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

I am interested in processing disputes for all inaccurate information on my credit report with Transunion. review all the data and remove the information needed to correct my credit report asap.
Product: Debt collection

I am in the process of purchasing a home and when the lender pulled my credit this collection appeared with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX appeared on my credit. There is NO MONEY OWED to this company. The lease expired and at no point was there any type of noticed received that money was owed at the time of move out. Once I was made aware of this I paid them even though I did not agree with what they were charging I still tried to do the right thing and pay it once I was finally made aware which by the way was 6 months later. This was actually some time ago and yet they report it on my credit file and showing that there is a balance due. THIS IS WRONG..
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXX & they told me I've never missed a payment, yet the 3 Credit Bureaus refuses to remove me from being listed as 30 and 90 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do the 3 Credit Bureaus 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I requested my free annual report from Equifax, this is my fist request ever, on the Annual Credit Report web site. Filled in all required personnel information as requested. Equifax then requested my email and mobile phone number, which I gave for them to send me a security text message. I responded with the 6 verification code. After a few moments my screen reloaded stating " just a moment '' but nothing happened, no text appeared, no report, nothing. I then returned to the " request a report '' screen reentered requested data following the steps that I previously did. A message for Equifax stated that I already received my annual report but I did not receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX ATTENTION : Consumer Financial Protection Bureau ( CFPB ) RE : XXXX XXXX Account # XXXX RE : INVESTIGATION RESULT DATED XXXX ATTACHED. 

Dear Sir / Madam, This is to inform you that according to the information in the attached investigation result provided by the furnisher regarding my last dispute, the investigation result indicated that the date of first delinquency is XX/XX/XXXX since the last date the account was current was XX/XX/XXXX which says ( XXXX ). PLEASE SEE HIGHLIGHTED DATES IN THE INVESTIGATION RESULT ATTACHED. The Highlighted items indicated the date the account was last current as well as the date of first delinquency. 

According to FCRA, any delinquent account must be deleted seven years from the first missed payment and that date according to the highlighted attached document as XX/XX/XXXX. Be informed that seven years from the date of first delinquency which is XX/XX/XXXX according to the highlighted in the attached evidence is XX/XX/XXXX. 

Note : Reporting delinquent account more than seven years or trying to re-age an account is a violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

15 USC 1681c ( a ) ( 4 ) REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS. 
( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS. 
Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Accounts placed for collection or changed to profit and loss which antedate the report by more than seven years. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX
Product: Debt collection

On XX/XX/2015 XXXX XXXX XXXX collected a debt that occurred with XXXX XXXX XXXX. I contacted XXXX XXXX XXXX via phone to ask for the negative collection statement to be removed as it has been 3 years since the event occurred, but they informed me that I would have to contact XXXX XXXX XXXX to remove it. Once I contacted XXXX XXXX XXXX, they informed me that they could not locate the account information or show any record of me being in their system or being in debt with them at any point in history. I would sincerely appreciate any assistance or guidance on what I should do to get this removed from my credit report. 

As shown on credit report : Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account for a Line of credit with XXXX XXXX XXXX XXXX was paid in full. A letter was sent FROM the original creditor to the credit reporting agencies XXXX  & Equifax to update and reflect the payoff. They have refused to update the information correctly multiple times and they are still reporting negative information on the credit reports. This is continuing to damage my credit file and action needs to be taken immediately. The LOC account with XXXX currently shows a balance of {$490.00} and the balance should show {$0.00}. PAID IN FULL!!!! Please look into this matter immediately as this has been an ongoing issue.
Product: Mortgage

Consumer Finance Complaint On XXXX XXXX, XXXX my husband, my brother and I closed escrow on a home purchase. The initial loan had all of our names on it but when it sold the new lender dropped my brother 's name from the loan. It was n't until XXXX XXXX when he ran his credit did he notice the home loan was not on his report. I started the first of many unsuccessful attempts to reach someone from Nationstar Mortgage who could help in XXXX XXXX. 
The first experience was speaking with a customer service rep who noted my concern and said I 'd have a written response in two weeks. The response I received was a letter explaining our loan was not assumable. 
The second experience was with a representative contacting me from Nationstar 's social media department after I gave them a bad rating. XXXX XXXX asked me to send the original settlement statement, which I did. He was going to forward it to another department and I never heard another thing, neither did he respond to my follow up inquiry in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I arrived in America from the XXXX last year. In the XXXX my credit score with Experian is XXXX. Nearly perfect. Financial institutions here in the USA are asking Experian for my credit status and are receiving a poor report from Experian who are clearly not using the data from the XXXX that they furnish to companies there. 
This is discriminatory, unfair and unreasonable. 
I have tried to contact Experian online but their site is not allowing me to upload documents. Their telephone help lines keep you on hold then redirect you to an answering service that asks you to enter identifying data then tells you you will be contacted the next day. 
No provision is made for online chat or email communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my Equifax report and provided this information over to the reps, and managers at Equifax over the phone. I mentioned to them how I was aware that according to the FCRA, legally these unverified & unauthorized items MUST be removed but instead they said they DO NOT and WILL NOT remove any inquiries and gave no reason as to why. The other two bureaus investigated and removed the unauthorized inquiries yet Equifax still refuses to do anything about this. I am in the process of applying for home loans and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
List your inquiries desired to be deleted 1. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. It is a reason of identity theft. XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. It is a reason of identity theft. 
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. It is a reason of identity theft. XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. It is a reason of identity theft. 
Account Number : XXXX Please remove it from my credit report. 
8. It is a reason of identity theft. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. 
Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

For the past XXXX years, I have reported to XXXX, XXXX, and Equifax on multiple occasions that someone has stolen my identity. I have contacted creditors about this and have gone as far as getting a police report. I asked all three credit bureaus for proof of authorization on these accounts and inquiries yet, but they will not remove the accounts or inquiries. I have shown proof that XXXX has reported that my information is on the dark web and being used, plus I have multiple letters from different agencies that my information has been leaked due to data breaches of their companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted proper documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit. They are not responding. This is impacting my score and life.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. I Please remove the following items from my credit report, immediately : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Letter and documentation attached. 

1st Complaint XXXX Aargon 's response dated XX/XX/XXXX did not provide any proof or description of method of notififying me in violation of Section 809 of Fair Debt Collection Practice Act. In addition, their alleged debt validation dated XX/XX/XXXX is not valid and in violation of Section 809 of the Fair Debt Collections Act as detailed in my letter to them. 

Aargon continues to knowingly violate the law in their unethical practices by writing vague/non descriptive responses to obfuscate the truth.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was involved in a motor vehicle accident in 2012. My relatives PIP insurance did n't cover my medical bills nor my lawyer. Now they left me with a debt that is not mine. The medical bill from XXXX medical center XXXX. I am already paying a debt from the audit-adjustment company right now. I have XXXX to pay still. I need help and someone needs responsibility its not me. I want you to take this amount XXXX off my report. I believe that people need to take care of debts not put me in a situation that makes me feel guilty here. No body has contact me ever since they just want money from me. I am speaking honest here no one should go thru something like this. So please resolve this. I will no longer take responsibility. Someone needs to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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: Debt collection

This is a debt from XXXX  XXXX its been in their office since XXXX. I wasnt even calling about that didnt even know it was in their office that long until now. I was referring to a different account that I paid in full since XXXX. I got an email about the credit card account being locked when I havent used that company since XXXX. I called today and told the agent to stop all contact about the debt because it pass the law limit to get sued or even to collect. I want them to stop sending me anything about it. They already charged it off and its not on my credit. Im not paying on something thats been in debt that long when I wont be able to get the credit card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EQUIFAX : Please be advised that you are reporting the wrong addresses information on my credit report. Please delete or remove old or unknown addresses to me, any help you can give me with updating this information as soon as possible would be greatly appreciated. 

My current address is : XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX Please remove the following address ( es ) from my report as they do not belong to me and are being reported in error : Wrong Address : ( 1. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX AND ( 3. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 4. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 6. ) XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 7. ) XXXX XXXX XXXX   XXXX XXXX, WA XXXX ( 8. ) XXXX XXXX XXXX XXXX XXXX, WA XXXX ( 9. ) XXXX XXXX XXXX XXXX   XXXX, WA XXXX. 

I will await an updated copy of my credit FILE to reflect these changes. Thanking you in advance. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint to CITICARDS CBNA for allowing inaccurate information and fraudulent accounts on my credit report. As I checked my recent credit report, the inaccurate information and fraudulent account still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX.
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXXXXXX. I deposited the check into my checking account ( XXXX XXXX XXXXXXXX ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. XXXX XXXX XXXXXXXX ended up closing my account and asked me to pay a closing fee. I payed the fee to XXXX XXXX  XXXX which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and Early Warnings.
Product: Credit card or prepaid card

I was recently employed with XXXX XXXX  ( http :  XXXX ). I selected that my pay be direct deposited to my own bank account. For the final pay check, they insisted that I be payed by pay card against my will. I expressed concern to my manager, but was told that Nevada state law demanded that our last pay be conveyed by pay card. This may not be correct. For starters, when pay cards are issued, the pay is not placed into the ownership of the person who earned it. Instead it is placed under the control of a bank that the employee has no business relationship with. Funds can only be withdrawn under their conditions and with their fees. I did not consent to this. Additionally, I have no idea of how much money is on my paycard unless I download an app with supposedly allows me to view my balance. Not possessing an internet capable phone, this is impossible. I need to know this information regardless. This card is called " Wisely '' by ADP. 
Wisely ( XXXX ) XXXX ADP Sales XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I was asked to obtain a money order as a deposit to rent property. I obtained the money order in the requested amount from XXXX and submitted to the real estate agent for XXXXXXXX XXXX XXXX. I wrote " XXXX XXXX XXXX '' on the money order. Thereafter, the lease fell through. The agent returned the money order. I have since taken it to my local bank, spoken to my on-line bank and the XXXX at the same location of purchase. I have the money order and the receipt in my possession, and the payee is in my handwriting. 

XXXX advised that vendors are not permitted to accept returned money orders. They referred me to the Western Union website and the XXXX telephone number. The number is a recorded line and there is no option for an agent. 

Basically, I have {$500.00} tied up in a worthless piece of paper, and I want my money back now. Western Union voice recording requests {$15.00} to be paid in advance to them to " refund '' a money order. That is akin to a stop payment on a check, but I have possession of the money order. The {$15.00} fee was never discussed prior to obtaining the money order, nor was the length of time to obtain a return of my funds. 

How can I get my money back without further expense or additional time?
Product: Debt collection

My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX  ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Equifax, XXXX received a copy of my credit report and I have found the following item listed below to be in error. As I do know my consumer report and will take legal action if not corrected Pursuant to 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 any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
I NEVER gave You, Equifax XXXX XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Equifax has caused severe stress and anxiety due to the abusive and unfair practices. 
You, Equifax, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX XXXX  XXXX ACCOUNT Date : XX/XX/year> I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry on my credit report XXXX XXXX XXXX XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Someone stole my identity and applied for an auto loan in my name with Credit Acceptance Corporation. I have never applied for an auto loan with Credit Acceptance Corporation. The auto loan account with Credit Acceptance Corporation is fraudulent, unauthorized and not mine. I been receiving harassing and threatening phone calls of profane and vulgar language, death threats, threats of legal action, wage garnishment, arrest, jail and prison time from Credit Acceptance Corporation call center debt collection representatives at home and work at XXXX XXXX and XXXX XXXX for a fraudulent account and debt of {$7000.00}, I dont owe. Credit Acceptance Corporation is in violation of The Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor XXXX XXXX XXXX mistakingly reported me as having late payments. I spoke with the creditor and they corrected the issue on their end and submitted the proper information to the credit bureaus. Other credit bureaus have corrected that mistake but EXPERIAN did not for more than 30 days. 

None of my accounts are delinquent but they are showing them that they are.