23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have already paid off the debt for XXXX XXXX XXXX ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as United Check Recovery Bureau ( reference number XXXX ). I have realized that I have been paying UCRB for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid United Check Recovery Bureau {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and UCRB via their online portals regarding validation of the debt and have not received a response from either of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report from Equifax, I found unauthorized inquiries. I made numerous attempts to resolve this matter via your automated service, however I had no success by phone. 

The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX  XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$140.00}
Product: Debt collection

Collection letter for judgment stated balance was {$11000.00} - balance was actually {$6400.00}. Discrepancy was blamed on a " glitch '' in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

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
Product: Mortgage

I bought my house on XX/XX/XXXX of XXXX, I had {$13000.00} for closing costs. The Escrow had {$880.00} for the 2 months of taxes in XX/XX/XXXX to the date of XX/XX/XXXX which equals {$880.00}. I'm XXXX XXXX  XXXX Veteran and am tax exempted for property tax in the state of Texas.I have the documents to prove both, I had missed a payment due to situations out of my control, I had been saving cash to get caught up and in XXXX I was robbed and lost everything. I explained to the Guild mortgage company and they were understanding. I kept paying my mortgage and XX/XX/XXXX I tried to make a payment and it would not accept payment online. I than called Guild Mortgage and they refused my payment saying I was 3 months behind, which I was not. Guild Mortgage and myself figured out a option, for deferred payment but once I got the paper work, my Mortgage payment went from {$1900.00} to {$2000.00}, when I asked WHT they said they lent me money to pay my taxes on XX/XX/XXXX for {$800.00}. Here we are in XX/XX/XXXX this is the first time I'm hearing about this. Guild Mortgage said they sent me a check for {$880.00} for surplus, which was the check for my taxes, which the title company sent to Guild Mortgage on XX/XX/XXXX that was documented for taxes. I never received a check I have bank statements from all of XX/XX/XXXX and XX/XX/XXXX, also I have USPS Informative mail, which shows my mail the day before delivery and nothing from Guild Mortgage. They sent me a copy of a check with my name on it, the front of the check perfectly legible, the back of the check you can't read anything everything is smudged, except my signature was perfect. The only thing is I signed my name a little bit different when signing my mortgage papers, I was so tired I forgot to cross the T an F on my signature like I always do. So someone in Guild Mortgage tried to falsify a check to cover up the theft of {$880.00}. I have all the proof and I have reached out for the last 2 months, they have been rude, talk down to me about my XXXX, call me a liar, their Accounting team said they won't look into a fraudulent check older than 4 months, all I asked is where the check was cashed and where did they send the check, they informed me they did know. They refuse to reach out to XXXX XXXX XXXX to look up the check by the tracking #. This has caused me to not sleep, miss my opening night of my XXXX XXXX, my girlfriend left me over all this it has caused so much grief, I stay on the phone for hours with them and nothing gets done and they want me to sign papers that increase my Mortgage to crazy amounts. Please help me I have all the proof and documents to prove my allegations...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -EXP'RlAN AIrt : Your scores dropped XXXX pts from two new crdt lines ... CIose here, within 48 hours : XXXX XXXX Received from text message : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND REPORTED THIS FACT TO THE THREE MAJOR CREDIT BUREAUS. XXXX REFUSES TO REMOVE THE INACCURATE INFORMATION FROM MY FILES.
Product: Credit reporting or other personal consumer reports

I am reporting Equifax, XXXX, and XXXX to the Consumer Financial Protection Bureau ( CFPB ) due to numerous inaccuracies in the information they've provided on my credit reports. Under the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. However, I've found inconsistencies such as varying payment statuses, incorrect payment dates, missing payments, and incomplete account histories across the bureaus. These discrepancies misrepresent my creditworthiness and could adversely affect my financial opportunities. I urge the CFPB to investigate and take necessary actions to rectify these inaccuracies promptly. Additionally, if these issues are not promptly resolved, I am prepared to pursue litigation against all agencies involved to ensure the accuracy and integrity of my credit reports.
Product: Debt collection

American Credit Resolutions called my job several times today XXXX/XXXX/2015. I do n't know who they are representing and my Boss told them not to call this company again because it 's not work-related and its against company policy. They refuse to comply and they have n't contacted me by mail or personal phone. So I have no idea what this about but it is harassing and embarrassing.
Product: Checking or savings account

- I opened a USAA checking account online on XX/XX/2019 using my debit card as instructed I then recieved an error and was instructed to put in my checking account and routing which i did and account was opened. 

- money was never removed with checking account number but my card was charged for the deposit and was showing on my statement but USAA said they never recieved funds.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Experian regarding fraudulent addresses, unauthorized inquiries and fraudulent accounts established in my name without my consent or knowledge. I discovered that I had fallen victim to identity theft when I noticed several unfamiliar accounts and credit inquiries on my Experian credit report. Despite my efforts to resolve this issue, Experian has not removed these fraudulent entries. These unauthorized actions have caused significant damage to my credit.
Product: Money transfer, virtual currency, or money service

Cash app allowed people to hack my personal information and allowed customers such as my self to be ripped off. They had no love person to talk to whenever things occurred. I was with the company for a long time until one morning I woke up and was locked out of my account and was told I could not use the account any more and to retrieve all money that was posted to the account only when you go to withdrawal you can't. I have lost so much money behind cash app and not having the proper security for it's customers. As a mother of XXXX children being ripped off over and over again puts you into a bind.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both XXXX U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

review the following account that appear on my credit report, without any authorization, are not mine CAPITAL ONE Account Number : XXXX This is not mine.
Product: Checking or savings account

on XX/XX/2021 i purchased 3 bags from a seller named XXXX who was on XXXX. i had purchased from her once before through XXXX and never had an issue. ( which now looking back i believe the first transaction went smoothly so i would trust her ) the total of the purchase made on XX/XX/XXXX was {$450.00}. it was agreed that i would send her a deposit of {$200.00} first ( which i did ) and she would then go to XXXX, pay for the shipping label and once she sent me proof of the label and the tracking number i would send her the remaining {$250.00} ( which i did ) i continued to check the tracking number for a week after our transaction and all it showed me was a label was created i reached out to XXXX a few days after it was supposed to ship and she told me to just wait for XXXX to update it. 
after 8 days with no update and no help from XXXX XXXX decided to call the XXXX store that was on the receipt she sent me. i told the lady what had happened and she said yes i remember her coming in here, the label she paid for is still sitting on my desk, she said she would be back and left with the bags i told this to XXXX to which she now admitted her friend was supposed to ship them out for her. she apparently didnt drop them off herself ( who even knows if thats true ) so i told her to either refund me or just ship me my bags. 
after a bit of back and forth she said she would refund half in 5 days and the rest a week after bc money was tight for her. 
well i never saw that money. the last time i reached out was XX/XX/XXXX and she has stopped answering me and even opening my messages. 
i contacted my bank and told them all of this. that i never received the goods i paid for. they denied it 3 times and i appealed each one with no luck. they barley asked for proof. 
the second time I appealed it they only asked for a tracking number which still clearly shows that a label was created and no further tracking or delivery ever happened. 
i have the conversations between me and XXXX. along with her agreeing to send me a refund and that the bags didnt get sent out. but i was never able to give that proof to my bank. 
i feel like they are not doing anything to help me and keep denying my case. they keep saying its a valid transaction which i believe is false. its not valid because i never received my items. 

below are the 2 separate disputes ( since it was 2 diff transactions - {$200.00} and {$250.00} ) also the tracking number, receipt from XXXX and the conversation
Product: Credit reporting 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, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 falsely advertised offers saying that i would be approved for sure credit which was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is becoming increasingly clear that the credit reporting companies are becoming ever more aggressive in their efforts to exploit the unlimited authority granted creditors by the FCRA to extort consumers into paying fraudulent debts -- by granting private companies the authority to access consumers ' personal information without their consent or the authority to consider evidence of any criminal activity associated with said information or report it to the authorities -- to likewise use the credit files of consumers to extort them into purchasing unnecessary services offered by the credit reporting companies as a price for submitting online disputes of the information contained in their credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, when I was obtaining quotes for new car insurance, I discovered that XXXX XXXX has been reporting that I have had lapses in my insurance policy several times over an 8 year period. Because of the public information they are inaccurately reporting, insurance companies think that I am a " high risk '' insured because I let my policy lapse. This information is not valid, correct or legitimate. I contacted my agent and they confirmed that this information is not correct and couldn't explain why it is being reported incorrectly. My policy has never lapsed and their answer was to provide me a letter showing the correct information. However, when I asked them to please call and correct their reporting information with XXXX, they didn't know what I was talking about or how to correct it. They advised me that the letter should be good enough and all I need. But it isn't. Any insurance company that runs me through XXXX to verify my car insurance payment history can see this incorrect information and will give me a high risk quote for insurance. I also think that I am paying more than necessary for my current policy due to this information because the underwriters think I am high risk as well. This has been going on for years and I did not know about it. If I hadn't got tired of paying the increasing premiums and was looking elsewhere, I would just continue to be oblivious. This keeps me from getting a new and fair insurance policy if I desire and forces me to pay more for insurance when I shouldn't be. Also, if my lienholder had seen this, they could have repossessed my car thinking I did not have insurance. The State of Missouri could have suspended my drivers license for not having insurance. And my job could have fired me as I have a background check every year and can not break the law in ANY way. This is a serious problem that could have had catastrophic effects for me. This is very unfair to someone who has been a customer of StateFarm for over 20 years and always pays their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX 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.

15 U. S. C. 1681C. ( a ) ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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

On XX/XX/XXXX, I applied for a credit card transfer with XXXX XXXX XXXX and was denied with incorrect information! I contacted XXXX XXXX XXXX about this matter and the representative told me that I had to file a dispute! But I contacted Experian to ask them to file a dispute. They told me that the Bank knows that they have to take care of this matter themselves and that their Experian representative will be contacting them. As a consumer I have a right to protect my credit report especially when there are inconsistencies on it! Also, I contacted XXXX XXXX XXXX once again about the issue today XX/XX/XXXX and was told that incorrect information would not affect the decision! How can a consumer protect their credit report? Or the Banks are not held accountable for reporting incorrect information? This impacts my credit report greatly! Does the consumer not have any rights! It seems like the banks and big businesses have all the control and rights over the small consumers! They have the control over dedicating montenary value! In other words, who gets what, how much and preventing others from acquiring personal property etc. and affecting their life styles! Not fair!
Product: Debt collection

After checking my credit and receiving a copy of my credit report. I noticed an account that doesn't belong to me. I disputed it with XXXX XXXX as well as the company midland funding for XXXX dollars. The issue has not been resolved and the item hasn't been removed.
Product: Credit card

The company cancelled credit protection on my account and I notified them of an unemployment claim submitted supporting documents and they fail to process my claim. Under the terms of the agreement I am still entitled to those benefits eventhoigh they no longer offer it as long as the incident took place while I was enrolled. I notified them of an unemployment XX/XX/XXXX for loss job XX/XX/XXXX. They purposely did n't process the claim die to the fact they no longer offer the benefit. I feel this is false advertising and fraudulent. They claim they have no record of me contacting them. I feel this is a scam to not be forced to pay on my unemployment claim.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I filed a bankruptcy. XXXX XXXX and XXXX have both updated their accounts with my Bankruptcy. Equifax, however, has not they still keep reporting me late on all of my bills. They still saying that Im delinquent on everything they still show I havent paid my bills. I called them on three different occasions they asked me to send in my proof of bankruptcy as well as copies of my Social Security card my drivers license and a statement I have done this three times Ive called after each time and they said they never received it. I asked if I can provide something that someone can sign so I know that they do receive it and they dont have anything because they work off of a XXXX XXXX this is getting ridiculous. I cant apply for any other loans to build my credit back up because I keep getting denied because all of my bills are showing delinquent because people run through Equifax. I am not sure what else to do. I provided them everything that they have asked for every time I call I wait on hold for over an hour until I finally get someone and they tell me they dont have my documents. Please help me get this resolved.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX