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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. 
In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT.

Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Please help us. I have a Walmart Credit Card. I opened it because I had no money and I am in wheelchair and no one wants to hire me. I needed computer to try to find a job. So two years ago I got a Walmart Card and I bought a Laptop for over {$1000.00} from Walmart. I got cheated and the computer broke three months after that and I am still paying for that computer. 

The Walmart Card is from Synchrony Bank. For two years I paid the bill on time and never late. Most often they do not even send you a bill, but I still remembered and paid it. 

Now, I live in XXXX, we had the Hurricane Harvey, I lost my apartment, my clothing and another old computer. I lost everything. Plus I had no shelter, no car, and no electric.weeks later when I was able to check my email, I did not find a Walmart bill,  and I was so ill that I was 5 days late paying it. But I had no reminder from them and no bill. 

Still they charged me {$27.00} late fee and now they destroyed my credit. 

Think about it. If they on purpose do not send a bill for JUST 1000 customers a years, than means they will make over {$270000.00} just profit. That does not include the high interest rate of 23 % on the credit card they collect each year. 

Please help! Do not allow to destroy my credit and give me back my {$27.00}. The {$27.00} I can eat with it. I have no money at all. 

Thank you very much XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having major issues with Upstart and their horrible reporting issues. First my payment in XXXX they kept having issues processing payment. They charged me a late fee when the issue was on their side as I kept having to wait for them to add the bank account and verify. I also responded in multiple emails for them to charge my account which they kept making excuses for saying that I responded to the wrong email or missed a word. It was ridiculous and I told them I refused to pay their XXXX late for their issues. I made the payment for XXXX My payment due was XXXX. So they instead reported my account as past due for the month for XXXX which was the balance of late fee which I refused to pay due to their errors since I paid XXXX which was more than payment due. They still have not fixed on my account as paid on time on credit reports, but found the investigation and ended up refunding me XXXX in XXXX for the error. Which is attached in emails. Next I made my XXXX payment for XXXX. I sent them copies of my bank statement as well as the screen shots added and they still said it was late. They told me my bank account was Frozen. Which again is not true because then they withdrew on XX/XX/XXXX and XX/XX/XXXX from that same account XXXX more payments. They have tons of issues and I am tired of them reporting incorrectly. Claiming my bank account is frozen even though they have taken XXXX payments from it and then reporting my account as late incorrectly on my credit causing irreparable harm and stress. Then to add insult to injury you will see in all the emails when they are wrong they do not respond for 15,25, 30 days and half of the emails bounce back. So they do not respond in any timely manner what so ever!!! This is by far the worst company to deal with.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : 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 account opened at XXXX XXXX  on XX/XX/XXXX. This account has resulted in several fraudulent inquiries and a fraudulent account appearing on my consumer XXXX  credit report. I've attached documents with the account and hard inquiries in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account and hard inquiries as reported. The aforementioned account and hard inquiries on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

AD XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1600.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$1600.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$380.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$380.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$400.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$400.00} Date Opened1XX/XX/XXXX Dispute XXXX XXXX XXXX  XXXX potentially negative icon Potentially Negative StatusCollection account. {$140.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$140.00} Date Opened12/15/2020 Dispute Revolving Accountsshow tooltip button
Product: Credit reporting or other personal consumer reports

They dont even know my last payment date my last payment was XXXX and because XXXX didnt want to answer a question about forgiveness I was told I could get them couldnt a month of payment was missed while going back and forth and then purposely sent the account away then refused to provide detail and then I was threatened by security with XXXX approval on
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, BESTBUY/CBNA, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, BESTBUY/CBNA, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma was sued for falsely reporting credit and essentially tricking consumers to run credit for credit cards. Credit Karma consistently reported false information and ruining credit
Product: Mortgage

My husband and I refinanced our mortgage from Freedom Mortgage to XXXX. This loan closed on XXXX XXXX, 2016 and XXXX paid the mortgage at Freedom on XXXX XXXX. Freedom Mortgage has only partially paid us our escrow balance. They sent us a check for only {$460.00} as a refund for escrow. The remaining escrow balance of {$2100.00} has disappeared. I have tried all avenues to have them send our escrow balance but we are not getting any assistance.
Product: Vehicle loan or lease

i have repeatedly had trouble getting my payment information, documents, and requested information from ally. I have repeatedly had trouble paying through their website. I recently found out they are attempting to sue me despite me attempting to resolve this via phone and email. I was told by ally that they will not be suing me and that I can continue to make monthly payments and set up auto pay on their website. Despite this, I am still shown on ally 's website as no active vehicles. meaning I can not pay my lease payment. again. The due date is tomorrow. Ally will claim I did not make my payment and I am attempting to do so. I can not sest up auto pay because ally has removed my car and lease from their website. I am very concerned about the behavior of this corporation. I was told several times in the past 4 weeks that this was RESOLVED and that I will continue to be able to access my lease online and make monthly payments, yet this is again not true. Ally still shows me as not having any active cars which is not true. They are blocking me from making payments in an attempt to continue to sue me despite me being CURRENT AND UP TO DATE ON MY PAYMENTS
Product: Credit reporting or other personal consumer reports

I am filling a complaint with Equifax for failing to properly investigate my dispute regarding inadequacies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here is the account that I have marked as inaccurate : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally submit a complaint regarding the presence of inaccurate names on my credit report. The following names are listed erroneously, and I seek your prompt assistance in rectifying this matter : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX I wish to bring to your attention that I have previously sent a dispute letter via mail outlining these inaccuracies and providing supporting documentation. As mandated by Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 1 ) ( A ), I have the right to dispute inaccuracies on my credit report.

Additionally, I have placed the supporting documents in the Consumer Financial Protection Bureau ( CFPB ) portal for your investigation. The FCRA Section 611 ( a ) ( 3 ) requires consumer reporting agencies to consider all relevant information submitted by the consumer during the reinvestigation process.

As outlined in FCRA Section 611 ( a ) ( 1 ) ( A ), it is mandated that consumer reporting agencies must conduct a reasonable reinvestigation within 30 days upon receiving a dispute notice. Failure to initiate an investigation within this timeframe may result in the automatic deletion of the disputed information. 

Enclosed with this letter is a copy of the supporting documentation sent via mail, further emphasizing my identity and the inaccuracies associated with the aforementioned names. I trust that this information, along with the documents in the CFPB portal, will expedite your investigation and ensure a swift resolution. 

I appreciate your attention to this matter and expect your prompt collaboration in rectifying these inaccuracies within the stipulated time frame.
Product: Debt collection

I did not receive any notice from Paramount Recovery. I recently learned of the account via my credit report. Additionally, they are reporting this account twice. Even more distressing paramount recovery does not specify when they received the account, However, they do mention the account was opened on XX/XX/2022. Which could mean this is when the alleged account would have been opened with the originator. The company also states that the account was past due as of XX/XX/XXXX and only has 30 days of activity meaning there is no way they waited 30 days for a response from the consumer. Past due means late, written off or charged off means collections. They have no right to report this derogatory info on my file.
Product: Credit reporting or other personal consumer reports

I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To Whom It May Concern, I am writing to follow up on previous requests made by phone and mail to all three major credit bureaus ( Experian, XXXX, and XXXX ) regarding the removal of outdated addresses from my credit report. Despite making contact several months ago, these addresses still appear on my report : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have no association with these addresses, and they should no longer be connected to my credit file as I do not reside at any of these locations. Any correspondence or delivery intended for me will not reach me at these addresses. 

Please update my credit report to reflect only my current address and remove these outdated addresses immediately. This issue has persisted despite my initial attempts to resolve it, and I am requesting your prompt attention to ensure my credit report is accurate. 

I expect this matter to be addressed in compliance with the Fair Credit Reporting Act ( FCRA ), and I kindly ask that you provide written confirmation once the outdated addresses have been removed. 

Thank you for your immediate attention to this matter. 

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

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
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. 
The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 Also the Credit bureaus took more than 30 days to complete my investigation i gave them over 30 days to send me the results snd they never sent me anything here is my certified mail tracking # XXXX, XXXX
Product: Credit card or prepaid card

We purchased a XXXX XXXX XXXX XXXX ( hair dryer ) from a company named XXXX on XX/XX/21 for {$410.00}. The product was paid for via XXXX using our Citi XXXX ( MasterCard ) credit card. After not receiving the product for a few weeks, we tried contacting XXXX to cancel the order. While still unable to contact them, we opened a dispute with Citi on XX/XX/21. Citi issued a temporary credit for the full amount while investigating the issue. While the dispute was still open, we were able to get in contact with XXXX ( via XXXX ) on XX/XX/21 who informed us that the product had been returned to them, at which point they subsequently shipped it back out to us. At that point, they told us to wait for the product to be delivered, return it ( at their expense ) and they would offer a full refund. At the same time, Citi was also able to contact XXXX and offered the same information / guidance. I had been given a ( new ) tracking number via XXXX XXXX and could see that the item was in transit so I was satisfied with the resolution and Citi reversed the temporary credit. Unfortunately, the product never arrived with only a few tracking updates via XXXX and has been held up in customs ( XXXX XXXX ). It also appears that XXXX has gone out of business as I have had no success contacting them. Upon contacting Citi, they have told me that the dispute is closed and there is nothing further they can do other than offer a complementary credit for a lesser amount, which I have not taken. Upon asking to speak with a Citi supervisor, they informed me that that their dispute department should NOT have had the original dispute closed until the issue was fully resolved, but that since it was, he reiterated that there is simply nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

Below are fraudulently unauthorized inquires on my report : Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/XXXX BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX   XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$3300.00} Company : XXXX XXXX XXXX XXXX Account # XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$7400.00} Company : XXXX XXXX  Account # XXXX Date Open : XX/XX/XXXX Balance : {$4200.00}
Product: Vehicle loan or lease

I got a car from credit Acceptance XXXX XXXX XXXX the interest rate was very high and after a few months it became to high to pay so now its on my credit stopping me from getting another car and its been like XXXX  years and its still showing on my credit
Product: Credit card

My company opened a credit card with Wells Fargo at time of conception for myself, 100 % owner and guarantor of finances, and a signature only credit card for the secretary of the corporation, no ownership and no financial responsibility to the company. Being new to how a corporation credit card should be opened we believed it was done correctly. 
However when the secretary resigned I tried to close the credit card that was never activated and take him off the account to only be informed that he was placed as a guarantor of the corporation and the only way he could be removed is to payoff the card and open a new one. 
Was this fraud? Did the young man get paid for doing this? 
1 ) card was improperly opened 2 ) closing and reopening an established card causes a lot of issues to creditors and to my credit.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Debt Validation and Dispute Letter for Fraudulent Address on Credit Report To Whom It May Concern, I am writing to formally dispute a fraudulent address that has appeared on my credit report. The address in question is : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Name : XXXX XXXX This address is fraudulent, and I am not associated with this location in any capacity. I request its immediate removal from my credit file, along with any accounts or entries linked to it, as they are the result of identity theft. To support my claim, I am providing documentation of my efforts to address this identity theft. Enclosed, please find the following identity theft affidavits and report : IRS Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) FTC Identity Theft Affidavit ( Submitted : XX/XX/XXXX ) XXXX Police Report ( Report Date : XX/XX/XXXX ) In accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights under the following U.S. Codes : 15 U.S. Code 1681-IN Right to dispute inaccurate information with credit reporting agencies 15 U.S. Code 1601 Purpose and function of credit protection laws, which highlight the importance of accurate credit reporting 15 U.S. Code 1681-IN Procedures for accuracy and consumer rights to dispute credit information 15 U.S. Code 1692-C Restrictions on debt collector communications regarding disputed accounts I am requesting that the CFPB enforce the removal of this fraudulent address from my credit report using Metro 2 Compliance Codes for handling identity theft cases : XB Disputed information provided by the consumer XXXX Fraudulent information ; action required for verification DA Permanent deletion of fraudulent information Actions Requested : 1. Verification and Validation : I request XXXX XXXX XXXX validate this debt within 30 days or instruct the credit bureaus to delete this entry. 
2. Immediate Deletion : If validation is not provided, or if the account fails to meet compliance standards, please proceed with immediate deletion from all consumer reporting files. Please investigate this matter and confirm in writing that the address and all related accounts have been permanently deleted from my credit report. 

Thank you for your prompt attention to this matter. Please confirm in writing the steps taken regarding the requested investigation, verification, and potential deletion of this account from my credit file. 
Sincerely, XXXX XXXX ( XXXX ) XXXX