23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX  XXXX Balance Owed : {$5900.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$560.00} DEPTEDXXXX XXXX Balance Owed : {$5400.00} DEPTEDXXXX  XXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXX Balance Owed : {$1100.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3700.00}
Product: Debt collection

I NEVER lived at this address. I NEVER signed a lease for this apartment complex so the deposit owed is not correct. 

Amount for {$600.00}. Then they changed it to $ XXXX or so. 

They allege that the lease started XX/XX/15, and that I moved in XX/XX/15. I did not.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX Balance Owed : {$10.00} ; US DEPT ED  XXXX Balance Owed : {$3500.00} ; US DEPTED XXXX Balance Owed : {$20.00}.
Product: Credit reporting or other personal consumer reports

I have information on my credit report that doesn't belong to me. My wallet got stolen with all my information in it. I also made an FTC report for the accounts and a police report. 

XXXX reported XXXXXXXX XXXX XXXX {$360.00} XX/XX/XXXX XXXX XXXX  XXXX {$22.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$490.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX  XXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXX TransUnion Report XXXX XXXXXXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX {$490.00} XX/XX/XXXX XXXX XXXXXXXX XXXX {$580.00} XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX {$160.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

US DEPT OF EDXXXX XXXX Account Number - XXXX Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed above still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections.

Your cooperation and prompt attention are required by law.
Product: Debt collection

Greetings, I received a letter stating, the accounts below were verified in which disputes still arise to exist for the following : 1. ARS ACCOUNT RESOLUTION # XXXX I did not authorize for the original creditor to release any private medical information to any third party. Please be advise ; this goes against HIPAA under a violation as Im allowed to dispute when it involves PHI ( Protected Health Information ). This needs to be removed from my report immediately. 

2. ARS ACCOUNT RESOLUTION # XXXX This also goes against the violation of HIPAA in which I have every right to dispute the PHI obtained by all unauthorized third parties. Without privacy forms filled out nor granted ; the original creditor was not given permission to release PHI ( Protected Health Information ). This needs to be removed from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

i obtain my credit report and noticed several accounts i did not authorize
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

My complaint is about XXXX, formerly named XXXX, also part of Shellpoint Mortgage Servicing. On my XX/XX/XXXX statement, I was told to pay a partial payment of my usual monthly mortgage. My usual payment is {$1400.00} per month. My XXXX statement said to pay {$370.00}, as a {$1000.00} payment had already been applied. I paid {$400.00} for my XXXX statement. I soon received a letter informing me I did not pay my XXXX balance. By XX/XX/XXXX, I received a letter saying I owed {$2500.00} because I didn't pay the whole balance due in XXXX. So I had to take a loan from my parents to cover this cost. I paid this total amount then on XX/XX/XXXX. When I called XXXX and asked about the discrepancy in the XXXX statement, they were not sure why the problem happened and they would get back to me. They did not. When I called back around XX/XX/XXXX, the service agents couldn't explain why there was a {$1000.00} payment made to my account, and later retracted. When this payment was retracted that caused my partial payment to not meet the monthly cost and I was sent a failure to pay notice. At this point XXXX told me it was going to be ok. But what happened to the {$1000.00} partial payment applied in XXXX? After I had already paid the {$2500.00} for XXXX, I called again to XXXX to understand what happened. They replied with " we don't know ''. I called again today, XX/XX/XXXX to find out what they discovered happened to the missing {$1000.00} from my XXXX statement. They told me they didn't know, they also said they might have applied someone else 's payment to my mortgage. They were not sure of their own book keeping. I was charged a {$56.00} fee. My credit also took a hit, as I was considered delinquent for paying the amount XXXX billed me. XXXX 's poor book keeping caused me I injustice to my credit score, when I'm trying to finance a new car, and now my monthly payments might go up {$100.00} a month. XXXX  mortgage company made multiple mistakes, charged me a late fee, messed up my credit, and their resolution to their mistake is " I apologize. '' Meanwhile, I am the one financially burdened by their mistake. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found accounts I never open this is not mine this is a fraud accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a card my husband is an authorized user I can’t get them to report it to trans union or XXXX it was on there but they removed it for over the last 60-90 days I have been calling trying to get this corrected I have called no less than 10 times and each time I get a different story most ending with we will get these reported but yet they don’t and I call and let them know and I get no where I am told there is no one I can talk to who handles this we have advised them of the fair credit reporting act yet no one will correct this we have a consultation with and attorney due to these violation all we really want is to have this card reported to my husband XXXX XXXX credit like it is supposed to be we are trying to build his credit to buy a house but they just won’t find out what the problem is and fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a student loan account in collection and had derogatory status. I reconsolidated my student loan accounts and the company I went through, paid those accounts off. One account did get removed from my credit report while the other still remain. With all the documentation I have to verify, this account keep getting denied.
Product: Debt collection

I AM A VICTIM OF FRAUD AND I HAVE IDENTIFIED ITEMS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I DO NOT HAVE A DEBT WITH THIS COMPANY. I DID NOT AGREE OR GO INTO CONTRACT WITH THIS COMPANY AND DO NOT KNOW WHO THEY ARE OR WHAT DEBT THEY SPEAK OF
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting false information on my credit report. My credit report says that the US Bankruptcy Court-XXXX  is reporting That I filed several bankruptcies here are the account numbers # XXXX, XXXX, XXXX, and XXXX. 
I contacted the US Bankruptcy Court-XXXX  about this matter and they gave me a letter stating that they are not and do not report information to the credit bureaus. I sent the letter to the and they said they verified it with XXXX? I reached out to XXXX and they confirmed that my account has been frozen and that they are not reporting anything on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a credit card from US Bank and I receive a statement for a {$2500.00} dollars purchase, but I wasnt me because at the time of the purchase I didnt receive my credit card ( I applied for the card I have approve but at the time of the purchase i didnt received my card ) I put a dispute with the bank and they said that I have to paid for that charge, am going to do a police report because I wasnt me who spend that amount of money.
Product: Credit card or prepaid card

My direct deposit met the requirements by qualifying as {$500.00} or more. My direct deposit was a cumulative for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. 

BBVA Bonus {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX yrs military XXXX veteran. The credit bureaus have violated my right as a consumer under the FCRA Act. I have been trying to work with the credit bureaus to remove unauthorized credit inquiries that doesn't belongs to me. I have sent certified mail on numerous times. All I get back is the investigations resulted as " Updated and Factual ''. What does this means? I have for a copy of signed documents that I haver authorized these inquires. Can you please ask the credit bureaus to show the proof or delete the inquiries. This has been dragging on way too long. 
These inquires are in question. 
XXXX  XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX 1. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 2. XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX 3. XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account Kohls, Capital One, XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
XXXX
Product: Vehicle loan or lease

COAF did not have my express verbal or written permission to access my credit profile
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against EQUIFAX regarding the inclusion of inaccurate and fraudulent accounts on my credit report, which I believe constitute clear violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX, XXXX, TX XXXX. My date of birth is XX/XX/year>, and my Social Security Number is XXXX. Upon reviewing my EQUIFAX credit report, I discovered several accounts that are not only inaccurate but also fraudulent in nature. These accounts were included in my credit file without my knowledge or consent, which directly violates the FCRAs requirement that credit reporting agencies ensure the accuracy and integrity of the information they report.

Specifically, under Section 1681e ( b ) of the FCRA, EQUIFAX has failed to follow reasonable procedures to ensure that the information it reports is accurate.

Furthermore, under Section 1681c-2 of the FCRA, which mandates the removal of outdated or inaccurate accounts, these fraudulent entries should have been investigated and removed immediately. In addition, the inclusion of these fraudulent accounts also appears to be a violation of FACTA regulations, which safeguard consumers by requiring creditors and credit reporting agencies to adopt accurate and effective identity theft protection procedures. I did not open any of these accounts, nor was I notified about them, indicating a severe lapse in compliance with FACTAs requirements for consumer notification and security. I have already taken steps to address these issues by contacting EQUIFAX directly, submitting a formal dispute, and providing supporting documentation, including my drivers license, proof of address, and FTC report number XXXX. Despite these efforts, EQUIFAX has failed to rectify the inaccuracies or remove the fraudulent accounts from my credit report, which is a clear violation of its obligations under both the FCRA and FACTA. This failure has had a significant negative impact on my creditworthiness and financial stability. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that EQUIFAX promptly removes the fraudulent and inaccurate accounts from my credit report. Furthermore, I request that EQUIFAX provide written confirmation once these corrections have been made. I also ask the CFPB to thoroughly investigate EQUIFAX 's handling of my dispute and ensure its full compliance with FCRA and FACTA regulations.
Product: Vehicle loan or lease

I recently looked at my credit report and noticed some inaccurate and improper information on there
Product: Credit card or prepaid card

On XXXX XXXX I initiated a dispute with my credit card company for a purchase of {$660.00}. They credited the charge pending outcome of the investigation. The dispute was resolved in the merchants favor and the credit was reversed on XX/XX/2020. I paid the balance in full. The credit card company then reversed the exact same credit again on XX/XX/2020 creating a new balance in the amount of {$660.00}. Since XX/XX/2020 I have reached out to the credit card company multiple times to resolve this to no avail. My previously XXXX balance is now {$660.00}. On XX/XX/2020 I was told to allow a few days for the account to be corrected. On XX/XX/2020 I was told the same thing. Then again today, XX/XX/2020, I was told the issue had been escalated with no promised date of resolution.
Product: Credit card

I applied for a Pottery Barn/Capital One Visa Key Reward card via online application. Two accounts were opened in error by Capital One. I called to close one of the accounts. The first representative was not authorized to close the account. To confirm there were no other accounts opened she requested my full SSN to do a manual search. She then forwarded me to another account specialist. The second representative requested my gov issued photo id. I refused as I had no validation that the first rep hadn't sent me to some other fraudulent company. With my SSN and my photo id my identity could have easily been stolen. I refused to provide the id but offered to provide any other information to complete the validation. She told me there was nothing she could do and that the account would not be able to be closed. I requested to speak with a manager. I was forwarded to a manager who ultimately closed the account. Capital One should not a ) make it this difficult to close an account, and b ) should not require information that can be used to steal someones identity as verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with WF/XXXX # XXXX was opened in my name in the year, XX/XX/XXXX. The account was sent to collections in the year XX/XX/XXXX. The 7 year statue of limitations has been exceeded yet WF/XXXX and the credit bureaus continue to allow this old 7+ year debt to remain on my personal credit bureau report. The creditor was actually allowed to reinstate in XX/XX/XXXX. This is a violation of my rights and since the collection was first reported more than 7 years ago, it should no longer display on my credit bureau reports.
Product: Credit card or prepaid card

This is a complaint against XXXX XXXX and I am sure it is one of many similar ones. 

It is absolutely inexcusable that one has to wait literally hours, at times up to XXXX XXXX, to speak with a XXXX representative on the phone. An error was made when I was booking a flight on XXXX 's web page. On XX/XX/XXXX I thought that I had made and paid for a reservation for a friend to fly from XXXX to XXXX XXXX. I was surprised when an email confirming the transaction did not come through immediately but since I usually use another airline I thought this just might be peculiar to XXXX. However when I had not received any confirmation the following day I checked my VISA credit card and although the charge was pending, there was no reservation on my XXXX page. I waited another day and saw that the charge was still pending on my cc but since I needed to have the ticket another one assuming that the charge would be deleted from the cc since it was obvious that XXXX had no reservation for me. This time I used used my XXXX American Express card to make the exact same reservation as I had a couple of days ago. The confirmation came through immediately. 

Since I could find no reservation in my XXXX reservations on-line I was certain that the " pending '' credit card charge wold cease to appear on my Visa card. However, on XX/XX/XXXX the charge was posted on the Visa card for the original purchase but there was still no ticket or any record for it.. I have tried for a week to get this resolved but have been unable to get through to a XXXX rep. I have waited a total of XXXX XXXX on the phone and finally gave up and drove to the airport yesterday XXXX XX/XX/XXXX ). The agent was unable to resolve the issue. She did, however, find the 2 records and printed the receipts for me. The first charge was on a visa card XXXX XXXX XXXX XXXX XXXX for XXXX. I had a {$100.00} e-credit that I used with that ticket. On XX/XX/XXXX, the second charge was on my American Express/XXXX  card for {$550.00}. I am requesting a full refund of {$550.00} to be returned to my American Express card Yesterday at the XXXX airport I was given another phone number to use. Again NO success. When I started that phone call at XXXX last night the computer said the wait would be less than XXXX. After sitting with the phone to my ear for XXXX XXXX, I gave up. This is totally unbelievable and unacceptable. When the airlines receive bail out funds they should be required to provide decent service to their customers. 
I am at a loss as to what to do but am unwilling to me kept on hold anymore for HOURS with XXXX nor to simply let the airline retain my money.
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. XXXX and Equifax are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance Owed : {$0.00}