23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I understand the importance of accurate reporting, and I appreciate that credit reporting agencies play a crucial role in maintaining the integrity of credit information. However, it is equally important to consider the context of financial challenges that may arise, especially when these challenges are temporary and do not reflect a refusal to fulfill financial obligations. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I insist that your bureau updates the reporting of the late payment dates to accurately reflect the current status of the account. The reporting should indicate that the account is up-to-date since it has been paid. This correction is vital to ensure the fair and accurate representation of my credit history. While there were lapses in payments due to unforeseen financial circumstances, it is imperative to note that these late payments were eventually rectified and brought up to date. Despite the temporary setbacks, the account has since been paid, and I expect your bureau to accurately reflect this on my credit report. 
XXXX  XXXX XXXXPLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX  XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX PLEASE UPDATE!! I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I trust that you will conduct a thorough investigation into this matter and promptly make the necessary corrections to my credit report in compliance with the Fair Credit Reporting Act ( FCRA ). It is my right as a consumer to have accurate and up-to-date information on my credit report, and I expect your bureau to uphold these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from XXXX, TransUnion, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FILED NUMEROUS DISPUTES WITH XXXX AND EQUIFAX IN REGARDS TO A XXXX  XXXX ACCOUNT ON MY CONSUMER CREDIT REPORT AND ACCORDING TO FCRA SEC 623 ( a ) ( 6 ) these companies are to stop reporting incorrect information on my consumer credit reports tha account that im referencing is a XXXX  XXXX account # XXXX ... This account is suppose to be blocked and removed my my consumer credit report .I was a victim of identity theft and had no knowledge of this acccount ... And yet XXXX and Equifax XXXX to report this account ...
Product: Money transfer, virtual currency, or money service

XXXX would not tell me or if i sent it wrong i would not get my money back
Product: Credit card

A credit card was opened and issued to someone other than me using my information. I have contacted the company on several occasions, and they refuse to send the information that I'm requesting.
Product: Credit reporting or other personal consumer reports

I am filing this report because my personal information has been exposed in a data breach, leading to unauthorized use of my identity and financial harm. I became aware of the breach on when I noticed suspicious activity, such filing unlawful items on my credit report. 
The breach has resulted in, damage to my credit score, unauthorized purchases, harassment by debt collectors for debts that are not mine. I did not authorize these actions or provide consent for any entity to access or use my personal information in this way.

Despite my attempts to resolve these issues directly with the credit reporting agencies and creditors, the inaccuracies and fraudulent activity persist. I have sent dispute letters requesting the deletion of these accounts and erroneous data, but the responses have been inadequate or non-compliant with federal regulations under the Fair Credit Reporting Act ( FCRA ). 

I am deeply concerned about the security of my personal information and the long-term effects of this breach. This situation has caused significant stress, financial harm, and damage to my creditworthiness. I have been denied credit, faced higher interest rates, and spent countless hours trying to rectify the situation. 

I am requesting the assistance of the Federal Trade Commission and the relevant authorities to investigate this breach, ensure compliance with consumer protection laws, and help me restore my financial integrity.
Product: Credit card or prepaid card

XX/XX/22, Caught at issuance with XXXX balance, Bank of America ( BOA ) has issued a credit card to a fraudulent application using my information but changing the address to the bad actors address. A state and address I never lived. Now Bank of America will not correct with out substantial action on my part. I have submitted to all three credit bureaus and filed with FTC. Bank of America are requiring A copy of my social Security card, license, a police report and two forms they provided to be filled and notarized. All in paper form via mail for me to pay for and time which requires me to take off from work. It appears the issuance was effortless and careless of BOA altering my information with the credit bureaus with out verification/ proof. They stated the address reported can not be undone and that is it, yet I have to prove its me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX XXXX  Balance : {$60.00} XXXX XXXXXXXX Balance : {$18000.00}
Product: Payday loan, title loan, personal loan, or advance loan

Needed to change due date, they say I agreed to the XXXX but I dont get paid until XXXX. Contract doesnt remain in email so I have no proof just their word. They called as promised to change the date but only at a {$6.00} increase for 2 days later. Im current and havent missed a payment since I entered this contract. This is already a ridiculous high interest loan that I use when I need immediate cash. I see no reason to penalize me for 2 days as I asked for payment to be moved to the XXXX after they said my payment would change if moved to the XXXX. When will these companies be forced to do reasonable business instead of take advantage of law abiding citizens. Im sick and tired!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

For past few months, all XXXX credit bureaus have been subtracting points and give no reason, other than a generic message for all. I get points deducted for a hard inquiry and then I get more points deducted because I have more inquiries than I did the previous month BECAUSE of that inquiry ... that makes no sense. I pay off loans, leases and CC balances and lose points. Points have just randomly been taken. My wife recently had XXXX points subtracted for 1 hard inquiry and she has new credit... that disgusting. Recently they took XXXX points from her for zero reason, shes an authorized user on 1 of my CC 's which has held a XXXX balance and XXXX points just taken out of nowhere. Stop funding the credit bureaus with our tax dollars, they're in bed with lenders and screwing people over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the letter I sent out, and here is the Tracking # - XXXX According to the FRCA The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts is still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had a refund from a merchant ( XXXX ) for {$180.00} The credit card account that the money went into was a closed account.I called Capital One and they said there was a restriction on that account and wanted me to send a copy of my driver license which I refused to do, the account was closed for that reason they said there was a problem with the account but would not tell me what the problem was so I said just close the account. 
I am out XXXX and Capital One will not do anything for me The last four # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports of late payments were issued to the mortgage account for the year of XXXX - XXXX. Payments made to the company were never more than 30 days late, per credit reporting guidelines reports should only be made on credit reports when payments are made 30 days or later. 

Verbal contact was made to the company 's customer service, regarding reporting. Customer service associate stated the company would not be able to do anything regarding the reporting, due to the report already being sent to the credit bureaus. 

Credit bureaus were contact regarding the reporting, reports were received back and stated that the company did not remove or issue a note regarding the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these fraudulent negative accounts and they are still on my credit. I submitted dispute letters and FTC reports and they still have not been removed. 

XXXX  : XXXXXXXX XXXX XXXX  {$8300.00} XXXX XXXX XXXX Equifax : XXXXXXXX XXXX XXXX {$8300.00} XXXX  : XXXXXXXX XXXX XXXX {$8300.00}
Product: Credit card or prepaid card

I have called citibank to dispute some transactions that I did not authorize. They keep on transferring my calls and will not assist me in this matter. I AM NOT Paying for someone elses fraud.
Product: Credit reporting or other personal consumer reports

There are 3 addresses showing on my credit report. I currently live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not lived at the other addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or XXXX XXXX XXXX XXXXXXXX in over 15-20 years and these addresses need to be removed from my report. In addition there's an account that has been closed for 8 years and still showing on my report XXXX XXXX XXXX. The balance is XXXX and it's paid in full. I would like to have this removed as well. I voluntarily closed my acct ( XXXX XXXX and left it with a XXXX balance. Is it possible for me to have this removed as well?
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Credit Bureau keeps reporting erroneous Public Record on my file. I have disputed this incorrect information and sent Transunion via certified mail the court letter informing that they have not provided Transunion with any public record. I question the validity and who is the provider of this erroneous information and have requested that such record be deleted from my file. They have not replied since XX/XX/2021. USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Transunion received XX/XX/2021 Contacted transunion again today and again they declined to provide information on who is the provider of public record. I informed XXXX that the court does not provide information to transunion and I have provided them with court letter. Transunion declined to inform who is the furnisher/ provider of the public recording they are showing on my credit report so I can question and contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed an unrecognized credit transaction on my personal credit card. The fund that was charged got refunded to my card. The amount was {$9.00}. But my credit score went down by XXXX points. Will you guys please open up an investigation to check why my credit score went down by XXXX points between XXXX and XXXX? I'm never late on any credit and loan payments. Is the credit dispute related to my credit drop? Please restore my credit back to what it was before.
Product: Debt collection

I HAVE CHECKED MY CREDIT REPORT AND DISCOVERED A FRAUDULENT ACCOUNT THAT WAS OPENED UNDER MY NAME : COLLECTION CONSULTANTS OF CA - ACCOUNT NO : XXXX. I AM A VICTIM OF IDENTITY THEFT. SOMEBODY STOLE MY PERSONAL INFORMATION AND GOT AN MEDICAL HELP WITHOUT MY KNOWLEDGE. I HAVE NEVER AUTHORIZED ANYONE TO USE MY PERSONAL IDENTIFICATION INFORMATION FOR ANY REASON. I AM A VICTIM OF FRAUD.
Product: Debt collection

The company XXXX ( XXXX XXXX XXXX )  contacted me repeatedly and my parents repeatedly in a 2 day time period starting on XX/XX/XXXX. The first person to contact me was XXXX XXXX XXXX XXXX XXXX. He left multiple messages on my phone and my parents phone. He claimed he was trying to collect a debt from Citibank from the year XX/XX/XXXX. He said that the last activity on the debt was XX/XX/XXXX and that because the bank put the debt on hold due to the government bailout and now he was coming back to collect the debt. I asked him if he could do that and he said yes and if I didnt pay he was going to report it to all three credit bureaus. I told him I filed chapter XXXX bankruptcy and he said that didnt matter and he was going to do whatever was necessary to collect the debt including garnishing my wages. He said since I have repaired my credit now that when he did report it to all three agencies it would ruin it again. I asked to speak with his supervisor and thats when he let me speak with XXXX XXXX. XXXX XXXX said the same things including ruining my credit, garnishing my wages, said he was happy to call my parents to see if they could pay the debt for me. He said a debt is a debt and they can come and collect at anytime until I die.
Product: Mortgage

SPS is in violation of CA HBOR and RESPA guidelines. At issue is that a short sale package was submitted to SPS on XX/XX/17 and SPS is refusing homeowner 's legal right afforded to him under CAHBOR to avoid foreclosure. 

Lenders and servicers operating in CA are required by law to allow homeowners to avoid foreclosure and SPS is breaking the law by refusing to review homeowner for foreclosure alternative methods. 

Additionally RESPA requires lenders and servicers to acknowledge work out request packages within 5 days of receiving them. By automatically denying that review they are in fact violating RESPA guidelines. 

Lender must comply with the law and allow homeowner to proceed with short sale request and stop acting a foreclosure mill intent on charging fees.
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 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 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.
Product: Mortgage

21st Mortgage aquired my loan from the now defunct XXXX Mortgage. When I fell behind on my mortgage I tried to get assistance from 21st Mortgage to modify my loan. They refused and forced me into bankruptcy. Because me & my wife are on a fixed income I could n't afford to keep up the payments in bankruptcy and my case was dismissed. I learned that XXXX Mortgage was the subject of a multistate class suit brought by the attorneys general of XXXX states where they found that XXXX Mortgage used fraudulent practices and originated predatory loans on poor minorites. After reviewing my loan I was able to determine that Ameriquest/Argent violated the law in the origination of my loan and should not be allowed to foreclose their lien on my property because they viloated the law in the process of securing a lien on my property which should not be enforceable under the law. I need someone to intervene in the foreclosure sale they have scheduled for XXXX XXXX, 2016
Product: Credit card or prepaid card

I was sent a Chase Freedom credit card on XXXX XXXX that I did not apply for. About a week later, on XX/XX/XXXX, I received a call from Chase bank about a recent charge to my account. They stated that the charge was made on XX/XX/XXXX at the amount of {$1200.00}. I immediately alerted the chase bank representative that I did not apply for this card and whoever opened this account was not me. She closed the account and alerted it as fraud. I asked the representative how this person was able to use the card if the card itself was sent to me. She let me know that XXXX XXXX was used to make the purchase, so they did not need the physical card. I was urged to run a credit report to look over all of my information and make sure it is correct. I ran a report on XX/XX/XXXX. Im doing so, I found a phone number associated with my credit that was in fact NOT my phone number and a random one I have never seen. I disputed the phone number on my credit report through the bureau ( XXXX ). I would also like to note that I in fact have a XXXX account, so I am supposed to be alerted every time my SSN is used. When I called them on XX/XX/XXXX to inform them of this fraudulent card issued under my name and information, they did not see any record of it. When asking how this could happen, the XXXX representative told me that I could possibly have been victim of Fictitious Identity Theft where my last 4 SSN were used to create the account but the other 5 numbers couldve been someone elses or random numbers. I am unsure if that is exactly the case but, I was instructed by the representative to this website to file a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ... I C SYSTEM ( Original Creditor : XXXX XXXX ) XXXXXXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have noticed my Equifax score is 50-60 points lower than my other bureaus. I then noticed that XXXX XXXX XXXX XXXX ( XXXX ) is reporting that my first date of major delinquency is reporting asXX/XX/XXXX and is still reporting as open. The account seems to be updating monthly as a new delinquency sinceXX/XX/XXXX This accounts actual first date of delinquency was XX/XX/XXXX and charged off. I disputed this information with Equifax ( see attached dispute ) and received the results as accurate oXX/XX/XXXXI called XXXX onXX/XX/XXXX and spoke to a lady in the dispute department. I very clearly explained my situation and was told it was an error through Equifax and not XXXX. I then called Equifax and was told the opposite and that XXXX verified the dates. I feel XXXX is using a new date of delinquency to negatively impact my credit score. The lower score has impacted me financially as I can not obtain reasonable rates or loans. I would like the negative information deleted immediately. 

Attached are three disputes through Equifax that were returned as verified. There is also an image where XXXX is reporting the first date of major delinquency as XX/XX/XXXX and as open.
Product: Student loan

XXXX approved loans over XXXX XXXX XXXX be forgiven and my loans fall within those guidelines, but I have not received any forgiveness.
Product: Credit card or prepaid card

I have been a with CAPITAL ONE BANK USA N customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.