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

Dear Credit Bureau, I received a copy of my credit report and i have found the following items listed below to be in error. These accounts are listed with late or missed payment and that is incorrect. the following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 or XX/XX/2023 ) on this Account Please Update the account as PAID/CURRENT. 

15 U.S. Code 6802 ( b ) ( B ) Afinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunless theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; 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.

This account has violated my rights.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter.

Please send an updated copy of my credit report reflecting the requested changes.

Thank you for your help in this matter.
Product: Credit reporting

I tried to download a copy of my free credit report from Equifax, but all the identity verification questions were about accounts that were not mine so I was refused access. ( I was able to download a copy of the report from another provider. ) I let Equifax know that there 's something wrong with their identity verification algorithm, and they sent me a copy of my credit report along with a request to call their toll-free number. I called it, and got a recorded message saying that no one is available at the moment, and to call back between XXXX and XXXX. It 's XXXX : last time I checked that was between XXXX and XXXX! 
Seriously, these people have important information which is used in making credit decisions, but they do n't appear to even be trying to do a good job of making sure it 's correct and accessible to consumers themselves. So frustrating.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, someone have my information and they are using my information to open credit cards accounts, I have requested to Experian, XXXX and XXXX to remove this faults information, pursuant to section 605B of the Fair Credit Reporting Act and they are refusing to remove base on a valid FTC, I am demanding that this information be block and remove from my credit report, because I have No knowledge who did this, the accounts they are refusing to remove is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX $ XXXX XXXX XXXX XX/XX/XXXX $ XXXXXXXX XXXX XXXX {$6500.00},
Product: Credit reporting or other personal consumer reports

Im not getting the right updates and information about my credit score activities, and alerts that I asked about credit wise Tell I downloaded XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and I noticed errors on my credit report. I reached out to the credit bureaus and the companies listed but I have not been able to get any help. I have been trying to get this issue solved for month after month but I have been completely ignored by all parties involved. There are several accounts reporting illegally to my credit profile. I am very upset about this matter and it is very damaging to my character and credit profile. I am very upset and I hope that you can be of assistance to me. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX are all reporting illegally to my credit profile and my rights under the FCRA have been violated. 

1.15 USC 6801 ( a ) Privacy Obligation Policy : I have the right to privacy.

2. 15USC 1681 ( q ) : Obtaining Information Under False Pretenses : My written consent was not given to have this information placed on my credit report. Therefore, since my written permission was not given ALL of this information was obtained under false pretenses.

3. 18 USC 1028 ( a ) : Aggravated Identity Theft : My written permission was not given therefore these accounts fall under identity theft.

4. 15 USC 1681 c-2 : Block of Information Resulting from Identity theft. 
All these accounts should be removed immediately because they are a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was aware of their security beach in XX/XX/XXXX. It is now XX/XX/XXXX and they only just made people aware of it. I was personally compromised in their data breach. It is ridiculous.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CREDIT COR, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that CREDIT COR has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for CREDIT COR to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CREDIT COR immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CREDIT COR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate with Equifax about their inaccurate reporting on a few of the accounts listed on my profile. The accounts just show letters and numbers. This does not show anything else about the company who is alleging I owe them a debt. Federal law states that it is the job of the consumer reporting agencies to provide the consumer with fair and accurate reports. How am I to know who my accuser is when Equifax will not provide the information I seek? This is unfair and inaccurate reporting.
Product: Credit card

I opened a claim to investigate charges made on XXXX without consent.Talked with bank multiple times requesting updates to investigation and case number. Bank did not provide updates to investigation. Investigation was closed and charges dealt to my account. 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 am contacting Experian as I have made several attempts to have XXXX XXXX Removed from the account. I have realized it is reporting as Closed-Charge off. Again, this company never issued validation of debt and their tactics were aggressive in the past. I now will be seeking damages with Experian as it is IN VIOLATION of my rights and the FCRA. It has been about 2+ years that I have told you all about this account and it has not been REMOVED!
Product: Credit reporting or other personal consumer reports

None of these accounts belong to me. delete it from credit. 

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 I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I placed an order with a catalogue sent to me from XXXX XXXX, XXXX XXXX took my order put it on a credit card and sent it to me with out my permission. I took the credit card cut it up, paid my {$87.00} balance sent the card back and asked king size to close the account. XXXX XXXX did the opposite they started to charge me late fees and other fees I tried to contact XXXX  XXXX  to advise customer service of my order incorrectly filled. I ordered two pares of socks for {$22.00}, I received one pare. My shipping was free however I was charged {$12.00}. 

This company send credit cards to citizens in an attempt to collect fees
Product: Money transfer, virtual currency, or money service

I sent crypto of usdc from my one crypto wallet to kraken crypto account on XX/XX/XXXX XXXX for {$170.00} usdc but the funds which were to come with minutes as per the website, dint show up even it was an hour, i mailed and escalated the complaint with kraken customer service but its been 2 days now still my funds are not available and they have been kept on hold, neither kraken  customer support has any contact number working to reach out nor their email replies are not any where related to why they kept the hold on my funds.
Product: Mortgage

I applied for and completed a refinance application for a 1.98 % APR refi on XX/XX/2021. All information was provided as requested by XXXX. 

On XX/XX/2021 after spending many hours scanning and uploading documents, I received the following message from XXXX. " Congratulations! You're conditionally approved. Now, we're just waiting on a few third-party documents to complete your file, then we'll start our final review. '' I was told by my agent XXXX XXXX that the loan was good to go if we rolled in a current car loan also. This would satisfy debt to income ratios per XXXX. 

Over the next month, I asked for but never received a final closing disclosure with the car loan incorporated. After repeated requests, still nothing. 

On XX/XX/2021 I was called by a manager and told that the original loan that I was told I could obtain was now not possible. 

Over 2 months from starting this process, interest rates have now gone up and I have lost an opportunity to save {$400.00} per month or ~ {$28000.00} over the term of my new loan. 

I will be looking into any legal action I can take due to the false statements and negligence of XXXX in order to recover the savings I would have realized had they followed through with their loan commitment. 

I have email correspondence to support my claims.
Product: Credit reporting or other personal consumer reports

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

XXXX has been and continues to report incorrect information on my credit report to all three credit reporting agencies. 

Since XXXX is still reporting on my activity they are responsible to fix my credit reports. As recent as XX/XX/XXXX. 

See my XXXX credit report document attached. 

If this is not a XXXX issue, why is XXXX still reporting on my credit reports ; as recent as XX/XX/XXXX. The loan was transferred to XXXX on XX/XX/XXXX. 

There are a minimum of 8 items that need to be corrected on my credit report, XXXX is responsible for everyone of these items. If they are not fixed XXXX and XXXX, XXXX, Equifax are violating the FCRA. 

Item XXXX ) XXXX  reporting of account numbers are not the same between the CRAs. 
Item XXXX ) The last date reported in XX/XX/XXXX on two and XX/XX/XXXX on Equifax, XXXX has been reporting in the last month. 
Item XXXX ) Balance owed is wrong between agencies. The loan was at a {$0.00} approved in XX/XX/XXXX by department of education. 
Item XXXX ) If XXXX transferred the loans to XXXX the close date would be XX/XX/XXXX and the dates of on the credit reports from XXXX are XX/XX/XXXX and XX/XX/XXXX. 
Item XXXX ) Account not in dispute? This account has obviously been in dispute for years. 
Item XXXX ) Payment Status is not the same across the board how can I pay as agreed in two CRAs and incorrectly late in another? 
Item XXXX ) Date of last payment is incorrect! My last payment was XX/XX/XXXX. See documentation. 
Item XXXX ) Two Year payment history incorrect. I was under the COVID-19 relief of payment per Department of Education and the CARES/HEROES Acts. No late payments since before XX/XX/XXXX. 

Fix my credit report asap!!! Since XXXX is still reporting on my activity they are responsible to fix my credit reports.
Product: Credit card or prepaid card

With Comenity Bank, I have both the XXXX  XXXX  XXXX  and XXXX XXXX. For my XXXX XXXX XXXX, I have been trying to make a payment since XX/XX/XXXX since my payment is due on the XXXX of each month and have not been able to log in. It stated the system was updated. Have checked every day and it states it is still being updated and it has now been going through a " planned system update '' that has been taking a long time now. I've called to make a payment by phone and no one answers either. I just want to make sure I don't get charged a late fee and have my credit score go down. When I call it states their offices are closed ... and now even my card is being declined. 

For my XXXX XXXX account, the same thing is happening. I can not log in, that payment is due on the XXXX and I can't seem to log in either.
Product: Debt collection

I talk to the collection company about a month ago and told them I file chapter XXXX bankruptcy and it was discharged on XX/XX/2018.  But they keep harassing me. My law also contact the collect company but they still continue to harass me and threaten me. The original company is check-n-go but it's in collection I don't know the name of the collection company. Here is their telephone number ( XXXX ) XXXX
Product: Debt collection

I cosigned for a signature line of credit for my husband at the time so he could start up a fishing guide business. He needed my credit to get the loan. When we got divorced the judge ordered him to pay that debt. It has been 5 years and he still has not paid it. It is continuing to hurt my credit and I recently received a 1099-c for this wanting me to claim it as income. The debt was never mine and I have the paperwork for the judge ordering him to pay it. I have submitted it to the bank, but they say I signed it so I would be responsible and it doesn't matter what a judge says. I also tried to contest it to the credit agencies, but that didn't help either.
Product: Credit reporting

XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX no contract no signature
Product: Credit reporting

I had requested a copy of my Lexis Nexis report as I was informed by my former employer of a security breach. I proceeded to opt out of Lexis Nexis databases as a precautionary measure recommended by my former employer. They also requested I freeze all my credit reports. I have been successfully freezing my credit report at XXXX. However, Lexis Nexis would n't freeze my file saying it is n't reqiuired in the state of Georgia. Lexis Nexis is a credit reporting agency as outlined by state of Georgia laws and the CFPB. In the report they sent to me included XXXX pages that clearly states Georgia residents have the right to freeze the credit reports.
Product: Debt collection

This XXXX XXXX collection agency is attempting to collect an alleged debt that is well past the Statute of Limitations for both credit reporting or legal action. The business can immediately cease and desist all communications. The Phoenix account number is : XXXX.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX XXXX continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

Experian and XXXX XXXX XXXX are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   ( ORIGINAL CREDITOR : XXXX XXXX XXXX )
Product: Money transfer, virtual currency, or money service

- Opened new chase checking account on XX/XX/year> -mobile deposited XXXX  XXXX XXXX  check in the amount of {$420.00} XXXXchase bank accepted/chashed the check on XX/XX/year> -I was notified via text message that {$100.00} was available to me right after chase bank accepted the check -I was also notified via text message that the remaining amount from the check would be available to me on XX/XX/year> XXXX XX/XX/year> chase bank unknowingly to me closed my account with the full amount of the check that was deposited. 
-scheduled in-person meeting at chase bank for XX/XX/year> and a new account was opened by the banker during the appointment. I was informed that a check was sent out to me on XX/XX/year> from chase bank in the amount of {$420.00}. 
-After waiting more than the 7-10 business days to receive the check from chase bank and still didnt received the payment thru USPS -After waiting another couple of weeks thinking it would show up in the mail soon. In the mean time I decided to schedule another in-person meeting with a banker for XXXX XXXX in hope of being able to walk out of the bank with a cashiers check or cash, but neither worked out in my favor once again. 
-chase bank customer service kept connecting me to a couple of different people that ultimately DIDNT help solve the issue and DIDNT provide me with any acceptable explanation to why or where my funds were at that moment. 
-longer story short I just dont know what more I can do in order to get my money from chase bank
Product: Credit reporting

XXXX XXXX Account reporting with a a balance of {$500.00}, a past due of {$330.00}. That information is incorrect, my balance is {$460.00} with a minimum balance of {$0.00} and monthly minimum payment of {$35.00}. I have attached a screenshot of my account as of XXXX/XXXX/2016. Both Transunion and XXXX have updated it however equifax claims that they have verified this false information. I have also attached the letter straight from XXXX XXXX. 

I would like the remarks " Dispute resolved ; customer disagrees '' for XXXX and XXXX because i no longer dispute or disagree also would like the " Dispute resolved ; reported by grantor '' by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Found BRCLYBANKDE hard inquiry on my credit report that I did not make and that is presented on my credit report, which is change my credit score immensely. I informed company of my concerns and requested that the hard inquiry be removed.
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. 

List of Unauthorized Inquiries : XXXX XXXX - 2023XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

i had fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done and that violates my rights as as consumer, i reached out to transunionon more than one occasion to advise of my credit being pulled with out my permission. the listed inquires were pulled with out my permission XXXX XXXX XX/XX/17, XX/XX/17 XXXX, XX/XX/17, XX/XX/17 XXXX XXXX XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XXXX XX/XX/17 XXXX/XXXX XX/XX/17 XXXX XXXX XXXX  XX/XX/17 XXXX XXXX XXXX XXXX XXXX   XXXX  XX/XX/17 XXXX XX/XX/17 XXXX XXXX XXXX XX/XX/17 XXXX XXXX
Product: Debt collection

The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work. 
They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did. 
They called me multiple times with out sending the validation letter acting very rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Td credit card co. Reported false info. To the credit bureau. They said I missed two months of payment which. I havent. I was late. On payment. And the women I spoke to at td indicated this shouldnt of happened. My. Credit score dropped almost 200 point. Please rectify this. ASAP thank you Im trying to refinance my home and this is really hindering me