23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a serious issue regarding the accuracy of information on my credit report as provided by Equifax. Upon reviewing my credit report, I have discovered the presence of multiple inaccurately reported accounts, which have had a profoundly negative impact on my financial standing and overall creditworthiness. 

XXXX XXXX has the date last active different from the other XXXX bureaus. If the info comes from the same source how can they Be reported different? 

XXXX XXXX is being reported with the date last active different from the other XXXX bureaus. This cant be possible if the info is coming from the same source. 

XXXX XXXX XXXX XXXX  is reporting an inaccurate date last active. The other XXXX bureaus are reporting different dates so whos right. Both bureaus cant be right. 

XXXX XXXX is reporting date last active different then the other XXXX bureaus which again is inaccurate. How can XXXX be reporting different if the information comes from the same source. 

XXXX XXXX XXXX XXXX is reporting the date last active differently from the other XXXX bureaus, which has to be an accurate because they get the information from the same source. Theres XXXX different dates. 

XXXXCustomers date last active is different from the other XXXX bureaus so if the information is coming from the same source, how can they be reporting differently whos actually reporting correctly? 

XXXX XXXX is reporting date last active and accurately because its different from the other XXXX bureaus if the information is coming from the same source, theres no way it could be different. 

Equifax is reporting XXXX different accounts inaccurately, which is a violation on my rights I have attached screenshots of my credit report showing proof that every bureau is reporting different dates. Equifax claims to report accurate information, but clearly from the screenshots it shows the information being reported inaccurately.
Product: Credit card or prepaid card

I have a credit card with Bank of America that had a balance of {$640.00}. I logged into my user portal on XX/XX/2018 and chose to pay off the total in full ; with the same XXXX XXXX XXXX checking account that I had previously been paying the minimum of {$25.00} with automatically each month. 

When I checked two nights later, XX/XX/2018, my XXXX account showed two withdrawals by Bank of America of {$640.00}. This put my checking account balance into the negative at $ XXXX. 

I called first thing the next morning to get the situation corrected and spoke to a representative named XXXX. He offered to send a check of the full amount through the mail and said it would take 7-14 days to arrive, but being the end of the month and having no money, I informed him of my situation and of my upcoming bills. He then offered the faster method of depositing it back into my bank account and asked for my bank account and routing numbers that I would like the money deposited into and said it would take at most 3 business days. 

Subtracting the weekend, yesterday, XX/XX/2018, would have been 3 business days. When it didn't arrive today, XX/XX/2018, I went to my local branch at XXXX XXXX XXXX XXXX, XXXX, WA XXXX and spoke with a representative there. I informed her of my situation and informed her I couldn't wait any longer for my money. I have no cash and still the same negative amount in my checking account. She called into her company phone line to check on the status of the transaction and after speaking with someone told me that even though it was going back to my checking account, it would still take 7-14 business days to deposit into my checking account and was confused as to why the person I spoke to before would guarantee no more than 3 business days. She then told me if I had a checking account through them as well and had used that to pay off my credit card that it would be faster to get my refund, but that since it's an outside bank, there's nothing she could to speed up the process. 

When I asked if we could cancel the refund transaction and just give me the cash so I can deposit it into my checking account at XXXX she told me that was impossible and said my credit card has a cash advance option on it that I could use. I told her I don't want to have any more financial dealings with her bank and that {$200.00} cash advance would not pay  the bills, much less my food or gas for my car. 

I went in to my local XXXX branch on Saturday XX/XX/2018 to get inform them of the situation and they reversed the overdraft fee, but that was all they could do for me. I'm currently at a loss of what to do next and frustrated by the fact that they would be able to take money out of my checking account without my permission and within a day or two but can't return money from their mistake for two weeks.
Product: Money transfer, virtual currency, or money service

I have an account with Gemini Trust LLC trading platform. I have over {$1900.00} on the platform. I am unable to withdraw my funds because they have not verified my identity. I have been waiting over 6 months for the verification to be completed. Please help me. My name is XXXX XXXX and I can be contacted at XXXX.
Product: Mortgage

I was being considered for a home retention option and received a letter of acknowledgement from Shellpoint that all required documentation has been received as of XX/XX/2022 and was given foreclosure protection. I have attached all letter received attesting to this. I was notified today verbally that my request was denied due to a negative XXXX Test and that the foreclosure protection was removed and that they would not be providing a letter of denial as to the specific reason and that I am not afforded a right to appeal their decision should any information be incorrect due to proximity of the foreclosure sale date. I strongly believe that my rights are being compromised as under the XXXX Law I'm afforded to the right to review the denial reason and " Right to Appeal ''. I have spoken with several representatives with Shellpoint and they are refusing to provide a letter of decision and the right to appeal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAS COST A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGE THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVE OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute 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 outcome 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 Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute on XX/XX/XXXX and it was completed on XX/XX/XXXX, less than 30 days for a full investigation I found the wrong dates on a student loan account ( US DEPT. OF EDUCATIONXXXX XXXX ) and I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX. I have given ample time to resolve this problem, each dispute I provided proof it was wrong. It has not been fixed and it has not been removed. Now I have provided a letter directly from the reporting company and to the Transunion Credit Bureau that has listed as accurate more than 6 times. The letter clearly states the account was closed and transferred on XX/XX/XXXX and they keep reporting it is accurate by saying the account closed XX/XX/XXXX which does not meet FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is currently reporting a negative account XXXX XXXX XXXX. I have disputed this account three times. I have asked for validation of this debt and verification of the steps used to verify and validate this debt. Transunion has failed to provide me with this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was not even placed for collection until XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2018 I applied for a car loan with XXXX XXXX XXXX I specifically signed document not to share or make inquiries into my credit from any other financial institutions aside from XXXX credit! They made inquiries for over 30 days attempting to finance my purchase with over 12/14companies some companies twice for the same loan, I accumulated over 22 inquiries for one car loan application!! which I never gave written authorization or consent to do so I contacted the finance department at XXXX & they agreed to get those inquiries removed which they never happened. I was also told it would not affect my credit score because it would only count as on inquiry but it took more than 48 points from my credit score.I contacted all of the credit bureaus for assistance with no response or results.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector shall not communicate further with the consumer regarding that debt. 

" I recently reached out to OneMain Financial Services regarding a collection appearing on my credit report. They informed me that my account was closed. However, I've noticed that the reported dates keep changing, making it appear as though the account is still active. Despite being marked as opened in XX/XX/2019, it continues to be reported monthly, significantly impacting my credit score. '' this account is closed and no longer handled by one main financial.
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX ACCOUNT # XXXX, APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

An account has been showing up on my credit report that does not belong to me. I have been sending out disputes for this one account and nothing has been happening. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Checking or savings account

On XXXX XXXX XXXX, I XXXX XXXX made three XXXX purchases XXXX XXXX. ) XX/XX/2023 order number # XXXX XXXX items in the amount of {$26.00}. with taxes. XXXX. ) using my Cash-app card ending in XXXX XX/XX/2023, order number # XXXX, one item in the amount of {$12.00} with taxes. using my credit card ending in XXXX. XX/XX/2023, order number # XXXX two items in the amount of {$35.00} with taxes using my cash-app card ending in XXXX. XX/XX/2023, order number # XXXX XXXX items in the amount of {$120.00} with taxes using my cash-app debt card ending in XXXX. On XX/XX/2023 at XXXX CT, I received my Social Security deposits in the amount of {$960.00} and {$110.00}, totaling in the amount of {$1000.00}. yet, my cash-app card checking account reflects the amount of {$920.00}. Which indicates I am missing {$150.00} out of my deposits. Once I contacted Cash-app customer service regarding this issue, they stated it was a glitch on their end regarding my XX/XX/2023, purchases claiming that my order was not properly processed and that only {$120.00} was taken out to repay XXXX for the orders placed. However, XXXX stated that all orders I purchased was processed and approved and that there is no recent payments made to any of my XX/XX/2023, orders. I contacted Cash-app for the second time regarding this matter and yet they again stated that it was a glitch in their system and that the recent payment of {$150.00} will not show in XXXX system nor reflect on my account. However, a glitch means it will show up because the payments have to process successfully. I have strong reason to believe Cash-app has shadowed my account and purposely stole {$150.00} of my hard-earned money and now is trying to cover it up. Cash-app has several class action lawsuits against them for illegal financial practices. I want a full refund of {$150.00} returned to my account immediately.
Product: Checking or savings account

My account was hacked and was used to do an ACH transfer to XXXX
Product: Debt collection

On XX/XX/year> XXXX XXXX froze both my checking and savings accounts. I sent notice of exemption from garnishment on the same day. I receive public benefits, and per Minnesota Law, I am exempt from wage garnishment. I receive SNAP and XXXX XXXX, currently and prior to garnishment of my funds. Today, XX/XX/year>, XXXX XXXX combined the balance of my checking and savings, and issues a levy check to the Attorney representing the collections account, despite my sending all required proofs on XX/XX/year>. I filed a complaint with my state consumer protection, who directed me to this department to file an additional complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

law In accordance with the Fair Credit Reporting Act. 
This creditor as violated my rights under 15 USC 1681 Section 602, states I have the right to privacy. 15 USC 1681 604A Section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. 

These accounts listed below are furnishing complete inaccurate information. 

As per the request from your organization I am facilitating the account names of all the inaccuracies listed on my consumer report that needs to be removed under federal law : 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 Those account listed are reporting on my consumer report and I have no contractual agreement nor account with any of these companies and I request that these accounts be removed from my consumer report immediately.
Product: Credit card or prepaid card

My Costco Anywhere Visa, Citi Card was open on XX/XX/2020, with a credit limit of {$1200.00}. My balance last week was {$830.00}, and I paid {$700.00}. I discovered the weekend of XX/XX/XXXX that CITI lowered my credit limit to {$500.00}. See the explanation giving below. 
Critical Factor ( s ) Affecting Your FICO Score : Number of accounts with delinquency Missed and late payments, including the number of late payments, how late they were, and how recently they occurred, are essential to XXXX  Scores. Your score was impacted because your credit report shows one or more accounts with missed payments. '' I don't know what they are talking about, but if you can see on the account history I have attached, it's excellent. When people carry a balance, that is how they make money. I think they are doing this because the economy is terrible, and people live off their cards, not me. I have a job. And when they take action like this, it makes a situation worse.
Product: Credit card or prepaid card

Received letter from Midland Credit Mgmt dated XXXX XXXX stating " Choose the Option That Works for You. '' Do not know this card. Never applied. Totally XXXX since XX/XX/2018. 
XXXX XXXX Bank, XXXX account number on letter XXXX MCM account number XXXX Current balance {$620.00}
Product: Debt collection

I have received numerous calls from XXXX by a man who calls himself XXXX XXXX " director of premium receivables '' trying to collect a debt which I 've never had. This party claims to be calling from a law firm and threatens to sue me if I do n't pay a fictitious amount of funds. He knows my full name, address, last XXXX digits of my social security number. I am one hundred percent certain it 's a fraud. I feel extremely intimidated by this gentlemen for oblivious reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ,XXXX  XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 



To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : I had this service. 
What services I am being charged for. 
What the cost of each service I am being charged for. 
Furthermore, { XXXX XXXX } did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights XXXX I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 



I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section XXXX ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be validated with contract signed by me or removed immediately. 

Name of Account Account Number Validate : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX { dispute_explanation } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a XXXX Suppression to my credit file. 


Thank You, XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/2023 at approximately XXXXXXXX XXXX an unauthorized charge of {$63.00} was made to my account from XXXX California at a XXXX XXXX XXXX gas station. At about XXXX XXXX. the same day I called chime and let them know what happened and opened up a claim dispute. To my surprise about eight days later chime informed me that they were not going to reverse that transaction because there was no error found.
Product: Debt collection

I was emailed and called by Resurgent capital services indicating that had purchased an old account from a creditor XXXX XXXX XXXX  XXXX. for {$2200.00} I had sent proof of a cashiers check that the debt was paid off in XXXX. Yet they are still calling and sending emails to me. Need help to stop them