23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Back in XX/XX/2019 I had left for a work trip to XXXX and XXXX for a month and a half. Upon my return to the United States in early XXXX, I found a number of urgent alerts from my credit monitoring company, XXXX. The alert messages made it immediately clear that I had been a victim of identity theft. I soon realized that my once perfect credit score had plummeted, all of my accounts that never had a late or missed payment were closed, and worst of all I no longer had access to my accounts as the person who committed the fraud changed all of the contact information. I immediately called to report the charges and any new fraudulent accounts to the appropriate banks. Getting access returned to me was nearly impossible. As of today, I have been able to restore the contact information with help from a Credit Bureau Dispute but still do not have access to statements and account status has been so restricted I can not even make payments for money that I might owe. I've made little progress since reporting the fraud. Three out of four banks have not restored my access to the account, all accounts remain closed, all accounts still have fraudulent charges and are accruing interest on the fraudulent charges. Collections agents have harassed and threatened me, and fraudulent charges have been added to my credit report. All of the banks have told me I am responsible for all of the fraud charges despite a police report that details what happened and the arrest of the individual who did it, letters from my attorney, and documentation showing I was out of the country. As of XX/XX/2019 all of these banks were still making contact with the fraudulent user even after I reported the fraud. I have been unable to get access to statements while the banks themselves were making calls to the wrong person. Fraudulent activity was reported in a timely manner and well within the time allotted by federal law. All of the notes on my accounts regarding the issue are no longer there, there is no record of the documentation I sent in to the banks despite my attorney receiving confirmation from mail carrier and tracking number that letters were signed off for upon delivery.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is denying me my rights under the FCRA to view the results of completed disputes. 
Several of my disputes have been completed but I have no way of seeing the results. ( see attachments ) When a dispute is completed Equifax normally post a pdf file next to the dispute. The PDF has the results of the dispute. There is no pdf files next to my completed dispute results. I filed a complaint through this portal on Equifax and you the ( CFPB ) closed the complaint and did nothing about it. Equifax is still denying my rights to view completed dispute results and you are still doing nothing about it. I want the CFPB to do their job and make Equifax make the results of completed disputes available to me.
Product: Credit reporting or other personal consumer reports

Dear Equifax and CFPB, I am writing to formally address significant inaccuracies and misleading information in my recent credit report that require immediate attention and correction. The presence of outdated, unverified, and erroneous data not only misrepresents my financial standing but also poses a detrimental impact on my creditworthiness. 



The following discrepancies have been identified in the report : 1. **Misleading Descriptions** : The report includes vague entries under critical fields such as " Date Opened, '' " Balance, '' and " Payment Status. '' The ambiguity of these terms can mislead consumers about their actual financial obligations and responsibilities. 



2. **Outdated Information** : The report lists a " Last Reported '' date of XX/XX/XXXX, while the " Date Last Active '' and " Date of Last Payment '' are recorded as XX/XX/XXXX. This inconsistency raises significant concerns regarding the accuracy and timeliness of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reports be accurate and up-to-date. 



3. **Inconsistent Account Details** : The report documents an account balance of {$5800.00} alongside a high credit amount of {$0.00} and a derogatory status. This conflicting information creates confusion and undermines the reliability of the report. 



4. **Inaccurate Payment History** : The two-year payment history is presented in a manner that lacks clarity, making it difficult to assess my actual payment behavior. Such unclear reporting can unjustly affect my credit score and overall financial reputation.

5. **Consumer Rights Violations** : The inaccuracies present in this report are in direct violation of my rights under the FCRA, which protects consumers from the reporting of incorrect, misleading, or unverifiable information. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) entitles me to dispute inaccuracies and seek validation of reported debts. 



Given the severity of these issues, I kindly request that Equifax initiate an immediate investigation into these discrepancies and take corrective action to delete the erroneous information from my credit report. The inaccuracies in this report could significantly harm my financial health, and it is imperative that my credit report reflects accurate and verified information. 



I expect a prompt response and resolution to this matter. Thank you for your immediate attention to my request. 



Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent a dispute letter to Equifax on XX/XX/XXXX and didn't receive any response. I am deeply concerned about the numerous inconsistencies found on my credit report. I've noticed a few inconsistencies that need to be fixed right away. 

Below is a detailed description of the particular errors in question : Under Personal Information, My Name is reporting wrong. Correct as soon as you get this. Date of birth is not the same for the other bureaus. Correct all errors. Current address is reporting wrong. Correct all errors. Previous address is reporting wrong. Please do your investigation. The Employee information is wrong. The FTC says that you have to investigate. Im asking you to do that. I have provided my social security number and proof of address to further fix this issue. My name is XXXX XXXX XXXX. 
My address is XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX NV XXXX Under Accounts, XXXX XXXX : XXXX, CFPB states that you must investigate inaccurate accounts, and this account is inaccurate. This item MUST be DELETED under the law. XXXX XXXX  XXXX : XXXX, It appears that this account has issues that needs to be fixed. Respectfully request to provide me with competent evidence that you are reporting this account correctly. If not delete it. 
XXXX  : XXXX, It appears that this account has problems, and it needs to be addressed. Demand this item to be DELETED from my credit report ASAP. 
XXXX : XXXX, It looks like this account is not reporting the way it should be reporting because it's different on the other bureau reports. Request to correct the inaccurate information immediately by deleting it. 
XXXX XXXX : XXXX, Im demanding a deep investigation into this account due to its inaccuracies. The item must be DELETED IMMEDIATELY. XXXX  : XXXX, Please investigate this inaccurate and misleading account today. Please respond immediately, do your investigation, and remove the inaccurate account so that I do not need to pursue my legal rights under The Fair Credit Reporting ACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported an account to my credit report which I believed was an invalid debt not belonging to me. I sent them by certified return receipt mail a debt validation letter dated XX/XX/2018, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Product: Debt collection

this debt does not belong to me i have already ask them to prove the debt, and the documents that was sent back were not of any proof, please delete this account from my credit report 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

I submitted this complaint to update this suspicious information. The Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX
Product: Credit card

In the past month I had 3 fraudulent charges on just Best Buy credit card. They closed account & sent new cars. I didn't even open envelope with new card & a week later I had fraudulent charges. Called & they canceled that card & were sending out new card with lock on it. I haven't even received that card & got text that fraudulent charges on it. I think this fraud is internal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT : XXXX CARD-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX
Product: Mortgage

My loan was transferred from XXXX XXXX to PHH. I have typically received a statement and pay online. I did not receive any kind of statement from them and they charge XXXX for online payment unless I go to paperless billing. I was told all fees and charges remain the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this compliant for misleading false reporting information.
Product: Debt collection

This is an alleged debt that doesnt belong to me. 

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
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 right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

Account access limited on PayPal I am using PayPal as my e-wallet for receiving payments from XXXX
Product: Credit reporting or other personal consumer reports

I have properly certified mailed ' return and receipt mailed to the credit agencies in these attached documents. In accordance with the Fair Credit Reporting Act, these illegitimate Accounts have violated my rights. Negligence and Willful Non-compliance. 

XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct # 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 credit reporting agency can not furnish an account without my written instructions. 

15 U.S. Code 1681c2 - states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of I am prepared to sue all parties involved. All Actual, Statutory and Punitive damages will be enforced. Up to XXXX per month per illegal reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove outdated information from credit report, information is inaccurate and outdated, this is stopping me from progress, This is not my first time contacting you all about this, thank you to whoever can help! God bless you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in school/ deferment from XX/XX/XXXX-XX/XX/XXXX and Wells Fargo falsely reported I was not making payments. In XX/XX/XXXX Wells Fargo sent a letter that stated this and that they sent information to four different credit reporting agencies. I called the number provided to the Wells Fargo Credit Dispute Resolution Unit which really only went to the Education Loan department. 

It seemed to me that they resolved the reporting issues but I am still financially damaged since it was corrected recently I have loans associated to my house/ Wells Fargo , School Loan/ Wells Fargo , Credit Card/XXXX XXXX and car loan/ XXXX XXXX XXXX XXXX. All of which I have been paying too much for since they reported derogatory information for almost seven years. 

I attempted to get my school loan which is variable adjusted down as well as my house loan but Wells Fargo declined my effort to mitigate the ongoing extra costs to my loans. XXXX XXXX XXXX XXXX said I would need to re-apply for a car loan, but rates have gone up so much I had a better rate already even though my credit score must have improved some. They did verify that one of the reasons I was turned down for a loan recent air conditioner loan was that derogatory reporting. It was over 100F and we had no ability for 4 weeks to get an AC unit for the house. 

During the period of time I was primarily unemployed from XXXX XXXX XXXX I was turned down for jobs and had to cash in everything we owed to survive, land, cars jewelry etc. In my profession you can not have companies bill under your license if you are delinquent in school loans payments. The XXXX would require repayment for any payments submitted under my license. I believe that Wells Fargo is responsible for many tens of thousands of dollars in my period of under employment associated to turn downs and sold property not to mention continuing loss from extra fees. 

I tried to get a credit report from XXXX to see what was reported and corrected about three weeks ago and have yet to see a credit report. XXXX XXXX XXXX XXXX suggested I go to XXXX XXXX. I do n't know why I should have to do that when I called to the numbers provided by Wells Fargo to the four credit companies. Not sure why I have not received a report from XXXX. On the call to them they wanted me to pay for getting my credit score. I feel slighted by that since Wells Fargo created this mess. 

I asked for numbers to the Dispute Resolution Unit and the local bank in XXXX, Nebraska could n't find it. It tells me there is no ability to get accountability and mitigation for the damage they have done to me financially and it is a disingenuous offer for resolution. 

I have also tried to refinance my student loan I have with Wells Fargo with XXXX and was flatly turned down. I believe because of their false reporting. Since we have many medical bills it is difficult to afford legal representation. I thought I would try this Agency for help resolving my ignored mitigation efforts.
Product: Credit reporting or other personal consumer reports

Victim of the Equifax databreach issue. Haven't been able to get these accounts off. Was told that you guys could assist me.
Product: Bank account or service

Hi, my name is XXXX XXXX, l would like to file a complaint against wells fargo bank in XXXX XXXX, fl.XXXX for mishandling funds in my checking account. they close the account so l want have showing proof what l had in the account and have access to loginto my account to my knowledge l had {$5000.00} XXXX dollars at that time. the moneythat l had my account was for college, l, am a XXXX in college taking XXXX. lwould like to receive my funds back in a check or whatever. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry Date : XX/XX/XXXX XXXX inquiry date : XX/XX/XXXX, XXXX XXXX, XXXX XXXX 2inquires different dates ) XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased shares of the stable coin XXXX through Coinbase on XX/XX/2021, for the amount {$970.00}. This purchase gave me XXXX shares of XXXX, and I have a screen shot of the original receipt that shows how many shares I purchased, I also have a screen recording of them changing the amount of shares. They then went in and called it a glitch, and locked the trading of XXXX. I had {$61000.00} worth of GYEN that I could not withdraw or do anything with because they locked the trading abilities. They claimed it was a decimal glitch, and then went in and changed the amount of shares in my account, it now says I have XXXX shares. Their policy states that all purchases are final with no exceptions, yet they went in and changed the amount of shares after the initial purchase going against their own policy.
Product: Credit reporting or other personal consumer reports

I need your assistance in reviewing accounts from companies that have inaccurately reported late payments. After checking my credit report, I noticed certain accounts incorrectly marked as late. These accounts should not have any late payment remarks. Please remove these inaccuracies and update the accounts as positive, as agreed.
Product: Checking or savings account

I contacted USAA about my debit card being declined at the grocery store. When I called I was told that we only had {$5.00} in our account. I told the rep at USAA not we should have nearly XXXX. He then proceeds to tell me that there are 3 charges one for {$10.00}, one for {$740.00} and Finally {$3100.00}. I told the guys that these charges where not authorized by me or my husband. I called and reported the fraudulent charges, however ; USAA stated that they can not return our money until they do an investigation. Which is untrue as over the month of XXXX we have both had to have our debit cards replace 2x each and several charges returned to our account. I told the rep that I researched the company that did the charges and they do not exist. USAA has become the worst financial institute to deal with. They do not apply the same rules to every fraudulent case which is unacceptable. I have been banking with them for over 15 years and have never had this many problems. I feel as if our banking account is being access by someone within the company or they have a breech that they are not telling their customers about. I am at the point that I am going to sue them for fraud and for not keeping our account safe. When we first had to report fraudulent charges at the beginning of XXXX they told us that they would notify us of any unusual transactions, however ; they will block our card if we use it at say XXXX buying less than {$50.00} dollars worth of food but when we get charged nearly {$4000.00} they do nothing but tell us there is nothing they can do but open a fraud claim. This is un-true because when I have called in about other fraudulent charges they refund our money right away. and now that someone has cleaned out our account and I reported it within less than 24hrs they wont do anything to help us get it back. They allowed our account to be cleaned out and told us that we have to wait 10 days to get our money back. I told them that this company is our of XXXX which should have been a clue right there. I am a XXXX Veteran and my husband is a XXXX XXXX XXXX XXXX This has caused us a financial burden and has also created undue stress to both my husband and I which has also caused my husband to nearly end up in the hospital from all of the stress USAA has caused us over the last month. They need to be held accountable and treat their XXXX with more respect and undue stress. We have not money, we can not buy food, pay our bills, or even buy gas. This has caused a major hardship on me and my husband.