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

I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated as the accuracy and verification of the information. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please fix the accounts : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XX/XX/2022, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had a CHIME account for months and it sat around but I had my XXXX XXXX account attached and just about a week or two ago I signed up for direct deposit through CHIME and on XX/XX/21 my account was supposedly closed per CHIME but come to find out it was closed the day of my direct deposit after it was deposited. They wont give me any info on my account and I have no idea where my direct deposit funds of {$730.00} is at. Please help me my rent is passed due and I need my money.
Product: Credit reporting or other personal consumer reports

These items are totally illegal and needs to be removed from my credit report ASAP. I never authorized any of these accounts or inquiries. Please remove these items off my report. 

These accounts are not only illegal but past the statue of reporting. I have been a victom of identity theft and this needs to be removed. Please remove these illegal unauthorized collections off my report. 


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
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or  more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.
Product: Credit reporting or other personal consumer reports

I cant get my credit report from the free site and I have given my drivers license and my personal photograph and everything is still not being resolved from Equifax
Product: Credit reporting or other personal consumer reports

Today I look at my credit report and I NOTICED 3 fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX open around XX/XX/2021 XXXX owed, and XXXX XXXX opened around XX/XX/2021. I have requested more information from each company. I have put a freeze on all of my accounts. I have filed a policy report and also a report with FTC. 
During Covid we allowed a friend of the family to come stay with us for six month, This person XXXX XXXX stole Infromation like my date of birth, ssn and had access to my phone, and within a 3 month period opened 3 fraud accounts. I was a victim of identify thief,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card or prepaid card

So I am filing this complaint due to credit karma telling me I had been offered credit that I was pre approved then not approving me when I sign up. In XX/XX/XXXX and XX/XX/XXXX I have tried it 4 times because it told me I was pre approved for different cards at XXXX XXXX XXXX XXXX and each time it lowered my score. As a consumer trying to extend my credit I am owed monitory remedy for the monitory damage for being wrongfully inflicted and lied to. If I wassnt pre approved then I wouldnt have applied for the credit cards.
Product: Checking or savings account

I had business checking account with Bank of America and account name was XXXX XXXX XXXX- Account number is XXXX. Bank closed in XX/XX/2021, but I have not received my balance check which was {$6400.00}, and Bank of America is not giving me my balance so I tried to call everyday even I visit the branch every 2/3 days in a week. 
Now I want to file complain against Bank of America because I dont have enough money to feed my family and bank is also not giving me interest of my balance. 

Please please help me to resolve my problems. I am in XXXX, I lost my weight so much because of this bank. 
I do not know how Im going to survive myself and my family members. If anything happens to me or my family, Bank of America will be fully responsible for any loss of me or my family members.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I mailed Equifax a letter with a copy of my state ID asking them to send me documentation on 4 inaccurate accounts being reported on my report. When I disputed them, they were verified by Equifax as valid. It is now XX/XX/2022 and I have not received ANY correspondence. These accounts are inaccurate and are defaming my character and I would like them removed from my credit.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX I submitted a request for verifying my personal information and provided my correct personal identifying information. In return, the necessary changes were not made to my Experian and XXXX credit accounts. In fact, additional information was added regarding employment histories and an address in which are reported inaccurately and incorrectly.
Product: Debt collection

I XXXX XXXX XXXX XX/XX/XXXX am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : Failure to Comply with Fair Credit Reporting Act ( FCRA ) in Investigating Disputes. Violations of 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. To make matters worse, l have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors '' ), which highlights that Experian has a documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. XXXX XXXX # XXXX XX/XX/XXXX I sent a letter disputing XXXX XXXX EXPERIAN responded with lack of efforts to remove that account which brought me distressXX/XX/XXXXXXXX # XXXX XX/XX/XXXX. I sent a letter disputing XX/XX/XXXXEXPERIAN responded with lack of efforts to remove that account which brought me distress.XX/XX/XXXXXXXX # XXXX XX/XX/XXXX I sent a letter disputing XX/XX/XXXXXXXX. EXPERIAN responded with lack of efforts to remove that account which brought me distress. As a result of Experian 's non-compliance : * My credit score remains inaccurate, affecting my ability to get a loan as well and a House in the future. * I have been subjected to undue stress and financial hardship. Furthermore, I request that these collection accounts be removed from my credit account due to noncompliance of15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). I request that the account accountsXX/XX/XXXX AND XXXX XXXX AND XXXX XXXX ACCOUNT to Be removed from my credit report within 15 to 30 days.
Product: Student loan

Greetings, I am writing to complain about my student loans. I understand that the plan is to allow students to go to school to further their education, but the interest rates are extremely high. I will never be able to get out of debt and being that I went to college and was n't informed of the 5 years of deferment that has sky rocketed my loans. I feel that this has caused not only me, but others like me, to be in debt. I had to do a deferment for 3 months and based on the loan amount, 3 months add an additional almost XXXX to my loan. I do n't even make 2000 a month after taxes and there is no way that I will ever be able to pay this. I was not able to finish college because my mother had a XXXX during my college term and I was not able to finish because I had to drop out to help her. I am not making excuses but we are getting charged for stuff that we can not afford. We go to college with guarantees in our mental states that we will get a job, but rather then get a job we are getting high student loan rates. How is that if we have XXXX in the bank, we do not receive higher interest rates then 1-2 %, but if we owe student loan rates, they are tripling the debt? I am forced to live in a undersized apartment with my wife because we are both overwhelmed in student loan debt. We will never be able to afford a house or anything because the interest rate alone on the student loans has guaranteed us a life of poverty. I have even tried the student loan forgiveness plans and still I have come out on the bottom. My last check was {$850.00}. My part of my car note was {$310.00}, I filled up my truck for {$35.00}, I paid my {$100.00} towards my car insurance, and paid {$160.00} to cover my cell phone bill and I have less then {$200.00} left for groceries, gas, and products for my home for a two week period. I am asking for anyone that can to understand and to help with any type of assistance or forgiveness. We are out here trying to live right and to do whatever it takes to be great people to our society and we are loosing the fight against our country.
Product: Credit reporting or other personal consumer reports

I am writing to complain to TRANSUNION about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.
Product: Debt collection

the company who already has an investigation and suit against them by your office is XXXX  XXXX XXXX the original establishment was XXXX XXXX in XXXX area of XXXX *not sure if its related to the one in XXXX XXXX 
Owner/Manager of the jewelry store is looking into it ... the only purchase ever made there by a credit card in my name XXXXwhich still may be fraud was a purchase of a ring for {$240.00} paid with a XXXX  debit card ... ... now the debt which Midland XXXXXXXX XXXX XXXXy ( a debt collector for XXXX XXXX XXXX ) says I owe is {$2900.00} and are offering a settlement at 10 % off. The ring was purchased in 2018 for a total of {$240.00} Nothing was ever financed - I would not pay that much for a ring even if I wanted one and the paperwork which one would have to sign off is such that they would have checked ID and it would be several pages long. I would remember enterering into such an agreement .....
Product: Credit card

Citi credit card company is the worst! When i first applied for the card back in 2021 my credit was good. I just closed on my home. They gave me XXXX to open the account. They requested to see my income documents to open the account. After about XXXX  days they open the account with a measly {$500.00} limit. I kept the card i proceeded to never miss a payment. A few weeks ago I paid the card off in full. They email me today saying they reviewed my credit and decided to lower the credit limit!! Lower than the original {$500.00}. In these hard times XXXX can someone do with a {$300.00} limit! I canceled the card! This is an outrage!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX OF XXXX My identity was comprised and these were attempts to open fraudulent credit cards under my name. Please view attachment below of report. 

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

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXXXXXBalance : {$2500.00}
Product: Credit reporting or other personal consumer reports

I have tried reaching out to all three major credit barrels. My identity was stolen. They had wrong addresses and telephone numbers listed on my report among several accounts from XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX its about 10 accounts and I dont know over 60 or 70 inquiries, I have listed them, I also enroll my FCC report. I also filed with the identity XXXX  I also have a fraud alert on my account. I dont understand how this can happen other than the data breach from XXXX that I was a part of and was not made aware of they leaked my information, I think thats a shame if the credit bureau was late and the XXXX XXXX XXXX breach and also the XXXX data breach. My information is on the XXXX XXXX and its continuously being used and my credit is being ran several inquiries 8 to 10 accounts open collections, and I have disputed them all to no help or response from the credit bureau or the collectors fraud account and Im not aware of these accounts. I have filed with the Fcc. I am uploading my report.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from the advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1001.142 ( b ) ( 7 ). I kindly request that you block this information from my consumer report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all the listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts within 4 days
Product: Student loan

I tried contacting my loan provider, in doing so I find out my account has gone into collections. I try calling the collections company and have not been able to get in contact with anyone. I can not make a payment or re-apply for an income repayment plan. Please help at your earliest convenience. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report to the three credit bureaus with all of my fraudulent account and inquiries since I was out of the country I have had fruadulent bank accounts, credit cards and inquiries that are not mine.
Product: Student loan

The Dept of Education transferred a Plus loan from   XXXX   XXXX   year  XXXX / XXXX  to Granite State Management & Resources. I did not receive a notice of transfer. I did not receive anything from Granite State in the mail either. I did receive e-mails from Granite State indicating that I should set up an account. They did not reference an account # or the Plus loan for my son. It looked like a Phishing email, frankly. Anyway, I was not worried since on the credit application we checked that it would be deferred until after Graduation. Then, out of the blue and via e-mail only, I get a notice of delinquency and a threat to trash my credit rating. Still nothing ever in regular mail. I call them to see what this is all about and they say that the loan is due now and that I am past due for 3 payments. Why did I never receive anything, via e-mail or snail mail to this effect? Well, because I have to set up an on-line account to see the payment messages. Why are you collecting on a loan that was not supposed to be due until my son graduates? We did apply for the loan at StudentLoans.gov and we did check the option of deferring until after graduation but Granite State ignores that and just states : " Oh, the deferrals do n't always work. You can go on-line to request that ''. Nice to know. So I finally go on-line and set up an account but there is no way to defer to post graduation unless you have a hardship or low income. Is this true? First I 'm hearing about it. So much for check boxes on the application. Not wanting to trash my credit rating I had to set up payments immediately, paying past due amounts and agreeing to automatic withdrawals. I still have no explanation as to why none of this was communicated properly in e-mails or snail mail nor why I ca n't defer until after graduation. And their customer service personnel on the phone are atrocious. No explanation, no help, just " that 's the way it is ''. Please, tell the Dept of Ed. to stop selling loans to these people. They do n't seem to know what they are doing.