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

My credit report and email have previously been hacked on numerous occasions. I should be getting monitoring free but its not working. Please assist with this issue. A statement is on my report from older issues but the more recent hacking where monitoring was offered to victims, i was excluded and unable to access. I try to monitor it but i am XXXX, so i keep it frozen but it doesn't prevent hacking. Anyway I applied, was approved and received 2 new cards. XXXX XXXX for XXXX $ and XXXX XXXX for XXXX XXXX The inquiries show and XXXX XXXX now appears but XXXX doesn't. I believe its a XXXX or bias against XXXX people. The cards were applied for simultaneously and inquiries show. They also appear online and are open. I am attaching screenshots. XXXX is my home bank. They also have credit monitoring and can supply the COMPLETE ACCURATE information directly. Balances on all accounts is always rolling behind. Its very stressful when I'm making double payments at times to pay off/down. My score should be higher. Im also sending the history. I was over XXXX. I still haven't missed any payments nor been late. Ive paid off accounts at times and my credit limit is higher on all accounts. It makes no sense that my score is below XXXX when my limit is higher with no lates. Also my XXXX is older than listed. XXXX bought out old company but account was already established for years since XXXX. With no lates. Also have a paid XXXX ( closed store ) and paid XXXX XXXX. ( Co sign, closed ). Its all in credit history not sure why research is not being done. Accuracy is important and investigations I've requested have been incomplete. Being XXXX and having XXXX stress is a trigger and i try to avoid it entirely. I shouldn't have to babysit reporting agencies nor should I feel like I'm being treated differently than XXXX  friends whose scores are higher with less credit history, less established and lates. Being in mtg industry and reviewing others credit its ridiculous to see the difference. Please assist
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. Please remove these inquiries immediately. 
I have already reported this to the FTC. 

XX/XX/XXXXXXXX OneMain XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect.
Product: Debt collection

I received a call today XX/XX/2022 at my place of employment from an IPM debt collector representative regarding a pay day loan. I never gave consent for this employer to contact me at my current place of work. The original loan was taken out when I worked for another company. I let the debt collector XXXX know that I would not be interested in communicating regarding the debt especially since they contacted me at my place of employment. She then threatened to notify my employer of the outstanding debt. The debt collector also notified my coworker who originally answered the phone that it was an attempt to collect a debt.
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the Reporting Agencies reported on my Acct : XXXX, late payments. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report is not included on the consumer reports yet they are reporting this information to my consumer reports.
Product: Debt collection

My identity is stolen around the time of XXXX and I was unaware of, and it was used in the state of XXXX  and the state of XXXX  and four different counties for various credit cards. I was not made aware of this until I started getting court summons and garnishments I have already been to court in the case was thrown out for fraud whom ever stole my identity went so far as to even changing my name with the credit bureau from XXXX XXXX XXXX to XXXX XXXX XXXX the second
Product: Debt collection

XXXX did not honor our contract agreement and sent me to collections without cause. They eventually sent a letter to Congressmanwoman XXXX XXXX office, but never contacted me. I have made several attempst to contact them but no response. Please not dates of documentation. I have had no gas for over a year and no heat. They sent me to collections and I want them to honor their agreement and remove me from collections and compensate me for all I have spent to keep warm. If they do not, I am filing a suet with my local court. Thank you. CR
Product: Credit reporting or other personal consumer reports

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called equifax on numerous occasions asking them to please allow me to be able to see my credit report. They havent updated my credit report with 3rd party reporting companies since 2018. Every time I call equifax they try to force me into signing up to see my report only through them. They also are telling me that its on the 3rd party reporting companies to update it which is false. I told them the error code that all the 3rd party companies are getting and all 5 of the representatives said that I would just have to sign up with them and thats the only solution. This is false and inaccurate information. I should be able to look up my accurate report or scores on any site that offer it such as XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  etc.. This has been very inconvenient to me. I will also try calling them back and this time I will get the reps name and badge number.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not removing files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge : Experian : XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX Balance Owed : {$5500.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance XXXX XXXX {$0.00} XXXX XXXX XXXX BalaXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I received an invoice from a business called Wakefield, telling me I owed money left from a loan under XXXX XXXX. I have never received a loan from, nor ever heard of a company named XXXX XXXX. Upon researching this company I have found that this is a scam between the two companies to try and get money out of people. When calling the company they wanted me to give them more personal information to verify the account, I refused and told them I would be turning it in as fraud. This company sends out invoices with smaller amounts hoping consumers will pay the amount and avoid the hassle of it all.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX XXXXXXXX XXXX is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). Reporting agency ( CRA ) is reporting inaccurate information on the listed account below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The credit reporting agency has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this account from my personal file ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing the following complaint because I am a victim of identity theft and also a victim of several data breach 's. I do not recognize these accounts, These accounts are a Fraud and must be deleted these accounts have resulted in several fraudulent inquiries and collections. I demand that these fraudulent accounts be deleted pursuant to my rights within the FAIR CREDIT REPORTING ACT, AND THE FAIR DEBT COLLECTION PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed discrepancies on my account last year and contacted the reporting agency. There is an account i've asked four times to be investigated. Even filed a CFPB complaint and they removed it but put it back on with updated spelling. I am disgusted. 

I sent a letter XXXX, XXXX, XXXX, XX/XX/2021, and XX/XX/2021. 

The charge off from XXXX XXXX  remains on my report and with conflicting reporting. I want it DELETED. 

The account number is missing, high credit amounts are different, date of last payment and active is different, payment history is different. If its the same account and they both investigated HOW is the accounts reporting differently.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later i have not recieved a repsonse yet. I feel like i'm being taken advantage of and being ignored of my disputes section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was impacted by the equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen at a Mall in XX/XX/XXXX and was never found and the thief has used my information numerous times!!!
Product: Credit reporting or other personal consumer reports

I was looking at my report and noticed that there were some things that is not correct. I sent a letter to Equifax on XX/XX/2024. Here is my tracking number. ( Compliant ID ) XXXX. It has been more than 30 days since the credit bureaus haven't responded. This is a violation of USC 1681i ( a ) ( 1 ) ( A ) Under USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ) if the completeness or accuracy of any item or information contained in a consumers file at a consumer 's reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, the agency shall, free of charge, conduct a reasonable reinvestigation to whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX  XXXX Balance Owed : {$340.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian for failing to comply with Metro 2 data reporting standards and the Fair Credit Reporting Act ( FCRA ). Despite previous assurances that inaccurate information would be removed, Experian has re-inserted erroneous accounts and has not properly investigated disputes or corrected unauthorized inquiries. This ongoing issue violates both the FCRA and Metro 2 standards governing the reporting of consumer information and handling of disputes.

Key Issues : Re-insertion of Erroneous Information ( Metro 2 Section 1.3.1 ) : On XX/XX/XXXX, Experian confirmed that an inaccurate account was deleted from my credit report following a dispute. However, this same erroneous account, along with a new collection, has been re-inserted without any new documentation or investigation to substantiate its accuracy. Metro 2 Section 1.3.1 prohibits the re-insertion of deleted information unless valid supporting documentation is provided by the furnisher, which Experian has not done. This is a clear violation of Metro 2 guidelines and the FCRA.

Failure to Fully Investigate Disputes ( Metro 2 Section 3.0.1 ) : I have filed disputes regarding several inaccurate entries, including unauthorized inquiries. Despite providing the necessary supporting documentation, Experian has failed to investigate these disputes in a timely and thorough manner as required by Metro 2 Section 3.0.1. Metro 2 mandates that all disputes be investigated and resolved with accurate information and proper validation, but Experian has not fulfilled this obligation.

Failure to Meet Timeliness Requirements ( Metro 2 Section 3.0.3 ) : Metro 2 Section 3.0.3 specifies that disputes must be resolved within 30 days. Experian has consistently failed to meet this deadline, prolonging the presence of inaccurate information on my credit report. This delay is in direct violation of Metro 2s timeliness requirements and the FCRA.

Failure to Ensure Accuracy of Reported Information ( Metro 2 Section 1.1.1 ) : According to Metro 2 Section 1.1.1, credit reporting agencies must report accurate and complete information. Experians failure to investigate disputes properly, re-insert deleted information, and leave erroneous entries unresolved violates this requirement and harms my credit standing. 

Request for Action : Immediate Deletion of Erroneous Information : I request that Experian immediately delete the re-inserted inaccurate account and collection from my credit report, as required by Metro 2 guidelines. 

XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ongoing Issues : I have been forced to file multiple formal complaints with the CFPB due to Experians failure to resolve these issues. Experians lack of compliance with Metro 2 guidelines and FCRA requirements has caused significant damage to my credit profile, and I respectfully ask that the CFPB intervene to ensure proper resolution.
Product: Credit reporting or other personal consumer reports

This following letter was sent to the 3 credit bureaus, Equifax, Experian, and Transunion on XX/XX/XXXX. 

Date : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Child Support Reference from Credit Report Dear Sir/Madam, I am writing to request the removal of the following child support references from my credit report, as they are both illegal and violate the Fair Credit Reporting Act ( FCRA ) : Creditor : Child Support Enforcement Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} Creditor : XXXX XXXX Reference # : XXXX Date Reported : XX/XX/XXXX Amount : {$12000.00} The reporting of child support obligations as debts on a credit report is illegal, as established by the court case XXXX XXXX XXXX XXXX XXXXXXXX XXXX. TransUnion LLC XXXX XXXX ( Case # XXXX ). In this case, the court ruled that child support can not be listed as a debt and should not negatively affect a person 's credit profile. 
Child support payments are not a credit-based obligation and should not be included in my credit file. I am invoking my rights under Section 611 of the FCRA to dispute these inaccuracies, and I request that you promptly remove the child support references.

Furthermore, Section 604 of the FCRA outlines that only information related to credit-based debts should be included in a consumer 's credit file. Child support obligations do not meet the criteria for a credit-based debt and thus can not be reported.Please provide me with a confirmation of the removal of these items and any further actions that are necessary. I anticipate your response within the FCRA 's required time frame. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unfortunately, I am a victim of identity theft. I have a XXXX account on my credit report that is reporting incorrect fraudulent information that is withholding me from seeking new lines of credit. I have disputed this alleged account with XXXX, XXXX, and Equifax on XXXXThe account is XXXX XXXX and it is not mine as I have been a victim of identity theft as the documents I have included in my disputes have clearly illustrated. According to Federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) that all fraudulent information and accounts must be removed from the credit report pending proper documentation. I have attached the proper documentation in which I had also sent to the credit bureau 's documenting my identity theft. I have sent all of the required documents to these bureau 's such as my FTC identity theft report, my XXXX XXXX police report, my drivers license, my social security card, a letter detailing my identity theft and past 2 years of residential history and more. All of the proper documentation is provided that is needed to prove my identity theft and that this account is not mine. Below I have attached the certified mail receipts documenting my communication with the credit bureau 's. I have attempted to remove this account directly with the bureau 's and they have chosen to let the account remain on my account. I don't understand how this account is being verified as accurate when I have provided everything required to support my claim. I am distressed because of this situation and feel as if my disputes are not being taken seriously.
Product: Credit card or prepaid card

On XX/XX/ i was charged a " cash equivalent transaction fee '' in the amount of XXXX after buying a purse online for XXXX via XXXX... .this was done on a bank of America credit card . I called today and spent 54 minutes on the phone with 2 representatives who told me it was processed as a cash advance despite the fact the checkout clearly showed a visa logo. The representatives told me they were unwilling to refund the fee and know that it was a mistake but sometimes it happens and it is the problem of the customer and they refused to refund the fee. If there is a visa logo it should be processed as a credit card same as anywhere else, I want this fee reversed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681a ( 2 ) ( A ) ( i ) No transactions can be reported on my consumer report. 

A payment is a transaction and reporting it violates the law. 

Please update the following accounts to paid on time - never late or remove them from my credit 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am trying to access my Nelnet account on the phone and on the website, and I can't log in or get ahold of anyone. I am not even sure if my payment is going through.