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

I am a victim of ID Theft! After reviewing my credit report recently as I have not used my credit in many years, I have seen a lot of discrepancies on my file. There are multiple accounts that have been opened in my name without my authorization! I am filing all the necessary paperwork as I have recently found out about this. The following accounts need to removed from my XXXX, TransUnion, and XXXX reports as they are unauthorized accounts : XXXX XXXX XXXX XXXX XXXX, XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX  XXXX. XXXX, XXXX {$540.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX  XX/XX/XXXX {$470.00} XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX {$300.00} XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Dear CFPB, I hope this letter finds you well. I am writing to formally submit a complaint regarding inaccuracies in my credit report furnished by Equifax that are affecting my ability to secure credit and loans. 

Specifically, I have noticed that Equifax has furnished late payments and transaction experiences on my credit history. This reporting seems to be in clear violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, As a consumer, I rely on accurate credit reporting to secure the financial products I need. The erroneous information reported by Equifax has had a significant negative impact on my creditworthiness, and I believe it is imperative that this issue is addressed promptly. 

I kindly request that your office investigate this matter and take appropriate action to ensure that Equifax is held accountable for its reporting practices. I appreciate your attention to this issue and look forward to your response. 

Thank you for your assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. 

On XX/XX/2019 I disputed a late payment on my credit report of Transunion. 

One of the options given to dispute was that I am not responsible since it is a business credit card and not a personal credit card. 

This is what I wrote to them : Dispute Reason Ownership : I am not responsible for this account ( e.g. belongs to ex-spouse or business account ) On XX/XX/2019 they responded with this : Verified As Accurate - It looks like this item is actually correct and that it's going to stay on your credit report. 

How is that accurate? Since it's a business card why am I personally liable? 

File number XXXX
Product: Debt collection

RMP Services LLC is reporting on my XXXX credit report that I owe them {$1000.00}, this was paid by another collection agency out of XXXX, Nebraska through XXXX XXXX XXXX over a year ago. I settled the account and amount with them and now this new collection agency is stating I owe them the whole amount of {$1000.00} and threatened to take me to court and get an attorney. I know medical bills are not by law suppose to be reported on your credit reports anymore. I did have XXXX and now in XXXX and have paid all my medicals off so I was very upset when I saw this on my credit report especially when they sent no letter to my previous address or the new one. I sent them two letters to request documentation asking for what this was for and date of service and all I got back was this generic letter. The letter I received back was ridiculous as I gave them all the information they are asking for in my original two letters. I have now sent a 3rd notice requesting the information again. I want this deleted off my credit report, its illegal as the federal trade commission law that passed in XX/XX/2020 so they are in violation of this Act. 

Thank you so much for helping resolve this matter, I am trying to purchase a home for my family and this is hindering me from doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

SECURITY FIN Account # : XXXX** XXXX** Account Type : Installment Installment Account Type - Detail : Unsecured loan - Bureau Code :  Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} No. of Months ( terms ) : 7 7 High Credit : {$480.00} {$670.00} Credit Limit : {$0.00} {$0.00} Past Due : {$670.00} {$670.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Charged off account Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Late Payment Status : Was 30 days late 1 time ( s ). Was 60 days late 1 time ( s ). Was 90 days late 1 time ( s ). Was 120 days late 2 time ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please send me The True Books including : 1.balance sheet, 2.FAS XXXX, 3.Thrift Finance Report ( TFR ), 4.FR XXXX Balance Sheet, 5.XXXX-OID, 6.S-XXXX/A registration statement, 7. XXXX-bXXXX prospectus, 8. RC-S and RC-B call schedules. 
9. XXXX-C Your failure to send these documents within XXXX days you agree to pay Me {$3000.00} in the form of a check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking into rates for refinancing and XXXX XXXX or Factual Data said this was just a quote and was a soft inquiry now on my credit report
Product: Debt collection

account was closed and balance is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is a violation of my rights and needs to be removed.
Product: Money transfer, virtual currency, or money service

On XXXX/XXXX/XXXX, I was trying to purchase a concert ticket from someone ( XXXX XXXX ) in Maryland, whom I met online. The person said Wal-Mart had a Moneygram service we could use which would not let the receiver pick up the money without receiving a reference number that comes printed on the ticket. Wal-Mart confirmed that this is how the service works. I set up the money transfer for {$200.00} and received Reference Number 1. The same day, I received a call from the person saying that she did not have her ID and needed me to change the name on the Moneygram transfer to her friend 's name, " XXXX XXXX ''. I went back to Wal-Mart and they could not find the transfer based on the Reference Number 1. Apparently the reference number had changed somehow. Wal-Mart could not explain it. The transfer reference number had somehow changed to Reference Number 2. Wal-Mart was able to track down the transfer by calling someone, and said they would put in the new name on the transfer and would provide me a new reference number ( Reference Number 3 ). When I did not receive the ticket in the mail, I went back to Wal-Mart on XXXX/XXXX/XXXX and tried to pick up my refund. Wal-Mart said the money had already been received by XXXX XXXX and that I was not bale to receive a refund. I filed a complaint with Moneygram and they said they could not give me a refund. I believe the Moneygram service is flawed and they should reimburse me my {$200.00}. If people can use the service to scam people without receiving a reference number, then Moneygram should fix the problem or reimburse those who get scammed..
Product: Credit card

Goldman Sachs forged and falsified bank records to intentionally fabricate disinformation in a pathetic and disgusting attempt to gaslight me to cover up employee misconduct. Goldman Sachs falsely fabricated a defamatory and libelous accusation that I did not have a perfect payment history when I never missed even XXXX payment nor had any of my payments ever not honored. Its as if Im just a XXXX XXXX XXXX to Goldman Sachs because Im a minority and because Im a minority and Goldman Sachs is allowed to perpetrate in bank fraud by creating false bank records with defamatory false and hurtful allegations that are untrue. Goldman Sachs thinks they can get away with such brazen misconduct because they can simply just bribe the right people with their political donations.
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and seen some information I can not verify so Im requesting you investigate the accounts listed below. Please see details on specific reasons Im challenging these accounts. 

Furnisher : XXXX XXXX XXXX XXXX  with an original balance of ( {$2000.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA XXXX 

Furnisher : XXXX XXXX XXXX XXXX  with an original balance of ( {$3500.00} ) Account number : XXXX DISPUTE ITEM : Late payments from XX/XX/XXXX to XX/XX/XXXX DISPUTE REASON : I can not verify the validity of these late payments. I dont understand how I started with 90 days late without first being 30 or 60 days late REQUESTED ACTION : please update to reflect accurate payment history or remove it from my credit report for violation of the FCRA XXXX 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery of my validation of debt letter or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : XXXX XXXX XXXX Account number : XXXX DISPUTE ITEM : Collection account being furnished by XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this collection or collection agency. They did not validate the debt prior to putting this on my credit report. 
REQUESTED ACTION : please provide me with proof of delivery or remove from my credit report for violation of section 809 of the FDCPA. 

Furnisher : XXXX XXXX XXXX. 
Account number : XXXX DISPUTE ITEM : Charge off being furnished by XXXX  DISPUTE REASON : Payment history incomplete REQUESTED ACTION : please remove it from my credit report for violation of the FCRA. 
This account has NO Payment History being furnished but is reporting as a charge off.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my credit score and my ability to obtain credit on fair terms.

In accordance with the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only inaccurate but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any inaccurate or fraudulent information that appears on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : Experian : Accounts : 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 TransUnion 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, credit repair services, or other personal consumer reports

These collection accounts being furnished and reported by XXXX XXXX XXXX are hereby reported as fraudulent accounts to the FTC and the NC Department of Justice XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX are fraudulent and have been actively furnished unlawfully by XXXX XXXX XXXX. 

Remove immediately! 

The collections accounts being reported to the credit bureaus, after XXXX plus disputes, and laws violated against me were never investigated properly nor were the accounts ever validated properly even when an attempt of validation was sent to me XXXX years after the credit bureaus unlawfully allowed these collections to stay on my credit files even after XXXX plus complaints filed with you and over XXXX complaints to the CFPB in numerous times asking for validation of these collections and a statement of what services that I had allegedly received in 2017 to warrant these claims by XXXX XXXX XXXX giving you all as a whole numerous times to take take appropriate action per XXXX laws and state laws and i continue to contend i have no knowledge of these XXXX debts that this rogue lawless collection agency has furnished derogatory information and never once after XXXX plus companions properly or successfully provided any documentation to me that is required by law and have put themselves in great legal peril because their actions have been unlawful and the XXXX, XXXX, and Experian will be held legally accountable once I have my day in court with this out of control collection agency that has demonstrated deception trade practices at a whole new high according to law enforcement officials i have spoken to. 

Furthermore, these XXXX collections are unlawful and you all are liable for your actions.
Product: Checking or savings account

I received my tax refund to this account and needed to transfer out of it due to an emergency and came and my husband closing on a home. I made 2 seperate transfers to two different external accounts. The very next day when I tried to log in to check the status of the transfers I was locked out of my account and had to call. I called and got the situation resolved and was told the money would go back into the account since the transfers were reversed. I didnt like the outcome of the situation so I decided to close the account and was told by multiple people that the account was closed and the funds have been transferred to my preferred account. I checked the status of the these transfers multiple times and was told everything was okay. On XX/XX/24, I opened up the app to check the status of the transfer since I requested the account closed and and saw the account was open and was surprised since I requested to have it closed on the XXXX. I reached out to chat and was advised that the account was still open, the transfer was good and that there was a security alert on the account when I indeed closed it on the XXXX and I was advised that I needed to call and speak with someone in a different department. So on XX/XX/24, I called and spoke with a security specialist and explained what was going on and was advised that due to it being quick money movement that XXXX cant access my funds. I advised the lady that the account should be closed there is no reason I cant access money that my husband and I worked hard for and this account needs to be closed. She advised me on how to officially close it and get the money. 


I NEED THIS MONEY TO CLOSE ON A HOME. This has caused so much emotional distress.
Product: Credit reporting or other personal consumer reports

I noticed A late payment on my Experien report from XXXX In late XXXX reached out to experien To have the late payment removed because i was not the person who opened a loan with XXXX my girlfriend used my credit card without my knowledge but she was making payments on this loan from her own bank account not mines she gave XXXX her banking information for payments when she opened the loan.Enclosed is the documents that show my XXXX purchase history doesnt reflect the XX/XX/2023 purchase so how can i be responsible? Experien told me to have XXXX remove the late payment so for the past two months i have been getting told every 3 days that my dispute has gone to a higher escalation department and to call back in 3 days.Their first response to my dispute was that i was responsible for the loan until i emailed new information that supported and showed that my girlfried had made several payments on this loan from her own bank account.Consumer Reporting Agency have a vital role and responsibility to report Consumer information to the best of their ability with maximum accuracy .I did not open this loan with XXXX for XXXX as my personal XXXX history doesnt reflect the purchase in question also i never made payments on this loan and the only person who made payments on this loan is the person you should be looking at not me.
Product: Mortgage

I am filing more complaints against SPS because of the unfair treatment I received in setting up a repayment plan that I can not afford. The payment is too high, and it not based on my current income and expenses, they also ignored my serious health issues. 

I am very ill, and my mortgage crisis is really taken its toll on me, we don't seem to be getting anywhere. I am going to file another complaint because you don't seem to do anything positive about my mortgage and it really bothers me, I sincerely hope that we can work together even though I am very sick. My XXXX XXXX XXXX XXXX and what happens if I pass away. I need to know before an event happens. Please it's not a good idea to foreclosure when I am facing death.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get credit score or any information from Experian and XXXX XXXX. Ive tried to contact Experian and XXXX XXXX several times on the phone. Could never reach a customer service representative with Experian due to automated system so I then emailed them on XX/XX/XXXX. Received an email that did not help at all. Repeatedly emailed them asking for help explaining that I was locked out of account for some reason and received the same automated email over and over. When contacting XXXX XXXX through XXXX XXXX, was told that my social security was wrong when I first opened my account which was XX/XX/XXXX. Was told it was going to be fixed and I should be able to access in a week. And on this day XX/XX/XXXX I am still unable to access it. It says it is unable to recognize my information. Called again several times and was told everything looks fine on their end and kept getting transferred to different departments. The last time I tried to contact them to resolve this issue XX/XX/XXXX and I kept getting transferred to different departments as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this dispute regarding Equifax, XXXX, and XXXX Credit Bureaus from XX/XX/2022. I submitted substantial documentations that all Credit Accounts on my account as PIF with proof of payments for each with a 1099C. The accounts were never resolved and after exhausting all other resources, I have been forced to complain against these agencies again. 

I also filed a complaint with your agency and never received a response or a resolution so this is also my second attempt with your agency. 

I wish for this to be resolved asap as it has caused substantial harm to myself as well as my potential in obtaining more credit with better rates/contracts. 

I have also requested all eroneous information regarding inquiries/wrong address information be removed or updated. Requests were not honored causing further harm to me per my inability to obtain more credit with better rates/contracts.
Product: Credit card or prepaid card

Back in XX/XX/2016, I was experiencing financial hardship, and I made a couple of late payments on my XXXX XXXX credit card.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my pnc secured credit card was closed and I was sent a check for my remaining balance. Since then this credit card has been reporting inaccuracies on my credit report. On XXXX  it is reported that the last report date was XX/XX/XXXX and that I missed the XXXX payment but that my account status is paid. However on XXXX its reporting the last reporting date as XX/XX/XXXX and that my last payment was XX/XX/year>, but also that I missed XXXX payment and shows no other payment history at all.
Product: Mortgage

I was struggling to make payments, but I was making them. One month all of a sudden I call to make payment over the phone and I was told they could not take payments, that I had to apply for a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.