23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Complaint and dispute against EQUIFAX on the basis of violating my rights as a consumer by reporting on my consumer report an EXCLUSION. A report containing information solely as TRANSACTIONS or EXPERIENCES between the consumer and the person making the report. A complete violation of my rights as a consumer in accordance with 15 US Code 1681a. A line item listed on my consumer file as XXXX XXXX XXXX. 
Your company EQUIFAX is in direct violation of 15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. It is unlawful for EQUIFAX to report my transactions and experiences between me ( XXXX XXXX XXXX the consumer ) and XXXX XXXX. However, XXXX XXXX XXXX ( The Person making the report ) has purchased my charged-off debt from XXXX XXXXXXXX. Therefore, I have no transactions and experiences to be reported to EQUIFAX by XXXX XXXXXXXX XXXX. However, a consumer report has been reported to EQUIFAX and by EQUIFAX on my consumer report. A consumer report by EQUIFAX listing my TRANSACTIONS or EXPERIENCES shall not include a report furnished by XXXX XXXX XXXX even if there is a claim by XXXX XXXX XXXX stating it now owns a copy of my TRANSACTIONS or EXPERIENCES. However, XXXX XXXX XXXX is making a false claim that I ( XXXX XXXX XXXX ) the consumer has had TRANSACTIONS or EXPERIENCES with XXXX XXXX XXXX. There is NO proof of any original document of TRANSACTIONS or EXPERIENCES between me ( the consumer XXXX XXXX XXXX ) and XXXX XXXX XXXX  the person making the report. However, a false claim has been reported on my consumer report but shall not be reported according to15 US CODE 1681a ( 2 ) s-3 Definition ; rules of construction. According to the law as it is written the term consumer report shall not be reported under the law regarding EXCLUSIONS as it is described below. My complaint against EQUIFAX does meet the standard set by 15 US CODE 1681a ( 2 ) s-3 - Definitions ; rules of construction. Therefore, I am demanding that EQUIFAX remove the Consumer file listed as XXXX XXXX XXXX  from my Consumer Report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Shellpoint, the company, had refused to even concede the reporting was incorrect. I had been disputing late charges for the year XXXX since XXXXXXXX XXXX XXXX 

Shellpoint refused to even act for 9 months dating back to my original dispute of XXXX 

Shellpoint provided written documentation, reasserting the erroneous reporting was CORRECT most recently in XXXXXXXX XXXX XXXX 

Shellpoint continues to claim their reporting was accurate, and stating the problem was the result of XXXX incorrectly posting XXXX delinquencies in the year XXXX. 

XXXX adamantly denies this and states they can not, and will not, make the corrections without the appropriate reporting from Shellpoint. 

Shellpoint continues to insist their reporting is accurate, yet 9 months later, four CFPB complaints later, Shellpoint claims to have sent correcting documents to XXXX... 

Today is XX/XX/XXXXXXXX XXXX. I am still showing delinquencies reported by Shellpoint on an account that was PAID IN FULL, four years prior. 

Shellpoint is blatantly lying about their culpability and their lack of response. 

I will continue to generate CFPB compalints until this problem is resolved..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

On my credit bureau it shows XXXX XXXX XXXX XXXX. It has the open date balance, last paid. I had insurance at the time of whatever procedure was done, the balance was {$31.00} if I owed this I would have paid it. I have tried to contact the company and you can not even leave a message. This was on Experian. I am going to dispute it with Experian, but I think that the person who put it on should be able to be contacted.
Product: Credit reporting or other personal consumer reports

I Have a Fruad account appearing on my credit report. 


1. XXXX XXXX XXXX {$7600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased Kia was stolen on XX/XX/XXXX. My car insurance, XXXX, sent a check directly to Kia Finance on XX/XX/XXXX for a Total Loss Buyout. Because the car was a lease, the check went directly from XXXX car insurance to Kia Finance. 
On XX/XX/XXXX Kia Finance deposited the full Total Loss Buyout in the amount of {$22000.00}.

Kia Finance has told me they refuse to close the account due to technical error and refuse to fix the false reporting. They told me I need to wait for my credit to be fixed until they resolve their " Technical error ''. 

I have spent hours and hours and hours on the phone trying to resolve this over the past year, but it is the same answer every time. We have tried closing the account, but are unable to do so, due to technical error. 

Kia Finance has been paid in full and the current amount due is {$0.00}.

I have tried disputing this on my own but Kia refuses to verify with the credit reporting agencies that the account has been satisfied.
Product: Money transfer, virtual currency, or money service

Reff : Complaint # XXXX I spoke with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and they informed me that they were having a hard time trying to contact B of A to resolve the issue at hand. I also tried to contact B of A and have not heard a word from them. 
How do we ( XXXX XXXX and I ) get the attention of B of A? What are they trying to hide? 
I told B of A that I wanted the wire transfer returned to XXXX XXXX where it originated. 

It has been 30 days since the transfer took place and I am running out of patience and resources to get this resolved!
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$2600.00}
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give you written consent to furnish my consumer report to my local child support agency. This is illegal to communicate according to 15 usc 1681b. Show me the proof i gave you my written consent as i have never given any court or a consumer reporting agency to communicate amongst each other regarding my consumer report. This is identity theft by you doing so and i am demanding deletion as a consumer and natural person because my rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/22 I sent Experian a letter for information they are reporting inaccurately. They have yet to respond or correct the inaccurate information The payment status is reporting " Current Was Past Due 60 Days '' This is an FCRA Violation, and this needs to be corrected to the CURRENT status of " Paid/Paid as agrees " Ive included the original certified letter as well as my credit report with errors highlighted
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX XXXX helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted. Company information is Transunion. Please delete the following accounts : XXXXXXXX XXXX XXXX  XXXX : {$910.00} XXXX  XXXX XXXX  : {$430.00} XXXX XXXX XXXX  : {$680.00} XXXX XXXX XXXX  : {$1100.00} XXXX  XXXX : {$3600.00} XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Multiple Dispute Letters sent XX/XX/2022 to XX/XX/2022 Last Response From Acima Received XXXX/XXXX/202 By law I XXXX XXXX the consumer, sent XXXX notices to XXXX by mail about the inaccuracy of the accounts below. XXXX was given the opportunity to correct and produce all general disclosures required by law XXXX. In response XXXX responded to correct errors on the account, however Acima has failed to provide any disclosures 15 U.S. Code 1638. Disclosures are in fact a part of the accuracy of each account. Acima policy to report the consumers non public information is only applicable if all the disclosure requirements have been met by law. XXXX has reported my non public information to non affliated thrid parties without consumers consent 15 USC 6802. Acima failed to comply with requirements of the laws above that fall under Contract Law, State Law, Federal Trade Commission, and Consumer Financial Protection Bureau. 

ACCOUNTS : XXXX Alleged Balance {$770.00} 15 months negative reporting Total {$890.00} XXXX Alleged Balance {$800.00} 15 months negative reporting Total {$1100.00}
Product: Money transfer, virtual currency, or money service

PayPal closed my account with the reason that I made the account when I was under XXXX year old. I actually made the account right on the day when I turned XXXX, thus I was able to sign up because one of the requirements for signing up was to enter my birthday and I entered it accurately. 

Because of this, my account is now restricted and I can not send or receive any fund. The only thing I can do is to withdraw my fund. 

However, there's another problem that I encounter which I believe PayPal is doing a very poor job in resolving. 

I made the mistake of entering only my first name and last name during the sign up process, instead of entering my first, middle, and last name. However, in my defense, PayPal only asked for my first and last name. 

My full name ( first, middle, and last name ) is required for me to be able to withdraw my fund to a bank account. I tried to change it three times, but they did not change it at all. I provided my ID, but, until today, my paypal account name is still the same. 

I tried contacting them through the email system but they do not provide any help. They only gave me automated responses. 

My PayPal account is under the email XXXX. Please help me. I worked so hard for the money there.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Student loan

i have a parent plus loan the was taken over by nelnet as of XXXX i have been calling asking for a statement and my balance. I stay on hold for XXXX hours when somebody comes on the state the problem is taken care of and you should receive a statement in the mail. well it XX/XX/2024 and no statement has came. my concern is that they are going to report me as not paying. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road together My credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records.
Product: Money transfer, virtual currency, or money service

I was trying to purchase tickets for a concert from a private buyer. She tried to use a different email first. Said there was problem with the payment going through so I should try to send it to a different email. I sent it to the different email. Both emails ended up being fake and I did not end up receiving the tickets as promised.
Product: Debt collection

This company ( ERC XXXX XXXX XXXX, XXXX FL XXXX ) has threatened my credit rating, by assigning this debt to me without any proof, and no prior notice. This is not my debt. This is just an illegal attempt or scam to see if I would pay it.
Product: Debt collection

I am writing to you due to a big issue that I am going through with Comenity Bank and really need your help. I have been affected enormously in my personal life and have lost a huge opportunity because of this situation. 

I have a XXXX XXXX, recently switched from XXXX XXXX XXXX  and got taken over by Comenity. I was getting mail statements from XXXX XXXX didnt and receive any comenity statement. I was not aware of what was going on with my statements, I was quarantined DUE XXXX and did not receive any NOTIFICATION from none of the companies that I was being switched. 

What I need is to get the late payments reported on XX/XX/2020 and XX/XX/2020 corrected or the entire tradeline removed from my report. 

I didnt know it had switched. Didnt get any notices of late payment insertion, which is a violation under the FCRA. 

Account Info : Account # XXXX Date Opened, XXXX XXXX Account Limit : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I recently pulled my credit report on XXXX XXXX and noticed the Hard Inquires on my Credit Report was not of my doing. Already sent multiple letters out to XXXX, Equifax, and XXXX on the issue but got no responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit freeze on my Experian Account for years. I have had temporary lifts to allow my credit to be run for various things, car loans etc. Now Experian 's website portal to temporarily lift the freeze does not work, Experian contact number never puts you in touch with a live person and the online chat goes for hours and no one ever gets on to help. Based on the other online complaints I see others experience the same issue. By " breaking '' the portal Experian is fraudulently pushing their paid service, I would hope for the protection of the American public you help Experian see the necessity to provide a fully working web portal and actual customer service. 

XXXX Experian Freeze Lift Transaction # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Did what was requested to register for a Freeze on-line. After completing, received notice it did not go through & asked to call. Should have been able to complete on-line - unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the third time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on 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
Product: Debt collection

Man by the name of " XXXX '' continously calls me. I spoke with him once where he tried to get me to settle a debt from a school loan that was through Key Bank NA. He used tactics such as illegally trying to persuade me that he was speaking to Key Bank as he was speaking to me and was making offers which were absolutely bogus. How could he keep getting different settlement prices when he was speaking on the phone to only me? 

This XXXX guy continued to tell me to " go get loan with a co-signer and pay him '' which is not logical. After he saw I was not budging, he continued to try and set up a monthly payment plan which I was not interested in either. 

XXXX also called my parents house phone and spoke to my father. He does not understand the word " no '' and " stop calling ''. He leaves me voicemails stating that " This is a very serious matter '' and " This is a debt that needs to be taken care right away ''. I feel very threatened and annoyed by this man and this companies scam tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$11.00} fraud charge to XXXX, credit limit $ XXXXHad a {$0.00} balance. Only used this card couple times a year. XX/XX/ late fee {$11.00} + {$1.00} interest charge. Balance {$23.00}. I believe it was XX/XX/ when I noticed the fraud. I made no purchases and unfortunately XXXX Bank emails went to my spam. I contacted XXXX and they cleared up the fraud issue. Issued new card. Do to late fees/fraud on my account credit was dropped to {$750.00} and 30 day late was posted to my credit report. XXXX told me the Credit Bureaus would fix this and so. Been a big run around
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan with Affirm for XXXX XXXX was charged off in XX/XX/XXXX. I settled the balance with XXXX ( debt collection agency ) on XX/XX/XXXX. Affirm keeps reporting that the account is still open with a balance when there is no balance and the account is closed. They were able to provide me with a loan verification document but continue to submit inaccurate information to the credit bureaus about the loan payments. Please stop this company from further damaging mine and other peoples credit reports.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security numberXXXX My correct address is : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone got a hold of my social security number and has been trying to get credit cards and loans in my name that I did not authorize it is now on my credit report and as hard inquiries and I need them removed I also need to know how to get Identity theft protection as well as getting a copy of my tenant screening so that I can make sure that everything on that is correct
Product: Checking or savings account

I returned merchandise that I had purchased a few days before to XXXX  department store in XX/XX/XXXXWith the original sales recipient. at that time the money was Immediately credited back to my account. An hour later it was removed from my account. 
I contacted Santander immediately, and several times in an attempt resolve the unauthorized debt from my account. Contacted Santander and XXXX  on a three-way conversation. Ive made many attempts to get my money back. 
this matter needs to be resolved. I did not authorize XXXX  to pull {$120.00}.
Product: Credit reporting

I DID NOT AUTHORIZE THE INQUIRIES FROM FIFTH THIRD BANK OR XXXX THAT ARE NOW ON MY TRANSUNION CREDIT REPORT. I APPLIED FOR AN AUTO LOAN FROM XXXX, AND THEY DID AN INQUIRY WHICH I AUTHORIZED. AT THAT TIME, THEY APPLIED FOR CREDIT IN MY NAME AT THE OTHER INSTITUTIONS. I DID NOT AUTHORIZE THEM TO DO THAT. SIMPLY PUT, THIS IS FRAUD. THE INQUIRY FROM XXXX IS VALID, BUT I WANT THE FRAUDULENT INQUIRIES THAT WERE MADE IN MY NAME REMOVED, AND SANCTIONS AGAINST WHOEVER IS RESPONSIBLE FOR THIS ILLEGAL ACTIVITY. PLEASE RESPOND AS QUICKLY AS YOU ARE ABLE TO, SINCE MY ATTORNEY IS ALSO WAITING ON THE RESULTS OF YOUR INVESTIGATION.