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

I constantly check my credit report and noticed that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items failure to do so I will file litigation against your company for furnishing a false account on my report. This is exactly why these companies are being sued lack of protection to the consumer credit profile. 

XXXX XXXX XXXX XXXX XXXX  Showing XXXX Different Account numbers along with a lot of other reporting inconsistencies clearly violates Federal and state fair credit reporting statutes promote the accuracy and privacy of information kept and distributed by the nations consumer reporting companies by defining how information must be recorded, verified and XXXX15 U.S.C. 1681-1681x As well as 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The XXXX XXXX XXXXs dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the XXXX XXXX and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the XXXX XXXX 

( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

please see attached proof
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in copies of proof of IDENTITY more than 12 times this year alone for me and my XXXX kids. I sent ID for me and daughter, our social security cards, both certificates, court order showing proof of guardianship shot records and school records. Alone with a notarized letter on what to remove and why with 7 Police Reports from. XXXX that I have had to file due to stolen wallets, etc. I never get a response in the mail. When I do they state I need to be verified when I already sent in enough proof ... more than what they've asked for. I got a copy of my XX/XX/XXXXdata that have gathered and 65 % has nothing to do with me. My information is being sold, traded, etc. I sent out mail with trackers recently and still haven't heard back from neither credit reporting
Product: Debt collection

The agency is pursuing legal action without confirming the dates of the debt as well as the original amount owed. From the information provided the debt collector or original debt holder is a company I currently have a credit card with. they contacted a past employer for garnishment, but never contacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are violating my FCRA rights and FDCPA They won't remove delete wrong inaccurate unproved uncompliant untrue allegations from my credit report. they keep saying its verified without verifying. they use automated response system E-Oscar to keep on fake verifications 1st entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] [ XXXX XXXX 2nd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX  XXXX 3rd entry : The entry reads : [ Collection Accounts : Accounts seriously past due ] XXXX XXXXXXXX With Truncated Account Numbers. This information is being reported erroneously and illegally under the provisions of the Fair Credit Reporting Act, section 611 ( a ) ( 1 ) ( A ).

This accounts were paid and satisfied as agreed. This account was never charged off as listed or went into collection as listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I received a notice from credit collection services regarding a debt of which I was unaware. Id like to submit payment now via the payment slip, but there isnt an address provided, a return envelope, or an option to pay online. Can you please advise? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Of the three credit bureaus, Equifax is the ONLY one that won't send me credit report online but has no explanation on why. I am not going to mail NPI data to them to get it by mail. I suspect the questions they ask don't have the right answers because I know my situation -- my mortgage was paid off in XXXX, I have no car loans, and only one credit card that I use on a regular basis ( a couple more that are less frequently used ). I've lived in the same house since XXXX, and only one other place from XXXX. So most of the answers to their questions they included are 'not applicable. ' I thought about trying to call the number on their website, but a reverse phone lookup did not indicate that it was really for Equifax ( one told me it was for a jail in Geogia, another to an individual there, and same phone number can not be for multiple places. ) I was unable to find a way to contact them online. 

Here is the response I got today when trying to get updated credit report, and something similar happened the last time I tried. 
Online Delivery Unavailable We are not able to deliver your free Equifax Annual Credit Report online. 

I know at least one reporting service has me linked to an XXXX XXXX, KS, address where I never lived ( my ex-husband moved there with his girlfriend back in the XXXX though ). I have at least learned enough to be able to answer that question 'correctly ' according to what they apparently have for me in XXXX XXXX , even though it is WRONG! And annoying to have it show up for verification every so often.
Product: Checking or savings account

I am attempting to close a " Credit Builder '' account I started with Credit Karma. I submitted a request to close the account on XX/XX/XXXX, and was told the issue would be escalated to their Specialized team, but was not given a timeline for when this would take place. After reading other users ' issues where they did not get a response for weeks, I followed up on the XXXX and XXXX, and was told the same thing. On the XXXX, I was given a phone number ( XXXX ) XXXX, that did not work. After finally receiving a number that did work, I was put on hold, then disconnected. After I called back, I was able to get a supervisor who told me the same thing - that my issue would be escalated to their specialized team, but they had no idea when I would be contacted. It's suspicious to me that they 1 - do not have enough staff hired to handle the workload and 2 - that those staff can't provide a timeline for when they will catch up on the high volume of requests to close credit builder accounts. 

I have filed complaints with the XXXX and the NY Department of Financial services as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit monitoring agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Debt collection

Dear Credit Bureau : According to the provisions of the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of iters prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

This account must be deleted its been past 30 days and Experian has not follow the Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a ) and must delete this account National credit systems which I already provided proof of clam is identified as identity theft this account is inaccurate In should not be deleted immediately. EXPERIAN HAS BEEN CONSTANTLY REPORTING INAPPROPRIATE AND INACCURATE INFORMATION ON MY CONSUMER REPORT I HAVE ALREADY GAVE THEM ALOTS OF PROOF OF CLAM. ITS BEEN PAST 30 days in this account is not valid it should be deleted according to Fair Credit Reporting Act ' 611 ( a ) [ 15 USC 1681i ( a )
Product: Money transfer, virtual currency, or money service

This morning, XX/XX/XXXX, shortly before XXXX XXXX. on my home computer, I authorized a wire transfer in the amount of {$10000.00} to my mother 's bank in XXXX. My mother is an American citizen who resides abroad, having moved to XXXX after retirement in XXXX ( these funds are in fact her monthly retirement income, and I provide her local banking to get her access to these retirement funds. ) Several hours later I received a phone call from Chase that was not clear and disconnected, and an email cancelling the transfer. When I contacted the bank via telephone, I was advised that I needed to go into a branch to show two forms of ID, which I promptly did, and was then allowed to resend the international wire transfer. In verifying the account information I noticed that the banker had left off a digit from the IBAN code, and she advised that she would shred that application which she did not process or authorize. She then reentered the information, which I then verified as correct, including the swift code and IBAN code, which I had received from the international bank this  past XXXX, and confirmed with the recipient that nothing had changed since that time. I then signed the paperwork, and authorized the transfer. The bank processed the transfer providing me with a disclosure and receipt. I then left the bank, returned to my office at which time I received an email alert that this transfer was cancelled too. I called the number indicated on the cancellation notice, and was advised that the internal review process had rejected the transfer, and that there was absolutely nothing I could do about it, and that there was no one within the internal review area with whom I could talk to to see what I could do to get this money transferred. I then called CFPB, and was directed to this forum, and started filling out this information. I then received another email, some forty minutes after the cancellation notice was emailed, advising that my wire transfer was sent. I called and spoke with XXXX who answered the phone for Chase on this most recent call, and she confirmed that the second cancellation was of the transfer that I never authorized, and which should never have needed cancellation, since I received no paperwork that it had even been attempted. This was a nightmare, and horrible customer service, aggravating and frustrating beyond measure.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the unauthorized accounts and inquiries listed below from my credit report. My personal information was compromised in a data breach, and these entries were fraudulently created using my identity. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts and inquiries be blocked and permanently removed from my credit file. 
Unauthorized Accounts XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$980.00} XXXX. XXXX  o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$86000.00} XXXX. XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} XXXXXXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7600.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$14000.00} XXXX. XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$890.00} XXXXXXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX o Account XXXX : XXXX o Open Date : XX/XX/XXXX o Balance : {$1600.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$7500.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$74000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Open Date : XX/XX/XXXX o Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

5 {$1000.00} Payments were made from Chase account XXXX to XXXX XXXX and XXXX XXXX states they did not get them! WE are missing {$5000.00} or so XXXX XXXX states! 5 payments in the amount of {$1000.00} each were made to XXXX XXXX ( The same way each week via bill-pay from Chase bank for the past 3 plus years ). Each week a payment of {$1000.00} was made. Each payment was electric from Chase to XXXX some way for the last 3 years NO changes! It is set-up automatically for weekly payments. I noticed that my payments were not posted, so I called XXXX XXXX   and they stated I did not make the payments. I called Chase Bank. Chase Bank and I called XXXX XXXX and once again they stated the payments were not made. Chase and I both sent back-up 's of the payments totaling over {$5000.00} that are missing and they still state the payments were not made. Chase stated since no changes were made to the payments for the past 3 years they could not help me ( basically since I sent the payment the same way for the past 3 year with no changes electrically no fraud was found ). Below are the payments that are missing XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XXXX
Product: Checking or savings account

I do not agreed with the final solution on claim # XXXX after being under higher up investigation for almost 3 months .the claim was reopened 3x as you all can see on the records .I have sent the item back to XXXX ( seller ) so with that being said is not a fair situation that I lost $ XXXXand did not keep the item. I SENT IT BACK THROUGHT USPS TRACKING XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax tells me I have no credit file in their system. 

Since I am buying a new home, my mortgage lender pulled my credit from XXXX, XXXX just fine, but Equifax kept to fail. Then I contacted Equifax to ask this issue, they hang me up several times, and after keep calling for hours, one representative told me I do not exist in their system, which means my 5 credit cards ( XXXX, XXXX XXXX, XXXX ) have never report my credit to Equifax. This is totally impossible. 
Next, I contacted XXXX, XXXX XXXX, XXXX one by one, and every one confirmed to me they all report my credit to Equifax always and monthly. 
So, I contacted Equifax again. Equifax insists they never receive any credit file about me and insist my credit card banks are all wrong. I keep calling 4 representatives, and none of them want to help me solve the problem. One of representative said : " You can hang up and find someone else. '' Next, I try to do a dispute. However, Equifax only disputes for existing credit file. Since I don't have a credit file with them, they refuse to do dispute. 
Next, I try to fax Equifax my proof of identification and proof of credit card. Unfortunately, their fax machine keeps failing to receive the documents, the error is " transmission was interrupted ''. This is usually the receiving fax machine has a technical problem. 
Finally, I try to mail my concern and documents to Equifax. The mailing zip code that Equifax provided is not correct. USPS people kindly corrected the zip code based on the P.O. box number. 
I find people online saying they didn't hear back from Equifax mail for months. So I would like to submit this complaint to push Equifax to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your correspondence on this alleged accounts stating you verified and updated these accounts XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXXXXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information from my report immediately as we both know, you cant go back on your word. This is a false representation of my character and I am absolutely upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Consumer Center XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished Lexis Nexis regrading all personal information of mine. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. 
My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

There has been an incorrect information on my report which is a collection that i do not know anything about, kindly review this and remove as soon as possible because it is unfair to supply false and inaccurate information on consumer profile, please remove this as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

I received a letter from XXXX stating I owe a debt and must repond/dispute in 30 days or they assume it is valid. The debt is time-barred so I responded with a certified letter and regular letter disputing the debt. Two weeks later XXXX mails me stating they are not handling the account any longer. One week later Jefferson Capital Systems LLC sends me a letter stating I owe a debt of the same sum and that I have 30 days to respond or they assume it is valid. Where does this end?
Product: Student loan

I'd like to add that since I first submitted a complaint to FedLoan, I  heard a news story on XXXX about how many people are having the same issues I've had. The PSLF program is in disarray, and dealing with FedLoan Servicing is very difficult. I handled congressional inquiries for a U.S. Senator, and just yesterday, I received a call from a constituent who is having the same problem I am - as are many.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called Equifax and found out they have basically erased me from their system. They have no score and they are reporting me as having no credit history. Asked for a faxed copy of my DL and SSI card. Even though the texted me an app that took my DL SSI card and selfie. I also asked for my score and they refused to say on the phone. But would mail and knew all my address and information.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Vehicle loan or lease

Good Evening, XXXX XX/XX/2023, I went to pay my car loan and realized that the XX/XX/2023 payment had not gone through. As soon as I realized this, I immediately made a double payment. A day later, I received an alert from my credit reporting agency indicating that my credit dropped by XXXX points because of a XXXX late payment. 

I wrote to American Honda Finance, informing them that I was not aware the payment for XX/XX/2023 had not gone through, I didn't receive any alerts informing me of this missed payment. There were no attempts to alert me of the situation. In addition, this is the first time I have had a late payment. 

On XX/XX/2023, I called to follow up on the status of my claim and I was informed that it was denied. The representative I spoke to indicated that they attempted to contact me the listed primary number of XXXX. This is an old work number. I no longer work at this company and so I never received any alerts. I was surprised that they listed my work number as a primary number instead of my personal cell phone number. So I had no knowledge of the late payment, nor was I sufficiently notified. I did not receive any communication by phone or email. All other companies follow up by phone and email, however American Honda Finance did not. 

As a result, I am requesting assistance with having the 30-day late payment removed from my credit report as I feel that American Honda Finance did not do their due diligence to notify me of this missed payment.