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

I am a victim of identity theft and there is a fraudulent account reporting to my Equifax report. I have provided Equifax with every single document that is needed for this account to be removed from my file and I've shown proof of fraud. Equifax has refused to remove this fraudulent account and continues to report fraudulent information. This account was not opened by me nor did I authorize or benefit from this account. I am requesting that Equifax use the documentation provided to them that they've requested and verified ; to remove this account ( s ) immediately. I have attached the Police Report and removal request letter to my dispute. Unfortunately, the Federal Trade Comission Affidavit is too large to attach, however this has already been provided to Equifax to use to  block/remove this account. The account that I am requesting to be blocked is XXXX  XXXX XXXX ( Credit Card ) // Opened : XX/XX/2017 XXXX Balance : {$240.00}. This account is a fraudulent account and should be removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX & EXPERIAN CONTINUE TO BREAK FEDERAL LAW AND VIOLATE MY RIGHTS AS A CONSUMER AS SET FORTH BY CONGRESS THE LAW IS THE LAW. DELETE THESE ACCOUNTS ASAP FOR ALL VIOLATIONS AND FOR CONTINUING TO BREAK THE LAW AND VIOLATE MY FEDERALLY PROTECTED RIGHTS AS SET FORTH BY CONGRESS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIOLATIONS : XXXX ( XXXX ) '' the consumer report does not include information solely as to TRANSACTIONS or EXPERIENCES ( Payment history charge off status ) between the consumer ( myself ) and the person making the report. YOUR REPORTING OF THIS INFORMATION IS BREAKING THE LAW AS STATED AND SET FORTH BY CONGRESS. ADDITIONALLY THESE ARE AN ADVERSE ITEM AND THE CONSUMER REPORT DOES NOT INCLUDE ADVERSE ITEMS OTHEN THAN : PER 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports " any other adverse item of information, OTHER THAN records of convictions of crimes which antedates the report by more than seven years '' Additionally The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account ILLEGAL. THE LEGAL Definition PER THE IRS Clearly says a Cancelled debt or " Charge off '' is Income. I never received a 1099-C FROM for the cancelled debt. These companies are writing off debt with the IRS WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGALL. ALSO In Their TERMS and conditions they agreed not to share my information with non affiliates. XXXX, EXPERIAN, and XXXX is not an affiliate of these Companies nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. AGAIN I have a right to privacy and Per the Privacy Act of XXXX as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA 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.
Product: Credit reporting or other personal consumer reports

This is a medical collection reporting illegaly and inacurate on my consumer credit report, violating my privacy and HIPAA Law.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX 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

XX/XX/2019 ... .. moved into an apartment complex XXXX at XXXX XXXX. 
Apartment was uninhabitable. Not ready for humans to live in. XXXX and XXXX  infested.Strong Paint orders throughout the apartment. Front door was not properly attached. At this time in my life I was a victim of XXXX XXXX and had to move due to XXXX XXXX circumstances against my life and my family. I have been wrongfully charged with debt from this company on multiple occasions and its was all inaccurate. 
Please help me remove this debt off my report due to the laws that supposed to protect families in domestic XXXX situations.
Product: Credit reporting or other personal consumer reports

After several disputes being returned as accurate with multiple agencies and the creditor even though they are all reporting different information for the same item, I am filing this complaint with the following evidence. On XX/XX/XXXX I submtted a dispute via certified mail to XXXX, Equifax, and XXXX regarding a violation of 15 U.S. Code 1681e ( b ) on a reported item XXXX XXXX XXXX XXXX Account # XXXX. All companies responded that the information was verified with XXXX and accurate. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies. I also sent a certified mail validation and verification letter to XXXX XXXX XXXX XXXX  on XX/XX/XXXX. On XX/XX/XXXX XXXX sent me a letter stating all information is being reported correctly to the credit agencies. This can not be accurate as different amounts, dates, and information are being reported to different credit agencies that are claiming they have verified these items with XXXX On XX/XX/XXXX XXXX sent me a letter stating that they do not fall under the FCRA as they are not a debt collection company and that they are reporting information based on their files. XXXX can not be reporting accurately as different amounts, dates, and information are being reported to XXXX different credit agencies that are all claiming they have verified these items with XXXX  On XX/XX/XXXX I received another letter from XXXX stating they have investigated the matter again and have found they are reporting accurately to the credit bureaus. Also that they consider the matter resolved and will not respond to additional inquiries unless new information is provided. As stated before they can not be reporting accuately as XXXX different credit agencies are reporting different information. After each dispute XXXX of the agencies will either remove the information all together or not at all instead of removing the item for the violation. On XX/XX/XXXX Equifax sent me a letter stating that they would not process my dispute due to identification issues ( CFPB Complaint # XXXX ). On XX/XX/XXXX XXXX sent me a letter acknowledging receipt of dispute and a copy of my credit report but did not process the dispute nor update me. They did however " update '' information on my credit report. If the creditor is reporting information to these agencies then why are they reporting inaccurately or removing just the disputed information and not the item itself? Also, if XXXX is allegedly reporting the same " accurate '' information then why does each agency possess different information for the same items?
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, 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  Please remove these inquiries.
Product: Credit card

In XXXX, I applied for a rewards credit card through the Bank of America. I was approved, but when I received my credit card in the mail, it looked different than what I applied for. I went into their app to set up the rewards, and found none there. When I called customer service, they stated my card had no rewards, despite signing up for a card that did. I have filed complaints with the company, the XXXX XXXX XXXX and now this company. The BOA refused to acknowledge misuse of credit information in that they sent a card I didnt apply for. They were already cited by this company is 2023 for opening unauthorized consumer financial accounts and its misleading statements regarding certain credit cards rewards, which has occurred in my situation again.
Product: Credit reporting or other personal consumer reports

I was unemployed for a period of time. During that time, I went through the process and secured deferment from the mortgage servicer XXXX We eventually were approved to have the missed payments moved to the back of the loan, and were never delinquent at any time. Despite the fact that there was {$0.00} due, XXXX reported me to Credit Reporting Agencies as Delinquent. I only found out when credit limits were reduced on some of my accounts. What is the point of following the rules only to be shafted at the back end? I didn't choose to lose my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I applied for a line of credit to purchase furniture over the phone. An account was opened for XXXX XXXX only. Once I realized this mistake, I called in and they opened a XXXX XXXX account that could be used anywhere ( this is what I originally authorized and thought they were doing to begin with ). They closed the XXXX XXXX  account. The next month ( XX/XX/XXXX ) I received a copy of my credit report and there was two inquires and two accounts showing up on my credit report. The XXXX XXXX account showed opened then closed two days later. I called the company regarding this error which caused my credit score to significantly decrease, and I spoke with account manager XXXX ( XXXX # XXXX ). He stated he would send a letter to the credit bureaus stating the XXXX XXXX account was opened in error. He could not confirm if they would delete the account or not but he would try. He told me to request a copy of my report withing 45-60 days to see if it was gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to put a fraud alert due to recent data-breach with Equifax and so far no luck. Very un-ethical business operations from Equifax and they should be accountable as they allowed my XXXX data into bad-hands. Thank you.
Product: Mortgage

Regions Mortgage paid expense hazard insurance policy increase Of {$5000.00} to XXXX XXXX three months before insurance policy was due, without our consent or permission.That expense increase put a financial hardship on my husband and I.We can not afford to pay {$2200.00} month payment XX/XX/XXXX.Paid {$1400.00} in XX/XX/XXXX.Region Mortgage is cause us losing our home of 24 years.Region customer 14 years.We want Region Mortgage to cancel expense XXXX XXXX refund funds to escrow account and pay for reasonable insurance.Thank you I appreciate your attention and time to this important matter.
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. 
HARD INQUIRIES *XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX. XX/XX/XXXX *XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX PLEASE REMOVED THESE INQUIRES!! 

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: Vehicle loan or lease

I paid XXXX to get my car back in XXXX. They didnt fix my car they saying I still owe and extra XXXX when I pay XXXX $ extra more dollars for the insurance for the car it didnt cover anything. They frauding taking more money.
Product: Student loan

there are times where i do forget payments but when i answer or call them back one lady that i have to deal with for my loan is rude, harasses me, and hangs up on me.. Today had to be the worse which would be XXXX called to setup payments to get things caught up and she said i need a reason to why you have not contacted us, I told her that i have been working very long days, she says that's not a good enough reason. Only way i can take payment is something today and setup autopay. told her that i can not make a payment today that this was my fault be I'm setting up three payments to get everything caught up, she continued to harasses me about my other bills stating that i don't forget my phone bill, just cause you work long hours is not a good enough reason to where i did get upset and asked for a supervisor which really didn't help much cause the only way he would setup payments is if i setup autopay.. I have had the same woman hang up on me in the past when i asked a question.. she continues to make sure that this is going to mess up my credit there has been many times we have blown up on each other because of her attitude towards me.. im sorry im trying to pay and because of my reason its not good enough? because i have made mistakes that i get harassment from her.. there's time i rather be late then have to deal with this woman.. i dont have pacific dates but they record all there phone conversations.. today i had it with the way she talks to me
Product: Mortgage

Almost two years ago, I modified my mortgage with Select Portfolio Servicing. At the time I applied for the modification, the principal on the loan was roughly $ XXXX. After modification, the balance rose to $ XXXX and I was told that the monthly payment would be {$1300.00}. Recently, I noticed however that my monthly payment as crept up to {$1600.00}. per month, the same amount that it was prior to the modification. I am at a loss as to why the monthly payment would increase since the interest rate on my mortgage is fixed. Also, the loan amount seems to be growing, not shrinking.
Product: Credit card

The last time I used my credit card was to a company called XXXX, on XX/XX/2023, for a specialty shampoo for my XXXX XXXX XXXX mother who I caretake. 

Someone in XXXX XXXX got ahold of my credit card number and charged almost {$700.00} worth of goods and services over a three day period in XX/XX/2023. All of these charges came with foreign transaction fees. One was for sports direct. My XXXX XXXX XXXX mom pays our cable bill. We would never charge sports direct ( were not even sure what it is but we dont have that channel ) and dont live in XXXX XXXX XXXX Further. XXXX was charged!!!! According to the credit card company, I mustve charged all these things online. XXXX!? Another appears to be for XXXX ( XXXX  XXXX XXXX ). Really? How on earth did I do that?!?!? Ive NEVER been to XXXX, nor has my mother. And all the other charges were made at the same time as these two charges! 

I will try to attach copies of my statement. I made zero charges in XXXX and have cancelled the card. Please help. I dont have a job beyond caregiving for my mother and cant afford to pay charges that are not mine as theyve obviously been made by the person enjoying their XXXX and XXXX XXXX 

Thanks for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.  I found out when I started getting calls from banks about late payments on credit cards.  I found out there are several accounts that were applied for and approved using my personal information without me giving consent.  I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.
Product: Mortgage

While researching mortgage rates, I came across this advertisement that was misleading and deceptive. I've attached a picture of the ad to this complaint. I was ready to apply for the 1.5 % rate until I learned that the APR is 1.915 % when you see the small print. I understand federal law requires a mortgage lender to advertise the APR rate at the same font size of the rate and as you can see, the APR is much smaller. This is a deceptive practice and a violation of federal law. I've decided to take my business elsewhere. Thank you.
Product: Checking or savings account

My direct deposit for XX/XX/XXXX still hasnt been processed. The deposit amount was {$1800.00}
Product: Credit reporting or other personal consumer reports

Please remove all un mailable addresses.

According to the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ), there is a need to ensure that consumer reporting agencies exercise their significant responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies, and I am the consumer. I have the right to ensure my private information is not shared, as backed by 15 USC 6801, which states : " It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A furnisher of information to credit agencies is defined as a financial institution under this title.

According to 15 USC 1681, Section 604 ( a ) ( 2 ), " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Neither Equifax, XXXX, nor the furnisher of information to credit agencies have my consent to furnish this information, and they certainly do not have my written consent. Therefore, any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

Furthermore, 15 USC 6802 ( b ) ( c ) states that " a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option.

Additionally, 15 USC 1681c ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item being reported without my permission. 







Please Provide me with your address to send My notice of demand
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX used the credit services provided by Equifax to run his XXXX credit report. 

He was in collections for {$320.00} to XXXX XXXX XXXX, account number ending in XXXX. 

The account was opened on XX/XX/2019, according to the Equifax credit report. 

XXXX hasn't given anyone the go-ahead to exploit his information, and nobody ought to have access to it either. 

XXXX is a victim to Identity
Product: Credit reporting or other personal consumer reports

I want all the negative accounts removed from Equifax. 
Equifax, did not do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, a hard inquiry showed up on my XXXX report from " FEB/Destiny bank . '' Their phone # shown was XXXX, which is an invalid phone #. The number listed on the web is XXXX, but I can not reach a real person to address this fraud. I have NOT applied for any card or credit from this company. This company MUST immediately contact me and STOP this unauthorized credit application.!