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

Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 30  ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

This was my follow up complaint to you today regarding my issue of being victim of identity theft. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous information and inquiry which were being posted to my reports. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ==========XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXXXXXX XXXX  XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

These unauthorized inquiries are reporting on my credit file. Please see the attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/2022 ; D XXXX XXXX ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting

I am submitting this complaint against Equifax credit agency. First, a little history ... I have free credit monitoring protection due to my information being compromised in multiple consumer breaches. In recent months, there has been an increase of fraudulent activity where my personally identifiable information has been used in attempts to open accounts with several financial institutions. This prompted me to file a police report and submit a credit freeze with the XXXX Credit Agencies ( XXXX and Equifax ). XXXX and XXXX are great! They have very helpful, friendly service and I was able to get freeze my credit with them in no time. When I attempted to contact Equifax to submit a credit freeze and dispute a credit report, I was confronted with a fully automated answering system without option to speak with a live representative. I tried three different phone numbers XXXX XXXX ; XXXX ; and XXXX ), but each number connected me to the same automated system. During the automated call, Equifax instructs callers to submit requests for fraud alerts, credit freezes and credit reports by mail. The most disturbing issue is that Equifax requires callers to submit personal information including, full social security number, full mailing address, and a bill or paystub. This is appalling and unprofessional. No organization, especially a credit agency should be asking anyone to submit personal information through the mail. Please fine, reprimand, hold Equifax accountable to this gross negligence and mishandling of personal information. Thank you.
Product: Credit card

I opened this account with Kovo anticipating having a savings account where I can save some money I have {$10.00} to take out of my personal checking account every month for the past year and a half into a savings account and at the end of the terms I can withdraw the money from my understanding but that's not the case the money I give Kovo it goes towards some material what in the world I am not interesting in no material I though this account was my account to save money and use my own money not for Kovo to send me material.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

5. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account XXXX : XXXX Delete this account. 

7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 AUTO XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
10. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete this account. 
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Theres a debt service which is called CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX, MA XXXX With original debt with XXXX XXXX XXXX ( Insurance company ) Ive never even had XXXX XXXX ever in my life and I keep disputing but the dispute results keep saying is accurate with nothing showing where I had XXXX XXXX. I ask for dates of when I supposedly got insurance through them and I get no investigation results confirming this account. The only thing I can actually find out is the date the account opened and thats from seeing it on my own through XXXX XXXX. The date was XX/XX/2020. This account is not even mine and I cant even dispute it to get it removed nor get results showing that I, myself opened the account. Which is probly because Ive never even had XXXX XXXX. This account needs to be removed and deleted. 
Thanks
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( XXXX ) 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: Debt collection

Name : XXXX XXXX DOB : XXXX SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX Companies involved : Bridgecrest Account Number : XXXX XXXX XXXX XXXX I received last communication from Bridgecrest XX/XX/XXXX Stating I owed {$14000.00} on a repossessed car. 

on XXXX I had phone communication with Bridgecrest and they stated that the last reposted total was {$10000.00}, they would not not give me a date on this. I asked for a statement to be mailed to me and they stated it was no longer in their hands as they had written if off. 

All credit bureau 's and XXXX report we owe {$24000.00}. As of XX/XX/XXXX We have tried talking with XXXX with little to no response over the last 5 years. They are not willing to settle for anything other than the {$24000.00} amount to which I believe is not correct, they are not willing to correct the amount or look into the possibility of the discrepancies. I have asked for statements to also be mailed to show what all they are collecting. I have never received anything.
Product: Money transfer, virtual currency, or money service

At approximately XXXX XXXX XXXXt on XXXX XXXX my security arrived at the proper location, set to attention to XXXX XXXX XXXX the trustee of the account holder receiving my security. I was instructed that the right personnel would be sure that my property get to XXXX XXXX. 

On XX/XX/2024 at XXXX XXXX XXXXt I made a phone call to XXXX  and there was no answer so I left a voicemail, simply to make sure she in fact received my property safely. I called a second time to try and reach her on the line but nothing again, so I left a second of voicemail. I called every other day following to double check the arrival of my registered security with no answers. I then proceeded to email someone who I could potentially get help from. I emailed the XXXX  XXXX  department as well as XXXX 's email starting on XX/XX/XXXX. Then again on the XXXX with calls made in the mean time as well. All of which I received no responses to. The only reply I at some point on XXXX, XXXXXXXX XXXX  received was an email from XXXX XXXX stating that she would be out of the office and to email any correspondence to her colleague XXXX XXXX. I followed the request and reached out to XXXX and still no replies no responses no answers, I sent two letters as well. Due to these avoidances I am led to believe there is potential securites fraud being committed against me. I am seeking resolution in this matter immediately. I did my due dilligence to get in contact with the XXXX XXXX, specifically XXXX XXXX, but have failed to do so. I can provide the necessary documents timed stamped and or tracking. I simply need help upholding the justice due me in regards to my registered security, Thank you.
Product: Student loan

I applied for school however became XXXX with XXXX and for medical reasons I withdrew.
Product: Checking or savings account

I tried to deposit money into my savings account with SoFi from my XXXX checking account. I have done multiple transfers from checking to checking without issue. I deposited {$1000.00} in a transfer from XXXX checking to SoFi savings and it showed available and then 2 days later showed reversed and I had no idea why. So I reinitiated the transfer and the same exact thing happened. SoFi is telling me I violated their agreement by having two reversals when there is no reason for the reversals that I have control over. XXXX has no record of having declined any ACH that I initiated through SoFi at all. Then today when I call SoFi they ask me why The reversals happened and if I am traveling to which I responded I have no idea other than SoFi reversing them on their own and no I am not traveling. That rep and then multiple afterwards have shown no empathy whatsoever about my situation not being able to access my own money and have told me theres nothing else they can provide an abruptly say they are ending the call. They said its been escalated already and that there is no timeframe provided and that I am to check in with my app in XXXX hours. This is unacceptable as I need answers now. I need access to my money and my account unfrozen and an explanation as to why they are doing this to me for no fault of my own or XXXX bank and then I will make a decision if I want to continue to work with them.
Product: Payday loan, title loan, or personal loan

To whom this may concern, I have an issue with my current loan Advance financial. I had applied and approved for a loan for {$250.00} which I was making payments for about {$56.00} per pay check. Now I went ahead and on the website and refinanced the loan but for the wrong amount which I instantly returned the funds within the same day, the amount was {$2200.00} and sent the cancelation document for the loan the same day actually the same hour. I reached out to their contact center and talked to an Agent who explained to me that was you cancel the loan they would revert the loan back to its initial loan amount of {$250.00}. The agent explained to me that they will open a ticket on the XX/XX/XXXX to handle the matter All this happened back in XXXX. I have called constantly for the last 2 months to get an update on this but all I get is the finance department has a ticket on the matter. I noticed that on their site it did not change anything and instead showed the previous loan amount of {$2200.00} and that I owed {$650.00} on XX/XX/XXXX. I found this very concerning and got me anxious. I reached out to their contact center rep and each time they stated that it was canceled and that finance has a ticket open to fix the issue and get my loan to the previous {$250.00}, each time I would reach out, and this has been more than dozen times I never got a straight answer and would request a supervisor call and never received a call from a supervisor till this day ( Almost 2 months later and more than a dozen calls ). 

Today XX/XX/XXXX I spoke to rep who instead told me very contradicting information and had me highly concerned about the issue, she was stating I still owed {$2200.00} plus interest for a loan I never took or used due to it being appended to the previous loan. I explained to her that should not be the case as I canceled the refinance loan and provided adequate documentation to this matter to cancel the loan. It seems that the organization is not following correct guidelines and is instead using predatory practices to extort customers. I have been calling for more than a month to get a solution to this matter and it is unacceptable that I hear contradicting information and also to be charged for a loan I never took or used, one of reps on the call dating back to XX/XX/XXXX explicitly stated that the refinance loan is canceled and your previous current loan would be upheld. Today on their site I see I owe {$2700.00} and a payment due of {$650.00} on the XXXX, this is wrong and unacceptable. 

I requested more than 5 callbacks from them asking for a supervisor but not once did I ever get a supervisor to call me. No call records from them calling back. 
They have to be stopped as they are ruining lives. Advance financial purposely refused to give me correct information and instead gave me contradicting information in regards to the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an erroneous derogatory claim placed on my credit report. The original debtor, XXXX had falsely submitted my account to a collection agency, XXXX XXXX  for a debit I had previously paid. My debt was paid in XX/XX/XXXX and XXXX submitted it as unpaid in XX/XX/XXXX affecting my stellar credit. I have filed disputes with each of the agencies, XXXX, Equifax and XXXX. XXXX immediately removed the false report, however XXXX and Equifax completed the investigation that the item was legitimate. I contacted both XXXX and XXXX XXXX and provided proof the account was settled and never should have gone to collections. I provided that to both XXXX and Equifax but they failed to rectify my credit and remove the erroneous collection item. This never should have gone to collections in the first place and I wasn't even notified and just happen to find this on my credit report. Further, there should be some consequence to the collection and credit reporting agencies for knowingly reporting false information. 
I have attached documentation of my XXXX bills showing the charge on my XX/XX/XXXX statement and it was paid in XXXX but the account was submitted to collections in XX/XX/XXXX. I provided this all to the credit agencies and the collection agency but they continue to fail to correct this.
Product: Checking or savings account

I got charged throughout my years now and then for nsf and I never got it back
Product: Credit card

For CareCredit, I got prequalified for {$500.00}. I didn't finish the application because I had a family emergency. Now when I try to get prequalified with the same economic information as before, I get denied. The denial reasons include " too low of a credit score '' and they list my XXXX as being XXXX. According to XXXX, my XXXX score is XXXX.
Product: Credit card

I did not renew my membership with XXXX and Citi closed my account which in turn affected my credit score. I feel that there is some sort of collusion with CitiXXXX that if you do not maintain your membership, your Citi account is closed. I became aware of this when I was notified that my credit score had changed. I feel {$140.00} for XXXX annually is more than we can afford - my balance was {$0.00} - never late - never any problems. I don't remember signing something that said I agreed to maintain a XXXX membership year after year ). I'm sure I could have asked that the account remain open ( after the fact ) but the damage was already done. I do not feel it is my responsibility to contact all XXXX credit bureaus to dispute the closing of my account. This is just totally unfair.
Product: Credit reporting or other personal consumer reports

Identity Theft Affidavit sent and This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted several complaints to XXXX & LexisNexis regarding a Chapter XXXX bankruptcy reporting on my credit report. After careful investigation and wording of the law, it states the following : According to the Fair Credit Reporting Act ( FCRA ) a Chapter XXXX bankruptcy CAN remain on your credit history for UP TO 10-years from the filing date. For a Chapter XXXX bankruptcy, the maximum is seven years, like most other negative items. There are some key phrases in that statement that need to be clarified : 1. " Can '' - The FCRA does not require that a bankruptcy remains on your credit report a full decade. 

2. " Up to '' - Again, 10 years is not a legal minimum, it is the maximum. So, legally, bankruptcy CAN BE REMOVED from a credit report before that limit is reached. 

My bankruptcy is scheduled to be deleted in XX/XX/2020. I am applying for a mortgage and this is severely impacting my ability to obtain reasonable financing. I am asking LexisNexis & XXXX  to read the above law by the FCRA and delete this item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request in writing on XX/XX/XXXX for these inaccurate, reporting agency altered accounts to be verified and validated with the original contract, agreement or account with my signature and date to match what is being reported.

It is my rights and the responsibility of the reporting agency to provide true and accurate reporting that it actively reports and shares with others and with lenders.

My written request was never acknowledged, never given consideration nor did it resolve the inaccurate and altered issues. Its been over 30 days and I and requesting all refused information is removed at once.

To inaccurately report inaccurate and altered info on a consumer credit report is in violation of the FCRA and violates many laws.

We as consumers are given the opportunity to dispute wrong and inaccurate, altered information however its been proven these reporting agencies refuse investigation and continue to completely and unfairly destroy a consumers right to fair reporting.

I have took an extreme loss and suffered much damage and made a victim of unfair, fraudulent reporting. 90 % of my credit reports are inaccurate and fraudulent. Attached on a report from XXXX it states, Date open XX/XX/XXXX from a company i have never transacted business with, It states, date of first delinquency XX/XX/XXXX. If properly verified and validated with original documents signed and dated, that would resolve many issues. 

All of this evidence will be put together and submitted to the courts for further investigation and compensation. Against Experian, XXXX and XXXX XXXX.
Product: Debt collection

Hello, I opened this account with XXXX XXXX in XX/XX/XXXX I fell in financial hardship and wasn't able to pay. They sold this to XXXX XXXX and they started reporting to my credit on XX/XX/XXXX. I tried to get them to validate they didn't even respond to me. So I know something is not right. I also looked up if they were able to collect in my state and they were not so they must stop reporting.
Product: Credit card

I have applied for a Target REDcard while checking out at XXXX of Target stores in XXXX, TN ( On XXXX XXXX ). I made a one-time purchase when I applied ( back in XXXX 2015 ). 
I never received any correspondence from Target REDcard at all. I only received a letter from XXXX collection agency on XXXX XXXX, 2015. I called Target REDcard and they informed that the mail was returned!! ( probably due to invalid address ). I asked for them to contact the Credit Agencies to remove the bad credit that they reported. Target REDcard refused to remove the bad credit reporting.