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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year> : XXXX | XX/XX/year> : XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX | XX/XX/year> : XXXX XXXX XXXX | XX/XX/year> : ( Original XXXX XXXX XXXX  ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Checking or savings account

on XXXX XX/XX/XXXX I opened a cd with Goldman Sachs XXXX, it has been a problem ever since. this was a penalty cd opened at 5.15 % for 12 months. on XXXX XXXX, they charged me back up withholding when I am not subject to back up withholding. I have called them numerous times to request this be stopped. I have spoken to so many rude nasty people that won't help me and they keep saying they can not authenticate me. I have been banking for XXXX years and have never come across this problem. for two weeks now I have been trying to authenticate me. They continually tell me that I am not verified. They have locked me out of my account repeatedly and won't help me. I had to get a signature card to terminate the backup withholding. that took 6 days. then they sent me a letter dated XXXX XX/XX/year>, that if I suffered hurricane damage from hurricane XXXX, that I could release the cd with no penalty. I am still locked out and can not get anything done.
Product: Credit reporting, credit repair services, or other personal consumer reports

every investigation equifax does takes over 30 days. had this issue for ten years now. ongoing everytime I submit a dispute now..90 days plus ... no notice and no explicit reason given for the unverifiable dispute to take so XXXX long. If things can not be responded to in 30 days then they need to be purged- no bureau is willing to purge wo a lawyer breathing down thier neck. 

XXXX, XXXX XXXX, XXXX, XXXX CAN NOT BE CONFIRMED. they ttok 90 days to reply to me after begging, XXXX XXXX over 9 mos. XXXX also needs to go away. no reply over 6 mos from me alone. XXXX XXXX accounts are still showing after they " removed them '' as fraud and claimed I owed nothing. I am still 6 mos later waiting for a refund from XXXX XXXX. They refuse to comply and seem to run a " home office '' to harass people about debts not owed. I want my {$550.00} back.
Product: Money transfer, virtual currency, or money service

They keep send me the same auto message over and over and holding me from sending my securities
Product: Credit reporting or other personal consumer reports

1 ) REMOVAL OF ALL FRAUDULANT INQUIRIES ON MY CREDIT BUREAU, WHICH ARE ON MY CREDIT REPORT AS HARD INQUIRIES. I DID NOT AUTHORIZE THESE INQUIRIES, I HAVE FILED MULTIPLE POLICE REPORTS, IN MULTIPLE JURISDICTIONS, AND HAVE THESE FRAUDULENT INQUIRIES REMAIN ON MY CREDIT REPORT FRAUDULENT INQUIRIES ( 9 ) : 1A. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please Remove It From My Credit Report.
Product: Credit card

None of your topics fit but here we go. 

In XXXX or XXXX I applied for and received a VENMO Visa credit card. It was approved and I was given a XXXX credit limit. As my credit improved, I was able to get credit cards with better rates so while I still have the card, I do no choose to use it at this point in time. The apr is almost 30 %. I have not used the card since XX/XX/XXXX but I have purposely not closed the card and would not. 

I was shocked to get an alert that a creditor had decreased my credit limit - as my income and score are ( or was ) better than ever. Pull up my report and my score dropped several points because VENMO cut my credit limit from XXXX to XXXX. 

I was floored- I am XXXX XXXX XXXX and this has never happened to me before. I contacted Venmo and they admitted that it was due to the fact that I have not used the card since XX/XX/XXXX that they dropped my credit limit. 

My credit score is now being penalized because I AM NOT drowning in debt? I don't understand how this can be ok.
Product: Mortgage

I applied and was approved for the XXXX program in FL. Ive been told my payment was sent to my mortgage company but it has been a month and not posted to my account.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have sent multiple letters via certified mail and also sent a dispute on the Experian website to delete someone else address from my credit report. I sent a letter advising that according to : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

Under the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer with a right to privacy. Not granting me my rights violates 15 USC 1681 and all its subsections. 

Experian is reporting inaccurate information on my credit report, and I have requested multiple times to remove someone else 's address from my credit report. They continue to say that the address is correct, which I tell them is not. I know that Experian is only going off systems codes to verify information and not looking at their XXXX XXXX database to confirm if any information is accurate on my consumer report. I request that Experian remove XXXX XXXX XXXX, XXXX, TX XXXX, from my credit report!
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS BEING MISMANAGED BY THE CREDIT AGENCIES SINCE THE CREDITOR IS SENDING INACCURATE INFORMATION WHICH IS SIGNIFICANTLY AFFECTING MY ABILITY TO GROW MY CREDIT SCORE THE HIG BALANCE OF THIS ACCOUNT IS INACCURATE THE LAST ACTIVITY IS INACCURATE THE CLOSING DATE IS INACCURATE IN ALL 3 CREDIT BUREAU AND THE ACCOUNT RAITING IS INACCURATE I DEMAND THAT THIS ACCOUNT BE DELETED FROM MY CREDIT BUREAU SINCE IT IS REPORTING MOST OF ITS INACCURATE INFORMATION XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

I left XXXX XXXX at XXXX on Thursday XX/XX/XXXX I traveled to XXXX. Before leaving, I called Chase Bank to let them know that I would be gone in XXXX until XX/XX/XXXX, and then I would travel to XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, and that I would be back to XXXX XXXX XX/XX/XXXX. The operator made a note on my account and I specified that I was letting them know to avoid having my card blocked as I would really need it. Today is Saturday XX/XX/XXXX and as I was trying to order a pizza, my card didnt go through. I then called the fraud prevention team. They didnt try to ID me, instead they asked me to go to a branch so a banker could ID me and override the lock on my card. I explained to them that I wasnt able to do that because as I explained before I left, I was in a foreign country. I spoke to 4 different people included the international team, none of them asked me for any information to ID me. I then called a banker that notarized a document for me on XX/XX/XXXX, XXXX XXXX of the XXXX beanch, who proceded to make a 3 way call with someone on the phone from Chase. Again, besides asking for my name, no attempt at IDing me was made. When XXXX XXXX asked if there was any record of me calling to advise that I would be gone for 3 months, the agent on the phone said that she wasnt able to give any information from the account while [ I was ] on the phone and that I needed to go to a chase branch. I am now stuck in a foreign country without funds and ways to eat or even survive and Chase wont do anything to help regardless of the fact that I have been a client for 7 years and that I did what I was supposed to on my end. They never asked me for anything else than my name and card number, both of which I was able to provide. I asked them to please try and ID me and they were unable to do so. Please help me I need to be able to use my card
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting the account as open when the account is closed. And I asked them to provide proof of validation of the account that shows a legal binding contract with me and the creditor I wasnt provide anything. But the account was deleted off my XXXX, and XXXX credit report but not my XXXX report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received an email from XXXX XXXX that I was 60 days late on payment. I paid this card off in XX/XX/2022, had not activated the new card so I was confused. I called the company and they stated it was annual monthly fees. I had no idea they charged this monthly so it was reported to the credit bureau past 30 days and it dropped my score XXXX points!! I have worked hard to build my score so I contacted them about removing this from my report as I have never been late before and was unaware of this monthly fee on XXXX and XXXX they stated they would contact the bureau but this is still on the report and my score has not been restored. Please help.
Product: Credit card or prepaid card

XX/XX/2022 I purchase two {$100.00} prepaid XXXX XXXX and XXXX XXXX XXXX. I was unable to spend them it kept showing no money. available. I phone XXXX on XX/XX/XXXX and reported it. I provided them with the card numbers and I was told the cards had been used to pay XXXX insurance and XXXX. I advised I never used the cards and they were presence the entire time. I was told a fraud investigation would occur and I would be emailed documents in 7-10 days to complete and return. I was provided a claim number. I never received the emails. 
I phoned a second time and spoke with a representative provided my claim number and was advised the same scenario and to look for an email from XXXX. Today no response.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ), the Department of Government Efficiency ( DOGE ), XXXX XXXX ( a private citizen of the United States ) and his associates. This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security.

I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : My academic records and personally identifiable information ( PII ).

My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 

My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CContacted the us department of education loan services and explained the error and that i haven't receive any communications from them regarding my status.I enrolled in the income drive payment plan. 

XXXX notified XXXX, XXXX, and tranunion the error
Product: Debt collection

Car was broken in to, and wallet was stolen. Someone stole my identity and created XXXX XXXX accounts. Called Enhanced Recovery spoke with XXXX XXXX ( Service Rep ) and XXXX XXXX  ( Supervisor ) they said they could not find me under my Social Security number. I told the company this was fraud.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

On XXXX XXXX, XXXX, I attempted to re-finance my XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, CA. I was doing this so I could get a lower payment amount by starting a new loan even though the APR would increase by about 1.5 %. 

I have made all payments on time. I have made all payments on ALL of my credit cards on time as well since I have re-established my credit. 

Apparently, I 've opened too many charge cards ( 6 ), and my credit score has decreased by over 100 points even though I pay them on time. 

So, how is it that the credit bureaus can just keep lowering my credit score just because I am " using '' my established credit? A balance increases on a credit card  ; they take points off of my FICO score. I make more than the minimum payment every month, but they do n't increase my credit score for that. I get a new account ; they lower my credit score. I have an inquiry, they lower the credit score. How is it that I get punished for NOT making payments, but I do n't get credit for making my payments timely? 

I 'm XXXX years old, and I rent a town home. I am a veteran, and I qualify for a zero down VA loan. BUT, I ca n't get financed because my score just keeps going down even though I make my payments timely. I need to move my mom in which means needing to move, but the rents here in CA have skyrocketed to ridiculous amounts. I use my cards to help my mom with medicines etc. I 'm being punished for it, and it 's taking a toll on my emotions. 

Do you have any suggestions? 

XXXX XXXX XXXX
Product: Debt collection

Consumer has requested to have XXXX XXXX acct. removed or have inaccurate information updated or remove, this account should have never been reported as derogatory.
Product: Credit reporting or other personal consumer reports

Dear Transunion : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. Under 15 USC 1666B this is a billing error always payee as agreed on time this is an error this account in violation XXXX XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Discover closed my credit card even though I have been making payments on time. They emailed me in XX/XX/year> about the need for me to consent to verifying income information. I am a single mom with a XXXX XXXX and I wasn't able to get to that email immediately. I wasn't even sure if it was a legit email and not spam. They did not send that request by regular mail. They closed my credit card in XX/XX/year>. They did not give me enough time to respond to their request to verify my income information. I called to verify my information XX/XX/XXXX and Discover refused to reopen my account. 

Can you help me re-open my Discover card? I don't want my credit score to get a hit if it remains closed. I plan to continue making payments on the balance.
Product: Debt collection

I have requested several times over the last six months to the credit bureau and the debt collector to verify and validate this debt. I have not received the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, I checked my personal credit report, which I acquired several unauthorized inquiries.I contacted the creditors who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I have certified letters receipts where I have made three requests within this year and 5 last year.

I have requested that an investigation into inquiry on my credit report to determine who authorized the inquiry. I you find the inquiry referenced above to be invalid, due to lack of evidence and not receiving a thorough description of the procedures used in the investigation within 15 business days of the completion of the investigation. This is now the fourth request in the past 15 months and it has since been 120 days since the last request. 
The inquiries were removed and sent to all three bureaus to be updated but Transunion is the only bureau that have not removed the inquiries and have submitted a dispute several times. 
The inquires and dates are listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX My second reporting issue is closed accounts I requested be removed. 
Below are closed accounts that have been closed only due to name change of an organization or being sold to another company. There are also debt that I corrected and sent copies of the information to transunion showing the account is still closed but is no longer negative and they refuse to remove it. 
Here are the accounts with XXXX  balances. 
XXXX XXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX