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

I have been notified by Equifax of the data breach. Upon the link sent by Equifax it is confirmed I have been impacted by the Equifax Data Breach. As a result of this my personal information has been exposed which has resulted in inaccurate information reported. Equifax is reporting a Bankruptcy Case under my name which is inaccurate. This inaccurate reporting is a direct result of the Equifax Data Breach from information that belongs to someone else and is a result of fraud and errors from Equifax. Upon m check with Equifax it has been determined this breach has affected my personal information by this incident. I have filed my claim against Equifax but are now left to dealing with the inaccurate information reported on the behalf of Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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: Debt collection

3 debt collections companies have published debts onto my credit report made in my former name, with my ssn, the I did not make. 
XXXX XXXX , on behalf of XXXX XXXX from Texas. lease was XXXX XXXX, {$7300.00} XXXX XXXX, on behalf XXXXXXXX XXXX XXXX XXXX  XXXX in Texas. Lease was XXXX, {$7900.00} XXXX, on behalf of XXXX on XXXX in Texas. XXXX {$8200.00} My identity has been stolen, and used at these properties in XXXX
Product: Mortgage

I was notified by the XXXX County Tax Assessor-Collector that Dovenmuehle our mortgage co. failed to pay the following expenses from my escrow account : XXXX Property taxes of {$7700.00} ; now {$8300.00} because they are past due. 

I emailed XXXX XXXX XXXX ( attention tax department ) and attached the bill on XX/XX/XXXX when the matter 1st came to my attention. I also called Dovenmuehle re : the unpaid taxes on XX/XX/XXXX. I called again on XX/XX/XXXX and the representative told me the matter was to be resolved by XX/XX/XXXX. I called again on XX/XX/XXXX and spoke to XXXX because the taxes were still outstanding per the HCAD website. XXXX said the matter should have been resolved in 10 business days. I followed up again on XX/XX/XXXX as the HCAD website still showed the taxes unpaid, so I again called Dovenmuehle and sent another email to XXXX XXXX XXXX ( attention Tax and Escrow Departments ). It has been more than 30 BUSINESS days since I first contacted Dovenmuehle re : the unpaid XXXX taxes. I again called and emailed XXXX as well XXXX ( attention XXXX, Taxes and Escrow ) on XX/XX/XXXX because the taxes are still unpaid and Dovenmuehle has yet to provide any reasonable explanation for the delay. I also had an online chat with XXXX re : the matter on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN, 15 USC 1681s-2 STATES THAT A CONSUMER REPORTING AGENCY SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER IF THE CONSUMER KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE. I HAVE MULTIPLE ACCOUNTS THAT ARE INACCURATE ACCORDING TO TAX LAW 26 USC 61 SECTION XXXX STATES THAT DISCHARGE OF INDEBTEDNESS IS CONSIDERED TAXABLE GROSS INCOME PER THE IRS CLEARLY DEFINES A CHARGE- OFF AS GROSS OR ORDINARY INCOME AND INCOME DOES NOT GET REPORTED TO A CONSUMERS CREDIT REPORT, WHICH MAKES THIS INFORMATION INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR ALL NEGATIVE ACCOUNTS. ALSO, I HAVE NO KNOWLEDGE OF ANY OF THE INQUIRIES AND COLLECTION ACCOUNTS WHICH MAKED THIS INACCURATE! AS A RESULT I'D LIKE IMMEDIATE REMOVAL FOR THOSE ACCOUNTS AS WELL!
Product: Checking or savings account

In XXXX, my newly opened account with Navy Federal was restricted access because someone attempted to change my address multiple times. 

In XX/XX/XXXX, after placing a call to get my account unrestricted, I was told that I needed to send my identity and address verification documents to XXXX. For a month nothing happened. 

In XX/XX/XXXX, after calling the Navy Federal customer service center, I was again told to send my identity and address verification documents to XXXX. Two months went by and my account was still restricted. 

On XX/XX/XXXX, I again called the Navy Federal customer service center and expressed that I have not had access to my account for almost a year. The representative again told me to send my identity and address verification documents to XXXX. The representative waited on the phone until I received a confirmation email that the department had received the documents. The representative said give it a few days. After several days, my account was STILL restricted and I still had no access to it. 

On XX/XX/XXXX, I called the Navy Federal customer service call center again and this time asked to speak to a supervisor. The supervisor told me that unfortunately I was given the incorrect email and department each time I called for the last year and I should have been sending my documents to XXXX. The supervisor waited on the phone until I sent the documents to that email and he also reached out to the appeals department to ensure they received the documents and confirmed that they did. The supervisor advised me that it would take up to 14 business days to review the documents and un-restrict my account.

After a month went by, I called Navy Federal customer service again to check why my account was STILL restricted after doing everything and jumping through all the hoops. The Navy Federal rep said that the security appeals department was backed up and to give them another two weeks. I have called every 2 weeks since then and I get the same response- they received the documents and please give them another 2 weeks. It has now been 3 months since I sent my documents to XXXX and it has been a year since I have had access to my account. 

I just want to access and be able to use my account.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on 1STPROGRESSXXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am trying to clean up my credit report and have disputed over and over again with Experian that the items are not mine. and they still say was verified as accurate. How can they just come out and say verified as accurate without giving me any kind of documentation, so I had to investigate myself. I found that someone opened an account using my name and social, because what ever they bought had no payment made. and that the address used was a very old address and I do not live in XXXX XXXX. I have not lived there since XXXX. There is also a student loan. I'm XXXX XXXX XXXX I have not been to school since XXXX XXXX school in XXXX. If I made It a loan or a credit card then there should be some sort of payment on file. it also said that I lived in XXXX and went to some XXXX there. I moved from XXXX XXXX XXXX in XXXX then to XXXX from XXXX never been to the XXXX XXXX or the middle of the state. I'm filing a complaint because this is were it said that I should complain too, but I'm not holding my breath, you guys are just like all the rest of the government. " its against the law, its a civil matter, file a complaint what good will a complaint do, your not gon na make them take it down. If you don't have money nothing will happen but if your rich you guys make it go away. That's why I don't vote because your XXXX XXXX   liars. HAVE A NICE DAY. 

XXXX
Product: Student loan

On XX/XX/XXXX  I contacted Mohela to request a refund on my payments made during the XXXX pause. I was told this would be filed and I would receive the refund within 60 days. I called back a week later to confirm it was submitted, and was told that as my payments were made with XXXX prior to Mohela, my refund would take 60 days. As of XX/XX/XXXX  I have not received this refund. 

On XX/XX/ I submitted a written requested via Mohela for a payment history. On XX/XX/ I was told I would receive this information within 30 days. As of XX/XX/ I have not received this payment history document. 

On XX/XX/XXXX  I contacted Mohela to follow up about the status of the refund requested on XX/XX/XXXX  and I was told it is now 90 days, not 60 days for this refund request. During this call I also requested the status of my written payment history request from XX/XX/2023 and I was told this is now 60 days, not 30 days for this request. 

I have been given a different timeline each time I follow up about the status of my financial situation with Mohela. They are inconsistent with what information they are giving their consumers and this information should be transparent from the beginning, which it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX 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: Debt collection

Merchants Adj Service has willingly reported to the three credit bureaus a debt of {$91.00} XXXX XXXX XXXX XXXX. I never received a notice of right to dispute by mail from them at my Current address. I have contacted them several times demanding they remove the reporting and resend the file to my medical insurance provider as my claims are covered 100 % by either Medicare or Medicaid in the state of KY. They have ignored all attempts to comply to the FCRA on reporting and the FDCPA on the proper procedure of rights to disputing. I will continue to exercise my rights under the FCRA filing regularly under the CFPB portal including but not limited to litigation if deemed necessary.
Product: Credit reporting

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Equifax XXXX, GA XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX {$1100.00} XXXX {$110.00} {$1100.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX {$0.00} XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

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
Product: Debt collection

I signed up for XXXX XXXX XXXX at XXXX XXXX. I was able to complete XXXX classes online because the books were online. I was paying and was paying more than required to get the debt down quicker. It was time for the XXXX class and they had no books online, test questions but no books. I looked in their online library, no textbook there or books related to that class available. I called and asked about books, when they will be sent. " We don't have them. I don't know when we are getting them. Doesn't matter. You need to keep paying. '' No, I don't. I refuse to pay for services I am not getting, you are in breach of contract. Their reply, " Doesn't matter. You signed a contract, you will pay, you owe us money, finish paying. '' When am I getting books? You're not. I said to cancel me then. They said, " Good. Now you are canceled, you failed the contract, you still have to pay us and now we do not have to send you books and we still get paid. '' They sent me to some " higher up/supervisor '' who reiterated, you canceled, we don't have to send you a thing, you will keep paying us or we will destroy your credit. I turned this over to my bank, reported fraud, turned off my debit card and got a new one. When XXXXXXXX XXXX  researched it, they discovered what I did - no physical address, no books, no campus, no school. My money was refunded in full. Now, I have this collection notice. I don't owe them a XXXX because they are not real. See the attachment. They keep changing addresses, posting fake ones. This school is scam/fraud and needs to be shut down to prevent others from losing their money or paying out of fear when none of it is real. 

Will not allow me to download a file - the address that comes up on XXXX XXXX in XXXX, PA is a XXXX XXXX XXXX XXXX XXXX, a bakery, an apartment complex, a XXXX XXXX, and a XXXX XXXX. Another address used was XXXX, AZ, at which point the occupants of the building did not include XXXX XXXX. They had a realtor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Then, they used XXXX XXXX in XXXX, AZ and that was a post office, which is no shock since they need a place to collect checks from people still paying this bill. When you blow up the picture on your screen, the address has a XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX, XXXX XXXX XXXX None of that is a university, college or school.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX, Transunion, and XXXX on XX/XX/2022 in regard to late payments being reported on XXXX 2022 by " XXXX '' and XXXX and XX/XX/ 2022 from XXXX and XXXX XXXX. Due to the Heroes ACT ( Section 110401 ) these late payments were violating my rights due to reporting late payments on my report during the pandemic time period. I advised in the letter i sent that they were violating my rights due to 15USC 1681a ( 2 ) ( A ) ( i ) in the exclusions from a consumer report section which say solely to transactions or experiences between the consumer and the person making the report. This has been a huge detriment to my life and needs to be rectified immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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

My name is XXXX XXXX, XXXX, in XX/XX/2017, I victim of identity theft for the incident of the Data breach by XXXX, and Also I had insurance I was getting it the XXXX XXXX XXXX  by XXXX I reported with the XXXX XXXXXXXX XXXX and the haven't dont nothing to pay my all the problems and fix my credit and I sent all the documents that XXXX request me and now they say they didn't receive it but I have the proof that. They signed and the dont want to fix the problem van you tell me what can I do about it please
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX REPORTED LATE PAYMENTS FROM ME IN XXXX, XXXX XXXX AND OF XXXX I ATTEMPTED TO GET IT RECTIFIED AND XXXX XXXX SENT ME A LETTER WHICH I THEN FORWARDED TO THE THREE CREDIT BUREAUS, HOWEVER TRANSUNION AND XXXX CONTINUE TO REPORT LATE PAYMENT DURING THIS TIME ON MY CREDIT REPORT..
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX on my reporting credit 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.

This company misreported information on my credit. and information that is verified by me. therefore it is false and affects me in my report unfairly for me to advance in my economic life.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquires listed on my credit file that I did not authorize. 
XXXX. Inquiry Date : XX/XX/XXXX XXXX Creditor Name XXXX XXXX XXXX Inquiry Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXXXXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXXInquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XXXX XXXX XXXX XXXX XXXX XXXX  This are all consider fraud as I have never authorized this inquires
Product: Vehicle loan or lease

I sent a letter to Exeter Finance on XX/XX/2022 asking for Debt Validation and full disclosure according to the Truth in Lending Act 15 USC 1631 under disclosure requirements. A letter was mailed back from Exeter but it only included a copy of a contract that was NOT created by Exeter, but by XXXX Used Cars and it was fraudulently signed. The lease does not include a right to rescission 15USC 1635 and it also states that I gave a security interest in purchasing the vehicle, which the debt collector could not properly explain. 

The letter also included a request to cease and desist all communication while the dispute is in process and they have both still communicated with me and failed to provide me with proper documentation. My credit score is continuing to decline because they are also still reporting incorrect information to all 3 credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

As I looked over my consumer report I noticed some inquires and late payments on my report that was not authorized : 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 XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX ). Per section 609 FCRA send me over any ORIGINAL SIGNED DOCUMENTS. FCRA states the bureaus must verify all information that they get from banks, credit card companies etc before putting into my consumer report. 
Under federal law any unverified accounts must be deleted.
Product: Credit reporting or other personal consumer reports

Well, on checr, my background my information wasn't updated I had a XXXX  DL but now I have a XXXX  DL # and is not suspended I need that to be updated please
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update them immediately in my report : XXXX OF  XXXX XXXX XXXX OF  XXXX XXXX XXXX POSTAL SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In XXXX I received a letter stating my Kohl 's credit card has been chosen to be updated to a Kohl's/CapitalOne XXXX in XXXX. I immediately contacted Kohl 's and said I didn't want my card changed. They said I had to contact CapitolOne. I called CapitalOne and they said they couldn't stop the process, but after I received my Kohl's/XXXX  card I could call them back and ask to be converted back to just a Kohl 's credit card. That is ridiculous that they couldn't stop the change that wasn't taking place until XXXX. I called Kohl 's back and said if they couldn't stop the change, then to cancel my account. Kohl 's cancelled my account and don't send me a Kohl's/XXXX  card. XXXX I received a Kohl's/XXXX  card. I am furious. I just wanted my Kohl 's credit card and without my approval they went and opened a XXXX account in my name. I contacted the Attorney General 's office, They contacted Kohl 's and CaptialOne, and suggested I contact your agency. I believe this is a highly deceptive practice on CapitalOne 's part and they are " forcing '' me to accept their credit card even though I never applied for XXXX, told them I didn't want XXXX, and even closed my Kohl 's account so they wouldn't send me their credit card.