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

Hello, Last month I received notification on my Equifax report that my credit score dropped XXXX points from XXXX to XXXX. I checked my credit report and noticed an open account was listed under XXXX with a balance of over {$20000.00}. This is fraudulent and I conducted an online dispute with Equifax, but after their investigation they would not remove the fraudulent account, stating it was legitimate. I called the XXXX 's customer service number ( XXXX ) on XX/XX/XXXX and spoke with XXXX ( Operator ID XXXX ) and explained the problem. She confirmed that there were no active accounts currently open in my name with XXXX, with the only account listed was a closed account I had from XXXX. I told her that I have a pdf with the results from Equifax where they stated I had an open account and a {$20000.00} balance, and she informed me that I needed to mail this information along with a letter in writing to this address, which I did to the address below : XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX Delaware XXXX I then called Equifax directly after that ( again on XX/XX/XXXX ) and was told that they only thing they could do was to dispute the dispute. So I opted for that route and was told it would take another 30 days ( dispute # XXXX confirmation # - XXXX ) I don't know where else to turn, but I have literally spent now over 13 hours between research, holding on the phone and talking with various people ( in addition to placing fraud alerts on my account ) and I have gotten no where. XXXX 's literally has stated they have no open account in my name in their system, yet Equifax refuses to do anything. Please remove this fraudulent activity from my credit report. The Equifax dispute report that shows the account information is attached, with a summary below. 

Last 4 of account number XXXX. 
Date Opened XX/XX/XXXX XXXX XXXX- {$20000.00} XXXX XXXX- {$21000.00}
Product: Checking or savings account

I had an account opened in my name with someone that used my identity. I reported fraud to Bank of America and they have yet to send me the information on how the account was opened. Ive spoken to the fraud department several times. Im speaking with them now on XXXX - XXXX from XXXX Bank of America Fraud department. 

I keep getting statements from Bank of America. 

I provided an email and they are sending again. I need Bank of America to close my account and stop sending me statements.
Product: Debt collection

AD ASTRA RECOVERY HAS CONTINUED TO CONTACT ME FOR A DEBT THAT THEY CLAIM I OWE. I HAVE SENT NUMEROUS LETTERS TO THE COMPANY ASKING TO RECEIVE DOCUMENTS SHOWING MY SIGNATURE AND AUTHORIZATION OF TAKING OUT A LOAN WITH THEIR COMPANY AND THEY HAVE CONTINUED TO NOT ACKNOWLEDGE MY LETTERS. THIS COMPANY IS REFUSING TO SUPPLY ME WITH DOCUMENTATION OF THE DEBT BECAUSE THEY DO NOT HAVE DOCUMENTATION TO PROVE THE DEBT IS VALID. THIS IS NOT THE FIRST ATTEMPT I HAVE MADE TO TRY AND RESOLVE THIS MATTER WITH CREDIT DISPUTES. I HAVE INFORMED THEM TO STOP ALL CALLS AND COLLECTIONS ATTEMPTS AND TO CEASE AND DESIST AND THEY CONTINUE TO VIOLATE MY RIGHTS AS A CONSUMER. THIS COMPANY HAS NUMEROUS VIOLATIONS OF FCRA, FAIR DEBT COLLECTION PRACTIVES, AND TCPA. I AM REQUESTING THAT THE CFPB INVESTIGATE THEM AND THEIR PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C. 1681 has violated my rights 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. 

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

15 U.S.C 1681 section 604A 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 ) sections states. No consumer reporting agency may make any consumer containing any of the following items 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: Student loan

I applied to change over to the new SAVE repayment plan in XX/XX/XXXX before loan payments were set to restart in XX/XX/XXXX. My application was not timely processed. I received a XX/XX/XXXX letter indicating I was being placed on " administrative forbearance '' while the SAVE application was being reviewed. On XX/XX/XXXX I called and spoke with MOHELA after a 3-4 hour wait on hold. I told them that I did not want to be placed on forbearance if those forbearance months would not be counted towards the 120-month PSLF loan forgiveness threshold, even if it meant I would pay more for another month or two. They confirmed I would owe {$430.00} on XX/XX/XXXX and that they would process my SAVE repayment plan application timely. Well, they didn't take me off the forbearance, there was no payment shown as due and owing on my MOHELA website account for XX/XX/XXXX despite what they had told me on the phone, they didn't process my SAVE application, and I received another letter stating that XXXX and XX/XX/XXXX would not count towards the PSFL 120. 

I had called them again on XX/XX/XXXX. They promised me the SAVE application would be reviewed and have a decision within 7 business days. It was not, but at least they got it done this month. I received a letter stating my XX/XX/XXXX payment would be due at the rate of {$430.00}, and I just paid that today XX/XX/XXXX to avoid any credit reporting issues or missing another month towards the PSLF 120-month forgiveness threshold. On the XX/XX/XXXX phone call, I explained that I had seen the news about Biden and the Dept of Education requiring MOHELA to count " administrative forbearance '' months towards the 120-month PSLF requirement. The customer service person tried to argue with me that I was not actually on an " administrative forbearance '' but rather a " processing forbearance '' despite what their own XX/XX/XXXX letter to me stated. I received a letter confirming they were not going to count XX/XX/XXXX and XX/XX/XXXX towards the PSLF 120. I was also annoyed that I was not going to be paying at the new SAVE repayment rate for XX/XX/XXXX despite submitting my Application in XX/XX/XXXX and being told it would be promptly reviewed when I called in XX/XX/XXXX. 

Today I received a letter stating that my SAVE Application was approved, but I do not believe they calculated my repayment rate correctly. The repayment plan estimator calculator says I should be paying about $ XXXX. I make approximately {$62000.00} gross, and my husband and I file taxes as married filing separately. He has paid off his student loans. We have no dependents. We live in Illinois. The SAVE Application approval letter I received indicates my monthly rate starting XX/XX/XXXX will be {$250.00} instead of about {$160.00}. I can not afford to spend another 5 hours on the phone for them to keep lying to me, so I am trying to get help here at the CFPB. 

My husband 's name is XXXX XXXX, and you have my consent to speak with him as well. He is a lawyer and kept notes on all of these events, phone calls, and letters. His contact info is : XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

Improper information is showing on my credit report 15 U.S.C. 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports. To do this, the consumer must notify the credit reporting agency of the inaccuracy or misstatement on his/her credit report in writing ( i.e. a written letter ). I recommend that a consumer ( you ) send this dispute letter via certified mail return receipt requested so that there is proof that the dispute letter was mailed and that the credit reporting agency received the letter. Knowing when the credit reporting agency receives the letter is very important because there are certain deadlines that the credit reporting agency must meet ( described below ). The date deadlines begin on the date that the credit agency receives the letter. With this letter, the consumer should include copies of any documents that indicate that the reported information is inaccurate ( never send the original documents ) ; the letter should also include the consumers complete name, and address ; clearly identify each item that is inaccurate and is being disputed on the credit report along with an explanation why the item ( s ) is incorrect and being disputed. It is important to specifically describe each item that is being disputed and why that particular item is inaccurate, incorrect, or incomplete. A consumer must also state that the disputed items must be corrected or removed from the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling a copy of my Consumer credit report I noticed that the credit agencies are in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the investigation. 

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

I've been disputing my credit file with Transunion, XXXX  and XXXX  to correct the errors found on my credit file that they disseminate. The XXXX credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts listed in this complaint. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, previous account + collection account reporting derogatory, Re-Aged accounts, Moreover the open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving account high balance does not coincide, XXXX  reports {$0.00} HighBalance on all my revolving accounts. TransUnion Last payment does not coincide with TransUnion payment data history, XXXX  does not report my monthly payments made in the historical payment data history on any of my accounts. This type of recording is negative and damaging to my credit score and report and is in violation.
Product: Credit reporting

This is a formal complaint that Equifax is NOT reporting accurate credit information. An account was placed under my name erroneously. Since then, Equifax has damaged my name, and my credit. Equifax has entered derogatory information into my credit file. 
A request has been made for the company to provide validation of this debt. So far, the company has not comply with this. The current account is a false account which I 'm not responsible for. 


Account name XXXX Account number XXXX .... 



Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit card or prepaid card

Account was opened in my name without my permission- Refer to The Below Alert I have been made awareness of the responsible person is that has been using my identity for some time now without consulting with for my permission or anything of that nature.. 

XXXX REPORT STATES : Account Details High Credit {$18000.00} Owner UNDESIGNATED Credit Limit {$32000.00} Account Type REVOLVING Balance {$1700.00} Date Opened XXXX XXXX, XXXX Amount Past Due Date Reported XX/XX/XXXX Actual Payment Amount Date of Last Payment XX/XX/XXXX Date of Last Activity Scheduled Payment Amount $ XXXX Months Reviewed 12 Delinquency First Reported Activity Designator Creditor Classification UNKNOWN Deferred Payment Start Date Charge Off Amount Balloon Payment Date Balloon Payment Amount Loan Type Flexible Spending Credit Card Date Closed Date of First Delinquency Comments Contact CITICARDS CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting or other personal consumer reports

i will never but never do business with XXXX XXXX 
this company is a living XXXX. 
i disputed muti times with all credit agency they go back and state i have a balance i already paid this account last month. so the company states there is a balance i will include the XXXX sheet. Please follow up with all XXXX-credit reporting agency. 
Please update or remove the account for corrupt.
Product: Mortgage

I received a Debt Validation Notice dated XXXX/XXXX/2016 From XXXX XXXX XXXX for my loan with Wells Fargo Bank for property located on XXXX XXXX XXXX XXXX Ca XXXX. I disputed the debt validation in a letter dated XXXX XXXX, 2016 as result of Wells Fargo being in receipt of a check in the amount of {$4700.00} which they have held since XXXX 2016, a check which Wells Fargo Bank was directed to apply to the XXXX delinquent mortgage payments. 
To Date : Wells Fargo has not applied the monies to the account which I sent, moreover, they are not disclosing where the money is being held, yet they are moving forward with a foreclosure on the home, despite the fact the home is up for sale and it has been brought current within the last 6 months. 
I received a letter dated XXXX XXXX, 2016, from XXXX XXXX XXXX the attorneys for XXXX XXXX XXXX who informed that a Substitution of Trustee had been executed by Wells Fargo appointing them as the new Trustee, however, after a closer look at the document it fails to disclose who is being substituted out, there are additional flaws with regards to the authority of the substituted with this document. 
Please see the notices sent to me from Wells Fargo Bank regarding the delinquency of the mortgage loan, as I am on the Deed of Trust and the only one who has made been making the mortgage payments in for the last two years. My former Trustee was XXXX XXXX XXXX XXXX who 's entity number is XXXX who 's jurisdiction is in Texas : There is no mention of XXXX Default XXXX XXXX, in the Substitution of Trustee, however, Quality refers to XXXX XXXX XXXX XXXX as the entity who was the parent company ( XXXX ) who has surrender their corporate status. It appears to me that there are deliberate acts to confuse and to take the property which is in a predominately minority neighborhood.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some accounts are incomplete and inaccurate. I asked for a validation of this debt according to FCRA which ensures the accuracy of consumer credit reports and specifies timeframes for the reporting of certain information.

15 USC 1681a ( b ) Maximum Possible Accuracy of report 15 USC 1681i ( 7 ) Description of reinvestigation procedure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DUPLICATE ACCOUNTS BEING REPORTED
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies. In my credit report, despite my submissions, Experian consistently responds within XXXX hours, stating the account is accurate without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act or XXXX XXXX. XXXX, XXXX, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions XXXX also contravene the consumer financial protection act ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX XXXXXXXX ) against them for similar violations, I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting

1. XXXX was paid in full in XXXX and was not a collection account as of the end of XXXX. It was a collection account in XXXX only. inaccurate reporting by Experian. 
2. XXXX XXXX - {$7400.00} was not the amount written off and account was settled and paid in XXXX XXXX, account was not a charge off in XXXX XXXX, it was already paid. 
3. XXXX XXXX - terms not identified, date of status is not XXXX XXXX, charge off was not {$3500.00} and past due {$3500.00}. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file.
Product: Credit reporting or other personal consumer reports

This evening, I was shocked to see inaccurate accounts appear on my credit report with no explanation. I check my report regularly, but this time, unexpected discrepancies suddenly showed up. I request that the documents I've provided be thoroughly reviewed so I can finally feel reassured and stop worrying about these types of issues on my credit report.
Product: Credit card or prepaid card

I have had my secured credit card with capital one for XXXX XXXX XXXX XXXX XXXX XXXX  ). I made a {$200.00} deposit when opening this account which determined that the credit limit would be {$200.00} ( years later I deposited another {$100.00} making the credit limit {$300.00} ). When I started this account, I was under the impression that I was paying {$200.00} upfront and XXXX XXXX  in exchange for this card eventually being changed to an unsecured card and that I would receive my deposit ( s ) back. According to capital one faq : " Capital One refunds security deposits in two ways : You can earn back your deposit as a statement credit by using your card responsibly. Or it will be refunded when you close your account and pay your balance in full. '' I have never missed a payment. After 12 years, I'd assume that means I have been using my account responsibly. This card should have been made unsecured and I should've received the {$300.00} back by now
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort.

The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question.

Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Employer - XXXX XXXX, XXXX XXXX  Incorrect Name : - XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, NY, XXXX Incorrect XXXX : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX  Your organization is in breach!

According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy rights.

15 U.S.C. 1681 Section 604 A Section 2 also stipulates that a consumer reporting agency can not provide an account without my explicit written consent.

Furthermore, as per 15 U.S.C. 1681c. ( a ) ( 5 ), it is prohibited for any consumer reporting agency to include certain adverse information in a consumer report, except for records of crime convictions older than

seven years. Additionally, under 15 U.S.C. 1681s-2 ( A ) (
1 ), it is illegal for any individual to provide inaccurate consumer-related information to any consumer reporting agency, if they are aware or have reasonable cause to believe that the information is incorrect.
Product: Bank account or service

I received a check from a customer for XXXX i made a deposit into my account check was returned due to NSF, bank froze the account and closed it after investigation i was given the balance in the account and was told it is being closed for fraud because i am associated with the company which wrote the check with NSF and i was also reported to XXXX due to which i am unable to open any personal bank account. It is untrue i did not had any association with XXXX that is the company which wrote me the check, I am attaching the supporting documents, In-fact I have a lien on the owners primary residence of XXXX and the owner just filed for chapter XXXX Bankruptcy. Please see the attached supporting documents.
Product: Credit reporting or other personal consumer reports

I have an Experian account and I dont have a credit score. No one will help me be able to build credit. I have XXXX meeting. I have a good amount of money every month. Why is it that because I dont have a score I dont have an opportunity to get a simple measly {$300.00} credit card so I can start building my credit? Experience says I have XXXX hard inquiries and there are XXXX addresses. Its just so inaccurate I signed up for their free credit monitoring and there is no help whatsoever. XXXX sent me a card and then denied me because they go through Experian. This is again. This is discrimination. They want to keep the pour down. If I dont have a credit score, but I make an income. Why wouldnt they inquire if I have an income I could have {$1.00} XXXX without his credit score and not be able to get a credit card! I cant submit what I earn every month to any credit card I keep getting denied left and right its not fair. Its discrimination and something needs to be done about these three agencies that are controlling peoples lives, especially Experian.