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

On Friday, XX/XX/2019 I made an attempt to temporarily unfreeze my Equifax Credit Report at which time Equifax pushed a new requirement to do Security Freeze management through a my.equifax account. I signed up for an account and provided all of the correct security information, even verifying against my own Credit Report received from another Credit Reporting Company. At this time I was locked out of my account, told to call a number, which I did. That number involved providing additional information to a robo-assistant which then stated that I could not be helped by an agent. Eventually I was able to reach a human and was told I could not be helped because of a " system update ''. I then called back two days later and was told the exact same thing. I was also refused escalation to management. It has become clear at this time that Equifax is intentionally ignoring my attempts to access my data and to place/remove Security freezes as is my right. Below is the list of actions taken with times. 

* Friday XX/XX/2019 XXXX XXXX PST - Attempted to remove security freeze with Security Pin on Equifax website. Was notified by web-portal that a myEquifax account is now needed to take security freeze actions. 

XXXX Friday XX/XX/2019 XXXX XXXX XXXX - Was locked out after account creation in spite of answering all security questions. 

XXXX Friday XX/XX/2019 XXXX XXXX PST - Called the provided Equifax XXXX number 4 times, providing security and personal information each time and being told that no agent could help me. 

XXXX Friday XX/XX/2019 XXXX XXXX  PST - Called the same number and was able to trick the robo-assistant to provide a human agent. That agent simply stated that I would need to call back in 30 minutes to an hour as they were in the middle of a " system update ''. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called using the same tricks to reach an agent at which time I was again told that I could not be helped for 30 minutes to an hour as they were again experiencing a " system update ''. I was also refused an escalation to a manager. 

XXXX Sunday XX/XX/2019 XXXX XXXX  PST - Called an hour later again as instructed and was once again told that a " System Update '' was preventing them from helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts. Because I have noticed inaccuracies and can provide screenshots. I also never opened these accounts and some of them been opened on my credit report for over 2 years. I am a victim of identity theft. I have a FTC report I can also provide. Thank you. 
I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX. 

According to the FRCA The term " investigative consumer report '' means a cosnumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactersistics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reporter on or with others with wom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. 
Accounts : # XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BANK SELF
Product: Credit card or prepaid card

My original debt with XXXX XXXXXXXX company was {$980.00}, I have been in contact with the company multiple times to resolve the problem and they are in refusal to let me pay the original debt since they purchased the debt in XXXX  they have been charging a daily 5.97 % on the account daily and now the bill is up to XXXX. I am willing to pay the debt but not the interest until I see the original contract saying that I have this account and can be charged interest once it goes into collections. I asked for the original contract over the phone and they said they were going to send it as well.
Product: Debt collection

The creditor agreed to delete this account. I am a victim of a natural or declared disaster.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX/DSNB. The Account Opened is XXXX/DSNB Account Number : XXXX Date Opened : XX/XX/2017 Balance : {$410.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I have an American Express card, setup with Online Banking. Online Banking contains information associated with XXXX of my checking accounts housed at XXXX separate banks although the account is setup for auto-debit for the monthly balance in full payments. 
AmEx has a product call Send & Split with XXXX. I do not know exactly how this product works nor have I ever set it up for my card. 
This complaint is unusual because it doesn't have to do with a charge to the credit card but with payments to the credit card. Also concerning is the lack of consumer protection when it comes to fraudulent online access. 
On XX/XX/XXXX I recvd a call from AmEx XXXX XXXX XXXX questioning an attempt to send {$2000.00} to XXXX. I advised them I had not authorized nor had I initiated this. Determining it was fraudulent, AmEx shutdown my credit card, requested a new card, and sent me a temporary password in order for me to reset my online password. Prior to the {$2000.00} transfer attempt, there were XXXX payments to the AmEx card initiated via XXXX Banking. {$4000.00} from my XXXX Bank account and {$4300.00} from my XXXX account. This would have eliminated my AmEx balance but it also caused my checking accounts to become overdrawn. On this same phone call I was transferred to customer service in order to discuss the return of the {$8300.00} to my checking accounts. I was advised by AmEx customer service that until I receive my new card and give them the XXXX digit code on the back, this could not be done. The card is not due to be received until XX/XX/XXXX... XXXX days from the day of the phone call!! 
On XX/XX/XXXX I received an email from AmEx that my Online access was suspended due to excessive unsuccessful attempts. I phoned AmEx and was directed to the ID protection team. I was disconnected. I phoned back XXXX more times. After the XXXX attempt I successfully discussed the issue. The representative stated they could not review my online account activity until I receive my replacement card and give him the XXXX digits on the back! We discussed how my online account could be breached. He stated when someone has all the card info they can access the AmEx website, get the User ID and then reset the password. I'm shocked! No additional authentification measures? 
So here I sit, embarrassed with overdrawn checking accounts, no ability to access cash via ATM, and absolutely no attempt on AmEx 's part to resolve the issue. AmEx essentially stole money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter about inaccurate accounts showing on my credit report and asked for an investigation. It has been 2 months and I still haven't received results of an investigation and these unverified accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Effective XX/XX/XXXX my student loan balance was waived through the XXXX student loan servicing provider under the Public Service Loan Forgiveness Program. 

The problem is XXXX has not reported that my student loans have been forgiven to all of the credit bureau reporting in the United States including Equifax, XXXX, and XXXX. 

I emailed XXXX through my online account on XX/XX/XXXX asking when XXXX was going to report this new financial information to the Equifax, XXXX, and XXXX. 

Their response is they report every 30 days, but I have not seen this change or update on my credit report. 

I would really appreciate it if XXXX lets Equifax, XXXX, and XXXX know that I no longer have this debt. 

Thank you, XXXX XXXX, XXXX.
Product: Credit card

Bank of America messed up my credit card payments. Here are the timeline : XXXX  I have a statement balance of XXXX in XX/XX/XXXX. At the beginning of XXXX, out of nowhere, boa initiated two identical payments of XXXX from my checking account at XXXX XXXX XXXX. I called on XXXX and the representative initiated a return of payment on my of the two identical payments, and told me that the money would be returned to my checking account in a week XXXX. Not seeing the money, I called again on XXXX or XX/XX/XXXX and was told that the money would be there in two more days. 
XXXX. Still not seeing the money, I called again around XX/XX/XXXX, and was told that due to this being a transfer to a different bank for more than XXXX, it require extra approval which might take up to 60 days XXXX. On XX/XX/XXXX, I got a message from boa collection department saying that the other payment at the beginning of the month was also returned, and I'm thus past due. 

As you could apparent see, none of these makes sense to me, because I've paid my balance, and actually overpaid it due to some unknown reason on boa side, and I've yet to see any of the overpaid money back on my account My requests are : XXXX. For boa to sort out the second return payment issue, and mark my credit card bill as fully paid XXXX. For boa to return one of the two identical payments to me XXXX. For boa to compensate me for the interest loss on XXXX dollars, at the current fed rate of 5 % per year, for the duration between XX/XX/XXXX to the date when I get my extra payment back
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX you received a Certified Letter of me asking you to verify the method of verification on the account above. 

On XXXX I received a Dispute Result that this account above was Verified. 

How actually was this Verified because the third-party XXXX you use has no information of me having a Bankruptcy on my Consumer Report? 

On XXXX I received my Consumer Report from XXXX showing that there is No Bankruptcy on my consumer credit report *I have attached the XXXX Consumer Report in this Letter. 

Please DELETE this Account Immediately from my credit report to prevent further damage.
Product: Credit reporting or other personal consumer reports

Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. Experian routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, Transunion and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXXXXXX XXXX My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from XXXX thus XXXX out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My Transunion report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and XXXX XXXX XXXX XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Mortgage

LOANDEPOT XX/XX/2022 I spoke with several agents to see if I could get a copy of my XXXX information on my home loan because I am considering transferring it over to a trust. Many agents did not know what that was but I did speak with someone who told me that it was on its way via mail, I never got it. 

XX/XX/2022 I reached out and asked them who was the servicer on the loan,, no one could answer this as well. 
Considering that no one has official made this a contract as I view my disclosure by me and my husband. Also after viewing what has been recorded only me and my are the only one who has signed the most of the doc.
Product: Credit reporting or other personal consumer reports

My legal name is inaccurate across my XXXX, XXXX, and Transunion credit reports. There are variations of similar names without my generation identifier. This has lead to inaccuracies across creditor reports validating inaccurate information as XXXXThere multiple inaccurate addresses I have never been associated with but my father has lived at.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2, Also states that a consumer reporting agency can not furnish an account without my instructions.
Product: Debt collection

There is an unknown medical charge on my credit report. It does not state the original creditor only that it is medical. I am a veteran. I have always had medical insurance. I'm not sure why this is on my credit. It is affecting my credit negatively. I do not owe this. I'm not sure what it even is. It could be from improper billing. It is the only medical collection on my report. It is very odd. For it to be sold to a credit bureau is also confusing. The date stated on my credit report is XX/XX/2016. The amount is for {$200.00}. I've never received any notice of owing this debt or being able to dispute it in any way.
Product: Credit reporting or other personal consumer reports

please CC all companies you are finding below THAT ARE HIGHLIGHTED. CC : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This notice is to inform you that someone unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile.. The purpose of this letter is to dispute the validity of the debt being claimed under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I strongly believe that this alleged debt is in direct violation of the XXXX XXXX XXXX XXXX, which prohibits any form of debt bondage or involuntary servitude arising from XXXX XXXX. I am a victim of XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have disputed past fraud accounts and have placed alerts on my credit report to refrain from possible identity theft, and still fraud accounts are being falsely reported on my credit report. I have had a hard time proving my innocence in this matter and will not tolerate such a crime. I am growing angry and exhausted with this system that doesn't protect citizens account from such fraud. It should not be this easy for some complete stranger to live and purchase things as me and I get the bill when I have no knowledge as to how to prevent such a crime when I have followed and did what was asked of me by the bureaus. Please, please rid these accounts from my report and place an alert that will notify me directly!
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

On XX/XX/XXXX or XX/XX/XXXX I called XXXX to inform that I don't have contact with the borrower, XXXX XXXX XXXX XXXX and he is FULLY responsible of the account. 

They told me if he paid on time for a full year, I could be released. I believe he had paid a full year on time and my information still on that account. 

He's married, and I don't have contact with him for more than eight years. He's not an organized person and in the good deed of removing me from the loan.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my 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 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

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus 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 XXXX XXXX Balance : {$8300.00}