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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Employers : XXXX XXXX Addresses : 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 XXXX XXXX Public Record : XXXX  XXXX Bankruptcy XXXX Inquiry : XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Public Record : XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer : XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Public Record : XXXX XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Sent a wire transfer to hold a vacation rental in XXXX XXXX Florida to Wells Fargo which turned out to be fraudent date sent from my bank XXXX XXXX XXXX Pa was on XX/XX/XXXX2022 for XXXX dollars.I have conacted my bank and are trying to talk to wells fargo with no luck.I have also tried to contact the bank with no responce.I have a Name Routing number Account number Debit Authorized acc number Fed Routing number Account Number. It was for a condo in XXXX XXXX XXXX listed on XXXX web site be aware this is not the first time this has happened
Product: Debt collection

This company sent a letter claiming that they verified a debt, they are claiming I owe. They failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. ( see attached copies of what they sent ). 

The entry of this debt they claim I owe on my credit report is very confusing, Account type shows Unknown - credit extension, review, or collection along with payment status, XXXX  showing a collection/chargeoff and XXXX  showing late 120 days? And the last reported dates? Nothing makes sense of this entry. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting. 

I have attached both what they sent to me and the entry of this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is XXXX XXXX XXXX the account # XXXX. I've noticed the company that this isn't my account and that I have a Court Order Declaring me a victim of identity theft. XXXX, equifax and XXXX is reporting this account. Yes I have notified them as well.
Product: Checking or savings account

Claim # XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Chase Bank, Fraud Dept Fax # XXXX Re : Claim # XXXX On XX/XX/XXXX XXXX XXXX XXXX was contacted by phone someone claiming to be from Chase Bank XXXX XXXX. He told her that fraud had occurred on her joint account with her husband, XXXX XXXX. He was able to mention several legitimate charges and then mentioned a {$2000.00} XXXX transfer to son, XXXX XXXX ( also a customer of Chase Bank ), a transfer that we never made. He said that we should get XXXX on the phone with him still on the line and get XXXX to transfer the money back to our account through XXXX. He said that if he didnt do that, he would be included as a suspect in the fraud. So, XXXX transferred the money back through XXXX, but it didnt arrive back in our account. Then, another {$2000.00} was transferred from our account ( though we didnt do it ) into XXXX account. He was told to transfer it back to our account, and he did. But it never came back into our account. XXXX tried a third time to transfer the {$2000.00} back ( since he thought something went wrong with the XXXX transfer since it didnt come back into our account ), but none of the money ever came back into our account. It was obviously intercepted by the gamer when XXXX tried to transfer it back to us. 

We made a claim with Chase Bank, and it was denied. Chase Bank sent us {$2000.00} back temporarily while the investigation took place, but then took it back after they concluded their investigation and ruled that all those transfers were legitimate and done by our devices. After this claim was escalated, Chase Bank eventually sent back {$2000.00} into our account. But not the full {$4000.00}. 

After two phone calls with Claims supervisors, both of whom purposely disconnected us and hung up on us, we are faxing the documents that clearly show that Chase Bank needs to send back the other {$2000.00} to our joint account ( which has been frozen and another opened ). 



Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting

I had XXXX late payment to XXXX XXXX Bank in XX/XX/XXXX. Since then II have not had a late payment. I have had the card since XX/XX/XXXX. I did not havehave a late payment prior to XX/XX/XXXX. They put this account in the " con-sidered negative '' category and refuse to remove it from that categoryuntil XX/XX/XXXX. .7 years of punishment for XXXX late payment. I contacted thebank and they said that they did not request the negative assessment. Icontacted the reporting agency and they refuse to adjust the time line. 
The punishment is onerous and unfair and I am unable to find a way toremove the negative connotation. I am not saying that I was not late thatone time -- I am not arguing about the validity of the " lateness '' but I amupset that I can not get the account re-classified. 7 years is way toolong to be punished for XXXX late payment.
Product: Credit card

IT WAS STOLEN, FRAUDULENT COLLECTION JEFFERSON CAPITAL, FRAUD ACCOUNT # XXXX
Product: Debt collection

AR RESOURCES INC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX told them account was not my no response was giving
Product: Money transfer, virtual currency, or money service

On the XXXX XX/XX/2022 I instructed my broker company to transfer my assets XXXX from my broker account at XXXX XXXX XXXX XXXX XXXX to my bank account at XXXX XXXX XXXX XXXX XXXX  XXXX. 
This international XXXX transfer was initiated with the reference XXXX ( XXXX  Reference Number XXXX, XXXX XXXX ) to BANK OF AMERICA , N.A XXXX XXXX XXXX  NY XXXX ( XXXX ). 
I never received that transfer since that day. 
The XXXX XXXX tracking shows the transfer is under review at intermediary Bank of America. 
I posted twice to BOFA email address XXXX both times enclosing documents proving my source of funds and the objectives of the transfer. 
I have had no feedback or any further requests or clarifications by BOFA. 
These funds are used for my own personal needs. The funds are being transferred between my personal accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent certified mail letters to Equifax, XX/XX/XXXX, and XX/XX/XXXX to remove a credit item from XX/XX/XXXX because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XX/XX/XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and XX/XX/XXXX% interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XX/XX/XXXXcontinues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX opens XX/XX/XXXX I was medically affected financially by XXXX I have sent proof which is medical documentation of what was going on. There is an FCRA law that is being violated please remove any delinquent payment as I faced financial hardship reduced hours and being forbidden to work when I came in contact of anyone with the virus as well as I was medically test Positive with the virus which caused other medical issues during this period which caused me not to be able to work which cause a reduction in my financial history starting XX/XX/XXXX up to XX/XX/XXXX medically XX/XX/XXXX to XX/XX/XXXX financial impact due to financial hardship due to reduction in business and hours at my job impacted as the law sates as following 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( F ) Reporting information during XXXX  pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX ( XXXX ) pandemic during the covered period. 

( XXXX ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel XXXX XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Credit card

I have a business credit card issued under my name for a company where I haven't been employed for over XXXX years. Since leaving the company, I've been trying to update the authorizing officer on the credit card with Chase. Despite numerous attempts and submitting the required paperwork multiple times, Chase has not made the necessary changes. 

Complicating the situation, I was advised by a Chase representative that I could close the credit card account and still be able to change the authorizing officer afterward. Trusting this information, I proceeded to close the account. However, I later discovered that this was incorrect, and now I find myself unable to update the authorizing officer due to the misinformation provided.
Product: Bank account or service

1. XXXX/XXXX/2016 : I wired money to a Citizens Bank account holder. The money was urgently needed. Mailing a check would be too slow. 
2. XXXX/XXXX/2016 : Citizens Bank acknowledged receipt of the money. The money is " lost ''. 
3. XX/XX/XXXX-XX/XX/2016 : Daily follow-up with Citizens Bank . Money is still " lost ''. 
4. XXXX/XXXX/2016 : Promised call from the Citizens Bank Office of the Chair by the end of the day was not received. 
5. XXXX/XXXX/2016 : Continue to be at an impass. The money is not available to me or the specified policy older. Citizens Bank is not willing to anything but continue looking. Day 8 and counting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.
Product: Debt collection

I recently obtained my credit reports from all three major credit bureaus, and I noticed that the information regarding the late payment on the aforementioned account is inconsistent among them. Both XXXX and XXXX have already updated their reporting to reflect the accurate status of the account, removing late payments. However, your bureau continues to report an inaccurate late payment. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 
CIG FINCL XXXX -Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I understand that credit reporting agencies are obligated to provide accurate and up-to-date information. Inconsistencies such as this can have a significant impact on my credit score and financial well-being. Given that the other two credit bureaus have already rectified this error and updated their reporting, I kindly request that you follow suit and correct the information on my credit report to accurately reflect the status of the account.
Product: Payday loan, title loan, personal loan, or advance loan

I have been receiving constant communications from this lender ( Via Text ) on different occasions ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), and most recently ( XX/XX/XXXX & TODAY -- see enclosed screenshots ). So, I applied online for a loan, and was IMMEDIATELY denied. I believe the reason why I was denied -- -due to the fact I filed a complaint against this SAME Company back in XXXX.
Product: Debt collection

On XX/XX/year>, I sent a formal request via XXXX tracking number XXXX to Midland Credit Management, located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MI XXXX, requesting validation of an alleged debt. I followed up with a second request on XX/XX/year>, via XXXX tracking number XXXX. To date, I have only received a letter from Midland Credit Management dated XX/XX/year>, stating that I have an obligation to resolve this, with the original creditor listed as XXXX XXXX XXXX ( XXXX  Account number XXXX ) for the amount of {$1400.00}. 
This response is insufficient and does not meet the legal standards required under Section 809 ( a ) of 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA mandates that debt collectors provide proper validation of the debt, including all necessary documentation to substantiate ownership of the debt. Specifically, I requested proof such as a copy of the original agreement with my signature or any documentation from the original creditor, such as a billing statement or account ledger. To date, no such documentation has been provided. 
Moreover, Midland Credit Management is not licensed to collect debts within XXXX XXXX, New York, where I reside, as confirmed by the XXXX XXXX Department of Consumer Affairs. This is a legal requirement for any debt collection activity in this jurisdiction. Their continued attempts to collect and report this debt to all three major credit bureaus without proper validation or the required XXXX XXXX licensure not only violate local laws but also federal laws, as they are attempting to collect debt across state lines. 
I respectfully request that the Department of Consumer Affairs take immediate action to address these violations. Specifically, I ask that you : XXXX. Enforce the removal of this illegitimate debt from all credit bureaus. 
XXXX. Hold Midland Credit Management accountable for their failure to comply with both FDCPA guidelines and XXXX XXXX licensing requirements. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to report accurate information. I have never paid my XXXX XXXX  account late EVER. I disputed this and nothing was done.
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 XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 


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.
Product: Debt collection

Midland Credit Management haven't respond and failed to provide requested information about the debt owed. It has been more than 30 days since my last letter sent to them. The debt is being reported to all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 
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 I request due to errors on account status and payment history the account be removed immediately from transunion, XXXX, and XXXX.
Product: Debt collection

Failed to implement adequate procedures to ensure the highest level of accuracy in the credit reports you publish. According to credit reporting laws, it is essential that bureaus only report credit information that is 100  % accurate, and all necessary measures should be taken to guarantee the complete accuracy and correctness of the reported information. 


Under 15 U.S.C. 1681i Paragraph ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general. 

XXXX XXXX FAILURE TO VALIDATE AND INVESTIGATE, PLEASE DELETE IMMEDIATELY 15 USC 1681s- ( 2 ) ( b ) - FAILURE TO REINVESTIGATE 11 CHARTER COMMUNICATIONS Please Delete Immediately
Product: Vehicle loan or lease

My air conditioner went out and I was told that I didn't have coverage. When I went to take the truck back.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection has been reported on credit profile by Collection Receivables INC, Account # : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX and XXXX have damaged me. 

The stupid methodologies used are outdated irrelevant and make no sense. 

I have worked very hard to make my credit report be as perfect as an imperfect person can. 

1. I understand what the credit report is supposed to do 2. I am competent in understand what is being relayed to me in my report 3. I understand that the three bureaus have XXXX XXXX that do not accurately relay timely information to the clients they get compensated from. 

With the being said I XXXX XXXX am telling the 3 Bureaus that the way they use the information and their formulas have unduly caused damage to me in my pursuit of obtaining my financial goals. 

I am a XXXX XXXX XXXX and have been actively engaged and participating since the age of XXXX. I am now XXXX  years of age. I have experienced my share of financial ups and downs. Not having anyone to loan me a {>= $1,000,000} to get me started I traveled on my journey as best I could. I must say I consider myself a SUCCESS STORY! 

In reviewing the XXXX INFORMATION the 3 Bureaus portray in my record I do not believe it accurately portrays my lifes financial story ACCURATELY! 

I do not want a canned response to my complaint. I want the Bureaus to explain line by line how each item is weighted. XXXX XXXX XXXX XXXX that are paid in full have more than just payment history to consider. Did they sell it outright or is it an asset they own outright now? Shouldn't that compute into credit worthiness? Just to say it was paid in full doesn't do much for making that determination.

XXXX. Closed accounts dont count in Aged Accounts Computation nor do Paid in full for Length of time of accounts XXXX. Why a debt that is 7 years old is allowed to reappear I.E Weight established for debt and amounts etc Overall I can use my specific case to designate each issue I have with the way and methodology used to establish a score. 

It's too much to try to get my issues resolved with canned responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting several student loans incorrectly and more than once. They show the following loans as " Paid was 120 '' when in fact I had submitted my deferral paperwork on time and had even called several times to follow up and was reassured that it was in process and that there would be no impact to my credit. Loans : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, These also transferred and are being handled by a different company. It is duplicated and incorrect.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have had a profound effect on my life, causing considerable stress and XXXX. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

Duplicate Account numbers, delinquent payments, account shows closed and discharged in XXXX  XXXX, incorrect open and close dates. I have 5 accounts with XXXX  XXXX and all of which are in good standing.
Product: Checking or savings account

Navy federal between XXXX Several overdraft fees Had to payback over {$2000.00} due to online banking fraud. Really upset about this. Can you imagine being XXXX  and find out your account been compromised and your banking institution doesnt have your best interest at heart. Frustrating and heartbreaking