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

During the months of XX/XX/XXXX and XX/XX/XXXX I submitted multiple disputes to Equifax and the other two major credit beaus to remove fraudulent items that appeared in my report. Equifax did indeed remove and block the following accounts from my credit profile and placed a fraud alert on my profile. 

XX/XX/XXXX Dispute via CFPB ( confirmation # XXXX ) - Removed XXXX XXXX XXXX XXXX Account # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed the following. 
XXXX XXXX  Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX XXXX XXXX XXXXi Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct # XXXX XX/XX/XXXX Dispute ( Confirmation # XXXX ) - Removed XXXX XXXX Account # XXXX I called on XX/XX/XXXX and spoke with a representative requesting a digital copy of the dispute results listed above in order to take care of some important business proving the fraudulent accounts were once there and removed. The representative informed me of his inability to send an electronic copy and advised he could send a hard copy through the mail. I agreed to receive the results via postal mail after being advised it would be processed the following day ( XX/XX/XXXX ). After speaking to two other representatives the next day ( XX/XX/XXXX ) along with a floor supervisor no one could confirm to that the letters were processed and on its way. Furthermore the supervisor informed me that the option to send the dispute results would be denied and there was nothing he could do for me. I previously asked if I can go to the office and pick up the documents and was informed I could during office hours. The supervisor was unable to confirm that I would be able to get the documents I requested at the walkup window in XXXX. Im a Florida resident and was willing to travel to XXXX, Ga in order to get the dispute results the clearly have on file. Every representative I spoke with was able to view and read the report to me. All I requested was a copy of that very report. 

I need written confirmation from Equifax that the above accounts were reporting on my profile and removed. I prefer this to be done electronically and quickly by XX/XX/XXXX. I can log in to myequifax account right now and download XXXX dispute results but they aren't the ones I need. 

I expect a speedy response. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting transactions to my credit report without my consent. I have not authorized this in anyway. I have reached out to each company and transactions have yet to be removed. They are in violation of the law. Under 15 USC 1681 a ( 2 ) ( A ) ( i ) late payments are transactions and transactions are excluded from a consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 42 hard inquiries most of them werent authorized but besides the point the number of hard inquiries is not reporting ACCURATELY across all 3 bureaus. This is stopping me from a fair/accurate credit report.
Product: Debt collection

I need this account to be fully verified with all original documents from the original creditor.
Product: Credit reporting or other personal consumer reports

These are Fraud Inquires and I never Authorized any of these Inquires. And the companies and Equifax don't care or refuse to remove them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit 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 XXXX : Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXX : Account XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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: Debt collection

On XX/XX/XXXX, I had rented a 1 bdrm apartment for $ XXXX/mos for a 6 month term at XXXX XXXX in XXXX XXXX, Sc. This collections balance had NOT shown up on my credit until recently. They had initially reported that I owed {$2100.00}. 
I then reached out to their parent company, XXXX XXXX, and spoke via email with XXXX XXXX regarding this erroneous charge as I only had a 6mos lease there. I had then sent XXXX some backup documestation, including my written notice to vacate, dated on XX/XX/XXXX. XXXX had then stated that this community required a 60 day notice, and I had only given a 48 day notice. She had also indicated ( via email ) that she was " unsure '' as to what this balance was from as nothing was documented. I agreed to pay her the prorated amount between the 48 day to 60 day notice, but I REFUSE to pay $ 2k+ as 1 ) I DID NOT owe it 2 ) Why was I never notified of this for 3 years? 3 ) I have EVERYTHING documented and never once did the former leasing agent reach out to me for this supposed " past due amount ''. With that being said, XXXX had decreased the amount due on my credit report {$1000.00}, which proves my point that that $ 2k+ balance was never owed & why would they randomly knock off half of the amount due? 

As I told XXXX, I will pay the prorated amount owed between the 48/60 day notice on the apartment, because that is owed per the contract. However, I will NOT pay this $ 1200+/- balance they are showing that is due because it is n't. And I have plenty of backup documentation to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to fix an error that is reporting to my XXXX and Transunion report, but this request has fallen on deaf ears. On XX/XX/XXXX, I sent dispute letters to the above credit reporting agencies informing them that the account XXXX XXXX XXXX is being reported incorrectly. They both are reporting inconsistent information when all data furnished should be the same. How does this meet FCRA requirements? Also, I had an agreement with this company to have my payments deferred in XXXX due to covid so there were no late payments being reported. I have tried to remedy this issue for almost 4 months so I am demanding that this account is updated to paid as agreed, no late payments within 15 days. I will attach the letters that were sent which are dated and time stamped. I will also attach the credit report showing the inconsistent information.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XX/XX/year>. The XXXX  report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with XXXX XXXX XXXX Section. XXXX that unambiguously obliges a described of the modus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been trying to get the credit reporting agencies ( XXXX, XXXX, and Transunion ) to do reinvestigations for some accounts on my credit report but they keep coming back as verified as accurate and i am getting tired of it. 

These companies have violated my rights as a consumer and failed to do a proper investigation on my consumer report disputes. They claimed these items have been verified but there are obvious inaccuracies. This tells me that they have violated 15 usc 1681i ( 5 ) ( a ) The following items have not been properly investigated XXXX XXXX XXXX On Transunion this account has been reaged illegally every month and this is falsely manipulating the statute of limitations. And overall this collection agency has violated 15 usc 1692e ( 8 ) for false and misleading representations. They do not have the correct open date which also jeopardizes the statute of limitations. 

XXXX XXXX XXXX This account has multiple inaccuracies that have not been properly investigated. 

1. Transunion has not marked this account as disputed and this is a violation of section 623 of the fair credit reporting act 2. XXXX is reporting a monthly payment of {$65.00} a month when transunion and XXXX  are reporting no monthly payment 3. XXXX has reported the payment status as 120 days late when XXXX and Transunion are reporting charged off. 
4. XXXX is reporting this account type as a collection when transunion and XXXX  are reporting this as a line of credit 5. There are 3 different dates of last activity. Transunion is reporting XX/XX/XXXX. XXXX is reporting XX/XX/XXXX ( Reaged ) and XXXX is reporting XX/XX/XXXX 6. The date of last payment is being reported wrong. Transunion and XXXX are both reporting XX/XX/XXXX while XXXX is reporting XX/XX/XXXX. This also falsely manipulates the statute of limitations 7. XXXX reports 120 days late every month which is a lie XXXX XXXX XXXX XXXX company has failed to validate the debt 15 usc 1692g ( Transunion and XXXX ) XXXX XXXX. - The date of last activity does not match. Transunion reports XX/XX/XXXX and XXXX is reporting XX/XX/XXXX XXXX  XXXX XXXX has reaged the account because they are reporting the date of last activity as XX/XX/XXXX and transunion reports XX/XX/XXXX XXXX XXXX XXXX 1 . Transunion is reporting a monthly payment of {$330.00} when XXXX is reporting {$0.00}. 
2. Transunion and XXXX have failed to mark this account as disputed which is a violation of section 623 of the fair credit reporting act All inquires in my attached letters are in violation of 15 usc 1681b permissible purposes
Product: Credit card or prepaid card

On XX/XX/2016 i spoke to Discover card about the fraudulent charges on my credit card the charges were taken off, but later on they were put back on my account.

1. On the phone the company representative told me that my phone number on the card account was changed. I never changed my phone number and up to this day I still have the same phone number.

2. Discover must have recordings of whoever spoke to them to change that number and allow for payments to go through. because when you call discover it says all you conversations will be recorded.

3. I was told to send an affidavit, and i did, several times, but Discover credit card told me they didn't receive it. I sent it three times via mail and also sent it via fax. I called the company and i was told that they have received it.

Discover credit card company does not want to deal with my case, they rely on their facts and do not want to consider that facts and the proof that I am sending.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Prepaid card

The prepaid card is being actively used I just didn't use it for a few months and it expired last month end. 
I tried using the card this month and it was rejected. I am unable to view my transactions or balance on the card anymore. Last I remember I have over {$100.00} left on the card. 
On contacting the card issuer they said their policy is amounts are forfeited on expiry.
Product: Money transfer, virtual currency, or money service

The crypto account prepaid visa I transfered XXXX to it was told I could use it anywhere. I have been blocked from the card working also XXXX on the visa prepaid card through app I was told could not get money back in crypto account where I can't buy anything the account waisted full business days I have tried to stop my crypto from the account lost over XXXX on this company allowing all crypto to run out of my account stealing the funds while I have been waiting for them to stop my account now they say NO REFUND NO FUNDS NOTHING BUT TAKE ABOUT XXXX DEPOSTIED AND NOW THEY PLAY WITH MY MONEY AND I ASKED TO SHUT IT DOWN STOP ALL MONEY CRYPTO AND ACTIVELY I HAVE NO FUNDS AT ALL IN CRYPTO AND THEY JUST KEPT MY MONEY.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XX/XX/year> required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX A SOC SEC # XXXX ADDRESS XXXX XXXX CT, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 A SOC SEC # XXXX ADDRESS XXXX XXXX XXXX   XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up an account using my SSN to get bank accounts over the years and it has affected my banking situation and reporting. The following banks I have never opened an account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Now XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Now XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been disputing 3 fraudulent inquiries on my Equifax credit report since XX/XX/2021 and one of the 3 inquiries remain ; the one from XXXX XXXX. I received a confirmation letter from Equifax stating that the 3 inquiries were deleted, however, one remains and Equifax refuses to remove it! 

Every time I call Equifax regarding this inquiry, the representatives always say, " well, it's coming off in a few months, in XXXX ( 2021. ) '' This inquiry was never supposed to be on my credit report! This inquiry needs to be removed IMMEDIATELY! 
I submitted another CFPB complaint against Equifax, who claimed to have mailed me a letter regarding their response ( to my complaint. ) I never received any correspondence from Equifax regarding this issue that's violating my consumer rights.
Product: Credit reporting or other personal consumer reports

Pertaining to debt With XXXX XXXXXXXX XXXX ACCT NUMBER XXXX The company sent the original contract and verified the information that I gave them that the original company that sold the debt to the collectors never had the DEBT, nor the authorization to assume the debt. The contract was did with a finance company XXXX not the school. And there was no debt with the finance company.
Product: Credit reporting or other personal consumer reports

This is my second complaint with CFPB for Edfinancial for reporting the incorrect status on a closed unsubsidized student loan. There is ABSOLUTELY NO WAY an account can be current to 90 days late in a month with no prior late payments. The student loan was opened on XX/XX/XXXX, and closed in XX/XX/XXXX by consolidation. Edfinancial continues to report 90 days late incorrect payment history, payment status, current payment status, and worst payment status for this closed account. The account should show all on-time payments and never late. The account number is XXXX. I have also attached screenshots of XXXX and XXXX credit bureaus where the inaccuracies are being reported.
Product: Checking or savings account

Wells Fargo sent me a check for {$150.00} for overdraft fees charged, they then deducted the {$150.00} from my account. And the check is not able to be cashed cause wells fargo said it was cashed already, but they took it out of my account like it never existed, when I called so they could reissue the check they stated it was already cashed. They just robbed my {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed to XXXX, XXXX, Experian to remove inquiries on credit report that were not authorize. I have mailed letters to advise and no response back after 30 days. I called and customer service was not willing to help to take care of these negative inquiries reporting to my credit. I would like to keep my credit good and prevent inquiries that I did not authorize off my report. XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXXXXXX/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 XXXXXXXX XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXXXXXX request that you contact XXXXXXXX XXXX XXXX  because { YOU } do not show address, on your credit report NOR no account number, document enclosed,. I request from XXXX XXXX XXXX  to send myself a copy of date last alleged activity, date last payment account number, balance. As for YOUR credit reporting this should be removed from my credit report for inaccurate, incomplete reporting by YOU. 15 U.S.code 1681i