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

Today is XXXX-2017. I have been a victim of identity theft already. 
I am included in the Equifax security breach. I have tried unsuccessfully for days to talk to someone at Equifax. If I do get a person, they take the information and say I will get an email with a number for identification. I never get an email. I want to put a credit freeze on my account. If you go to the website and try to put in a credit freeze, it gives you an error message that 's says, we are sorry, we have run into a technical problem. Please try again later. If problem persists, contact customer support. When I call customer support, they either put you on hold for long periods of time and then hang up on you or they say due to the high number of calls, please try later. This has been going on now into the second week. Equifax needs to address these problems and assist the people that have been impacted by their data breech. I have been dealing with identity theft for 2 years now. I all ready have a fraud alert on all my accounts but I want to put a credit freeze on them. The impact of this breech needs to be dealt with in a timely manner. Stop hanging up on customers, stop giving them a time limit of when they should be getting an email that never comes, stop transferring the calls to someone else, stop sending them to a website that never accepts your personal information and just tells you there has been an error. I worked for XXXX XXXX in XXXX until retirement. They need to do their jobs and hire more people if required to, be more understanding of those of us who have all ready been dealing with our identity being stolen and get the job done. Equifax has failed in every aspect of its job.
Product: Credit reporting or other personal consumer reports

due to the inaccurate information on my credit report that TransUnion XXXX and XXXX is reporting I'm homeless and I am unable to get funding for school and business and I am requesting reimbursement I am a XXXX XXXX XXXX XXXX of total XXXX XXXX and I own a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am missing out on over XXXX in XXXX due to the inaccurate on my report and I am how dispute several times I have requested my check from the lawsuits shame investigation report error lawsuit reimbursement request due to the credit bureaus not taking significant steps in the investigation process resulting inclusion and incorrect information very important 15 usc 1681 e ( b ) 15 usc 1681 5-2 1. ( 5 ) 15 USC 1681c ( c ) I have sent disputes over XXXX times and wasted over XXXX on resources trying to fix this problem over a course of over 5 years and requesting reimbursement immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX/XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I received a copy of my most recent credit report and there are inquires from XXXX XXXX XXXX dated XX/XX/2023. I have never conducted business, applied for credit, or have an account with XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a {$21000.00} loan through prosper they had me preapproved but still had to go through the finalize as I was adding my bank account information. It redirected me to another page stating my account was suspended. Then they ran my credit report after I inquired, as to why my account was suspended and why they ran my credit. They told me that I was denied due to information on my credit Report. I then went onto their webpage and looked at their reviews, and they have done this to numerous consumers which I believe is wrong to do. I found this lender on XXXX XXXX, which told me I had an outstanding approval odd That was a lie as well. I feel like these companies should not be able to do this to Consumers have them jump through the hoops, then run their credit score and Then suspend their account without notifying them that they were denied.
Product: Mortgage

The mortgage company has PMI on the loan. I have reached my Loan to Value of 75 % and the mortgage company is looking to force my into paying for another appraisal. I already have a licensed appraisal
Product: Student loan

My monthly student loan payment went up over 3x ( from XXXX to XXXX ) with only normal statement notification. The reason for the increase is my failure to recertify my " Income Based Repayment '' payment plan. I was never alerted via XXXX mail about these changes - I was only given " paperless notification '' that was available via the servicer 's website. When I 've tried to call the servicer to discuss my situation, I have been put on hold for extended wait times ( one time over 30 minutes, and then this morning for 15 minutes ).
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my BRIDGECREST - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$24000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

I recently pulled my credit report and noticed numerous violations of the FCRA and numerous state and federal laws that protect consumers. I also understand that about 89 % of all credit reports contain inaccurate, misleading and unverifiable information on them. It has also come to my knowledge that systems used by the credit bureaus such as XXXX XXXX do not protect the consumer as well, they just allow some companies to verify a debt whether or not it is true. My credit file contains a public record/judgment that is NOT verifiable and does NOT belong to me. I have already made several attempts with this company ( Kimball Tirey & St. John ) to provide proof that this debt belongs to me, to no avail. It was also brought to my knowledge that the court houses do not report, nor verify this type of public record with any collection agency nor have they ever reported such information on any consumer. This is really disturbing to find out that the collections companies like this XXXX lie and falsify documents to credit agencies to make a quick buck. It is my knowledge that these violations are punishable in a court of law by {$1000.00} per violation. This does n't even include court fees, attorney fees and punitive damages that a consumer may seek to hold the company in violation of fraud for lying and falsifying these misleading documents. After contacting several different FCRA attorneys willing to seek these damages free of charge, I choose not to ( for now ) but would like to resolve this in a civil matter.
Product: Credit reporting or other personal consumer reports

There is an account on my credit profile that was created in fraud. I have asked the XXXX XXXX XXXX XXXX and all 3 credit reporting agencies to remove the account from my report at once. I have also asked to see the original contract with all wet signatures included. I asked for all of the signatures to be clear and legible. All 3 credit reporting agencies replied and stated they finished their investigation and replied that everything is valid without sending the information that I asked for. This account is fraudulent and should not be listed on any reporting that has to do with me or the social security number attached to me. Once again this false and inaccurate information is causing me to be denied for things that I need and is causing me a great deal of stress. My XXXX XXXXXXXX XXXX XXXX and causing me to miss days of work. There are multiple FCRA and FDCPA and UCC violations. 15 U.S.C 1681, 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( b ) ( 1 ), 15 U.S.C 1681li ( a ) ( 1 ) ( A ), 15 U.S.C 1692e ( 8 ), 15 U.S.C 1692d, UCC 9-210 , UCC 1-308, UCC 9-625.
Product: Credit card

I applied for a discover card to transfer XXXX balances from other cards. I was denied the card. At that time I was asked if I wanted a different card with a smaller credit limit. I agreed to a limit of {$2200.00}. I did not want to transfer any balances to that card and was not asked if I wanted to do that. However shortly after I recieved my card I was notified that they decided to do a transfer of a partial balance from my XXXX card ( which has a lower interest rate ) to the card they issued and added fees that maxed out the discover, ( all but {$47.00} ). I contacted them several times and told them I did not appreciate their bait and switch practices but I would pay off the balance at the higher interest rate then my XXXX card but they would have to cancel their predatory fees. They refused and now I am appealing to you for fairness. XXXX
Product: Student loan

My loans are currently in forbearance due to litigation surrounding the income driven repayment plans. It should be accruing zero interest. But they continue to charge me interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Advanced Resolution Services sent me a letter Log # XXXX File # XXXX. 
They said the opt out will be in affect for 5 years or until I notify otherwise. Then they say if I would like to turn the temporary into a permanent that I should send in a written request. 
I already sent them in a written request via their website. I used a digital signature and included my driver 's license, electric bill and picture of my social security card. 

It is a burden for them to send me this correspondence and ask me to do something I have already done. They need to put a permanent opt out on my file. I have requested that they complete a file disclosure and send me everything in my file. As a violation they have not done this in the 30 day request period. I told them I filed an identitytheft.gov report. They also know that the consumer is entitled to one file disclosure every 12 months yet they refuse to send the file disclosure to me. I would like to see if there are items I need to dispute. I never gave them consent to send my information to employers. 
I have a right to receive the contents of my file. I also have a right to ask them to delete everything in my file. I don't give ARS my consent to collect or share my data with anyone.
Product: Credit reporting or other personal consumer reports

There has been a mistake on my credit report in regards of the following accounts that are reporting under my report. I would like an active investigation to take place before pushing my letter to the side.
Product: Debt collection

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccurate and unfairly reported accounts on my TransUnion credit report. These accounts contain errors in reporting, unverifiable debts, and incorrect balances that are negatively affecting my credit score. 

XXXX. XXXX XXXX ( Charge-Off, Sold to Another Lender ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : This account is reported as charged-off, but it was sold to another lender, meaning XXXX XXXX should no longer report it as a charge-off.

Requested Action : Remove or correct the reporting to reflect the accurate status. 
XXXX. XXXX XXXX XXXX ( Auto Loan Charge-Off, Sold to Another Lender ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : This account was charged-off and sold, but I was not properly notified of the charge-off. It also contains incorrect balance information. 
Requested Action : Provide proof of the debt and correct or remove the account if it can not be verified. 
XXXX. XXXX XXXXXXXX XXXX ( Credit Card Charge-Off ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Issue : The balance history is inconsistent, and the charge-off reporting is unclear. The payment history suggests inconsistencies in late payments before the charge-off occurred. 
Requested Action : Remove or update the account with accurate payment history. 
XXXXXXXX XXXX XXXX ( Multiple Collection Agencies ) The following accounts have been sent to collection agencies, and I am requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ) : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$740.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) {$330.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) {$100.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) {$690.00} ( Opened : XX/XX/XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$100.00} ( Opened : XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) {$7400.00} ( Opened : XX/XX/XXXX ) For each of these collection accounts, I am requesting proper documentation proving ownership and accuracy of the debts. If the agencies can not validate these debts with the original signed agreement and a full breakdown of the balance, these accounts must be removed from my credit report immediately, as required under the Fair Credit Reporting Act ( FCRA ) and FDCPA.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at AMERIASSIST AR SOLUTION. I did not open or authorize this account, with this company or no other company they represent and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. Not only that being that this is a medical account and I do not recall giving permission to any provider at all allowing them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Also AMERIASSIST AR SOLUTIONS or the company the represent never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, I thought any reporting of a debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I have previously notified AMERIASSIST AR Solution that I am a victim of identity theft and to close this unauthorized account but they decided to ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX/XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed multiple inquiries on my report I do not recognize
Product: Credit reporting or other personal consumer reports

I have contacted Equifax a few times about the incorrect information listed on my report. Ive sent copies of identity theft reports and there isnt a way to upload this information on their site. Ive told them several times about this and that they keep reporting inaccurate information on my report that hasnt been removed. However Equifax is failing to abide by The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Equifax also keeps reporting an old address as a current address and I have called several times to correct this and they are constantly reporting incorrect items on my credit report. If this is not resolved as I have tried to resolve several times, I will be filling a lawsuit and getting an attorney involved due to equifax incompetence and unfair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE LISTED ACCOUNTS FROM MY CREDIT REPORT, THESE ACCOUNTS HAVE BEEN REPORTED IN ERROR ON MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a federal investigation. This practice violates the Fair Credit Report Act ( FCRA ) 15 U.S.C.1681i, which mandates a reasonable investigation disputes.Furthermore, Equifaxs actions may also contravene the consumer financial protection act 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB administrative proceeding ( file no.2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complied with federal law and provides consumers with the necessary proof of investigation.