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

Equifax is stating they can not located my credit report and credit file by my name, social security, address or anything. I was told to fax them in my drivers license and social security card " to verify my identity '' and call back. I waited 3 days and called them back only be told the same thing that they can not locate me and that " I must not have any credit ''. Then I was told that if I can pull my XXXX credit report to fax or mail that into them so they can look at that. 

I've called my credit cards and they said they report their data to equifax. 

I have 17 years of credit, have 2 mortgages, student loan and 2 credit cards. I have CREDIT. This has been very frustrating. 

What is the solution here?
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened this account without my knowledge using my personal. This account is FRAUD & I want this deleted from my credit.
Product: Debt collection

I paid the debt they ( Convergent Outsourcing ) tried to collect directly to the original creditor ( XXXX ) after not getting any response back from this collection agency in a timely matter. This company never owned this debt outright but still reported on my credit reports without notifying me of the debt. The company began reporting during the same time that another collection agency was trying to collect on the same debt. According to my reports, the company opened their account in XX/XX/2016, however, another collection agency still had the debt at the time. The other agency did not stop reporting until XX/XX/2016 at which point Convergent had already started reporting that same debt. I got Convergent 's address through my credit report and I sent letters to Convergent trying to resolve the issue with them even though they never called or sent out notice of the debt. I did research on Convergent and read horror stories about how they buy old debts to try to collect on them, harassment, deceitful tactics, etc. and based off of SEVERAL consumer reviews and no prior notice from or knowledge of this company, my safest bet was to pay the original creditor directly which is what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is breaking Federal Laws by furnishing late payments on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion Violating consumer rights and I want immediate action.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 


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

XXXX XXXX XXXX sent a letter to all 3 credit bureaus via CFPB asking for immediate removal of the account on my credit report. I had my credit pulled trying to obtain a mortgage and Equifax is still reporting the account. I contacted Equifax and they said I needed to call XXXX XXXX XXXX  again.
Product: Student loan

Deceiving borrowers about its XXXX XXXX : The defendants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for successful job placement outcomes and good salaries. In reality, the companies often did not XXXX XXXX for outcomes or value or used unreliable data in doing so. I was not offered some of things that they said would be offered in the XXXX I attended like XXXX XXXX  I basically paid XXXX just to take my XXXX XXXX XXXX and that was it. These programs should be help to a standard if they are gon na take this kind of money from people that are working hard to better themselves
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been Seriously Scammed a few times by people I have trusted, However, these people had sent me bad checks and I had cashed them not knowing they were bad and I was punished for it by my Banks and it was not my fault! It shut my bank accounts down and the cashed checks that were bad went on my credit report. The amount is so high I can't remove it, and I have no help from anyone. I am on long term XXXX and have been for over 25 years, I just wish to get mt Credit Score straightened out, I know I will never see that scammed money to pay the banks back which totals {$21.00}. 
Warm Regards, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unlawful Use of A Negative Item On My Report From XXXX XXXX ( XXXX XXXX ) creditor i didnt sign my info to
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX OF XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each of the consumer reporting bureaus to remove all inaccurate and invalid information from my credit reports. I have not given them my written consent to report any of these items. They stated on numerous occasions that they have verified the information, but have not provided me with any original documents or contracts. They only keep updating these inaccuracies which are causing adverse impact on my life. Each of these items is being reported with visible inaccuracies such even after my request for validation. 

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. 

XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 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 XXXX 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

Hello, On XXXX XXXX, XXXX, XXXX XXXX sent me a letter saying the following : We want to let you know about a processing error that we found during a review of your account, and we want to share actions we 've taken to address the issue. 

Credit reporting on your account We 've determined that a processing error resulted in an additional month being added to a delinquency that we reported on your account. This XXXX have impacted reporting on your account for XXXX XXXX. 

This error is making it hard for me to refinance my mortgage and it has not been changed by XXXX XXXX according to the three major credit reporting agencies. 

When I called XXXX XXXX in XXXX XXXX, they were completely unhelpful, and they said the burden of proof was on me, even though I received a letter from them. I have all the payment information from my bank and the letter from XXXX XXXX as proof of their error, and I need this to be rectified ASAP. 

Thank you in advance for your assistance with this matter.
Product: Vehicle loan or lease

I purchased a XXXX Lexus XXXX XXXX from Lexus XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX on XX/XX/year>. When the sales manager whom I was working with for the purchase sent me the first draft of the purchase agreement, it was sent to me on XX/XX/year>, with another vehicle 's make, model, and vin number listed on the agreement, and an additional Cosmetic Coverage for Wheel Plan was added unto the agreement. I asked for an updated agreement with the correct vehicle listed for purchase and that I did not want the Optional Cosmetic Coverage for Wheel Plan, I also requested that I did not want any of the additional options or warranty coverage plans for the vehicle. On XX/XX/year>, I went to sign the loan agreement with the Financial person and noticed that he was having me complete an 'Application ' for warranty plans. I inquired and advised him that I also advised the sales manager that I do not wish to have any additional plans added for the vehicle, he advised me that it was just a normal procedural process that he will ensure that no additional coverages or plans are added. I have not made a car payment since the purchase of my vehicle, to date, because when I discovered that despite my requests they had added a Tire Protection Warranty Plan that cost {$3900.00} to my loan I did not wish to make payments when they owed me this refund. I called XX/XX/year> to have this warranty cancelled. I have since followed up with the Toyota Warranty office and also Lexus Financial and also Toyota Financial to get this issue resolved. I have spoken to numerous of employees, supervisors and even conducted 3-way calls with both supervisors from these departments. The latest information I received was that although I called them on XX/XX/year> to resolve this issue, they completed processing the cancellation on XX/XX/year> and that the refund check was generated and sent out to Toyota Financial on XX/XX/year>. They are supposed to receive this refund and apply it to my payments which would take care of the entire past due amount and leave a small credit remaining on my account. It is now XX/XX/year> and it still has not been applied to my account. Meanwhile I have lost 5 hours of work hours trying to resolve this issue, and my credit is deteriorating due to Lexus not resolving this issue that they created. I believe I have been wronged and I also was told by the employee who filed a complaint against the sales manager and financial employee for creating this issue that she has filed countless complaints of other consumers who has experienced this same situation. This establishment is committing fraud against their consumers which ultimately affects not only their livelihood but their credit. Please assist with resolving this issue. It has been more than 30 days ( per their policy and procedures ) and I am still left with dealing with this issue that I should not have to deal with.
Product: Credit reporting or other personal consumer reports

To XXXX, Experian, and XXXX, After reviewing my credit report, I have noticed inaccurate information that has been verified as accurate by your bureaus, despite providing evidence to the contrary. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) and 611 ( a ), which require the information furnished on credit reports to be both accurate and properly verified.

Attached is proof that clearly demonstrates the inaccuracies in question. I ask that you promptly remove this incorrect information from my credit report, as your failure to do so is in violation of my consumer rights. Please ensure that my credit report reflects only verified and accurate data as required by law.

Thank you for addressing this issue urgently.
Product: Debt collection

I received a notification on my XXXX Credit Report that my credit lowered because of an unpaid XXXX account ( balance of {$2000.00} ) now in the hands of collections agency, Jefferson Capital System. Through XXXX I have tried to dispute but they claim this is correct and should stay on my account. I have never had a phone contract with XXXX company. My cell phone account is through XXXX XXXX. I do not know why XXXX thinks this account should be on my credit report to begin with. XXXX has denied my dispute to take off my credit report.
Product: Credit reporting or other personal consumer reports

Upon reviewing again my Equifax credit report, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next XXXX business days.
Product: Debt collection

In XX/XX/XXXX, I closed my XXXX account. At the time, XXXX said there was a router/modem that needed to be returned. I explained that the item had been taken by a technician due to it not working. XXXX  verified this by checking when it was last turned on/used. They said the issue was resolved and there was no more owed. Now, in XX/XX/XXXX, I received a letter from CBE Group saying I owe XXXX  ( Charter ) {$59.00}. When I contacted XXXX, they said it was for a missing router/modem. I explained to them again, but have not had luck in getting this debt discharged.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT BUREAU SYSTEMS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit card or prepaid card

American Express sent me a prescreening and offer disclosure then after filling in my information including SSN and EIN I was denied issuance after I accepted terms. 

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

In accordance with the Fair Credit Reporting Act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality. 

Bankruptcy case # XXXX 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. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

They playing games trying to collect on debt that is no longer mine as it is past the statue of limitations and can't be collected anymore. Like they should be fined and pay me dagames for this and they need to stop hollering at me and contacting me like this! Please help!
Product: Mortgage

On the closing documents, they state that they estimate the taxes and insurance ( Enclosed ). as {$1300.00} a month. 
Then they state they didn't pay it. 
And they stated I owe XXXX more and an additional XXXX a month payment. 
From {$5500.00} a month. 
to XXXX a month. 
I have been stupidly paying the XXXX a month, when it clearly states on the GOOD FAITH loan estimate is taxes and insurance is included and my payment is XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 2 different dates of last payment between the credit bureaus XX/XX/2019, and XX/XX/2019 this account is re aged.they are reporting 2 different high credit amounts {$1100.00} and {$610.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Checking or savings account

The problem is they keep sending bank statements which dont exist because I dont have an account with them.This Is Capital one.Like they sent me statement from XX/XX/XXXX to XX/XX/2022. I dont have any credit card or acct with them. Tried to call the Capital o e bank and they want personal information and other datas which is not acceptable.We dont provide SS number or date of birth.This is Capital one pretending to you have bank statements and credit card with them whic I dont have.
Product: Debt collection

As of XX/XX/2020 I received a notification that I had a new collection on me. I have not been to the hospital while uninsured in more than 5 years. I have not been to any type of emergency room or a hospital in over 2 years. This is not me. I demand to receive proof of this supposed debt. Legal actions will be taken if this is not removed from my credit. I have been working very hard cleaning up my credit and this is unacceptable!!!
Product: Debt collection

XX/XX/XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to dispute the collection of an alleged debt of {$2000.00}, which I believe is invalid and unjustified. The debt collector claims that this amount is owed to XXXX XXXX XXXX XXXX  ; however, after investigating this matter, I found that XXXX XXXX XXXX XXXX  has no record of this debt. 
In fact, upon vacating the premises at the end of my lease, I was issued a full refund, which confirms that my account was settled in full. I had p [ aid my rent until my lease was up but gave 30-60 days notice that I would be leaving. XX/XX/XXXX, my apartment was vacated, walked thru and keys were returned. I have attached a copy of the refund receipt for your reference. 
I request that you investigate this matter and take immediate action to stop the collection of this invalid debt. I would appreciate it if you could also provide me with information on the debt collector 's authority to collect this debt and any relevant documentation. 


I appreciate your prompt attention to this matter, and I look forward to hearing from you soon.
Product: Credit reporting or other personal consumer reports

This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : 1XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
2. XXXX XXXX XXXX Balance : {$680.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
3. XXXX XXXX XXXX Balance : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 
4. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX Balance : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.