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

Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and Experian. XXXX shows the full account number as XXXX, while Experian shows only the first 5 digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, XXXX does not provide any information about the account type detail. XXXX and Experian both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for Experian. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by XXXX. XXXX and Experian both show the high credit as {$730.00}, while XXXX shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and Experian. XXXX shows the last reported date as XX/XX/, while Experian shows it as XX/XX/. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX  XXXX Balance : {$64.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX  XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ; XXXX XXXXXX/XX/2022.
Product: Credit reporting

Equifax is by far the most uncooperative company I 've ever had the ( dis ) pleasure of interacting with. Their website has an option to dispute items on your credit report but it never functions. I have, along with my mother and husband, attempted to use their website daily for weeks. It will ask verification questions that do not pertain to the person who is submitting the request and then rejects. We also attempted using the free annual method but same questions are asked and it rejects the request. This issue is misleading and can make consumers believe they are a victim of fraud when really Equifax is just making it impossible to access information to which we are legally entitled. Calling them has proved useless as well since they simply say sign up for the {$19.00} a month service and you can bypass the trouble. I should n't have to do that and it seems they are causing these road blocks to make a profit. XXXX and XXXX were perfectly functional and disputes were submitted without headache ... yet I still ca n't seem to get into Equifax. I ca n't even get the 90 day fraud request submitted as it gives the same error. They told me the only option is to print form upon form and mail it to them in XXXX along with every identifiable piece of my existence ( Birth Certificate, DL copy, SS Card, Rental Agreement, etc. ) which would be detrimental if intercepted!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified the three bureaus that I have been a victim of identity theft but they continue to report this account from XXXX XXXX XXXX and inquiries from companies that I have never applied to or received anything from. I don't understand how they can report this and this was all done " Fraudulently. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Product: Debt collection

XXXX cable provided service to me for years so the account is not in itself fraudluent. I ended up experiencing an event that resulted in significant damage to my personal property. XXXX system failure was determined the cause and XXXX at the time admitted to the issue and offered me dollar incentive as an apology and to re-sign a longer term agreement. Due to significant loss and disatisfaction with service I communicated my intent to discontinue service, they agreed at time to let me out of remaining contract and final billing was settled. 2 years after the termination of agreement and no communcation from XXXX XXXX XXXX called my cell phone in order to collect {$120.00} for the closed account. I notified convergent of the facts and asked them to mark the account as cease and desist and that the debt in question wasn't valid or owed ( XX/XX/2017 ). I called back a couple of weeks later to check up on the processing and was told still being researched. never heard a word since. Today I checked my credit report I doscivered this debt still being reported delinquent/owed and they still have not validated per my request. Please help me naviagte the removal of this invalid debt
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act, it is essential to ensure that consumer reporting agencies carry out their duties fairly, impartially, and with respect for consumer privacy rights. XXXX Equifax and XXXX, as consumer reporting agencies, are obligated to respect my privacy, as stated in 15 USC 6801. Furthermore, according to 15 USC 1681, these agencies must only furnish a consumer report based on the consumer 's written instructions, to which they do not have my consent. Additionally, 15 USC 6802 requires a financial institution to provide an explanation of how a consumer can exercise the nondisclosure option, which has not been provided to me. The agencies are also reporting adverse information without my permission, which is in violation of the law. Moreover, they are not maintaining reasonable procedures as required by 15 U.S. Code 1681e, and I am choosing to opt out of their reporting services, as allowed by 12 CFR 1016.7.
Product: Debt collection

Despite instructions from our daughter ( we're co-signers on her loan ) AND being told we were on the West Coast, XXXX called us at XXXX PST on XX/XX/XXXX. 

Then, despite my daughter working out a repayment plan, verified MULTIPLE times as " acceptable '', the systems at Sallie Mae continue to mark the loans as Past Due and send repeated harassing emails. XXXX just told me ( XXXX PST XX/XX/XXXX ) that " until the payment is processed, " the system '' will continue to send emails.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

It has been five years plus since 2012 that I have been trying to get my escrow back from XXXX when they sold my mortgage to XXXX which violated my consumer rights ( letter to Insurance company to change the Mortgagor to XXXX ). Attached is a copy of the check.
Product: Checking or savings account

For going on 4 months now Ive had roughly {$5800.00} in my checking/savings account with TD bank and it has been locked the entire time and I havent been able to access my funds yet but they can keep taking out the monthly service fees every month and when I go to the branch they say call when I call they say go to the branch its a joke and they refuse to allow me to close out my account with them to get my money that way this is ridiculous what gives them the right to withhold my funds from me and continue helping themselves to maintenance fees each month and keeping my money from me like this?
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 XXXX XXXX XXXX. 
Account name : # 1234, Account name : # 1234, Account name : # 1234, Account name : # 1234, 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 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 consciously avoids knowing that the cause to information is inaccurate.
Product: Mortgage

I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX HAS A XXXX ACCOUNT INCORRECTLY STATUS ON MY REPORT. THE OPEN DATES ARE MIXED UP, THE LAST REPORTED IS MIXED UP. ON XXXX THE COMMENTS SAYS ACCOUNT LEGALLY PAID OFF, XXXX SAYS SETTLEMENT ACCEPTED, XXXX SAYS PAYEMENT AFTER CHARGE OFF. WITH ALL THE ERRORS BY THE BUREAUS IT SEEMS AS INACCURATE INFORMATION IS BEING DISPLAYED AND WRONG INFORMATION IS BEING GIVEN TO ANY THAT REQUEST INFORMATION. THE CREDIT AGENCIES ARE IN VIOLATION AND IS NOT DOING THEIR JOB AS LISTED BY THE FCRA XXXX XXXX XXXX XXXXXXXX ACCT # XXXX IS REPORTING INCORRECTLY WITH EXPERIAN AND XXXX XXXX XXXX IS SHOWING CLOSED HOWEVER CURRENT AND STILL REPORTING NEGATIVELY AND THIS IS HURTING MY CREDIT SCORE. I NEED THE FOLLOWING ACCOUNT DELETED. ITS ALOT OF ERRORS AND THEIR IS NO ACCURACY ON TRUE OPEN DATES NOR LAST DATE ACTIVE .THE DATA IS COMPLETELY OFF WHICH INDICATE THIS CAR WAS SOLD TO A DEBT COLLECTION AGENCY AFTER I WAS NOT PROPERLY INFORMED REGARDING ABOUT THIS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT MY RIGHTS HAVE BEEN VIOLATED.

15 U.S.C. 1681 SECTION 604 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 XXXX XXXX ACCT XXXX XXXX HAS INACCURATE OPENED DATE, 2 DIFFERENT HIGH CREDIT AMOUNT, INACCURATE LAST REPORTED DATE
Product: Debt collection

National Credit systems was put on my credit report they are collecting for XXXX XXXXXXXX XXXX XXXX XXXX  they are saying I have balance of {$6600.00}. My Rent was paid by XXXX in full as they took payment for XX/XX/2021 through XX/XX/2021. I paid my rent on XX/XX/2021 on time on XXXX of the month. XX/XX/2021 I had XXXX XXXX and diagnosed with XXXX XXXXXXXX XXXX. I let management know that I would have to move out due to my condition the Manager XXXX  at the time said I would not be charged due to medical circumstances and not being able to work any longer due to my condition. In XXXX of 2021 National Credit systems contacted me with debt from the community I was living at saying I owed {$6600.00}. I explain my condition and that I can not be under any stress they said quote on quote It is not our fault you got sick and that regardless I need to pay the outstanding debt I explained my situation and was hung up on 4 times from XXXX the rep that was working on my file. I contacted the property as well to find out the manager XXXX is longer at that property. I explained my situation due to my condition this should of never went on my credit I am stressed and my credit has went from XXXX to XXXX and being harassed when I am ill. I requested an item list of charges never was received asked on XX/XX/XXXX and no one ever replied by law that they had 30 days or they have to take it off my account that was not done after I called again they emailed my on XX/XX/2021 well after my request. I have tried talking to the company no one will return my calls. Also emailed XX/XX/XXXX no response as of yet.
Product: Payday loan, title loan, or personal loan

I had not been informed of the 500 % interest rate on the loan, I was told there would be a {$270.00} finance charge, not {$3300.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This has to be illegal and they give me run around on the phone and calls keep getting disconnected
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 
Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another inquiry from XXXX XXXX XXXX XXXX a XXXX inquiry from XXXX XXXX, XXXX XXXX inquiry from XXXX XXXX XXXX XXXX a second inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DID NOT AUTHORIZE ANY OF THESE INQUIRIES XXXX
Product: Debt collection

After a detailed inspection of my recent credit report, I noticed multiple accounts that I believe are fraudulent and were added without my consent.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inconsistent reporting of the past due balance for a XXXX account Number : XXXX on my credit reports from XXXX and Experian. The past due balance is reported as {$8600.00} on my XXXX report and {$0.00} on my Experian report. This inconsistency raises serious concerns about the accuracy of the information being reported, in violation of the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, credit reporting agencies and data furnishers are required to ensure that all information reported is accurate and complete. Specifically : FCRA Section 623 ( a ) ( 1 ) : Data furnishers must provide accurate information to credit reporting agencies. Reporting conflicting past due balances for the same account violates this obligation.

FCRA Section 611 ( a ) ( 1 ) : Credit bureaus are required to conduct a reasonable investigation into disputes. Both XXXX and Experian have verified this information as accurate despite the clear discrepancy, failing to meet their statutory obligations. 
FCRA Section 605 ( a ) : Credit reports must not include misleading or incomplete information. 
These conflicting balances not only create confusion but also harm my creditworthiness by presenting inaccurate information to potential creditors. I have attempted to resolve this issue through direct disputes with XXXX and Experian, but neither has corrected the inconsistency or provided an adequate explanation. 

I request that the CFPB investigate the following : Why XXXX and Experian are reporting conflicting past due balances for the same XXXX account. 
Whether XXXX has failed to fulfill its responsibilities under FCRA Section 623 by providing inaccurate data to credit reporting agencies. 
Immediate removal of the XXXX account from my credit reports due to its inaccurate and misleading reporting. 
To support my claim, I am including the following documentation : Copies of my credit reports from XXXX and Experian highlighting the conflicting past due balances for the XXXX account. 
Any correspondence with XXXX, Experian, and XXXX regarding my prior disputes. 
I respectfully request your assistance in addressing this matter and ensuring that my credit reports reflect only accurate and consistent information. The harm caused by this discrepancy warrants immediate correction and removal of the XXXX account from my credit reports. 

Thank you for your attention to this issue. Please confirm receipt of this complaint and provide updates as your investigation progresses.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting a certificate of indebtedness that is reporting as income. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXXXXXX XXXX account number XXXX was received on XXXX XXXX. Transunion is inaccurate reporting income to my consumer report. I have attached my Driver 's license and utilities bill as personal identifying information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My mortgage was sold to another company ( XXXX XXXX ) for XXXX dollars. I have made over 12K in principal payments which Freedom Mortgage shows on my statements but kept the money instead of transferring it over to my new mortgage company. Per my freedom mortgage statement, my remaining principal should be {$340000.00}. My wife and I have contacted freedom mortgage and the new loan company several times and the new company says the fault is with Freedom. Freedom has been very unhelpful and has shown no interest in resolving this matter. I did get a response from Freedom Mortgage which I have attached in which the representative reviewed the issue and calls and says it will be corrected and also apologies for the behavior of some of the companies representatives with how they handled the issue but that was a while ago and still the issue persists. I have spoken to well over a dozen Freedom Mortgage representatives and supervisors who have not assisted at all and Freedom seems content on selling my mortgage and keeping the extra principal payments.
Product: Credit reporting or other personal consumer reports

I asked the credit agency XXXX, XXXX, and Equifax to remove bankruptcy onff my credit. They have not provided proof that this is me. 
I asked to erase names and addresses that are not mine.