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

The complainant ( " the Consumer '' ) brings this complaint and seeks non-monetary relief from Equifax Information Services LLC ( Equifax ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX, XXXX, ( XXXX ), and XXXX XXXX XXXX ( XXXX ) under the FCRA ( 15 U.S.C. 1681, et. seq. ). The Consumer is a natural person and is a person and consumer as defined by the FCRA at 15 U.S.C. 1681a ( b ) and ( c ). At all times material hereto, the Consumer had at least XXXX XXXX as defined under the ADA at 42 U.S.C. 12102. From XXXX XX/XX/XXXX to XXXX XX/XX/XXXX, the consumer sent Equifax, XXXX, and XXXX detailed notices disputing the accuracy of his credit reports with respect to XXXX credit card debt. Specifically, the Consumer disputed the patently false date of first delinquency and inaccurate payment history. Upon receiving the Consumers initial CFPB complaints, each of the CRAs, Equifax, XXXX, and XXXX, transferred the complaints to their respective consumer credit file dispute units1, and communicated the Consumers dispute notices to XXXX Initially, neither Equifax, nor XXXX, nor XXXX, nor XXXX conducted a reasonable timely investigation after receiving the consumers dispute notices, resulting in the continued reporting of false and misleading derogatory information on the consumers credit reports with respect to Discovers debt. After receiving dispute responses from Equifax, XXXX, and XXXX that continued to contain false and inaccurate derogatory information with respect to XXXX debt, the Consumer again sent Equifax, XXXX, and XXXX detailed notices disputing the accuracy of his credit reports. Equifax, XXXX, and XXXX again communicated the XXXX 's dispute notices to XXXX. Equifax and XXXX and XXXX continued thereafter to report false and inaccurate derogatory information on the consumers credit reports with respect to XXXX debt, alleging XXXX verified the accuracy of the information reported. Responding on XXXX XX/XX/XXXX to a CFPB XXXX XXXX asked the Consumer to understand that XXXX is responsible for providing [ the information for account ending XXXX ] to the credit reporting agencies ; [ but ] the credit reporting agencies have their own policy for reporting the information that is displayed. The Consumer continues to be a XXXX and thus remains exceptionally vulnerable to the conduct of Equifax, XXXX, XXXX, and XXXX. As a result of the conduct of Equifax, XXXX, XXXX, and XXXX  as alleged above from XXXX XX/XX/XXXX to XX/XX/XXXX, the Consumer has suffered severe ongoing emotional harm including and not limited to frustration, stress, XXXX worry, damage to reputation, and economic losses including and not limited to damage to his credit, lower credit scores, and lost opportunities to receive credit. He has also failed to obtain stable housing on account of the false and/or inaccurate information furnished by XXXX and persisted in his credit files by the XXXX major CRAs. ( the full complaint and documentation is attached )
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my right. 

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
Product: Credit reporting or other personal consumer reports

I contacted the credit bureau with supporting docs and they refused to remove the inaccuracies that was cause due to identity theft!
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX the company XXXX XXXX is threatened to sue me I paid on time never late
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions/consent.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EXPERIAN regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EXPERIAN has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : CARTA dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Student loan

My loans are serviced by Navient. I have been paying them off for 3 years and my balance is higher then my initial loan amount. Way more money is being paid toward interest then principle.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. I have accounts that were opened under my name which I have disputed, and XXXX, XXXX and Transunion all say the debt is validated and refuse to remove it. I have now filed a report with the FTC ( FTC Report Number XXXX ). I have provided all 3 credit reporting agencies with this report, and they have failed to remove the items. 

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 As well as there are roughly 60 inquiries on each report that do not belong to me, several different names, several different addresses, several phone number and several different social security numbers showing on my report, all of which they have refused to remove.
Product: Mortgage

I had been working with XXXX XXXX XXXX for almost a year to apply for a loss mitigation on a VA guaranteed loan. I feel behind three payments because of a family medical emergency. I called XXXX to report that I had to travel from a foreign country to USA to attend to my mother 's XXXX. I did not know that I needed to make a payment arrangement. When I returned to the foreign country I forwarded XXXX {$900.00} through bill pay directly from my checking account on XXXX XXXX XXXX and {$3500.00} on XXXX XXXX XXXX and both were returned. I received a letter indicating that I needed to pay {$4200.00} to bring my mortgage current. I sent a check for that amount on XXXX XXXX XXXX and it was returned because it was not a certified check. I called XXXX on XXXX XXXX XXXX and was informed that I would have to pay {$5200.00} to bring my loan current I did not have that amount therefore, I requested a repayment plan and was told to submit a loss mitigation package. I submitted my XXXX loss mitigation package on XXXX XXXX XXXX, the XXXX one on XXXX XXXX, the XXXX one on XXXX XXXX and the XXXX one on XXXX XXXX XXXX. With each submission, I was told that they were incomplete however ; each letter requested the same information. The fourth application was accepted. I called XXXX and spoke to XXXX ( XXXX ) on XXXX XXXX XXXX and she informed that my application had been received and it was under review however, the loan was being transferred to Freedom Mortgage Corporation with an effective date of XXXX XXXX XXXX. XXXX informed me that since I had submitted a loss mitigation package and assigned a relationship counselor my loan and loss mitigation would be transferred and I would be assigned a relationship counselor with Freedom Mortgage Corporation. I called XXXX on XXXX XXXX XXXX and XXXX informed me that loans from XXXX would not be on board until the following week. On XXXX XXXX on a call to Freedom, I was informed that my loss mitigation package was not transferred and a relationship counselor would not be assigned to me. In addition, if I could not bring my mortgage current I would have to submit a new loss mitigation package. I received that package from Freedom XX/XX/XXXX with information that stated that I would have to make monthly payment until I received some information on my loss mitigation package. I forwarded XXXX XXXX XXXX 's a copy of my XXXX, my VA Letter and my husband VA letter via email on XX/XX/XXXX and submitted my completed application on XXXX XXXX XXXX. I called Freedom Mortgage Corporation on XXXX XXXX to check the status of my loss mitigation package and told that my house was sold in a foreclosure.
Product: Checking or savings account

Bank note forgery with the assistance of a bank representative allowing for improper and unwanted Agent and Beneficiary ( POD ) for savings and checking accounts. > {$30000.00} Bank 's written response, " After completing investigation of your concerns, we were unable to substantiate the occurrence of any alleged forgery. '' XX/XX/XXXX It was noted that it was the same bank representative that had Notarized signatures on multiple bank cards that we strongly believe not to be authentic in which granted complete access and diversion of funds in absence of oversight to occur. 
Verbal reply, " The alleged forged documents had no bearing on how the accounts were paid out. '' claiming that there was no damage. The alleged forgery occurred XX/XX/XXXX. An additional Bank Card was completed and signed XX/XX/XXXX. In reality the suspected forged documents allowed for Agent and Beneficiary to divert funds from Estate for multiple years.

If the bank would have completed their due diligence and matched the signatures with signature on file the forged documents would not have allowed for the diversion of funds. 
The bank 's haphazard handling of the reported forgery has allowed the forger and the bank representative 's role to be unsubstantiated. 
It remains evident that the bank is unwilling to admit damages nor acknowledge the suspect role one of their past and current bank representative 's played in the ultimately diversion of funds for multiple years. 
The bank representative, XXXX XXXX XXXX XXXXXXXX at the Customer Care Center denied access to communicate directly with their legal department to determine authenticity of signatures. They require we hire an attorney and are requesting we enter into a legal battle knowing that they have the benefit of wherewithal. 
Forgery is a serious crime and requires due diligence on the bank 's responsibilities to protect assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute on equifax on XX/XX/XXXX and the results came back on XX/XX/XXXX. The account i disputed was supposed to be deleted and is still showing on my credit report. I called equifax to find out why and they told me the " lender won't let them delete it '' after they investigated and came back with the results to delete.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. This account was paid in full. Please investigate and provide proof with statements showing that this account was settled for less then owed. If proof can't be provided I demand this account be updated as to paid in full or removed from consumer report. 
Please see attachment. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX  card said they denied me because of fraud alert on my account listed by equifax issue I was told they have verification process call or write but information sent in last report on this from equifax sent in copy of my billing, and my information to correct, but it seems they did not correct phone numbers XXXX or XXXX, so since information was incorrect on equifax report that i just tried to chat to equifax about said this been mailed in and faxed in but still wrong, told have to request a credit report and there is no one at equifax I could talk to and fix this not sure why or fax information again, very frustrating been working on this and if best buy rerun my application my score gets nicked documented each time which seems to be a data base miss entry or issue equifax had over hack or whatever just need to get this fixed own my house lived same place since XX/XX/2010, so not sure what else to do since can not fix this evidently by going to their site and asking them for help sort of rough like to get it fixed even sent copy of my license awhile back when requested verification on address and or myself as who I am.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX # XXXX XXXX  # XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

I request that the following actions be taken immediately : Investigation of the mentioned violations.

Removal of the unauthorized accounts from my credit report.

Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.
Product: Credit card or prepaid card

credit card # - - - XXXX was paid off in full at one time and the account was closed, on XX/XX/XXXX. The check and the payment letter were sent by certified mail with a receipt and Capital One Bank mailed me a receipt. I still have all of these documents. 
on XX/XX/XXXX, ( 3 ) Three years later, Capital One sent me a claim statement for the same balance that I paid off on XX/XX/XXXX. They immediately turned it over to collection without any notice or a hearing. Capital One Bank refused to provide any evidence of the who, what, when, where or how of any new transactions to the closed account. 
Capital One refuses to talk to me, at any of there several ph numbers. As soon as I put in my account # I am transferred to a collection agency. I tried to E-mail them and I even sent a certified letter to the CEO, XXXX. XXXX, in VA, and one to there UT office, requesting information on the transaction, all of my statements and especially a FOIA and a PAR request. They refuse to provide any information or evidence of a charge. This is an URGENT situation as I the collection agency is trying to get my money.
Product: Credit card or prepaid card

My google account was hacked and someone was able to make 2 purchases of {$320.00} to two credit cards I had on file. A XXXX card and a XXXX card. The XXXX card purchase for {$320.00} but google refused to refund me for the XXXX XXXX purchase and XXXXXXXX XXXX  reversed the credit applied to my account which is no longer active. I've tried several times to dispute this with google but they keep saying " After reviewing your claim, we were unable to confirm fraudulent activity in this case, so no refund will be provided by Google at this time. If you would like to pursue the matter further, you can reach out to your financial institution. '' The XXXX  card transaction was made on XX/XX/2021 for {$320.00}. 

I realized that an email was sent to me to which I had to respond within a certain amount of day but unfortunately whoever hack into my account also put a filter on my emails, so any emails that were coming from google, online stores, and even my bank I was not getting because they were set to go straight to my trash folder. I finally figured this out after I was having issues with not receiving very important emails and missing deadlines to respond to them. The hackers also hacked into a few other accounts such as XXXX and XXXX. A purchase was made on XXXX but luckily I was able to catch it in time to stop it. Multiple out-of-state ship-to addresses were also added to my google account along with other accounts XXXX I finally figured out how my accounts were being accessed. 

One day my daughter was on the computer and she called me to tell me that the mouse was moving on its own and multiple websites were popping up in google XXXX Someone was accessing my computer remotely. They tried to access multiple accounts and then attempt to cover their tracks by deleting my google data. luckily my daughter was able to stop them before they could delete the history
Product: Student loan

XXXXXXXX XXXX XXXX has called through the whole month of XXXX when i finally spoke to them the were asking for month amount between 700 to 900 a month which that is not possible i explained to them that i can afford that amount and that if it can be lower the manger i spoke to said absolutely not that is the only amount that will be. I forgot the manager name