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 XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX A ) XXXX Balance : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX A ) XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX Collection XXXX XXXX Balance {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX ) XXXX Balance {$930.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance {$0.00} Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  BANK XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian Collection XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$110.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance {$330.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX Balance {$42.00} Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$2400.00} XXXX XXXX XXXX XXXX Balance {$1300.00} XXXX XXXX XXXX XXXX Balance {$110.00} XXXX XXXX XXXX XXXX Balance {$930.00} XXXX XXXX XXXX XXXX Balance : {$670.00} Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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. 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 I 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 or other personal consumer reports

I have sent XXXX XXXX XXXX XXXX lawful debt request affidavits which they have ignored.The dates are XXXX information that was requested was 1.Validation of debt ( the actual accounting ) 2. Verification of the claim against me ( signed invoice ) 3.Copy of the contract binding both parties ( me & XXXX & XXXX XXXX XXXX & XXXX is continuing report inaccurate information without been verified causing financial stress.Criminal acts of XXXX & XXXX XXXX XXXX XXXX breached all its fiduciary duties and is therefore GUILTY of criminal breach of trust by failing in it's good faith requirement XXXXXXXX XXXX XXXX  and others who profited from the ultra vires transaction are all guilty of unjust enrichment and fraud for deceiving the buyer ( me ) and for acting in concert In this joint endeavor to deceive the buyer ( me ) The four essential conditions of a lawful binding contract 1.Full disclosure ( I was not told I was creating the credit with my wet Ink signature ) 2.Equal consideration ( XXXX & XXXX ) brought nothing of value to the table and had nothing to lose ) 3.Lawful terms and conditions ( yours were based on fraud ) 4.The wet Ink signature of both parties ( corporations cant sign because they have no right or mind to contract since they are soulless legal fictions and furthermore no 3rd party can sign a contract on their behalf.More then 30 60 90 days has been giving for XXXX XXXX to rebut the affidavit and send documents neither has happen.
Product: Debt collection

Home Depot account was opened in my name and saying I owe them. I never opened a Recent account with them. I only have one Home Depot card and it is {$0.00} balance. I tried to dispute it with citi bank and they said its my fault I owe them and I told them. To close this account. I called XXXX and filed a dispute. They said I need to file a complaint with you. XX/XX/2023 card was opened and balance {$940.00} is owing.
Product: Debt collection

Sometime back in XX/XX/XXXXorXX/XX/XXXX, I contacted XXXX XXXX XXXX  which is located at XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. I was in need of somebody to provide maintenance to my deceased mother-in-laws lawn. XXXX  proposal was either {$35.00} or {$40.00} per visit to mow the lawn. I do not reside in the area of my mother-in-laws house therefore I didnt not know when it was being maintained and when it was not. A neighbor of my mother-in-law called me to inform me that they did indeed cut the lawn and to ask me how often are they scheduled to cut the lawn to which I said weekly. The neighbor told me that that was to often and to think about it being cut either every two weeks or once a month to which I called XXXX  to request it be cut either every two weeks or once a month. When I placed the call I had no choice but to leave a message on theyre answering machine due to nobody picking up the phone. Mind you this was around the time of the first cut and I did not hear back from XXXX so I thought they had gotten the message and did not cut it as often. I just received a letter in the mail from a collection agency named American Credit Systems Incorporated informing me that I owe {$470.00} for an entire summer worth of lawn maintenance to this property. I feel that XXXX is taking advantage of me and sees this is an opportunity to make money even further and theyre attempt to dismiss me notifying them to begin with.
Product: Credit card

I was approved of a Capital One credit card, and received the card about 1 month ago. When I try to activate it, I was accused of identity theft, and they asked me to send a copy of my license, which I did. They told me they would call me in 1-3 days. Since then it 's been agonizing ordeal for me. I did not get any call from Capital One, thus I called them again, then they asked me to provide a copy of my social security card and a copy of my utility bill. I got my social security card some 40 years ago, and I did not have the card in my possession, thus I had to apply for the replacement card, and got the card, and sent them both, but still no response. I called them multiple times, and their responses were that they would review all the documents I provided, and would call me, in 1-2 days last time I spoke with them, but no still no calls. Literally I spent hours trying to solve this problem, but Capital One is keep on accusing me of fraudulent application and the identity theft. I have the excellent credit history, spanning over 30 years. They also sent a letter to my home address in name of XXXX XXXX, accusing me of identity theft, but the fact is that I lived in my current address ever since it was built over 20 years ago, and there was never a person named XXXX XXXX lived in my house. I can'e believe that such a national company like Capital One would have get such a wrong personal information, and accuse a legitimate customer of identity theft. 

Can you solve this problem for me. 

Thanks. 

Sincerely, XXXX XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my Experian credit report, I noticed 2 accounts in collection with XXXX XXXX XXXX, XXXX, MA. The 2 accounts are duplicates, with the alleged original creditor listed as XXXX XXXX XXXX. XXXX total says {$110.00}, and the other {$110.00}. XXXX XXXX would to insure a person a second time who had an outstanding balance with them, so this is clearly in error. 
Second, I dispute the validity of any debt with them. In XX/XX/XXXX, my XXXX  was diagnosed with an XXXX  that would prevent him rom driving for some time, and I called XXXX XXXX and had him removed from the policy. They explained that he would not be able to return to the policy, and I accepted those terms. I was still billed for his coverage, despite termination. I attempted to resolve this with XXXX XXXX, and instead they set me to collections with XXXX XXXX XXXX, who then reported me twice on my credit report, or the same account.

I believe my son is also being discriminated against as per the Americans With Disabilities Amended Act 2008. 
I have attempted to contact XXXX XXXX XXXX, and I only remain on hold or excess of an hour each time I attempt to call. I have been unable to reach anyone there. 

I have also made NUMEROUS attempts to contact EXPERIAN and there is no way to reach a live representative.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 







accounts are not complete and accurate. 



And one more thing according to 15 USC 1681s-2 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. 



US DEP ED ACCOUNT # XXXX OPEN DATE IS INACCURATE DATE OF LAS ACTIVITY IS INACCURATE LAST PAYMENT DATE IS INACCURATE I sent a letter asking them to make sure everything is complete and accurate. 



if you check my attachments everything is not complete and accurate And according to 15 USC 1681i 5 they are suppose to do this ( 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 



And according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 



But they did not do that as well either. 



and according to 15 USC 1681s-2 they are suppose to 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.I am requesting for this account to be DELETED my credit report.

Please see this attachment below Delete this account immediately Dues violation of 15 USC 1681s-2 ( a ) & ( b ), and 15 USC 1681 e ( b )
Product: Credit card

It has been over 120 days and I have yet to hear back from Elan Financial regarding this fraudulent account opened in my name. I feel taken advantage of as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Account Number : XXXX
Product: Checking or savings account

I am unable to transfer funds and/or make ACH deposits when using XXXX  or XXXX because PNC Bank is forbidding access to those companies.
Product: Credit reporting or other personal consumer reports

I took a look at my credit report and seen a lot of inaccurate information, I'm intitled to a 100 % accurate credit report! I personally sent my letters over 60 days ago to XXXX, XXXX, and Experian. They only responded with stall letters and did not do any investigation on the accounts on my credit profile which I requested. Credit bureaus have 30-45 days to respond. I need all the inaccurate and unverified removed from my credit report immediately
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a victim of a data breach that has resulted in identity theft and the unauthorized opening of accounts in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$21000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$31000.00}
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Debt collection

On Tuesday XX/XX/2024 at XXXX I received a call from a debt collector stating I owed money on my energy bill. I explained that I did not have any energy bills under my name since I have never had an energy bill or utilities bill. I've worked at a XXXX XXXX for the last decade where all my jobs required me to live-on campus. The XXXX XXXX were free due to the job needs, they also were in XXXX XXXX XXXX XXXX. This energy bill is with XXXX XXXX located in XXXX. The address for the location that my name was fraudulently used is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello I am the owner of a XXXX  XXXX  that uses a Bank of America Joint Personal Account with my wife to do business with. Last year during the pandemic I had received a XXXX from the SBA for XXXX. This year my business qualified for the Supplemental Advance and the Targeted Advance totaling XXXX. After receiving these funds XX/XX/21 we began to buy the things we needed. Now we are based in XXXX but we were in the process of moving to XXXX so at that time all the transactions were taking place in XXXX. This was a red flag for Bank of America so they froze our account. After verifying our identity and calling several times per transaction to get our cards unlocked several times, On XX/XX/21 Bank of America proceeded to still closed the account even though we verified our identity and had our account unlocked. After all of this Bank of America issued us a letter stating " At this time, any remaining balance won't be returned to you. As permitted under our Deposit agreement, we've frozen the funds while we review the transactions and validate the source of the funds. '' it has been over 60 days and they have not issue a cashiers check to us for the remaining XXXX. As I said I am a Sole Proprietor and my business uses my social as its EIN so my identity shouldn't have been a problem, I was on the Joint account, I had a card, my previous deposit was approved and it is a federal grant that has processed 2 times before, I don't understand why they have not released my funds to me. Please Help I don't know what to do at this point, Bank of America refuses to give me any solutions or information.
Product: Debt collection

I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/year>, AND NOTICED SOME THINGS ARE INCOMPLETEAND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTIG AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE THE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. THESE ACCOUNTS, XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, ARE NOT COMPLETE AND ACCURATE. AND ONE MORE THING ACCORDING TO 15 U.S.C. 1681S-2. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PEROSN KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATIONS INACCURATE
Product: Credit reporting or other personal consumer reports

My consumer report lists accounts linked to identity theft, which I never authorized in writing or with a signature. Following my recent communication, I formally demand the immediate blocking and removal of these accounts. Their presence has caused significant distress and misrepresents my credit history. If not properly addressed, I will take legal action to protect my rights and seek resolution. These fraudulent entries have prevented me from achieving key financial goals, including home ownership and meeting family needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage company is inaccurately reporting late payments during forbearance/modification process My mortgage was sold to a different company while I was on a covid forbearance plan. The new company immediately reported the loan as over 180 days past due. They admitted it was a mistake and said they did it to a bunch of clients by accident. However, its not been fixed. In fact it was reported a second time and has taken my score from an XXXX to a XXXX. I was planning to buy my daughter a car for her bday in 2 weeks and now I cant. I have disputed it but it is still processing. 
Timeline : First notification of negative reporting received XXXX XXXX. They told me it would be fixed and that it had happened to a bunch of their customers. 
XX/XX/XXXX I called back because it was still not fixed. They said it had been fixed on the XXXX ( the day before ) but then said they send the batches of corrections on fridays, so it would be updated by XX/XX/XXXX. 
On XX/XX/XXXX, I received a notification that it was reported late again and my score dropped even lower and it still remains showing late on all 3 credit reports. 
I called again today, XX/XX/XXXX, and spoke to XXXX XXXX, he again said they fixed it on the XXXX but didnt know why it was reported late still. He tried to help but didnt really have any answers. He escalated the issue and requested an email be sent to me stating it was a reporting error but that the email could take 30 days to receive. 
They have destroyed my credit so badly that I cant do anything. I had excellent credit and no late payments before. It has also done the same thing to my husbands credit since this is a joint mortgage account. 
I asked this question on XXXX and an attorney said it would be a good class action lawsuit. I just want my credit fixed they have literally caused me to put a hold on all my financial plans. The company name is Community Loan Servicing, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a account on my credit report by the name of XXXX XXXX that I do not have any knowledge of.This is not my account.I have disputed this alleged account several times.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  XXXX Balance : {$2200.00}