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.

1 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the XXXXXXXX XXXX XXXX and court trustee of the XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the XXXX XXXX  XXXX omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX cell phone service and switched to XXXX when they where offering to pay off last bills to switch to them, XXXX failed to send payment to XXXX, XXXX sold account to XXXX a collection agency I paid them and requested that it be removed from all 3 credit bureau XXXX and XXXX  agreed to remove, XXXX and Experian are refusing my dispute to have it removed. XXXX has removed but XXXX and Experian have not even though the actual debtor is requesting for it to be removed!! Also i have made 4 request in the past XXXX to get my final bill from XXXX and i have yet to receive anything from them other than verbal confirmations of we are sending them to you.
Product: Credit card or prepaid card

I was taken into XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. Upon my XXXX, I noticed that various credit cards were used without my consent. Chasebleing XXXX of these banks. I contacted Chase on XX/XX/2022 of me not making these charges and they temporarily credited me those charges, however on XX/XX/2022 they reversed the credit for XXXX XXXXharges of {$430.00} from XX/XX/2022 and {$320.00} on XX/XX/2022, stating that XXXX  supplied them with contractual agreements?? Please see attached proof showing I was detained for those dates in question! I don't care what XXXX supplied my credit card company, there was no way I could contractually agree to anything since I was in a XXXX XXXX XXXXXXXX had permission to use my credit cards and noone can contractually agree to use my credit cards if they were stolen from my possession. Please help me in reopening this dispute and advise them that they should credit me these amounts under XXXX XXXX liability promise of authorized activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new and updated information from closed complaint XXXX. 
In my last complaint I stated that the dealership had shown no proof of the application. XXXX XXXX has sent over a copy of the application. See attached. Right above the signature of the application there is a statement that reads as follows : " You are notified pursuant to the Fair Credit Reporting Act, that your application may be submitted to the financial institutions named below or to other financial institutions.

I'd like to bring attention to the fact that the word " May '' is not a definitive term as it means expressing possibility. Making this statement deceptive.

Underneath this statement is a space for the names and addresses of financial institutions that may be contacted. That space is empty, there was no disclosure that these financial institutions would be receiving my credit report. Therefore XXXX XXXX, Exeter Finance Corp, and all other financial institutions contacted by this dealership by use of my signature on this deceptive form had no direct or indirect authorization, consent, or permissible purpose to review & furnish my report. This is proof of unfairness, partiality, and a violation to my right to privacy as a consumer from the dealership and financial institutions involved pursuant to The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I discovered again 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 items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction with the inaccurate and damaging information contained in my credit report. A recent investigation has revealed numerous unverifiable, invalidated, inaccurate, and questionable items that your agency has failed to ensure are reported accurately. 

This negligent reporting has caused severe distress and XXXX, as I rely on my credit report for financial stability and opportunities. It is unacceptable that your agency has neglected its duty to ensure that all information reported is 100 % accurate, as mandated by the Fair Credit Reporting Act. 

Furthermore, it has come to my attention that the accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which stipulate the requirement for 100 % accurate reporting. This blatant disregard for federal regulations can not be tolerated. 

Attached are copies of all previous correspondence sent to your agency regarding these inaccuracies. I demand that immediate action be taken to correct these errors and ensure that my credit report is accurately and fairly represented. 

Failure to comply with this demand will result in further legal action, including but not limited to, filing complaints with regulatory authorities and pursuing civil remedies. 

I expect a prompt response to this matter.
Product: Vehicle loan or lease

I took out an auto loan in XX/XX/2019 with a high APR of 25.51 %. With only one late payment and 3 extensions, my account shows that I've only paid off {$600.00} of my financed amount of {$16000.00}. I called the company to explain the breakdown and requested my original contract, but they disconnected the line. She did try to explain before the disconnection that it depends on when I pay it every month? I've paid every month on time, but one. Is this legal?
Product: Debt collection

A few years ago someone used my Paypal account to purchase some XXXX products totalling around {$2500.00}. I immediately requested a chargeback from my bank, which was successful. I then enabled 2FA on my Paypal account and disconnected my bank account from it, and I thought it was taken care of. A few months ago a debt collector contacted my by phone and email claiming I owed several hundred dollars on a Paypal debt. There should never have been a debt because the money didn't transfer. Also, I was never even contacted by Paypal about a debt owed. I have since reopened that Paypal account and use it occasionally, and have never gotten any debt notifications. 

This is being reported on my credit as a debt owed and I'm not sure why or how I can remove it. It is being reported on my credit as a debt of {$640.00}, but their collection email said it was {$220.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$83.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX  ; XXXX/XXXXXXXX XXXX XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Citizens Bank took over the account I had at XXXX  for years and they started bilking it for fees without my knowledge or permission. I had an account with XXXX  for years that was mostly inactive. There was {$2700.00} in the account for years and the balance didn't move. I barely looked at the account and just held money there. XXXX  sold their deposits to Citizens Bank in XX/XX/2022. Since then, in 14 months, my account has been charged {$130.00} in fees. I noticed an email telling me I was going to be charged {$30.00} in overdraft protection fees, so I looked at the account and noticed the lower balance. I contacted Citizens and demanded a refund and asked to close the account and mail me a check. They told me they couldn't close the account unless I had a XXXX balance and they couldn't mail me a check for my balance. They told me the max " rebate '' they could give me was {$35.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my creditreport, but there are still some items that need to be fixed. The 3 Credit Bureaus must verifythese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that thesedisputed items will be fixed as soon as possible XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Debt collection

There is a company called  XXXX   XXXX   XXXX   XXXX  ... a foreign  XXXX . They have come into our state buying defaulted mortgage debt without a license by the Department of Consumer Affairs and they are using the courts of this state to collect these debts without a license. They present themselves as " Lenders '' without a lender 's license ... they are in our state 's Supreme Court a nd federal co urts filing illegal foreclosure actions because they buy these debts in default without a debt collection agency license ... they are in cahoots with another company called   XXXX   XXXX   or  Jem Cap ... .. the people of this state do not know or are not well informed of legal and / or lilegal debt collection practices and the laws of this state which protect us. A complaint has been filed with the Department of Consumer Affairs and this company has not responded as of yet ... the DCA can not enforce a response but your agency can ... if not maybe you can forward this complaint to the FTC ... they are running amok i n our State against our citizens, under the radar.
Product: Credit reporting or other personal consumer reports

I called all 3 credit bureaus and spoke with a agent, gave them my Mississippi XXXX I.D # and my new address over 98 days ago, I was denied a credit because they said I have too many phone numbers and addresses and my score was a XXXX. Why won't TRANSUNION do the right thing, no one wants to enforce anything, all these consumer laws and you federal people refuse to help monitor these 3 credit bureaus. I just don't understand, I have requested credit reports from all 3 bureaus so that I could check my report for in accuracies i'm still using a report sent to me at the beginning of last year 2023. I am on social security XXXX, and I find that this type reporting is un professional. I'm starting to believe you federal people. 
I will be seeking a lawyer, I have proof beyond measure. I have 3 collection companies I never step in there business, don't know why they on my report, never did business with them. I address the issue over the phone still no changes
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has an account on my report showing missed payments from a XXXX 's account. I call XXXX and they say they have nothing under my SSN so they can not help. Equifax says XXXX 's is reporting the account as mine but can not tell me how they are confirming this ( THIS is the crux of the issue... how can a reporting company like Equifax ruin a consumers credit with ZERO evidence? ) XXXX is making a mistake but can not figure out how to correct it because no accounts are tied to me or my SSN so they can not look anything up. Equifax says they need a letter from XXXX who can not provide a letter because they have no account in my name or under my SSN? So this bogus missed payments account is hurting my score and ability to refinance and there's nothing I can Do?! The credit agencies wield GREAT power yet have zero accountability, have proven to have insufficient security, and put people 's financial lives at risk, and report bogus items to innocent people 's reports which financially harms them, they extort people to pay fees to them ... and they need NO evidence, just a missed keystroke or the word of a desk jockey a half a world away to say a payment is late but they do not require an account number, any type of application verification to prove the person applied or agreed to an account, NOTHING< just the words of a stranger working at a XXXX XXXX ... no evidence, no proof, nothing... and then I have no way to argue it because I am guilty until I prove myself innocent which I can not do because nobody have any information for me to verify who this bogus account actually belongs to... but it can stay on my report and harm me?! Makes perfect sense.
Product: Debt collection

On XXXX of XXXX, I have XXXX XXXX, I keep the service 2 days, so I cancelled it due to XXXX XXXX  not having my desire channels. XXXX charged me for a month, I complained about them not honoring there 14 day policy of not paying if canceled within that time so they told me I didnt owe nothing. On XX/XX/XXXX I received a credit alert from the credit bureaus that a collection agency named SEQUIUM ASSET SOLUTIONS placed a collection amount of {$44.00} on my XXXX, XXXX and XXXX. I havent received any kind of correspondence, no mail or phone calls and it was just placed on my credit breaking laws pre the debt collection laws and Fair Credit Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately 1. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation. 
XXXX Account XXXX : XXXX Delete account for failure to perform an investigation per fcra regulation 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX Delete account for failure to perform an investigation per fcra regulation 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents to FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX Balance : {$960.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$180.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXXXXXX XXXX Balance : {$500.00} XXXXXXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> there was an account opened ; according to my TransUnion credit report. I have contacted both TransUnion and the creditor ( XXXX XXXX  ). No one has been able to help remove this unauthorized inquiry from my credit report. This inquiry is harming my ability to obtain new credit. Furthermore, I requested and put a security freeze on my credit report, as well as a fraud alert. An FTC complaint was also made. 

Note : The creditor does not have any of my information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant XXXX. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the account XXXX XXXX XXXX  XXXX with Experian for several attempts, to no avail. The account should not be reported on a credit report since this is not mine, I never sign up for this account..Worst, the credit bureaus wont provide proof of the account..CFPB please step up and remove the account
Product: Mortgage

Hello, I changed Homeowner insurance companies in XXXX, 2015. My insurance company ( XXXX ) and I both called the insurance company on a conference call to inform my mortgage company ( Statebridge Company, LLC ) about the change. The person took the information and changed it in the computer as XXXX gave them the updated information. I received a letter in XXXX, 2015 from the previous insurance company stating they received a check, however the policy had been canceled and the check was being returned to Statebridge. Both XXXX and myself have made several calls to Statebridge and XXXX XXXX XXXX. Apparently Statebridge contract out their insurance service to XXXX XXXX XXXX. I called XXXX XXXX XXXX. on Tuesday, XXXX XXXX, 2015 and was told I had to fax over the cancellation later from the previous insurance company. As of today is XXXX XXXX, 2015, I do not have any homeowner 's insurance on my home. I also received a letter from Statebridge on Monday, XXXX XXXX, 2015, stating that Statebridge was going to do force placement insurance on my home. They have all my insurance information, therefore why would they send me a letter stating I do n't have insurance? This entire situation has taken a toll on me and I am very frustrated with the lack of communication between Statebridge Company, LLC and the XXXX XXXX XXXX. company they have contracted to send out their insurance payments.