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

some of the credit inquiries on my reports I dont recall like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and XXXX XXXX I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX. I have contacted the FTC and my local police department.
Product: Money transfer, virtual currency, or money service

I was trading with www.coinbase.com i have now stopped and would like to withdraw my funds but my bank account is still not verified even though i have completed the steps they have provided and i am unable to withdraw my funds still. This amounts to near 600 which for me is a lot of money. I have been trying to contact them through every means possible. Email Social media but they do not have any contact telephone numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX  ) completely refuse to update my account. 

I have notify them several times regarding this on going situation. This debt is currently in collections with TRANSWORLD SYSTEM INC. I have spoke with them as well, They said ; that the account CAN NOT BE UPDATED UNTIL THE ACCOUNT IS PAID IN FULL. 

However this is mortally unethical, this is preventing my family and I from a place to live. This debt is current and its has being paid by the Treasury Offset Program.Which a monthly deduction is drafted from my social security check every month on time. 

Unfortunately!!! As the world turns, unforeseen occurrences defaults us all. I fail into a finical strain, and was unable to make my payments. Immediately when I became stable again, I joined this Offset Program to get this debt handle. Also, the balance is incorrect as well. This TRANSWORLD SYSTEM COMPANY IS PREDATORY!!! They are overcharging me. XXXX!!!!! 

Therefore, it appears to me that I am being penalized because I fail on hard times. I served this country, and I feel this is unjust. 

Furthermore, this is constantly showing up on my credit file as a collection unpaid. This continues to show up as not being paid at all. This has been well over a year. This account is being paid as agreed and its my right, For it to show, that it is being paid as I have agreed. 

As a result, will you please get to the bottom of this terrible situation. We deserve a decent place to live. 

Thank you for your time, please get back to me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

On and for the record, I contacted LVNV FUNDING, LLC after noticing that LVNV FUNDING, LLC is listed as a derogatory mark on my Credit Report ( s ). I contacted LVNV FUNDING, LLC in XXXX regarding the alleged debts listed at {$2000.00} and {$2200.00}. LVNV FUNDING, LLC FAILED to produce the evidence required to validate the alleged debt within the thirty ( 30 ) day time frame in accordance with 15 U.S.C. Sec. 1681i ( a ). I have NEVER received ANY service or product from LVNV FUNDING, LLC and I have NEVER had a Contract or an agreement to pay LVNV FUNDING, LLC at ANY time. LVNV FUNDING, LLC is GUILTY of Unfair Deceptive Business Practices and I am hereby requesting that the CFPB aid in correcting this matter. My investigation is evidenced by Certified Mail Number XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

To whom it may concern. This notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and VALIDATION is requested. On XX/XX/2021 you sent me a " verification '' letter, or proof of my address which is unacceptable as VALIDATION made pursuant to FDCPA, 15 USC 1692g. I respectfully request your office provide me with copetent evidence that I have a legal obligation to pay you. At this time, I will also inform you that if your office have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, XXXX ) this action may constitutute fraud under both Federal and State Laws.Due to this fact, if any negative mark is found on on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provided the proper documantation as requested in the following Declaration, I will require 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be detrimental to any of my credit reports, I will consult with my legal counsel for suit.This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
Regards, XXXX XXXX XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX Account Balance : {$32000.00}
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX, XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX  XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXX VIA DEALER XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against Equifax, XXXX, and XXXX for their continued failure to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account. Despite my repeated requests for correction, including disputes submitted on XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of federal consumer protection laws. 
Discrepancies and Errors Identified Late Payment Reporting Discrepancy : A 30-day late payment for XX/XX/XXXX is reported inconsistently across the credit bureaus. However, my payment history reflects timely payments before and after this date, and no substantiated evidence of a late payment has been provided by the credit bureaus or the creditor. 
Inconsistent Data Across Bureaus : The closed date for this account is inaccurately reported or omitted by certain credit bureaus.

Payment statuses and account descriptions are inconsistent, with one bureau indicating Account closed by consumer and another marking it as Closed or paid account/zero balance.

Violation of FCRA Standards : Under 15 U.S. Code 1681i, credit reporting agencies are obligated to ensure the accuracy of consumer file information. This obligation has been disregarded, as evidenced by the unresolved errors in reporting. 
Failure to Provide Notice as Mandated by TILA : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The reported late payment for XX/XX/XXXX raises concerns about the creditor 's compliance with this requirement. 
Impact of Inaccurate Reporting The inaccurate reporting has significantly harmed my creditworthiness and caused undue stress. The lack of timely correction has further eroded my confidence in the accuracy and reliability of credit reporting practices.

Desired Resolution Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report with Equifax, XXXX, and XXXX. 
Written confirmation from each credit bureau confirming the correction. 
If this issue is not resolved promptly, I will pursue further action, including potential legal proceedings and filing additional complaints with relevant regulatory agencies. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I was approved for NC unemployment back in XXXX. I had it to where the money would go to the nc XXXX debit card with bank of america. I never recieved the card, I called several times in regards to where my card was located. All i was told was that it was mailed to me. Turns out either it never made it to my mailbox or someone stole it. Now my entire unemployment funds have been used. I called bank of america to report it, I submitted docutments to show that during a duration of the time i wasnt even in the same state that the card was being used in. Bank of america instantly denied my claim. told me i had five days to turn in doucments, they never mailed me any letters in regards to who and where i had to send these documents to. I had to call and have a repersentive give me the fax number. I orginally filed my claim for fraud on XX/XX/XXXX and three days later I was told that it was denied. I asked to have it reopened sent over the nessecary docutmentions, one day later they denied my claim. I feel as if they instanlty denied my claim without actually doing any investagating. Now im out of close to thirty thosands dollars and XXXX  with XXXX kids.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Fraud. I provided the proper information and my claim was not honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

SafeRent Solutions is reporting items on my background check that are stale, being older than 7 years which has resulted in the denial of my application to a rental property. When contacting them and disputing the reportings, they say that the FCRA laws do not apply and is a state by state case.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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

Submitted Disputes to XXXX for several late payments that appeared incorrectly on my credit report. I submitted a complaint for each company to remove the incorrect late payments and to update my accounts as up to date/no late payments. I noticed that each of my disputes, although for different companies XXXX  XXXXall have the EXACT SAME report number of XXXX XXXX and none of the accounts were ever updated to PAID AS AGREED/NEVER LATE. I know that XXXX never even investigated any of my disputes. I request to have all of my accounts that i disputed to be updated immediately to PAID AS AGREED/NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I filed a complaint with the CFPB on XX/XX/2023 ( attached ) because I was being harassed by a debt collector I was not familiar with. Upon my own investigation I learned I had fraudulent activity on a card that had been maxed out. I explain the situation to your company through this platform. after XXXX tries, you all admitted fault and said you would remove all damaging and harmful items/listings accounts/etc. THAT STILL has not happened and I have waited more than patiently to allow your company to cure the claim that I had. The account is still open, there are still statements being created and a balance on card I never used. Upon making an account to further investigate, there is an {$85.00} PAYMENT from my account that should have been returned upon you all seeing that this account had been fraudntly used. I have continued to be harmed, abused and no concern for my credit reputation that has been damaged or the harm that has been caused and you have continued to WILLFULLY cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information on credit please correct it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which viol

ates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

For my personal information, they have XXXX listed as my spouse. I do not have any credit with XXXX nor any outstanding accounts or closed accounts listed on my report is joint with XXXX as a signer or with my credit history. I did not give Experian Credit Bureau permission to add XXXX to my report. None of my accounts have XXXX name on them. Please remove him from my report. They can not provide anything with my signature on it that states he should be a part of my report. PLEASE REMOVE XXXX FROM MY REPORT. I DID NOT GIVE EXPERIAN PERMISSION TO ADD HIM SO NO DOCUMENTATION ON MY PART SHOULD BE NEEDED TO REMOVE HIM. This is improperand potentially illegalfor EXPERIAN to add someone to my credit report without my explicit permission, especially if we do not share any joint credit accounts.
Product: Mortgage

To Whom It May Concern : I am writing this letter to complain how Wells Fargo Loss Mitigation Department displayed unfair and deceptive practices by auctioning off our home that we have been at for 14 years on XXXX XXXX, XXXX. Without any notices, we then became a statistic as one of the millions of struggling homeowners in America who this has happened to also. Unfortunately, due to the economic downfall and lack of employment in XXXX, we found ourselves unable to pay our mortgage that just got too unaffordable to manage. 
Sadly, in the end, Wells Fargo loss mitigation representative that was assigned to our loan case would ignore all phone calls/emails and our request to be analyzed for a second loan modification loan that I know we were entitled to receive as struggling homeowners. 

We did not get a chance to fight back. We tried to get help in XXXX and no attorney would look at our case without upfront money first from us and we just did not have that extra cash. We are still in our home currently today but not as owners but as renters. The realtors who purchased our home at auction was nice enough to let us remain in our home. We today have had no choice to pay increased monthly rent just to stay within the same school district for my XXXX boys. 

I have all documents starting from our first loan modification loan with Wells Fargo and can show any attorney or whoever will help us to get back what is rightfully ours. 

Please do not hesitate to ask us any questions and we pray that you will consider us for this house that we love. 

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

After numerous disputes regarding fraudelent items on my credit report, the items have still not been removed. The credit reporting agencies are stating the items in dispute are " verified '' even though the items are fraudulent. 

I am including my FTC report as well as other supporting documents in hopes that the CFPB will help me to get a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACIMA DIGITAL FKA SIMP did not give an initial nor annual notice nor disclosure that I had a right to opt out. The Gramm-Leach Bliley-Act states I have a right to not have my non public personal information shared especially resulting from transactions such as Collections pursuant to 15 U.S.C 6809 ( 4 ) ( A ) .Acima Digital FKA SIMP, its partners and affiliates that I am now opting out from my non public personal information being shared with nonaffiliated third parties such as XXXX, XXXX, XXXX and any other credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this item 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 items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. 
XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Credit card

I had filed a complaint a week or so ago against this company for dropping my available credit for no reason. The first information I got from them they literally stated there was no true reason why they did so and the new paperwork I recover after my last complaint states they did it because I used my credit card put money on it and got a cash advance. And also stated that my credit was lower of course it was lower because when they randomly took over XXXX my credit dropped because my utilization went up. Thats what a credit card is for. I also have another credit card through this company with a higher limit than what I have now with this credit card and they havent dropped that credit limit at all. 
My credit score has dropped because of this companies bull. I had a XXXX credit score when they decided to pull what they did and drop my available credit over XXXXXXXX XXXX If I have to keep filing complaints I will until something is done because Im not the first one to deal with this in regards to this company. I prefer to settle this without lawyers getting involved.