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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Equifax Information Services LLC : XXXX XXXX XXXX, XXXX, GA XXXX **Complaint Details : ** XXXX. Complaint : ** Credit Reporting Fraud Alert Security Freeze 2. **Date of Incident : ** [ XX/XX/year> ] XXXX. **Description of the Complaint : ** I am writing to lodge a formal complaint against Equifax due to their failure to provide me with access to my credit report. On [ XX/XX/year> ], I attempted to access my credit report via the Equifax online portal, but I was denied access due to [ insert specific reason or error message ]. 

As a consumer, I am entitled to access my credit report under the Fair Credit Reporting Act ( FCRA ). Denying this access constitutes a violation of my rights. I have attached a screenshot of my attempts to access the report for your review. 

Due to this denial, I have faced difficulties including [ credit score, credit report and my security freeze.Theses difficulties i have encountered, such as problems applying for credit, increased stress, etc. ]. 

XXXX. **Resolution Sought : ** I request that the CFPB investigates this matter and takes appropriate action against Equifax for their non-compliance with the FCRA XXXX I would also like to receive confirmation of the actions taken regarding my complaint.
Product: Credit card or prepaid card

I have 3 credit cards with XXXX XXXX XXXX XXXX with excellent payment history. 

In XX/XX/2015, my father passed away and I had to take on a huge financial burden. I contacted Capital One at that time to inform them and see if I could get any assistance with my payments. I was informed that I qualified for a hardship program and even though I made payments, They were still reported as late to the credit bureaus. I contacted Capital One and tried to dispute through the credit bureaus, but only received letters stating that the actions were valid. 

I always pay my bills on time and this issue is preventing me from having a good credit score that I deserve. 

Any assistance with this matter would greatly be appreciated
Product: Debt collection

hi, my name is XXXX XXXX. i went to the XXXX XXXX XXXX in late 2015, i got treated and i gave them my heath insurance before i got discharged which is XXXX XXXX XXXX. that insurance covers 100 percent so i was n't suppose to get any bill. one year later i get surprise i have a collection, i called the collection agency to get to the bottom of it, and the explain it was a bill from XXXX  XXXX XXXX i explained to the i had heath insurance i was n't suppose to get any bill, they said they cant help i have to talk to the hospital and get paper to prove that. which i did i explained to situation to the hospital that there something wrong as the hospital bill was paid from my insurance the physician bill was suppose to be paid as well, and they need to fix it, and give me the paper to submit it to the collection agency. which they replied they cant even access my account to know why they did n't charge my insurance back then, they do n't even know if it was paid or not, because they cant access it anymore. i asked for a paper to give the collection that said that they said they cant give me that either. i disputed with XXXX and they already removed, but XXXX and XXXX did do anything about even with my many calls and dispute to get it removed. I 've been dealing with this for so many months thrown between the hospital, debt collectors, and credit bureaux and no one wan na fix this.
Product: Credit card or prepaid card

I have applied for many credit cards Through credit karma that offer guaranteed approval, Only to be denied via a credit check. I've also applied for debt relief personal loans personal loans pretty much all of the guaranteed indeed stress relief that they offer only to find out I just Damage to my credit score even worse. To be honest with you you can look at my applications I'm sure someone can find out I've been going through this with them for 10 years.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) complaint # : XXXX regarding an account reported by XXXX. 

In my complaint, I indicated that I was unaware of this debt and was not given an opportunity to dispute it, nor did I receive proper notification. XXXX responded, stating that they could not locate the account in their system, despite me providing all the account details from my credit report. 

As per the FCRA, if a creditor can not verify an account, it must be removed from the consumer 's credit report. However, as of XX/XX/year>, when I obtained a new credit report from XXXX, the account remains listed on my credit report.
Product: Credit reporting or other personal consumer reports

I have recently requested my SageStream consumer report several times online, several times via U.S. mail enclosing legible copies ( color printer printouts of high-resolution document photos or of corresponding documents on regular paper ) of my identity documents ( CA Driver License, SSN card, US Passport , XXXX  & E Bill ), and at least once via phone ( by speaking with a live agent ). See copies of my personal identity documents attached. 

Every time, I get a letter in the mail from XXXX stating that theyre either unable to process my request as theyre unable to locate information sufficiently matching my data, or that theyre unable to process my request as theyre unable to authenticate my identity. 

Ive gotten the following such letters recently, dated as follows : Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to locate information sufficiently matching my data Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity Date : XX/XX/year> Consumer Number : XXXX Case Number : XXXX Unable to process request Unable to authenticate my identity
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I called Discover Payment Protection, XX/XX/XXXX, to cancel the plan and get a full refund the fees as I am not aware nor do I remember enrolling in the plan. I talked to XXXX XXXX and she said I enrolled when I applied for the card on XX/XX/XXXX. However, I asked for proof of my enrollment and she said it was not possible as it was so far back. 

Upon calculating the Fees paid between XX/XX/XXXX, the payment protection fee total is {$400.00}. This fee does not include from XX/XX/XXXX. I asked to get the full amount back, but she stated something along the line of 'we ' believe we notify our customers enough about the payment protection fee and our policy only allows for 6 months refund. She first offered to refund me last months fee, but then later offered to refund 6 months totaling {$65.00}. I agreed to canceling the plan and refund of the 6 months. However, please refund me the FULL amount, including from XX/XX/XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested from XXXX accounts Resolutions exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was offfered forbearance plan by my lender loan care, I was informed over the phone snd by mail, email that I would not be charged fees or reported as late to credit bureaus. 
I continued to make payments and partial payments I submitted these bank records to XXXX and disputed the 7 -9 months late reporting as I never would have agreed to this if I had known they where dishonest in promising not to label me late if I entered into a forbearance plan now my credit score is ridiculous low because of this snd I cant qualify for a refi It is to there benefit that I am unable to obtain a lower interest rate than the 4.25 % I am locked in with them I feel deceived and frustrated and XXXX  is ignoring my bank statements showing I made payments into XXXX How can I legally take action? 
XXXX XXXX XXXX XXXX
Product: Debt collection

Account Name : TARGET/TD Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$0.00} Reason : Identity theft Please remove it from my Credit Report.
Product: Debt collection

In accordance with my rights under Section 1681s-2 of the Fair Credit Reporting Act, I formally request validation of the debt reported.

Section 1681s-2 mandates that furnishers of information must only report accurate and verifiable information to credit reporting agencies and are required to correct or remove any inaccuracies. Please provide documentation that validates the legitimacy of this debt, including a record of the original account, the current balance owed, and any relevant details that demonstrate my legal obligation to pay. If you are unable to provide adequate validation, I request that this debt be promptly removed from my credit report in compliance with FCRA guidelines.
Product: Vehicle loan or lease

During hurricane Ida, my car was flooded while parked on the streeXXXX. XXXX has been my insurance company and the claim was reported to them immediately. After inspecting the car, it was deemed a total loss. I received a notice of settlement from them. XXXX then towed away the vehicle and it it was subsequently sent to salvage. 

The vehicle was refinanced from Capital One Auto finance back in XXXX of 2021. During all this time, they DID NOT acquire the title from XXXX even after paying off the previous loan. I called XXXX who told me that they sent out a title on XX/XX/2021 to an address in XXXX XXXX XXXX Capital one says this was an incorrect address and they never received the title but certainly did not pursue this at the time. Now that the vehicle has been totaled, they are telling me to continue paying on a loan for a vehicle I do not even have. If this was a matter of days or a couple of weeks, I would not have an issue but in the State of NY it will take 45-60 days to perfect the title. Had Capital One gotten the title in XXXX, XXXX would have received it weeks ago and the loan would have been paid off.
Product: Mortgage

My mortgage is below 78 % loan to value. I have been making extra principal payments each month. I want to terminate my PMI payments. Wells Fargo states I still must make payments for a minimum of 5 years. 
Is this lawful? I have about 27 months remaining to reach the 5 year point. Seems excessive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is on my report never used that name nor do I know anyone with that name not me. Accounts have gotten removed from one reporting agency but is still listed on there with other agencies have been removed because wasn't my account. XXXX is on in collections for XXXX and should have a XXXX balance because the car was given back and sold by XXXXmy fico score should be way better than it is I'd the information was correct. My name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the slience XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. presume that no proof of the alleged debt, therefore any such debt, in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) XXXX  XXXX bal. {$220.00}, XXXX XXXX XXXX XXXX {$760.00}, XXXX XXXX  bal. {$630.00}, XXXX  XXXX XXXX XXXX BAL. {$370.00}, XXXX XXXX XXXX XXXX bal. {$190.00}, XXXX XXXX bal. {$1500.00}
Product: Credit reporting or other personal consumer reports

I was advised by a XXXX rep to fill out this report because of unauthorized inquires in my report, please remove all these Unauthorized inquiries on my report. 

Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Bank Name : XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

They would try to agressively collect money from me over the phone. I paid them all of the money I owed. They would n't work with the repayment arrangement and I have derogatory information on my credit report.
Product: Credit card or prepaid card

In XX/XX/2019, I purchased the a computer from XXXX, and they kept on delaying their shipping, due to numerous excuses, such as weather condition. After a long-time waiting, they suddenly claimed that they had delivered the package for me, although I did not receive any shipping information email from them. Since I never received any package, I had been contacting XXXX and the carrier for over 4 times, and all I got was they were trying to push the responsibility to each other. Then I disputed this transaction with my card issuer, and they called me on XX/XX/2019, indicating that they had received important information regarding to my dispute from XXXX, which was nothing but simply the delivery confirmation of my package, as the one I got from XXXX and the carrier before, and closed my case according, with nothing else they can do. Apparently, such result is totally unfair and unacceptable : 1. XXXX could simple send an empty package with a brick in, and claimed that it had been delivered.

2. I did not sign my package. According to the signature, it was signed by somebody else, but not me.

3. If the package was lost, it should be the seller, XXXX who need to take the responsibility to negotiate with their contacted carrier about the loss or their insurance company if they do have extra one otherwise.
Product: Debt collection

I turned in move out notice due to the landlord not fixing the a/c after multiple work orders submitted. After my move out notice, the landlord sent me a notice that indicates their a/c units will only cool XXXX degrees below the outside temperatures which in Texas would mean the a/c would never cool below XXXX degrees. I have XXXX and XXXX, and can not XXXX XXXX XXXX I would never rent a space that is detrimental to my health, so had they provided that notice prior to me renting the property I would not have signed a lease. Below is the notice received on XX/XX/XXXX, after I submitted my move out notice on XX/XX/XXXX : XXXX XXXX XXXX XXXX Fri, XX/XX/year> at XXXXXXXX XXXX Reply-To : XXXX XXXX XXXX  XXXX To : XXXX XXXX XXXX WHY YOUR AIR CONDITIONER WILL NOT COOL WELL WHEN THE TEMPERATURE IS HIGH These crazy hot temperatures not only put stress on your family, your pets and anyone working outside, it stresses out your air conditioning system too. 
It never fails, every year, as soon as we approach high temperatures, we are flooded with calls from residents that believe their systems are not working because they are not cooling like they are accustomed to, or they are not cooling down in the heat of the day. This is quite common especially for upstairs, or a lot of windows ( Sunroom ). 
The first thing you should know is that your system is typically not designed for high temps. XXXX systems are designed for an average temperature in your area. Your system is also designed to cool to a maximum of XXXX below the temperature outside. So, when we are having average temperatures, you should have no problem cooling to XXXX or XXXX if you like. However, when we approach high temps, you will be doing good to cool to XXXX. 
While it may seem as if your system is not working, it is doing all it can during extreme temperatures. Many people at this point will ask why systems are not designed for higher temperatures. The short answer is, you can not design a system to operate efficiently in the extremes and have it work well in the averages. So, we must sacrifice a few days of extreme temperatures to be comfortable the rest of the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is blocking any credit reporting under a new legal name. They reject all credit checks and credit reports for XXXX XXXX and insist on deadnaming me. I sent them a copy of my current drivers licence and name change decree. They continue to insist on illegally dead naming. They refuse to confirm identity with all creditors as well. Attempts to contact them were all blown off and ignored by Equifax
Product: Credit reporting or other personal consumer reports

The law states that it is illegal to report transaction history on my credit report please update. 

This is a violation of the Privacy Act of 1974 The law states its a violation per violation. 
You have reported my transaction history for over XXXX years I am willing to settle for {$5000.00} for the violation that were committed over the years. 

You have XXXX  reported my transaction history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am now opting of XXXX per 15 usc 1605 they are XXXX  adding and removing remarks on my credit file per 15 usc 1681 inaccurate reporting as they have no permission to shared my information accordingly to privacy act 1974 and credit report agency is in XXXX reporting transactions history. 

PLEASE UPDATE
Product: Credit card

This is a new card we just got. I made two purchased on the card for around {$800.00} and {$700.00}. We have multiple accounts, and we typically move money over every time we pay a bill as to avoid fraud which has happened to us in the past. I made the mistake of telling my wife to pay on our Discover card {$800.00} and I meant to say {$700.00}. We did n't realize this was a problem until we received a notification from our bank in the mail. The next day I contacted Discover to tell them what happened and to make a payment. The customer service was rude and unwilling to help me. They said they closed my account because they thought it was fraud, and this will hit our credit. I explained this was an honest mistake and because of fraud we typically only move the amount we are paying over to the account. I told her I can make the payment by phone that day, and asked why they never notified us to tell us the payment was declining or to tell us they are closing our account. We never received a phone call, or notification by mail or anything. I called them when I got the notice form our bank. I do n't understand this type of customer service. I already made the payment to them, but I am dissatisfied that no one was willing to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act AXXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am XXXX XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. I never had a contractual relationship with LVNV FUNDING LLC company I believe the original creditor XXXX XXXX sold my account without proper notification. This is clearly violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Product: Debt collection

I've requested that Portfolio Recovery Services please have XXXX XXXX verify the original debt they are collecting on. They also list that they opened the account with the bureau 's although I believe the account is older than 2020. They have yet to verify the debt I've requested.
Product: Mortgage

I was suppose to receive my overage checks through refinance and they did not make it to me. They mailed it to my physical address. We do n't have mail service here in XXXX XXXX, Ca., just XXXX. I 've contacted the mortgage co. several times and was supposed to have been reissued. Somehow they 've intercepted and cashed. I requested copies of the checks, received them and they 're not signatures. I faxed a letter to the research dept and requested reissues of the the checks. I 'm submitting a complaint because this has been over 2 months now of trying get my checks. ( XXXX to be exact ). Thank you.