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

Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and XXXX is reporting 1. XXXX XXXX  ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX  ( XX/XX/XXXX ) 5. XXXX  ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )
Product: Credit reporting

There are XXXX accounts that are listed on Equifax report ; neither of which belong to me. Also a child custody late reporting is on my report also ( I have never been late ). I have requested an investigation x XXXX with no information provided to confirm these accounts belong to me. I have provided documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was terminated on XX/XX/23 from my employer. It's been XXXX weeks and they have not provided me with a separation letter ( I need for unemployment ) and they have not updated The Work Number ( Equifax XXXX XXXX ). This is messing with my livelihood and health benefits. Equifax said they investigated but if they spoke with HR, HR would have told them, I'm not employed and they are trying to update the system. 

I've included an email from XXXX explaining my termination will be processed properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXXXXXX 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/2022.
Product: Credit reporting or other personal consumer reports

This is absolutely distressing to know that my rights as a consumer is being violated. I value my credit score a lot and the errors on my credit report has negatively affected both my financial opportunities as well as my mental health. I've been trying to fix this for some time and my requests kept getting disregarded and ignored in correcting these errors and my concerns regarding the inaccuracies on my credit report which has been stressing me out as my new credit applications are being denied because of these.
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts on my credit report this morning, and I cant understand how this happened. I check my credit report regularly, but this time, I found unexpected discrepancies. Thinking it might be a browser glitch, I refreshed the page, but the inaccuracies remained. I am requesting a thorough review of the documents Ive submitted so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

I am writing to urgently report an ongoing issue with Equifax that is severely impacting my financial well-being. In reference to CFPB complaint # XXXX, filed on XX/XX/, Equifax stated XXXX XX/XX/, that certain items had been deleted from my credit file. However, this inaccurate information persists on my credit report, contrary to their claims. 

" Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' " Inquiry : XXXX XXXX XXXX XXXX- THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 
Inquiry : XXXX - THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' This refusal to remove the information directly violates the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i : Equifax is mandated to correct or delete inaccurate information within 30 days of investigation. 
15 U.S.C. 1681s-2 : They must maintain procedures ensuring the maximum accuracy of consumer reports. 

The impact of this persistent inaccuracy on my credit report is substantial and threatens my creditworthiness. Equifax 's lack of accountability is unacceptable and undermines the integrity of credit reporting. 

I implore your immediate intervention to ensure Equifax 's compliance with the FCRA and the removal of the inaccurate information. This situation jeopardizes my financial stability, and prompt resolution is imperative. 

Your swift attention to this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account makes no sense at all if it's charged off why are you still reporting what day was the last activity is not stating any information that's important to give them the right to constantly be reporting whenever they feel is fit. 
General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX-XXXX  Account XXXX Account TypeSecured Loan ResponsibilityIndividual Date Opened0XX/XX/XXXX StatusAccount charged off. {$1800.00} written off. {$3800.00} past due as of XXXX XXXX. 
Status Updated0XX/XX/XXXX Balance {$3800.00} Balance Updated0XX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$1700.00} Highest Balance {$0.00} Terms26 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern I am a Victim of identity Theft. the Information Listed On this Report does not Relate to any Transactions that I've made this is Identity Theft. please Block this Information from my credit thank you
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXXXXXX XXXX XXXXXXXX  I tried to get access to my credit score and Experian couldnt let me due to verification or no score and I have a score I just dont have an account with Experian
Product: Debt collection

Chase Bank repeatedly offered me deferments, while also reporting my account as further past due than it was, did not address my issues, lied to me repeatedly and while leading me to believe I had, yet again, been approved for a deferment, sold my loan to a third party, who are now attempting to foreclose. When I have, repeatedly, sought to resolve this with them, I have received completely deflecting answers, they now refuse to communicate with me further. When I asked why I was repeatedly offered deferments that I relied upon in good faith, I was ultimately told, " our system was new, so it made a mistake ''. This does not absolve them of Promissory Estoppel or Duty of Good Faith and Fair Dealing. Plus, I relied on this and took no action, until I attempted to resume payments, because I was acting in good faith. They were not, they lied to me during the collection process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certfied letter to the company XX/XX/2018 I Have Notified This Company By Certified Mail They Responded Back By USPS With A Letter Stating They We Unable To Locate Any Acct For Me ...
Product: Money transfer, virtual currency, or money service

I sold this girl from my college a XXXX dollar goodie bag on XX/XX/XXXX. She disputed the charge ; therefore, my XXXX account was deactivated & I got an email stating that on the XXXX. I contacted her & she said she would retract the dispute on the XXXX. I tried calling TD again on the XXXX & went in person to TD Bank with all the documented evidence on the XXXX. Both reviews were denied. On the XXXX, I reviewed my bank statements & it said the XXXX dollars from the dispute was recovered for the disputed party. Essentially, I am being scammed out of XXXX dollars & my XXXX has been deactivated. I also filed a sworn statement to the police. I attached all of the documents below, along with the case file of the sworn statement.
Product: Credit reporting or other personal consumer reports

I received my credit report names and addresses are incorrect and because its incorrect you have failed to ensure maximum possible accuracy according to the FCRA. Delete these addresses please violated my federal rights 15 USC 1681e ( b ) Addresses : XXXX XXXX XXXX XXXX XXXX GA XXXX  : remove NAME Also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, ga XXXX
Product: Money transfer, virtual currency, or money service

Hi, Before I get into anything I just want to say how I do enjoy Coinbase. The service has been amazing. However, it seems like XX/XX/XXXX something happened and I ca n't seem to get a response from anyone that works there. 

I know they are backed up and I would wait longer but the amount that is owed to me {$110000.00} which is a lot. 

Here are the wires that are missing and the ref # s that were put on the emails. 

{$11000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX {$49000.00} Ref # XXXX on the XX/XX/XXXX Each wire was supposed to be sent next day. We are in XX/XX/XXXX. 

Any help would be amazing to get my funds back or anyones attention. All I wanted was some reassurance that I would get it back. 

Thanks, XXXX
Product: Credit reporting or other personal consumer reports

I Hope this XXXX reaches you in excellent physical condition. 

I am writing to bring specific inconsistencies in my Credit Report to your attention, Specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( B ) under the Billing Error Category : ( XXXX ) The Creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement. 

( XXXX ) A computation error or similar accounting error made by the creditor on a statement. 

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, Which ought to render any ramifications of late payments regarding the linked accounts. 
I am in pursuit of concrete evidence from the creditors bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error therefore.
Product: Debt collection

They sent a fake court order from an attorney when the actual company knows that I had been affected at that time by XXXX and another company bought the debt and even sent people to an old address where I had been getting harassed by. I had to change work locations due to near attempt of XXXX  from the individual who I had reported back in XXXX. A XXXX  individual in front of my house gave me the document attached
Product: Credit reporting or other personal consumer reports

As i have previosuly filed a compliant with XXXX and Transunion that has been delt with appropriately. I have come to find even more inaccuracies within my credit report throughout all three reports. This time including XXXX, Transunion as well as XXXX in regards to derogatory remarks on Payment history 30 days past due, On time, Data unavailable from all three credit reports as well inaccurate dates and amounts on each one with XXXX XXXX XXXX. I will be attaching and providing evidence in this complaint of these inaccuracies. As iv stated previously through the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX all being consumer reporting agencies as I am the Consumer. And 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states ''. 

Mainly these inaccuracies and issues are pertaining to the improper and inaccurate amounts throughout Payment History from what iv found or transaction history being reported throughout my credit reports on XXXX, Transunion and XXXX for XXXX XXXX XXXX. As stated from 15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting. With ( 2 ) Exclusions : ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; in itself reporting transaction history is illegal. ALL inaccuracies and remarks iv listed and attached to this complaint I want deleted off my credit report for inaccurate information in violation of 15 U.S. Code 1681e stating " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

As I have looked in my credit report Payment history for XXXX XXXX XXXX dates and amounts i've attached report different things that conflict with each other, as well as in violation of 15 U.S. Code 1681e as I've mentioned in the paragraph above however specifically ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual. Again, ALL inaccuracies as well as derogatory remarks made on my credit report under Payment history and balance for XXXX XXXX XXXX be removed as well as any adverse action related notations ( derogatory remarks in payment history ) removed and the status updated to Paid as agreed on XXXX, XXXX and Transunion.
Product: Debt collection

I initially got a XXXX loan from XXXX to go to XXXX to become a XXXX XXXX. When I was first applying for the loan I asked them verbatim if there was interest on the loan to which they responded there was none. A year later, I was unemployed for a time and during communications with one of the self proclaimed debt collector agencies/ default debtee that apparently held the loan instead of XXXX which was who I thought I was borrowing from called to see if I could make payments to them. I advised that I could not at the current time and since then they have called every day until recently where it started to slow down since I told them over the phone they were likely violating debt collection policies and that I would seek action against them for it. The current situation is that I called to ask how much the remaining debt was because I intended to pay the remaining balance in full, but I realized that the number I called was a secondary debt collection agency who also was calling me to collect a debt and I hadn't realized they were a different company until I actually spoke for a longer period of time on the phone with them. They gave me an amount that differed from the amount I was told by the first debtee / debt collector and gave me contact information for the first company to call them and get more information. I then called them back and during the ensuing conversation found out that my loan had apparently had interest day 1 and the XXXX company had no control over the loan and had just provided misinformation despite being the first point of contact with regards to getting the loan as if they had told me it had interest I would've never taken it. The summary of issues that I believe are a mixture of poor adherence to the guidelines of debt collection as well as bad communication. There were 2 self proclaimed debt collection agencies which when asked " are you a debt collector '' responded " yes '' who have been in contact with me constantly calling all the time from phone numbers all over the US including XXXX, I have been getting mixed information on the amount actually owed varying by about $ XXXX, and getting lied to initially about the interest on the loan which was what led me to not worry about it while unemployed mistakenly thinking I wouldn't have been accruing interest. I apologize for not having lots of hard evidence to give since most all of these interactions occurred over the phones but I suspect the companies involved have their calls logged to be compared. For reference the three companies involved are XXXX, simm Associates, XXXX XXXX. simm Associates and XXXX XXXX are the debt collectors in question. Also as an additional note in case this is also a violation, several times when I called simm Associates to ask if they were debt collectors they would not answer my questions until provided further information which seems sketchy to say the least.
Product: Credit card

I've been a loyal customer of this bank for more than 12 years, consistently making on-time payments. Despite applying for several credit cards, I've been repeatedly declined without any explanation. Even when I did acquire a credit card about a year ago, it was suddenly closed without prior notice. I'm left wondering if my XXXX heritage is a factor in these credit card application rejections.
Product: Mortgage

It has been almost 5 months since we first applied for a refinance mortgage loan with Bank of America. During the approximate past two months, Bank of America has mailed to us many new loan applications on another loan # XXXX, which we did NOT apply for. We have sent Bank of America six certified letters addressing this problem, but we have heard nothing from Bank of America. We have contacted by phone our loan officer who is XXXX XXXX XXXX, but she says that she is no longer our loan officer, and she can not help us with anything now. We have sent supervisor XXXX XXXX emails on these problems, but she refuses to reply and help. We signed our original loan # XXXX paperwork/documents on XXXX and mailed these by certified mail to Bank of America . In several of our certified letters, we asked for a copy of these loan documents, that we signed and mailed back to Bank of America, to be mailed to us, but Bank of America has refused to do this. Bank of America, with all of these new and different loan estimates/applications that they have mailed to us, are now trying to get us to pay about twice as much on the closing costs, compared to what we signed on XXXX. Bank of America refuses to reach out to us by phone and email now. They initiated a second title company which has caused us problems. They also refuse to send to us by mail, any notifications of outstanding document requirements on this original loan. Two other complaints ( XXXX and XXXX ) were filed on XXXX and XXXX with your agency on this matter. We have not heard anything from Bank of America on these two complaints.
Product: Credit reporting or other personal consumer reports

In 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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX  and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting

I pulled my credit report in XX/XX/XXXX and the following accounts were not listed on my credit. I just pulled my report for XX/XX/XXXX and the accounts are listed on my credit report XXXX XXXX AND XXXX I WANT THESE ACCOUNTS REMOVED AS THEY ARE NOT MY ACCOUNTS. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been breached in the Equifax data theft according to their website. When I try to freeze or lock my account there is a fee involved. They have offered a one year free monitering service, but then there is a fee. My SSN is FOREVER compromised and I want FOREVER control over my credit information. FOR FREE! The other bureaus have some free fraud alerts, and other fee for notice products, BUT IT THEY ARE TO HAVE MY DATA AND USE IT TO SELL SERVICE THEN I SHOULD HAVE FREE ACCESS TO CONTROL WHEN THE DATA IS USED!!!!!!!!!!!!!!!!
Product: Debt collection

I gave them a call today at DIVERSIFIED ADJ SVC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX ) XXXX They said they have no record of me in their system.