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

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXXXXXX XXXX  emailed me stating they had system outage and that they were working on restoring access to accounts. Ive attached a screenshot of the email for your viewing. 
Thereafter, on XX/XX/XXXX i am notified by my credit monitoring service I have a change to credit and its for a major derogatory for my XXXXXXXX XXXX  account ending in XXXX. I immediately knew this was wrong since I had just made a payment about two weeks ago or less. Ive attached my bank statement showing proof of that payment for the month of XX/XX/XXXX. I contacted XXXX XXXX  services to advise and ask for remediation of issue. Im currently unemployed and need to keep my credit score clean and good and this issue dropped my credit score to almost more than 40 points! All they said was the issue was been fixed and they are aware to contact Experian if I need an updated credit report file. I asked for them to provide me with a statement explaining the situation and how it affected my account and they refused to do so. All the service advisor kept saying was I needed to contact experian! I am so disappointed with the handling of my credit information. They say it was just a system outage but Im afraid my information was compromised. Please reach out to them and ask them to at least provide more resources to their customers. I am not the only one affected million of their users shared frustration via XXXX in regards to their system issues and credit misreporting.
Product: Credit reporting or other personal consumer reports

Transunion XXXX and XXXX are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX ON XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions
of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 card or prepaid card

I have a loan with WELLS FARGO BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO BANK with no successful resolution. XXXX, XXXX, and XXXX   reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2017, XX/XX/2017 ), also I was never 60 days late ( XX/XX/2017, XX/XX/2017 ), lastly I was never 90 days late ( XX/XX/2017, XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the fair credit reporting act : XXXX XXXX XXXX  acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX XXXX, acc # XXXX, XXXX XXXX acct # XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 Section 602A states I have the to privacy 15 USC 1681 section 604A section z : it also states a consumer reporting agency can not furnish consumer report account information without my express permission written otherwise it is a violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting a bankruptcy inaccurately on my TransUnion consumer report after I have disputed with them for completeness and accuracy in XXXX of XXXX. They continue to report this erroneous bankruptcy report without obeying 15 USC 1681 ( n ). They verified inaccurate bankruptcy records willingly and knowingly disseminating inaccurate information to various 3rd parties without my consent. 
XXXX XXXX has also blocked all personal information from my XXXX XXXX report ( please see attachment ). TransUnion should have permanently blocked and deleted the erroneous information on my consumer report
Product: Credit reporting or other personal consumer reports

All 3 credit reports should reflect the same information.

Experian does not properly investigate disputes and fails to remove or reinsert errors on reports. 2nd notice sent XX/XX/year> Equifax does not properly investigate disputes and fails to remove or reinsert errors on reports.

Transunion does not properly investigate disputes and fails to remove or reinsert errors on reports.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX Account name : XXXX  Date of Inquiry : XX/XX/XXXX
Product: Consumer Loan

Checked into a loan at ONE MAIN FINANCIAL never got further than a inquiry on my part just checking interest rates, said I was n't interested and tried to hang up the gal on the phone practically begged me to continue and fill out a application and I declined. Today XXXX XXXX 2016 I received a declined application # XXXX from this institution. Now this is fraudulent because I never filled out a application I totally declined this females begging me to just try and see what rate I would receive! I am totally shocked by this letter and feel something needs to be done about it!! First of all where did they get my information this is personal information they took liberties with and I do n't know whether she receives a bonus for more applications or what her motives were! But I need this hard credit pull removed from my credit report ASAP please.ONEMAIN FINANCIAL. XXXX XXXX XXXX XXXX XXXX. XXXX IL XXXX
Product: Credit card or prepaid card

I HAVE A CARD WITH XXXX XXXX CARD BY XXXX XXXX XXXX AND HAD ACCOUNT ASSURE IN XXXX TRIED TO FILE CLIAM BUT WAS CLOSED BY THE BANK W/O KNOWLEDGE TO CONOMER.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am not XXXX. i have filed a complaint with the CFPB last month and received a letter back stating that american express made a mistake. HOWEVER, THEY ARE REFUSING TO CHANGE THE INFORMATION IN XXXX, XXXX  AND XXXX. NOW I WAS DECLINED A XXXX LOAN.
Product: Credit reporting or other personal consumer reports

I contacted XXXX via XXXX XXXX mail and Fax. XXXX claims its been verified the XXXX XXXX on my public record as XXXX and XXXX. They cant verify as such. I have a letter directly from the XXXX XXXXXXXX Bankruptcy XXXX saying they report to NO ONE!! XXXX is simply a third party company that pulls public record through poor outdated electronic means. XXXX!! They have XXXX interaction with the court. Ive asked XXXX for proof for 2 years!! I want legit documents, emails or postal mail. XXXX can not produce evidence that they have been in direct contact with the XXXX  Bankruptcy XXXX regarding my XXXX XXXX. Since they are liars I want the public record removed from all credit score companies. They so easily slapped it on my report by getting this garbage from pacer. There are many discrepancies none of which they could possibly verify. I have a letter from the federal court. They are committing a crime.
Product: Debt collection

Im not sure whats going on. I have never done business with Credit Management Company, however, an alleged medical debt is being reported to my consumer report
Product: Debt collection

I have no knowledge of this account when I try to get information on it they refuse to give me any because my name is not the same, they keep calling me under that name, when Im at work and the speaker goes on when they call, I have tried to dispute it, I do t k ow where this account came from, Im not getting anywhere. This is really hurting me. I cant get an apartment Im stuck in the shelter system. I need some help some answers please
Product: Credit reporting or other personal consumer reports

I never opened this account. I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account. 


No Response from company WAYPOINT {$130.00} XXXX Suggested Account # XXXX Status XXXX Original Creditor XXXX XXXX Creditor Type XXXX XXXX XXXX  High Balance {$130.00} Open DateXX/XX/2023Last Reported XX/XX/2023 Remarks Account information disputed by consumer, meets FCRA requirements Completed XX/XX/2023 Debt Contract Request I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 


I Previously Disputed This I previously disputed this account stating : " I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this debt collector has a legal right to collect, or delete this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXXXXXX Date : XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against NetCredit To Whom It May Concern : I am writing to file a formal complaint against NetCredit regarding their failure to remove debts included in my federal bankruptcy from my credit report. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy.

Despite my previous attempts to resolve this issue directly with NetCredit, the incorrect reporting of these debts remains on my credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. 

I request the CFPB 's assistance in resolving this matter promptly. NetCredit must comply with federal law by updating my credit report to accurately reflect the discharge of these debts in bankruptcy. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date of Birth : XXXX Last XXXX of social : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have issue with the Virginia law ( and other state laws ) that allows credit reporting companies like XXXX, XXXX, and Equifax to charge a fee in order to place a freeze on an individual 's credit report. 

Since these companies can not guarantee protection of the personal data of American citizens, we should not have any barriers for the protection of personal identity and financial standing. 

I did not have to pay a freeze with Equifax because my personal information was most likely compromised from the recent breach. 

I had to pay a {$10.00} fee to XXXX, which I have issue with. 

I have been unable to place a credit freeze with XXXX due to technical issues on their website, but they also charge a {$10.00} fee, which I have issue with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX that was signed for on XX/XX/XXXX. The letter was a formal notice of dispute. I received a reply from XXXX dated XX/XX/XXXX stating that their investigation was complete and stated the account was being reported correctly. 

I waited 37 days to verify XXXX violated the Fair Credit Reporting Act, Section 623 ( a )  ( 3 ) by not placing the required disclosure, notice of dispute, within the required 30-day period. 

I sent a certified letter to Experian stating that XXXX did not notify Experian about my dispute along with a copy of my initial dispute letter to XXXX, proof of delivery, credit report dated XX/XX/XXXX, and a credit report dated XX/XX/XXXX to show that the notice of dispute statement was not reported. 

Experian has disregarded my proof of XXXX XXXX XXXX XXXX violation of the law and refuses to remove this trade-line.
Product: Payday loan, title loan, personal loan, or advance loan

I started the application in XX/XX/2022 and online applied for {$3000.00} and was approved. The website said the interest rate was only 28 %. I received a call from a rep who needed to verify loan details. They as well reiterated the amount available and the interest rate. However when being funded I was not awarded the amount. I was deposited {$2000.00} and the interest rate is over 200 %. I have been paying for almost a year and none of the payments have applied to the principal. I am unable to access the site and havent received any documents. I have tried to call them and ask for clarification but the people there are extremely rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 25 inquiries from XX/XX/XXXX to XX/XX/XXXX that dont relate to me
Product: Checking or savings account

I am having an issue with Bank of america. They have disconnected my online banking and i have not been able to access my account online or make payments to my credit card due to this. I have tried contacting them on fixing this situation and they are not helping me resolve this matter.
Product: Mortgage

ADDITIONAL INFORMATION TO BE ADDED TO OUR COMPLAINT : See attached files XXXX and XXXX. 
Thank you. 
-- -- -- -- -- -- -- -- -- -- -- We dispute the remarks and information provided by Selene Finance in their response. The fact that they responded to you at all is worthwhile, since we wait and wait for them to respond to us. 
The loan was transferred from XXXX to Selene in XXXX 2014, not XXXX 2014. If the loan was transferred in XXXX, why did we make payments through XXXX 2014 to XXXX? The proof of the payments is included in the excerpts we have provided within the Selene Finance document. 
Furthermore, they are not complying with the repayment agreement, and we were in danger of non-compliance on the second payment, because they did not take out the ACH debit as they stated they would, and as we signed for. Were it not that we called them at the last minute and made a phone payment, they would have found us deficient in our agreement - because of their inaction. 
Please review the comments inserted throughout the attached Selene Finance response document as our dispute to their findings. Our resolution to this would be to have a complete and thorough audit of our account, between Selene Finance and us as the consumer, to fix this mess. It does not help that they provide a more thorough response to a complaint than they do to the actual person whose loan they service. 
Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

CHARGE-OFF DEBT IS TAXABLE INCOME AND CAN NO LONGER REPORT TO A CONSUMERS PROFILE VIOLATING XXXX5 USC 1681 EB XXXX XXXX made the account a charge off XX/XX/XXXX which is the tax year of XXXX XXXX  made the account status a charge off XX/XX/XXXX which is the tax year of XXXX
Product: Credit reporting or other personal consumer reports

Bank of America closed my credit card account and is reporting a charge-off balance of {$21000.00} on my credit report. However, there are several issues with their handling of this account : 1. Failure to Provide Supporting Documentation : Bank of America has not provided any documentation to validate the charge-off balance of {$21000.00}.

They did not issue a 1099-C form, which is required if the debt was forgiven or canceled, as per IRS regulations . 

I have requested account statements, a payment history, and an itemized breakdown of the charge-off balance, but they have failed to provide this information. 

2. Lack of Required Notices : Bank of America did not send any prior notification regarding the charge-off or closure of my account, which has left me without the opportunity to resolve the debt or verify the accuracy of the amount reported.

3. Negative Impact on Credit Report : This charge-off is negatively impacting my credit score and ability to secure credit, including an auto loan. The lack of documentation and transparency makes it impossible for me to address or resolve this issue.
Product: Credit reporting or other personal consumer reports

This complaint is that Equifax removed and then re-entered excess, abusive, and fraudulent collections from XXXX XXXX. The report also exceeds Statutes of Limitations. 

XXXX pulled my credit reports and found that they contained lots of fraud. 
This included Equifax Report Confirmation XXXX XXXX wrote a letter to Equifax disputing the fraudulent reports. 
This included XXXX XXXX, a report from XXXX. 

XXXX created a report with IdentifyTheft.gov, which included the XXXX XXXX. 

XXXX This Equifax report shows XXXX XXXX  removed. Report Confirmation XXXX I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX This Equifax reports shows XXXX XXXX  removed. Report Confirmation XXXX I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX Equifax Re-entered the XXXX XXXX  on my reports. 
I received zero dispute result correspondence via email, mail and nothing much shows on equifax.com XXXX I sent Equifax a second, follow-up dispute letter about XXXX XXXX  disputing demanding method of verification. 

XXXX Equifax entered into XXXX XXXX the XXXX XXXX. 

The other credit bureaus have removed these collections
Product: Debt collection

I have a C & XXXX against Midland and they still called my work cell phone. I attached the voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has kept an auto loan on my credit report that no longer belongs to me. A judgement by the Arizona XXXX XXXX states very clearly that any and all debt related to the XXXX XXXX XXXX shall be awarded to my ex spouse. 

I called the company in XXXX where I was cursed at and received follow up harassment calls until I blocked the number. I have sent the dissolution of marriage document as proof. 

The definition for contempt of court according to Arizona law 12-861, " A person who willfully disobeys a lawful writ, process, order or judgement of a superior court by doing an act or thing therein or thereby forbidden. '' Forbidden in this case would be this car loan for a totaled vehicle still affecting my everyday life when judgement was clear. By the book, XXXX XXXX XXXX is guilty of contempt of XXXX. 

XXXX XXXX XXXX has a history of predatory behavior, and ignorance of the law. For example, in XX/XX/XXXX, XXXX XXXX XXXX was ordered to pay {$27.00} XXXX for the exact same reason as I mentioned, " Unfair acts or practices related to the collection of loans or repossession of automobiles. '' I will attach the lawsuit documentation as reference.
Product: Checking or savings account

I was scammed out of XXXX on XXXX through my bank account and through XXXX I contacted Wells Fargo claims specialist for help and they told me it would take up to 10 business days and the next day it was closed without any explanation from Wells Fargo I would love to get my money back as I feel they are supporting the scammer in this case here are the dates and amounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX  XX/XX/XXXX- XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX