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

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired, Equifax who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached XXXX XXXX LATE PAYMENT IN 2022. The Remarks. Amount past due {$270.00} XXXX XXXX XXXX  PAYMENT IS INACCURATE 60 days late Original creditor This is making me lose confidence in the banking system due to these violations. I the consumer does not XXXX. Equifax the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, Equifax, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 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

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : UNKNOWN # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent Coinbase Inc. a wire in the amount of {$20000.00} from my business account to my personal account at Coinbase. After a few days the funds were still not in my account. I contacted Coinbase and they stated on XX/XX/XXXX that {$20000.00} would be reversed back due to my personal account name not matching my business. They stated it would take at 7 to 10 business days to process the reversal as of XX/XX/XXXX. 

I followed up well after 10 business days on XX/XX/XXXX, and Coinbase stated that they have a specialist addressing it and will follow up with me as soon as possible. 
I contacted Coinbase on XX/XX/XXXX due to lack of response. 

They still have not responded to me as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiriesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of a collection account listed on my credit report. This is a fraudulent activity and must be DELETED IMMEDIATELY. The account in question is XXXX. I believe this account to be erroneous and request that it be removed from my credit report immediately. I dont know who you are representing because I dont have any business with XXXX XXXX XXXX XXXX you claim you are representing. Upon Pulling my credit report profile, I can not trace this collection to any lender. 
To substantiate the validity of this debt, I request that you provide me with a copy of the purchase agreement or assignment contract between the original creditor and PORTFOLIO RECOV ASSOCIATION. This documentation will help me establish that PORTFOLIO RECOV ASSOCIATION has the legal right to collect this debt. If the collection account can not be substantiated with proper documentation, I expect it to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for XXXX XXXX with XXXX XXXX one time and was approved one time on XX/XX/2022. When I reviewed my Transunion report, it showed three additional inquiries that is inaccurate and should be removed. 

I contacted XXXX XXXX on XX/XX/2022 in regards to the three additional inquiries and they filed a dispute. On XX/XX/2022, I received a letter stating the one inquiry is correct ( which is true ) but they never acknowledged the three additional inquiries that is not correct so it was never removed. 

I contacted Transunion on XX/XX/2022 and XX/XX/2022 and they refused to help without a letter from XXXX XXXX  stating the 3 additional inquiries was reporting inaccurate information. They are requiring a letter from XXXX XXXX even though I explained to Transunion that XXXX XXXX is refusing to resolve the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to rectify this in correct address on my credit report for transunion, XXXX, and XXXX. I attached a copy of my social security card and utility bill showing my address that I have had for several years. This is my final attempt! I have attached the information. XXXX XXXX XXXX XXXX is not my address and never was. My last name is XXXX I called these credit card companies and they have a different person for these credit cards it is not XXXX XXXX. I live in XXXX XXXX! Remove this address immediately from my credit reports! DO NOT SEND ME SOME PRE-MADE LETTER STATING IT IS VERIFIED! XXXX IS A AUTOMATED SYSTEM AND CRAs USE CODES TO VERIFY NOT A LIVE PERSON. THIS IS THE ADDRESS THAT NEED TO BE REMOVED : XXXX XXXX XXXX XXXX, XXXX, OHIO XXXX THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED : 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/XXXX  XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : The following account are unverifiable, inaccurate and reporting them on my credit report is a violation of my rights according to the FCRA. 

1 ) 1 ) XXXX XXXX Account number XXXX XXXX XXXXXXXX XXXX 2 ) ) XXXX XXXX XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account numberXXXX I have tried multiple times to resolve this issue with this credit bureau and they continue to violate my rights. 
I have asked for them to remove the accounts listed above because they can not provide me with any proof bearing my signature making me responsible for these accounts. Therefore, making these accounts unverifiable according to FCRA.
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/XXXX to removethe items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. 
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 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 XXXXXX/XX/XXXX
Product: Debt collection

I was in the process on buying a house when I seen accounts thats was not mines I sent out my dispute letter on XX/XX/
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's my understanding that XXXX and Transunion will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX  Account XXXX
Product: Debt collection

My great granddaughter ( XXXX ) was left on my doorstep. I needed find out if she was immunized or get her immunized to attend child care. The granddaughter was personally covered by Medicaid. The doctor accepted the Medicaid and informed the lab but the lab sent me the bill I sent XXXX the child 's Medicaid account information and they persisted billing me, Eventually turning it over to collection. I sent a letter to the collection agency ( attached ) they did not respond and filed multiple failure to pay with the various credit reporting agencies. I am not responsible for the debt. I have seen medical providers illegally by pass collecting from Medicare and badger the person to get more more money for the service than Medicare will pay. I believe that was what happened here.
Product: Checking or savings account

On XX/XX/16 several transactions were displayed with wrong payee information such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Reported out to Wells Fargo. 
They stopped payments however it was a technical issue on their end and still stopped. 
Payments looked paid and then Disappeared Payment was wrong Multiple calls to correct and still an issue in XXXX. I made a payment in XXXX and they stopped it again Ive asked to start payments Payments will show as paid and then disappear Its causing issues with car payments and electric being charged fees etc and need to be reimbursed
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and it shows that I have a car loan, and that I have also a home, I am just XXXX years old. I need to report this issue in addition i want to buy a home and I will not be able to buy a car. 
In addition, I am unable to get my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Transunion to let them know that XXXX on my account are not showing accurate information I let them know that it should not be showing a late payment. The creditor sent them information to have it removed and they still haven't removed or updated the information Transunion states they are not receiving documents even thorough it was sent out twice Account : XXXX
Product: Mortgage

We contacted AAG mortgage company in hopes of obtaining a Reverse Mortgage back in XXXX of this year 2022, they put us in contact with one of their agents named XXXX XXXX in New Jersey we filled out the preliminary application they checked out Credit and Mortgage balance and said we were qualified to proceed with the process so we talked with a HUD rep about counciling after that we sent in all the proper documentation and they said everything was fine so they set up an Appointment with a HUD approved appraiser they needed our Appraisal to to be a certain number and it came in over that figure our processor XXXX XXXX sent us a document to have the Appraiser to come back out because she had to signoff on a carbon monoxide installation XXXX XXXX called back and said all documents were done she called XXXX XXXX to get the loan closed he sent a document for us to sign for the payoff and it had a loan approval # on it we sent it back and he said we will close by the end of XXXX then XXXX XXXX called and I asked her if I should make pay my Mortgage payment and she said I can't tell you to make or not to make a payment but if you do you will just get a check back so we decided not too so XXXX call me a few days later and said we found a document and couldn't fundthe loan so we told him we wanted our Appraisal and our counciling money back because before we went through all the application and documents they should have checked everything from the beginning so he said he would look into it never called us back so We called AAG told them our issue and we were told we would receive a call from the head of the cares dept they said she was higher up than a supervisor or Manager she called me Friday and asked what I wanted done do you want your money back or I see your loan is showing you are approved what would you prefer I said we still want the Reverse Mortgage her name was XXXX said she would call us back on Monday and she did not we have made numerous phone calls left messages and have been completely ignored we need help since we are on a fixed income and need some answers sounds like these people don't even know what they are doing and bunch of liers and thieves we need a solution to this problem either fund the loan or at the least give us our money back for the financial pain suffering and heartache they have caused.
Product: Student loan

Initially discharged in Bankruptcy. Account not paid late. Made arrangements with XXXX XXXX before splitting to Navient and was paying. Instead of reporting payments Navient reported me late damaging my credit and that of my co-signer which is a US Service Member XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In aceordance with the Fair Credit Reporting act XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/2022 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 91681 Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I used XXXX to access my annual XXXX XXXX. As I attempted to access my Transunion Credit Report, I encountered an error. While I was answering the required questions, it appeared that the Credit Report began to download. At that moment the webpage closed. When I attempted to re-download my Credit Report by re-entering the XXXX information, I received the following message from XXXX : " We are unable to complete your request. 
What happened : Our records show that TransUnion has provided you with the Personal Credit Report XXXX XXXX XXXX you were eligible to receive free of charge within the past 12 month period. ".
Product: Student loan

Navient demanded payments on loans while in deferment status, while in school, and recently consolidated all plus loans 8 months before agreed upon date. Now am being billed XXXX/month regardless of income based repayment agreement. This has damaged my credit score stopping me from obtaining additional XXXX loans needed to finish last year of XXXX program.
Product: Consumer Loan

My husband and I went to XXXX XXXX in XXXX WV in XXXX of 2015 to purchase furniture for our new home. We asked the selling agent what our payments would be and we were told that they could not tell us because it was against Wells Fargos new policy. They said that our payments should not be more than {$70.00} a month, which is what my last furniture payment was. We could easily make {$70.00} work as a monthly payment. We also had to pay our sales tax before our furniture would be delivered. We paid {$260.00} in cash and our loan amount was for {$4400.00}. Our furniture was delivered in XXXX and when we received our first bill and it was twice the amount at {$150.00}. 
I called Wells Fargo and explained what we were told by XXXX XXXX and that we could not swing that high of a payment with our new home payment, student loan, car payment and a baby on the way. They said that we had signed a contract and that it was set in stone unless we wanted to pay off the full amount of the loan. They also said that we could appeal the contract. Upon looking at the contract the first page reflects a 12 month date and the second page reflects a 17 month date. 
We were denied the appeal by Wells Fargo Speaking with them again they said that they could lower my payments if I were not under a contract and that I am required to pay the minimum due whether I can afford to or not. If I can not pay the amount due they will be forced to take action because of breach of contract. 
We have made the payments throughout the year the best that we could whether we were able to pay the full amount or just what we could afford. We have now received a letter stating that we must pay {$280.00} by XXXX XXXX or they will be forced to take legal action and make us pay {$4900.00}. We were also charged {$1200.00} in interest for one month. We have made our payments the best that we could throughout the year ( XXXX ) causing our bills to pile up. Even after explaining all of this to Wells Fargo they were still unsympathetic to our cause and unwilling to work with us on this matter. 
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?
Product: Checking or savings account

On XX/XX/XXXX of 2024 I purchase XXXX tickets in the amount of {$1200.00} to an event that was being held XX/XX/XXXX thru XXXX. The event organizer decided to cancel the event 2 days before it was supposed to happen. He released a statement via the event website and XXXX page that he will be refunding everyone who purchased tickets. I spoke and texted with him back in XXXX and XXXX and that was the last time I was able to get in contact with him. I filed a claim with my bank back in XXXX of XXXX, they said I will be hearing from someone within 7-10 business days. I never heard back from anyone and it was around the holidays so I kinda forgot about it. I reached out to my bank in XXXX to get a status update and them person told me he could give me one over the phone and that I had to do it by email. So I sent them an email and i got a response stating that I need to call them for a status update because of confidential information. I called them today and the lady told me the claim was closed because they didn't have any evidence. I feel like I am just getting the run around from them. No one ever contacted me for any more information. If this was a matter of {$200.00} I would've just let it go, but this is {$1200.00} that I worked hard for. I have closed my account with the bank in made the purchase for the tickets a few months after the purchase
Product: Debt collection

This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all  XXXX  agencies.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my credit report and have identified the following item ( s ) that contain inaccurate information : The following personal information is incorrect Employers : XXXX XXXX The following personal information is incorrect Employers XXXX XXXX XXXX XXXX XXXX  1. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX 2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 6. The inquiry was not authorized XXXX XXXX XXXX 7. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX 8. Identity Theft XXXX  Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX XXXX.
Product: Debt collection

I had a revolving debt with Capital One that was in their collections unit. I was told if I paid the debt it would be deleted off the bureau 's. I recently paid the debt and was told that they now can't do it and it will stay on my credit report for the next 7-10 years. I was recently denied for a business loan because of this situation. I feel I was lied to about the whole situation and that's disingenuous to tell a consumer it'll be handled and nothing is taking of.