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

On my report there were multiple hits from the same company but under different names ; some having my dob incorrect along with the wrong address. Reach out the a credit repair company who acted on my behalf and disputed the items on the reports.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my accounts. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease.

I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it.

2. it is stopping me from establishing good credit.

I have also contacted via letters the creditor directly so they can also verify this account.

Debt is listed on all 3 of my credit reports under : Security Credit Services - Amount is {$820.00} Original Creditor 09 XXXX XXXX
Product: Debt collection

XXXX, I closed this account due to transferring service to XXXX almost a year ago in XXXX and they keep charging me after Ive paid through XXXX. I spoke to many different associates on the phone for over hours each time both times they told me they resolved the issue but now I found I have another bill that is in now collection. Im so frustrated I feel lied to and betrayed because honestly I feel Ive overpaid to XXXX after I transferred service and Ive asked them to review my account in XXXX and nothing, now I have a phone bill that Ive cancelled im being charged and is now effecting my credit!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them and they are constantly reporting on my account. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charged off : XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} Collection : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. During a further investigation of these accounts, they are the same accounts, brought and sold, reopened and reporting twice. Theyve be on my account for several years, having taken out some loans while attending XXXX XXXX University I new Id have some student loan debt after I lost my athletic scholarship, but none to this magnitude. They are set to be remove in the fall of XXXX, so Ive been suffering from this long enough, Ive at the point in my life where my credit is important, I have a family and secure employment, Ive paid close attention to my credit reports and have found numerous errors and fraudulent activity stemming from XXXX until now. A previous dispute for the consolidated account and total for this listed below has already been removed, switch should be more than enough proof of the fraudulency and inaccuracies. Several hard inquires were made under my name which could have stemmed from a relative of mine, who has had my information since I was living with him while in high school and he claimed me as a dependent on his taxes, hes denies any wrong doing, my information was also breach in the Equifax leak as well, and Ive lost a wallet with several of my personal information such as ID, BANK CARD, and my original SSN was in there.
Product: Credit reporting

Experian is continuing to use false reporting from XXXX after being shown documented proof of XXXX 's negligence. I submitted proof to Experian in the form of copies of XXXX Mail Certified delivery and direct complaint to XXXX for reporting false information to credit bureaus. Complaint specified false information is of a four-month period of delinquencies beginning XXXX XXXX and ending XXXX XXXX when in fact the student loan was in deferment and never late. Within the submission to Experian, I certified that XXXX had not responded to me within the required 30 days. Experian then ignored this documentary evidence and used the same false reporting from XXXX to " verify '' the false information in their XXXX/XXXX/XXXX report update. Experian failed to remove false reporting upon receipt of actual documented evidence. In a XXXX XXXX/XXXX/XXXX phone call to Experian on the matter, the Experian staff member confirmed that Experian is using an electronic " update '' from XXXX as verification. I believe this is a violation of the FCRA because the " update '' from XXXX does not contain any documentary evidence that Experian has or can provide to me, but they are using that rather than my submission of documented evidence to them.
Product: Mortgage

On or about XX/XX/2020 we received a loan approval from Loan Depot. They had pulled my credit report and were fully aware of my credentials. 

The " lock Date '' was to expire around XX/XX/2020. I was told the loan would take about 45 days to close. 

During the period from XXXX XXXX beginning of XXXX very little was done to move the loan forward. Only until we were within a 14 day- one week within the loan termination date did Loan Depot start requesting documents. ( Example of email communication is attached herein ). 

I had my title clerk prepare the documents the Loan Depot requested. We emailed them all the paper work they requested with rapidity. 

I gave them everything they'd asked for, preparing all title work and setting schedules to accommodate a forthcoming closing. The day before the lock end they called to inform me because of something that had occurred over ten years agon, they were not going to give us the loan. 

They could have told us that back in XXXX. I want to know why it took them almost two months to come up with a reason to reject the loan. I also want to see supporting documentation to support their claim. 

I would also like to know for certain this has nothing with my age. Writing a 30 year loan for someone at my age may not be something they are interested in and they can just come up with a reason to reject the loan. 

Either way, they would have been aware of this long before they strung me out for almost 2 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I went to XXXX XXXX XXXX and clicked on Transunion to get a free credit report. After going through the application process, it said that my request could not be processed online and gave me a number to call. I could never reach anyone at that number. Now I see I was billed {$19.00} for the free report I did n't receive. Moreover, the login I created only worked one time. I ca n't get back on their website. In reading complaints others have filed on XXXX XXXX XXXX about their customer service, I decided to act proactively by filing this complaint rather than engage in the inevitable fight I 'd get into dealing with them directly. Thanks for your help
Product: Checking or savings account

Bank did not make available to my family and I my hard earned paycheck.
Product: Credit reporting or other personal consumer reports

PLEASE UPDATE MY PERSONAL INFORMATION ATTATCH HERE, AND MAKE SURE IT'S ACCCURATE. THANK YOU!
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I wired {$50000.00} to XXXX. an associated company or partner with XXXX XXXX XXXX who appears to be a XXXX investment scam promising a rate of return from 2 % to 5 % PER DAY for invested sums. I wired XXXX to XXXX. as directed by the " company service '' of XXXX who was to give the XXXX to XXXX to begin earning interest. the XXXX acknowledged receipt of the XXXX after about 8 days and put it into the " mining pool '' where is began earning interest. A few days later, the " customer service '' demanded I put in ANOTHER XXXX or I would be taken off the mining pool. They then said I should request my XXXX back from XXXX, Inc.and that XXXX, XXXX would " cooperate '' and refund my money. 
I contacted the Bank of America 's manager. XXXX XXXX XXXX of XXXX Ca, branch on XXXX XXXX and he made a request for wire return. I followed up with another visit and was told the BofA ; s " wire department '' is handling the matter. It has been a month now and still no answer. The account I wired the money to, XXXX XXXX XXXX is also a BofA account. 


I have asked the Bank of America to request a refund of my {$50000.00} but the wire Department states their department is getting no response from XXXX XXXX, the recipient partner of the mining pool scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, US Bankruptcy Court # XXXX has violated my rights. 15 U.S.C 1681 section 602 a : States I have rights to privacy 15 U.S.C 1681 section 604 a section 2 : States a consumer reporting agency can not furnish a account without my written instructions I have attached a letter from US Bankruptcy Court that states they do not report any information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( Capital One Auto, Account # XXXX ), has violated several of my rights. 

15 U.S.C 1681 section 602 A. Clearly states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I noticed a company called XXXX XXXX XXXX show up on my credit reports. I immediately disputed it in which naturally all the bureaus didnt investigate at all. 

I then contacted the creditor and they explained that they didnt have anything about me and agreed to submit a deletion to the credit bureaus. Only XXXX deleted it. 

Since then in multiple phone calls, emails and disputes, XXXX  AND EQUIFAX REFUSE to delete it even though I have a copy of the deletion draft sent to each bureau. I intend to sue if its not deleted within 15 days from this communication. 

Its affecting my ability to close my construction loan into a conventional loan. This is completely unacceptable. I have real damages here.
Product: Credit reporting, credit repair services, or other personal consumer reports

A letter was sent to all 3 credit reporting agencies with an explanation of the disagreement with their investigations. 
The letter was sent on XX/XX/XXXX and it has been over 30 days. These incorrectly reporting accounts need to be deleted. They are in violation of USC law 1681 ( 2 ) ( A ) ( I ) ) USC law 1692 d It is illegal to report both income and debt on my report according to the IRS guidelines section 603. These companies have listed my account as as a charge off. And that means they filed a 1099C which is a written off income. They are committing fraud and the credit reporting agencies are doing the same by reporting this information. Income does not get reported on the credit reports. Those accounts need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Mortgage

On XX/XX/XXXX I received a letter in the mail from chase, opened it and realized it was addressed to someone else ( XXXX XXXX or XXXX XXXX XXXX ). However the letter was addressed to my current address and regarding the house my husband and I sold XX/XX/XXXX, but neither of our names are on the letter. The letter is regarding " the amount of mortgage insurance, private mortgage insurance or VA funding ee you paid in calendar year XXXX '' I called chase to request information regarding the letter- Were the names mixed up? Did they send our personal information to someone else? Is this our information under someone else 's name? Will this effect our taxes? 
Chase would not give me any information since the loan was not in my name although my husband has previously authorized me to have full access to this account.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 reporting or other personal consumer reports

Date : XXXX XXXX, Equifax Subject : Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX Last XXXX of SSN # XXXX Regarding Initial Notice Sent to Non-Mailable Address Account Name : XXXX XXXX XXXX Account Number # : XXXX I am writing to dispute an entry on my consumer report concerning an initial notice from XXXX XXXX XXXX. The notice was sent to a non-mailable address or never sent, and as a result 30 day notice was not sent before this was put on my Credit Report, I requested its IMMEDIATE REMOVAL from my consumer report. Also Equifax has this listed as a loan they never gave any money and I requested validation of debt over three months ago and they never sent validation of debt letter. I called XXXX XXXX XXXX and told me balance was more than was was on credit report, so I requested proof but never received it either. Notification of Negative Information : Section 623 ( a ) ( 7 ) requires that if negative information is provided to a CRA, the furnisher must notify the consumer of this information in writing within 30 days of reporting it. Sincerely, XXXX XXXX XXXX 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 15 U.S. Code 1681i ( a ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. 
Please send an updated copy of consumer report. I also was a victim in Equifax XXXX XXXX.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 reporting, credit repair services, or other personal consumer reports

Balance {$3700.00} Dear Sir or Madam, On XXXX XXXX, 2021 I notified Hunter Warfield Inc in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Hunter Warfield Inc refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Hunter Warfield Inc under the Dodd-Frank Act. 

Sincerely, XXXX XXXX
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitutes a federal criminal violation punishable under 18 U.S. Code 1001 additionally these misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I Am alleging that a person or company without my authorization used my personal identifying information to apple for goods, services or money. and was successfully in creating some accounts. All being investigated by the FTC.
Product: Credit card or prepaid card

On XX/XX/XXXX, via email Capitalone spark visa card asked me to verify my ID and Social security number by XX/XX/XXXX or the account will be closed. 

By XX/XX/XXXX, I had obtained a copy of my social security card from social security administration. I had provided the social security card, passport and XXXX utility bills to capitalone by fax to the fax number they had provided. 

Capital one has suspended the account while waiting for the documents flow through their system. 

I was never made aware of the suspension or any deadlines for the suspension. 

I was operating under the date of XX/XX/XXXX deadline. 

I have wasted hours on the phone dealing with this lack of adherence to accepted normal business and legal procedures.
Product: Credit card

This is in response to an earlier complaint ( Case number : XXXX ) that is still not fully satisfied. Citibank continues to send my mail to the wrong address, despite several phone calls and the previous official complaint. How many times do I have to try to get them to make this one simple change? Further, Citibank seems to be unwilling to explain to me how a person can activate a stolen credit card without my knowledge or permission, as requested in my previous complaint.