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

Dear Equifax and CFPB, I am writing to bring to your immediate attention the misleading, outdated, unverified, and inaccurate information reported on my credit report regarding the account referenced below. This erroneous data is not only damaging my credit profile but is also causing me significant emotional and financial distress. 

**Account Details : ** - **Account Type : ** Installment - **XXXX XXXX : ** XXXX - **Account Status : ** Derogatory - **Monthly Payment : ** {$0.00} - **Date Opened : ** XX/XX/XXXX - **Balance : ** {$5800.00} - **Payment Status : ** Collection/Charge-off - **Last Reported : ** XX/XX/XXXX The inaccuracies are evident. The account status is flagged as " Derogatory, '' yet the balance and payment history are outdated and misrepresented. There are also discrepancies in the reported amounts and dates that do not align with my records. As a consumer, I have the right to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

Additionally, 15 U.S.C. 1681i provides me the right to dispute incomplete or inaccurate information, obligating you to investigate and correct these discrepancies within a reasonable timeframe. Given the nature of these inaccuracies, I kindly request the immediate blocking and deletion of this account from my credit report. The presence of this misleading information is not only a violation of my consumer rights but also a defamation of my character, impacting my ability to secure credit and financial opportunities. 

I urge both Equifax and the CFPB to take this matter seriously and to act swiftly. I expect a prompt resolution to this issue and will not hesitate to escalate my complaint if necessary. 

Thank you for your immediate attention to this critical matter. I look forward to your prompt response confirming the actions taken to rectify these inaccuracies. 

Sincerely, XXXX XXXX
Product: Debt collection

I have reached out to Jefferson Capital on several occasions in regards to a debt that I have no knowledge of that appears on all three major credit reports. Several letters have been sent with no communications in return.
Product: Credit reporting

I disputed information, no valid debt confirmation was recieved within the period allowed by law. the information is still reported on my Credit and has not been removed
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts, reporting that I do not recognize
Product: Student loan

Checking my Credit report and the loan servicer MOHELA appeared with 2 accounts that ARE NOT mine. The money was given to XXXX  XXXX XXXX and they were no help in solving my problem I then filled out ID theft affidavits with them and still have heard nothing. I spoke to someone named XXXX in the aid office and she would give no information accept that my loans were late. I explained that I have not been in college since XXXX. I have filled out multiple complaints with different agencies. The Fed just gives out money without proving who the borrower is and the college doesn't check either because all they want is payment and could care less whos credit they destroy.The total stolen from me and just handed over The " XXXX  '' is XXXX dollars so far. Unless the promissory note is stopped the college can keep taking my money without having to prove who the borrower is. Mohela blamed the college. The college blamed the fed and the only one XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan through XXXX XXXX XXXX on XX/XX/17. 

I filed for Chapter XXXX Bankruptcy in XX/XX/2017. The vehicle loan was excluded from the plan. ( Proof attached ). Timely payments have been and still are being made. 

Since that point the loan, on my credit report, has continually showed incorrectly. Some months it shows that it is closed. Some months it shows as being open, but no balance, no payment information. Some months it shows open but being part of bankruptcy. 

Currently, it is not showing anywhere on my XXXX  account ( it isn't shown as open, it isn't shown as closed, etc. On Equifax it is showing as closed, XXXX % paid off, but no payment information ( Highest Balance = {$0.00} ) - Equifax screen shot attached.

I disputed with XXXX  on XXXX  XXXX  & XXXX   XXXX  ( via XXXX website ), details attached. I also disputed directly with Equifax on XXXX  XXXX  ( details attached ).

In all cases, " changes '' were made to the reporting, but the changes were still inaccurate and the following month the reporting changed ( sometimes reverted, sometimes to something completely different ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note I am a victim of identity theft. I sent this company my dispute on XX/XX/XXXX attached with all relevant documents for their verification but to my surprise, nothing was deleted with respect to what I had disputed. All disputed items are still reporting on my credit report. I hereby notify of my intent to sue but would gladly avoid the legal battle if this company deletes/correct the following erroneous data : XXXX XXXX ref # XXXX I have never been late on this account, Delete the late payment history immediately XXXX XXXX XXXX Ref # XXXX I have never been late, the XX/XX/XXXX history Is very erroneous, please delete right away XXXX XXXX Ref # XXXX This is not my account, opened fraudulently Please delete thank you XXXX XXXX XXXX Ref # XXXX My payment history for this account was flawless For the year XX/XX/XXXX and XX/XX/XXXX. How can I be late? 
Back to back on XX/XX/XXXX-XX/XX/XXXX, please delete XXXX XXXX XXXX XXXX # XXXX Paid satisfactorily for the year XX/XX/XXXX, XX/XX/XXXX late Payments inaccurate, please delete this history XXXX ref # XXXX I have had an outstanding record with these account The late payment on XX/XX/XXXX very incorrect, delete it XXXX XXXX XXXX Ref # XXXX I dont owe this people anything, please Delete right now from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a credit alert from several of my monitoring companies for a credit card that I do have from   XXXX   XXXX  . It was a   XXXX   MasterCard. I 've been a loyal customer since 2010. I called to inquire about the 30 day late and was told I did n't have one. I then asked to speak to the manager and was put on hold. The call disconnected. A couple days later, I received a few more alerts, alerting me that my account was closed. I did a direct dispute with Transunion. That 's the only report it 's on. The other  XXXX  Bureaus show no latenesses. Transunion claimed the information was verified. I ca n't dispute again.
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 Account Number : XXXX Account Name : XXXX XXXXXXXX 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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX  - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is still reporting fraudulent information on my credit report I disputed the information and I called them. The customer service was horrible over the phone, the lady told me I had to contact other companies about the issue because they cant remove the information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In XX/XX/XXXX, a lease agreement was made for XXXX year for an apartment at XXXX XXXX XXXX, for which I was charged 2 months of rent + security deposit + broker 's fee totaling {$6800.00}, with the effective date of the contract being XX/XX/XXXX. Due to unforeseen circumstances, the apartment was abandoned before the end of the contract, without notifying the landlord. It is worth mentioning that the deposit was not returned to me. On XX/XX/XXXX, my credit history was affected by a supposed debt of {$2200.00} from the debt collector Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX of this year, I was contacted by email by the same company, requesting payment of the debt without specifying the reason for the charge or any details.
Product: Debt collection

My report contains inaccurate accounts I didnt open. Requesting immediate removal and blocking.
Product: Mortgage

In or around XX/XX/2018 XXXX XXXX was approved for a loan modification. On XX/XX/2018 XXXX XXXX submitted an appeal of the loan modification offer. Pursuant to Regulation X, 12 C.F.R.

1024.41 ( h ) ( 4 ) a loan servicer is required to keep an offer of loan modification open until no less than 14 days after the loan servicer completes the appeal. On XX/XX/2018 XXXX XXXX, an attorney for Caliber Home Loans, notified Mr. XXXX that, since he rejected the modification offer, " your default can not be cured '' and the property was now subject to foreclosure. XXXX XXXX did not acknowledge the right to appeal or the deadlines prescribed by Regulation X. Caliber then advanced foreclosure while the appeal should have been pending in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Product: Credit reporting or other personal consumer reports

I started this issue with the XXXX  back in XX/XX/XXXXXXXX  and it still has not been resolved. 

I am still waiting on the letter from XXXX XXXX as they once again reported me as delinquent but instead of in XX/XX/XXXXXXXX  they changed it to XX/XX/XXXX. 

I have three weeks to move and my and my kids now have no were to go because of this. 

I have contacted a lawyer, and plan to sue XXXX XXXX as they are unwilling to fix their issue. 

They have reported illegal information, this card had nothing at all to do with the bankruptcy, nothing at all, I do not understand why it is so hard for them to read. 

I will try again the XXXX  XXXX was filed in XX/XX/XXXX, and discharged in XX/XX/XXXXXXXX  if the card was not open in XXXX  it could not be included in the bankruptcy, it was illegal of them to closed the account using an old bankruptcy case. 

And no payments were late, as they refused to take a payment from me in XX/XX/XXXXXXXX  this is all XXXX XXXX error. 

Attached is a new Equifax report showing the delinquency that XXXX XXXX report on XX/XX/XXXX.
Product: Credit card

I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. 
They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on XXXX XXXX. I noticed some hard injuries that did not have permissible purpose. I also attached evidence. 

XXXX - Inquiry Date : XX/XX/XXXX XXXX - XXXX Date XX/XX/XXXX XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX  Accpt - Inquiry Date : XX/XX/XXXX XXXX - XXXX Date : XX/XX/XXXX XXXX  - Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Student loan

I had student loans through XXXX XXXX. They closed and the lawsuit states that I'm no longer responsible for these loans. I reconsolidated the loans through XXXX and they will not discharge them until the Department of Education tells them to. These are still showing on my credit report as me owing.
Product: Credit reporting, credit repair services, 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 payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments Account Number : XXXX that are reported on my credit file maintained by Equifax XXXX I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

I need to dispute the accuracy of an account on my credit report. The account in question is with XXXX XXXX XXXX and has an account number of XXXX. It was opened on XXXX XXXX XXXX  and has a balance of {$0.00}. After reviewing my credit report, I noticed that there isn't sufficient evidence to confirm the validity of this account. The information provided is vague and doesn't give enough details for me to verify its accuracy. As per the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate removal of this account from my credit report since there isn't enough evidence to support its existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there t1at I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$300.00} XXXX  XXXX {$620.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1200.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX originally ( XXXX XXXX ) XX/XX/2015 Account # XXXX Please validate this information with these collections agencies and provide me with copies of any documentation associated with this account, with my signature. In the absence of any such documentation with my signature. I formally request that this information be immediately deleted/ removed from the credit file you maintain under my Social Security Number. Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. I am keeping careful record of your actions, including multiple attempts of how many times, I have contacted you via certified mail and by phone to correct the inaccuracies of these collection agencies! 

I also took the liberty of attaching my credit report from XX/XX/XXXX where the account was not even showing up. XXXX XXXX are billing due to pipes bursting, I am not entitled to pay. I attached the certified letters stating I am not responsible for any pipes bursting and it was and is currently a false claim. I will not pay for something I am not responsible for I did not break lease or cause the pipes to rupture or breach any part of my contract with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT FILE. I DISPUTED SOME ITEMS THAT WERE NOT AUTHORIZED. TWO OF THE THREE CREDIT BUREAUS REMOVED THOSE ITEMS. I HAVE SENT A COPY OF THE ITEMS THAT WERE REMOVED, UNDER THE FCRA ANY ITEMS THAT HAVE BEEN FOUND TO BE IN ERROR OR REMOVED MUST SHARE THEIR FINDING WITH THE OTHER THREE MAJOR BUREAUS ARE REMOVE ACCORDINGLY. THEY REFUSE TO FOLLOW THEIR OWN GUIDELINES IN PLACE.
Product: Debt collection

Around XXXX or XXXX I was first contacted by phone by Phoenix Financial Services, LLC for a debt related to XXXX XXXX XXXX ambulance services for a date of service of XX/XX/XXXX. The responsible party for the debt has the same date of birth and same last name as I do. We have the same first name but with different spellings and different middle names, and we live in different cities in the same state. I contacted Phoenix Financial Services by phone and advised them that I was not the responsible party and had no connection to the responsible party. They reviewed their account and confirmed that the information on file did not match my personal identifying information and promised to send me written documentation that I was not responsible. They never did. On XX/XX/XXXX, I received a letter from Phoenix Financial, again trying to collect for the same debt. I also received phone calls about that debt at the same time. Again, I contacted them via phone, confirmed that my name, address, and SSN do not match the responsible party, told them to stop contacting me and that I considered their repeated attempts to collect the debt from me to be harassment, and to send me written documentation that they will cease contacting me as I am not the responsible party. They did not send such documentation. On XX/XX/XXXX, Phoenix Financial sent another collection notice for this same debt to my address, with my name spelled correctly on the address line but clearly different from the name on the account that was also included on the letter. On XX/XX/XXXX or XXXX my husband received a call from Phoenix Financial requesting to talk to me about the debt. They have confirmed repeatedly that I am not the responsible party, and yet they continue to harass me and now my family members over a debt that is very easily proven to not be my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
Product: Credit reporting or other personal consumer reports

I contact Equifax numerous of time to remove fraudulent item on my credit report. Per the FCRA information should be blocked from my account.