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

After Starting an investigation with Equifax several times asking them to verified this Fraudulent information. Each credit reporting agencies has a different amount on my report, Equifax reported an alleged amount of {$1000.00}, Inaccurate Information, and the collection company also collecting a different amount. 
Equifax sent me few responses that the account has been verified. How can they verify this account if the collection company can not validate account, I have contacted the collection company several times ( XXXX XXXX XXXX ), and they have refused to investigate the account. 
After starting the investigation, I get a letter from Equifax saying that they were unable to locate my credit file in their data base with the identification information I provided. even thought I sent them everything required by law.

I have never give Equifax a written consent ( 15 U.S.C Sec 1681b ( a ) 2 ) to furnish anything in 
my credit report agency, specially a alleged debt that is not mine. No consent is Identity Theft.

15 U.S. Code 1681n - Civil liability for willful noncompliance Identity Theft Report, fraud report, and XXXX report with current address Id and SSC, collection letter with different alleged amount attached. 

Thank you, Look forward for your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it would be impossible to be late on an account where nothing is owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act not to report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO EXPERIAN AND XXXX AND MULTIPLE OCCASIONS TO REMOVE THE FRAUDULENT ADDRESSES, NAMES, PHONE NUMBEERS FROM MY PERSONAL CREDIT FILE. I HAVE CONTACTED THEM ON MULTIPLE DATES, MAILED IN LETTERS, AND CALLED THEM. THIS IS FRAUDULENT INFORMATION THAT NEEDS TO BE REMOVED FROM MY CREDIT. I AM ASKING THAT ONLY MY XXXX NAME & ACCURATE AND CURRENT ADDRESS BE LEFT ON MY CREDIT FILE, PLEASE DELETE ALL OF THE FOLLOWING INFORMATION DE 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: Credit reporting or other personal consumer reports

This is the XXXX XXXX XXXX XXXX New Hampshire I lived on the border in XXXX NH and worked in XXXX so I believe 30 years ago that in the area for some reason the post office was combined. Just in XXXX because the population rural also may have two I do know someone who lives in a town nearby but they have 2 same zip codes for mail and post office boxes so this was 30 years ago but no it is not likely both as on credit report I have little to go by but it may have been someone at the same time and or unknown to get my info ID theft. I also have obviously lived at XXXX XXXX XXXX XXXX XXXX but mail was always missing from both parents growing up. So if it was showing XXXX XXXX XXXX I opened it at XXXX  when legal because I was not happy mail missing XXXX XXXX XXXX XXXX ( XXXX prior to XXXX ) and may be XXXX XXXX now XXXX. But mail by mother did happen a lot. So at XXXX opened XXXX XXXX XXXX XXXX tired of it. Own mother. But if showing as resistance at a later date it may not be me. However it may explain why I was not receiving my mail even at own place and should have had nothing to do with the residence. This is why I still question how my mother is last known connecting with people that I rented from etc. and same area and mail. If in my name I can only say which are mine if I am not sure I am really starting to question this. So it was on experian however it may be on the others and they may have more of a mess. 
XXXX XXXX XXXX XXXX is one I likely mentioned. However the mailbox was in addition to other questionable items as XXXX XXXX  XXXX etc missing. XXXX was the mail carrier. He sadly told me that because of the ice he wanted to get it up but he said that he was not allowing because XXXX XXXX XXXX did not fix mailbox sand clear and even left it when a plow might hit it more than once. So at the time during that winter storm which was not by landlord taking the responsibility to even get it to where the town asked him to put the mailbox so it would be less likely to be an issue. So town asked him to pick it up at the post office. Odd thing is he would not let me go to get my mail. Here is the correct address for my XXXX post office address about XXXXyrs old.
Product: Credit reporting or other personal consumer reports

XXXX has failed to verify the debt under Fair Debt Collection Practices Act, 15 USCG 1692 et seq., and the Fair Credit Billing Act, 15 U.S.C. 1666 reporting to credit Bureaus XXXX experian and XXXX
Product: Checking or savings account

My wife purchase two CD 's from wells fargo on XXXX. She died on XXXX of XXXX XXXX. She assured me and her daughter before her death that she never cashed the CDs. As executor of her estate I went to wells fargo, with the original CDs, and they said they have no records of anything. She must have cashed them. I know she never did. wells fargo responds " Since seven years have passed they are not legally responsible for the money anyway. '' After researching this issue, I see wells fargo has done this to Hundreds and hundreds of LIVING people with CD over seven years old. How is this Legal?
Product: Debt collection

I got a copy of my credit report on XX/XX/2022 because I want to refinance my house. My credit report showed that I had 1 medical collection reporting.

I called the collection agency Medical Data Systems collection agency listed on my credit report. I was informed that they had 2 medical debts of mine from 2 different creditors. There was only 1 debt showing up on my credit report. I asked if they would delete the account that is being reported from my credit report if I agreed to pay the {$290.00} in full. They refused. Since they did not own the debt, I sent a demand letter to return the debt to the original creditor. I then paid that debt to the original creditor.

The second debt that Medical Data Systems held that was not reporting to the credit bureaus was for {$49.00} and I agreed to pay it by money order ( attached ). I sent the payment in the mail the following day on XX/XX/2022. 
I got an updated credit report on XX/XX/2022. The credit report shows that Medical Data Systems is reporting a debt of {$62.00} as unpaid. 
This collection account was not on my credit report on XX/XX/2022. I feel that they reported that account as retaliation for demanding the larger debt to be returned to the original creditor. 
The amount of the debt that is being reported is incorrect. 
The account balance is being reported is incorrect. 
I want the account removed from my credit report since it is inaccurate.
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. 

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  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 card or prepaid card

My XXXX CARD WHICH I GET MY SOCIAL SECURITY CHECKS DEPOSIT WAS HACKED AND CHARGE WITH XXXX XXXX   WHICH IS BASED IN XXXX, I REPORTED IT TO XXXX CUSTOMER SERVICE AND GOT THE COLD SHOULDER, WHICH {$760.00} WAS HACKED FROM MY ACCOUNT.I EXPLAINED THE URGENCY I HAD TO PAY MY RENT AND IT WAS A COMPLETE BLOWING UP MY NOSE KIND OF FEELING, ANY ASSISTANCE I CAN GET WILL BE APPRECIATED.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for failing to resolve inaccuracies on my credit report after multiple disputes. 

Account Not Marked as Disputed : The credit bureaus have not marked my disputed account as disputed, which violates the FCRA. 

Incorrect Date of Last Activity : The date listed for the last activity on my account is wrong. It should be the last payment date, not the current date.

Unverified Collection Account : The collection account has not been properly validated, even after my requests, which violates the FDCPA. 

I request that the CFPB investigate these matters and ensure the credit bureaus correct the errors and follow the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this on XXXX to dispute the following information on my credit reports ( experian, XXXX, and XXXX ) : Inquiry from XXXX XXXX  on XXXX I never authorized this inquiry and am a victim of identity theft. Derogatory mark Charge-off on XXXX  XXXX XXXX XXXX XXXX am a victim of identity theft and disputed the account months ago regarding unauthorized activity. Since then, the account had been paid off and the mark needs to be removed. Please investigate this matters urgently and delete them from my report.
Product: Mortgage

I have been behind 30 days just after my loan modification ended in XX/XX/XXXX and I have been trying to keep my payments up. But recently I recieved a letter from the loan servicing company who is SPS Servicing and now they are saying in a letter after they have reviewed my loan and interest payments etc that they are increasing my loan with interest from the amount of XXXX to XXXX a month. Now how can a mortgage servicing company change my interest or increase it due to an audit finding they supposedly found and are not giving me specific information from what they sent me in writing. It appears maybe they made an error but thats not my issue or my fault and they are not allowed to increase my loan due to their poor oversight of my loan and thats why they are a loan servicing company. I would like this fixed correctly. And all my statements show I still owe as if I did from they day I did this loan back in XX/XX/XXXX. I cant see how this loan isnt going down while its half way paid off?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all because I went to a first time home buyer seminar at my church and they had some lenders there and I was told that I did not qualify for the program. They went over my credit report and I see some things on there that I know nothing about. I have contacted the XXXX and my local police. I'm doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX. Please remove these from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the equifax breach I now have to actively pay in order to keep my credit safe and secure. Upon checking their website I found out that I am vulnerable to having my information stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were 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 XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

I received an Amex Gift Card from my company for {$100.00}. It will not work at any online website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all were declined on XX/XX/. I verified on XXXX and confirmed the card has been activated and only have a XXXX hold from XXXX. I have received Amex gift card for years from my company and have always been able to use them online, however the last 2 I received both decline no matter the amount or website I try. I was on hold with customer service for over 3 hours XXXX XXXX XXXX only to be disconnected when the CS agent answered. I found that many others are experiencing the same issue and think this needs to be resolved as I now have {$100.00} in money I can't use.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get Experian to update my payment history with XXXX XXXX XXXX   XXXX. No one has been able to help me. Can you please update my account as this is affecting my credit in purchasing a new home for my kids. 

thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
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 XXXXXX/XX/year>
Product: Payday loan, title loan, personal loan, or advance loan

I asked numerous times to speak to someone more senior about additional options available to me. I even offered solutions, Im currently on a temporary plan as a bandaid. Ive never missed a payment, I filed a complaint at least 2 occasions with sofi and never received a call back. My wife went through medical issues and then I did also, I lost my job 18 months ago and am working but making significantly less. I want to pay them back but I was looking for a more permanent solution. The last person I spoke to recommended I stop paying the loan to be offered better options.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # 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 : 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

Hello, I have 2 companies XXXX XXXX and XXXX XXXX who have been reporting to my credit report. I have contacted the agencies and they still do not remove the information.
Product: Mortgage

This is regarding lien release for Loan # XXXX. Mortgage company is Mr Cooper ( their phone number XXXX XXXX XXXX ). The loan was paid in full in XX/XX/XXXX to Mr Cooper. They made a mistake when releasing the lien. On the lien release they incorrectly referenced and released a previous loan that I took on the same property in XXXX ( which already had a lien release ). They were supposed to do the lien release on loan I had with Mr Cooper ( loan that I took out in XXXX ). So they really have not issued a lien release for the the loan I took out with them and by law they were supposed to do it wihin 30 days of payment? 

So I am unable to refinance as the title company wont sign off until they release the right loan number ( and the right document number, referencing the loan I took out in XXXX ). I could refinance at 2 % right now, which is a full point below what I am paying right now and they are harming me financially. Not only am I paying 1 % more but I am at risk of loosing this rate as the new financing company wont hold the rate forever. So I may be stuck on paying 1 % higher for the term of the loan which is 15 years. Over the life of the loan I will be paying thousands more in interest I contacted their customer service department in the beginning of XXXX and I have escalated to XXXX XXXX on XX/XX/XXXX, so it has been almost three weeks and I have not received any status info from the escalation department, other than to say they escalated to the executive team but has not received any info since the three weeks I submitted the case.
Product: Money transfer, virtual currency, or money service

Squareup.com square XXXX system has stopped transferring my business earned money for the last couple of weeks to my active and re-verified bank account of choice. The total balance is XXXX till date. I have contacted them via email and phone support available by their choice of contact. {$48000.00} is amount my business made from transactions and square now under new name Block Inc has already cut their square fees but not transferring my business money into my XXXX XXXX XXXX account. Note : my business bank accounts are active and also show active and verified under my square account.

Due to money placed on hold by square/block inc , my employees have not received their two weeks pay yet! I will also complain with New York State labor department! Thank you cfpb.
Product: Credit reporting or other personal consumer reports

I did not authorized this creditor to use my information or my signature and I want this permanently removed
Product: Checking or savings account

Ordered an item through PayPal XX/XX/2022. Tried to cancel since money went to a different location then agreed. Was ordered USA transfer went to XXXX. After XXXX was taken out in XX/XX/2022. I disputed with paypal. Was told I had to wait since money to be received by seller XX/XX/2022. I have tried to get a refund through PayPal and fraud at my bank. Item never received. No one can help. PLEASE HELP. This was fraud!! 

XXXX XXXX
Product: Vehicle loan or lease

I have always be 2 to three payments behind with GM Finance and they always worked with me due to income up and down but I always paid and they were fine with that. on XX/XX/XXXX I noticed my car was taken called the non emergency police and they said my car was repo 'd I called GM and now it was taken over by XXXX I talked to someone before on the XX/XX/XXXX said what my intentions were to get it back to good status would make 1 payment at the end of XX/XX/XXXX and 2 in XX/XX/XXXX He said I will note that and you should be fine. Why did this happen when I called on XX/XX/XXXX they told me there was no record of it also I set up a payment and account I always use for this month and said they could not verify the bank info so it could not be processed never receaved a call about that this has been such a nightmare and now they want me to pay XXXX to get my car back
Product: Credit reporting

We requested credit investigations almost two months ago, and so far, Experian has not sent us any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Included is a list of accounts that were opened in my name fraudulently ( company and amount ) : XXXX XXXX ( hard inquiry ) XXXX XXXXXXXX XXXX {$9900.00} XXXX XXXX {$3400.00} XXXX XXXX XXXX XXXX XXXX$2800.00} XXXXXXXX XXXX XXXX XXXX {$320.00} XXXX XXXX {$13000.00} XXXX XXXX {$9100.00} XXXXXXXX XXXX {$5000.00} XXXX XXXX XXXXXXXX {$1400.00} XXXX XXXX {$1000.00} XXXX XXXX {$540.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX$300.00} XXXX XXXX {$120.00} These accounts are a mix of credit cards, collections, and utilities. I did not open or have any knowledge of these accounts
Product: Debt collection

Since XXXX XXXX, 2013, Revenue Recovery Corporation ( " RRC '' ) has been using my social security number and date of birth to report to the credit bureaus that I owe a debt that I do not owe to Jewish Hospital. I had notified RRC several of times that I was not a patient at XXXX Hospital in XXXX both verbally and in writing. I have had to clear off my credit reports at least two to three times because of RRC reporting false information. XXXX Hospital has not responded to their inquire each attempt because I do not owe XXXX Hospital in 2013.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I pushed the lock button on my Coinbase app to test the feature. Same day I asked them to unlock it and they sent me a link to provide a picture of my ID front and back and a video of myself which I did. After that they send me a reset my password name which I have tried multiple times with XXXX luck. They keep sending me the same reset my password link and it does not work and they are not helping me over email either. 

XX/XX/year> Still waiting to log into my account with XXXX access. Their customer support is not helping me and keep sending me automated messages. I feel very vulnerable and scared to lose my money and being locked out of my account..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 
List of accounts to be deleted. 
XXXX XXXX XXXX  XXXX Account number XXXX Date opened Indicates the date an account was opened XX/XX/2011 The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( XXXX ) ( XXXX ) ( XXXX  ) ] : ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( XXXX ) any authorization or approval of a specific extension ofcreditdirectly or indirectly by the issuer of acredit cardor similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( XXXX  ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. On XX/XX/2020 I wrote a letter to Experian to correct the wrong information on my report. They did not reply so I wrote them another letter on XX/XX/2020. It has been more than 60 days. They are in violation of 611 ( a ) of the fair credit reporting act.