23daVinci/CFPB_Complaints huggingface dataset:
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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any 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 XXXXXXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : $ {$820.00} XXXX XXXX  XXXX Balance Owed : {$11000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my XXXX credit report. I am asserting my right. 

While comparing my XXXX and TransUnion credit reports, I discovered several discrepancy regarding the DATE OF LAST PAYMENT. 


XXXX XXXX XXXX Fair Credit Reporting Act ( FCRA ) The FCRA was enacted to protect consumers from the inclusion of inaccurate or outdated information in their credit reports and gives consumers the right to dispute such inaccuracies. 
Section 611 ( 15 U.S. Code 1681i ) - Procedure in case of disputed accuracy : This section requires credit reporting agencies to investigate disputes within 30 days and to correct or delete any inaccurate, incomplete, or unverifiable information. 
Section 609 ( 15 U.S. Code 1681g ) - Disclosures to Consumers : This section entitles you to receive a copy of your credit report and any information contained in it.

Section 623 ( 15 U.S. Code 1681s-2 ) - Responsibilities of Furnishers of Information : This section mandates that data furnishers ( such as creditors ) must report accurate information and correct any errors promptly once notified of a dispute.

Fair and Accurate Credit Transactions Act ( FACTA ) An amendment to the FCRA, FACTA provides additional consumer protections, such as the right to obtain a free credit report annually from each of the three major credit bureaus. 

Specifically, on my XXXX report, the date of last payment is listed as XX/XX/XXXX while on my TransUnion report, the date is listed as XX/XX/XXXX. This inconsistency is affecting the accuracy of my credit profile. 

Please investigate and correct this error. I have enclosed a copy of my XXXX and TransUnion reports for reference, discrepancies.
Product: Debt collection

This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me. Per the accounts below : EQUIFAX : XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX {$2000.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$4800.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$200.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX {$50.00} Account number XXXX Collection opened XX/XX/2018 XXXX XXXX Original creditor : XXXX XXXX XXXX {$2400.00} Account number XXXX Collection opened XX/XX/2XXXX XXXX
Product: Debt collection

I called XXXX XXXX and settleted my debt of {$250.00} on XX/XX/2018. I have payed this off and it still show on my credit report in collections.
Product: Checking or savings account

Truist bank denied me access to our joint account that my name is on and am a signer on the account with my wife. No logical reason was given for their behavior.
Product: Credit card

That card was not used for months ; it was empty at {$0.00}. All of a sudden they start calling and emailing the I am past due. When I look to see why they started charging me {$5.00} dollar monthly fees. When I noticed I paid and closed the account No purchases were made and the card was empty for months. The have fought me for years on this without providing me the email with the change of terms ; and as usual you take there side. I have no late payments to XXXX or it creditor. The funny part is only one credit beurue took them upon there selves to make it right with a proper investigation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX According to the records you have provided many times, the 1st Date Of Delinquency of my Auto Loan was XXXX. 

You are reporting this incorrectly to XXXX XXXX XXXX Experian Credit Reporting Agencies. 

Please remove it from my credit file immediately. 


You have still not provided a payment ledger for all payments made on my credit card you are reporting to the credit agencies incorrectly, the first date of Delinquency was before XXXX and should be reported correctly. 

You are reporting this incorrectly to XXXX XXXX XXXX Experian Credit Reporting Agencies. 

Please remove it from my credit file immediately or provide me with a complete payment ledger from the day I opened the XXXX Credit Card. 


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

My only name is XXXX XXXX, and my only address is XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, FL XXXX. I should not have any company for employment on my credit report but it shows mutiple ones, names, and address that should not be there. My personal information is simply as stated : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX. 
NO OTHER NAMES, ADDRESS, JOBS, OR ACCOUNTS SHOULD BE ON MY CREDIT REPORT AND PERSONAL INFORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian and XXXX to verify the information being reported to the credit bureaus concerning an account with XXXX XXXX. I have sent them out letters XX/XX/XXXX and i have also send them letters XX/XX/XXXX giving them 10 days to cure the situation. I have sent them copies on my utility bill, social government ID. It is now XX/XX/XXXX and I have not been contacted via phone, mail or any other form of communication and these accounts are unverified and are still being reported and effecting my credit score. I have been more than patient and at this point I am more than frustrated. This is stopping me from starting my business and receiving the proper resources to do so.
Product: Credit reporting or other personal consumer reports

All 3 credit reporting companies are give my information to all the get out debt companies for which they don't really want to help i have talked to 2 of them and all they want me to do is put money in a trust account and then they will call the creditors and make a settlement for which will take about 90 days. So that meant to me was i probably be sued by the ones not being paid during this time I'am supposing saving to money to a settlement with a company. I have a lot of debt right now and trying to make arrangements with my creditors. I get anywhere from 3 to 8 offers daily about consaladateing my debt with a loan but that is not the case they don't loan money with a lower payment they are just legal loan sharks.
Product: Money transfer, virtual currency, or money service

I would like to be reimbursed for my lost funds using this service!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit reporting agency, disputed the inquiries. The credit reporting agency, informed me that the results are valid. I then contacted the creditors that made said inquiries and they responded that they needed additional information, they were unable to locate with name, address, etc. I received correspondence from a few creditors, stating that they would immediately request removal. I am not sure how the credit reporting agency could claim this to be valid, when in fact the actual creditor has acknowledge an error and requested the inquiry to be removed ( i.e. XXXX XXXX XXXX ; XXXX ) Then the address on record for XXXX XXXX XXXX XXXX, is not a valid address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX/XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ). 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ).

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : XXXX XXXX XXXX as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful.
Product: Mortgage

I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, I ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX GEORGIA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

Zelle had a missing disclosure when I zelle someone in the past so I sent the wrong person and could not get my money back.
Product: Credit reporting or other personal consumer reports

Good day, this is very alarming as there are items on my credit report that have resulted from fraud to which I never benefitted from. This is making me really anxious and stressing me out, it's a really time-sensitive problem for who knows what else they are doing with my information and this is already devastating to me. 
I have reported them to the Federal Trade Commission but they are not removed from my report which is really frustrating.
Product: Debt collection

" Contract was cancelled '' " NO CONTRACT '' Although debt was not validated to clear the issue I sent in a letter and check that said " in cashing this check this you consider this account paid in full and agree to remove it from all XXXX credit bureaus ( XXXX XXXX XXXX, XXXX ). This was cashed on XXXX/XXXX/2017 and the account has not been removed from all XXXX bureaus as of today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, indicated there was a reinvestigation which signals an initial investigation was done. Results from that investigation were neither logged, rendered, nor provided to Ms. XXXX, in 30 days and or til date, despite Ms. XXXXs repeated requests. Second, Ms. XXXX requested Equifax to provide the method of accuracy & verification used by Equifax pursuant to FCRA 611et.seq. and or 611 ( 5 ) ( A ) ; and Equifax remains non-compliance till date. Third, Ms. XXXX requested Equifax to provide a court order judgment showing that named Creditors listed was the injured party and or an order of this allege debts with a judicial signature with circuit/district 's stamped seal regarding account # s listed for Creditors. Thus proving its legal accuracy & verification of this allege debt belonging to Ms. XXXX. Hence, Equifax again went silent.
Product: Debt collection

XXXX XXXX is reporting a student loan on my credit report as late 120+ days. I have never had a student loan with XXXX XXXX, as all of my student loans are serviced by XXXX. I contacted XXXX XXXX Only to be told that the debt was leftover tuition but was not given any documents or explanation as to why 6 years after attending XXXX XXXX that this is the first time I am being notified of this debt. They have not sent me any documents showing how I am responsible for this debt, only a bill through a debt collector. I decided to dispute this with XXXX, which was a joke as well. Dispute came back as verified although once again I was given no documents to prove verification. If I am truly responsible for this debt I will gladly repay but not without proper documentation and an adjustment to the harmful items on my credit report which are being falsely represented. If I do indeed owe this debt it is CERTAINLY not a student loan, installment loan, and is certainly not late on payments as I have never been notified of any payments due. XXXX XXXX is intentionally using these tactics viciously and with no proper documentation to support their claims.
Product: Checking or savings account

On XX/XX/year> & XX/XX/year>, I applied for credit ( s ) at Well Fargo with application # XXXX. At this time, my application was not RE-TRACK or return to me. Per Wells Fargo XXXX Wells Fargo Company XXXX XXXX XXXX filings & indenture agreements- the take all applications whether its denied or approved & turn those receivable and turn them into cash to securitize them with XXXXXXXX XXXX  with XXXX XXXX XXXX. I'm requesting my securities to be RE TRACK from wells fargo. I'm don't want wells fargo to profit from my security collateral since I never received an fair exchange with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage Company - XXXX XXXX, is inaccurately reporting on my credit file. XXXX XXXX  is reporting : Opened Account on XX/XX/2023 with one payment on XX/XX/2023. 

This is SEVERELY INACCURATE! 

Account was opened on XX/XX/2023 and first payment was made on XX/XX/2023, along with a second payment on XX/XX/2023. 

Several attempts have been made with XXXX XXXX  to update my credit file with correct reporting information, they failed to update my credit. XXXX XXXX  representative stated to file a compliant. 

This is unacceptable and I'm requesting the IMMEDIATE update of my credit file to reflect : Account open - XX/XX/2023 Payment on - XX/XX/2023 Payment on - XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am writing regarding my second dispute as a victim of identity theft. Enclosed are copies of my police report, identity theft report, drivers license, Social Security card, and proof of my current address to verify my identity. This is my second formal request, as my initial dispute was unjustly denied despite the clear evidence of fraudulent activity. 

I have reviewed my credit file again, and the fraudulent information still does not relate to any transactions I have made. I am requesting that this incorrect information be immediately blocked and removed from my credit file. This is not a regular dispute ; I have filed a complaint with the Federal Trade Commission to document this identity theft. 

Pursuant to Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and delete the following fraudulent accounts and incorrect personal information from my credit file within 4 days of receiving this letter : Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Personal Information Account Number : Previous Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX Identity Theft - Fraudulent Bankruptcy Case : Bankruptcy XXXX  XXXX Case Number : XXXX Please remove this from my credit report. 

XXXX XXXX This second request reflects the seriousness of my situation, and I expect the fraudulent information to be blocked and removed promptly as required by law. Failure to address this matter appropriately may result in additional actions to protect my rights. 

Thank you for your attention to this issue, and I look forward to confirmation that the fraudulent information has been removed.
Product: Checking or savings account

I had a CD that was due to mature on XX/XX/year> for {$270000.00}. I gave clear instructions to close the account on the maturity date and transfer the proceeds to my checking account at another bank. ( GS Bank does not dispute this. ) However they did not transfer the funds. I have spoken numerous times on the phone with their customer service. They will say only that the account is " under review '' and will not give me any explanation, and the representative says only that she can not do anything -- I have to wait for a " specialist '' who will phone me within a few business days, but they have failed to call by the date promised. 

I need that money. They do not dispute that I gave them instructions to transfer it. They are giving me no explanation. And they have repeatedly promised to get back to me and failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XX/XX/2017 AMEX FRAUDULENTLY RAN MY CREDIT WITHOUT MY PERMISSION. I RECEIVED A LETTER FROM AMEX A FEW MONTHS LATER SAYING THEY WOULD SUPPRESS THE CREDIT INQUIRY, BUT THE INQUIRY STILL REMAINS ON MY CREDIT REPORT.
Product: Student loan

When my student loans were with Navient, I would send in my Income based repayment application every year. My payment was always XXXX  because my income was so low. And yet they are negatively reporting late payments, and those payments are not being reflected as a part of eventual loan forgiveness after 25 years of income based repayment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, 15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under 15 USC 1666b, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure.

This dispute concerns a late payment entry reported by XXXX XXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Debt collection

I have power of attorney for my father, who is XXXX years old. At the time of the alleged debt, in the summer of XXXX, my father lived in an independent living facility in XXXX, CO. He had signed up through the living facility to obtain cable through XXXX. He claims that the independent facility quoted him a price for the cable package, but when they went to install it the price was substantially higher that what was originally quoted to him. So he declined to have the cable installed. All of his dealings was with the independent living facility and he never signed any contract with XXXX, to the best of his knowledge. Over a year later on XXXX XXXX, XXXX, he received a letter from Diversified Consultants, Inc. XXXX. XXXX XXXX, XXXX, FLXXXXXXXX that he owned XXXX {$210.00}. I wrote a letter in his behalf to Diversified Consultants on XXXX XXXX, XXXX, advising them that my dad did not owe the amount as he had never signed any agreement with XXXX. To date neither my father or myself have received any response from Diversified Consultants. However some alarming events have taken place. I received a letter from XXXX stating that my father 's address had been changed to my residence. My father does not live with me and has his own address. Further neither my father or myself have ever notified anyone to change his address to mine. The second incident involved my personal credit information. I was advised on XXXX XXXX, XXXX, that on my credit information, my address has changed to my dad 's previous and present address. These two incidents need to be corrected as they are not only incorrect, but are inaccurate and not requested. A letter has been sent to Diversified Consultants to advise them of these unacceptable practices.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX XXXX XXXX  ) has violated my rights under the 15usc1681 section 602 states I have the right to privacy ( 15usc1681. Section 604a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.Under 15uscs 1666b a creditor may not treat a Payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Payday loan, title loan, or personal loan

I signed up for flex on XX/XX/XXXX. I tried paying my rent in installments with the flex app. They took the amount due for my rent and they had a service issue when sending the money to the rental property that I live in. I have sent numerous email requests for customer service with this issue. I have not received the help I need with this issue resulting in me not being able to pay my rent and starting a eviction process. I just need my money back to pay my rent and to never work with flex app again. This company needs to go out of business with the amount of people going through the same issues as I am.
Product: Vehicle loan or lease

I believe my vehicle loan had discrepancies in various fees and interest rate charged. I believe I fall under the settlement and am owed money back.
Product: Checking or savings account

On XX/XX/XXXX I received a deposit of {$800.00} in the form of XXXX payment. 

On XX/XX/XXXX, the bank froze my account and put an unauthorized chargeback on the transaction. As a result, I lost entire {$800.00} because of the transaction reversal. Since then, I tried to contact the bank 's Fraud Department as well as XXXX Complaints Management Office. None of them provided me essential resolution even though I provided all the necessary evidence to show that the transaction was valid. 

On XX/XX/XXXX, I requested a full disclosure of how the investigation was conducted by the Fraud Department. But it eventually got rejected by the bank without any explanation. 

Below are the representatives who handled my case : Fraud Department : XXXX, XXXX XXXX, XXXX, XXXX Escalations Representative : XXXX XXXX, and XXXX Case Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one wont remove after settling and paying