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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Equifax, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I discovered discrepancies in the following account ( XXXX ) : XXXX XXXX XXXX ( Account Number : XXXX ) XXXX XXXX XXXX ( Account Number : XXXX ) Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : XXXX. Section XXXX ( a ) ( XXXX ) ( A ) : Requirement for verification of accounts through original documentation. 
XXXX. Section XXXX : Right to dispute inaccuracies and request investigation. 
XXXX. Section XXXX ( a ) ( XXXX ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request Equifax has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of XXXX XXXX. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated XXXX period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX XXXX XXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Money transfer, virtual currency, or money service

Hello, My phone with XXXX stopped working on the XXXX and went into store to get the phone fixed on Tuesday the XXXX. I had a bill of XXXX on my account and this caused my phone to stop. They said since I exchanged my phone the day of the purchase my special plan changed from XXXX to XXXX. I worked on getting the phone fixed on Tuesday the XXXX without paying anything. Phone got fixed then two hours later my phone went bad again. Went back on Wed and they refused to fix my phone. Another bill was placed on my account. My wife, on the XXXX, ended up going to store where we purchased the phone and paid the XXXX and phone got fixed, this was due to my pin and security pin were wrong so only way to get phone up was to pay the bill. After getting my phone fixed another bill for XXXX was placed on my account and my phone was disconnected again. I have the bill attached below. While my phone was off someone got a passcode reset codes and used my XXXX on my phone and hacked into my XXXX email address and also got codes to my XXXX gmail account. They also got into my coinbase account and while in my account they pulled ACH Deposits from my checking account into my coinbase. With the money in my account and the money pulled from ACH they bought bitcoin and in XXXX days they took all my money in my account. Total loss of {$24000.00}. I need help getting my money back. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer Reports and identified THREE ( 3 ) reported late payments on an account where I have consistently made on-time payments. Consumer Reporting Agencies hold a critical role in ensuring the accuracy of reported information and are obligated to maintain Maximum Accuracy under the Fair Credit Reporting Act ( FCRA ).

For the account ( account name and number : ), I firmly assert that I have never been late with any payment. I request an immediate investigation and demand verification through detailed account statements proving the alleged late payments. If such proof can not be provided, I demand that these payments be corrected to reflect their accurate status as on-time.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XX/XX/2023 Smith Rouchon & assoc contacted multiple family members about my debt multiple times harrassing them.
Product: Credit reporting or other personal consumer reports

They keep sending bogus excuses saying they can't insert something well nobody is asking them to
Product: Credit reporting or other personal consumer reports

I've made multiple attempts to resolve the issue of false, erroneous, and misleading data on my consumer report, but the problem persists. These inaccuracies have had a profound negative impact on my life, causing substantial anxiety and stress. I must emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Product: Mortgage

Freedom Mortgage sent a letter to us dated XX/XX/year> showing that our town taxes were past due. The letter was sent via regular mail and arrived at our home on XXXX XXXX XXXX and stated that we had 15 business days to make payment to the town tax office and respond to their request by sending proof of payment. Once the letter was recieved, I immediately contacted our towns collectors office to confirm the past due amount. Once confirmed, I made past due payment on XX/XX/year>. Shortly after, I contacted the town to receive an email showing proof of payment and that we were current on our taxes. The assistant town collector sent PDF proof of payment for on XX/XX/year> and we immediately ( 10 minutes later ) sent to Freedom Mortgage payment proof email. The company did not acknowledge that proof until XX/XX/year>. Within 2 weeks of this payment proof, the company forced us into an escrow account ok XX/XX/year> stating the town reached out to them saying we were past due ( this is a lie ). I contacted the town and they stated they do not call mortgage companies. We were current, went multiple requests to remove the escrow and the company refuses to acknowledge their mistake. Nobody is taking accountability, we responded to their letter in time and completed the necessary steps in the timeframe asked. We have talked to 15-20 people since XXXX and we are still dealing them on XX/XX/XXXX. Very frustrating. After reviewing complaints on line, theres many negative comments. This seems to be a company wide issue, weve always paid our mortgage on time and were forced into working with Freedom Mortgage due to lenders changing. They need to take some accountability. They now have pinged our credit even though they were reviewing our account, and put a hold on the account.
Product: Credit reporting or other personal consumer reports

XXXX, the credit reporting agency, is reporting an account from XXXX XX/XX/XXXX ending in the numbers XXXX. This account and its balance do not belong to me. I have sent them numerous documents, including my XX/XX/XXXXdocuments, an FTC report, an identity theft report, a police report, and more. Despite this, they continue to report this invalid, fraudulent account negatively on my credit report, which is affecting me greatly. 

This is a direct violation, and they are outside the allowable time to correct and process this. It is unacceptable and needs to be removed from all my credit reports permanently.
Product: Credit card

I was in continuous communication from XX/XX/XXXX to XX/XX/XXXX with them ( capital one ) to pay my entire balance in full but they had to remove a charge for a purchase that I did not make. Since I did not pay the balance because capital one credit card did not solve the issue of the purchase charge. However, capital one credit card refused to remove the charge for that purchase until I complained to you. 

In the letter capital one credit card wrote that the interest charges would be removed from XX/XX/XXXX to XX/XX/XXXX, but they did not honor the deal.
Product: Debt collection

To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you on ( Date ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this a not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. 
Please provide me with the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt XXXX. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment. I tried contacting the 3 Credit Bureaus and the XXXX but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late. Investigate properly and please update for 100 % accuracy. 
XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting

Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct this?
Product: Student loan

I am writing you because I have attempted to contact Customer Service and they are unwilling to address this issue. 

In reviewing my student loan account I can see from Navient 's records that including payment to the school and interest I borrowed a total of {$29000.00} Since paying on my loan I have paid a total of ( {$18000.00} ) Meaning I should only owe the remaining balance of {$11000.00} However Navient is reporting in my account and to credit bureaus that I owe {$26000.00}
Product: Credit reporting or other personal consumer reports

I received XXXX statements in the month of XXXX when I called to inquire about the statements I was told I couldn't get any information due to my status pending in their system with my bankruptcy. So from I tried to if I could speak with someone in the department who handles those accounts still nothing, from this point in I received a call stating I was late on my mortgage which I known I had been making my monthly payments on time. When I asked about my XXXX payment no one could give any information. So now I'm in the XXXX and now being put in the credit for something that was not my fault.
Product: Credit card or prepaid card

On Monday XX/XX/2023 I went with my family to Ikea to order furniture for our new home that we purchased. I went in knowing that I wanted to apply for Ikea 's Projekt Credit Card and I applied on their kiosk. After an employee typed up the order and I went to pay for XXXX XXXX  worth of items and the new account did not go through and said declined. The manager in store tried serval times and still nothing. They had me call Comenity ( the credit card company ) and the agent said I had a limit of {$2500.00} for the first 4 days of applying for the card. The amount I was approved for was {$7200.00} so that did not make sense. I said okay then let 's do {$2500.00} and tomorrow I will purchase the rest. Nope that didn't work, now the agent placed me on hold to get someone else and she never came back. 40 mins spent with the 1st agent and the manager in store said we can try tomorrow since I had my kids and they were hungry. While driving away I called again and another agent said the issue was that of the virtual card and the store needs to pull my account and charge it that way. Okay back to the store and nothing I called again and was given a different answer and it was because the card number was being entered manually I asked to speak to a manager and was hung up on, called again asked for a manager and I was transferred then call dropped. I called again and was finally able to get a Sr. Specialist named XXXX and he said that there is a known issue for newly opened accounts and they are trying to fixed eta 3 days. I advised XXXX that he needs to provide that Information out to the phone agents since all of them were giving me different answers. I called today XX/XX/2023 to check into this " known issue '' and I spoke to XXXX. He gave me another reason why the card isn't working, It's the virtual card issue use the account number he said. I asked to read the notes on the account left be XXXX and then he said oh yes yes wait 3 days or the card that will come 7-10 business days. No one knows what is going on and I am left with no purchase an account that was opened and unable to use because of " known issues '' that no one knows about.
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am reaching out to you to express my concerns about Zelle 's handling of disputes in the light of the recent CFPB lawsuit highlighting significant issue with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed recovery of lost funds was not possible and un trackable. CFPB 's findings indicate Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving consumers vulnerable to scams.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, 2017 I took out a loan from My Quick Wallet online. The total amount is {$1200.00}. They called me to confirm, however, they did not tell me about their extreme interest rates and how much my payments would be. I believe this kind of Tribal Lending to people in other states is illegal and I can not even attempt to pay their huge interest rates.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I checked my TransUnion Credit Report and saw there a Fraud Account opened on my credit report with XXXX XXXX XXXXXXXX, I never had an account with XXXX XXXX XXXXXXXX before. I informed Transunion and told On them to Investigate this account and also send me proof that I authorized these people to open an account under my social security. I also contacted XXXX XXXX XXXXXXXX and informed them it's a fraud account. They Promise me to Delete, but they never did. I am a victim of Identity theft and someone used my social to open this account. I would like XXXX XXXX XXXX to send me letter or contract documents showing my signature that I open this account. But they never did, If they can't proof this they need to Delete this from my File ASAP. Transunion Need to DELETE THIS OFF MY FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have carried a bank card for many years that has the Master Card logo on it. I assumed that for all of these years it was being reported on my credit report and assumed it was helping me to establish credit. Since I have carried and utilized it for MANY years in good standing I decided to apply for a real credit card, only to find out that I STILL have " Unestablished Credit ''. WHY are these banks allowed to utilize the credit cards logo if it DOESN'T get reported onto your credit report?
Product: Credit card or prepaid card

Regarding Citibank XXXX XXXX card ending XXXX XXXX I received a text message from Citi Fraud department regarding a charge for {$690.00} at XXXX XXXX. They asked me did I attempt that charge, I responded - No - I did not. 

XX/XX/XXXX - On my statement that there was XXXX unknown charges XX/XX/XXXX - there was XXXX charges to my account XXXX and XXXX XX/XX/XXXX - there was XXXX credits XXXX and XXXX XX/XX/XXXX - XXXX charge finally went through but I did not make this charge. I have repeatedly disputed this charge. The bank keep on putting the charge back on my account. 

On XX/XX/XXXX, I spoke to a supervisior at Citibank and he reopened the dispute for me. 

XX/XX/XXXX - I received a letter from Citibank stating that I will be charged for XXXX and provided me with the merchant phone number. 

XX/XX/XXXX - I called the merchant XXXX XXXX and spoke with supervisor XXXX, he was extremely cooperative. He stayed on hold while I contacted Citibank for my credit card information. I did not have that on me. I borrowed someone else 's cellphone to call citibank and got XXXX from the fraud department so I managed a XXXX way call on a recorded line. With my permission XXXX provided the XXXX digit account number of my credit card ending in XXXX. With that information XXXX was able to look up information for me. He clarified that a person by the name of XXXX used my credit card to charge for a service to XXXX something on the internet. I indicated that I never gave out my credit card information to anyone and I do not know XXXX. XXXX did not provide me with personal information of XXXX. XXXX told XXXX of Citibank that the money XXXX was already charged back. He also provided the order number for XXXX at Citibank. Before the call ended, the agent from Citibank told me I should be getting a refund or credit on my account. 

XX/XX/XXXX - after my phone call with Citibank on XXXX, I received an email stating that they will investigate my situation. 

XX/XX/XXXX I received a noticed from Citibank that they will still charge me for XXXX. I do not believe they did a thorough investigation. XXXX- the merchant with the retailer is proof that I did not make that charge. 

I am ready for legal action.