23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Hard Inquiries and Fair Credit Reporting Act Concerns To Whom It May Concern, I am writing to express my concerns regarding the handling of my credit report disputes with Equifax. Since XX/XX/2024, I have been actively trying to dispute multiple hard inquiries on my credit profile that I believe are inaccurate and are negatively impacting my creditworthiness. 

Despite my repeated attempts to dispute these inquiries, I have found Equifax 's response to be unsatisfactory. It appears that they are not taking the necessary time or effort to conduct a thorough investigation into the matter. Instead, I receive updates shortly after my dispute submissions, which suggests to me that Equifax is not adequately reviewing the information I have provided. 

I believe that this practice is unfair and violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation into disputed items. By not taking the time to investigate the disputed inquiries properly, Equifax is not fulfilling its obligations under the FCRA, and I am unfairly being penalized as a result. 

I request that Equifax conducts a comprehensive review of my disputed inquiries and provides me with a detailed explanation of their findings. I also request that any inaccurate or unsubstantiated inquiries be removed from my credit report promptly. 

I appreciate your attention to this matter and look forward to your prompt resolution. 

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

TransUnion is reporting the account with XXXX XXXX  on my credit report, and I have never heard of this company. Upon reviewing my credit report, I did not recognize this account nor company. I initially sent a request for TransUnion to validate the account, and send my proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After five different attempts, they have failed to provide me proof of this account, failed to provide proof that I have dealings with this company, and failed to validate this debt. I have disputed this information five times, and have given them warning that if it could not be validated, to remove it from my report, or else I would file a formal complaint. In addition, the information TransUnion is reporting does not match the information being reported by the other credit agencies, which again leads me to believe this account is illegally being reported. This can not be mine, nor a real account, because the information across the agencies do not match. That is impossible for the exact same account to be reporting differently. After multiple attempts, they still have not done anything about this. I sent a dispute to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I gave them ample time and opportunity to resolve this issue before having to take this route of filing a complaint.
Product: Credit card or prepaid card

I have the XXXX credit card and have been enrolled in automatic payments as far back as XXXX which posts as {$29.00} on the first of the month on my statements. I decided to check in on it a few days ago to find that the automatic payments were still enrolled but that the payments are not posting and that I have accrued two sets of late fees. I figured this was the site malfunctioning and that I'd accept the {$68.00} worth of late fees ( {$40.00} late fee on XX/XX/21 and {$28.00} on XX/XX/21 ) and make double sure that both automatic payments was on by resigning up for it on Saturday before due date and that it is connected to my correct and functioning bank account. I attempted to place a one-time payment to completely pay off my balance ( {$380.00} on XX/XX/21 ) but again the payment did not post for either. If I assume I forgot to hit the second confirmation on the one-time payment, my automatic payment should have covered the minimum due. I am now late for this pay period and will be given a larger fine. Customer service does not connect me to real people, and is not structured appropriately for dealing with disputes. I would like to be done with this card, but I must first pay off the balance that is destroying my credit and accruing late fees.
Product: Credit reporting or other personal consumer reports

I am troubled by the presence of XXXX XXXX on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my report.
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 items : XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : -, XXXX XXXX XXXXXXXX XXXX Balance : {$2800.00}XXXX XXXX XXXX XXXX XXXX Balance : {$910.00}, XXXX XXXX XXXX XXXX Balance : {$950.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00}, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$1600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$190.00}, XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

In XXXX of 2023, I sent a check valued at {$9400.00} from my funds drawn on XXXX XXXX XXXX ( XXXX ) which helped to arrange a HELOC for me with my mortgage company, XXXXXXXX XXXX XXXX sent several checks to me after which I mailed them out to the agreed creditors. One check I mailed to Comenity Capital Bank in Texas at : XXXX XXXX XXXX XXXX TX XXXX which is the address on their monthly statements. Comenity holds my XXXX XXXX Credit Card. Comenity has not been helpful after taking more than 90 days to do their research, saying they have no record of the check. XXXX eventually sent me their information showing the check was deposited with XXXX XXXX Utah ( see attached ). I have no business with anything in the State of Utah. I called XXXX and Comenity several times and left several messages with Comenity without them resolving my issue. I suspect Comenity mixed up my check amongst their several retail store accounts.
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan from OneMain Financial in the amount of {$11000.00} in XXXX and then I had a car accident, and my car was totaled and the insurance company paid them because they had a lien on the car, and I was unable to purchase another car right away and then unable to work. Then once I got a job XXXX hit and I was struggling to pay any of my bills. They were a predatory lending company charging 35 % interest. They XXXX  me by calling me several times a day and I was XXXX XXXX XXXX. They are now garnishing my wages in the amount of 25 % and I have XXXX XXXX to raise and I am struggling financially working overtime and now I am having XXXX issues.
Product: Credit reporting or other personal consumer reports

There is a credit account from XXXX on my credit report that was opened in XX/XX/XXXXXXXX  that was not open or authorized to be opened by me. I completed a FTC identity theft report for the account above on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that my wallet was stolen I disputed these accounts on XX/XX/XXXX through XX/XX/XXXX and gained no results. I then decided to file a identity theft report on XX/XX/XXXX of this year. I did not know that my personal information was used to open these accounts and would like these unauthorized accounts removed from my credit. The following accounts are on Experian, XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$18000.00} increased to {$19000.00}, XXXX XXXX XXXX {$2100.00}, XXXX {$590.00} XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, 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 Experian credit bureau is required to authenticate these items 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 item and delete it immediately in my report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit card

After accepting a pre-approved Capital One Savor card it arrived in the mail and I called the activation number on or near XX/XX/XXXX. I was refused activation and told I needed to send images of the front and back of my driver license in order to activate with no explanation why. At the same time I was locked out of my CreditWise membership with no explanation. On or near XX/XX/XXXX I sent the images to the link provided and waited but no response, about a week later I called to ask what was going on and was told the images I sent were blurry and must be resent. I explained they were not blurry when I made the images through the copier and were not blurry when I sent them through the link ( there is no way to blur the images that I'm aware of ). I said that I was thinking this may be a scam and said I was calling the CFPB - the rep said " Go ahead ''. XXXX sent me an email saying my credit had been downgraded due to the running of my credit for the card they refused to activate and still to this day ( XX/XX/XXXX ) have me locked out of my CreditWise membership. I received a letter dated XX/XX/XXXX saying I needed to call to " verify additional information on your account opened on XX/XX/XXXX '' so I called today ( XX/XX/XXXX ) and was told the same exact thing about the " blurry images '' and was all but accused of being a " fraudster ''. The person stated again and again that what I was doing was exactly what fraudsters do. I was outraged to say the least. So I now have a lowered credit rating from Outstanding to Very Good with at least one credit agency ( I'm unable to check the others through my still locked out CreditWise ) and have nothing to show for it.
Product: Credit card or prepaid card

I have a Venmo account and on XXXX XXXX I received an email regarding a credit card opened and purchased for over XXXX dollars. The email I received was attention to the fraudulent person. I have reached out to Venmo fraud department with no resolution. According to Venmo representative, there is a mix up of personal information. For some reason, the fraudulent person has my phone number and my email address. However, the social security number used to open a credit card is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all Fraudulent accounts as I have no knowledge of any these accounts due to the XXXX data breach/identity theft. ALL is begin investigated by the FTC. The XXXX is intended to secure my rights to privacy has been breached. According to FCRA 605B anything that in unknown to me must immediately block it from my credit report until your investigation over so I need you to put these fraudulent/authorized inquires in dispute please or you failing to comply to the FCRA
Product: Credit reporting or other personal consumer reports

The company changed the account status to charge-off back in XXXX of 2019. The credit bureau keeps updating every month saying that the account is 90 days late but in a charge-off that is not a valid status or reporting. The account is XXXX XXXX XXXX
Product: Credit card

I can not log in to pay my bill, yet they are penalizing me with creddit bureaus.
Product: Checking or savings account

Since Suntrust turned into Truist I have had a problem accessing my account and with fees because of it. I went into the branch and they told me they had to stay on hold just like me and told me to call back when I went home because he couldnt stay in hold and had other customers. I have made numerous calls and attempts to no avail. I think they just want to charge fees. We had no problems with access until Truist took over.
Product: Checking or savings account

I opened an account with NAVY FEDERAL CREDIT UNION in XXXX  and total amount of {$1900.00} was locked in my account and i have not been able to access my account since not to talk of withdrawing my available balance. 
All efforts made to contact the said bank have proved futile so far Below is the said bank details : Account Name : XXXX XXXX Account Number : XXXX Routine Number : XXXX Please treat this as urgent sir/ma as i am at risk of losing my money. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 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 a account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

We had not received notice from XXXX Hospital for this overdue bill, therefore, were unaware of this bill. It was then referred to collections without our awareness. We usually receive XXXX bills notices and I keep them for tax purposes. We recieved the first collection notice in XX/XX/XXXX in which I paid for on XX/XX/2016 at XXXX Hospital in person. The collections agency also kept calling afterwards our payment was made. We informed the agency that we had paid and they needed to contact XXXX Hospital as we had paid it their and the accounting clerk assured me they would inform the agency. I believe XXXX Hospital and the agency are not reporting properly and the Hospital did not correctly notify me of this bill. I refute this claim as tardy to do my unawareness. I always ensure I pay my medical bills within a reasonable amount of time and do not intentionally neglect my bills.
Product: Debt collection

XXXX XXXX  contacted me at work continuously when they were asked not to, contacted all my family to get information from them called several times a day and was disrespectful, rude and threatening. They were not willing to work with me or make arrangements said I would just need to contact an attorney- now my wages are being garnished I need help to try to do a loan rehabilitation but I do not want to talk to this collection agency ever again
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 these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has furnished an incorrect account balance on XXXX of {$16000.00} on my Experian Credit Report and a Account Balance has been furnished to my XXXX Credit Report of {$16000.00} on XX/XX/2022, Both from XXXX XXXX XXXX XXXX I also has sent this company a Cease and Desist which they have also ignored and violated my consumer rights and continue to used these deceptive practices. Im just putting your company on notice that you all are liable under federal laws to investigate and report each complaint. 

Violations Unfair practices 15 USC 1692 15 U.S. Code 1692c - ( c ) Ceasing communication
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious account. I think they have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX XXXX, XXXX, XXXX and I'm including it again. Please check payment history, date open, last activity and Status of XXXX XXXX  XXXX i believe it was reporting in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan from XXXX XXXX XXXX in XXXX, PA for medical assistant almost 13 years ago from XXXX XXXX. I wanted to go for the XXXX XXXX XXXX   but was told by this school that I had to complete a XXXX XXXX  class first for 9 months so I completed the class with XXXX  and completed my XXXX  but when I asked the school to help me with getting a job they told me I had to have an email set up which I did not at that time so they then told me they couldn't help me get a job because of having no email address. I paid on my loans every month as ordered and could not pay it for a couple months it was lowered so I could pay on it but my XXXX XXXX loan then got taken over by navient in XXXX and they harrassed me non stop with phone calls, calls to my brother in law 's family and people there not aloud by law to tell that information to except a spouse they then told me my only option was paying {$10000.00} at that time or go into forbearance and not for a while and then promised to lower payments well then the interst rated went crazy and I could no longer afford it. It's been almost 13 years and it finally closed this month but it's still on my credit report under XXXX  it's open now taken over by XXXX and under my Equifax report it says closed but the date my loan opened says XXXX, I wasn't born until XXXX. Can you please help and also let me know if I'm able to claim taxes because they took my refunds the last 2 years. I'm a XXXX XXXX of XXXX little girls and I currently live with my parents because I lost my fiancee and father of my children a year ago. I'm XXXX XXXX XXXX and have XXXX daughters ages XXXX & XXXX and need help with closing this loan and removing it from my credit reports
Product: Debt collection

I recently review my credit report and notice there were inaccurarcies. A collection SOUTHWEST CREDIT SYSTE the amount of XXXX is not my debt. I was a victim of id theft and im not responsible for debt. Below is a copy for information related to the debt. It stopping me from getting a place to live. 


Account Info Tap labels for more details Account number XXXX Collection openedXX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX 2021 Additional info Comments
Product: Credit reporting, credit repair services, or other personal consumer reports

I recognized your help to remove a portion of the data in my credit file that came about because of a FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. Please this time remove the items that are inaccurate on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX : {$110.00}
Product: Credit card or prepaid card

I have called my credit card Barclays multiple times to complain about unsolicited marketing mail. This includes 0 % balance transfers and other garbage.
Product: Student loan

Mohela has stolen my time, money, and caused me a great deal of emotional distress. After receiving my XXXX tax return, as a hardworking college student who pays her way through school, I decided to pay off a little of my student loans. I have been encouraged by every adult in my life to take out minimal loans and pay them off quickly. 
On XX/XX/XXXX, I paid off {$1000.00} of one of my unsubsidized loans with the highest interest rate. Mohela sent me confirmation that the payment had been received with the confirmation number XXXX. Two days later on XX/XX/XXXX, which my bank, XXXX, can verify, {$1000.00} was taken out of my savings account. I patiently waited for this payment to be reflected in my Mohela portal, but grew anxious when I did not see the payment months later. On XX/XX/XXXX, I called Mohela and let them know of my concerns. The representative claimed that the issue was occurring because they were switching over to a new database but my money would appear in the payment history soon. On XX/XX/XXXX, I called again. This time, a representative first told me that my money had been refunded. I informed her that no such refund had occurred. She seemed confused and told me that if I waited a couple more months the payment would be in the portal and the portion of the loan would be paid. I do not believe she knew what she was talking about. Today, on XX/XX/XXXX, I am out {$1000.00}, my payment was supposedly never made on my loan, and Mohela has not taken any accountability. I also submitted a written complaint some time in XXXX to their website and did not hear anything from them. I don't believe anyone on their team can or will help me. Please help me rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. These accounts should be corrected : XXXX XXXX XXXX XXXX XXXX Balance {$47000.00} ; XXXX XXXX XXXX  XXXX XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$47000.00} ; XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$28000.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$10000.00} ; XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$47000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$28000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance ; {$12000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$10000.00}.