23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

This complaint is being filed against equifax. I have had my identity stolen and an account with XXXX XXXX credit card was established XXXX. I filed a police report and sent it to equifax requesting for the account to be blocked from my file in XXXX. They just disputed the account and did not honor my request to block the fraudulent account even though I sent all the necessary documents to have my request honored. I have spoken to their so called fraud department that is full of incompetent employees whom are all given scripts to read to customers and sound like robots. I submitted another dispute online recently but did not have the option to re upload my police report. I am requesting for this fraudulent account to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Negative Credit Report Marks in Light of Recent Data Breach Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding inaccurate and unfair negative marks on my credit report with the three major credit reporting agencies ( Equifax, XXXX, and XXXX ). I believe these marks may be related to or exacerbated by the recent data breach that compromised consumer data, leaving individuals vulnerable to identity theft and fraudulent activity. 

Background Information Recent Breach Impact : The recent breach affecting the credit bureaus exposed sensitive personal and financial information, putting millions of consumers, including myself, at risk of fraudulent activity and identity theft. This breach has likely contributed to the negative items now appearing on my credit report. 

Unwarranted Negative Marks : Upon reviewing my credit reports, I discovered the following negative marks that I strongly believe to be inaccurate or the result of unauthorized activity : Any charge offs, collections and incorrect information such as addresses or phone numbers. 

Harm to Creditworthiness : These negative marks have adversely impacted my credit score and have caused significant financial harm, including [ e.g., " denial of credit, '' " higher interest rates, '' " denial of housing opportunities '' ]. 

Actions Taken I have taken the following steps in an attempt to address this matter : Filed Disputes with Credit Bureaus : I contacted Equifax, XXXX XXXX XXXX  to dispute these inaccurate entries and requested that they provide validation of the debts or negative marks. 

Requested Supporting Documentation : I requested documentation from the creditors to validate the reported debts, but the information provided was either incomplete or absent. 

Despite my efforts, these negative marks remain on my credit reports, and the credit bureaus have not adequately addressed my concerns. 

Desired Resolution In light of the above, I am requesting the following : That the CFPB investigate the credit bureaus ' handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). 

That all negative marks related to unauthorized or fraudulent activity be removed from my credit reports immediately. 

That the credit bureaus provide a detailed explanation of their investigation process and furnish complete documentation validating the disputed entries. 

That additional protections be put in place for consumers affected by the breach to prevent further harm and ensure fair treatment in the resolution of credit disputes. 


I trust that the CFPB will investigate this matter thoroughly and take the necessary steps to ensure that my rights under the Fair Credit Reporting Act are protected. Please do not hesitate to contact me if additional information is required. 

Thank you for your time and attention to this urgent matter. I look forward to your response. 

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

TRANSUNION HAS PUT ONLINE COLLECTION IN MY ACCOUNT AGAIN THIS ACCOUNT WAS REMOVED I DO NOT HAVE A BALANCE WITH THTIS COMPANY OR AL OAN THEY HGAVE NOT SENT ME ANY INVOICE THAT IS LIGT THEY ARE LYING THEY SHOWED NO PROOF OF BURDEN AND WAS REMOVED MANY TIME BEFORE PLEASE STOP ALLOWING TRANSUNION TO PUT THIS IN MY CREDIT REPORT I AM ALSO DISPUTING THE BALANCE ON XXXX  AND XXXX PLEASE ASK THAT THEY REMOVE XXXX  ACCOUNT FROM MY REPORT THE BALANCE IS INACCURATE
Product: Checking or savings account

An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to you regarding an issue I am currently facing with Synchrony Bank and my XXXX XXXX account. I recently requested an investigation from all three credit bureaus, and they have all returned with the information that the account is accurate and verified. However, what they have reported is completely different from one another, leading me to believe that there may be some inconsistencies with the information being reported. 
I would like to express my concerns and frustrations about the conflicting information being reported by the credit bureaus. It seems that there may be some errors or inaccuracies in the information being provided, and I am unsure of how to proceed in rectifying the situation. I am hoping that you can assist me in resolving this issue. 
It is concerning to me that the credit bureaus are providing different information, which may negatively impact my credit score. 
I am requesting your assistance in investigating this issue and finding a resolution. I appreciate your attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

I received emails the last week of XX/XX/2023 saying that I had set up a Chime bank account, set up direct deposit under a band account number I do not recognize, and a XXXX XXXX XXXX  was opened and sent to my address. I assume this is a case of identity theft since I did not do this. I was able to close the Chime bank account, but I am now a victim of identity theft. I assume someone used my personal information to do this and want to report it.
Product: Credit reporting or other personal consumer reports

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - OBTAINING INFORMATION UNDER FALSE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Attempts to collect a debt not owed Written notification about a debt The company took or threatened to take negative or legal action The company filed incorrect information on the consumers credit report Regarding a fraud on my credit score for a debt collection and them harassing me requiring I go to court to pay them. Then a year later receiving the same bill from a different collection agency for the same XXXX card. After this had been taken to court. They said this is impossible. 
This would had to have been a fruad to keep re occurring on my report after they already sent legal into court, referring to the collection agency that harassed me for a year. While I was in the hospital. Sick for over a year. 

Is this even legal? They have really harassed me and my legal privacy. 

The collection agency that did this to me. Sending me to court. Didnt even have the right to do it. I called and she acted very suspicious on the phone stating its impossible that another collection agency reported on my credit report. 

There number is XXXX XXXX XXXX XXXX XXXX His name is XXXX XXXX. 
This is continued please read all.
Product: Student loan

On XX/XX/20 I received notice from Navient that my loan has been refinanced and I never requested or was contacted about any refinance. I have been asking them to provide proof and to give me a copy of any document that I signed and of course they keep stating they will mail them to me but I have never received them. I was paying extra on this loan and it was paid ahead and very little interest remained on the old loan and now my interest costs are significantly higher.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$32000.00}
Product: Vehicle loan or lease

I am writing to bring to your attention a matter concerning an application that was made by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The transaction was a consumer transaction for an automobile for family-related needs and household goods. Before giving them my personal information, I provided the manager with a SSA 89 Form, and I told him that according to 18 USC 1605 I would only consent to all interests, insurance and extended warranty to be added to the finance charge.

The manager claimed that my credit was denied, but according to the Equal Credit Opportunity Act, denying me my credit is discrimination and violation of Title 15 Subsection 1611. I asked the manager if I could speak to the underwriter and I was also denied speaking to them, because he claimed I would get sent a letter in the mail.

As the Original creditor/private investor I extended credits based on 12 CFR Section 215.3 for the verification of the information in the consumers application and determined that the consumer was credit worthy of the extended credits.

I am a victim of identity theft, because I gave XXXX XXXX XXXX  my SSN and they shared my personal information to a third party named XXXX XXXX XXXX, which I did not give any written consent to share such personal information. 

I was alerted by my credit reporting stating that I had XXXX hard inquiries, meaning that XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pulled funds/credits from my Direct Treasury Account XXXX ( See attached ) Pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance ; By not fully complying with the terms I extended the credits to the consumer based on the information in the credit application alone, they are fully in violation of the consumer rights. Therefore, they now hold civil liability for willful noncompliance.

Pursuant to 15 U.S. Code 1681o - Civil liability for negligent noncompliance ; Their negligent noncompliance by not extending the credits to the consumer is violating the rights that the consumer was granted by me as the original creditor/private investor, that was determined by the information in the credit application. 

Due to the denial of my credits, I am stating that I want to retract my application due to XXXX XXXX XXXXXXXX denying me a portion of my unlimited credit. The application was for all sum charges amount of the automobile. ( See attached description of the XXXX and total amount. )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian responded to my complaint on XX/XX/22 stating there isn't an inquiry on my consumer report from XXXX XXXX XXXX. I have attached a letter from XXXX stating Experian provided them with a copy of my consumer report. 15 USC 1681 ( a ) ( 4 ) states I have a right to privacy. Experian violated this right when they provided my consumer report to XXXX XXXX XXXX without my authorization. Furthermore, I have a freeze on my consumer report which means you violated 15 USC 1681c-1 when you provided my consumer report to XXXX XXXX XXXX XXXX XXXX negligence has caused me severe damage. 15 USC 1681o makes you liable for damages caused by your negligence. I am requesting monetary relief in the amount of {$3000.00}. I will escalate this matter if you fail to resolve it within 15 days of receiving this notice.
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

Below is the account that I am disputing : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

On XXXX/XXXX/XXXX at XXXX, I spoke with XXXX at Ocwen Servicing. We post dated a payment for XXXX/XXXX/XXXX in the amount of {$530.00} plus a {$19.00} fee. The confirmation # is XXXX. When I checked my bank balance this morning, XXXX/XXXX/XXXX ; both items have been subtracted from my checking account. At the cost of {$36.00} per item for overdraft fee, this is going to once again cost me several hundred dollars for the additional items I used my debit card over the weekend. The first time this happened in XXXX, XXXX, I swore I would not do it again. That is the reason my mortgage loan got in the shape it was in ( past due ). We set a repayment plan to help me get current. THIS IS MY HOME!! I want to keep it. Ocwen makes it hard for me to do that. I am going to the XXXX website at XXXX and request they somehow transfer my loan to another Servicing Company. I am tired of being afraid of losing my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX XXXX ( XXXX ) - ( XXXX ) XXXXXXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I was informed XXXX XXXX XXXX was removed from my report through Experian via copy website. I have disputed this item several times since it is not accurate and paid to original lender. However, when I tried multiple times to get updates from the original credit lender XXXX XXXX aka XXXX XXXX ( which both populate on my report ) they then sent to collection after years of being paid ; very weird company. My credit report pulled XX/XX/18 by XXXX-XXXX does not have this item on my report through Experian. This has also een resolved with XXXX and XXXX whom updated my report accurately. I have attached several documents through Experian website previously.
Product: Credit reporting or other personal consumer reports

It has been several months since my initial contact via mail and through CFPB, and regrettably, I have not received the anticipated resolution from your department regarding the misleading and inaccurate entries on my credit report. 

-- -- -TransUnion 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: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax credit bureau shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the XXXX and Equifax shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There is incorrect information on my report such as : My name, XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX fl XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Between XXXX and XXXX 2015 Barclaycard lowered my credit limit in what appears to be a discriminatory practice since no credit terms had been violated. I have no 30 day lates and terms were honored on my end as a consumer yet my credit limit was lowered. This unfair practice resulted in a more adverse credit utilization metric.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$1700.00}
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine 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. 

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