23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date on my credit report is XX/XX/XXXX. This was for a home I rented with former roommate. I disputed this on my credit report last year and they have not removed the charge. I would like to have this resolved seeing as I passed the walk through in the home. In XXXX the home flooded due to the water heater busting. The renters waited 2 months to fix anything. The home smelled of mold because the water got into the molding. They never removed the carpet. The smell went on for 5 months and I emailed PROGRESS RESIDENTIAL multiple times and no one would help me. We paid each months rent. I never received the deposit back and on top of that I see a charge on my credit report for {$820.00} and to date that amount is now {$1000.00}. I have not signed anything or been given notice as to why the amount has rises? I have copies of the email being sent from myself to the renters where they were unlawfully letting us live in horrible living conditions for 5 months.
Product: Credit reporting or other personal consumer reports

THIS AMENDMENT TO CLAIM FILED AGAINST XXXX XXXX XXXX XXXX XXXX XXXX reported account charged off and closed in XXXX XXXX. Then XXXX XXXX Reported the account closed againXXXX with over XXXX which is false see my attached XXXX XXXX credit report XXXX XXXX XXXX reported the account closed more than 6 years ago. This debt is barred from collecting statue of limitations has ran.
Product: Credit reporting or other personal consumer reports

failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnishers responses to disputed information, and failure to prevent improper tradeline reinsertions also violate the XXXX XXXX XXXX XXXX XXXX XXXX unfair acts or practices. 

Ive requested verification for accounts XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting bankruptcy to XXXX  and transunion XXXX XXXX said they would remove it I have disputed it XXXX  XXXX is still reporting to XXXX  and transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB WRITE UP In accordance with the fair credit Reporting act XXXX 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 a 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint AGAIN to update this suspicious information. The XXXX Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute regardding account XXXX XXXX with the 3 major credit bureaus. I heard back from XXXX and XXXX in a timely manner and the deletion of the account. Experian however did not get back to me in that timely manner, it has been a good 40-50 days, and they also did not delete the account like the other credit bureaus did. They are not above the law and the false reporting they are doing on thier end is really hurting my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became interested in building my credit but when I received my credit I realized that someone has been using my information for several years to set up multiple fraudulent accounts which includes XXXX XXXX XXXX XXXX XXXX, XXXX also there are several hard inquiries on my report that I have no knowledge of XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MR. COOPER IS LISTED ON MY CREDIT REPORTS AS NATIONSTAR AND THE STATUS IS INACCURATE ( SEE ATTACHED GUILDLINES ) LAST 3 DISPUTES TOOK 45 DAYS AND XXXX FAILED TO DELETE AND STARTED A NEW DISPUTE ON TOP OF OTHER. 

PAID IN FULL, CLOSED TRANSFER S/B STATUS AND REPORTING HISTORIES ARE WROUNG.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair collections and outsourcing is trying to collect a debt for XXXX, in which they are not licensed in Florida to collect a debt. Pursuant to Florida law ( Fla. Stat. 559.553 ) debt collectors and out of state law firms must register with the Florida office of XXXX XXXX as a Consumer Collection agency before engaging in collection activity in the state of Florida. the debt that XXXX XXXX and outsourcing is claiming that I owe is a debt in Florida, and this is a violation of both state and federal law. Please remove this debt from my credit report and cease and desist in any collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a hard inquiry on my experian credit report from a financing company where I didn't get any finance from. It's bringing a hard impact on my credit. It's from XXXX XXXX XXXX. 

In accordance with the fair credit reporting act convergent Account # XXXX, has violated my rights. 

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

ftc violations shown public records not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

For MULTIPLE years I have experienced the following problem with Transunion XXXX. 

1. Multiple websites with broken links, unclickable buttons, and a faulty payment processing system that refuses to accept my card and then forces me to call in.

2. On call in, agents play XXXX, refuse to comply with assistance, transfer you back into same que while telling you they are transferring you to the right department, and out right hang up on you. Indeed, this all happened again just today, when I was hung up on multiple times, including by XXXX, an account supervisor in the phillipines callcenter. 

As a result I can not get my credit score, and it takes multiple hours to even come close. 

I saw that there is already a privacy class action lawsuit in the USA against Transunion, and I am strongly considering putting out a press release about this, and launching a class action lawsuit of my own. I personally know multiple people with the same problem with Transunion. 

To begin this complaint, I have formally requested what is my right : a copy of all recordings from my phone number XXXX over the last 12 months, so I can demonstrate my case. I was then hung up on again. 

Therefore, I am asking the CFPB to help me attain these recordings from Transunion XXXX, so I can have evidence for my complaint. I can not access my score at this time despite multiple documented attempts. 

Please advise.
Product: Vehicle loan or lease

I refinanced my auto loan from Ally Bank to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX issued the payoff check. It was sent on XXXX to ally financial. Ally financial is refusing to connect us to anyone in the XXXX payment processing center. They admitted that their payment research team is backlogged and they can't tell me where our payoff check is. We have been advised that their customer care group in the US is in a meeting and then 20 minutes later we were advised that they are closed. We have continued to get lies instead of straight answers and can not get anyone on the phone that can help us. They are sitting on a payoff for our loan and after 2 and 1/2 hours, we have to give up as we were placed on hold with no one answering again and we can't get answers on why they haven't applied our payoff but yet we are accruing interest. They have left our loan open even though the payoff has been sent and refuse to send to any department that can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up 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 : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$140.00} XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance XXXX {$0.00} XXXX XXXX  XXXX Balance : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax Information Services LLC for failing to resolve a dispute regarding an unauthorized hard inquiry on my credit report. Despite my formal request for investigation and removal under the Fair Credit Reporting Act ( FCRA ), Equifax has not taken appropriate action. 

Details of the Complaint : Unauthorized Hard Inquiry : Creditor/Company XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> Credit Bureau Involved : Equifax Violation of FCRA : Section 604 ( 15 U.S.C. 1681b ) : The inquiry does not meet permissible purposes, and I never authorized this inquiry. 
Section 609 ( 15 U.S.C. 1681g ) : I formally requested validation of the inquiry, including written proof of my consent, but Equifax has failed to provide sufficient documentation. 
Section 611 ( 15 U.S.C. 1681i ) : Equifax has an obligation to investigate disputes and remove inaccurate or unverifiable information. To date, they have not removed the unauthorized inquiry. 
Impact on My Credit Report and Finances : The unauthorized inquiry has caused harm to my credit score, affecting my ability to secure favorable credit opportunities. Equifaxs failure to address this matter undermines my rights under federal law and exposes me to potential identity theft.
Product: Student loan

I have federal student loans being serviced by Mohela. Early last year, I took a lower paying job, providing care to veterans in a high-needs area. One of the incentives was that my employer ( the VA ) would refund most of the student loan payments I made. The time has come to submit my student loan payment history to the VA ( on a piece of paper from my loan servicer, with my name, account number, and last 12 months of payments ) so I can get reimbursed ( I pay almost {$1000.00} monthly, so this is a significant amount of money on the table ). Mohela 's website no longer has my payment history from before the website relaunch- they only have XXXX payments : from XXXX and XXXX. I contacted them through email in XXXX, and they redirected me to the part of the website I already claimed did not have my history, and they also told me to check XXXX website. However, the XXXX website has not been updated since XXXX, so it is missing XXXX through now, and they know this. 

I've called Mohela multiple times. Back on XX/XX/XXXX, a customer service agent told me she had my history there but couldn't tell me which payments it included, but she would mail it out that day. Two weeks later, I never received the mail, so I called back. The new agent told me that the information I received was false, and that the request was under a 10-day review period. Both agents confirmed that this would be all my payment history. By XX/XX/XXXX, I used a special " military and VA employee line '' for Mohela that got me to an agent that stated the request ( still being reviewed ) would have only included my payment history up until the website shut down in XXXX, so it would NOT have my payments after XXXX, and that she still didn't know how to get me that information. 

My partner now lives in another state ( as of XXXX ), so I must leave my XXXX XXXX  soon, as it is over an hour from my home. However, if I leave before this is settled, I will lose about {$10000.00} that was part of the compensation package for taking such a high-need, lower-paying job. I still can not get this basic information : A letter from my servicer with my name and account number, showing my last 12 months of payments ( from XX/XX/XXXX to XX/XX/XXXX ). I can get this information for my cell phone bill, my music streaming account, my mortgage, but it's no longer possible with Mohela, so I stand to lose thousands of dollars over a simple tech error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a hard time getting approved for credit it has been brought to my attention there there are accounts showing on my credit provide with negative reporting. The negative accounts on my credit account does not belong to me and I have never opened these accounts. I am being told I need to follow these steps in order to have these account removed from my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, Equifax, and XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/XXXX I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in XXXX. 




VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Account Type Collection Agency/Attorney XXXX XXXX   Account # XXXX Account Type Collection Agency/Attorney
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information Under the Fair Credit Reporting Act To Whom It May Concern, I am writing to formally dispute incorrect address information listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c ( a ) ( 5 ), credit reporting agencies are required to ensure the accuracy of personally identifiable information, including address history. 

The following incorrect addresses are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX XXXX XXXX  CA XXXX XXXX. XXXX XXXX XXXX XXXX CA XXXX My actual and current address is as follows : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX I request the immediate investigation and removal of any incorrect or outdated addresses from my credit report, as they do not reflect my accurate and current residence. Maintaining inaccurate address information can lead to confusion, misattributed accounts, and potential violations of my rights under the FCRA. 

Please investigate this matter promptly and update my credit report to ensure it reflects only accurate address information. I request written confirmation of the changes made, along with an updated copy of my credit report, within the 30-day timeframe mandated by the FCRA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

This account starting XXXX {$680.00} from XXXX XXXX XXXX has been disputed and removed several times due to lack of verification. The just keep reporting it over and over. I am also taking legal action. Im tired of this! They report It then I dispute it then gets removed and then put back on the next day? How is this possible? With all three CRAs. This is definitely harassment. Something needs to be done!
Product: Debt collection

Pro Collect Inc refused to accept half the payment over the phone but instead wanted me to send in a money order. They refused to allow me to make a payment online stating that they didnt have a online payment system which indeed they do. Very rude company
Product: Credit card

For years I had credit limits over XXXX. Then the credit crunch came and many non used accounts were just closed and credit limits reduced in a one way transactions. The banks just reduced credit limits. I been working with social security XXXX and have just been approved after a 3 year period of struggle. Now I have Wells Fargo reducing my credit limit without any notice. Just boom. The credit market is so tight, its totally out of control. These big bank officers should have been put in jail for the great recession, just like the savings and loan scan.dal in the 1980 's. Now out of the blue, Wells Fargo lowered my credit limit, again restricting and reducing credit scores and credit limits. Absolute control by the rich and powerful XXXX! Totally out of control in this county, XXXX over a veteran and XXXX individual just because you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Product: Money transfer, virtual currency, or money service

Coinbase allows you to transfer any coins and funds into a XXXXXXXX XXXXXXXX. So XXXX in bitcoin was transferred I to this XXXXXXXX XXXX to now find out bitcoin is not supported by the XXXXXXXX XXXX and its an outside wallet that bitcoin is not able to recover and the funds are gone and not able to be retrieved. I do not understand why they would allow sending the bitcoin to this wallet to even be an option if its not supported by the app.
Product: Debt collection

I have paid this debtas of XX/XX/2016 {$350.00} why is this still in collection. I have the receipt that was sent to me.
Product: Money transfer, virtual currency, or money service

I was lured by scammers to participate in XXXX investment who asked me to pay for a loan they gave me to invest. I asked them to take repayment from the profits but they claimed it was not possible because the trading platform was not considered a means of repayment, so they asked me for crypto from another digital wallet or my bank account. I wired from my Wells Fargo account the total " owed '', and continued investing. It is the case that I can not take the earned money out of the trading platform, and I was a bit late to realize I had been scammed. I asked my bank for a wire recall, they said the wire transaction had been tagged as possible fraud but NO ONE told me so when they called me to verify my information ( had they said so I would have gotten my wake up call and cancelled the transaction ). Wells Fargo responded last week in a simple letter that I authorized the wire transfer and the recipient bank is not returning my funds so Wells Fargo closed my case. How come my bank does not protect me as their customer in a case that I have filed as scam, even filed a complaint with the FBI? Is Wells Fargo really protecting the interest of its customers or do they just wash their hands and do no real investigation to serve its customers?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$200.00} ; XXXX  XXXX Balance : {$170.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$110.00} ; XXXX  XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$420.00} ; XXXX  XXXX Balance : {$100.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$230.00} ; XXXX  XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$120.00} ; XXXX XXXX Balance : {$600.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX  XXXX Balance : {$2100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} ; XXXXXXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2022 XXXX XXXX NC XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not file bankruptcy in Texas because I live in Virginia, I disputed TransUnion, XXXX, and XXXX  by submitting my husband 's military PCS orders, proof of residency since 2010, driver 's license, a letter from Texas court stating they did not give any of the credit agencies any documents that bankruptcy was filed, and a letter from XXXX XXXX stating that they investigated this with Texas court and did not find proof of a filed bankruptcy. I also file a FTC report with little assistance or feedback of removing the bankruptcy from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax send me a report of a Dispute item indicating that this account is accurate but they fail to send me VALID DOCUMENTATION between me and this collection agancy.. NO SIGNED CONTRACTS OR AGREEEMNTS .... NOTHING