23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

XX/XX/XXXX I submitted my human trafficking documentation to Equifax around XXXX XXXX. This morning early, before my doctors office was even open, Equifax had sent an email denying my self-attestation form stating it was not valid. I called Equifax and they stated that they called my doctor 's office, which per the guidelines I have read is not something they are permitted to do per 605C FCRA, and are requesting more information. My doctor 's office was not open until after I spoke to Equifax and they stated Equifax did not call, nor email, nor have any correspondence with them.

I have obtained a letter from my medical provider which I am attaching along with their correspondence and all of the documents I submitted to them so you may thoroughly investigate and hopefully fine their agency appropriately for violating the law as I would be fined if I violated the law.
Product: Credit reporting

I had a judgment against myself in the original amount of {$670.00}, through XXXX County Superior Court. Over time, this judgment incurred interest, in which I agreed to settle on a total amount of {$1700.00}, with a one time payment. This payment was made via XXXX XXXX Personal Check, No. XXXX, on XXXX/XXXX/15, in the amount of {$1700.00}. 

I never received a receipt from XXXX County Superior Court, so I do n't have one to furnish, but I have attached a copy of the payment. The rest of the information I have on the judgment is as follows : Payment Date : XXXX/XXXX/15 Check No. : XXXX Amount : {$1700.00} Bank : XXXX XXXX Address ID No. : XXXX - XXXX Identification No. : XXXX - XXXX XXXX ID No. : XXXX This judgment is showing up on both my XXXX and TransUnion Credit Report. Had I not have just started a XXXX XXXX, I would have never known about it. This is affecting myself and my family more so due to my Credit Score being affected by an estimated XXXX-XXXX points, while being in the middle of underwriting a Home Loan. 

I have submitted disputes with both XXXX and TransUnion, as well as submitted a compliant to the Washington State Attorney Generals Office, along with your Bureau. Please let me know if there 's anything I can do to help move this along as quickly as possible, the difference in Interest Rates will cost me thousands, upon thousands of dollars if I do n't get this taken care of. 

Thank you for your time, I appreciate your help. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I applied for a AXOS Bank business checking account. The application process took months while I gave them very sensitive information. Finally I was approved but then my application immediately cancelled. I find this is very shady and now this " Bank '' has my sensitive information. During the application process, they claimed my XXXX XXXX account was frozen which it was not. When I did check my XXXX XXXX account, I found out that this Axos Bank kept on submitting inquiries with different addresses that were incorrect. I only authorized Axos XXXX XXXX inquiry NOT XXXX! The Initial inquiry is XX/XX/2022 that has an incorrect address that is not mine. Inquiries on XX/XX/2022 and XX/XX/2022 that I DID NOT authorize, has an address that is not associated with my business. Axos Bank DID NOT use the correct address I gave them and have it on the application as a " mailing '' address instead of my business current address. As such, due to these inquiries that have erroneous information and Axos manipulating my application, has cause me to unable to get a checking account since the erroneous addresses are causing a red flag with the banks I am applying with. I believe this Axos Bank is scamming people to get their sensitive information and selling it. Since this application, I have been receiving a high level of spam mail and calls that I didn't have prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX passed a law to protect me from being late XXXX XXXX XXXX ( a ) a creditor XXXX not treat a payment on a account under an open end consumer credit plan as late for any purpose And also they recieve a XXXX down payment from me and according to TRUTH AND LENDING THAT IS ILLEGAL XXXX XXXX XXXX XXXX FINANCE CHARGE
Product: Checking or savings account

I signed up for overdraft protection for my checking account with TD bank on XX/XX/XXXX and I was misinformed multiple times about how it worked. I was told on XX/XX/XXXX that I could write a check out for my rent and car payment and I had 60 days to get my account positive and that it would not affect my credit and the checks would not bounce. Well after a couple of weeks all the checks I sent out bounced and until I talked to a supervisor around XX/XX/XXXX he finally told me I had to have my account positive for a check to clear. I stated to him that I had told numerous customer service representatives that I had lost my income and that I was given the correct information. I was only given back about {$170.00} worth of overdraft fees and my account is still negative {$730.00} today.
Product: Student loan

I graduated from college in 2015 and I took out private loans through Sallie Mae throughout my four years. I was XXXX and my parents cosigned with me. I have been paying more loans for a little over a year now. In that time I have paid over {$6500.00} just in interest rates. I am currently paying {$670.00} a month just for my private loans this does not include my federal loan of {$180.00} per month. I have called multiple times to Sallie Mae to refinance or consolidate or receive income based payments. I was told we do not offer any of those things. I have also have tried to refinance through a bank which I was denied for because of my debt-to income ratio. I currently work at a job where I make {$XXXX} an hour. This is the only job I could get out of college in my field at an entry level position. I am currently struggling to live because of my student loans. Paying {$850.00} a month is not acceptable. I have barely paid anything to the principle because my interest rates range from 8.5-9.875 %. I have payments of {$0.00} going toward the principle. Please help me!
Product: Debt collection

Convergent Outsource bought this debt from XXXX and report this to my credit agency. XXXX. Every time this debt is sold this third agency tried to ruin your credit over XXXX dollars. This has been reported 3 times by different agencies. I don't owe this debt. I wanted them to erase this from my credit report and stop reporting to my credit report agencies. I will report them to the FCRA they don't have the right to collect a debt I don't owe to them. PERIOD
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

OnXX/XX/XXXX when I purchase my vehicle, dealership and Prestige stated that after one year of successful timely payments that I will be getting a lower interest under XXXX percent. 
Is alreadyXX/XX/XXXXand the promises that Prestige Financial Services has n't been implemented. 
Also my balance of my XXXX XXXX XXXX of XXXX miles is not lowering because of the high interest rate of 17 %. I purchase vehicle on XX/XX/XXXX for {$20000.00} and my present balance is at {$18000.00}. 
I am having a very difficult time in selling my vehicle because Prestige payoff is around {$18000.00} in which my vehicle is only worth around $ XXXX {$14000.00} on XXXX XXXX XXXX and with a trade in value of {$13000.00} if my vehicle loan is paidoff, in which is not paid in full. 
Also I just receive a Safety Recall Notice on my XXXX XXXX XXXX XXXX on XXXX XXXX and I have a very safety concern. I took my vehicle to XXXX XXXX on XXXX XXXX at XXXX for Safety Recall at XXXX XXXX XXXX, XXXX XXXX XXXX CaliforniaXXXX XXXX. 
Also, because of XXXX Recall there is a XXXX XXXX XXXX against XXXX in which my name was included on lawsuit. 
I feel very unsafe on this vehicle that was sold to me on XX/XX/XXXX and dealership in XXXX, Texas failed to provide me the inspection report as I requested and dealership did n't want to provide on safety report on my vehicle when I purchase onXX/XX/XXXX. 
I had safety issues when I drove from XXXX, Texas to XXXX, Texas when I purchase vehicle on XX/XX/XXXX I took my vehicle to a XXXX, Texas mechanic shop onXX/XX/XXXX and mechanic revealed safety issues and I had to pay the charges on safety issues. 
Bad tires, wheel alignments, bad battery, change of oil, etc there was a charge of around {$1000.00} I am in California on my XXXX XXXX Medical Treatments with my XXXX XXXX XXXX. 
I am XXXX and XXXX and a XXXX XXXX XXXX XXXX XXXX. 
Notice : I am sending evidence of documents to CFPB by email. 
Very Urgent Matters.
Product: Debt collection

I was not notified ( ever ) about a debt from a company that I have done business with. I have paid this company over 7 thousand dollars in the last 2 years for service, they ( XXXX XXXX XXXX ) never notified me of a debt that I owed from 2017 after I recently paid them for maintenance and repairs for a vessel. I recently noticed a debt for {$2000.00} plus on my credit report. I was never notified and I never received anything in the mail what so ever. This has severely impacted my ability to access credit or buy a home due to this false owed amount. This is illegal. This violates multiple consumer protection and federal trade commission rules.
Product: Credit card or prepaid card

Chase dispute services claims the requested fax was not received. On two separate occasions a fax had been sent to the number provided. The amount in dispute XXXX was reversed XX/XX/2021. The second attempt to dispute the purchase reversal occurred XX/XX/2021. The original purchase date is XX/XX/2021, that includes an overlapping purchase. To which, only the book purchase was desired : not a book with monthly subscription and webinar for the above price. Chase and the merchant were contacted directly in an effort to resolve the dispute.. 


XXXX and XXXX XXXX XXXX issues has not been addressed. As stated, in a prior message Chase refused to permanently reverse the XXXX charge. They did communicate about the duplicate charges. However, the CFPB did not achieve the result sought. Which is duplicate charges acknowledgement and reversal. 

That leads us back to ( XXXX  ) our merchant in question, owing a book ( duplicate ) and upcoming conference stream to purchaser. We regrettable ask that Chase and the CFPB, evaluate our claim again. The merchant has been contacted once again and states they can no longer reverse the errant charge.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT. MY INFORMATION HAS BEEN COMPROMISED DUE TO XXXX, TRANSUNION, XXXX XXXX BREACHES. I HAVE INACCURATE DETAILS AND UNAUTHORIZED ACCOUNTS LISTED ON MY CREDIT REPORT. I HAVE MADE SEVERAL ATTEMPTS DISPUTING THE INACCURATE INFORMATION AND ASKED FOR A SWORN TESTIMONY OF METHOD OF VERIFICATION AND HAVE NOT RECEIVED THAT. I STILL HAVE YET TO RECEIVE REMEDY FOR THE INACCURATE DATA FURNISHED ON MY CREDIT REPORT. THERE HAVE BEEN MULTIPLE VIOLATIONS PER THE FAIR CREDIT REPORTING ACT. NOW I HAVE NO OTHER CHOICE BUT TO TAKE IT TO COURT
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. XXXX reports my middle initial as XXXX  which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX, XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a dispute of information on my XXXX XXXX account in collections through a credit bureau ( experian I believe ). I filed the dispute with a complaint of the late payments being inaccurate and that the loan was included as one in the class action suit that lead to a settlement for all affected loan consumers. I asked that the amount that XXXX is supposed to pay be removed from the balance and for the late payments to be removed. I also asked stated that I didn't receive credit for the car that was repossessed being sold at auction. Instead, there were late payments added to an account that was charged off and has been closed, dormant and in collections for years. I called XXXX  and they said that they couldn't access the account and that I would receive a letter from the credit bureau explaining the changes ( I haven't ). I reached out to Vermont 's Attorney General 's office and they directed me here. I have since learned that the settlement agrees that any negative remarks are supposed to be removed in XXXX of XXXX and {$1300.00} of any balance will be removed.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the EQUIFAX for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with a credit card issuing company, but had a freeze on my credit. The company used equifax to pull my credit score, and asked me to lift the freeze with equifax to process my application. 

I tried creating an account on equifax 's website, but the site gave me an error. My account was successfully created on the second try, but the login would not work ; it gave an error and said I should call XXXX. I waited on hold for 20 minutes, and then when someone ( XXXX XXXX answered, I explained the situation and said I needed to lift a freeze on my credit. They transferred me to another department, where I repeated the experience with XXXX. Then this department transferred me to another, who tried to get me to call the main number again ( This was a guy named XXXX ). 

I tried their online chat support ( XXXX XXXX, but the representative said I needed to call in to lift the freeze. She then disconnected the chat before I could explain I had already called in. 

Now I can't use equifax and I can't get a new credit card.
Product: Checking or savings account

Tried to open  a CD acc ount at Discover Bank. Just want to transfer money from a Discover B ank Savings a cct. Spent time on line filling out application. At the end of the application process, was notified to call a service representative to fin alize the opening of the account. Called the representative and was on the phone for 15+ minutes with 10 minutes hold while they investigagted. Meanwhile I received an email stating the application was not accepted. I brought this to the attention of the respresentive who put me on hold for another 4 minutes and then came back and said I have to start the process all over again. When I ask ed why, there was no reason. I fillled out all the paperwork to the best of my ability. It was a mere transfer of funding from an internal account. I called to complain and find out why. No one could answer. My time is valuable, too.
Product: Vehicle loan or lease

On XX/XX/2021 I submitted a full credit application for the purpose of a boat loan with Essex Credit a division of Bank of the West. Received one automated email within minutes requesting a NADA valuation of the boat which I immediately submitted. I have called this company for three consecutive days and no one answers the phone, instead once making selections from the automated menu it states there's problems with the system try again later and a disconnection. I fear this company is collecting information from consumers for some nefarious purpose as banks answer their phone.