23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

No explanation for closed accounts showing as current, but my credit report states that there are insufficient accounts being paid on time. There are too many metrics by which credit worthiness is measured, and none are truly transparent. I have one derogatory report on my credit report that is part of a cosigned loan that was defaulted on by the other party and is now currently being paid to a third party. I have no other loans or financial agreements that have not been paid and don't see a report of them on my credit report. All three show 25 accounts with 24 being current and 1 being derogatory. 8 currently open and current, 16 currently closed and current, and 1 being reported as derogatory. A lot of the closed accounts where purely do to new cards being issued because of fraudulent activity or data compromisation and nothing else.
Product: Debt collection

XX/XX/scrub>XXXX XXXX I received a letter stating I had a debt of {$610.00} that I knew nothing about dating back more then XXXX ago. My credit report states that the account was opened XXXX. I have no information on this account nor have I received any products from this account/company. 
I replied with a dispute letter that was notarized and I also called to let them know that I was disputing for reasons such as not recognizing debt, not authorizing the debt, etc.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Trying to pay the bank with and was refused payment because of charge off. Could not explain why it was a charger try to re-establish relationships with the company. To find out further that my account was still in charge off static. And to find out they view me as a deceased individual.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE COMPANY BELOW HAS VIOLATED MY RIGHTS 15USC 1681s, 15USC 1681a and 12cfr 1006.34 XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX I ALSO HAVE SEVERAL INQUIRES BELOW THAT ARE IN VIOLATIONS AS WELL AND SOME ARE UNAUTHORIZE XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an online payment of {$80.00} on XX/XX/XXXX to my line of credit with XXXX XXXX XXXX ending XXXX using my checking account at XXXX XXXX XXXX ending XXXX, the payment was not applied correctly and I have been calling many times in order XXXX XXXX XXXX make the correction and not succeed. I have been paying same way since XX/XX/XXXX with not problem till now, XXXX  XXXX XXXX is reporting negative information to credit bureaus hurting my credit scores. XXXX  XXXX XXXX did withdraw the money from my checking account on XX/XX/XXXX and they are not giving me any solutions.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I dont believe the information to be accurate. 
1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2 DISCOVER BANK # XXXX Please verify this account. 
3 XXXXXXXX XXXX  XXXX XXXX # XXXX Please verify this account. 
4 XXXXXXXX XXXX XXXXXXXX XXXX # XXXX Please verify this account. 
5 XXXX XXXX XXXX XXXX XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
6 XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the Fair Credit Reporting Act unverifiable accounts must be removed. Please send an updated copy of my credit report to the address listed above after the conclusion of your investigation. 
XXXX XXXX
Product: Credit card or prepaid card

I have fallen behind on my payment on my American Express business credit card due to a financial hardship, the 30 % interest rate and slow business sales. With the increased interest rate, the payments rose to $ XXXX/month which caused an additional hardship. The only option I was given for a lower interest rate was to pay the total past due amount and then I would be considered for a hardship program. This was not possible, so I had to let the account go delinquent since I could no longer afford the payments. 

After not being able to get in contact with me, American Express started calling my husband. On XX/XX/2019, XXXX XXXX ( XXXX ), calling from phone number XXXX contacted my husband on his cell phone and left a message addressed to both of us. My husband is not an account holder on my business credit card and American Express is not authorized to speak with him regarding my account. The manager above shared personal account information with my husband, including the amount due. He also threatened my husband by saying they have his social security number. 

Today, my privacy was not protected by this American Express manager. These tactics are unacceptable and so I'm reporting this incident to the CFPB. During the past 8 months, I have experienced a death in my family which caused sales in my small business to decline. I am also in the process of relocating to another state, which is causing another hardship. The tactics used by this manager in contacting my husband and threatening that they have his social security number has added more stress on this situation. 

American Express did not keep my personal information secure and confidential. Instead, they used it as a collections tactic and shared it with an unauthorized person.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax requesting a correction on my credit report. I mailed it via certified mail on XX/XX/XXXX and was received on XX/XX/XXXX. I waited 30 days for a response and did not get one. I sent a follow up letter on XX/XX/XXXX also via certified mail which they received on XX/XX/XXXX. Both letters included a copy of my driver license and my social security card for identification. Today, I received a letter saying that they can not verify my identity and to mail in a copy of my driver license and my social security card to verify it is me. I have sent the same information twice, but Equifax is not complying with my request.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX, which falls under XXXX  according to Sectioned 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. XXXX ] RIN XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of XXXX XXXX ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited actiontothismatter.. I have provided my ID along with the letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listedIMMEDIATELY. 
Listed below are the Personal Information that are being challenged Employer - XXXX  Employer - XXXX XXXX XXXX XXXX Incorrect DOB : - XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused me significant XXXX XXXX  financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my consumer report with XXXX, XXXX and Equifax through certified mail. I received my investigation results in the mail and all the information I disputed was STILL inaccurate AND incomplete. I called XXXX today ( XX/XX/2023 ) and the woman with XXXX was very rude and did not want to hear anything I had to say about inaccuracies. I requested that I be sent proof of the procedures they used to investigate my dispute in a separate communication and upon continuing to argue with me, she hung up on me before the problem was resolved. 

It is to my understanding that by law, when being disputed, these consumer reporting agencies are supposed to put in the comments of each account on my consumer report that " this account is in dispute and are being investigated ''. Only Equifax did that on their report. XXXX and XXXX never put that in any of the comment section ( s ) of any of the accounts in question. Payment History is inaccurate for each account amongst all three credit reporting agencies ( XXXX, Equifax, XXXX ). The furnishers on my credit report have not responded to me about charge-offs and they've never sent me 1099-C forms. I believe the companies at hand are committing tax fraud. Multiple furnishers do not even have permission to report my consumer report. I have requested to be opted out of such reporting and to please give me the necessary documents to opt out of them reporting to these agencies asap. 

15 U.S Code 1681a ( 2 ) ( A ) ( i ) suggests that transaction ( late payments ) and experiences ( utilizations ) are to be excluded from consumer reports. We, the consumers, are entitled to privacy and 100 % complete accuracy. I believe these third part agencies ( XXXX, Equifax, XXXX ) are failing to protect our privacy and personal information. I never gave them or anyone furnishing information on my consumer reports permission to share my information with anyone. All of my negative accounts, late payments, and utilization needs to be deleted at once amongst all credit reporting agencies ( XXXX, XXXX, Equifax ). Multiple Hard Inquiries are on my consumer reports without my consent and after disputing are still not being taken off. 

Furnishers of my personal information such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX are reporting without my consent. 

XXXX, Equifax, and XXXX are failing to verify accurately and to uphold their standards of accuracy. They are negatively impacting the livelihood of countless consumers and should be held accountable for the incredible amount of damage they are doing. They fail to realize that us consumers are the ultimate furnishers of information.
Product: Credit reporting or other personal consumer reports

The amounts shown and owed on my credit report are not accurate and may be a result of fraud or identity breach. I have received letters from companies that have informed me that my information may have been breached or compromised. If so I would like for it to being removed from my credit report as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/ XXXX XXXX #XXXX is reporting a collection to my account that is in error. This collection was paid off over a year ago and is still reporting a balance, it is negatively effecting my scores and it should not have a balance reporting. I would like it removed immediately.
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. 
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 has violated my rights.

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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 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.

15 U.S.C. 1681B ( 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

I saw the negative action was put back on my report after previously disputing it months ago. I got in contact with the company to advise them I have no knowledge of this account and would like it removed off my credit report. I asked for proof and documentation of where this alleged debt came from for which they were unable to provide.
Product: Debt collection

I am contacting you regarding a debt collection which has recently been reported on my credit record. I am requesting that both The Best Service Company ( a collection agency ), and XXXX XXXX  remove this item from collection and from my credit report and all banking records immediately and permanently. 
I am not responsible for this item, and it stems from a check which was issued in my name by XXXX XXXX in 2017, deposited in my XXXX XXXX  account, and was returned by XXXX, causing a negative account balance and major financial complications for me, including overdrawn accounts, bounced checks and payments, etc. I paid all associated fees, but after repeated requests, conversations, and consultations with XXXX XXXX department, XXXX XXXX   failed to pursue XXXX and collect the funds. XXXX XXXX  instead opted to pursue me for an amount which I never received, do not owe, and am not liable to pay. 
I closed my accounts shortly after the incident, which has been three years, but XXXX XXXX  created a collection amount on my banking records as well, prohibiting me from opening new accounts at any other financial institution. Both this action, as well as XXXX XXXX   subsequent sale of the unwarranted debt to a third party is fraudulent, and allowing it to go to collection constitutes harassment and extortion. 
I ask that the Consumer Financial Protection Bureau assist me in removing this unsubstantiated debt and collection activity by The Best Service Company or any other agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or apply for anything from Ally Financial I called them and they also acknowledged that I did not apply this company is on my credit report not once but twice.. why would a person reapply at a place if they were denied once already it is clearly a error
Product: Credit reporting or other personal consumer reports

Moneylion is reporting inaccurate and misleading information and missing information on two of my loans i took out.
Product: Mortgage

XX/XX/2018 At around XXXX XXXX I opened an email from XXXX XXXX, and I opened the email and it said that it was a no obligation to get a response and nothing would effect my credit score or rating, however I found out later in the day They did ding my credit score. My credit score is Poor already and I am trying to refinance the house I and my children are in and now my scores are affected and lower then before.

I am waiting for XXXX XXXX and XXXX XXXX and going through the courts for this, I wanted to get a quote on what the payments would be reduced to, however found that there were no savings to be had after taxes, principle and interest where added.

So, I am very concerned and want my scores put back to normal XXXX XXXX has no right to take advantage by claiming these things. I am used to having my husband do these thypes of things and feel taken advantage of, and lied to. XXXX XXXX
Product: Debt collection

i created this debt along time ago at least 8 years ago an i would like you help on cleaning it up an stop the harassing call from collections ageny
Product: Mortgage

Here is something that NO ONE is thinking about that home buyers, and especially first time home buyers are not considering when purchasing a home! I even tried to get legislators to require this, but they refused. When the mortgage crisis hit, many HOAs did very little to manage their finances. At least mine did n't. They spent a lot of money going after home owners, and collecting very little because the HOA found out it could n't collect, so we picked up the legal fees for liens. My HOA in the last 16 years relied on a defect lawsuit settlement to " keep their dues down '', but there next to no funds to begin with. I screamed about having a reserved study for years. About 5 years ago they had one done, and we are about XXXX underfunded. There are only XXXX homes in my HOA. So very quickly, ..in a matter of a few years the HOA 's settlement money will be depleted, and there will not be enough money to fix the exteriors, the roofs, the roads, and pools in our area. These new home buyers have no idea what is facing them because they have never purchased a home before. The HOA does show them the reserves, but it does not show they the future requirements based on the reserves studies. It 's a HUGE piece of the financial obligation puzzle that is conveniently left out of the financing of ahome. So many HOAs are underfunded, that realtors would have a fit if it was exposed. So many buyers do not realize they may be buying a lemon, ..so in a few years, there may be a lot of them walking away when special assessments hit them. And if they do not approve them, ..they community will suffer. You need to do something about disclosures, ..because on a state level HOAs are not doing a thing about it because they do not need to do it.