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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

On XXXX XXXX 2016, All of the inquiries on my TransUnion credit report were removed entirely, then reinserted a short time later. I had no notification of, nor did I authorize, the inquiries be reinserted. I have contacted TransUnion multiple times, the last call on XXXX/XXXX/2016 @ XXXX, trying to get the issue resolved, but customer service would not help me and take care of the negative inquiries reporting on my credit report. 
List of Inquiries deleted then reinserted : 1. XXXX XXXX/XXXX/16 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX via XXXX XXXX 4. XXXX 5. XXXX XXXX XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX.
Product: Mortgage

Contacted Freedom Mortgage to remedy late payments due to unforeseen Bed Bud infestation. Placing us behind on our mortgage. We had to replace all of our belongings and paid for extermination in XXXX of XXXX. Began mitigation process only to be told documents had not been received, were incorrect, or unable to open, or wrong document form after being told not received. XX/XX/XXXX Contacted Freedom Mortgage to make a payment and seek council on statues of our account. Was told and reiterated back that we were only 90days past due because a payment had been posted on XX/XX/XXXX. Called back on XX/XX/XXXX to make a payment all the while still trying to send documents as requested, still another excuse as to why not received. I told them I could forward the emails from previous send. Only to be told they didn't have them. Operator than told us payment couldn't be accepted because our account was 130 days delinquent. I was told they couldn't help me. I should keep better records of when payments were posted. Called back on XX/XX/XXXX spoke to XXXX # XXXX to be told our paper work was received we are in foreclosure and could not take any payments and would submit an investigation on said phone call from the XXXX and a supervisor would review. Called back on XX/XX/XXXX to speak with XXXX # XXXX to find out she too couldn't help us at all had no record of any of this and we would have to wait 24 to 48 hours after she would request a supervisor to contact us. Then put us on hold to see if a supervisor was available only to be told no we would have to wait. and now that it was in foreclosure it was out of her hands. Previous calls were filled with similar instances, however I didn't not operator until most recently. We were told '' this happens all the time and sorry ''. '' Sorry it's not our problem, you should rely on our word and keep better record '' " If you email something or fax it to call in immediately after because they frequently don't check email and so many people send them they cant keep track '' " Dont call after you send we wont actually see your paperwork for 2 to 3 days '' '' Don't worry about getting your paper work in your account is on hold " " Dont concern yourself with mitigation its best to just keep making payments '' " Sorry we don't take payments less than the full amount of the mortgage '' " It depends who you talk to some people will take partial payments and place it in a hold account '' " There is no way to accept a payment unless it's the full amount '' We received your payment '' " We have no record of your payment '' '' We have no record of mitigation paper work request " We already sent you the paper work for mitigation " " It's not our responsibility to notify you of the amount past due '' " All calls are recorded '' " Actually all calls are not recorded '' " We can't possibly review all of our calls or call record '' " Yes, I see you call 3 times on that day with detail of operator numbers spoken to and times "
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account listed on my XXXX  report from Collection Consultants. My main issue with this collection agency is that they keep changing the date of delinquency to fit within the 7 years so that this account can keep reporting. I have been disputing this for YEARS because it should have been covered under my insurance at the time. Since the agency would not even let me settle without adding charges, I decided to wait until the expiration date. The issue is, it never goes away. This is from a XXXX I had in XXXX and now it says from XXXX. Please delete this outdated information from my credit report. This company is taking part in illegal practices to continue to keep negative items reporting on credit files longer than legally allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/XXXX. I ordered by phone a free credit report from Equifax on XX/XX/XXXX and still have not received it. This has happened before to my husband with Equifax on XX/XX/XXXX. I don't know whether it was mailed and delivered to someone else, thereby exposing my private financial information to someone else or that is was never mailed out. I like to order online but frequently I am rejected without explanation. The message says that they can't provide it online to me and that I must call. 

My husband complained to you back then and nothing was resolved. How much longer will this ineffectiveness go on?
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  credit report shows a hard inquiry on XX/XX/2017 from Citizens Bank ... their contact information is as follows : CITIZENS BANK XXXX XXXX XXXX XXXX XXXX, RI XXXX ( XXXX ) XXXX I have not now nor ever had any business with Citizens Bank and would like to have this hard inquiry removed.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reached out to Revolut customer support requesting a chargeback for the following charges. I provided all information requested in their submission form. Today I was provided a follow up email stating that the request was not legitimate and that they would not initiate the chargeback. 

By federal law ( The Fair Credit and Billing Act ) I am allowed to dispute charges that I find to be fraudulent and have explained to the company that I believe the charges to be fraudulent, but instead of helping me dispute these transactions they are refusing to look into the matter further. 

I even reached out to customer service via chat to get an explanation, but was provided a canned response of their process without any explanation why my request was not " legitimate ''. 

I am still seeking to contest these charges and am submitting a formal complaint to the CFPB. This is an unprofessional and illegal business practice and I'm hopeful that this issue will be remedied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage company " Loancare '' was sent my mortgage payment XXXX, 2017 and has yet to apply the funds to my loan account. I have sent them the required documents showing that my check was cashed by there bank, however ; they still have n't resolved the issue. My bank as well as myself have contacted them multiple times with no results and its now XXXX
Product: Credit reporting or other personal consumer reports

XXXX failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized account that has appeared on my credit report. As a victim of a data breach, my personal information was compromised, leading to this account being added to my credit file without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and pursuant to 15 U.S.C. 1681c-2 ( a ), I am requesting the immediate blocking and deletion of the following fraudulent item from my credit report : Fraudulent Account : Creditor : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

2nd Request..these are not my accounts.
Product: Debt collection

I reached out to AFNI, INC. to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I've never had a contract nor an agreement with them. They have not contacted me back.
Product: Credit card

someone opened an account in XXXX  and never gave permission and has been disputing it for years. just found out about XXXX and how to remove unauthorized accounts on my file etc..
Product: Checking or savings account

I received a targeted special invitation via email to open a Kabbage checking account. I applied and was immediately declined for selecting a prohibited industry type. I am a reseller and that industry type is NOT on Kabbage 's list of industry types to choose from so I tried to pick something similar. I ended up selecting Other Miscellaneous Retail ( excluding tobacco ). I called Kabbage to explain my extenuating circumstance, but they would NOT allow my denial to be reconsidered. That is totally ridiculous. Why even send me the special invitation in the first place? On top of that, why is Kabbage even putting these so-called prohibited industry types on their list? Why not just exclude them to begin with? This is a complete waste of everyone 's time.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX bank. I can not open a bank account because of this inaccurate and unverifiable. [ 15 U.S.C 1681 ] due to the FCRA this account must be removed immediately.
Product: Debt collection

Hi THD/CBNA ; how are you? I just got off the phone with your representatives and it looks like that the account was transferred to XXXX XXXX, but i was never informed and it's not even reflecting on my credit report who to contact. When i called your company and citibank recovery team, they stated that i have to call different company which is not listed on my credit report. Please delete! I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX for code of ethics violations.
Product: Debt collection

They called my sister harassing her n yelling at her. Then threatened to record the conversation. They need to b stopped. My sister just got her a new cellphone number n somehow they're calling her.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I sent letters to Transunion in reference to validating XXXX student loan accounts that are currently reporting as derogatory on my credit report. It has been over 30 days and they have still yet to respond to my request or even change the status on my credit report to under investigation this is a violation of rights under the FCRA and these accounts need to be removed immediately. I have attached the letters below that I have sent to the Credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card from XXXX XXXX  that had a XXXX balance and was never in default. I had a bankruptcy that went through in XX/XX/2021 which included tax debt but the XXXX credit was not included in the filing. XXXX has since submitted to the reporting agency that the balance was written off by the bankruptcy which is 100 % untrue there was no balance on the account. I have contacted XXXX on several occasions and they have said they would not correct there mistake in reporting and suggested i contact an attorney. How can a debt be charged off in a bankruptcy if the balance on an the account was XXXX? 

This was corrected with XXXX but still remains on Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has an item listed that I have asked for verification and validation on multiple occasions. XXXX XXXX ACCT # XXXX The response that I got from them and the CRA 's says verified as accurate.

Under USC 1681 section 4 conducting a reinvestigation and USC 1681 section 5 a ... .and section 5 a i ... ..furnishers of information are to collect complete and full accuracy of information being reported or promptly delete the item.

Once again I am asking for a full accounting of how much they say I owe them and not 2 pages of a PARTIAL BILLING STATEMENT. This can not be considered a complete and full accounting to get a verified as accurate.

This unverified item has caused tremendous damage to my credit and credibility.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, a friend transferred {$170.00} to me in a Venmon mobile payment service. I had an issue transferring the money in my own personal bank account so my daughter decided to transfer the money and it was accepted. I called Venmon to verify the transfer the following day and the bank account as required. In addition, on Saturday, XX/XX/2023, I called the representative and ask if there will be an issue with transferring the funds to my daughter 's account because it is not in my name due to having problems making a transfer in my own account, she said it would not be a problem as long as my daughter verified the account. The same day my daughter verified that the account along with the bank is in her name. On XX/XX/ 2023, I received an email stating that the funds were not accepted from the bank, therefore, Venmon has frozen my account and asked me to send a photo of my identity and I did so. I was told I had to wait 5-7 days to get my account unfrozen then XX/XX/2023, I received a second email requesting additional documentation of my identification and bank statement, although the document is not in my name as I explained to venmon I sent it any way they stated it not efficient enough. I need assistance at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, 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 items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hey, did not do a full investigation on the collector they are reporting reagent the charger off And written off they have the date of opening incorrect The charge off date incorrect The amount is written off incorrectly. A reporting on my credit report as open Would you please look into this for me because they are doing unlawful reporting Back the date is XX/XX/XXXX recent balance XXXX as of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and the reason I am writing to you is complain on XXXX for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. 

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my credit report that are not mine I need these off my credit report since I dont knwo what these are and I have not signed or authorized any amount like this what is going on??? 


XXXX XXXX - Account # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX  - Acct # XXXX Amt {$0.00} Opened XX/XX/2015 XXXX
Product: Payday loan, title loan, or personal loan

The contract has incorrect payment dates and amounts and they admitted the entire contract is wrong. Since XX/XX/XXXX my account has been charged the XXXX and XXXX of each month. On the contract the month of XXXX is missing and XX/XX/XXXX and XXXX. The charges are incorrect as well for some payment dates. The XX/XX/XXXX charge says {$150.00} payment due and I was charged {$200.00}, on the XXXX payment due {$150.00} and I was charged {$180.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The 3 credit reporting agencies are still reporting a account that was opened in XXXX with XXXX XXXX and closed /discharged in XXXX another company called XXXX XXXX XXXX XXXX bought the debit in XXXX and reporting it as opened in XXXX this information is incorrect and currently impacting my credit greatly causing distressing harm.
Product: Money transfer, virtual currency, or money service

On XX/XX/20, an unauthorized transaction of XXXX was made with my Citi bank account using XXXX. I contacted the bank, but they denied my claim. I appealed, but with no avail. They stated I authorized the transaction since the person had access to my user name and password. I sent Citi bank an affidavit stating I did not give permission or authorization for the transfer of funds. I contacted the local police and made a police report. The account should have been flagged before the transfer went through. I never had large amount of money in that account. The person who made the unauthorized transaction deposited a fake check and sent the money using XXXX before the bank was able to validate it. A few days later the check came back fraudulent and my account showed a negative balance. I knew nothing of it, until my account was locked. On XXXX XXXX I submitted another appeal.