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

Issue Summary : Equifax has reported inaccurate and fraudulent information on my credit report despite my repeated disputes and the evidence I provided to prove the information is invalid. Specifically, the collection account from [ XXXX XXXX ] is fraudulent, and I have documentation demonstrating compliance with my lease terms, as well as proof that this debt was unlawfully claimed. 

Key Facts : I rented a property from XXXX XXXX in [ XXXX XXXX, Georgia ] and fully complied with my lease terms. 
After moving out, XXXX XXXX failed to return my security deposit and unlawfully placed a collection account on my credit report, which I disputed with Equifax. 
I provided Equifax with the following documentation : - XXXX XXXX highlighting fraudulent charges - Email correspondence showing XXXX XXXX XXXX  failure to justify the charges. 
- Documentation that the home was professionally cleaned prior to move out. 
- Documentation of a recent ruling by the FTC ( FTC Matter/File number XXXX ) finding XXXX XXXX guilty of engaging in deceptive practices, including the imposition of illegal fees and the improper withholding of security deposits, and evidence that I am a victim of these deceptive practices. 

Equifax denied my dispute without conducting a proper investigation, violating its obligations under the Fair Credit Reporting Act ( FCRA ). 
Regulatory Violations : Equifaxs actions violate the FCRA, specifically : Section 611 : Failure to conduct a reasonable investigation into my dispute.

Section 623 : Continuing to report inaccurate information after receiving evidence of its inaccuracy.

Impact on Me : As a result of Equifaxs failure to remove the fraudulent information : My credit score has been unfairly damaged. 
I have been denied credit and housing opportunities. 
The stress and harm caused by this situation have been significant. 

Resolution Requested : I am requesting the following : Immediate removal of the fraudulent collection account from my credit report. 
A detailed explanation of why my dispute was denied despite the evidence provided. 
Confirmation that Equifax will take corrective actions to comply with the FCRA and prevent future issues. 

Conclusion : Equifax has failed to uphold its legal obligation to ensure the accuracy of information in my credit report. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and compel Equifax to correct this error.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw that there's a piece of inaccurate public information from my credit report. I have no knowledge about this information. Please check the documents I've sent as this has been causing me great stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters requesting a method of verification on XX/XX/2021 ; XX/XX/2021 ; XX/XX/2021 regarding them stating that the they validated the information on my credit report. I also provided them authorization for an additional investigation in which there were no results received. I would like for a valid method of verification that the invalid information is indeed mine that they have not removed from my credit report. If they are unable to provide the method if verification the information needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear XXXX and Equifax , I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my credit score. 
The unauthorized inquiries related to identity theft are as follows : * XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ). 

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX XXXX at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX without my knowledge or permission made unauthorized purchases on my Amazon Store card using my Amazon Prime Video account. The total sum of the purchases is, {$1000.00}. These purchases were made on XX/XX/2023 & XX/XX/2023. XXXX then sent me a text messages stated he made the purchases, taunting me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Experian XXXX XXXX identity packet with every required documentation needed to rectify my identity that issues. From troubles in the past Ive had dealing with CRAs, I took extreme precautions when sending documentation to them. I made a Cover Letter describing in order and with great detail, what was included in this packet. On XX/XX/year>, I received an email explaining they could not follow FCRA law 605b and block or delete the identity theft issues, due to not sending them any kind of identification. This is a false statement, the CRA refuses to follow this federal law. Mainly because theyre basing it off a false statement.
Product: Credit card or prepaid card

XXXX for period XXXX showed balance of my rewards as {$81.00}. It was after credit of {$14.00} was made on that statement, which means that the balance of rewards was produced after that credit. the next statement for the period XXXX showed a balance of rewards of {$81.00}. I have not used that card until XXXX of XXXX. That statement for the period XXXX failed to indicate of what was my previous credit balance and indicated only my " new balance '' for that period which obviously included year XXXX only {$10.00}. When I called today the credit card company ( i.e., XX/XX/XXXX ) and talked to a lady by name XXXX, she told me that the balance is only {$73.00} and deductions were made for those XXXX credits mentioned in previous statement?! Such huge deduction was unjustified and unfair. That last statement with {$10.00} credit indeed shows a deduction of {$9.00} for a fraudulent charge to my credit card but that deduction does not justify that judge reduction in my rewards balance!
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated by the credit report I recently received! This situation is completely unacceptable. I am deeply disappointed that your company allows such glaring errors to occur, causing significant damage to people 's lives and reputations. Despite multiple letters sent to your company regarding these erroneous accounts, it appears that Transunion credit bureau has failed to take appropriate action and continues to report them. 
I urgently request the immediate removal of these accounts. These oversights on your part are causing me significant financial hardship. Failure to comply will leave me with no choice but to pursue legal action against both the bureau and the responsible entities. This is not merely a request but a demand for compliance with the law and justice for the affected consumer. Thank you for your attention to this matter. I have no idea where you obtained the following accounts. 
XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly reported identity theft but they refuse to remove account as per XXXX XXXX XXXX XXXX bank they refuse to disclose results of thier investigations I have been a victim of multiple data leaks in witch cause my identity theft In accordance of of the credit reporting act this creditor has violated my rights under 15 usc 1681 section 602 states that I have a right to privacy and 15 usc 1681 section 604 a section 2 states that a furnisher can not report a account without my written instructions under 15 usc 1666b a creditor can not treat a payment under a open credit account as late for any poupose
Product: Credit reporting or other personal consumer reports

With respect to those it this matter concerns, As a victim of XXXX data breach and upon examining my credit reports, I noticed that although you have not provided any evidence to support the accuracy of the debt, you are claiming that the following accounts are mine and negatively impacted. Under 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), you are legally required to block and remove this information from my credit file upon receipt of notice and supporting documentation. Moreover, you claim to have complied with all legal and regulatory reporting requirements, thus you have to delete all fraudulent negative and critical accounts. 
Accounts to be removed and blocked : XXXXXXXX XXXX - XXXX XXXX BANK XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( XXXXXXXX XXXX XXXX XXXXXXXX ) - XXXX I was also refused credit by the lenders listed below. Adverse action against a consumer is prohibited by 15 USC 1691c and 15 USC 1692k and is punishable by civil liability. These businesses are in violation of 15 USC 1691 because I have proof that I was the victim of discrimination due to the reaction I received. My social Security ( my credit card ) was used but I received nothing in return. Please remove the unauthorized inquiries and incorrect personal information from my consumer report. 
Inquiries to be removed and blocked : XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information information to be removed and blocked : Addresses : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employment Info : XXXX And XXXX  To facilitate your investigation, I am providing the following documents : A copy of my government-issued ID Proof of address Affidavit of Identity A copy of a police report or FTC Identity Theft Report You are aware that reporting any information that can not be independently verified is illegal. I need you to give me hard proof that I am responsible for those accounts in line with 15 USC 1692g. You are also in violation of 15 USC 1681b because I have never given you or any of these companies formal permission to disclose any information on my credit report. This unjust and unfair treatment has caused me severe XXXXXXXX XXXX XXXX 
Let me remind you that any negative accounts/remarks on my credit report are illegal under the FCRA and FDCPA if you can not provide evidence to support them. I never gave my official consent for this information to be disclosed. You must block and remove these accounts off my credit report if you can't give detailed documentation about your validation, verification, and compliance procedures. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX
Product: Mortgage

I have a VA Loan with XXXX XXXX. I was told by a support agent at XXXX XXXX that a XXXX ratio of 80 % or less was required for a waiver of the Escrow requirement. On XXXX I submitted a signed, written request to their Research Department to waive the Escrow requirement. I received a letter in XXXX indicating that an analysis was completed and my XXXX ratio was 172 %. The industry standard for calculating the XXXX ratio is based on the Loan Balance/Home value. Per their website and my calculations the correct XXXX ratio is XXXX = 39.74 % which is well below the XXXX XXXX threshold for an Escrow waiver. I contacted XXXX XXXX online and over the phone numerous times between early XXXX until now in late XXXX to resolve this issue to no avail. I have requested to speak with the Escrow research department and to speak to Supervisors and was rebuffed. I was told supervisors would contact me by phone and this never occurred. On my last attempt which occurred on XXXX, I asked the support agent to tell me how the XXXX ratio was calculated and was given conflicting information. I was told it was based on the Loan balance and Home value and then I was told it was based on Original Loan amount and Loan balance. I was then told I could not be provided how the XXXX ratio was calculated. I was also told that the VA requires an Escrow account. I verified that this is not correct with the VA Department. I have been left with no other recourse than to request assistance in this matter by the State of New Jersey Department of Banking & Insurance. Thank you in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION US DEPT OF EDUCATION DEPT OF EDUCATION XXXX XXXX DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection not mine XXXX
Product: Student loan

Navient has been the servicer of my student loans. ( Just today, I completed an agreement with the XXXX XXXX XXXX XXXX to consolidate my loans and change to a different lender, so I am not sure where my status will be when you get this. ) On the Navient website, when I look at my account, loans are listed that have been paid off by me, but are NOT loans that I took out. They are listed as XXXX XXXX of XXXX XXXX. I have spoken to Navient about them on multiple occasions, with no satisfactory resolution. The responses I have gotten include 1 ) getting disconnected on the phone when they tell me they are getting a supervisor ( This has happened so many times. I have made them promise they would call me back if we get disconnected. They never ever do. ) 2 ) Sending me copies of a promisory note that has nothing to do with XXXX 3 ) Telling me they will look into the matter and let me know in 7-14 days. They actually CALLED ME today ( first time! ) in response to the comment I made on their " survey at the end of the call '' regarding contacting the Bureau of Consumer Protection. I explained my probelm. It sounded like they were taking good notes. This time they said they saw the problem and would send me a response in the mail in 7-14 days ( response # XXXX above ). She said it could be a computer input error. I want to know how I can get my student loan payments audited to find out if my payments have been applied appropriately - maybe there have been other " computer input errors ''. I took these loans out about 30 years ago and I think I STILL owe more than I originally borrowed! How do I know my payments have been correctly applied? How do I know the interest has been correctly calculated and applied? How do I know if these are really all my loans? I have a low level of confidence in Navient 's integrity and quality control. I selected " Federal Student Loans '' on this complaint process, because the loans I have taken out have been federal, although I do n't know what the XXXX. of XXXX XXXX is - probably private, so I hope I am routing this to the correct department. I am attaching screen shots of what I see in my account on Navient 's website, as well as my XXXX XXXX XXXX from XXXX. How do I get my student loan history audited??
Product: Debt collection

This complaint is in reference to I.C. Systems, Inc. This debt has been sold multiple times and each new company reports the account to my credit with the date that they purchased it, which is incorrect. This bureau can see that I have reported this debt as fraud on XX/XX/XXXX. The original date that this account went into arrears was in XXXX. Yet, it is reported to my credit with a date of XX/XX/XXXX. This is significantly infringing on my 7-year window. The time doesn't restart just because that's when they purchased the debt. Further, I have provided XXXX with a police report and shown that the account was a fraud committed against me when one of their own employees stole my information and added lines to my account without my knowledge. However, they have determined that just because I knew the individual that it could not be fraud, which is absurd. People commit crimes against people they know all the time. The amount of the debt is currently listed as {$3800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering that a debt collection company and Trans Union were erroneously reporting a debt as mine, I contacted both organizations to inform them that the debt did not belong to me. However, neither of them has offered any help, and the company keeps calling and making threats despite my explanations. Despite my repeated insistence that the debt is not mine, the company continues to call me during work hours, sometimes multiple times a day. They also call me past XXXX XXXX, which is against regulations. They have contacted me from three different phone numbers and have failed to identify themselves on the phone. The company is attempting to collect a debt that is not mine, and I have already informed them that I will not be paying it. In addition to the calls, I tried to dispute the debt on the company 's website, but it was not functional. After submitting my order, information, and proof, nothing happened, and the website instructed me to resubmit my dispute. If the company persists in these practices, I will be forced to take legal action. I have attached phone records of this company attempting to call me from two different numbers one number ending in XXXX and another one ending in XXXX The company Im talking about is XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting an unauthorized inquiry on my consumer profile. I have no knowledge and certainly didn't authorize this inquiry. I have asked for documentation of this inquiry several times over a 45-day period and have not received any responses.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage and would like for all listed accounts to be blocked and deleted : XXXX XXXX XXXX XXXX XXXX XXXX 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

I had a joint mortgage account with my ex-husband with XXXX, and noticed that my most recent Equifax credit report contains a late payment reported on XX/XX/2012. I submitted a letter to XXXX documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided XXXX with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with XXXX somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which XXXX required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to XXXX was sent from my current address, but XXXX will only send a response to my ex-husband 's address. XXXX has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX EXPERIAN KEEPS PLACING A FRAUD ALERT ON MY CREIT REPORT I HAVE ASKE THEM TO REMOVE IT OVER 10 TIMES AND I HAVE BEEN IGNORED AGAIN!!!!!!