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

- In XX/XX/XXXX, when I checked my U.S Bank Credit Card, my credit line was decreased to the lowest amount. I called them as soon as I realized and they said I had some debt that I need to pay for the car I bought which I have no idea what they were saying because I did not purchase a car or anything. I received some mails regarding car payments and I threw them away because I thought those were spam or junk mails. I believe this is a fraud by someone who stole my information.
Product: Credit reporting

My date of birth is incorrect in my credit report. It has my date of the birth year as XXXX and I was born in XXXX. Anything that happened or that is shown on my credit report is not my responsibility. Plese make these corrections to show correctly on all XXXX major credit bureaus.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$11000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a response from Equifax saying I may have been a victim of fraud. The date of the notice is X/XX/2017. I 'm making an attempt to upload a copy of my drivers license and social security card with my maiden name. I 'll try to send a copy of my marriage license, check stub. Each time I mail them information it 's lost or thrown away. I 've sent them this information several times, prior to contacting XXXX. I took a picture of my drivers license. It uploaded, it also showed removed. I do n't know what that mean. There was a number in the upload file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX XXXX will not update my credit report to reflect my credit lines and credit card accounts. 

I have attached the accounts, account numbers and credit line. None of these accounts have ever been late and by failing to update my records, it is having a negative effect on my FICO score. 

There is not reason for these updates to take so long.
Product: Credit card or prepaid card

American Express is refusing to provide the arbitration fees regarding the terms and conditions under the FAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Transunion credit ( Transunion file # XXXX ) report shows delinquency ( XXXX XXXX XXXX XXXX ) and I started a dispute on XX/XX/XXXX and sent them a proof from XXXX XXXX XXXX that I am not late ( USPS tracking # XXXX ). They finished a dispute on XX/XX/XXXX and I started another one on XX/XX/XXXX and sent them another proof from XXXX XXXX XXXX ( USPS tracking # XXXX ). I called them maybe 8 times and I talked on the phone. Despite of 2 proofs from XXXX XXXX XXXX still it shows a delinquency in my credit report and the problem is it doesnt have a Reporting Key. I attach all proofs and papers. Please you need to take into consideration that Transunion violates my rights and FCRA regulations. If it is not solved in a short time, I will take a legal action! Because nobody can play with my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and the following account and inquiries were added without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be blocked and permanently removed from my credit file. 
Fraudulent Account : XXXX - XXXX - XXXX - $ XXXX Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXXXXXX Act Name : XXXX XXXX XXXX XXXXXXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXXXXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on XXXX XXXX of XXXX to chase XXXX XXXX XXXX I was reported late XXXX XXXX I immediately made a payment once I realized I was reported late. I have never been late before this seems like a fraudulent late charge and negative reporting to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX- {$740.00}. 
XXXX XXXX : Acct # XXXX - First reported XX/XX/XXXX for XXXX {$730.00} ( charge off ) and XX/XX/XXXX, {$980.00} date of last report. 

XXXXXXXX XXXX XXXX XXXX  Acct # XXXX - Amount past due {$96000.00} XXXX XXXX XX/XX/XXXX past due XXXX. 

XXXX : Acct # XXXX - Date of 1st delinquency XXXX XXXX. Date 1st reported XX/XX/XXXX for {$1100.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date first reported XX/XX/XXXX - {$490.00}. Last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - {$540.00}. Date of delinquency XX/XX/XXXX. Date first reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  : Acct # XXXX - {$210.00}. Date of delinquency XX/XX/XXXX, Date closed XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$570.00}. Date of delinquency XX/XX/XXXX, date 1st reported XX/XX/XXXX, date last reported XX/XX/XXXX. 

XXXX XXXX XXXX : Acct # XXXX - Date of delinquency XX/XX/XXXX, date last reported update. 

XXXX XXXX XXXX XXXX : Acct # XXXX - {$250.00}, date of delinquency XX/XX/XXXX, Charge off, last reported XXXX XXXX XXXX 

XXXX XXXX XXXX  : Acct # XXXX - Date of 1st delinquency XX/XX/XXXX, date first reported XX/XX/XXXX, charge off {$540.00}, last date reported XX/XX/XXXX. 

XXXX XXXX : Acct # XXXX - date of delinquency XX/XX/XXXX charge off {$1800.00}. Date first reported XX/XX/XXXX, last date reported XX/XX/XXXX. 

These have violated my rights. 

15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 USCs-2 ( A ) ( 1 ) : A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'VE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR : MERCHANTS CREDIT TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I DID NOT PROVIDE MERCHANTS CREDIT OR THEIR CLIENT " XXXX XXXX XXXX '', WITH MY SOCIAL SECURITY NUMBER. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. 

IVE REQUESTED FOR TRANSUNION AND XXXX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK MERCHANTS CREDIT AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW.
Product: Credit card or prepaid card

This bank hates me each time I apply fir a credit card with them they decline me for stupid reasons which dont make sense recently I applied and was not instantly approved why did they do this to me when my credit has improved my debt to income ratio has gone down why cant they see that I wish XXXX he contacted by them
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year I've been trying to access my Equifax amount and it keeps saying it encounters a problem to call. I call and they say do the forgot user and password, I do Everytime and Everytime same thing, please call Equifax. I've been on hold countless hours, been hung up on, been transferred, told well I don't know what to tell you etc. I can't even dispute inaccurate info, see scores, amounts, nothing. I need to be able to verify the info as accurate. Please help XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) and the Fair Collection Practices Act committed by Great Lakes. 

After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I sent in a dispute into Equifax at the address of record ; XXXX. XXXX XXXX, XXXX, GA XXXX. The tracking number for this dispute is : XXXX. 
The letter was received on XX/XX/XXXX at XXXX and was signed by XXXX XXXX According to the F.C.R.A. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Equifax has 30 days respond to the dispute beginning on the day the letter is received. It is now XX/XX/XXXX and I have yet to receive a response from Equifax regarding the results of my dispute. I contacted Equifax at XXXX PST and originally spoke with XXXX XXXX , when I stated the nature of my call and demanded that the incorrect information be removed from my report based on the law as mandated by the FCRA XXXX the agent hung up on me at approximately XXXX PST. I immediately called back and spoke with another agent XXXX, ID # : XXXX. XXXX says that they did not receive my letter until XX/XX/XXXX. Which is factually inaccurate as I have proof that the letter was indeed delivered and signed for on XX/XX/XXXX at XXXX. She also specified that XXXX XXXX XXXX responded to them on XX/XX/XXXX - which is still more than 30 days after receipt of my letter. After getting nowhere with XXXX, I requested to speak to a supervisor. The supervisor XXXX ID # : XXXX regurgitated the same inaccurate information. When I recited a portion of the FCRA, he stated that Equifax has its own internal policies. In response, I asked if Equifax was violating the law. He replied that Equifax is following the law and refused to remove the disputed information. 

The letter that was sent was itemized. There were eight accounts in this dispute and they should be updated accordingly. 
XXXX XXXX XXXX XXXX - removed US Department of Education ( 4 accounts ) - removed XXXX XXXX XXXX - removed XXXX XXXX XXXX XXXX - late payments removed XXXX XXXX XXXX. - removed
Product: Student loan

I submitted my PSFL form for the determination of COVID criteria to MOHELA on XX/XX/XXXX. I never received confirmation of submission, so resubmitted on XX/XX/XXXX. 

MOHELA chose to CANCEL both PSLF  determination forms due to " duplicate submission '' but their online portal says they have been " Processed '' and notification of determination would be sent in 7-10 days. I have screen shots of the website to document this. I called after finding about the cancellation on XX/XX/XXXX - and they said they would reprocess the forms. It appears they chose to just CANCEL the whole process on XX/XX/XXXX. 

I was never notified of anything during this process. No phone call. No email. No letter. All of my contact information is up to date. 

I would like my on-time PSLF form to be honored and processed ASAP. It was submitted nearly 6 months ago and they have literally done nothing to honor this federal decision of which I followed all instructions. They have lied to me about the submission status and used their own processing mistakes as a means to drag this out.
Product: Debt collection

Paid dept on XX/XX/18. I have requested paid receipt x3, spoke with a XXXX at his office. Hospital charged my the same amount paid, apparently they did not get paid notice either!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau. Issue has been going on since XX/XX/2022. After a system wide error. My report went XXXX reporting everytime I log in to view my report. This issue is keeping me from obtaining credit with any institution that pulls Equifax. I have submitted multiple request to fix the issue. All call are routed to overseas. Only resolution is to get a report in the mail. I have over 830+ credit score and have been prohibited from obtaining credit because of this issue. I am demanding Equifax to fix their internal issues with my account so that it can reflex my actual information.
Product: Credit card or prepaid card

In XX/XX/2019 I purchased a refrigerator from Lowes. The total price was {$2800.00}. I charged {$2000.00} to my Lowes card, and the remaining {$820.00} to another credit card.

The {$2000.00} charged to my Lowes credit card was subject to special financing of 12 months, no finance charge. 

The refrigerator was scheduled to be delivered XX/XX/2019 On XX/XX/2019, I made my first installment payment of {$180.00}. 

On XX/XX/2019 I cancelled the purchase. 

However, instead of crediting my Lowes credit card for the entire amount of the cancelled purchase, {$2000.00}, I was only credited {$1800.00}. 

According to my last billing statement, I still have a balance of {$12.00} I am requesting to be credited the full amount that I originally charged to my Lowes card, {$2000.00}, and then to be issued a check for the credit balance that will be on my account
Product: Debt collection

In XXXX of XXXX, enhanced recovery company attempted to collect a debt on behalf of XXXX XXXX XXXX XXXX. This debt was posted on my XXXX and XXXX  credit reports. 
I was un sure where this debt came from, given the fact that I have not had any type of XXXX services for 10 years. I requested debt validation in XXXX of XXXX from Enhanced Recovery Company, to which they never responded. It has been a year and this debt that I am not responsible for remains in my credit file. This is not my debt and I would like it removed off my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, EMPLOYERS : XXXX XXXX ( NO JOB OF MI ) XXXX : # XXXX XXXX : # XXXX XXXX : # XXXX ADDRESS # XXXX XXXX XXXX XXXX PA. XXXX- THIS IS NOT MY ADRESS ADDRESS # XXXX XXXX XXXX XXXX  XXXX PA XXXX THIS IS NOT MY ADDRESS EMPLOYERS : XXXX XXXX ( NO JOB OF MINE ) EVER 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Payday loan, title loan, or personal loan

I paid all of it. Someone probably used my information and did not pay. Please delete from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing the following information items. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my dispute regarding inaccuracy in my credit report. This practice violates the fair credit reporting act ( FCRA ) 15.U.S.C 1681i which mandates a reasonable investigation of disputes. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). 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. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6600.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I disagree with with the account listed below which still appears on my credit report even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX  XXXX XXXX Account XXXX ). In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Student loan

Two problems : 1. My application for forgiveness of student loan was declined by Navient after I was told it would be accepted. The excuse given was that because one of my student loans was too old for the program, all of my consolidated student loans would not be forgiven. 
2. I was charged excessive fees by navient when I thought I had set my account for auto repair and their website did not work correctly. It was confusing, and I thought it was set up correctly.