23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I attempted to contact Equifax to place a consumer statement on my account ( s ) for several accounts. They told me I needed to use the online dispute process, which in turn sent out an electronic verification back to the creditors, and entered updated dates to files that have been sitting dormant for almost 6+ years. This not only KILLED my credit score litterally overnight ( from a XXXX to XXXX ) in less than 10 days - but they 've also messed up the accounts. Now, what was showing as XXXX negative accounts have jumped to XXXX negative accounts, some showing duplicate entries, others reactivating a long-since closed loan, showing that I 'm now 120+ days past due, and that I owe over {$230000.00} on that account. 

When I called an spoke with supervisors to have them fix the incorrect investigation and fix the errors on my file they claim the do n't have access to the file and that it would be illegal for them to make changes to my file. They then tell me to contact the creditor directly. When I contact the creditor, they claim that I need to contact the Credit Company and initiate a dispute. There is nobody anywhere within Equifax that is willing to take responsiblity for messing up my credit report, and now fixing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and non-verbal per 15 USC 6802.

Per the Privacy Act of 1974 as a federally protected consumer, I have a right to privacy. My financial history with CMG should be private.

Per the terms and conditions of CMG it is noted they agreed not to share my information with non-affiliates. XXXX is not an affiliate of CMG. 

Per the SEC filing of CMG it is agreed upon they would not commit securities fraud when handling transaction of consumers. Any certificate of indebtedness with a balance of {$1.00} or more the balance is credited to the consumer. Reporting this account as a late is a violation of the oath CMG agreed to under the Securities Exchage Act of 1934. I have not received my check for the credit amount of this account.

CMG and XXXX or both in violation of the Fair Credit Reporting by knowingly furnishing this information as negative and reporting my financial history. 

CMG is in violation of the Fair Debt Collection Practice Act as they continue to collect an amount not owed and Under the International Bill of Exchange and Promissory Act my signature created the promissory note that CMG transfer agent securitized. To gain and not give fair exchange is a violation of my federally protected rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demanded that the following accounts be removed from my credit report : XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Debt collection

I dont recognize few accounts on my credit report and Just noticed it on my creditr report as a Collection theres three open XXXX credit card and XXXX Telephones companies.
Product: Checking or savings account

I have attempted to verify requirements of the offer, but representatives were unavailable or required hour or more waits. I was to receive a {$300.00} offer after {$4000.00} dollars were directly deposited to my account.As such, I was purported to receive the bonus 60 days after the {$4000.00} requirement as  met : -  XXXX   XXXX   XXXX    XXXX  ,  XXXX  was directly deposited to the account, via  XXXX  payroll  XXXX   XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited via an income tax refund, and, finally, -On  XXXX   XXXX    XXXX  ,  XXXX , was directly deposited to the account via  XXXX  payroll ; As such, Bank of America h as offered an unfulfilled offer. The payroll was reoccurring, and the tax is, too.
Product: Credit card or prepaid card

The problem is a ongoing problem with Fortiva credit. I attempted to get a head of my obligated monthly payments by paying my payments in a month in advance. This was due to having so many problems with Fortiva billing. XX/XX/2020 I made a payment of {$50.00}. Since there were no payment due for XX/XX/2020 because XXXX payment was made in XX/XX/2020. My payment are due the second of each month. So I made the payment after XX/XX/2020 that posted on XX/XX/2020. The exact same day my XX/XX/2020 statement was generated. Around XXXX XXXX I started getting texts message saying I had a payment due in the amount of {$42.00} due XXXX XXXX. I call customer services only to get someone attempting to get me to lose my cool by making up reasons that made no sense at all. I have sent a email to the CEO office and received no response. I have sent a email through general contact no response. Today I check my account and its past due. I went from having no payment due to being past due over hundred and some dollars. After going back and reviewing my account adding up all payments and fees. Too my surprise the requested payment of {$42.00} was actually my payment of {$50.00} minus {$7.00} which is the monthly service fee. I have gotten matter resolved by going to the XXXX then and only then did Fortiva corrected billing inaccurate statements. All the text message and trying to force me to pay the past due amount {$42.00} stating its past due when the payment was made. I dont know what to do because making any kind of payment would be saying I agree with the billing thats incorrect. Now I am in danger of outrageous charges that can get in the thousand of dollars quickly if not resolved. I feel this is complete fraud due to having to deal with the exact same thing month after month with Fortiva credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX ) XXXX-XXXX
Product: Credit reporting or other personal consumer reports

Despite providing all necessary documentation and following the prescribed procedures for reporting fraudulent activity, the problem remains unresolved, causing significant inconvenience and distress. 

I understand that resolving such matters can be complex, but the repeated failure to address this issue is deeply concerning. The presence of fraudulent charges on my account not only compromises my financial security but also erodes my trust in your company 's ability to safeguard my interests. 

I urge you to escalate this matter internally and allocate the necessary resources to expedite the removal of these fraudulent items from my account. I expect regular updates on the progress made towards resolving this matter and a commitment to transparent communication throughout the process. Furthermore, I insist on compensation for the time, inconvenience, and financial losses incurred as a result of this ongoing issue. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than seven years. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Mortgage

Purchased home in XX/XX/XXXX for $ XXXX. We put down approximately $ 47k,  leaving us with a loan of $ XXXX, {$2800.00} a month. In, XX/XX/XXXX I fell sick and was diagnosis with XXXX XXXX XXXX XXXXXXXX ( XXXX ), ( XXXX XXXX ). This cause me to go out on temporary State XXXX, which at time my income dropped sufficiently ( 65 % of my regular income ) ultimately causing me to fall behind on my mortgage. I support my wife & our XXXXY old son. After multiple attempts with Wells Fargo & Keep Your Home California both have continued to deny my attempts for mortgage assistance. In XX/XX/XXXX I was forced to return to work full-time in an attempt to avoid foreclosure, even though I still must maintain XXXX XXXX every other day ( 4-hour XXXX ). I am sending what I can afford when I can afford. I am XXXXY old  with XXXX & trying everything I can possibly do to keep our home, the approximate value of my home is $ XXXX, so I have equity however, due to my bills falling in arrears I can not qualify for a loan. Wells last response was I should consider a, " short sale ''. HuH!?! what exactly are these " programs '' out there to " help '' consumers avoid foreclosure? How does one qualify for assistance??
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big problem with XXXX XXXX and Honda financial, as you see below, I opened a ticker with Customer Services at XXXX XX/XX/2018, because I didnt receive any statement to pay my lease auto, after to discuss many times with sell representative, by Text message multiples times, nobody from Honda is helping to fix this issue, right my credit score info is affected due this late payment occurred in XX/XX/XXXX. Due this problem I cant get a loan to buy my home here at Utah, currently my lease apartment contract is cancelled to next XX/XX/XXXX The contract info about my lease are OK, address, email, phone. But when I tried to pay lease online, calling to Honda Financial as well, nobody there help me, because my SSN and Address was wrong into their system. 

This was not a problem with money into my Banck account, because I can show my statement bank at date mentioned, XX/XX/18, also they charged a late payment fee on XX/XX/18 and after one month calling everyday and bother all days to Seller Representative, one people of XXXX XXXX system ask me about my personal info trying to help me, and his discover my address are not OK and my Social Security Number was not linked with my Honda account number, after to fix that on XX/XX/18, I pay XXXX USD and setting autopayment since that date until today. 

Also a ticket os Customer Services opened at XX/XX/2018 was opened with them to investigate the issues trying to fix for any future inconvenience. 

Yesterday a Agent on call confirm the mistake about the address was wrong submitted, but they insist to check the contract info to be clear, all the contract info was fine always, but nobody call me after to get the lease, no receive any letter. Please request all that info and track the letter send by them or recording calls. 

At the same time, by XXXX XXXX app, the dispute about this issue was opened, receiving good news at XX/XX/XXXX, indicating the following result Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The payment history/rating is incorrect. 

At this time, XXXX have my credit report totally different than, XXXX and XXXX, affecting my process to buy home, also two more dispute were opened with them trying to fix, but only was change the date about the error with the late payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are unauthorized accounts open, loans and credit cards.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Delaware, XXXXXXXXBRIDGECREST [ Bank Address ] [ Bank City ], [ Bank State ], [ Bank Zipcode ] In accordance with the above federal regulations and the Fair Credit Reporting Act, I kindly request the deletion of the above late payment. If your office fails to respond to this deletion request within 30 calendar days from the date of your receipt, all references to this late payment must be deleted, and a copy of such deletion request shall be sent to me immediately.Sincerely, Your NameAttach a copy of your ID and a utility bill to serve as address verification.
Product: Consumer Loan

I HAD A CAR LOAN WITH WESTLAKE FIN. SERVICES ALMOST YEARS AGO. THE CAR WAS A PIECE OF JUNK AND I WAS RIPPED OFF FROM A XXXX XXXX XXXX XXXX KINDA PLACE. I HAD ALSO FILED CHPATER XXXX BK AT THE TIME BEFORE I GOT THE CAR. THE CAR ENDED UP BEING REPOED AND SOLD. THE COMPANY R FIELD A COMPLAINT AGIANST ME FORE THE BALANCE OF {$5600.00}. BECAUSE THEY SOLD THE CAR FOR LESS THAN IT WAS WORTH I AM SUPPOSED TO PAY THE BALANCE. I SET UP A PAYMENT ARRANGMENT OF {$120.00} PER MONTH. I PIAID MY XXXX PAYMENT ON XXXX. I GOT ANOTHER HARRASING CALL TODAY FROM WESTLAKE SAYING THAT THEY WANT ME TO CONTACT THE LAW OFFICE THAT WAS HANDLING THE CLAIM BECUASE THEY WANT ME TO SIGN OFF SAYING I WILL NOW PAY {$8600.00} BACK BECUASE THEY ARE TRYING TO CHARGE ME COURT COST, LAW OFFICE FEES AND A {$1900.00} PRE INTREST FEE. THEY ALREADY ACCEPTACED MY PAYMENT I AM NOT GOING TO PAY BACK THAT MUCH. I COULD BUY XXXX OF THOSE CARS FOR THAT PRICE.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omission of material facts constitute a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All is being investigated by the FTC. This loan was originally Disbursed in XXXX via GREAT LAKES. The account was sold and transferred to the XXXX XXXX XXXX ( myeddebt.Ed.gov ) in XXXX. There are a total of 3 entries on my credit report in reference to this loan. The only years I was in school was XXXX. Files are attached. 
1 ) DP OF EDUC, XXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00XXXX XXXX XXXX  ) US DEPT OF EDXXXX, XXXX, Date XXXX XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX, Dates : XX/XX/XXXX XX/XX/XXXX, {$3500.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am reporting a fraudulent inquiry found in my credit report
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus, and I got a letter stating, They do not report any bankruptcies to anybody. On XX/XX/2023, I sent a letter to XXXX, and On XX/XX/2023, I sent the same letter to Equifax to validate the information with the Original Creditor. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' I received my XXXX report, and the bankruptcy was removed from my file. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation, according to 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to 15 U.S.C 1681 section 602 A. States, I have the right to privacy. According to 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. According to 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, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX also at XXXX and she refused to remove these hard inquiries from my report, she told me whether I authorized them or not they will be off my report in 2 years! 

TransUnion is does not allow me to speak live they connect me to a chat and then the agents keeps stating that you can dispute these bc they are statement of facts and ask if I would like their mailing address! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 a account without my written instructions 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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX