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

Equifax had a major breach of their security ( said 'security ' was wholly inadequate, seeing as a patch was issued three months before the breach ), which has apparently resulted in my personal credit information being stolen. Then, they waited six weeks to notify the public, and have not acted to adequately inform the public whose identities have been compromised. 
While I do n't have any fraudulent activity on my account yet, I have been unable to get through to the major credit agencies to " freeze '' my credit reporting and information from further unauthorized use. 
I 'm amazed that the US Government is continuing to allow these companies to use our Social Security numbers as an ID, and that we are not regulating the release of that information in a tighter fashion through a key controlled by the citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in prior disputes with Transunion, XXXX, and XXXX. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. They have no reason to assume the request was not from me considering all the information required to validate and initiate a request was included. I expect them to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after XX/XX/23 as outlined in the FCRA section 611 ( 3 ) ( A ).
Product: Mortgage

My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me.
Product: Debt collection

I received a credit alert about a bill sent to debt collections. Upon reviewing the debt, I found that the company was located in XXXX states none of them being where I have lived my entire life. I then proceeded to call XXXX XXXX where they were not willing to give me any information on where the service was being provided the account number, when the account was opened, etc. This was done in XXXX XXXX XXXX. I then disputed the account with all three credit bureaus with no success.
Product: Prepaid card

I was a victim of internet scam and received fraudulent charges in my debit card. The company that handled the dispute is way2go payment processing services for XXXX XXXX. On XX/XX/XXXX I made a purchase for a computer chair. On XX/XX/XXXX I became aware that this was a fraudulent company. My item never shipped, the website had been taken down and the phone number disconnected. Additional fraudulent charge was also made on my card. As soon as I became aware I contacted way2go and they issued me a new card and refunded the 2nd charge but they refuse to refund the first charge. They also will not provide me information as to why they rejected my claim and subsequent appeals. When I speak with them over the phone they tell me that my claim will be resolved that it does qualify as fraudulent but then I receive a denial letter in the mail. I have completed 3 appeals and each time I am told on the phone that my appeal will go through because Ive provided all the adequate information but then each time it gets denied and they cant provide a reason. Last time they told me that the appeals personal is not adequately reviewing the documents Ive submitted and was assured they would make sure it would get done on this third appeal but again it was not done and they denied it with no cause. I dont have the date of the initial appeal but the second one was XX/XX/XXXX and the third one was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act XXXX  account * has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items 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 items below : XXXX XXXX XXXX Balance Owed : {$810.00}, XXXXXXXX XXXX XXXX Balance Owed : {$6000.00}, XXXX  XXXX XXXX Balance Owed : {$450.00}, XXXX XXXX Balance Owed : {$110.00}, XXXX XXXX Balance Owed : {$46.00}, XXXX XXXX XXXX Balance Owed : {$1200.00}, XXXX XXXX XXXX XXXX Balance Owed : {$36000.00}, XXXX XXXXXXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Balance Owed : {$3400.00}, XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. 

XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stores, Tire Dealers XXXX XXXX XXXX XXXX Auto Financing Companies XXXX XXXX XXXX Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX    XXXX Auto Financing Companies XXXX XXXX XXXX XXXX Credit Cards XXXX XXXX XXXX XXXX   Credit Cards I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX XXXX, No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have started this back in XXXX, where I felt that there items on my credit report that were inaccurate, the credit bureau responded and stated that the items were verified and accurate. On XX/XX/21 I sent another certified letter asking to provide me the process on how these items were verified. Its is now XX/XX/21 and I still have not received any proof. I think it's weird that it would take this long to provide proof when they sent me in writing that these items are verified. In on top of that I believe my rights are being violated, these items are definitely don't belong to me. Please help with fixing this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. 
in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX 
now the situation I have on my credit report two mortgage loans two companies claim my loan. 
- what I did? 
1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 
2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. 

- current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down 36 point.

3- I can't take any loan because of the big decrease in my credit score.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX and i am composing this sensitive message and complaint because of the inaccurate reports that the THREE credit bureaus ( TransUnion, XXXX, XXXX ) are displaying on my credit report. I have contacted these reporting agencies several times in regard to fix these inaccuracies of late payments and lateness on my account. They refuse to respond and fix. I am them to please UPDATE to paid as agreed. As i have never missed an payment. I am always on AUTOPAY. These late payment statements are hindering my account and hurting my score. I have exhausted my remedies and i need HELP! The representatives keep me on hold and do not return and/or hang up on me.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance concerning the accuracy of the information on my credit report. After a thorough review of my updated credit report, I am compelled to bring to your attention the presence of inaccurate and incomplete information reported by your agency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXXI happily went to a local Chase branch to open up a new checking account. As part of the opening I brought in an opening bonus coupon that gives {$500.00} for opening new account with

Chase. Who knew this would turned out to be a disaster, the very next day Chase closed my checking account ALONG WITH ALL MY EXISTING CREDIT CARDS. I have not done anything to the account at this point other than initial funding of the account. I suspect two reasons for the closure. 1 ) Chase simply does not want to pay out the opening bonus. 2 ) I was targeted as a minority and the banker had flagged my account. I had a College Checking with Chase before and at the time I did not open with a bonus coupon and the banker was a minority himself. A closure did not happen then and I had it for a long time until I grew out of the account. There has been no other reasons I can think of that would justify the closure of my accounts. I called Chase
on XX/XX/XXXX and they refused to state the reason of closure, which seem even more suspicious as they can't even come up with a legitimate reason for closure.

I've never seem such outright discrimination from a financial institution as Chase. I am truly disappointed as I was trying to expand my banking relationship with Chase and they did it.
Product: Mortgage

For several months, I worked with XXXX XXXX, a loan officer for the American Financial Network. He pulled my credit 4 times, got me pre approved for an FHA loan and gave me some advice on how to increase my credit score. In the end, I could not be approved because I had a federal student loan that was in default. This was a fact that he should have known in the beginning, when I explained to him that I was in default and would be for 9 more months. He pushed anyway, telling me that the federal loan default would not prevent me from getting a federal loan. By the time that the loan was rejected because of the student loan defaults, XXXX supposedly ran a credit simulator and instructed me to call several creditors with debts I had paid off and have them removed from my credit report. At my time and expense, I did, and was rewarded with a 105 average drop in points on my credit scores, due to having less credit accounts and length, and to the many inquiries. After talking to all 3 credit agencies, at even more expense to get counseling on why my credit score dropped so drastically, I was instructed that the only thing I could possibly do was to get some of my inquiries removed. I contacted XXXX, he apologized profusely for not realizing his error with the student loan default before wasting 7 months of my time house searching and all, and agreed to seek deletion of my inquiries that he made. We had a conference call with an agent of the credit pulling company they use, and she instructed him to write a letter, which I would submit to the agencies, and the agencies would contact her to get the deletions done. He wrote the letter and sent it to me, however, he was mistaken, again, this time about how many inquiries were made. The letter he sent me reflects to delete XXXX inquiries, however, there were XXXX. XXXX XXXX no longer works for AFN. I was forwarded to a XXXX XXXX, where I explained the damage done to my credit by XXXX. XXXX said that he would not help me with a letter deleting the inquiries made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX XXXXDate Opened : XX/XX/XXXX Balance Owed : {$4400.00} XXXXXXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$5800.00} XXXXXXXX XXXX XXXX XXXXXXXXDate Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/ClosedXXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on Date, and noticed some things are incomplete and not accurate. I sent a letter to Experian on Date and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC USC 1681i ( 5 ) it states that this ( 5 ) Treatment of inaccurate or unverified information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too.

Here are the list of accounts that are not reporting accurately delete accounts immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX 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

I believe that FCRA 605B requires the removal of inaccurate accounts from my credit report. Could you examine the documents? Some accounts listed have reporting errors, incorrect amounts, and wrong dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a Hard credit inquiry on my Experian credit report but nothing was done by Experian. I had requested a credit limit increase on my XXXX credit card, a hard credit inquiry was made by XXXX which is unusual. No other financial organization which I use makes hard inquiries for requesting a credit limit increase. The limit was even denied despite my excellent credit history. 

This morning, my Experian score dropped XXXX point for no reason, I made no new inquiries, my spending habits are the same and nothing has changed in my report only my score. This is unacceptable and builds a sense of distrust for this system, is it designed for individuals to fail no matter how hard they try to have a decent and meaningful life? 

Please help me understand what is going on. 

Thank you.
Product: Credit reporting or other personal consumer reports

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

Made a payment on XX/XX/year>XXXX  for XXXX to my credit builder account and the money is now missing and not available
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also, I have attached the letter I sent out via XXXX and here are the Tracking # s : XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Listed Accounts Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX amounts were taken from my cash app account XXXX and XXXX for a total of XXXX. I have written to Square Inc 5 times and each time they send the same response denying that the funds were taken from my account and referring me back to the company that is listed as taking the money. Each time I have explained that the XXXX company does not have the funds and that they never had access to my cash app card or account. They continue to send the same message. Someone has apparently hacked my account and have requested money over 50 times and Square Inc keeps sending me to XXXX saying it is them and I have been in contact with them and they did not request money from that card or account and have never received in funds on my behalf.
Product: Debt collection

I received a letter from Sunrise Credit Services and I do not have a contract with this company.