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

I need Experian to change the name on my credit report from my maiden last name ( XXXX ) to my current last name ( XXXX ). I submitted every document requested by them ; they said that the despute has been taken care of ; however my name STILL appears as my maiden name ( XXXX ) on the results report. I need this changed in order for lending companies to pull my credit in order to purchase a house and they are directly messing up my ability to do this. Also it is almost impossible to speak to a human at Experian, and they make everything extremely complicated. I need this issue fixed asap ; and I have given them every opportunity to do so, and they still do not fix the issue I have asked them to.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. I have attached a copy of my FTC report and several identity documents to further identify myself.
Product: Credit reporting or other personal consumer reports

TRANSACTION HISTORY REMOVAL COMPLAINT I am writing to request the immediate removal of all transaction history, payment history and related balance information from my credit report for XXXX XXXX ACCOUNT tradeline as reported by TRANSUNION. This request is based on multiple violations of my privacy rights under several significant laws and regulations. 
The reporting of my information violates the Privacy Act of 1974, which protects personal information from unauthorized disclosure. It also contravenes 12 CFR 1022 ( Regulation V ), which requires the privacy and proper disposal of consumer information, ensuring data integrity and accuracy. Furthermore, under the Fair Credit Reporting Act, specifically 15 USC 1681 and 1681 ( b ), consumer reporting agencies are mandated to ensure all reported data is accurate, verified, and only made available for permissible purposes with the consumer 's explicit written consent, which I did not provide. 
Additionally, the XXXX XXXX, particularly sections 6801 through 6805, outlines the responsibilities of financial institutions to respect the privacy and protect the security of their consumer 's non-public personal information. This includes any identifiable financial information provided by a consumer that results from any transaction or service performed, which should not be disclosed without explicit written consent. 
Given these breaches of legal obligations, I urge you to act promptly to remove the mentioned information from my credit report. I expect written confirmation of this action and am prepared to take further steps to enforce my rights if necessary.
Product: Credit reporting or other personal consumer reports

I would like to file a complain because I am not able to place a credit freeze with Equifax. This a service which Equifax is legally required to make available to me for free. Onerous authentication requirements make this service inaccessible to me. 

First I attempted to authenticate on the web site. I was able to create an account, but the site says, " Please give us a call : We can't complete your request at this time. Please call the Customer Care team. '' I called the provided phone number, and the customer service representative tried to authenticate me, but the process failed because I do not have a smart phone capable of opening the Document Verification link. When I visited those links in my browser, the site said, " The Document Verification Service should be launched in a mobile browser. '' The representative said there was not another way, so I expressed that I would like to file a complaint or speak to a supervisor or manager. He transferred me.

The supervisor offered to verify my identity by emailing me a link that required me to upload two documents, one showing my full Social Security Number ( SSN ) such as a pay stub, XXXX, or Social Security card, and another showing my current address such as a Driver 's License. Being in the middle of moving house, my Driver 's License no longer has my current address, but it does have the previous address, which is only two weeks out of date, and which I submitted with my account creation request on the web site. My employer does not include a full SSN on pay stubs or XXXX, and I was not able to locate a social security card. I believe I have never needed one before.

I'm finding this authentication process to be onerous. The assumption that every consumer will have a smartphone with a mobile browser is flawed. And the requirements for documentation are excessive : they are more than my bank requires to approve me for a home mortgage, and they are more than any landlord has required to rent a home to me. 

The supervisor confirmed there is no other option : I will have to wait for my bank to report the new address and/or obtain a social security card. But I don't want to wait that long due to the the recent XXXXXXXX XXXX XXXX XXXX 

I understand the need to protect consumer data from fraud, but if I can not freeze my file in the wake of a major data breach, the system is broken. 

Thank you for reviewing this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Equifax for failing to comply with the fair credit reporting act ( FCRA ) requirements, particularly 15 USC 1681e ( b ), 1681i ( 5 ) and 1681c ( c ).

Despite multiple written disputes regarding inaccuracies on my credit report, Equifax has refused to conduct proper investigation or correct errors as mandated by law. 

on XXXX and XX/XX/XXXX ( XXXX Complaint ) I sent disputes to EQUIFAX regarding MY XXXX XXXX account ending in XXXX. I provided detailed evidence supporting my disputes, yet Equifax Either failed to respond adequately or continued reporting incorrect information. This failure has caused more harm to my credit score, impacting my ability to secure credit for a much-needed emergency as well as my daily life. 

The recent CFPB enforcement action ( CFPB orders Equifax to pay {$15.00} Million for improper investigations of credit reporting Errors, ( XX/XX/XXXX ) demonstrates a pattern of non-compliance by Equifax. My experience aligns with the improper practices highlighted in this lawsuit, including a lack of diligence in investigating consumer disputes. 
Equifax 's actions violate the following FCRA provisions : 15 USC 1681E ( b ) ; Failure to ensure the accuracy of consumer reports 15 USC 1681s-2 : Neglect of duty to prevent and correct inaccuracies 15 USC 1681i ( 5 ) : Failure to delete inaccurate or unverifiable information 15 USC 1681c ( c ) : continued reporting of outdated information In addition, I recently reviewed my Equifax report live with a representative on the phone and pointed to multiple incorrect marks on my payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Proving Equifax is aware of incorrect information harming my report yet still fails to remove such marks and continues to report them specifically, the illegal practice of re-aging an account to extend the statute of limitation " Account re-aging generally refers to an old practice when some lenders or collection agencies would change the date when an account first went delinquent to keep it on your credit report longer. However, this practice is illegal '' as attached in supporting documents My account ( XXXX XXXX XXXX XXXX XXXX repeatedly adding the XXXX ( charge off ) for 7 months representing as a recent charge off That is illegal and should've been caught and removed upon a reinvestigation by Equifax in addition to the above VIOLATIONS
Product: Debt collection

Viking client services contacted me from ( XXXX ) XXXX on behalf of XXXX XXXX XXXX payment, alleged owed by me {$860.00}, when in actuality XXXX XXXX XXXX continue to refund my money to me on my card due to system malfunction. Viking have called me while homeschooling my two children and have cause for a disturbance by violating having no written consent by me to contact me and disclose location information.
Product: Student loan

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. There is no third party involved or any Credit Repair company working on my behalf.I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the XXXX Credit Bureau with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below is the account that is reporting on my Credit Report : FEDLOAN XXXX Balance {$0.00} Date opened XX/XX/ 2000 2000
Product: Debt collection

I am writing in response to your recent correspondence regarding the alleged debt associated with my account. I appreciate the validations you have sent ; however, I must emphasize that none of the provided documentation includes any agreement that I have signed, explicitly binding me to the debt collection efforts undertaken by your agency.
Product: Mortgage

I have filed for a VA Home loan through Loan Depot and they have denied and prolonged the request despite being qualified for the VA Home Loan as a military member. 

The Loan Consultant did not want to give the VA Home Loan pre-approval but instead provided a pre-approval letter under the Conventional Home Loan. They have made numerous stalling tactics that my family lost the bid for the home we were hoping to qualify. The company have ignored our request for months despite our plea for a VA Home Loan Approval. Additionally, the loan company placed my credit score on the pre-approval sheet in which certain individuals is not privy to view. 

The pre-approval loan letter provided the Loan to Value ratio in which we have not committed to the home to purchase since the company neglected our request for months. As a VA Home Loan it should be easier to qualify rather than the conventional home loan. 

I was informed by the community that despite that they advertise that VA Home Loan is available they only cater to the cash market that the XXXX foreign nationals bring.
Product: Debt collection

I have repeatedly tried to dispute this with the credit bureaus and have tried to contact them and I get threats. They have never provided me with a verification of debt. I felt backed into a corner when I did call them about this. I asked if they would work with me after they provided the verification of debt and they said they were not able to do either
Product: Debt collection

A company keeps reaching out to me and my entire family from various phone numbers stating i owe them XXXX from bestbuy in XXXX. They keep harrasing me and my family stating they are going to take me to court and i must reply within 24 hrs or they will take action in court. I filled for bankruptcy in XXXX. Anything from besbuy after that would have been identity theft or just a scam. I did tell them to give me their company name and proof of such purchases and nothing. I even called bestbuy legal dept and they dont see anything on file.
Product: Mortgage

It has been 5 years since my husband and I went through HAPR. We made all payments on time. I called last night b/c I knew there was supposed to be a reduction in principle after 5 years. I was told they sent me something XX/XX/XXXX and we did n't receive it. I do not recall every getting it. I asked them to resend and was told time is up and I ca n't take advantage of HAPR benefit. I did not receive the package and want the benefit we earned by making on time payments. I think this is not a good practice and way for CitMortgage to take advantage of people who they are supposed to be helping. Please look into this. All I want is the benefit earned and them to resend the papers so we can complete and return. We want the loan to be reduced as promised.
Product: Debt collection

XXXX submitted my account to collections with contacting me by phone, by mail or digitally. Before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : Speak with you in person about the debt, Speak with you by telephone about the debt, Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. If a debt collector sends you a validation notice about a debt, it means they have satisfied their requirement to contact you and, in general, can begin to report the debt to credit reporting companies. The only way I found out about this account was via XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account is a fraud account as I have never opened or used it : Portfolio Recovery Associates account XXXX The attached original creditors bank statement shows XXXX XXXX as part of my address, but I never lived in that XXXX and it doesnt match the correct XXXX XXXX showing on my credit report.Please delete asap.
Product: Student loan

Even though I have been medically designated as totally and permanently XXXX and receive SS XXXX as my online income, AES student loan companies will not discharge my loans. My federal loans have been XXXX. 
I am unable to work. My minimum AES monthly bill is more than a third of my SS payment. SS XXXX is my only source of income. If the federal government acknowledges my XXXX then why AES. Also, the constant phone calls only make me feel worse everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

All THREE Credit Reporting Bureaus- XXXX  , TransUnion and XXXX are FALSELY reporting an Unverifiable Bankruptcy that has been REMOVED from my XXXX XXXX XXXX  by XXXX XXXX since XX/XX/XXXX. 

I have disputed the Bankruptcy Report several times with ALL 3 Bureaus to NO AVAIL.It is Fraudulent Reporting. 

I have submitted the Removal VERIFIED BY XXXX XXXX DATED XX/XX/XXXX TO all 3 Credit Reporting Bureaus. 
I have a copy of my XXXX XXXX XXXX XXXX Dated XX/XX/XXXX. 

All Three Bureaus Refuse to remove the Bankruptcy stating it has been Verified by XXXX XXXX. 
NONE OF THE CREDIT BUREAUS HAS REQUESTED A RISK VIEW REPORT UPDATE IN MORE THAN 22 MONTHS AS REPORTED TO ME BY XXXX XXXX. 

I was denied an Automobile Loan in XX/XX/XXXX because of the bankruptcy. 

Further All 3 Bureaus indicate my 'oldest ' credit account is 4 years old ... I have credit cards that are 8-12 years old and perfect credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not authorize my credit to be run several times only once with XXXX XXXX
Product: Checking or savings account

I had an account there in which i accessed in XXXX. They allowed a man named XXXX XXXX to not only steal XXXX XXXX dollars out of the account but transfer this account to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX holds the account at their institution in a trust. The XXXX could of very well changed the TIN ON THE ACCT by now however the tax if number was under my daughters due to fraudulent activity by XXXX in regard to me. The account I believe was transferred to XXXX XXXX XXXX XXXX as early as in XXXX. First National is not showing any records other than a savings acct under my daughters social. They also deleted the transfer records and record of the account under this persons guudance. XXXX XXXX requires a medallion signature of several levels attained by XXXX XXXX at First National Bank of Omaha.
Product: Credit card

Someone applied for a Capital One credit card using my name, income, and had my SS number. I have not applied for a credit card since last year. Its a hard credit and has caused my XXXX XXXX  to go down XXXX points. I spoke with them and they said it was permanently closed. I have not received a letter from them yet. How long is this going to be on my credit report? Im really upset because I was in the process of buying a new car. Now my XXXX XXXX is too low. Please help! Thank you! XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute the presence of the following accounts on my credit report, as they are not mine and have been reported without my consent. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that these accounts be removed from my credit report immediately XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX These accounts have been erroneously reported and have violated my rights under the FCRA. Specifically : Right to Privacy ( 15 U.S.C. 1681 Section 602 ( a ) ) : The FCRA stipulates that I have the right to privacy regarding my credit information. The presence of these unauthorized accounts on my credit report represents a breach of this right.

Provision of Information Without Consent ( 15 U.S.C. 1681b Section 604 ( a ) ( 2 ) ) : The FCRA mandates that a consumer reporting agency can not furnish credit information without my written instructions. The aforementioned accounts were added to my credit report without my consent or authorization, constituting a violation of this provision.

I request the Consumer Financial Protection Bureau to investigate this matter and ensure the immediate removal of these unauthorized accounts from my credit report. Enclosed with this letter, you will find copies of my credit report highlighting the disputed accounts and any additional supporting documentation.

Thank you for your prompt attention to this urgent matter. Please contact me at the provided contact information should you require any further information or clarification.

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

XXXX client, XXXX XXXX is a victim of identity theft. He was notified of an account established with his information without his consent. An inquiry was also conducted into his credit XXXX credit report to help establish this account XX/XX/2018. A formal dispute of this was sent to SYNC/XXXX XX/XX/2018 certified mail with return receipt and as of this date SYNC/XXXX has failed to send a reply or an update as to the status of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in my FTC report stating that I was a victim of Identity theft. The issue is I still have one account that they have refused to remove. I have answered every questions and sent in everything that has been asked of me but it still has not been removed. This is a direct violation of the law and they do not seem to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation and I have had no response The fraudulent account is ComenityCapital/XXXX.
Product: Credit reporting or other personal consumer reports

Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$42000.00}, XXXX XXXX XXXX : {$10000.00}
Product: Money transfer, virtual currency, or money service

Received a call XX/XX/year> from woman claiming to be calling about someone trying to make charge on my husbands XXXX XXXX card by the name of XXXX. Told her we didnt know anyone by that name. Then she said it looked like someone was trying to get into our checking account and she would need to transfer me to the fraud department. Then this man said that they would need to delete the XXXX XXXX so the person trying to get into our account wouldnt be able to. He then asked if I had a IPhone and I said, yes. He asked if he could call me on my IPhone so they could delete the card on my XXXX & XXXX. So he started working on deleting the card. During the entire phone conversation he kept repeating how important it was not to tell anyone because this was a FBI investigation and not to alert anyone because it would ruin the investigation. Then he said a FBI agent was opening an account for my husband and I at another bank. That I needed to withdraw cash from our account to protect our money. He told me to go to the bank where my husband and I have our account and withdraw {$18000.00} in cash. He said if I had an ear piece to wear it while I was getting the money out and not to say anything because I could mess up the investigation. I did as directed. Then he asked how close was I to Wells Fargo in XXXX XXXX  I took it there and he told me to deposit in the ATM at Wells Fargo in XXXX XXXX. He called from XXXX # XXXX We bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ATM receipt acct # XXXX customer card number XXXX. I removed my XXXX XXXX.
Product: Checking or savings account

On XX/XX/XXXX I deposit my employee check and the Wells Fargo bank located in XXXX and XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ( XXXX ), and the bank put a hold on my check due to a recent returned check but I have not deposit any check that has been returned. As per the bank, the check will be available on XX/XX/XXXX - 9 days. I am the only provider for my house. By the bank holding my money, it has brought me hardship. My card is in line to be repossessed since it was due, I have to pay my car insurance, electricity and water ; my child and I have not have a good meal for 9 days - we have been surviving on spaghetti and I had to asked my aunt for water to drink. One of my bill kicked in on XX/XX/XXXX and they just charged me an overdraft feed for insufficient funds when the money is there, I can see that hey are taking my money. This bank charges people overdraft on top of overdraft which and it is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this account since  XXXX   XXXX . I always  ( ALWAYS )  made on-line payments through my bank -  XXXX   XXXX .  XXXX  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  XXXX  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  XXXX , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.