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

I requested my free credit report from Equifax in XX/XX/XXXX. I found inaccurate address and phone information. I opened a dispute and sent supporting documents. At first they told me they could not locate my credit file, then they sent a dispute resolution in which the fraudulent address was removed, but the outdated phone numbers remained. I wrote back and they sent another resolution which stated the fraudulent address was removed, but the included file showed the fraudulent address listed as " previous address reported XX/XX/XXXX '' and my current address as being " reported XX/XX/XXXX '' ; also the inaccurate phone numbers remained. I wrote again, and received another identical reply. I wrote again, and received an identical reply but with ALL phone numbers removed including my current, correct one. I wrote again, and received another identical reply dated XX/XX/XXXX but with the reporting dates of addresses moved up to " XX/XX/XXXX ''. I also received, dated XX/XX/XXXX, a letter stating that they could not locate my credit file because I had not provided documentation of my current address. This is untrue ; with each communication I have provided copies of my current, valid drivers license, social security card, and phone bill. I have lived at my current address since XXXX and there is no reason to report any former address, especially an incorrect one. This fraud originally occurred in XXXX and I thought it was resolved at that time, but apparently it was not. The company refuses to tell me where they are getting this fraudulent address information. They also refuse to allow me to access my reports online. When I call them on the phone, they inform me that they can not determine who is the legitimate holder of this account. I believe I am being impersonated by another, malicious individual and have provided documentation in support of this.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies reported by these organizations regarding my account. After reviewing my credit report from TransUnion, XXXX, and XXXX, I identified the following discrepancies that require immediate removal : 1. XXXX XXXX - Account Number  : XXXX **Discrepancies : - **TransUnion : ** Incorrectly lists the account as charged off with a balance of {$0.00} but does not reflect the accurate closing date of XX/XX/XXXX. 
- XXXX XXXX XXXX  Reports the last activity as XX/XX/XXXX, inconsistent with TransUnion and XXXX dates. 
- XXXX XXXX XXXX Missing details entirely for this account. 



2. XXXX XXXX XXXX  - Account Number : XXXX - **Discrepancies : - **TransUnion : ** Reports the balance owed as {$360.00} and lists the account as charged off on XX/XX/XXXX, which conflicts with my records. 
- XXXX XXXX XXXX XXXX last activity as XX/XX/XXXX but omits updated account resolution details. 
- **Equifax XXXX ** XXXX similar balance but incorrect last payment date of XX/XX/XXXX. 

3. XXXX XXXX XXXX - Account Number : XXXX - **Discrepancies : ** - XXXX XXXX XXXX Reports a balance of {$220.00} as of XX/XX/XXXX, but no updated payment status or resolution is included. 
- **TransUnion and XXXX XXXX ** Do not provide sufficient details for this account, such as resolution or payment status. 
- **General Issue : ** The original creditor ( XXXX XXXX ) does not align with the account 's accurate reporting timeline or final resolution. 

4. XXXX XXXX ( XXXX XXXX  ) - Account Number : XXXX Discrepancies : -** TransUnion : Reports the balance owed as {$8800.00} but does not correctly reflect the charge-off resolution date of XX/XX/XXXX. 
- XXXX : States the last activity as XX/XX/XXXX, inconsistent with other reports. 
-XXXX : Provides an incorrect closing date and fails to list the accounts final resolution.
Product: Credit reporting or other personal consumer reports

The companies are paid as agreed, but are still reporting on my credit. Im trying to purchase my current home before my rental lease is up and no longer have a house to call a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted Experian, XXXX, and XXXX informing the company that I have been a victim of identity theft/fraud. Experian, XXXX, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get Experian, XXXX, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Product: Debt collection

First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them.
Product: Debt collection

XXXX XXXX XXXX has been removed from XXXX and XXXX this is an accurate I do not owe anything please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$320.00}, XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$12000.00}.
Product: Debt collection

XXXX This written correspondence is in reference to an account listed on my credit report that I did not open, and was opened up fraudulently. The account is identified as XXXX XXXX, with Balance of {$5000.00} USD. 

I have requested that the company remove this item from my credit report and disputed the account as fraudulent. CACi the collections company has only increased the balance on my report to now {$5000.00}. 

This account was opened as a result of identity theft.
Product: Credit reporting or other personal consumer reports

Proper notice was not given prior to furnishing negative information to credit reporting agencies, In addition, my federally protect consumer rights has been violated under 15 USC 1681.consumer rights to privacy and confidentiality According the fair credit reporting act 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. 92 623 - 15 U.S.C. 1681s-2 ( C ) Coordination with other disclosures. The notice required under subparagraph ( A ) ( i ) may be included on or with any notice of default, any billing statement, or any other materials provided to the customer; and ( ii ) must be clear and conspicuous. See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 According to the following 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 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. 


The following accounts violate the above laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In addition several accounts that should not be reporting are still reporting, I want immediate deletion or compensation for damages.
Product: Debt collection

I live on XXXX, XXXX ( XXXX County ) and have banked with Wells Fargo Bank. I resolved a lawsuit in XXXX County, XXXX involving attorney fees ( involving a dispute over real estate in XXXX ) by agreeing to a Consent Judgment. It was my understanding that the creditor/attorney would have a lien on my interest in the realty that would be sold down there in several months. Nonetheless, the creditor/attorney immediately obtained a Writ of Garnishment from the XXXX court and levied my bank account with Wells Fargo Bank even though I live and work in XXXX. I was under the impression that the foreign judgment had to be " domesticated '' or transferred to XXXX before Wells Fargo could freeze my account. In any event, I believe Wells Fargo Bank is violating my rights by honoring the foreign levy of my bank account that has approximately {$3700.00} and affording me my exemption rights under XXXX law. As of this writing, I have not yet received any legal papers regarding the garnishment.
Product: Prepaid card

I need my card Netspend skylight one lost I cant use
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage loan was service transferred to New Rez in XX/XX/2020, at the time of service transfer the loan was boarded and coded as a discharged Chapter XXXX non-reaffirmed loan significantly impacting my credit. 

I submitted a NOE and the issue was not addressed. I called New Rez XX/XX/2020 and was advised there was a systemic issue and approximately XXXX accounts were impacted and flagged as either an active or inactive Bankruptcy where the consumer was NEVER in a bankruptcy nor was the property a part of a bankruptcy. The representative was going to escalate this account to have the bankruptcy flag removed and issue an ACDV to the credit reporting agencies to correct the error. 

I called to follow-up XX/XX/2020 and spoke with a supervisor after I was on hold for 35 minutes and the representative could not advise of the bankruptcy case number on file or any evidence to support why the loan was coded as a discharged bankruptcy. 

Not only did this effect me but several other consumers who may not be knowledgeable to mortgage servicing regulations and requirements. New Rez failed to properly investigate the account when the NOE was submitted advising of such error. New Rez dropped the call, creating additional stress and time creating another call back and being on hold for almost an hour only to be rerouted the the bankruptcy department hung up on significant hold times.

I was unable to to speak to a supervisor today, and was advised I will receive a call back later today. This has caused unnecessary anguish and stress.

Also due to the incorrect credit reporting I had to pay a higher interest rate on a vehicle I recently purchased where this issue was brought to my attention again.

Additionally - the Periodic Billing Statements did not have the appropriate Bankruptcy disclosures for a discharged non-reaffirmed  chapter XXXX since the loan was coded as such.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Payday loan, title loan, or personal loan

Payment is overdue by 1 month, have been receiving calls excessively every day starting at XXXX and throughout. Have received over 4 calls within the first hour and over 10 calls a day. When answered the system does not respond
Product: Credit reporting or other personal consumer reports

I am writing to formally request an update to the balances on my credit report regarding the following accounts, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Under this law, I have the right to ensure that all information included in my credit report is accurate and up-to-date. 

Details of the Accounts in Question : Creditor Name : XXXX  Account Number:XXXX Current Reported Balance:XXXX Correct Balance : XXXX I have reviewed my credit report and discovered that the balances for these accounts are incorrect. Please conduct an investigation as required under the FCRA and update the balances to reflect the accurate amounts. I have enclosed supporting documentation, including [ e.g., recent statements or payment receipts ], which confirm the correct account balances. 

According to the FCRA, you are required to investigate my dispute and update or remove any inaccurate information within 30 days of receiving this letter. If your investigation reveals that these balances are incorrect, please provide me with a corrected copy of my credit report. 

Please send me written confirmation that these updates have been made, or inform me of any action you intend to take. I appreciate your attention to this matter and look forward to your prompt resolution.
Product: Debt collection

Collection agency added an account to my credit report on XX/XX/year>. This is not my account I have asked for verification of debt. I have received several text messages about this account. I have two other accounts reporting on my credit report that are fraud XXXX XXXX  and XXXX XXXX. I have asked for help with verification nothing has been provided.
Product: Credit reporting, credit repair services, 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 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. 
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, other items still need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get deleted immediately. 
XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX  XXXX Unauthorized Inquiry on XXXX Credit Report XXXX XXXX XXXX  Unauthorized Inquiry on TransUnion Credit Report XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX XXXX  Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX  XXXX XXXX Unauthorized Inquiry Reported on XXXX Credit Report XXXX XXXX XXXX Unauthorized Inquiry Reported on TransUnion Credit Report On XXXX XXXX the following companies had Unautorized Inquiries Reported on TransUnion Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  On XXXX XXXX the following companies had Unauthorized Inquiries Reported on TransUnion Credit Report : 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 card or prepaid card

bank of America California Edd card. Claim number XXXX. I have Called BofA many time only put on hold for hours. They lied to me they told me EDD toke back {$1500.00} from me not them. When I ask how I can contact Bank of America lawyers. They told me to XXXX it. Bank of american is frauding the People of california. In XXXX they took {$1200.00} from me they never deposit it on my Unemployment card. I ask about it they said we dont have Records that far back. So I wrote 5 state senators. In XX/XX/XXXX. Not one contact me back. So all this happen around XX/XX/XXXX. I went to the BofA and {$2000.00} was gone. I called and some how {$2000.00} was gone when they have a {$1000.00} a day limit on my card. How? Can that happen they turn off my card on me for trying to get {$100.00}. I am being harassed by bank of America. So I get a letter your funds are now permanent {$1500.00} they put the {$2000.00} back on my card. Thank BofA. Three months later they take it back. Say I am suspicious activity. And the claim is closed. I live in a Federal park. XXXX when the money was take by BofA. this is no longer a state issue. I will contact the Federal Reserve if need. I should have called the US Park Rangers. But Bofa said they would try and fix it that was in XXXX. My cell XXXX and my Name XXXX XXXX XXXX XXXX XXXX ca XXXX thank and have a nice day.