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

i notified equifax about getting my free credit report and i was declined to get one. and i provided them all types of verifications to them about my idenity and i was still declined to get a free credit report. but at this moment i am having to go through alot of red tape just to get a free credit report. it is wrong or there may be some thing that is in my report that they don't want me to see or inaccurate information that is in my report that they don't want me to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CITI, XXXX XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and CITI, XXXX XXXX, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I checked
my credit report ( XXXX ) on XX/XX/XXXX and showed I had a collection account listed. It stated lender was 12 Buckeye Lending Solutions showing date opened XX/XX/XXXX with status updated XX/XX/XXXX. I did some research and realized the address and contact phone listed on credit report was too XXXX XXXX XXXX ( collection agency ). I disputed account with XXXX and their dispute process was very vague and have been trying to validate debt with actual signature as I have no idea what this account was. I was advised it was a payday loan from XX/XX/XXXX, which seemed odd it was just reported to credit report XX/XX/XXXX. I advised XXXX to have account removed from my credit report as it is hurting my score to obtain a new home mortgage and dropped my score 20+ points.
I also submitted complaint to BBB regarding this issue with no resolution provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate information on my Experian credit report. Despite my previous contact with Experian on XX/XX/XXXX, they have not responded to my concerns. I kindly request your assistance in addressing the following inaccuracies : MA XXXX OF XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The XXXX XXXX  OF XXXX account listed on my Experian credit report requires verification as your reporting of this information is incorrect. The XXXX of {$2000.00} reported by Experian is inaccurate, and I believe it should be a lower amount. Additionally, the XXXX XXXX amount should not be presented for this closed and charged-off account. I request Experian to mark this account as disputed while I work towards resolving my dispute with the creditor. Furthermore, I require Experian to verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX Account Date Opened : XX/XX/XXXX Balance : {$110.00} The XXXX account listed on my Experian credit report needs to be examined due to incorrect reporting. The XXXX of {$110.00} reported by Experian appears to be higher than the balance I remember. Since this account is listed as closed, the XXXX XXXX amount should not be provided. I believe it would be beneficial to address this misleading data directly with the creditor. I am determined to take immediate action, but I request Experian to report this account as disputed while I attempt to find a resolution. 

Inaccurate Evidence on MA XXXX OF XXXX Account Date Opened : XX/XX/XXXX Balance : {$2000.00} The inaccurate information provided by Experian regarding the MA BRD OF XXXX account is causing significant prejudice to my credit reputation. The reported XXXX of {$2000.00} does not correspond to the lower amount I remember. I request Experian to revise the XXXX XXXX information as it is not accurate to present a XXXX XXXX amount for a closed account that was charged-off. This account 's inaccurate reporting has likely negatively impacted my XXXX XXXX. Consequently, I need to reach an agreement with my creditor regarding the incorrect data. I request Experian to mark this account as disputed to prevent further negative impact on my XXXX XXXX. 

XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} The XXXX  account listed on my Experian credit report inaccurately shows a late payment. I request Experian to remove the late payment notation as this account was never late. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} The XXXX XXXX account listed on my Experian credit report requires correction/update as the information provided is inaccurate. I kindly request Experian to rectify this incorrect information. 

XXXX XXXX Account Account # : XXXX Date Opened : XX/XX/XXXX High Credit : {$14000.00} The XXXX XXXX account listed on my Experian credit report inaccurately shows a late payment. I request Experian to remove the late payment notation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a Bankruptcy  that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

Bankruptcy  Experian Reference # : XXXX Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted.

2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 

XXXX. Court Name : o Experian lists : US BKPT CT XXXX XXXXXXXX ( likely US BANKRUPTCY COURT XXXX XXXXXXXX is intended ). 
o The name appears truncated or misspelled. 
o XXXX : NONE 2. Date Filed/Reported Discrepancies : o Experian : XX/XX/2015 o XXXX : XX/XX/2015 o XXXX : XXXX o This inconsistency suggests the reported dates may be inaccurate or unverifiable. 
XXXX. Reference Numbers : o Experian Reference : XXXX o XXXX XXXX : XXXX o XXXX : NONE o The reference numbers are inconsistent between bureaus, raising doubt on the reliability of reporting. 
XXXX. Closing Date Missing for XXXX : XXXX XXXX does not display a Closing Date while Experian lists it as XX/XX/2015. 
XXXX. Dollar Amounts : o Both bureaus list {$XXXX} for Asset Amount, Liability, and Exempt Amount, which might suggest incomplete or unverifiable information. 
o If a bankruptcy  was filed and discharged, there should be values associated with assets and liabilities. 
XXXX. General Formatting Issues : o Some data is misaligned, such as Remarks not showing additional context.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) performed XXXX on my wife in XX/XX/XXXX. We paid cash for the outstanding amount on the day of XXXX. On XX/XX/XXXX, I received a bill from XXXX stating that we still owned {$230.00}. This amount was paid on XX/XX/XXXX and I have proof of this from my bank- they cashed the check. I got a letter on XX/XX/XXXX from Credit Systems International on behalf of XXXX for another {$150.00}. I called the collection company who said that they received the {$230.00}, but there was still the outstanding amount of {$150.00}. So, XXXX never communicated with us- they went straight to a debt collection company which is really inappropriate and insulting because it implies that we refused to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, DC XXXX DOB XXXX SS XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, account is reporting 30,60,90,120 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Checking or savings account

On XX/XX/XXXX, I sent an ACH payment of {$830.00}. While the transaction was pending, Chase decided to close my account and canceled the ACH payment of {$830.00}. They said because the account was closed, they would NOT honor the transaction and would send me a check for that amount since it was deducted from my account. 
I have called Chase more than 30 times, and they put me on hold every time and hung up after 30 -40 min on HOLD. They sent the check to my old address, which was sent back to them. They asked me to go to the branch and update my new address so they could send the check again. I did update my address, and they didn't send me the check until now.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence. I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law, and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update or delete them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items in my credit report that are not mine and I do not recognize. I feel I am a victim of identity theft. On my credit report there are the following items reported : 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 I have contacted XXXX and XXXX and Im also in the process of contacting each company.
Product: Credit card or prepaid card

received A credit card in the mail., I thought it was an offer so I dis regarded it. Then I received an invoice with a charge on it and like ummmm nope not me. I am trying to get out of debt, not incur more debt. When I called to discuss this XXXX, and follow the correct promts, no matter what time of day I have called, the recording always states that the olffice is closed and to try to call again later. I have also emailed them and have still not received a response the website is XXXX XXXX XXXX  I had to create an account in order to send them an email and this is what I wrote From : You Sent : Tuesday, XX/XX/2022, XXXX AM ( XXXX  ) To : Comenity Bank XXXX XXXX Fraud Message ID : XXXX I did not apply for this account and I have not made any purchases. Please contact me to discuss this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX from XXXXXXXX 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 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} 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 Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

I called US Bank customer service to remove an authorized user on XX/XX/2024, about a month ago. They told me the user would be removed in a few business days. However, I still see this user listed in my Authorized Users list on the website. This person, XXXX XXXX, does not want to do business with US Bank any longer, and asked me to remove her from the account.
Product: Debt collection

They called someone I know but Im not family with or friends with that person I dont even know how they got that persons number
Product: Debt collection

XX/XX/2020 XXXX  This is a duplicate account, I have reached out to the company and to its current debt collector.I have also made a dispute
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit report due to my being a victim of a data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 USC 1681c-2 ( a ) and FCRA XXXX ( b ), I am entitled to request this action for accounts resulting from fraudulent activity or unauthorized use of my information. 
Accounts to XXXX and Delete : XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$1200.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account XXXX : XXXX - Date Opened : XX/XX/XXXX - Balance : {$9500.00} XXXX. XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$2000.00} Inquiries to Block and Delete : XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : 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 accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish 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 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: Credit reporting or other personal consumer reports

After the pandemic, banks, and the main mortgage guarantors meaning FHA, RDA, the VA, as well as government mortgage companies XXXX XXXX and XXXX XXXX granted grace periods or offered mortgage relief options through my mortgage loan servicer in my state to their customers affected by COVID-19. 

I reviewed my consumer report and noticed that I had 3 late payments on a mortgage account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report accurately. 

Please investigate and provide proof with statements showing that these payments were late. If proof cant I demand these payments be updated to on time as they should be as I was never late. 
Thanks.
Product: Checking or savings account

A man called me and said he worked at Chase Bank. He said someone named XXXX XXXX from XXXX XXXX, XXXX was trying to take XXXX out of my checking account and did I approve that. I said no I didnt approve that. He asked me if I wanted him to help me get my money back. I said yes. He had me go on this wire application for chase bank and I thought he was wiring me my money back but instead he scammed me out of XXXX. He called me from chase bank phone number so I thought it was a legitimate call. Chase bank denied my claim to give me back my money because they said I initiated the transfer. I dont understand why they think I initiated the call when the guy called me from the banks phone number. He already had my debit card information. He even told me to get rid of the card because they were turning that card off and sending me a new card.
Product: Vehicle loan or lease

I was late with my payments and tried to talk to the representative with Ally Financial bank to see what I could do. They never got back to me, one day my car was just gone and when I tried to ask them if they repossessed it they wouldnt tell me until that following week on Thursday ( my car was gone on a Friday ) they then proceeded to tell me I had until that Tuesday to come grab my belongings out of the vehicle but wouldnt give me and address to come grab nor did they follow the law of giving me seven to ten business days to collect my belongings. I had no court order issued for them to come take my car. I am in the military so they have to follow the SCRA which they did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, tansunion, and equitable on many occasions in regards to my Bank of America account. All of them are showing a different story. XXXX is showing that I have not paid in over a year. I have been making payments of XXXX dollars since I was forced to. XXXX dollar charge does not Belong to myself. For XX/XX/2021 I have been file complaints with XXXX and the other two credit bureaus on many occasions. XXXX is not following through and investing at all. They come back and say the bank agrees that I never paid. I file a report stating there was a charge with serloq collection agency for XXXX nothing was done and also my payment history is not correct. I also made a phone call three weeks ago as well. This is putting a lot on me I have been fighting this for about 2 years
Product: Credit reporting or other personal consumer reports

My account with (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports