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.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Addresses : XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX 'S XX/XX/XXXX XXXX SC XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiry : XXXX XX/XX/XXXX Collections : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The loan Depot pre-approved and also submitted a letter of commitment to the buyers of my home to give them the home loan. I went through my process found myself another home moved all of my belongings out of my house and into a storage facility to which I am paying {$200.00} a month on. We were due to close this past Friday. I was contacted on the day of closing that they would not fulfill their agreement because they discovered that the buyers had a credit card bill that they missed in there investigation of their finances. I tried contacting them and discussing the situation with them to which they were very rude and basically said I'm sorry for you and hung up on me. This has left the buyers of my home completely distraught because of their lack of professionalism and I myself and living at my son 's house, paying for storage for my belongings and I will probably lose the house that I was going to purchase. Not only that this is affect the people I was purchasing from. I truly don't understand how they can possibly get an A+ rating for treating people this way. It was their fault they missed it yet the buyers of my home myself and the sellers of the home I was hoping to get or all and despair wondering what to do. The buyers of my home are so upset they don't even want to pursue another loan through someone else they just want to be done with it so now I have to put it back on the market spend more money on storage living with my son all because of this. I have absolutely every plan to take legal action. I will not just lay down and be treated like this. I would like to see this XXXX XXXX fix their mistake bye XXXX up the {$4000.00} in credit that their client had that they missed and giving the client the loan for their home so that we could all move on. They can afford it it was their mistake and we should not have to deal with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing FRAUDULENT CREDIT INQUIRIES ON MY XXXX CREDIT REPORT XXXX has been telling me that I have to wait for the furnishers of the credit inquiries for to respond back to the request they sent. I have submitted a NOTARIZED POLICE DEPARTMENT, NOTARIZED FEDERAL TRADE COMISSION IDENTITY THEFT AFFADAVIT, NOTARIZED COPY OF SSN AND ID. 

I have contacted the furnishers to notify that I am a victim of Identity Theft but XXXX is still listing the FRAUDULENT CREDIT INQUIRIES until they said the company sends a letter confirming deletion yet they have not! THIS IS UNETHICAL AND UNFAIR THAT I HAVE TO WAIT AS A VICTIM FOR THE FURNISHERS TO DECIDE TO RESPOND BACK FOR DELETION! 

FRAUDULENT INQUIRIES 1. XXXX XX/XX/2021 2. XXXX XXXXXXXX XXXX XXXX XX/XX/2021 3. TD Auto Finance XX/XX/2021 4. XXXX XXXXl XX/XX/2021 5. XXXX XXXX XXXX XX/XX/2021 2021
Product: Debt collection

I'm not sure who to bring this to again! I continue to dispute a phone company bill XXXX that doesn't belong to me. In XXXX, i pulled my credit and noticed that XXXX report that i owed them {$870.00} and they had sold the account to XXXX XXXX XXXX company. I disputed directly to the bureaus and that third party company. Now i just pulled my credit and noticed that there is the same collection from XXXX under different company names opened XX/XX/2020 under Source Receivables Services SRM. I can tell you by monitoring my credit, the open dates are wrong. I been researching them online and noticed that there are so many complaints against this company online between XXXX, CFPB, etc. Also i read this " Source Receivables Management or SRM is a third-party collection agency based in North Carolina. SRM has received complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including attempting to collect debts not owed and using false or misleading language in an effort to collect a debt. ". This company continues to ruin my credit and placing wrong information on my credit report using different companies under their umbrella. It's causing this account to illegally re-aged and dropping my credit score. 

AGAIN, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters of evidence as per the companies request to support fraudulent reporting of identity theft accounts, inaccurate personal data information all if which have adversely affecting my life and credit score. Additionally, ploys of alleging that someone else other than me is involved, is outrageous and an attempt to slow down the investigation process which is impacting my life.

I have made NUMEROUS good will attempts to mitigate these claims with the credit reporting agency as well as each individual company. These disputes have been removed from several other credit reporting agencies, however, this agency is still reporting these accounts as of XX/XX/2020.
Product: Credit reporting or other personal consumer reports

Credit Bureaus have failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against them, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian, XXXX XXXX XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as their inactions violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 

Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report.

- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer.

- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers.

- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Student loan

My account was put into forbearance and I have been unable to get an explanation from MOHELA. In addition, I submitted a request through their internal messaging system on XX/XX/23 asking when my PSLF would be completed as I am at 120 payments. Its now XXXX and Ive not had a response and my account is on forebearance.
Product: Money transfer, virtual currency, or money service

Some got access to my cash app account and has been using it I was previously using it to deposit my checks from my previous employer and I have had no way of contacting cashapp so nobody has helped me
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX that starts with XXXX due to being more than 7yrs old, XXXX XXXX XXXX XXXX that starts with XXXX due to not my loan, and XXXX XXXX XXXX  that starts with XXXX due to not original creditor and creditor closed account. Experian denied to follow up with the investigation. I recently notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation. Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a house. Experian violates my rights as a consumer, as well as federal laws.
Product: Bank account or service

Used BB & T Investment services. Invested {$30000.00} into XXXX indexed brokered CD product starting XX/XX/2010. At maturity BB & T claimed that there was no return whatsoever, despite a colleague checking on the product annually to see how it was doing. Would like bank investigated in regards to this.
Product: Credit reporting or other personal consumer reports

XXXX ( formerly, XXXX XXXX XXXX ) had transferred all of my ( XXXX ) federal student loans in XX/XX/2023 and received payoff confirmation. Account balance is XXXX and accounts closed ; however, XXXX still has NOT reported this change to credit bureaus as of XX/XX/2023. Since then, I have paid off a number of loans with the new servicer XXXX in XX/XX/2023. 

I've made several attempts to reach XXXX over the phone, email, and portal to resolve their inaccurate credit report. After waiting a reasonable amount of time without a response, I filed disputes with credit bureaus ( attached payoff confirmations, statements, and screenshots ). 

XXXX continues to deny the loan balance change and has certified to Experian ( and other credit bureaus ) that the information is accurate. This results in a false loan balance from XXXX, who has not updated the credit report since XX/XX/2023.
Product: Debt collection

XXXX XXXX XXXX XXXXXX/XX/XXXX {$690.00} Disputed multiple times in the past and recently on XX/XX/XXXX. I have even went to the apartments where the collection is from and I was told that I was never in their system as a tenant.
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/23. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/23. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement.

It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX account number XXXX Date : XX/XX/year>, XXXX account number XXXX Date : XX/XX/year>
Product: Credit card

On XX/XX/year> I called USAA customer service to see if my credit card had any 0 % interest offers because I wanted to do a balance transfer. The customer service rep said there weren't any active offers available.

I then went onto USAA.com and applied for the visa signature credit card which offers " Get a 0 % intro XXXX for 15 months on purchases. After this time, the variable regular APR of 17.15 % to 31.15 % will apply to these introductory balances. '' I was approved. 
I signed the paperwork under the understanding that this is what I would be getting since this is what was advertised. I then did a balance transfer and it went through on XX/XX/XXXX and I am now being charged interest on the balance I transferred. 

On XX/XX/XXXX, I called USAA and talked to XXXX. I asked why I was being charged interest on a 0 % interest offer and they told me that the card I signed up for didn't offer 0 % interest. And the only 0 % interest offered on the card I was approved for was on purchases not balance transfers. She said that my first USAA credit card was the one that had 0 % interest on balance transfers which just happened to be conveniently offered on the SAME DAY that my balance transfer posted on my second USAA card. I asked XXXX if I could transfer the amount of my second USAA credit card to the first since that offered the 0 % interest and she said I couldn't. 

I said that that wasn't the offer that I was posted online and she passed me to XXXX in the customer relations department. After being on hold for over an hour, XXXX told me the same thing that XXXX had said. 

After looking back through the fine print of the offer, I see that they changed the offer without notifying me of the change being different than what was offered on their website. 

Because of this, I've now been charged a balance transfer fee of 5 % and am also paying interest. It's very very deceptive. After researching further, I see that I'm not the only one this has happened to per consumeraffairs.com.
Product: Credit reporting or other personal consumer reports

Despite our previous attempts, I regret to inform you that these issues still persist on my record. The presence of late open accounts and late closed not only adversely affects my credit score but also undermines my financial standing and access to credit opportunities. I kindly request that you prioritize the investigation and resolution of these issues, ensuring that all necessary steps are taken to correct the late open and remove the late closed accounts in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. The following late open accounts should be corrected and the late closed should be removed as soon as possible : XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$160000.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX XXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW.
Product: Credit reporting

Received TRANSUNION credit file # XXXX dated XXXX/XXXX/XXXX and noticed that ( 1 ) XXXX has been reinserted ; ( 2 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account ; ( 3 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 4 ) XXXX continues to show " Bankruptcy Dismissed '' and continues to be reported as an adverse account : ( 5 ) XXXX Bank was deleted and now reinserted, also reported in remarks as " Bankruptcy Dismissed ''. As stated in attached letter, these accounts were never incorporated into original bankruptcy file. Bankruptcy ( Public Record ) was deleted from file in XXXX. TRANSUNIONs ' data does not warrant these accounts being reported as adverse accounts.
Product: Credit reporting or other personal consumer reports

I reviewed the closed accounts on my Credit Report and noticed 2 XXXX XXXX accounts that does not belong to me. I have included those accounts in my Identity Theft Report, along with the dates they were opened and that account balances. These accounts are fraudulent.
Product: Credit reporting or other personal consumer reports

After several failed attempts to remove accounts with credit bureaus directly, I am writing to formally request the removal of several accounts from my credit report, as they have been inaccurately reported and are subject to the provisions outlined in the Fair Credit Reporting Act ( 15 USC 1681 ). 
The following accounts should be removed promptly : XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$350.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX - Account # : XXXX Amount : {$12000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX XXXX - Account # : XXXX Amount : {$1400.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$10000.00} Reason for removal : Unauthorized access to personal information under the Fair Credit Reporting Act ( 15 USC 1681 ( b ) ( e ) ). 
XXXX. XXXX XXXX XXXX - Account # : XXXX Amount : {$19000.00} Reason for removal : Account charged off and now recognized as taxable income. A XXXX can be provided upon request. 
According to the Fair Credit Reporting Act, these accounts must be accurately reported and verifiable. Due to unauthorized access and inaccurate reporting, I am requesting their immediate removal from my credit report. 
Enclosed with this letter are copies of relevant documentation supporting my claim, including evidence of unauthorized access and any other required documentation. 
Please investigate this matter promptly and inform me of the actions taken to rectify these inaccuracies. I appreciate your attention to this matter and look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

I have a us bank reliacard  which I recieve my child support on. My card is being declined over and over and i have spent several hours a day between XX/XX/XXXX and now on hold with customer service. Each time after hours of waiting the call is disconnected. I have been unable to log into my online account and after trying several times to get in I gave up. The customer service had sent me several links over a year ago that were supposed to help me set a new password but that was unsuccessful. I have {$210.00} on my card that I can not access and need. 
I also tried calling and going to My local US bank but they told me they cant do anything and to call reliacard customer service.
Product: Debt collection

I noticed this collection on my report. I have no knowledge of what this is and have not done business with this company. I have never heard of this company. This is not my debt. Attempts to resolve have went no where.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 my XXXX my Equifax my XXXX  reporting wrong an inaccurate info and unverified info that's not my. name, address, number, and unverified account information