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

I disputed personal information incorrect address and name on my credit report to reflect the correct information on my drivers license. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You will see attached drivers license! The credit bureaus refuse to correct this information several times! They incorrectly updated it 5 or more times. Also, at one point deleted my address completely off my credit profile. This is cause extreme stress and anxiety. Also, XXXX due to inability to obtain credit. I am going to seek legal counsel soon and sue for emotional and financial damages for {$500000.00} This is cause extreme distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into the Fortiva credit protection program which pays the minimum balance due for 6 months. Fortiva paid my minimum monthly bill, but reported to the credit bureaus that my account was past due, and it affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On six separate occasions, both in writing and online through CFPB I have tried to get a derogatory remark that is not mine removed from my credit report. It is removed temporarily and then allowed to be posted again under different names, each time being harder and harder to contact the debt collection agency that is breaking the law with this reporting. On XX/XX/2020 the original creditor to the debt in question, XXXX XXXX, verified in writing to my physical address that the account was NOT mine. Despite this and numerous complaints the debt collectors have continuously placed the account on my report. When a credit reporting agency has removed it, they've altered the name of the business holding the debt and reissued it as new under the different holding name. Besides being illegal this has made applying for a home mortgage impossible because I can't guarantee a new debt collection for {$780.00} which is not mine, as verified by the  original creditor, won't randomly show up on my credit reports despite being removed on 4 separate occasions prior to this. This last time Transunion has allowed the debt collection agency to again post this collections account, which has been verified as not belonging to me, but also allowed them to have a fake name " Collection '' as the original creditor and debt holder. Neither of which is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several significant mistakes and discrepancies found on my credit report, which was recently obtained from your agency. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the information being reported by your agency. 

Upon careful review of the credit report, I have identified the following errors and inaccuracies : -- -- -TransUnion XXXX -- - XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 XXXXXXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$280.00} and XXXX XXXX XXXX {$420.00} I challenge the accuracy, compliance and reportability of these listings. 
There are no contracts, no valid claim ... accounts were settled with original creditors ... grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. You can not collect a debt twicethis is unlawful Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

I have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports that all my loans are currently late. The Accounts do not have a past due amount but they are still reporting over +120 plus days delinquent. How can I not have a past due amount but still be delinquent? 
These are the following account : XXXX There are 8 Loans in total.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work directly with Moneylion for resolution of the issue with their listing on my credit reports that is listed incorrectly due to their error. However, as I write this complaint realtime, my issue has yet to be resolved. Moneylion stated that they did an AUD Update on XX/XX/2020. However, it has been ample time for this to have been corrected but, the credit bureaus, specifically XXXX  has confirmed that they have not received anything from XXXX  since their last update on XX/XX/2020 in which they reported the error. Currently, Monelion has  failed to fix the issue because they are somehow under the impression that they have fixed the issue and clearly, they have not as neither of my credit reports for XXXX, XXXX, and XXXX  reflect the correct status of my Paid in full {$0.00} balance account MoneyLion Loan # XXXX. As of today 's date, XXXX  is still reporting my account 30 Days Past Due with a {$86.00} balance with a last update of XX/XX/2020. This loan does not have a balance as it was paid in full and there has not been a 30 Day delinquency. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. As of today 's date, XXXX  is showing this account as open with a {$290.00} balance which is not correct. This account has been paid in full and closed with a {$0.00} balance for two months but my credit report does not reflect that. 
I received a call for once regarding this issue from a XXXX XXXX on XX/XX/2020 from the Complaints department. They feel as though the AUD update they say they sent on XX/XX/2020 has fixed the issue when in fact, XXXX  has advised they have not received anything from Moneylion since XX/XX/2020 when they reported the error and nothing since. I spoke with XXXX XXXX later that day and then her manager XXXX XXXX who assured me that she would work with the credit reporting manager to get the issue resolved. I advised them that XXXX  advised me that they would need to contact the Creditor Maintenance department via phone which is different from consumer customer service, yet, they have failed to do so as the issue is still not resolved. They just keep saying they sent the update and that they have done their part. This is impacting me negatively and delaying my approval for loans and other credit based activities in which Moneylion has yet to resolve. This error that Moneylion has been negligent by causing and failing to fix has caused me hardship, impacted me  negatively, financially, as well as caused me to be declined for a disaster relief loan for my XXXX  due to the error with my personal credit which is used as the guarrantee. I have provided screenshots, and neither of the people who I spoke with over the phone as well as email have not responded or acknowledged my concerns regarding my credit files still containing the error that they reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies to obtain a copy of my credit reports and when I received them, I seen the reports were filled with inquiries and accounts that were either charged off or in collection under my name. I contacted these companies an informed them these accounts had to be in error because I have no knowledge of them I requested the companies provide me with documentation of the original contracts with dates & both parties ( my Signature as well as the Companies ) signature on the documentation they could do no such thing. I also have tried disputing these inaccuracies through the credit bureaus, they have done nothing besides ignore me the companies have not provided me with any proof of contracts/documentations or anything, but instead the credit bureaus continues to report these accounts as accurate I really need my information reported correctly and the credit bureau should not be allowed to report this in accurate information to other parties it is outright slander. 


Promptly delete the inaccuracies from my report and be sure that I am the person openings these accounts that are associated with my name for goodness sake I have never lived at these addresses
Product: Credit reporting

XXXX at XXXX XXXX apartment complex filed for eviction, placed the account for collection and filed a judgment against me in XX/XX/XXXX. In XX/XX/XXXX, I appeared in court to answer the charges and the case was dismissed with prejudice in my favor. Although the collection agency and credit bureaus honored the dismissal order and removed the collection account from all XXXX bureaus, unfortunately this case is still part of public record ; consequently, the rental application I submitted to XXXX XXXX XXXX in XXXX XXXX, CA 3 days ago was denied based on that public record. I then contacted 'On Site ' who does the credit and background investigations for XXXX XXXX and submitted the dismissal order as requested, but they are saying they can not update their report for this application or future ones because the case number on the public record does not match or appear on the dismissal order, however, all other identifying information is identical. I then contacted XXXX XXXX and was told to contact XXXX XXXX to have the item deleted, however, XXXX XXXX stated this item does not appear on their records, therefore, they can not assist with this matter either. It seems the only record of this is the case is the public record filing and everyone is saying it is not their responsibility to correct it. The debt was invalid from start which is why the case was dismissed with prejudice.
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 XXXX : 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 XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As 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 CREDIT BUREAU 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

The below company repeatedly reports late to all 3 credit bureaus which is not true or consistent to what me as the consumer has been doing. The amount of excessive late payments reported is very unethical and shouldn't be on my credit report. 
XX/XX/XXXX {$630.00} Balance updated XX/XX/XXXX 25 late payments XX/XX/XXXX 30 - - - - - - XXXX 30 60 60 XXXX 30 60 90 90 120 90 60 60 90 90 120 90 XXXX 30 60 60 90 60 60 60 60 60 XXXX XXXX - - - On Time 120+ Days Late 30 Days Late 60 Days Late 90 Days Late - Data Unavailable
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, i noticed that there were some accounts listed that do not belong to me. I've never seen or heard of these companies before. 

XXXX XXXX XXXX, balance {$180.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$6600.00} posted on XX/XX/XXXXXXXX XXXX XXXX XXXX, balance {$0.00} posted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX balance {$1900.00} posted on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I purchased XXXX from Blockchain.com using my debit card. 
After the purchase, I tried to move my coins purchased to my personal secured wallet for storage. 
When contacted customer service by chat to see why is it not letting me withdraw my coins, they sent link to a seperate support article which is not present anywhere in the website saying once the purchase is made, you cant withdraw your coins outside our exchange for 3 days. This is completly wrong business practice and not disclosed anywhere within the blockchain.com. i hope CFPB takes appropriate action and close its operation in the USA.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has access to my personal information and is using it to open fraudulent accounts
Product: Debt collection

XX/XX/2019 - I called to let them know this debt is over statue of limitations as I have not even lived in this particular city in over 13 years. I was told that is not the case and that it is owed and that there is no statue of limitations on this debt. I told them I dispute this debt and that I am not admitting I owe the debt and was then told they would verify the debt and send me the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mariners Finance is  reporting  XXXX  negative account to the credit bureau for  XXXX  loan and the balance being reported is not accurate. Account #  XXXX  Account #  XXXX  Account #  XXXX
Product: Student loan

Dozens of Times to try and speak with a representative and can never get anyone to answer. Wait times on a consistent basis of twenty minutes or more. Left voicemails multiple times over the course of months and no return call. 

Trying to debt resolved to stop further interest accruing and to help clean up credit. Finally get a hold of someone about 7 weeks ago to setup payment program and was advised of payment program and to setup payment program. Waiting on paperwork to be received and contacted rep after 35 minutes on hold. Advised my letter was just completed as it has to be hand typed????? Its been almost 4 weeks since last call and I received mail today XX/XX/XXXX advising the company Bass and Associates has been trying to reach me in which they havent. ( we can pull phone records if needed. 

I feel I may not be the only one as the company has terrible reviews online with same issue. My personal opinion is that they are doing on purpose to keep tacking on interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 

2. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my XXXX, Equifax and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent XXXX, Equifax and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I accessed XXXX XXXX and started a pre-approval application. I NEVER completed the application nor hit submit. The first page was completed, and then I hit the next button for the 2nd page which was NEVER completed. 
They did a hard inquiry on my credit report. When I got to work this morning, the application is still on my screen NOT completed for the 2nd page which asks about employment/rent or mortgage/wage. Submit at the bottom. This inquiry needs to be removed from all credit bureaus because it was NOT approved to be ran. This was ran on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at a Macys store in XXXX Florida in XXXX and was buying some items. The salesperson asked if I had or wanted a Macys credit card. I said I used to have one. Her response was that they could reinstate the account. I said that is fine as long as it doesnt involve a hard pull on my credit as I did not want my credit pulled. She replied that there would be no pull. I asked her two additional times before agreeing and she said there would be no credit pull or inquiry to reinstate that old account. Later that day I received an alert that Macys pulled my credit, hard inquiry. I did not give permission to do this and called Macy.s credit. After being transferred around I was told that the inquiry would be removed and I would get a deletion letter. It has now been over 90 days and I have received nothing. I have attempted to call them back multiple times, have held as long as 80 minutes until their system disconnected me. I contacted the credit bureaus and they said I had to call Macys. I explained that I have multiple times, so they suggested I reach out to you. I didnt authorize this credit pull and was verbally told 3 times that no hard inquiry would be done. This is an unauthorized pull of my credit and I want it off of my report.
Product: Debt collection

I was an XXXX XXXX XXXX customer for 14 years. The equipment began to malfunction and I did not want to upgrade the system. 
On XX/XX/XXXX I paid an annual fee of {$350.00} for service from XXXX of XXXX through XXXX of XXXX. 
On XX/XX/XXXX I called to cancel my service. At this time I was still prepaid through XXXX of XXXX. I was told I would receive a refund of {$83.00}. To date, I have not received the refund. 
XXXX made a billing error and is trying to collect {$240.00} through Apelles. 
XXXX kept me on hold on the phone for over XXXX minutes several times. No one wants to fix this on their end. 
I requested additional information from Apelles, and they sent me a copy of the contract that was signed back in XXXX. There are no equipment fees owed on a contract that was signed 14 years ago. 
Apelles also provIded a list of all of the payments I made over the past XXXX years. This information backs the fact that I was prepaid through XXXX of XXXX and I do not owe XXXX money. 
No one has explained what the {$240.00} charge is for. No one is even reading over the information they provided, that substantiates my case. 
Please help!