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

Equifax did not take basic precautions when storing my personal and private information, and that information of 143 million others. Our private data had been exposed for nearly 4 months before the public was notified ( and it is criminal that the board knew within 20 days and made money of the process ), and to boot, Equifax 's site was not working correctly and was insecure when this was first information was first released. I have now had identity theft and am dealing with the aftermath of this breach ( and will for the rest of my life ), which is why I am submitting this formal complaint. This negligent behavior is vexatious and there needs to be a change with standard operating procedures with how credit cards are open and how identity is proven.
Product: Credit reporting

I have a hard credit inquiry on my credit from XXXX. I found out it is from XXXX. I never applied for a card and this is causing a negative effect on my credit. What do I do to have it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 i noticed that the phone number XXXX made the primary number to my account and had access to my ids and passwords. 
Dont know how i know i lost my driver licence and social secruity card dont know exactly what could of been done with. But i had to learn it the hard way still suffering from it. Please ban and catch the person behind the number XXXX. 
Especially on Experian credit bureau he made his phone primary also created an alert / freeze under that phone number
Product: Credit reporting, credit repair services, or other personal consumer reports

Its showing this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as open but it was part of Bankruptcy and should be closed and removed off my account. The see Court Petition attached below
Product: Debt collection

National Credit Systems Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX updated on XX/XX/XXXX I don't recognize the accounts in question. I have no outstanding balance with any company or creditors and didn't sign or authorize any accounts with this company. I'm a victim of identity theft and have been since XX/XX/XXXX. Police report # XXXX
Product: Student loan

On XX/XX/XXXX I mailed approximately 5-6 different checks to Navient to pay off all of my student loans. I had refinanced my house to do so. The checks were received and applied on XX/XX/XXXX. My XXXX XXXX XXXX loans were not paid off since it 's someone different. With me making all payments to Navient in the past I was under the impression that all the checks would be sent to the same place. Upon further investigation it was brought to my attention that they shorted one of the checks {$600.00}. Upon talking to Navient and they put the request in. One for sending the overage to the XXXX XXXX XXXX to pay them off, and the second one, to also apply the {$600.00} they shorted to my account. Since these request can take at least 12 days to go through my XXXX XXXX XXXX loans are going to continue to accrue interest with a late payment. I should have been receiving a check back from them in the amount of {$100.00}. I feel that Navient takes advantage of people and this mess up really is uncalled for taking 12 days minimum.
Product: Credit reporting

Back in XXXX I contacted Transunion, XXXX and XXXX and advised them that the there were excessive inquiries on my credit report that I knew nothing about and did not authorized, Fraud alert was put on my credit file and Transunion deleted XXXX of the inquires then they put them back on my credit file. XXXX deleted about XXXX of the inquiries and left XXXX on my credit file and XXXX also deleted XXXX of the inquiries and left XXXX on my credit file. My credit file had Fraud Alert and I am still showing new inquiries on my credit file from all XXXX credit Bureaus, which is Fraud. How can this be when I had my credit files documented with fraud alert regarding unauthorized inquiries and neither credit bureau can show me proof where I authorized or gave permission for my credit to be pulled.
Product: Mortgage

I have a mortgage on my Rental property with Rocket Mortgage - Quicken Loans. They called to say they have an opportunity for a lower APR. They have done this multiple times. The first time they evaluated my loan and said they actually could not improve my loan enough since it's on a rental property. I said fine and ended the process. They called me again the next month. I told them again it was already evaluated and they can't do anything. They called me again yesterday XX/XX/20. This time the agent who made the call I advised the same thing but without asking for my authorization he transferred me to a Loan Officer. I spoke with him and told him the same thing. I don't need to refinance and you can't do anything for me. He said okay. This morning I received a text saying I had scheduled an appointment with XXXX from ( XXXX ) XXXX for XXXX XXXX CST today. Now they are in violation and this is harassment and potential fraud. I called them this morning and spoke with XXXX. She was the escalation rep and said she will look into it and block my account from getting contacted in the future. I believe their practices need to be investigated so this does not become like the XXXX XXXX issue where they opened accounts without authorization. Transferring calls without authorization and scheduling meetings via text message without authorization should not happen.
Product: Credit reporting

I submitted a complaint on XXXX/XXXX/16, case number XXXX, regarding tax lien Case or ID # XXXX. A few days later Equifax responded that the tax lien has been removed and will mail me a conformation letter. 
I received the letter, which I have attached, and clearly states that the record is reporting correctly. I obtained my Equifax credit report the same day and sure enough the tax lien is still on there. I 'm asking, once again, that Equifax remove Case or ID # XXXX from my credit report as it has been withdrawn and should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I have contacted OneMain to send me a XXXX since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on XXXX. I have previously disputed with XXXX, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. XXXX is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with OneMain and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time I was sick again and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Product: Credit reporting or other personal consumer reports

Transunion has failed to respond to my dispute letter within 35 days. This is well over the mandated time limit set in place by the FCRA and CFPB. I sent out the letter certified mail on XX/XX/2024. It is now XX/XX/2024. I have not received any notification via mail nor online pertaining to the status of numerous disputed items. I did not provide any information to extend the dispute period nor generate a reinvestigation. However, even if I'd had, the clear and concise fact of the matter is this company failed to do any investigation on all of the disputed items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated 09/05/22 but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$91000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$240.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$210.00}
Product: Credit card or prepaid card

I made a payment from my debit card that is Capital One bank account as well on XX/XX/2022 for the amount of {$170.00} from my debit card linked to capital oNe bank account. It is capital One policy that they do not put hold on any Debit card payment. even-though this is also Capital One debit card and they were able to confirm the owner ship of this account with 360 checking account department, they still put it on 60 days hold. After numerous calls and filing complaint with CFPB, they reached out and apologized for the inconvenience and mistake and released the hold. Today my card was restricted again and they are asking me again for the proof of bank statement for the same payment that they have already verified and apologized for!! I asked to speak with the case owner who did that but they would not let me speak with me. I am leaving out of the country and this has caused me severe financial an d emotional distress. I strongly believe this can have discriminatory basis and will demand investigation and will also pursue legally.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I began having difficulty with XXXX XXXX XXXX XXXX and could not get help with service for my home television system provided by XXXXCountless service attempts failed and was without service for XXXX months plus.I finally encountered an honest technician who advised of a lawsuit with XXXX XXXX XXXX and that the company wasn't able to resolve the service issue I was having.The XXXX XXXX said it was the equipment was not compatible in some areas and systems.I called on XXXX cancel my account and was told a supervisor would have to approve my cancelation.Spoke to ( XXXX ) and she agreed to have Supervisor contact me, however I advised her I was cancelling as of XX/XX/XXXX. I never received any contact from XXXX, even after multiple calls to them. 
I went into storefront to speak to supervisor for help and he said on next statement it shows account cancelled. My bill for XX/XX/XXXX was XXXXThe supervisor said the cancelation amount was adjusted to {$220.00} and that he mailed me an new payment notice which i have and provided to all parties to resolve and close the account. 
On XX/XX/XXXX I mailed check XXXX ( XXXX ) to XXXX as final payment..I sought legal counsel and was advised that XXXX often delays cancelling to keep account charges ongoing. 
After providing the letter of dispute, multiple copies of documents, proof of payment, sending Certified letters to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX finally removed the derogatory and false claim of debt from my Credit Bureau on XX/XX/XXXX. Eventually my credit profile was reported correctly and the matter resolved and closed. 
On or about XX/XX/XXXX XXXX XXXX XXXX ( according to a phone representative ) sold files of personal consumer information to Southwest Credit Systems, and my resolved and closed file was reopened and yet again derogatory Credit information was wrongly reported to the Credit agencies causing a XXXX drop in my Credit score. This has to be against all laws of Credit fairness and Consumer Prtection laws. I need help in bringing this matter to someone's attention, as I'm sure there are other consumers plagued by these predators.. 
If any of the documents are needed, I am happy to provide copies ( 100 % ) of the certified letters and proof of payment to the CFPB. Additionally I am sending copies of files again to the reporting agencies along with a Consumer Statement to each agency.Any help to bring these tactics to a close for me is appreciated. 
THANK YOU, XXXX XXXX
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ) ( XXXX ) ( XX/XX/year> ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires consist of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( enter FTC report # here ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Experience predictory lending n Respa violation n filing a complaint for illegal foreclosure and acting as a third party debtor collector instead of lender/creditor. Need to verify if Bayview has consent order and register with MD commission finance office and in violation of FDPCA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report. According to my credit report, XXXX XXXX has listed certain accounts as charged off. However, I have concrete documentation proving that these loans are not in default, and this claim is false. This misinformation has caused undue harm to my credit score and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Ohio state laws. 

Details of the Disputed Accounts : Creditor : XXXX XXXX Account Number ( s ) : n/a Reported Status : Charged Off Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting an account as charged off when it has not defaulted constitutes false reporting, which is prohibited under this law. Moreover, Ohios consumer protection laws also mandate that creditors and credit bureaus must report information fairly and accurately, per Ohio Revised Code Section 1345.02, which prohibits unfair and deceptive practices. 

Additionally, in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the courts reinforced the obligation of credit reporting agencies to conduct reasonable investigations when a consumer disputes the accuracy of information. Reporting a charge-off inaccurately violates this precedent and further illustrates a failure to uphold proper investigative standards. 

To support my dispute, I have attached the following documents : 1. A copy of my credit report highlighting the inaccurate entry. 
2. Documentation proving that my XXXX XXXX loans are not in default. 
3. [ Any additional evidence, such as account statements or correspondence with XXXX XXXX. ] I request that [ Credit Bureau Name ] investigate this matter promptly and delete the inaccurate charge-off entries from my credit report. Failure to address and correct this issue may leave me no choice but to seek legal remedies under the FCRA and Ohio consumer protection laws. 

I appreciate your attention to this matter and expect a written response within 30 days, as required by the FCRA. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy on XX/XX/XXXX. All my credit card accounts and other loan account were current never late. After filing bankruptcy the accounts all show closed but they all show late after XXXX. i was never late on any account even before filing on XX/XX/XXXX I have asked and disputed the information and all i get is it is accurate. This is hurting my credit scores and is hurting my ability to improve my credit after bankruptcy. Experian is the only company that is showing this issue. I started my first dispute on XX/XX/XXXX. I also called experian multiple times. My credit score difference between the 3 reports is roughly 40 points lower with experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit reporting act ... XXXX XXXX XXXX acc # XXXX has violated my rights under 15USC 1681section 602a. the law states i have the right to privacy. and 15USC 1681 section 604a section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions. 


XXXX XXXX XXXX acc # XXXX
Product: Credit card or prepaid card

There are late fees on my account because I wasn't receiving my statements. 

When I first called about the statements I was told no late fees applied. 

My statement show there are fees. 

I tried to call them today the automated systems isn't recognizing prompts and saying try the call later and disconnecting the calls. 

I always p [ at in full to avoid fees
Product: Credit reporting or other personal consumer reports

I have issued a complaint to this company about inquiries and accounts on my consumer report and have not been contacted regarding these issues. It is now well over the 30 day limit and they are in violation. I also had some 3rd party debt collectors removed off of my consumer report and wondering why XXXX, who is also a 3rd party debt collector, does not have to abide by the law? And why is Experian not complying as well? This is two violations that I came name off the top of my head, but there are more, I'm sure. I feel oppressed and abused by a system that is supposed to be protecting me. WHY ARE THINGS NOT CHANGING?
Product: Credit reporting, credit repair services, or other personal consumer reports

There's 3 accounts on my report inwhich are not mines, nor do I know who added me to them. Please remove these accounts. 1 ) XXXX XXXX XXXX, ( 2 ) XXXX, ( 3 ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS Certified Mail ( tracking # XXXX ), requesting a reinvestigation of items on my credit report, specifically a bankruptcy. I included all necessary documentation to verify my identity and address, including a copy of my photo ID, social security card, and a recent bill with my current address. 
On XX/XX/year>, I received a response from TransUnion stating : '' We recently received a request that included your information, but it didnt appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' This response is troubling because, as outlined in the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed items when a consumer submits a dispute with sufficient identification. By refusing to process my dispute, TransUnion has failed to fulfill its legal obligation under the FCRA. 
Additionally, I mailed a separate dispute to XXXX on XX/XX/year> ( tracking # XXXX ), regarding the same bankruptcy. On XX/XX/year>, I received a response from XXXX confirming that they filed disputes with all three credit bureaus, but none of the bureaus had responded to their inquiries. This demonstrates that the bankruptcy reported by TransUnion is unverifiable, even by XXXX, which serves as their primary furnisher of public record information. 
I am including copies of the disputes sent to TransUnion and XXXX, as well as XXXX ' response, for your review.