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

I am writing to dispute the accuracy of several accounts on my credit report under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c-2 ) due to the widespread cybersecurity breaches affecting the U.S. government and other organizations. As a verified victim of XXXX XXXXk, a private citizen and various unconfirmed members of the Department of Government Efficiency breach of the Department of Education, According to public reporting XXXX XXXX XXXX XXXX XXXX a handful of XXXX engineers linked to XXXX companies, with unclear titles, could be bypassing regular security protocols during DOGEs infiltration of federal agencies. I am disputing the following accounts as inaccurate, unverifiable, or potentially fraudulent : DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF EDXXXX XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED/XXXX XXXXXXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i '' DEPT OF ED XXXX '' Data Breach Victim FCRA 1681c-2 + 1681i ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Have a fraud alert on my report I didnt put there. Cant log on to account. Cant call them. Everything is about money to talk to XXXX XXXX that dont speak XXXX
Product: Debt collection

I was XXXX XX/XX/XXXX to XX/XX/XXXX in XXXX, XXXX, XXXX XXXX and my military star card account have fraudulent charges from carpets, novelty merchandise, and jewelry I reported it to the PX manager and they replied : they will investigate the vendors from the base and they will take the necessary adjustment. I got home and there are no notes or complaint I made from the incidents. I took steps from my chain of command to complain everything but AAFES never consider investigating. They have taken multiple of my tax returns and still no avail of remedy. I have been the victim of fraud and still no solutions for the injustice. Can you please let me know how to resolve this difficult tragedy. I have no more income and only depending on my XXXX. Soon they will garnish it.
Product: Credit card or prepaid card

I paid my balance fully in XXXX of XXXX but the credit card now notifies me that I owe over {$200.00} and they keep adding late fee to this account. as I have informed them many times that I owe them nothing.
Product: Student loan

My loan balance does not seem to be going down at all and I 've been paying in it for almost 10 years now. The interest is ridiculous. I 'm a single mom, work full-time, did n't finish school, my fault because I got pregnant and ran into hard times. But I still do n't think I should be struggling to pay off this loan. They are making money off of me, that 's for sure. I understand everyone and businesses need to make money, but this is a little out of hand and ridiculous. It would be nice if they would wipe away my loan debt and use it as a charity write off .... please!     Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus dated XX/XX/2022 to update these inaccurate records. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXhas 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted XXXX XXXX  directly and they denied having pulled my credit report. Equifax however verbally verified that there was a hard inquiry from XXXX XXXX. I did not apply for credit nor give XXXX XXXX  consent to pull my credit. I am demanding that this hard inquiry be removed immediately.
Product: Credit reporting

Experian is not reporting all my Payment History information regarding an old credit card ( XXXX XXXX XXXX XXXX XXXX - XXXX ... ). This negative item has been in my credit report for more than 7 years, and due to lack of investigation from Experian, the item still in my report. I have submitted many disputes, but they still reporting inaccurate information ( payment history ). 
XXXX and XXXX are not reporting this account any longer because of the 7-year period. 
I submitted the last dispute to them one week ago, and they complete it in just two days. I believe they are not getting information from the credit card company. 
I need an advice of how can I handle this situation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is showing up inaccurate on my credit report and I don't appreciate my credit report showing fraudulently misinformation on my credit profile while its violating my regulation z acts.
Product: Credit reporting

Incorrect information on credit report. There appears to be no method to attempt correction for Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, 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 XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the XXXX FCRA XXXX ( XXXX U.S.C. XXXX ) you are required to remove/block any accounts or information not later than XXXX business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again.,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of fraudulent accounts on my credit report. These accounts were opened without my authorization, and I demand their immediate removal. 

The fraudulent accounts in question are as follows : 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 XXXXXXXX XXXX  These accounts are not mine, and I am a victim of identity theft. Enclosed with this letter, you will find a copy of my Federal Trade Commission ( FTC ) Identity Theft Report, which substantiates my claim, along with a copy of my government-issued identification and proof of address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and resolve disputes within XXXX days. I expect you to conduct a thorough investigation, remove these fraudulent accounts from my credit file, and send me a corrected credit report reflecting these changes. 

Failure to comply with this request will result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies. 

Please confirm receipt of this letter and provide updates on the status of your investigation. You may contact me at the email address or phone number listed above if you require additional information. 

Thank you for your prompt attention to this matter.
Product: Debt collection

I have submitted several debt validation and verification requests to Resurgent Capital Services over the past year. The most recent communication I have received from them was on XX/XX/XXXX that stated that they believe my request for debt validation was " submitted on a form supplied to you by a credit repair organization. '' And that they refuse to investigate it because it is " frivolous and irrelevant. '' On XX/XX/XXXX, the above stated company received a certified letter from me that was typed with my name printed in blue ink pen. As it has been 30 days since they have received my request and have yet to respond I would like to file a complaint.
Product: Credit card or prepaid card

I attempted to do a balance transfer from Citibank for approximately {$7000.00} it was never posted to the account and I am being billed for it. I contacted the company in attempt to dispute and they have failed to remedy the situation. XX/XX/2023 for a balance transfer and a fee was also charged on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I noticed I had fraudulent accounts on my on my report. Please remove these accounts from my report its hurting my ability to obtain credit.
Product: Debt collection

15 usc 1681 b ) DID I GIVE YOU PERMISSION TO FURNISH ITEMS ON MY CONSUMER REPORT!?!? NO 15 USC 1681e ( b ) & 1681i, Maximum Accuracy & Reinvestigations Do you not follow the law???? Under the law you cant contact me put this on my credit file
Product: Debt collection

PAID DEBT TO XXXX XXXX XXXX PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS. 
IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

CAPITAL ONE ACCOUNT # XXXX
Product: Mortgage

I am a long time customer with Freedom Mortgage, for the past 4 years I am trying without any success to refinance the existing mortgage and I am concern of the way the company handles private information like the SSN. 

Every time I receive a notice that I am eligible for streamline refinance or other type of lower rates I contact the XXXX and I proceed with the application ; however each time after 20 or 30 days the applications is closed and the reason is always the same " incomplete application ''. 

The agent who normally takes the application becomes unreachable after they take the application over the phone and after the initial documents are signed, after that step the agents can't longer be reach. 

My concern is what does the company do with all those signed documents and SSNs etc and why is when the rates are the lowest the company always closes the applications. 

When I contact the company no one can explain what happens, they don't take the time to review the files and they don't offer any solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX XXXX Illinois, XXXX Date : XX/XX/XXXX To XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX IA XXXX Subject : Complaint Regarding Inaccurate Reporting by XXXX XXXX XXXX, and Equifax Dear CFPB, I am filing a formal complaint regarding the inaccurate reporting on my credit report. The accounts in question are : XXXX Charge off CCB/MPRCC Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX DC Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

XXXX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

Collections XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX I believe this collection is reporting inaccurately. 

XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 

EQUIFAX XXXX off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 
Charge off XXXX Account # : XXXX Date Opened : XX/XX/XXXX The term that is being reported is reporting inaccurately. 

XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report. 
Under the FCRA, credit bureaus are obligated to take swift action upon receiving notice of inaccuracies due to identity theft. Non-compliance with these regulations may lead to significant penalties and legal repercussions.

I already filed an FTC Report, a police report, I called the bureaus, sent dispute letters, but still it is not removed from my report.

I hereby request a thorough investigation into these disputed items and prompt resolution of the inaccuracies. This entails removing all erroneous information, blocking any fraudulent accounts from reappearing on my credit report, and providing me with a revised credit report once the investigation is concluded. 

I look forward to your prompt response and action to resolve this issue on my credit report. 

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

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, Date XX/XX/XXXX. XXXX  XXXX Account # XXXX, Date XX/XX/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 an account without my written instructions. 

Date XXXXXXXX XXXX XXXX Account # XXXX Date XXXX XXXX XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XXXX XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX  XXXX Account # XXXX Date XX/XX/XXXX - XXXX XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures 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 when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts musth be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
1. Creditor Name : XXXX XXXX XXXX  Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX and noticed these inquires were on my account JXXXX 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

Aspire credit card has increased my " account maintenance fee '' to {$10.00} per month without informing me. They said they emailed me updated terms. I have not received any updated terms via email or mail. Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN NEED OF YOUR ASSISTANCE TO COMPEL SAGESTREAM TO COMPLY WITH THE FCRA AND THE STATE OF ILLINOIS LAWS ( THE STATE IN WHICH I RESIDE XXXX XXXX. XXXX XXXX. XXXX ). 

THIS WILL ASSURE ME THAT COMPANIES SUCH AS SAGESTREAM/XXXX WHO OPENLY ADMIT THAT THEY ARE RESELLERS OF CONSUMER REPORTS WHO SHARE OR GIVE OUT INFORMATION WITHOUT THE CONSUMERS AUTHORIZATION, BE STOPPED. 

I SENT A LETTER REQUESTING AN IMMEDIATE FREEZE BE PLACED ON MY SAGESTREAM REPORT. ( SEE EXHIBIT 1 LETTER ORIGINALLY SENT TO SAGESTREAM RETURNED OPENED ) ALSO ENCLOSED IN THE SAGESTREAM LETTER WAS MY SOCIAL SECURITY NUMBER, COPY OF DRIVERS LICENSE AND A COPY OF RECENT BILL FOR PROOF OF ADDRESS. 

SAGESTREAMS AGREGIOUS RESPONSE WAS TO DEFLECT BY RETURNING THE ENTIRE ENVELOPE UNOPENED. THEY FAILED TO INCLUDE A REASON FOR THE RETURN. THEY ALSO FAILED TO COMPLY WITH THE WELL SETTLED LAWS THAT WERE AFOREMENTIONED, BY PLACING A SECURITY FREEZE ON MY INFORMATION IN WHICH THEY HOLD. 

THEREFORE, I AM ASKING CFPB TO COMPEL SAGESTREAM TO IMMEDIATELY FOLLOW THE LAWS AND TO STOP VIOLATING MY RIGHTS, OUTLINED BOTH BY THE FCRA AND THE STATE OF ILLINOIS IN WHICH I RESIDE. 

PLEASE NOTE : SAGESTREAM AND XXXX HAVE SEPARATE EIN NUMBERS WHICH MEANS THEY BOTH HOLD SEPARATE INFORMATION AND SHOULD ADHERE TO A SECURITY FREEZE BASED ON EACH INDIVIDUAL COMPANIES ( XXXX XXXX ) DATA. 

THESE ENTITIES ( SAGESTREAMXXXX ) HAVE SEPERATE EIN NUMBERS, THEREFORE, THEY ARE BOTH SEPERATE ENTITIES AND ALL HOLD PERSONAL DATA WHICH BELONG TO ME.
Product: Credit reporting or other personal consumer reports

I am writing to submit an Identity Theft Report in connection with the fraudulent use of my personal information. I believe that my personal information has been compromised, and unauthorized accounts and transactions have been made in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agencies are reporting an account that do not belong to me on my credit file. I have disputed this account with them several times. I have also provided them with a FTC Identity Theft form and they still refused to remove this account from my credit file. Please assist me in getting this matter resolved. 

Fraud Account : XXXX XXXX/XXXX XXXX There are also unauthorized inquiries showing on my credit profile : 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 received a email alert from Capital one on XX/XX/17 for recurring charges. This alerted me right away to fraudulent charges. Once on phone with Capital one fraud department they informed me of other recurring charges for same amounts and ALL were unauthorized. There were a total of XXXX charges that were unauthorized by either myself or my husband. One of which was a " E-book for working out '', My husband doesn't even workout. All charges brought to my attention were NOT authorized. Capital one opened a investigation and returned with a response and letter dated XX/XX/XXXX telling us we were responsible for charges after their investigation. On XX/XX/XXXX I called and spoke with management in the fraud department and was told that because I paid my bill every month that they deemed these charges valid. This company offers fraud protection in its advertising and marketing. They did not return that to this customer for 100 % valid fraudulent charges. How you can deem someone responsible because they pay their bill on time every month is alarming. My spouse and I do very well and pay our bills without question until something arises that alerts us such as capital ones email did. I can see how it would be easy for criminal to charge small amounts monthly that end up adding up without notice until such as my case, was alerted. I find it unacceptable on capital ones part to offer fraud protection and then not follow through and deeming the customer responsible because they pay their bill on time. I want our monies back for reported fraud charges. Case # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My demand for settlement is linked to the damages caused by Equifax -- - i.e., denigrating my credit reputation based upon a false claim covered by theFair Credit Reporting Act 15 U.S.C. 1681et seq.holding the credit reporting companies ( CRCs ) liable for publishing false credit reports went they fail to conduct adequate due diligence. 

The false claim is based upon an unpaid loan account receivable that does not exist and a false declaration of default resulting in XXXX property foreclosures noted on my credit report and 2 bankruptcies filed to protect the interests of those properties that were wrongfully foreclosed upon. 

The slander on my credit reputation interfered with my ability to refinance or offer a refinance deal to claimants who were falsely claiming that they were owners of an underlying obligation due from me. 

This has resulted in years of ongoing litigation in which the claimants and their predecessors failed and refused to produce any evidence of the existence of the unpaid loan account receivable, any evidence of the existence of an unpaid underlying obligation due to them, and loss of quiet enjoyment of my property together with substantial personal and emotional distress damages arising from the continuing stress of dealing with false claims and false reports of default to credit agencies. 

Equifax had a duty to exercise due diligence as to the initial report because Equifax had adequate information to reject the claims. Equifax now has the additional duty to conduct an investigation to assess the claim. 

Equifax is only one of the credit reporting agencies that contributed to this situation, accepting fees and making credit reports that were false. 

My total demand is that all references to the claimed debt and any history of the debt be removed from Equifax, that Equifax notify any person who made inquiry during the period in question that the report was erroneous, and that I receive a total payment of XXXX XXXX part of which is owed by Equifax. 

Respectfully, Claimant
Product: Credit card or prepaid card

On XX/XX/2020, I noticed that my credit limit was decreased from {$17000.00} to {$7600.00} and the letter in my app with Chase advised too many revolving limits on your credit report. I have never been late on a payment and always pay more than my minimum and because of Covid I have used my cards more than usual. Since my credit limit has been decreased from {$17000.00} to {$7600.00} now my credit score will be impacted with a higher debt ratio and I think this is not right. My balance on this card is XXXX so now it will show I am utilizing almost 100 %. I was given no warning what so ever from Chase nor was I told that my credit limit can be decreased.
Product: Credit reporting or other personal consumer reports

Barclay 's Credit Card made and offer to settle a closed card and then did not honor it or report the payments. 
Instead, they applied it to interest owed and continued to report non-payment for years