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

I have reached out the Equifax multipole time over 2 years to fix error in my credit report. other companies like Experian fixed it right away but for some reason XXXX refuses to provide any proof the accounts are opened by myself. 
here are the accounts that are NOT mine Date : XXXX Bank : XXXX XXXX/ XXXX Amount:0 Date:XXXX Bank : XXXX XXXX/ XXXX  Amount : {$920.00} Date : XXXX  Bank : XXXX/XXXX Amount : {$4900.00} Date : XXXX  Bank : XXXX XXXX XXXX Amount : {$6300.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

CKS PRIME INVESTMENTS LLC Account : for {$670.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with CKS PRIME INVESTMENTS LLC and do not have a contract with CKS PRIME INVESTMENTS LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and CKS PRIME INVESTMENTS LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I completed a complaint on Merchants ADJ Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they said they sent my information with my signature on it but i've never recieved a sign contract or anything and honestly even if i did received it i never gave my consent to this company. This is not my collection and i need it removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a Wells Fargo text message telling me someone was trying to XXXX XXXX dollars out of my account and do I authorize this yes or no I responded no within XXXX I received a phone call a rep. stating he was calling from Wells Fargo and he was calling to stop the transaction and that it was someone from XXXX bank trying to take money from my account they told me they put a hold on the transfer but in order for me to completely stop the transfer I would need to download the app and put the same amount to reverse the transfer and go through XXXX to do it, ( Now ) in the middle of rep talking to me I muted the call and called the number that he called me from XXXX just to make sure and the number connected me to a Wells Fargo branch and it did, so I believed the person. I did the first transfer in the amount of XXXX dollars but when I seen the money leave my account I became worried but the rep reassured me the money would go back into my account, but when my account wouldn't let me do the second transfer that's when my red flag went up the rep said it must be a system problem and he will put a hold on my account and call me back tomorrow same time. I called the bank immediately after the call from the number he called me from the rep told me it was a fraud call and she would have to write up a claim, Wells Fargo closed my case after 10 days but noted my file that it was fraud but since I did the transaction then I am responsible but they will try to get my money back from XXXX, but could not guarantee me anything. You gave advice to woman in XXXX who ended up on the news, I am asking for help XXXX dollars is a lot of money me, please help me.
Product: Credit reporting or other personal consumer reports

I recently route a copy of my credit report found the fraudulent inquiry on my credit report. Please remove the fraudulent inquiries of my credit report. Thank you.
Product: Student loan

I have been paying back my student loan since XX/XX/XXXX. I was late for XXXX payment about 2 years ago and it was only by a few days. Other than that, I have never missed a payment no matter how hard it was to make the payment. I tried in good faith to get them to refinance the loan. However, they keep saying they will be coming up with refinancing options, but they never do. The terms of the loan are completely unfair. It is very high interest and a very short term. This makes it nearly impossible for me to live month to month. 
It was originally a {$44000.00} loan and by the end of the loan I will have paid roughly {$100000.00}. Seems a bit unfair to help a student get an education.
Product: Credit card or prepaid card

The company has been billing me for add-on ( debt protection ) feature I did not authorize. In XXXX of 2018, I asked the company to provide proof to validate charge or refund money. As of the writing of this complaint this has not been resolved.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I applied for an apartment and my application was denied. It was denied due to unpaid judgements from one property. There were three. I settled and paid these debts in full in XXXX of XXXX! I reached out to the lawyer 's office which were handling the case, and they updated the court website to show the balances paid and sent a copy of the orders to me as well. I submitted these documents to TransUnion resident screening. Transunion updated the application as approved but has failed to remove the judgements off my background. They are still showing with a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please investigate the listed items and correct all errors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today is XX/XX/2021. I mailed out letters to XXXX, XXXX  and Experian on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have spoken many times trying to get resolved and now they don't even respond because they sold the loan
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : File # XXXX I 'm complaining because TransUnion have failed to comply with, furthermore blatantly disregarded, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing. I sent them a dispute letter requesting that they verify all data for the disputed account and nearly 40 days later I have yet to receive anything of the sort. Because it is well past the time permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. 
I ask that you resolve this matter with urgency as my character is being adversely affected and may be hindering me from securing employment because of their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX  WI XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I submitted a mortgage application to XXXX. in XX/XX/2013. Part of the process is XXXX must submit toinvestor who in this case was Wells Fargo and Wells Fargosuspended my commitment. As it turns out they suspended mycommitment because they asked questions about XXXX cancelledchecks. Problem is I never submitted canceled checks with myloan application which XXXX has confirmed. Only way for WellsFargo to see the canceled checks was to gain UNAUTHORIZEDACCESS to my XXXX XXXX account.
Product: Checking or savings account

I may be eligible for the complaint for collecting funds from our account due to overdraft or low fees funds
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Incorrect Charge-Off Balance on Credit Report XXXX XXXX Complaint Description : I am filing a complaint against Experian for reporting incorrect information about my XXXX XXXX credit card account. 
Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Charged Off Balance Reported : {$1000.00} ( Incorrect ) Last Payment Date : XX/XX/XXXX Balance Updated Date : XX/XX/XXXX Issue : XXXX sold this debt, meaning they no longer own it and should not be reporting a balance. Instead, the account should be marked as Transferred/Sold with a {$0.00} balance, but Experian continues to show it as a charge-off with a past-due balance, which is inaccurate and unfairly damaging my credit. 

Additionally, the charge-off date and balance update date appear inconsistent and incorrect. If the account was charged off in XX/XX/XXXX, there should not be a balance update recorded as of XX/XX/XXXX. This raises concerns about inaccurate reporting practices. 

I have disputed this with Experian, but they failed to correct it. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to report accurate information. I am requesting the CFPB to investigate and require Experian to update my report correctly. 

Resolution Requested : Correct the account status to Transferred/Sold, Balance : {$0.00}. 
Remove the charge-off if it can not be corrected.

Ensure XXXX does not report incorrect balances since they no longer own the debt. 

I am attaching supporting documentation, including my credit report screenshot showing the incorrect charge-off balance and inconsistent reporting dates. 

Thank you for your assistance in resolving this matter. 

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

Ive Recently Checked My Credit Report And Noticed Some Inaccurate Account Reporting
Product: Debt collection

This company is violating my rights this agency hasnt provided validation information which is under 12 CFR 1006.34 ( b ) ( 5 ) but, they placed the collection on my credit report. Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) the collection agency doesnt have the authority to furnish an account to a consumer reporting agencies without having provided any and all disclosures which is required law and XXXX XXXX XXXX XXXX XXXX XXXX violation. 

In addition, my credit report report is supposed to be 100 % accurate. This collection agency has published false misleading misrepresentation and/or deceptive information on my consumer report which has damaged my credit. 

For this reason, I am requesting debt validation, the purchase agreement between the original creditor and your company and lastly please provide proof that your company is licensed and bonded. Please cease all emails, calls and other forms of communications unless you can provide this information in full.
Product: Debt collection

Dear CFPB, I am writing to dispute a debt that has been reported by an agency to the credit bureaus. According to my records, there seems to be an error in the reporting of this debt. The debt in question appears on my credit report as from CENTRAL PORTFOLIO CONT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I believe there has been a mistake in its reporting. I am formally requesting that they provide validation of this debt as per my rights under the Fair Debt Collection Practices Act. Additionally, I request that they cease all collection activities until the validation process is complete. It is my understanding that the Consumer Financial Protection Bureau ( CFPB ) is responsible for overseeing the practices of debt collection agencies. This is my formal complaint with the CFPB to resolve this matter. I am disputing that I owe any and all debt to them. I am also revoking all rights fo them communicating with me through email/text/calls. I request debt validation and any purchase agreement between them and the original creditor. I also request they furnish proof that they are licensed and bonded. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX original creditor XXXX XXXX XXXX XXXX XXXX there are so many inaccurate reporting 's on this account on my credit report. Under XXXX  my payment status shows a collection/ charge off but under XXXX it shows this payment is late 120 days. Also under date last active one shows that it was XX/XX/XXXX and the other shows XX/XX/XXXX. As with the fcra law any item that shows inaccurate imformation should be deleted from credit report. 15 U.S.C 1681. please delete these items off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am worried because Discover I feel is reporting inaccurate information on my report and want them to double check this.
Product: Debt collection

On XX/XX/2020, I reached out to Barclays to resolve an outstanding charged off debt for {$790.00} that was outstanding for over a year at that point. I was told that I was unable to pay off the account, even in full because they were not able to accept a payment and also did not have the account assigned to a 3rd party collector. 
A month later, I called back to see the status and was told the same thing - I could not resolve the account. 
Another month later, I called back a third time with the same non-resolution. 
In the 2nd week of XXXX, 2020 I called back again and was given an address to main a check to and now that payment has been accepted and am waiting for the bureaus to receive an updated XXXX balance. 
I feel like Barclays held this account XXXX by not allowing me to resolve it and has had an unnecessary detrimental effect on my credit history.
Product: Mortgage

Its been weeks since I initiated the short sale in my XXXX and Nationstar has not responded. They added another foreclosure sale date for next week, XXXX XXXX, 2015. Nationstar continues to tell the borrower that they have not received the short sale package however, they refuse to initiate the file in XXXX.
Product: Credit reporting or other personal consumer reports

Accounts said I owe company I did not get loans from and they been placed on all XXXX credit reports. Information is false.
Product: Credit reporting or other personal consumer reports

I have called To request that they removed mis spelled name and old address and employer from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've paid the balance with Discover in the amount of {$550.00}, XXXX XXXX XXXXXXXX in the amount of {$400.00}, and XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) in the amount of {$10000.00} between XX/XX/XXXX and XX/XX/XXXX via checking account in a settlement in exchange for a removal from my credit reports including XXXX XXXX  and XXXX   However, it still reflects as a closed and delinquent account. Please assist with the incorrect reporting and removal of these accounts.
Product: Debt collection

I was told that I would be garnished and taken to court if I didnt make payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Growing up in the lower class my family had no understanding of credit. Therefore, they were not able to teach me. It wasn't until a few days ago that I learned about credit and how to read my credit report. While reviewing my credit report, there were fraudulent items and collections on my report causing me to have a poor score and affecting my life negatively. I'm currently not able to get apartments/ houses, funding, and even job opportunities & I Do Not understand how my personal information was illegally used by a stranger and would like immediate help removing these items. I have XXXX fraud apartments on my report. ( XXXX XXXX  ) Acct # XXXX ( XXXX  XXXX  XXXX  XXXX XXXX ) Acct # XXXX ( 09 XXXX  ) Acct # XXXX I have XXXX Fraud Phone/ Mobile System on my report. ( 11 XXXX XXXX ) Acct # XXXX ( XXXX  ) Acct # XXXX I have XXXX Inquiries on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these do NOT belong to me.
Product: Credit reporting or other personal consumer reports

The credit reporting agency claims to have verified authorization to access my credit report, but I never granted such permission.