today XX/XX/XXXX almost 7 months after receiving the initial letter from IQ, after receiving no further follow up, invoices, or communication they placed the disputed account on my credit report.
Product: Credit reporting or other personal consumer reports

Bank Of America is reporting Charge Off accounts on my credit report repeatedly placing the CO Mark every month, this is not correct as they keep updating the account every month. I have already communicated with the bureaus and they say that they investigated and everything is fine, which I doubt since I still see many errors. 

And I have the same problem with XXXX XXXX too
Product: Credit reporting or other personal consumer reports

You were notified that account XXXX XXXX XXXXXXXX is reporting the wrong balance and activity date on my credit report and you have failed to remove this inaccurate information. XXXX and Transunion are reporting different balances. XXXX reports a balance of {$2000.00} while Transunion reports {$2000.00}. Neither of those balances are correct which my last statement will show ( attached ). Furthermore, the activity on this account was in XXXX of 2024 which XXXX nor Transunion reports. At this time, I am requesting the deletion of the aforementioned account due to false and misleading information. If this account is not removed within 10 business days, I will be taking legal action due to negligence and defamation of character. Please see the attached documents showing that you are reporting false information and remove this account immediately.
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 items 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 alleged fraud or extortion. XXXXXXXX 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 or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Re : Notice forProof of Claim To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO XXXX XXXX XXXX Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Since this is an error I demand that you send me the following proofs for the following accounts : 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: Payday loan, title loan, or personal loan

I received a payday/installment loan from XXXX XXXX ( also known as Bluechip Financial ) around XX/XX/2018 in the amount of {$800.00} ; which was instantly deposited into my checking account. At the time the loan was made- I was unable to fully and completely review The Truth in Lending Disclosures. To this date- I am still unable to access my account and view any of that information. The only information that I am able to view when I log into my account is the next payment due amount and current payoff amount. As of todays date- the current payoff amount is {$980.00}. I have been making bi-weekly payments of {$150.00} ; all of these payments have gone towards the astronomic interest that is being charged and nothing towards the principal. To date I have made the following payments : XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, XX/XX/XXXX18, and XX/XX/XXXX18. I am unable to continue making these payments and have tried to contact the company to discuss other arrangements ; to no avail. The only response I have received from the company is being told that payments will continue to be drafted from my account. This predatory loan is not only unethical but illegal in the state of Georgia. The interest amount being charged is well over 400 %. Chapter 17 of Title 16 of the Georgia Code is commonly referred to as the Payday Lending Act, even though it applies to installment loans as well- this code states any loans of {$3000.00} or less made to Georgia borrowers at interest rates that exceed eight percent ( 8 % ).
Product: Debt collection

[ XXXX XXXX ] Date : [ XX/XX/XXXX ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX  MN XXXX Subject : Request for Removal of Collection Account from Credit Report Dear Sir/Madam , I am writing to request the removal of a collection account associated with my name from my credit report. Below are the details of the account : Date opened XX/XX/XXXX I believe that the information reported is inaccurate or has been resolved. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I kindly request that you investigate this matter and remove the collection account from my credit report if the information is found to be inaccurate. If this account has been resolved or paid in full, I request that you provide written confirmation of this and proceed with the removal. 

Please send me written confirmation once this account has been removed from all credit reporting agencies. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, [ XXXX XXXX ]
Product: Mortgage

I closed on my home XXXX XXXX. The property taxes were included in the closing costs. I was advised through mail that XX/XX/XXXX Fidelity Mortgage was selling their accounts to US Bank Mortgage which whom would be our new mortgage company. I receive a bill from the XXXX XXXX treasurer dated XX/XX/XXXX for property taxes. I spoke XXXX at US BANK Mortgage on XX/XX/XXXX whom stated the payment to the county was denied. I made a case/ticket with US bank for the taxes to be paid. Advised to call back in 10 days. Call back and spoke with XXXX XX/XX/XXXX she stated there was a approval to pay but no payment made yet. Call back in XXXX. Call back on XX/XX/XXXX and spoke with XXXX whom stated no payment made and needed to make another case/ticket. Call back in 10 days. Call back XXXX and spoke with XXXX whom stated on XX/XX/XXXX check was sent. Call back in 10 days to verify. Call back XXXX spoke with XXXX whom stated it was paid but needed a email sent of the property tax bill to pay the interest of {$69.00}. Email sent XXXX. Email again on XX/XX/XXXX to verify if paid, no response. Call back ok XX/XX/XXXX and spoke with XXXX whom transferred me to XXXX to verify if interest has been paid and was told the penalty and interest rates is now {$400.00} and check was sent to county treasurer on XX/XX/XXXX for the amount. Call back in 10 days for check to clear. As per my US BANK MORTGAGE app states the original amount was deducted from escrow on XXXX. I called XXXX XXXX treasurer on XX/XX/XXXX to verify and XXXX stated they have not received any payments from US bank mortgage. They stated if the amount is wrong they would send the check back to the mortgage company. As of XX/XX/XXXX my property taxes, interest and penalties have not been paid by US bank mortgage when I originally paid my property taxes on XX/XX/XXXX at closing.
Product: Credit card or prepaid card

My credit was impacted negatively from Capital One reporting to all 3 credit bureaus that I was 60-89 days late as my worst payment status from XX/XX/XXXX through XX/XX/XXXX for both of my credit cards. I communicated to Capital one that that I was impacted negatively financially due to Covid-19. Both credit cards are now current and the platinum card is paid off in full. I would like to request that capital one removes the negative late payment history reported from my credit reports with all 3 credit bureaus. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know why I'm being charged for a student loan from a school I never attended. I was never enrolled into a class there's no proof of any type of transcript, grades or work I've done. There's no proof of the teacher and or a class I don't know how they got my social. I recall calling to inquire about the program but I never made a payment to sign up for the program.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX is XXXX address is XXXX XXXX XXXX, XXXX XXXX AL XXXX XXXX I am a victim of identity theft due to the XXXX XXXX XXXX. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Dispute Center ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate.

1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX  XXXX Please verify this account. 
XXXX XXXX XXXX XXXXXXXX Please verify the filing date as well as the discharge/completion date. If you are unable to verify, please remove it from my credit report. 
XXXX XXXX XXXX XXXX Please verify this account. 
XXXX XXXX XXXX  XXXX I noticed you are reporting multiple 30 day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 
XXXX XXXX XXXX XXXX XXXXXXXX Please verify this account. 
XXXX XXXX XXXX  XXXX Please verify this account. 
XXXX XXXX XXXX XXXX Please verify the filing date as well as the discharge/completion date. If you are unable to verify, please remove it from my credit report. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 

XXXX XXXX