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

" I previously disputed the inaccurate and incomplete information on my credit report, yet [ XXXXTransUnion ] failed to correct it, violating the Fair Credit Reporting Act ( FCRA ). To support my dispute, I provided clear evidence, including : - My credit reports, which I have clearly marked to show all discrepancies and inconsistencies. 
- A formal dispute letter, detailing the inaccuracies and the necessary corrections required for compliance. 
- A copy of my government-issued ID, Social Security card and proof of address, ensuring there is no issue with identity verification. 

Despite providing all required documentation, the inaccurate and incomplete reporting remains. Under the FCRA, you are required to ensure that my credit report is accurate and complete. Your failure to correct this information after my previous dispute is a clear violation of the law. 
"
Product: Money transfer, virtual currency, or money service

on the XX/XX/21 I fill and sent a person check # XXXX from chase with the total amount of {$2600.00} which is my rent money directed to the company that rents me my apartment. 

as soon I received my next monthly rent bill, I find out that they never received the check, I call to the bank and they opened an investigation about it.the che was cashed out for someone else and another bank account. 

they closed the case XXXX years ago, for lack of information that's what they said. 

I been calling them since the fraud and they having done nothing to get this issue done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan modification in 2015 which was completed and my payments are now up to date and current, however they are being reported as 120/180 days late by Equifax which is incorrect. I have been 30 day late but not 120 or 180 days late since my modification of my mortgage. This information makes my mortgage history look worse than it actually is and when I tried to correct by sending my bank statements and cancelled checks it still was not updated to reflect correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint due to XXXX XXXX XXXX XXXX, XXXX, Equifax and XXXX failure to refrain from reporting information pertaining to my XXXX XXXX XXXX XXXX account. I demand they immediately delete the late payment verbiage from my consumer reports. I never authorized transactional history nor experiences to be reported. I am in severe financial distress and can not obtain access to capital because of this unauthorized reporting. I have been denied credit on every application I submitted because of these reporting tactics.
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$6800.00} XXXX  XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$30.00}
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : XXXX XXXX  Account Number : XXXX Amount : {$860.00} Date of Account : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$580.00} Date of Account : XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX : {$960.00} Date ot Account : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : {$1600.00} Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong reports on credit report with all credit bureau. Wrong amounts, fraud, shared information without consent.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Creditor : XXXX XXXX XXXX || Account Number : XXXX - Creditor : XXXX || Account Number : XXXX - Creditor : XXXX XXXX || Account Number : XXXX - Creditor : XXXX  || Account Number : XXXX - Creditor : XXXX FIN XXXX || Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Experian. One day a few months ago I was unable to log in. Went through the process of resetting my password. Then they tell me my Social Security number and birthdate do not match. I called four different phone numbers and could not get a human being on the phone. I went online to confirm my identity and they will not let me submit it. If they have this information about me wrong what else is wrong on my credit report. I have done everything within my power to resolve the situation with absolutely no help from experian.
Product: Credit card or prepaid card

Billing dispute timely filed for {$110.00}, date XX/XX/XXXX, merchant XXXX 's. On XX/XX/XXXX a letter was produced on Bloomingdale 's letterhead requesting additional information for a dispute filed over 60 days ago. Significant proof in the way of an email from the merchant claiming that the merchant " would like my address so that they can recover from our failure '' ( copy attached to this complaint ). Merchant was provided my address on XX/XX/XXXX, merchant never responded. I have a valid dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX along with Experian and XXXX are all in on the same corrupt activity. While the recent government shutdown occurred they were not allowing our yearly free credit report. You could n't even pay to see your scores. They were breaking every law in the book while the FTC was down. As soon as FTC opens back up, they all of sudden are starting to get back into compliance. They are reporting false and negative information, as well as inaccurate account balances, high balances, ect ... Then, they try to get you to pay to try and dispute inaccurate information, that should n't have been there in the first place. These guy need shut down and run out of town for their continued documented activities.
Product: Debt collection

Rubin & Rothman , LLC are in violation of my consumers right to privacy in the FCRA, USC 1681a ( 4 ). As a natural person I ( XXXX XXXX ) never gave clearance or consent for Rubin & Rothman , LLC to have my information. Rubin & Rothman are in violation of the FCDPA, USC 1692e ( 9 ) and USC 1692e ( 13 ) that clearly states there is no attorneys in commerce USC 1692i ( b ) and Rubin & Rothman are using deceptive forms USC 1692j ( b ) which is a violation and using these forms to coerce payment, which is another violation USC 1692d ( 4 ). Rubin & Rothman , LLC are in multiple violations in my affidavit of truth.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding my credit report. Equifax consistently responds within 24 hrs. stating that the account is accurate without providing evidence of a proper and thorough investigation of dispute. this practice violates the fair credit reporting act { FCRA } 15 U.S.C. 1681i, that mandates responsible investigations of disputes. Equifax actions may also violate financial protection act 12 u.s.c 5536 [ a1 ] -b as highlighted in the CFPB 's recent administrative proceeding file # XXXX against them for the same practice I ask that CFPB ensures Equifax complies with federal law with the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AS I REVIEWING MY CREDIT REPORT. I NOTICED MULTIPLE ACCOUNS THAT DON'T BELONG TO ME. MY IDENTITY WAS STOLEN IN THE PAST.
Product: Mortgage

Civic Financial and XXXX XXXX XXXX have a ) incorrectly posted and maintained my mortgage history file and reported late payments, when each and every payment was timely made in the month when due, and b ) then submitted a false payoff demand with erroneous fees and charges, causing the collapse and forfeiture of the conventional refinance which was being closed to pay off the high interest rate Civic loan. 

The complete chronology and all support documents are available which verify the timely payment, and the fraudulent accounting ledger and payoff demands from Civic Financial and its subsidiary XXXX XXXX XXXX. 

My efforts to rid myself of the plague of Civic Financial and their servicing entity XXXX XXXX were subverted by Civic and XXXX, as their improper accounting and misrepresentation of my payment history again resurfaced, when XXXX submitted their erroneous payoff demand to XXXX XXXX XX/XX/2018, adding charges for monthly payments that had long before been tendered and received by them, plus adding late fees and other extraneous charges, driving their loan payoff demand up from it's true amount of {$270000.00}, by no less than {$14000.00}, to an amount of {$280000.00}. This then caused failure of the substitute " hard money '' loan, as the payoff demand exceeded the total funds available of the new {$280000.00} replacement loan. 

As a result of Civic/XXXX  false mortgage history report, I was financially harmed in three manners : by the loss of the far lower mortgage interest rate : 5.375 % instead of the 9.5 % that Civic was charging  ; and the magnified effect of this interest rate differential over the 30-year life of the new XXXX   loan, the costs of the appraisal, and the impairing of my credit report, causing higher interest rates on all other forms of credit. 

DAMAGES : Civic/XXXX XXXX false report of late payments was the direct, sole and proximate cause for the termination of the closing of the approved 30 year fixed rate conventional loan, with interest at the rate of 5.375 %. The interest rate differential over the life of that loan, versus the high interest rate charged by Defendants is both substantial and readily quantifiable : - Civic Financial Services Note Rate : 9.500 %. 
- Approved replacement Note Rate : 5.375 % - Loss of New Loan : {$270000.00} @ differential of [ 9.500 5.375 ] 4.125 % : - 30 year loan forfeit as a result of Defendants ' behaviors : {$270000.00} x 30 years x 4.125 % = {$330000.00} - Extension Fee I paid to Civic : {$2800.00} - Appraisal Fee Paid for New XXXX loan : {$1100.00} - Defamation of Credit Character : Impact reasonably projected to extend for 36 months : Cost of Credit increased by 6.0 % Average credit balances : {$20000.00} $ XXXX@ 6.0 % per annum ; {$1200.00} per annum ; Over 3 year impact period : {$3600.00} - Summation of Damages : Loss of New Loan : 30 years x 4.125 % = {$330000.00} Extension Fee : {$2800.00} Appraisal Fee Paid : {$1100.00} Credit Impairment : {$3600.00} TOTAL FINANCIAL HARM : {$340000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries on my credit report due to XXXX XXXX. An injunction was filed on her in XXXX XXXX due to stalking, feeling unsafe, and identity theft. The only inquiries that are accurate are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. All other inquiries are fraudulent and have not been removed after several attempts.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX XXXX I created an account using XXXX XXXX. 

I have tried contacting support via email and via phone and i get no response or any resolutions. I would like to have my account verified so that I can purchase bitcoin. 

XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response XX/XX/XXXX at XXXX XXXX Submitted support ticket and got no response Welcome back! We are in the process of verifying your identity. Thank you for your patience.XX/XX/XXXX at XXXX XXXX - No response again. 

Today XX/XX/XXXX Welcome back! We are in the process of verifying your identity. Thank you for your patience.an hour ago - still no response or any progress in verifying my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per my most recent credit report ( XX/XX/XXXX ) shows a charge of for a company XXXX XXXX XXXX this company has continuously been reporting incomplete, inaccurate, and unverified information on my credit report. it also shows that this company have sold my info to numerous XXXX parties. I have attempted to dispute this charge in XXXX XXXX and XXXX and no action has been taken.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX. XXXX XXXX XX/XX/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 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Product: Debt collection

I was not notified of an attempt to collect a debt for an old medical bill. Some called Central Portfolio Control appeared on my Credit report yesterday. I was never received any information about this debt and as a result I was not able to dispute it. I feel like this is more than likely an extremely old medical bill. I would like the opportunity to dispute this old medical debt and have it permanently removed from my credit report. The collection agency involved is : Central Portfolio Control XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Capital one changed my purchases to cash advances over {$2000.00} when my cash advance limit is only {$400.00}. 00. I contacted them about errors and fees and interest incorrectly applied. They refused to correct the issue. They wouldn't let me pay my cash advance actually taken out {$400.00}. They said the entire credit limit was listed as cash advance and charged accordingly on statements, fees charges including. They denied consolidation of all cards accounts to get one bill, one interest rate. Now they have brought a suit against me to garnish my XXXX and accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account continues to report inaccurately as delinquent on my credit report. I have contacted the company on various occasions in XXXX, XXXX and XXXX to correct. However to date this matter has not been resolved. I requested proof of past due status as reported XXXX - XX/XX/XXXX ; and CO from XX/XX/XXXX - XX/XX/XXXX ; however I have not been provided any validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and discovered that a collection agency ( XXXX XXXX XXXX ) was reporting against my report and indicating that I had a debt which in fact is not my debt. I contacted  ARs and they informed me that they are were not reporting information on me to XXXX. They claimed that XXXX is wrongly matching their record to me. So i contacted XXXX and they opened a disputed case for me with ARS. XXXX claimed that they only report what ARS submits to them. ARS says that this type of matching mistake by the reporting bureaus is common. The disputed item was removed but now it has reappeared on my report. I find XXXX unwilling to even discuss the possibility that they are matching to me by mistake. they also are not very cooperative when i have called them by phone.
Product: Credit card or prepaid card

I booked travel with Capital One Venture in XX/XX/2020. In XX/XX/2020 the airline cancelled the flights. I am still fighting for my refund with Capital One. They keep saying 1-2 billing cycles. It was cancelled in XX/XX/2020 by the airline. The airline has refunded Capital One, Venture but Capital One continues to hold my money/refund. I have spent in excess of 6 hours on the telephone waiting, and speaking with people who assure me the refund will be process immediately.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that I for sure without question paid on time. The consumer Report agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following date. XX/XX/year>. Im now requesting that you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

My funds at my Bank account was taken out without my permission. 
A signature was forged. It was not my own. I never got a letter or a email. I never agreed on that withdrawal at th time. 
This was on XX/XX/2015. For the sums of {$4300.00}. Dlb the amount that is owed. 

I called the dept collection agency, I had to agree to pay {$2100.00}. So that they can release the rest of my money back to my bank account. Seem to be the only way. This was yesterday Now my conditional money that was to be released, has not been obseved. The bank or the dept agency does not know where its at. 

Yesterday i was told that by the dept agency that they needed a signature fax over in order to release the rest of my money. Today the money isnt there. The bank dont have it nor the dept collector.