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

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

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


XXXX Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYER : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX - 2 fraudulent charges were made XXXX and XXXX  and dispute was created. Dispute # XXXX  XX/XX/XXXX - dispute XXXX XXXX was approve and XXXX was credited back but not XXXX XX/XX/XXXXXXXX - received an email stating that XXXX was credited back. No credit was given in my account. Contacted bank and they said they will send me an email 24-72 hrs. No email was sent to be within that time frame. 
XX/XX/XXXX - contacted customer service regarding the credit that was approved but not given and they researched and said the investigation team will credit back within 24 hrs. 
XX/XX/XXXX - nothing was credited back.
Product: Money transfers

i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is violating my rights under the No Surprise Act of XXXX. I have a medical bill that an out of network provider is charging without my prior authorization. I am requesting this item be removed from my credit report immediately as under the condtions of the FCRA I am allowed a fair and accurate credit report Please see below for detials. 
Americollect INC XX/XX/XXXX in the amount of {$220.00} Americollect INC XX/XX/XXXX in the amount of {$130.00}
Product: Vehicle loan or lease

A debt validation letter was sent to Regional Acceptance on XXXX in return i have only received the promise to pay and a copy of the payment history. UCC 9-102a 65 ( 65 ) " Promissory note '' means an instrument that evidences a promise to pay a monetary obligation, does not evidence an order to pay, and does not contain an acknowledgment by a bank that the bank has received for deposit a sum of money or funds.

they have also been harassing me with multiple phone calls. they have also sent over my personal information to a third party for repossession in which is identity theft. they have failed to validate this loan, i would like to remove this illegal debt collector off of my credit.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I made an online transaction for a spiritual psychic reading and healing service and I was given a Cash App by the business owner to send the money to. I spoke to the business owner prior to sending the money, and they had confirmed that my service would be delivered that day. After sending the payment to the cash app XXXX XXXXXXXX I was told that they did not receive the payment even though I have a screenshot and receipt confirming I had sent it. I contacted them several times asking for my service and they did not respond. I requested a refund to which they denied. I called their number and discovered I was blocked. From that point I contacted Cash app. I told Cash App verbatim that I paid for the service and verified who it was prior to sending payment, but I did not receive my service and believe I was scammed. The agent that I spoke to on Cash App told me that it was my fault for sending the money to this person and that they would not refund the money despite this being a fraud/scam. I contacted cash app several times and even provided a screenshot of the conversation as well as a screenshot of the Cash App information that I sent the payment to, yet I was still denied a resolution. It has been weeks of fighting this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX  XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. 
XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1500.00}
Product: Debt collection

Allied collections is reporting false amount and being deceptive and violating the FDCPA
Product: Debt collection

I recently disputed XXXX credit card collections with XXXX to have them removed from my credit report because they came back verified. I requested documentation to prove these debts belong to me but I have not received any proof.
Product: Checking or savings account

On XX/XX/2024, I made a check deposit with a teller at Bank of America XXXX XXXX XXXX at XXXX, PA location. I was told {$220.00} would be available the next day and the rest available on XX/XX/2024. The next day on XX/XX/2024, my checking was overdrawn {$1600.00} and {$220.00} was missing. I couldnt get to bank because Im in training all day with my new job. I called on XX/XX/2024 XXXXXXXX XXXX the XXXX number, the gentleman couldnt find the original deposit, I gave him the all the numbers on the two receipts the teller gave me. He still couldnt find the deposit. Put me on hold came back and said its bank error. It should be resolved the next day. I asked him are you sure because my checking account is overdrawn {$1600.00} and my paycheck hits the account the next day. Your direct deposit should be fine. The next day on XX/XX/2024 my checking account is still overdrawn but now {$680.00}. Im devastated, I was explained this will be resolved and I would be able to receive my paycheck. I decided to go to my local branch Bank of America XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The Assistant Manager XXXX XXXX and another gentleman overextended their efforts. She put my account in good standing and able to receive my paycheck. I was left no funds couldnt pay my bills or get anything to eat all day Friday. I was told from XXXX number and the chat line I would have to wait until Monday, XX/XX/XXXX after XXXX for the funds to clear. As of today still missing a check deposit. Unacceptable. The check deposit is a local check from XXXXXXXX XXXX Wheres the check deposit. I need assistance to resolve this matter now.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Information on Experian Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute incorrect information that appears on my Experian credit report. The report contains inaccurate details regarding my name, address, and job occupation, which I request to be corrected immediately. 

The correct information should be : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Occupation : XXXX XXXX  XXXX XXXX and XXXX XXXX I request that Experian promptly investigate and correct these errors to ensure that my credit report accurately reflects my identity and employment. I have attached copies of supporting documents, including my government-issued ID, proof of address, and business ownership documents, to verify my identity and employment status. 

Please provide written confirmation once the corrections have been made. If additional information is needed, you may contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

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

I attempted to apply for employment and was denied due to 2 Chapter XXXX Bankruptcies that is somehow reporting on my credit report that should not be as I have never filed a Chapter XXXX Bankruptcy. 

Chapter XXXX bankruptcy - Dated Filed XX/XX/XXXX Chapter XXXX bankruptcy - Date Filed XX/XX/XXXX I have 2 Chapter XXXX Bankruptcy 's that is appearing on my credit report. I have never filed a Chapter XXXX Bankruptcy. I went to the US Bankruptcy Court House at XXXX XXXX XXXX XXXX # XXXX XXXX, IL XXXX and spoke to a clerk and she indicated that she didn't see a bankruptcy and they wouldn't have reported a bankruptcy to the credit bureaus. I have send 4 letters to all 2 bureaus ( XXXX and Equifax ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and they have not still responded to my letters as to where they got this information from and why they reported some inaccurate information. Please assist me in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$360.00} XXXX XXXXXXXX Balance XXXX {$5600.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$250.00} This is a follow-up complaint prior to my previous attempt.
Product: Mortgage

When I currently have a house loan thru Carrington Home Mortgage and for the past year it has been a constant battle with this Mortgage company from not applying my payments correct to flagging my account as a bankruptcy ( which I have never have filed ). I recently decide too go ahead and refinance by house loan thru another company which is offering a better interest rate. Carrington has been roadblocking in which way possible for me on to access the information on line to provide to the new mortgage company. I have made several attempts and spoke to over XXXX supervisors at Carrington promising that this bankruptcy issue would be removed and the statements would be recreated and sent to me and as of today XXXX/XXXX/2016, it have been over a month, and not received the information that I need to proceed with my new loan. I am XXXX and XXXX man this issue is causing health issue because of the stress. I need you help to help me with th abuse this company is placing on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account listed is not my account please remove asap XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX # 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 this account was opened fraudulently in my name i have never had a account with them
Product: Student loan

I have a loan with XXXX XXXX XXXX. 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 both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/21 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXX XXXXnd all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

I was not made aware of the transfer/sell of the debt. The response is false information and the copy you sent did not provide any justification. The collectors did not send anything to me prior to CFPB complaint. The original old debt was written off by a different company. The amount is incorrect and there is no legal right to sue in the state of Arkansas because I do not have a contractual agreement with this junk debt collecting agency. I did not receive a written notice/debt validation letter within five days of the collector 's initial attempt to contact you. I was only notified by advertised attorney mail indicating I was being sued. This debt collector did not follow the law. The debt agency did not send actual proof of notifying me of the debt validation. They mailed copies of irrelevant information to my complaint.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX} These credit accounts are the results of identity theft and fraud.
Product: Debt collection

There is an account on my credit report that is due to fraud. I have contacted the company and they have no record of my account, yet XXXX and Experian continue to report that account ( Block XXXX XXXX and XXXX XXXX XXXX XXXX ). The attached documents prove this does not belong on my report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX *** Balance Owed : {$7100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REFERENCE NUMBER XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file does not belong to me. This account was fraudulently opened through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I received my Annual Credit Report as well as a copy from your site, zero late accounts and zero negative accounts, yet, my credit union, XXXX, states that you are advising them of me having a serious delinquency. Something in your systems is giving this information and i need you to review it and fix it immediately, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove a collection account from portfolio recovery services even though they admit the person who opened the account t they have in collection has a different social security number than mine
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, XXXX XXXX XXXX with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : XXXX XXXX XXXX-XXXX, XXXX XXXX XXXX-XXXX, and XXXX XXXX-XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
Product: Mortgage

Hi, My name is XXXX, my loan was originally serviced though TMS and then was transferred to XXXX XXXX. I made my first payment to TMS for {$2500.00} of which {$2300.00} was the normal mortgage payment and {$180.00} was extra to be applied to principal balance. At the time of payment the extra {$180.00} was not applied to principal and left in a " suspense '' account. I called multiple times to get this extra payment applied to principal, as the principal balance is accruing interest and it should not be sitting in a separate balance. 

In the middle of XX/XX/XXXXmy loan was then transferred to XXXX XXXX. The transferred balances were as follows : Transferred to XXXX ( XXXX Received ) Principal Balance : {$310000.00} Escrow Balance : {$4100.00} TMS Account at time of Transfer Current Principal Balance : {$310000.00} Current Escrow Balance : {$4200.00} Suspense : {$180.00} As you can see, the balances were not transferred correctly and there has been no action taken to correct these issues. I have contacted TMS by phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each time I've contacted TMS there had been promise of follow-up and resolution to these issues. I have had no follow-up contact, or even acknowledgement of the conversations via email. Due to this lack of response I've been forced to file this complaint. I feel as though their corporate operations are actively trying to deceive me while not taking any action. At a minimum they need to increase the visibility of their communications with customers, follow-up with emails or phone calls, anything that shows that an account discrepancy is actually being worked on being resolved. The response shouldn't be, we'll fix it, trust us. There needs to be accountability and visibility. 

Best Regards,