23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Told them threw divorce XXXX XXXX XXXX card was my wifes to pay off She left it go into default, for the credit consolidation to take it over for her. I told Equifax this they did nothing on my part .Iv payed over XXXX Worth of credit off last month yet my credit score dropped over XXXX and XXXX more points this week, Yet they keep slamming me with buy there credit monitoring in my emails, MY XXXX scrore is XXXX and Equifax has me at XXXX and keeps spaming me with buy there product .This is bs .I got Divorsed 2 years ago and have been working hard on brining my credit up, They are an unfair company nothing has changed for them to drop it, All I have done is pay pay and pay more debt down to try to improve it.
Product: Debt collection

I do not owe this debt. The merchant, XXXX XXXX never issued a refund to XXXX  to cover the outstanding balance due to the package not being received. I have attached proof that I am not responsible for the debt and that XXXX, the delivery courier had to step in an resolve my matter as the Merchant never resolved the issue properly. I want the debt collector to stop sending me emails and contacting me via phone. I want my credit bureaus updated and all negative remarks associated with this account removed immediately. The merchant charged and XXXX charged me for items that never arrived which is fraud and illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX  XXXX XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
4. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have sent TD Bank two certified letters ( XX/XX/XXXX, XX/XX/XXXX, both in 2021 ) to request them to eliminate this account from my credit reports as it is my father 's who died in XX/XX/2021. I have requested an investigation of this account and of any proof that this account is mine but they have ignored my letters and phone calls. I have recently seen where they have re-aged this account so to add extra length to a debt that is not mine.
Product: Debt collection

This company never showed up in my credit report and i was completely unaware that it existed. This account isnt mine and their agents kept trying to have me pay when i called to fix the issue. I kept telling him its not my account so theres nothing for me to pay. 

This company came out of nowhere on my credit report as a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting an account that has been opened for more than XXXX years as a new account, as a result my credit score has dropped XXXX XXXX. I called Transunion to try and remedy the issue but they advised to dispute online and I have been unable to do so as I keep getting error messages. I have attached the reports dated from earlier in XXXX where it shows that XXXX XXXX being reported prior to XX/XX/15. Please resolve this issues as soon as possible, I take care of my credit and dont want inaccuracies being reported and weighing down my score. Thank you so much for your prompt attention to this matter.
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, Account name : # ally financial, Account name : # XXXX  XXXX # XXXX Account name : # XXXX XXXX, has violated my rights. 


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

Have written in to XXXX and Equifax concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX, XXXX XXXX/ XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXXl, XXXX XXXX, XXXX , XXXX , and XXXX
Product: Credit card

There is a serious problem that has surfaced recently on all Chase credit card applications. There is a bug that prevents me from entering my home address on any Chase credit card application even though it is valid. An error message pops up, saying " Your address needs to include a street address. It can't be a C/O address. '' ( I have attached a screenshot of this error for reference. ) I think what is causing this problem is that any address including the letters " co '' is getting flagged as invalid even if it is not a C/O address. For example, my address contains the word " XXXX '' in it. It is a valid address and not a C/O address. But the system keeps rejecting it and I can not proceed with any applications. Dozens of other Chase customers have flagged this issue online as well, so it is not an isolated bug. And this seems to be a new bug ; I have successfully applied for Chase products with my home address without issue in the past, but recently I am not able to get past this error. I am hoping this widespread problem can be brought to the attention of the engineering team responsible for credit card application websites so that it can be fixed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the I c systems ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXXXXXX and have become a permanently XXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru bk. Im working on that since i am 100 percent they will be XXXX hopefully all thru XXXX all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if XXXX XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX children. I sure hope this reaches the right person. Thank you so much.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft, I saw an incorrect inquiry on my TransUnion from XXXX XXXX XXXX XXXX, So I called my bank XXXX XXXX XXXX XXXX to confirm that I have no application on file and they confirmed no application on file so when I called Trans Union XX/XX/year> I spoke with Marry, I stated I would like to dispute this inquiry and was told that I am NOT allowed to do so. XXXX Fed told me they would not send me a letter because there is no application, and to contact TransUnion dispute it and they will respond, XXXX who refused to provide any employee ID # said she would NOT take my dispute information. I feel I was clearly not allowed my right to dispute incorrect information on my file. XXXX XXXX is my bank and if they say I do NOT have an application on file why can XXXX and TransUnion refuse my right to dispute incorrect information on my credit file?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I started the process to dispute unverified information on my credit report as reported by the three major Credit Reporting Agencies ( CRA ) or bureaus, Equifax, XXXX   and XXXX. As of XX/XX/2018 and through 4 rounds of letters sent by certified return receipt, the items I disputed still remain on my credit file as unverified. XXXX  was the one CRA that would not respond to my 4th letter, stating they had previously processed my dispute and information was verified. I would like to submit this complaint on them for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one credit card is reporting as an adverse account on all 3 credit reports. This account was never paid late back in XX/XX/XXXX. I have rectified this with capital one over the phone over a year ago. Now this account shows as account this is paying as agreed and current. I have been requesting and disputing this information to please be corrected. It should be reporting under accounts that are satisfactory. Instead its reporting as paid as agreed and current but listed on my report as account that is potentially negative and will go to a positive in the year XX/XX/XXXX This is ridiculous. And having it report under the wrong category is affecting my credit score. I am mailing out a letter to capital one again today. It is also reporting twice on my report now instead of once. It should not be reporting twice. Its looking like I have 2 negative when its the same account. I am also complaining about the XXXX XXXX XXXX account that has been deleted off my XXXX XXXXeport because it was confirmed to be deleted however XXXX is still not removing it. And XXXX XXXX XXXX XXXX  also was to be deleted but is still reporting.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never latefor consumerreporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : ( XXXX ) please investigate and provide proof with statements showing that these payments were late.if proof can't beprovived Idemand these payments be updated to on time as they should be as I was NEVER late. thanks
Product: Mortgage

Towne Mortgage Company does not accurate communicate all monies owed on my mortgage on their website. Apparently, there is a late fee on my account that I would not know about because it is not presented anywhere on the website. You'll see on the screenshot I provided they only publish the regular monthly payment due yet nowhere is there a late fee communicated. Yet when I call they say I owe a late fee. At the same time, you'll see an additional screenshot for making a one time payment, there is no entry available to dedicate funds to the late fee owed. This is perpetuates an infinite cycle of fines which is dishonest!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my letter to this credit bureau, I requested an investigation on several accounts I found on my credit report. I appreciate this bureaus effort to satisfy my dispute but there is still an account that remained incorrectly, inaccurately and incompletely reported. XXXX  Ref : XXXX has not been updated in years. Last that it was updated was 2013. I 've already paid off this account last year and it was never updated. The payment history is incomplete. They are not showing that the item was disputed. The account opened date is inaccurate and not the same with the other bureaus. They do not show till when this account will be reporting. These are completely violating the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 



XXXX XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance {$550.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$550.00} XXXX XXXX XXXX XXXX Balance : {$490.00} INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$220.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$320.00} XXXX XXXX XXXX XXXX Balance {$490.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Hello, i reviewed my credit report and found out that i have a fraud hard inquiries, i need to get them removed because its ruining my credit score a lot. Thank you in advance. 

Inquiries is Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Navy federal is in violation of 15 U.S.C. 1642 15 U.S.C. 1681m. and 12 CFR 1002 because I the Consumer made an application in good faith but credit was not issued. Further more because my social security number which according to 15 U.S.C. 1602 Is defined as a credit card was used and I received No Benefits this proof of fraudulent activity on behalf of Navy Federal Bank IF Navy federal bank FAILS to make any reasonable procedures to resolve this matter an compensate me for the Use. Of My credit card I will Indeed make navy federal criminally a civilly liable for all actual damages pursuant to 15 U.S.C. 1681 an 15 U.S.C. 1681o
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

see attached was informed that you all would seek reposession and collection activity. you also violated 15 usc 1692c. Still callinf even after Cease and desist
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to delete this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently applied for an auto loan and was told that Mohela is reporting XXXX loan amounts. I had XXXX parent plus loan consolidated into a direct loan. XXXX completed XX/XX/year>. Mohela is still listing the XXXX previous parent plus loans as active instead of paid/closed. This has affected my credit score for over 5 months and it is unjust and unfair that this mishap is the result of Mohela moving to a new platform and not reporting correcty. I am very concerned. I have called Mohela to have this rectified and was told they will reach out to the XXXX reporting credit bureaus. They also asked me to reach out and I feel that it is their responsibility to correct this. Meanwhile, I have a tanked XXXX  score and unable to obtain a reasonable interest rate loan to buy a vehicle.my scores need to reflect my good faith XXXX percent payments made on time for everything and show that my debt to income ratio is accurate.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that 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 or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX