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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX  XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX XXXX XXXX XXXX {$XXXX} XXXX XXXX XXXX XXXX XXXX Balance {XXXX} XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX  XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX XXXX Balance {XXXX}, XXXX XXXX  XXXX Balance {XXXX}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights under USC 1681 Sec 602 States i have the right to privacy 15 USC 1681 Sec 604 a2 It also states a consumers report agency can not furnish an account without my written instructions. Under 15USC 's 1664b a creditor may not treat a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status.

Thank you
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I Have the right to privacy.

15 USC 1681 Section 604 A Section 2 It also States a consumer reporting agency can not furnish a account without my written instruction 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Equifax Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX : {$2600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have been a victim of fraudulent accounts and inaccurate reporting. 
XXXX XXXX XXXX continues to falsely and inaccurately report negative items to my credit report. I have no contract with them, they have never provided me any service, they have never provided me any product and I don't know who they are. I have made several attempts to contact them they failed to disclose an agreement exist or reply. 

I wrote to them on XX/XX/2022 and sent a follow-up correspondence XX/XX/2022 and another one XX/XX/2022 and still have not heard anything. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting. 

IN REGARDS TO XXXX XXXX XXXX under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
XXXX XXXX XXXX  never had any instructions from me. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report. 
I never authorized XXXX XXXX XXXX to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported By XXXX XXXX XXXX 


I NEED THIS ACCOUNT DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$79.00} XXXX XXXX Balance : {$170.00} XXXX  XXXX Balance : {$91.00} XXXX XXXX Balance : {$51.00} XXXX XXXXXXXX Balance : {$76.00} XXXX XXXXXXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX AV XXXX XXXX XXXX CA XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I made a purchase at the Best Buy location in XXXX, XXXX. The store address is XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I walked in, asked to purchase a pair of XXXX XXXX XXXX XXXX XXXX. The female associate asked for my phone number and I gave it to her. She then confirmed my name and told me the total. I inserted my bank issued credit card and left the store. Afterward, I received an email from XXXX XXXX saying there was a hard inquiry from Best Buy and their issuer, Citibank XXXX. I noticed the inquiry in my dashboard, and also saw that my score for XXXX had dropped XXXX points. First, BestBuy was contacted and instead of being helped, the call was left on hold for 30-40 minutes. I proceeded by calling CitiBank, and they said I have to contact the Best Buy Credit Card number. I then contacted the number they gave me and requested for them to contact the bureaus to say that it was fraudulent. I was then told to contact the bureaus directly, and was given their phone numbers. I proceeded to contact XXXX, and was unable to get in touch with anyone and their automated system does not allow reports of disputes. I also tried to go online to report and was told that I am unable to do so online after creating an account. I am trying to resolve this but I am being given the run around for something that should have never happened - I was never asked at any point if I was interested in applying for a card, I was never told I was denied, and I'm appalled that one of the biggest electronics retailers is allowing their associates to conduct fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

the negative account on my credit profile are fraudulent and i submitted the social security as proof.
Product: Money transfer, virtual currency, or money service

Subject : Urgent : Unresolved ACH Transfer Return - Account # XXXX - CFPB Case # XXXX Dear America First Credit Union , I am writing to request your immediate assistance in resolving an unresolved ACH transfer return. On XX/XX/year>, I initiated a transfer of {$2500.00} from my XXXX XXXX account to my America First Credit Union account ( # XXXX ). This account has since been closed. 

America First Credit Union informed me that the funds were returned to XXXX XXXX on XX/XX/year>, and provided the following trace numbers : Received Trace Number : XXXX Return Trace Number : XXXX However, XXXX XXXX has confirmed that the return trace number provided is invalid and that they have not received the returned funds. XXXX XXXX requires the following information to investigate this issue further : A printout from America First Credit Union showing the returned ACH transaction. This printout must include a valid trace number, the return reason, and the receiving account 's ABA routing and account number. 
I have requested this information from America First Credit Union and was denied access to the ACH department. 

This issue has been ongoing since XX/XX/year>, and I am requesting your immediate assistance in obtaining the necessary information from America First Credit Union to resolve this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have over {$2000.00} a month I am currently supposed to pay in student loans. I am in the income based repayment plan for my federal loans, but my private loans have not been able to work with me XXXX XXXX and Wells Fargo XXXX. I have already files a complaint with XXXX seeing as I have tried everything and am now forced to pay them every month, leaving me unable to make other payments to survive. However, Wells Fargo does have a income based repayment plan, which I was very excited to be a part of. However, after I sent them everything they needed to see if I qualified they told me that " even if we reduce your payment to {$1.00} a month, you still would n't be able to afford it ''. Therefore, they did nothing and I am required to pay near {$700.00} a month to them. I have tried offering to pay $ XXXX/loan a month, but they will not take it and say it will still charge off. I am left helpless, hopeless and unable to function. I am begging for help. I desire to pay my loans, as I am the one who took them out, but I ca n't survive this way.
Product: Mortgage

My loan was sent to underwriting several times and they waited to the last minute to catch that XXXX  was a community state In XXXX I received an call from an inquiry to apply for an FHA mortgage. I spoke with XXXX XXXX. 

I explained to XXXX my situation and income. My income is ssdi, ssdi family allowance for my children, spousal support, and child support. My documents has not changed during the entire time. When I explained to XXXX the ssdi family allowance. She told me that fine, we may just have to research it together and show the underwriters but we will cross that bridge when we get there. 

XXXX also expressed her concern regarding my income and situation and told me that she wanted to submit my file to underwriting to make sure we know exactly what they would accept and what they need in order to approve the income documents prior to sending me an pre approval to shop for a home. 

I was confident in what she was telling me and it made sense. I knew my income was not traditional so I was happy to know that when I actually get an pre approval that we wouldn't have problems with that part. 

I went through underwriting 3 times prior to getting a pre approval letter. 


Facts : they knew I was still legally married and not divorced from day one. 

Fact : they knew I was looking to move to XXXX  and was selling my place in XXXX  Facts : they knew my XXXX income and that one of my dependents will be turning XXXX in less than 3 years. 

These things didn't change! 

XXXX goes by still working out the kinks and but no issues or questions concerning the documents I sent. My credit has to be pulled again. I'm still being sold on the fact that underwriting is reviewing the income documents and credit. I had to remove disputes of my credit. I had no conversation with XXXX XXXX but was speaking to XXXX. 

XXXX I resolved the credit issues and now underwriting has revied my documents and sent me new conditions. I thought all was good. I started looking at homes with my pre approval and new conditions. 

Fact : they knew from the XXXX I was not legally separated. 

Fact : they knew from XXXX that I was moving to XXXX  a community property state. 

Issues : they didn't mention the my spouse debt having to be included in mine. Had they done this in the beginning I wouldn't have been able to move forward. 

His debt increased my debt to income ratio and place me in an unqualifing state. 

I asked several times if they were going to deny me to send me a letter so that I can at least recover my earnest money deposit. 

When I finally receive an email for my letter and logged on I noticed the reason stated was customer withdrawal. 

Not only did they drop the ball, give me the run around, but had intentionally jeopardize my opportunity to receive my earnest money. Making it look as if I withdrew my loan instead of a denial due to the real reasons. My dti and or income because my spouse debt had to be added to the loan. Please see attached screenshot from XXXX XXXX basically stating to me that they couldn't do the loan. This was also unethical of XXXX to deliberately change the reason for the withdrawal.
Product: Debt collection

I am writing to address a concerning matter regarding my previous auto insurance policy with XXXX. The monthly balance of {$120.00} for the period from XX/XX/XXXX through XX/XX/XXXX was settled in full on XX/XX/XXXX, well before the cancellation date of XX/XX/XXXX, as per the terms of the original policy. 

However, following this settlement, XXXX made an unauthorized withdrawal of an additional {$290.00} from my account on XX/XX/XXXX, leading me to promptly cancel the policy. This amount was fortunately reversed on XX/XX/XXXX. Upon querying XXXX regarding the reasons for these charges, they cited an untypical circumstance : a change of address from California to Arizona in early XX/XX/XXXX, which is typically associated with lower rates. 

Despite the lack of resolution to this issue, XXXX attempted to collect a remaining balance of {$53.00}. Moreover, on XX/XX/XXXX, XXXX inexplicably reversed {$240.00} from my account, despite their initial claim of a {$53.00} remaining balance. To compound matters, XXXX subsequently sent this disputed {$53.00} balance to collections and reported it to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I sent Experian a letter disputing the validity of the Bankruptcy ( XXXX XXXX Reference # XXXX ) they are reporting on my credit report. They responded with a letter stating they have verified this information with the source and it is valid and accurate. I went directly to the court showing on my credit report concerning this Bankruptcy. I informed ( Experian ) if they cant reveal how they truly verified this item then it needed to be deleted according to the FCRA. They have once again refused to delete this item which is affecting my ability to purchase a home and causing me to pay thousands more in interest every year. This item needs to be deleted from my credit report if it cant be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple inquiries & an account from XXXX XXXX XXXX on my Report I do not recognize
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX, account number XXXX, has violated my rights. 

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 an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 item 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 furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name : XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX is reporting me and my husband as late and delinquent in payment. XXXX and the credit report agencies have been give notice that the services they sold us were under fraudulent terms and they could not report it on our credit by XXXX XXXX XXXX since XXXX. 

The amount is {$12.00}, XXXX on XX/XX/XXXX and filed the legal forms in XX/XX/XXXX.
Product: Debt collection

AMEX XXXX There were several points in time over two years I considered harming myself over the behavior of this company. They pay off criminals, they don't care at all. 

Nothing will work. They want your money and nothing else. Every single department is a joke. 

They will not help you no matter what evidence you provide them. Their entire goal is to gather information to support their position, don't bother talking to them if you get scammed. Don't provide them any information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of these agencies have refused to resolve dispute matters I sent in several reporting letters to both Transunion and XXXX  TransUnion has never sent any formal response back to my disputes and XXXX   sent a letter asking for an address update and so forth like that which I provided to them over a month and a half ago and I still haven't got any remarks comments or anything back from them TransUnion has consistently allowed people to and really both credit reporting agencies allowed organizations to create multiple reporting accounts of the same account on my records so the same creditor appears more than once on my credit report often just recently they are starting to clear some of that up but the fact that it was done even once for even one month was detrimental to my credit Health showing that I had more negative accounts than I actually did furthermore and trying to dispute these matters the remarks from TransUnion on there profile says such comments as consumer disputes account but it meets the fcra requirements so I would like to know what fcra requirements allows you to fall asleep Bill and report an account that is not an accurate balance or number of accounts in my name furthermore there are several companies that I have already been making payments to that have refused to update the balance on my credit reports that should reflect that my balance is actually being paid down and paid off but they're still reporting on the matters every month so the account balances are not accurate at all either trying to dispute matters with the companies directly with XXXX and Transunion has been extremely unsuccessful most of the time they don't even send me mail when I call in it's even a further of an issue the most XXXX personally has done has mailed me the copies of my credit report as I've been declined for other business services but other than that they have done nothing to investigate resolve or dispute matters these agencies that seem to have no regulation sitting here letting people put multiple accounts in my name with derogatory comments and which it is being detrimental to my credit health and they're not doing a darn thing about it this is crazy this is my final attempt to get both of these agencies to process the disputes and to check the account balances and so forth before I just go ahead and hire an attorney and sue them for Consumer Fraud for having allowed such activities to go on I have several letters I have mail to both of these companies even sent certified and they still haven't replied to and this is been going on for years and I'm sick of it I'll go to court and get fee waivers because I only receive Social Security and will be in court for years if they want to keep playing games I'm sick of this I really am I don't care if you guys don't like the terminology I'm using or not if you have my time to waste four years with fraudulent credit reporting that I can go back and forth and small claims court all year long as well