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

I have accounts on my credit report Equifax that Is reporting inaccurate and is violating my rights and is hurting me from obtaining credit I have tryed to fixed the problem with them and it has not been fixed I have proof of the inaccurate information that is reporting on my reports diffrent it cant be accurate or verified when same account has different opening dates, or showing account open when closed .. Will upload documents, I will like these accounts removed from my credit report immediately, XXXX XXXX XXXX Dates of last payment is diffrent reporting inaccurate, Account status reporting inaccurately and comments sold reported inaccurately not same information but same account XXXXXXXX XXXX XXXX XXXX XXXXXXXX showing open when closed, Reporting inaccuratelyXXXX XXXX XXXX XXXX XXXXXXXX Dates open is reporting inaccurate and diffrent and account status reporting inaccuratelyXXXX XXXX XXXX XXXX XXXX Reporting open when closed reporting inaccurate.. I will like these Deleted please
Product: Debt collection

The XXXX XXXX XXXX XXXX has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from Capital One. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP XXXX, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year> XXXX XXXX AUTO IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my home refinanced and as part of this I need to get my credit report from all three bureaus. XXXX and XXXX  have no issues sharing my credit report. Equifax said that I locked my credit report and would not unlock it even when I called numerous times to free the report. They then informed me that the credit report was freed, however when it was checked there was no information contained in the report. When I spoke with them about it they told me there was an issue with the address that I was using. I have a physical address and a P.O. Box. They said that I need someone to report my credit using both addresses. I checked with my bank who advised that they reported my loan status to Equifax. They said that they have sent the report with both addresses every time the report is sent. I have spent no less that 5 hours on the phone with Equifax through numerous phone conversations. They have been the cause of numerous credit failures from not being able to rent a car, to not being approved for a credit card. They refuse to help and are costing me money daily due to the fact that I can not improve my finances as a result of their failures!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

on XXXX Capital one pulled my credit without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than XXXX business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX DC XXXX .... Balance : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. Balance : XXXX XXXX XXXX  XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXXXXXX XXXX SERVICES XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
Balance XXXX XXXX XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the government shutdown I was having financial difficulty. I received a letter from the FHA stating they expect lenders to work with consumers, including suspending reporting and removing late fees. I made 1 late mortgage payment in XXXX during this time. Quicken did not report the late payment until XXXX. At that time I reached out to Quicken and asked them to remove the late payment, suspend reporting as expected by the FHA. Their rep XXXX XXXX refused to remove the late and/or suspend reporting for that month because I did not reach out for financial assistance at the time. Quicken did not once send a memo and/or email detailing the help they offered. Quicken did not inform me that they would not follow the FHA memo if I did not call for assistance. I was under the impression they would because my credit reports for XXXX and XXXX did not reflect a late payment. Additionally I spoke to another rep at Quicken which told me in their internal system I do not show as having made a late payment. He directed me to email their helpdesk and ask the discrepancy to be fixed. I followed his instructions. I received an email from XXXX XXXX stating they would not remove the late reported to the CRB.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The debt collector is illegally reporting data that is beyond the statue of limitations and is time barred.

2. The debt collector stated that I never called in however stated I requested a investigation. Also I will be attaching a screenshot of my call to the debt collector when a representative told me that the debt was pass the statue of limitations so technically they could not report. 
3. I will be requesting the recording of that call that took place XX/XX/2021XXXX 4. Not to mention this is debt that has been written off by the original creditor and resold and reported meaning it has affected my credit score twice doe the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

The 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. 


The Credit bureaus stated my account XXXX XXXX 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. This ground for removal, They also violated the law because according to 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
Product: Credit reporting, credit repair services, or other personal consumer reports

See letters sent of unauthorized inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have what I believe is a very simple problem XXXX  shows all my accounts but XXXX  and experian do not show. I will show you current screen shot of XXXX. Hope this can be resolved asap
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a phone call from a bank of america number. This number ended up being a scammer who coursed me into sending {$3000.00} from my savings account to myself through XXXX to protect me from fraudulent activities on my account. The so called account I was sending it to ended up being a scammers account. I called immediately after to verify the transaction. It was at that time they made it aware that i was scammed. I submitted a fraudulent claim on the transaction. They said it would be reviewed and a decision would be made. I received a notice that my claim was denied due to them saying they couldn't get in contact with the financial institution that the money got transferred to. They also said I initiated the transaction and they were not liable for the damages. There should be a way to stop payment on these types of transactions or trace them to their origin for reimbursement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account CAPITAL ONE AUTO FIN Opened Date XX/XX/2014 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that CAPITAL ONE AUTO FIN was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 This is an inquiry I have no idea where it came from or who did it.
Product: Credit card or prepaid card

Like in XX/XX/2019, I received over the mail a promotion for an XXXX credit card. They offered me XXXX miles if I was approved for their citi/XXXX credit card. 

While submitting the application online, the system did NOT approved my application with a note that an agent would contact me. Like 10 days or so later, I received a welcoming docs over the mail Citi " Premier '' credit card instead. At that moment I remembered that it happened in the past when I also applied for the Citi/XXXX card online and Citi sent me a different card that I also rejected! 

I called them asking for an explanation, and they let me know that in order to get that promotion, I must have not owned or applied for the " famous '' Citi/XXXX in the last two years. So, I let them know, if I did NOT meet the requirements to apply, 1 ) why they sent me the offer ...

2 ) why they took the liberties to approved me for a different card without my consent! 

So, I canceled that credit card. My credit scored suffered for nothing! 

At the end, I have to call them again, because I received over the mail a statement with the charge of {$95.00} for the annual fee ...
Product: Credit reporting

My identity was stolen beginning in XXXX XXXX 2015 in which an individual ( s ) attempted to open multiple lines of credit in my name with out my consent. I reported this to the XXXX main credit bureaus some time around XXXX 2015. I still have XXXX credit inquiries on my credit report that are a result of the identity theft issue. I need those removed from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute inaccurate late payments reported on my credit file for the XXXX XXXX account ending in XXXX. These late payments, reflected for XX/XX/XXXX ( XXXX and XXXX ) and XX/XX/XXXX ( Experian ), are incorrect and do not accurately represent my payment history. I have consistently made timely payments, and as such, I request an immediate investigation and correction of these inaccuracies. 
Account Details and Discrepancies Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Date of Last Activity : XXXX XXXX XX/XX/XXXX Experian : XX/XX/XXXX XXXX XXXX XX/XX/XXXX Payment Status : XXXX XXXX 30 days late ( XX/XX/XXXX ) Experian : 30 days late ( XX/XX/XXXX ) XXXX XXXX 30 days late ( XX/XX/XXXX ) but marked " Current '' Specific Errors Contradictory Reporting : XXXX and XXXX report a late payment for XX/XX/XXXX, while Experian reports it for XX/XX/XXXX. 
XXXX inconsistently lists the account as both " XXXX '' and " 30 Days Late '' for XX/XX/XXXX. 
Inaccurate Payment Status : I have been enrolled in autopay for this account, and no payments were missed in XXXX or XX/XX/XXXX. 
Conflicting Remarks : XXXX and Experian state : " Dispute resolved ; customer disagrees. '' XXXX states : " Consumer disputes after resolution ; closed or paid account/XXXX balance. '' Unsubstantiated Reporting : No verifiable evidence has been provided to support the reported late payments. 
Violations of Federal Law These inaccuracies are violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws, including : 15 U.S.C. 1681i Credit reporting agencies are required to conduct a reasonable investigation of disputed information and correct any inaccuracies.

15 U.S.C. 1681s-2 Information furnishers must ensure the accuracy of the information they provide to credit bureaus.

15 U.S.C. 1681n and 1681o Creditors and bureaus are liable for willful or negligent noncompliance, including actual and punitive damages. 
Truth in Lending Act ( TILA ) Mandates accurate reporting of credit obligations and prohibits misrepresentation of account information. 
Fair Debt Collection Practices Act ( FDCPA ) Prohibits misleading or inaccurate statements regarding a consumer 's debt. 
Requested Resolution I respectfully request that : The inaccurate late payments for XXXX and XX/XX/XXXX be removed from my credit report. 
My payment history for this account be updated to reflect on-time payments. 
You provide written confirmation of the corrections within 30 days of this letter. 
If these inaccuracies are not corrected promptly, I will escalate this matter and pursue all available remedies under federal law to protect my rights as a consumer. 
I have attached relevant supporting documentation, to substantiate my claim. 
Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Today XX/XX/year> I Contacted The Credit Reporting Agencies & Tried To work with all 3 Credit Reporting Agencies To Remove Fraudulent & Incorrect Information On My Credit Profile.They Have Yet To Remove The Negative Items That Aren't Mine Due To Identity Theft.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submited a dispute wihth XXXX to dispute a 30-day late payment that Wells Fargo reported for XX/XX/XXXX and provided them with copies of my Wells Fargo statements showing that Wells Fargo made mistakes and I should not have a 30 day late payment on my account. The payment was done 7 days from when it was originally due and I was never past due on my account XXXX Wells Fargo has me past due incorrectly on my XXXX statement ). After submitting the evidence to XXXX, they sent the information to Wells Fargo, but Wells Fargo validated the late payment even though I provided evidence ) and XXXX disregarded the evidence and left the 30 day late payment because Wells Fargo " validated '' the late payment. I have disputed this twice with XXXX on XX/XX/XXXX and on XX/XX/XXXX closed the dispute and left the 30day late payment - completely ignoring the evidence/documents. I called them on XX/XX/XXXX after reviewing the results and they said even though they had the evidence they can not delete it, unless Wells Fargo tells them to. I thought they were supposed to be the mediators in this investigation, but according to them, they only go based on what the creditor provides them -- regardless of any evidence or legal documents I may have. They recommended that I reach out to Wells Fargo, but I explaned that they can not find my account when I call over the phone. Anyway, I disputed the late payment with Wells Fargo again on XX/XX/XXXX and on XX/XX/XXXX they closed the dispute AGAIN saying the same thing - Wells Fargo validated the late payment and could not provide me with proof or comments from Wells Fargo. Also, Wells Fargo is disregarding the documents and when I call them they are saying my account has been purged and they recommend me to reach out to the credit bureas. So it's like XXXX says to call Wells Fargo, and then Wells Fargo says to call XXXX - I keep getting the run around and being re-directed and all parties are not reviewing the documents. I was under the impression that XXXX  was responsible to make sure Wells Fargo corrected their error and see their oversight, but XXXX said no and there is nothign they can do if Wells Fargo keeps validating the late payment. Any help you can provide will be really helpful. Additionally, I did reach out to Wells Fargo Executive Offices on XX/XX/XXXX and also sent them the documents I sent to the credit bureas on XX/XX/XXXX - they are the only department that can find my account, but can not dispute it on my behalf and they have routed to their credit department which keeps validating the incorrect payment.
Product: Prepaid card

I received an Amex eGift Card. This includes an email You have received an American Express eGift Card from XXXX. And on there I clicked the link to validate and print the card, which loads on XXXX XXXX XXXXXXXX XXXX XXXX  and shows a balance. I attempt to use This on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. 

I also tried adding this card to my XXXX wallet and use in-person with XXXX different merchants. None worked. 

Many people have reported having this problem starting this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX  Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX  failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Ive sent multiple 605b and FTC reports to XXXX  and Experian continues to ignore. Which is a violation of the FCRA. XXXX  has deleted all items because they are fraudulent!!

The following fraudulent accounts are 1.XXXX XXXX XXXX XXXXXXXX {$1300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract! This account is fraudulent! 
3.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Ive never done business with this company or entered into a signed contract. This account is fraudulent! 
Please See Attached FTC Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX I disputed several charges from XXXX that were done on XX/XX/XXXX which I originally reported them to XXXX as fraudulent charges and once I received their dispute claim decision and was denied a refund then I reached out to chime and disputed the charges with them which they gave me a claim id # XXXX and on XX/XX/XXXX they denied my claim so I submitted a appeal or rebuttal to the decision and asked that they re-open and re-investigate the dispute which they gave me a rebutttal claim id # XXXX and asked for supporting documents of their decision to originally deny my dispute claim and was told that I'd receive them in 3 days which as of today XX/XX/XXXX I have not received anything from them. I was also told that the dispute was eligible for a temporary credit but yesterday XX/XX/XXXX when I called to check the status of my rebutttal I was advised that no I wasn't eligible for a temporary credit for this dispute.
Product: Credit card or prepaid card

I got behind on my XXXX Credit Cards. I have 4 of them. They have called me 14 times since this morning starting at XXXX. I have told them that I will be paying them off in full soon. They wanted to know how. That is none of their business as long as they get the money. In the meantime, I would like for them to stop overly excessively calling and harassing me.