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

I am trying to temporarily lift a freeze on my Equifax credit report that I placed as a result of the security breech that occurred at Equifax. Equifax has incorrect information that is making it impossible to establish my identity and access my account to lift the freeze.
Product: Mortgage

I made a mortgage payment online and my mortgage bank changed the amount of the payment. I called them, they called me a liar. They said I changed the amount.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed I had fraudulent activity.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing discrepancies. These late payments don't align with my usual payment history.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1, 2 accounts under the same company XXXX XXXX XXXX XXXX XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if th person knows or has cause to believe that the information is inaccurate.
Product: Credit card

Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.
Product: Credit reporting or other personal consumer reports

I have contacted the tenant screening agency and the credit bureaus requesting a full investigation on the account history and information. They are reporting inaccurate balance information from the documentation I have.
Product: Debt collection

The Credence company located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, keeps harassing me that I did not pay the XXXX & XXXX internet bill and needed to pay the debt. The internet line was disconnected at the end of XX/XX/2021 by XXXX & XXXX after receiving my request. But the credence is asking to pay the bill for the month of XX/XX/2021, when my internet line had already been cancelled. I have asked the credence to send me details ; however, they are not cooperating ; instead, they keep sending me collection notices without more information. They must need to stop harassing me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : 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

I did not apply for credit with XXXX XXXX XXXX XXXX XXXX. I did not apply for XXXX XXXX. XXXX inquiries are on my credit file are fraudulent. Identity Theft Report Filed. XXXX.
Product: Credit card or prepaid card

US Bank approved me for a XXXX XXXX Visa card on XX/XX/2022 with a very low XXXX credit limit. I have a XXXX credit score and I need to escalate this to an executive customer service at US Bank XXXX Please increase my credit limit to a reasonable amount such as XXXX for a business credit card.
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report, and I have no idea why theyre there. I regularly check my report, but this time, I found unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inquiries remained. Im extremely frustrated and request an immediate and thorough review of the documents I provided to ensure I wont have to deal with this issue again.
Product: Credit card or prepaid card

Opened mail from Chase Bank on XX/XX/23 and found a XXXX XXXX XXXX XXXX credit card with accompanying new customer documentation inside. Card had full account number with my name listed on the front of the card. On XX/XX/23 I called Chase Bank to ask why a credit card had been issued with my name on it and Chase verified that the card account was activated around XX/XX/23 and XXXX purchases were made with it around XX/XX/23 in XXXX XXXX. Chase agreed to flag the account as fraudulent and investigate.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed by someone claiming to work for bank of America for a total of {$23000.00}. 

Right after the transfer happened, I noticed online it said you can still edit or stop the transfer if you use a desktop computer. I do not have one so I immediately called BOA for assistance. I spoke with a XXXX who denied she could stop the transfer, although we both confirmed we saw it processing still and she was also the one to set up the claim. She asked for my address so she can mail my Scam acknowledgment forms and I confirmed my address 2-3 times with her. When I received the scam acknowledgment forms a couple days later I noticed that the form stated I lived at a completely different address Ive never heard of before. I did not feel comfortable signing. I ended up going to the bank on XX/XX/XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXo speak to XXXX XXXX ( XXXX ). He spoke to three different people and finally got the right address on the forms. He also told me to come back so that they would send out the forms for me to ensure it got there safely. I was able to go back the following saturday to send out the forms, but the co-manager was working that day I didnt get to catch her name, but she walked over to the fax machine I saw her hitting all the buttons and she said she sent them out. Three business days later I called to check on the claim and they said that the papers were never faxed over so I decided to email them instead. sure enough they then got the papers. Why was this address on my legal bank forms? And why did the co-manager working that day not send out the forms for me when she said she did? 

It has been over a month now, and I am being told I need to wait 60-90 days for a response. A woman named XXXX from the complaint department on XXXX XXXX end, told me that theres nothing they can do and even hung up the phone on me as I was still speaking. No answers, no compassion, just left here completely broke. This awful situation is really starting to affect me in negative ways. I rely on that money to live my day to day life. I have worked my tail off for almost 20 years to save up that money. Ive been financially dependent since XXXX. I pay some of my mothers bills, I need that money back. Please!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/2022 to remove : XXXX XXXX XXXX WAY XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX  XXXX  XXXX Balance XXXX {$0.00}, which were UNKNOWN to me . I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items not later than 4 business days after the XX/XX/2022 letter. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX and I am including these items again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey my name is XXXX XXXX XXXX and i have tried many times to rectify this issue with EQUIFAX. At this point i feel that i have been taken advantage of and treated unfairly. I have sent many dispute and this company just fail to follow the law and properly investigate this matter. these negative items on my consumer report has made it extremely difficult for me to obtain any type of credit.b I am hoping we can rectify this issue and remove the fraudulent items from my consumer report
Product: Credit card

In XXXX my wife  had XXXX my bill was due on XX/XX/XXXX. I have had perfect payment history on all my bills credit over XXXX never been 30 days late on any credit card. I got an alert text from Discover that my bill was due on XX/XX/XXXX I went in made a payment and it cleared on the XXXX for XXXX dollars well over the minimum due. I did not realize I was ever late on my credit card I got an alert from XXXX XXXX  that I had missed a payment. I immediately called Discover Bank they said I missed XXXX and that I paid on the XXXX of XXXX I was considered 60 days late. My credit went from XXXX to XXXX. I apologize explain to what happen they said sorry to hear that but there is nothing they can do. I have an opportunity to work at XXXX as a XXXX XXXX however my minimum credit score has to be XXXX now I will be losing this great opportunity because of this miss payment on my credit. I offered to fully pay in full they said they can not do anything. I told them I read up they can do a Goodwill Deletion they refused completely to help me. I do not know what else I can do. This really hinders me and cost me my partnership with XXXX. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX an application was put in XXXX XXXX XXXX, by my husband, with me as co-applicant. Without my permission to use my name and social security number. Also on XX/XX/XXXX these other companies were contacted. 
2.XXXX XXXX 3.XXXX XXXX 4.XXXX 4. XXXX 5.XXXX XXXX XXXX 6.XXXX 7.XXXX XXXX XXXX ON XX/XX/XXXX XXXX XXXX. ALSO ON XX/XX/XXXX AND XX/XX/XXXX XXXX XXXX AND XXXX XXXX all of these businesses said I was an co-applicant on the applications with my husband being the primary applicant
Product: Prepaid card

I bought XXXX Mastercard gift cards from XXXX. These Gift Cards are issued by US Bank. When I went to use them I found that money had been drained form them. I contacted US Bank and they asked to fax in information such as a copy of the card and the sales receipts. They said someone will contact me within 24-48 hours. After two weeks no one contacted me. So I called them and then they said that no one was supposed to contact me and now they will file a dispute and I need to send in more faxes. Everytime I call they give me different information. They are just giving me the run around and holding my money hostage
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 15 U.S.C 1 681 section 602 A. States I have the right to privacy.

15 U.S.C 1 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1 681 section 602 A. States I have the right to privacy. 


Review the Following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & Last reported XX/XX/XXXX {$770.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/XXXX {$380.00} Reported balance XXXX XXXX XXXX I Last reported XX/XX/XXXX {$0.00} Reported balance
Product: Credit reporting

Hi, I am unable to receive my credit report online, and this is preventing me from applying to credit cards or viewing reports online. I received the credit report in the mail, with report # XXXX, but even trying to access this report online results in errors. I am unable to upload my verification information online. I have sent via XXXX the same information to Experian, but have received no response. 
When I try to access the report online at the following url ( XXXX, which re-directs to XXXX ), I am still unable to access my online report either through the top option-Access By Report Number, or the bottom option-Access by Personal Information. I am still unable to access my credit report online. I am more than happy to provide the information ( attached to the cfpb dispute ), or via experian.com/upload, but I receive the same error on all sites ( attached as a new attachment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Total amount {$1600.00} account/bill was for corrected medical procedure that was done incorrectly. Dental service provider sent me 3 hours away to another qualified dentist to correct the issue and stated I would not be responsible for their negligent service causing me to have a root canal which was not initially needed. Dentist cause an issue and it had to be correct at my expense of going to only other dentist to correct issue in XXXX XXXX XXXX 3 hours away. Now XXXX is wanting to charge me for fixing what 1 XXXX messed up and another had to correct!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> the account does not belong to be and it continues to hurt me in life can you all remove it
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Experian, I am writing to formally dispute certain inaccuracies on my credit report as provided by Experian. I have reviewed my credit report and identified the following entries that I believe to be incorrect : XXXX. XXXX XXXX XXXX XXXX No knowledge of Account XXXX. XXXX XXXX XXXX XXXX No knowledge of Account XXXX. XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate or incomplete ( 15 U.S.C. 1681i ). The law requires you to conduct a reasonable investigation into my claims and ensure that my credit report is accurate. 

In the case of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that consumer reporting agencies must conduct a reasonable investigation once a dispute is made. I trust that you will adhere to this standard. 

I kindly ask you to review this information and conduct a thorough investigation. 

In addition, if you find that the information is indeed inaccurate, please ensure that it is corrected or deleted from my credit report, as required by law. 

Please notify me of the outcome of your investigation within 30 days, as mandated by the FCRA. I appreciate your prompt attention to this matter and look forward to your reply. 

Thank you for your assistance. 

Sincerely, XXXX 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 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 correct : XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXXXXXX Date Opened : {$360.00} XXXX  XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$250.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I contacted the agency by the name of Team Recovery, INC and spoke with a representative at approximately XXXXXXXX XXXX EST. I confirmed my name, and address, and requested an itemized receipt of what they are improperly reporting to my credit profile. The representative tried to avoid this request, and told me call the hospital, call your insurance, weve already sent you letters. 1. I have no knowledge of these balances they claim are mine. 2. Why would I call a hospital or my insurance when this company is damaging my credit by reporting what is apparently healthcare bills, which is not legal as it is a violation of HIPPA. 3. Ive never received a letter from this company previously. 

On XX/XX/year> I received a letter from this company, and it was not what was requested. I asked for an itemized receipt of what they are reporting to my credit to confirm this is accurate, and truly mine- the letter indicates no record that the debt being reported truly belongs to me in any way besides slapping my information on the letter with the balances they are reporting. 

Due to my request not being fulfilled. I am disputing the validity of this reporting as the information they provided to me shows no information on how this debt is mine. I am requesting all accounts be removed UNLESS a full itemized receipt is provided to me.
Product: Credit reporting or other personal consumer reports

These loans are on my credit report. They are affecting my life. I did not authorize this. Code 15 USC 1681b This is against the law. Delete my personal information. 
Education loans. Department of Education XXXX Delete these XXXX XXXX XXXX XXXX