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

For several months, I have been trying to dispute negative accounts from my credit report, several times. And recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. $ 168i ( 7 ) Method of verification- Description of reinvestigation procedure. 

Listed below are my negative accounts : XXXX XXXX amount : {$560.00} XXXX XXXX  XXXX {$620.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

I disputed ownership of an account of my report, asking them explicitly to request proof of ownership which the creditor was unable to do, responding simply that I call them. Having not been able to provide this information and according to the FCRA and transunions actual policy, they should be removing this account. They have been near impossible to communicate to and simply insist I re submit a dispute over and over again, always waiting a full 30 days or longer to reply with the same response, that I should call the creditor and that they are not responsible for reporting the information, the creditor is. This has been a confounding experience and very disheartening to see that one of the only two credit reporting bureaus practices unlawfully. They also will not remove an account that was opened in 2015 and has had no activity on it since that date. I have sent them the full account history which shows this is the case but they insist on reporting this still, even though its several years past the statute for reporting. They have been equally as difficult to deal with to resolve this and have spouted the same replies as the first situation mentioned above.
Product: Money transfer, virtual currency, or money service

I made a purchase of {$18000.00} worth of cryptocurrencies on coinbase. This purchase was made through my bank account, through 2 fractional purchases. One on XX/XX/XXXX in the amount of {$10000.00} and another on XX/XX/XXXX in the amount of {$8500.00}. I was informed at the time of purchase that I could send my money to my XXXX after 3 days. On XX/XX/XXXX I was informed that I could only withdraw the money after 15 days. And today the XXXX they informed me that I will only be able to make the withdrawal in 2 months. Every day since I try to speak with them. And the hold on my money stills there. They have custody of my money for 2 months and there is nothing I can do about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to lift a security freeze on my account with the 10 digit pin I was given. It didn't work. I called Equifax to have this resolved. 

XX/XX/XXXX XXXX Call 1 -Was told that my security freeze was lifted and I needed to change account information ( My Maiden name to my married name ) by faxing a driver 's license. I faxed DL to them at XXXX. 

Credit Check was not successful. 

XXXX Call 2 - I was told that my account was not frozen by I needed to give them 48 hours to receive the documents and that it would be 30 days before my credit check would go through. I didn't have 30 days to wait. Was told that a supervisor could change it on Thursday if I asked. 

Thursday XX/XX/XXXX XXXX Call 3 - They can not tell me where my documents are but I needed to send my social security card or XXXX and driver 's license. This directly against what I was told originally. 

Friday XX/XX/XXXX Fax XXXX and DL together XXXX Call 4 - They say they will get my information by Monday and they account will be updated by a supervisor. 

Monday XX/XX/XXXX XXXX Call 5 - They can not find my documents and do not know where they are. They will not call the department they were faxed to. They may have been shredded because they came out of the fax machine " too dark to read. '' I am told to change my information with XXXX XXXX XXXX and have them report to Equifax or to try faxing the documents and waiting 48 hours again. 

I was given incomplete information on how to change my name on my account twice. 
I was then promised that if I faxed the appropriate documents to Equifax then they would fix it. They can not find my personal documents even though they have been sent twice. I get a different explanation and answer from each employee I call. No one seems to know what I can do. They have delayed on their promises to fix my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I write the Credit Burrow   50 times that no bank can verify me two Open a new Account and the Credit Burrow never responds two the fact that no bank will verify me two open a new Account. I applied fore 5 credit cards this week all declined.
3 years i cant open a new bank account all where declined but one and the Credit burrow respond there is nothing two Dispute on the report and I agree there is nothing two   dispute i have a  XXXX   Credit Score  and should be able  two Open and Account most anywhere. What I 'm disputing is the Credit Burrow made it so 100 bank applications where denied me in the last 3 years.       XXXX   XXXX   XXXX   XXXX  robed me  XXXX    XXXX    then fore 3 years i cant open a new Bank Account because no new bank will Verify me. I was denied new bank accounts at 75 banks.  XXXX   XXXX   wont take my Credit Cards I  wrote all  XXXX   Credit Burrows 50 times sending 3  Forms of ID and the Credit burrow never responds or Sends a Copy of my Credit Report.     The Credit Burrow says there is nothing I 'm Disputing in my Credit Report, I agree i have a  XXXX    Credit Score and should have no banking Problems.
What Im disputing with the Credit Burrow the Fraud alerts made it so i cant open a New bank account fore 3 years.
I Write the Credit Burrow that i was denied 50 bank Applications all say they cant Verify me and the Credit Burrow says there is no Dispute.
The Dispute is that i applied fore 5 credit Cards   this month all denied me
Product: Credit reporting

There are XXXX accounts on my credit report have morphed into XXXX. The XXXX original as late the XXXX collection accounts from the same people then the XXXX collections classified as late. Now I have XXXX late and XXXX collections from XXXX accounts. 
The original account was opened in XX/XX/XXXX with a CC processer. The original contract was for 3 yrs I closed it 51/2 yrs later. The XXXX contract was with the same processer ( unbeknown to me ( during that time I continued to pay the monthly {$10.00} statement fee ) ) This account was opened in XX/XX/XXXX. I then realized that it was the same outfit. The same company solicited my business then charged me a termination fee. 
I never signed personally for XX/XX/XXXX contract yet they have charged me. Only my XXXX # appears on the contract not my SS #. ( copy uploaded ). 
The same company has used at least XXXX different names, XXXX XXXX XXXX, XXXX XXXX, XXXX and First Payment systems. 
On my credit report, the charges are listed as a XXXX. There was never any line of credit between myself and these parties. 
XXXX XXXX XXXX
Product: Debt collection

I have been making steady payments ( sometimes twice a month ) to XXXX XXXX XXXX XXXX XXXX XXXX since my hospitalization at the end of XX/XX/XXXX. My original debt for services rendered from XXXX was {$1300.00}. Keep in mind that I also had additional debt incurred from this same hospital visit which I have paid off in full. I currently owe {$1000.00}. Also, please keep in mind that I just received an additional bill from XXXX as late as XX/XX/XXXX for {$180.00} ( 7 months after my hospitalization ). XXXX sent my account over to the collection agency of Malcolm S. Gerald and Associates , Inc . The phone calls started immediately on XX/XX/XXXX. They said I owed {$1000.00}. They said I only paid {$6.00} on XX/XX/XXXX. I informed that they were wrong and that I made a payment of {$100.00}. At that time, they looked into my payment history and only then corrected themselves and said that because I had 3 bills from XXXX, XXXX decided to put the majority of my payment towards the other two bills. They wanted me to make another payment immediately. I told them that I just made a {$100.00} payment and I would make another payment on XX/XX/XXXX when I get paid. 

On XX/XX/XXXX from Malcolm S. Gerald contacted me at my job and demanded I make a payment. I informed them again that I had just made a {$100.00} payment on XX/XX/XXXX and that I had already informed them on XX/XX/XXXX that the next payment would be at the end of the month ( XX/XX/XXXX ). I also told them that they were violating laws by contacting me at my job and they should stop calling me at my job immediately. 

On XX/XX/XXXX I received a call on my cell phone from XXXX XXXX from Malcolm S. Gerald demanding payment again. I told Ms. XXXX that I have spoken with them twice already this month and that my payment would be made at the end of the month ( XX/XX/XXXX ). She stated that it is the end of the month. I stated that XX/XX/XXXX is the end of the month and this was the third time speaking with her agency this month. This agency is harassing me even though I have been making steady payments to XXXX to reduce the amount of my debt. Someone needs to provide them with a calendar and teach them what day is considered the last day of the month and not to contact me at my job.
Product: Credit card or prepaid card

I received in the mail a US Bank ReliaCard Debit card in the mail. Never solicited for it. I called the phone number and discovered its for unemployment insurance payment. I called XXXX to have the card deactivated. I was on hold for 2 hrs before reaching an agent XXXX located in XXXX, Florida. I advised I never filed a claim for unemployment. She deactivated the card, she advised she will mail me paperwork showing the card is deactivated. XXXX advised me to file a Police Report, file a complaint with the Federal Trade Commission, file reports of fraud with the 3 credit bureau 's and call the Colorado Unemployment and get the case closed on my name. I have a very unusual last name XXXX. I'm the only one in Colorado!! I will do some of this today and the rest I will have to do on Monday with phone calls. 
I called the XXXX County Sheriff 's Department to file a Police Report it is CT XXXX with Officer XXXX Badge # XXXX. He informed me that these people can be anywhere and to file a report with this agency as well. 
I did not activate the card, I refused to give the last 4 digits or confirm my phone number. The card was never activated. I am a Federal Worker for USPS, I know there was a breach a few years back on our information. I will be enrolling in XXXX as well for my protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be repaired as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files. 

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the XXXX timeframe required by law. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to discover that inaccurate accounts suddenly appeared on my credit report this morning, and I have no clue how they got there. I checked my report, as I always do, but this time, out of nowhere, there were discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the errors remained. I really need the documents I submitted to be thoroughly reviewed so I can stop worrying about this ever happening again.
Product: Credit card

Received a credit card statement in the mail dated XX/XX/2023 from Wells Fargo Bank , N.A . Statement has a balance of {$0.00} and a credit limit of {$5000.00}. I did not apply for this credit card. This credit card account does not currently show up on my credit report through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone did a hard inquiry on my credit XXXX XXXX and it says there is an installment loan but it does not belong to me! 
I tried to call the company listed and if the and it belongs to a rewards program and there is an automated message and then it hangs up.
Product: Credit reporting or other personal consumer reports

This complaint is to formally dispute the unauthorized and fraudulent information currently appearing on my credit report. As a victim of identity theft and the NPDData breach, my personal information has been compromised, resulting in multiple fraudulent accounts and inquiries. Notably, there are two critical issues involving XXXX  and the misuse of my name, XXXX XXXX, along with my Social Security number tied to my identity in the breach. I am requesting an immediate investigation of these items in accordance with the Fair Credit Reporting Act ( FCRA ). 

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( a ) - ( b ), 5564, and 5565, and my privacy rights under 15 U.S.C. 1681 ( a ) ( 1 ) - ( 4 ).

I believe my credit file has been subjected to improper investigations or reporting practices, leading to inaccurate reporting. I also believe that XXXX handling of my credit file may be violating my privacy rights as guaranteed under the FCRA, which mandates that consumer reporting agencies ensure the accuracy, completeness, and privacy of the information they report. Ive requested Experian to provide me their description of procedures on numerous occasions relative to U.S.C. 1681e ( b ), This same account with XXXX XXXX XXXX # XXXX was deleted from my XXXX report back on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX XXXX 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 an account without 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 buy more than XXXX years. 

15 USC 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bank of American I believe has preditory lending on my home. They did a refinance of my property and then after the mortgage was signed they added in a loan modification and included a property that is owned free and clear without my knowledge. They gave me a XXXX year loan in which I will not be alive in XXXX years, and added my other property to the loan re fi without my knowledge. My realtor noticed a title issue that there was a mortgage XXXX on my property that was never included in the refi of the other property. It felt as if Bank of America is trying to take both my properties. They never notified me or had me sign a document for this exhibit. I have asked them to remove the free and clear property as this was not discussed or approved or even needed for my refi. They have given me the run around for the past XXXX months, saying they made a mistake and will modify the loan to remove the free and clear owned property from the loan. They still have not done this. 
That property is for sale, and this will hold up the sale and caused a major titling issue. We feel they did this on purpose to try and take both properties without us finding out. They will not resolve the issue. They added the other property without notifying us. They modified our loan without disclosure or notice. We have requested they remove the property immediately, they agreed, and still nothing. We feel they are trying to give us a loan they know we won't live long enough to pay off so they can take our properties. I am XXXX and they gave us a XXXX year loan. 
I want to sue them as this is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received anything from Equifax in regards to my credit report and XXXX XXXX. They claimed that they would send out a report but I have not received anything. It has been over two weeks. I need my consumer report and XXXX XXXX. I've been trying to reach out to Equifax, they have not given me access to my CONSUMER CREDIT REPORT and XXXX XXXX. I have attached screenshots as proof. All I want is to have my CONSUMER CREDIT REPORT AND XXXX XXXX. Nothing less, and nothing more. Pursuant to 15 USC 1681 ( 4 ). Equifax has a grave responsibility with fairness to the consumer to abide to the Fair Credit Reporting Act. Pursuant to 15 USC 1681 ( 3 ), consumer reporting agencies have ASSUMED a vital role in assembling and evaluating consumer credit. I demand my CONSUMER REPORT AND XXXX XXXX I am entitled to a free weekly report due to the current pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

on this card credit i had a credit limit of {$3500.00} but i only owed {$3000.00}. I was closing on a house and the Title company mailed out a FULL payment to the company to pay off the full balance. And I explained this to the company that a full payment was being mailed by the Title company. They still report a late payment for XXXX and i should not have a late payment on my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against EXPERIAN for failing to correct inaccurate information regarding late payments reported on my credit report for account Account Number : XXXX Creditor : XXXX Creditor Address : XXXX  XXXX, NY XXXX Despite multiple requests for correction XXXX XX/XX/XXXX, [ Date of First Letter XX/XX/XXXX ] and [ Date of Second Letter XX/XX/XXXX ] ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

1. FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

2. TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers.

I am formally requesting that the inaccurate late payment notation be removed from my credit report immediately.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 


Account Number : XXXX Creditor : XXXX Creditor Address : XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, 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. 

I told the Experian and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case