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

I am writing to formally lodge a complaint against Equifax for their repeated failure to conduct a reasonable investigation into inaccuracies on my credit report. Given that I had just turned XXXX in XXXX, the same year as the Equifax data breach, I was not fully aware of credit reports and the importance of monitoring them frequently to ensure accuracy, I had just XXXX XXXX XXXX, I dont have any lines of credit, I was still a dependent of my mom and dad. Despite multiple disputes, Equifax has consistently provided vague statements and failed to furnish evidence of their investigations, abusing the dispute process and allowing inaccurate and disputed accounts to persist on my credit report. 

Specific Issues : 1. Equifaxs refusal to provide detailed evidence and results of the investigation after multiple disputes. 
XXXX. Requesting me to fill out a form for investigation results, contrary to the Fair Credit Reporting Act ( FCRA ) which mandates the provision of investigation results without consumer requests. 
XXXX. Contradictory information from Equifax representatives stating that they do not conduct investigations but rely on furnishers, a practice not in compliance with the FCRA. 
XXXX. As a victim of identity theft and the Equifax data breach in XXXX, my credit report has been marred by false information, causing substantial harm to my reputation and credit access.
Product: Credit card or prepaid card

When I first applied for this credit they offered a promise to charge no interest for the first year. As soon as I received my first months billing statement they denied me their promise of XXXX interest for the first year, and so on in every months statement from then on. 
In XXXX I made a full payment on the balance of about {$10000.00}, and after I finished paying the full balance i was sent on the following months bill a balance of {$100.00}, without me having made any purchases. I ended up paying that, and continued to use the card. 
On or anoutXX/XX/XXXX, i made a payment for the full balance of about {$5000.00}. The next months statement I was sent a balance of about {$500.00} in my statement without me having made any purchases. So, I closed the card, and so far refuse to pay this interest on a XXXX  balance. Capital One went on to try to access an old bank account i used to use and has been closed and attempted to collect that balance themselves. The charge did not go through, and now they are trying to tag on an extra charge based on that failed attempt to collect that I had no involvement in.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appeared on my credit report. I have no recollection of authorizing this inquiry or having any association with those creditors.
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries, i asked credit bureaus to remove them but they didn't remove them, i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}
Product: Credit reporting or other personal consumer reports

I have submitted a dispute on XX/XX/2024, the investigation took more than 30 days, the initial complaint number is XXXX
Product: Credit reporting or other personal consumer reports

unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Payday loan, title loan, or personal loan

I took out a loan with BHG to help my wife start her business. The process was fast ( too fast ) and the loan was funded within a couple days. I was charged a {$3000.00} processing fee and another {$3500.00} for life insurance to secure the loan in addition to a {$1200.00} refundable fee and a {$45.00} wire transfer fee. The interest rate on the loan is a high 14 %. I decided I want to get out of this loan early and found out that they do not allow partial payments so unless I pay them $ XXXX for the $ XXXX I borrowed, I am stuck paying interest until it is paid in full. This seems really shady. I am working to cash out some equity on my home but if I'm just a few dollars short of a payoff, I'm stuck.
Product: Credit card

Via XXXX XXXX, a general contractor advertising landscape improvement financing with zero interest rate, we secured from Wells Fargo XXXX XXXX a loan in the amount of {$35000.00}. The balance of the loan/credit card XXXX of {$17000.00} was due on XXXX XXXX, 2015. We did n't receive the statement for XXXX or any letter advising us that the balance on the loan/Visa was due in full of XXXX XXXX, 2015 otherwise we would have to pay Deferred Interest charge for {$11000.00}. The Deferred Interest or fine is more than 66 % of the balance! How can CFPB, FDIC or any agency allow financial institution to pay on consumers this way?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXXXXX : {$110.00}
Product: Credit card or prepaid card

I have a personal credit card from Capital One for many years with my social security number on it I have a couple users on it as well. A company that I work for filed XXXX XXXX I did not file XXXX XXXXXXXX they have marked my credit bureau bankruptcy they've marked my additional users bankruptcy they will not talk to me nor let me make a payment I keep telling me to call an attorney I don't have an attorney because I didn't file bankruptcy they have incorrect information will do nothing to check it out. I've never missed a payment my life anywhere there's no reason I would ever file bankruptcy
Product: Credit reporting or other personal consumer reports

I have inaccurate information still reporting on my credit account inaccurate names and addresses I would like these removed immediately and deleted. 
XXXX XXXX XXXX at XXXX XXXX XXXX XXXX Ohio XXXX. 

This is the only information that should report it on any of my credit accounts TransUnion, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 all 3 Credit Bureaus reported a Vehicle loan on my credit report 60 days late ... ... dropped my credit score over 100 points ... .I explained to them that I have never been 60 days late on this account and that it was reporting incorrectly ... spoke with agents at all 3 bureaus on XX/XX/2018 to verify the dispute ... they claim that the creditor responded that it was reported correctly ... saying I was 31 days late and that it reports 31-60 days late on my report! I asked for debt validation ... I asked what is their method of reporting ... they said everything is done electronically which is against the law ... they should have physical documents ... I also asked for the person with first hand knowledge of my account that verified or validated this to the credit bureaus ... to no avail ... ..no response was given ... I asked for a supervisor ... I was put on hold for over 45 minutes ... ..never spoke to a supervisor at the credit bureaus or the creditor ... I want this late payment to XXXX  removed immediately ... .It is completely inaccurate and has damaged my personal credit tremendously! I was recently a victim of identity theft and am just starting to rebound ... now this happens! I asked them if they had a copy of the contract or payment history ... they claim that they did ... but the creditor already told me that everything is sent electronically so I know this can't be true!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my personal information without my consent to obtain fraudulent accounts in my name without my permission. 

I did not benefit from any goods or services of these fraudulent accounts. I am requesting for the following companies to delete and remove these fraudulent accounts my credit report as well as from its system. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. IC System
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$540.00},, XXXX XXXX XXXX XXXX XXXXXXXX, CONTINENTAL FIN CO. # 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 XXXXXXXX, these were settled years ago but change and sold to several other companies. Delete ASAP
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A few years back I got a loan to pay for my XXXX XXXX XXXX  tuition, everything was fine and I had no problems. I recently applied to get a loan for my XXXX XXXX XXXX  tuition and it was denied due to collection accounts. The bureau that the lender used was XXXX. I immediately pulled my credit reports and sure enough there were two accounts in collections being reported. After careful review, I realized that the accounts did not belong to me and they were opened during the time that my personal information had been exposed. I had never obtained any goods or services from the companies. I contacted the credit bureaus and was advised that I needed to file identity theft disputes for these accounts, which I did. I filed a dispute, filed a police report and FTC report and submitted all the documents requested of me including a request to block the information/accounts in question. None of the information was blocked and 20+ days after my dispute, XXXX sent me paperwork that they had forwarded the information to the collection agencies for the collection agency to investigate. Thirty days after my dispute, XXXX sent me paperwork that the accounts had been verified as accurate. How can accounts that were open fraudulently, using me information be verified as accurate? 
Needless to say, my daughter was not able to attend college last semester due to the fact that I could not get the loan to pay for her tuition because XXXX is reporting inaccurate information on my credit report. 
I am in the midst of filing another dispute with the credit bureaus and collectors. I could just pay the debts so that my loan gets approved ; however, for me its the principal. Why would I pay for products/services that I did not request nor receive? 
Through all the polices, procedures, and legislation that Ive read about from the FTC, CFPB, and the actual credit bureaus, no matter what, it seems that the credit reporting agency can report anything submitted to them by a creditor and us consumers have no recourse. 
I have witness, notarized FTC affidavits, police reports, etc. What else do I need to do to resolve this issue? 
I am submitting my disputes again and hopefully this issue can be rectified before next semester. I just dont understand why the items in question cant be blocked until the reinvestigation is complete.
Product: Credit reporting or other personal consumer reports

The below listed companies have failed to give me the requested items within the 39 day time frame I have emailed them repeatedly to no avail. 

Listed are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XXXX XXXX
Product: Credit card or prepaid card

My wife and I both applied for the XXXX Barlclay 's credit card after being told about it by flight attendants on a flight with XXXX XXXX. We were told the {$99.00} annual fee would be waived for the first year if we used the promotional code when we apply. We both did as instructed in XX/XX/XXXX and within weeks of opening the accounts we were both charged the {$99.00} annual fee on XX/XX/XXXX. Nowhere in the terms and conditions is an expiration date to the promotion nor are there details that would exclude us from receiving the promotional discount. The promotional flier explicitly states " {$0.00} intro annual fee for the first year, then {$99.00}. '' It also states explicitly in the terms and conditions, " {$0.00} introductory annual fee the first year, after that {$99.00}. '' I reached out to customer service on XX/XX/XXXX and was told to fax information to them to start a dispute. I did as instructed and was later given case ID numbers for both my and my wife 's case. We then received letters in the mail dated XX/XX/XXXX that stated " We're currently unable to assist you with your Rewards issue. '' This appears to be a XXXX violation, specifically deception. The company is not following the terms as advertised. We were told there would be no annual fee, yet we are now out {$190.00}. We were forced to pay these fees to avoid them falling past due on our credit. The company gave deceiving terms, failed to address the complaint, and did so in an untimely manner that resulted in us having to pay the fee to avoid it reporting past due to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below violates my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

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 15 U.S.C. 1681 Section 602A states that I have the right to privacy.

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX  XXXX XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached documentation from the US Government Bankruptcy reporting system ( XXXX  ) to support my request for removal. The law states that credit reporting companies may not report a bankruptcy case on a person 's credit report after XXXX years from the date the bankruptcy case is filed or discharged. See 15 U.S.C. 1681c The date listed on the court document states initial filing date of XX/XX/2011 case # XXXX I have requested this to be removed, providing all documentation 3 separate occasions and they still have not removed it.
Product: Debt collection

XXXX of XXXX I supposedly took out a loan for {$1300.00} it is not my account and I tried to reach out the original debt owner and they are permanently closed. The debt hit my credit report in XX/XX/XXXX and I am just hearing about this from checking my credit report. I wanted it deleted and they are not getting me the information I need to file a police report. I file a dispute on the XXXX of XX/XX/XXXX and it came back XXXX of XXXX saying it's mine and they won't delete it. Prior to this placed on my credit report there was no communication about it sent via mail, phone, or email.
Product: Student loan

Was misled when I first applied XXXX. Both my school and Navient pushed us for getting this load and told us we would have no issues paying back that our payments would be low and affordable. Can't afford the large monthly payments over {$600.00} per month. I was able to get a lower payment program, however the low monthly payment does not go towards to the loan itself. With the interest rate the monthly payment doesn't pay off anything. I am basically paying Navient to not go after me. 

XXXX, Navient also temporarily sent my loans to XXXX and XXXX drained my bank account and started wage garnishment without notifying me. They say they have a signature from my XXXX, however I didn't have a husband. Nothing was signed or notified to me. I couldn't afford a lawyer to fight and advice from lawyers, was even though it was fraudulent, there was not way to legally prove it and I would spend too much money to lose XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent written letter to XXXX XXXX ( inquiry date XX/XX/2020 ), XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX notifying them that my XXXX  credit report showed unauthorized hard inquiries they had made and that I was not aware of. I requested that these inquiries be removed immediately. These inquiries have been cited recently as a reason that I am not able to be approved for credit. I also sent a copy of my XXXX  credit report showing the inquiry. In addition, as per the instructions from the FTC, I sent a written notice to XXXX that these inquiries were unauthorized. As of today XX/XX/2020 the unauthorized inquiries have NOT been removed. 

As the names of the companies and the dates of the inquiries are clearly shown on the credit reports, the facts are clear that these companies are the correct companies to contact and are the correct companies to remove the inquiries. This is indisputable and a violation of FTC statute, so I am requesting an immediate removal from my credit report before further damage is done.
Product: Debt collection

My wife received a call and voicemail regarding her potential qualification for a student loan forgiveness program through " Direct Account Management. '' We went through with it and have the understanding they are a scam. They have my checking account info and I am scheduled to make payments of {$200.00} today and on XXXX of each month for the next 5 months and $ XXXX/month for 240 months.