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

On XX/XX/2021, I created a XXXXEquifax account to get my credit report and learned Equifax had combined my credit history and personal information with another person 's ( Party B ). I contacted Equifax via its dispute number ( XXXX ) and submitted copies of my driver 's license and SSN to Equifax via its online XXXXEquifax dispute interface. 

I noted to Equifax that XXXX and XXXX  do not have this problem and correctly identify me and Party B as separate entities. Additionally, I informed Equifax I should not be privy to Party B 's information, yet I had full access to Party B 's credit history, closed accounts, current and former addresses, SSN, etc. 

I contacted Equifax 's dispute number on XX/XX/2021 to follow up. The Equifax representative said they were able to view my driver 's license and SSN in the online dispute interface, but also needed Party B 's identifying information, such as photos of their driver 's license and social security card, to prove we are different people. ( Editorial note : This seems absolutely unreasonable under normal circumstances, but I was lucky enough to personally know Party B ). 

On XX/XX/2021, I obtained Party B 's cooperation, as well as copies of Party B 's driver 's license and SSN. These were submitted via the MyEquifax online dispute interface. 

On XX/XX/2021, I contacted Equifax 's dispute line and was informed by the representative that since I was not Party B, the representative could not continue speaking with me. The representative instructed I should submit my driver 's license and SSN to Equifax, either via fax or postal mail. 

I informed the representative that both mine and Party B 's identifying information were already submitted to Equifax via the online MyEquifax dispute interface, and I was looking at it as we spoke. The representative reiterated they could not continue our conversation, as I was not Party B. Call ended with no resolution.

I asked Party B to attempt to resolve the matter. Party B informed me later that day that Equifax told them to wait 5-10 business days ( two weeks ) for the corrections to his personal information and credit history to occur confirmation of the fixes will be received in the mail. 

From XX/XX/2021 onward, I have periodically asked Party B if they have received anything in the mail from Equifax, and they still have not. Similarly, I have not received any correspondence from Equifax. 

As of today XXXX XX/XX/2021 XXXX, I can still access Party B 's credit history and personal information via XXXXEquifax. 

This matter is of utmost importance for me, as I am seeking a mortgage to buy a home, but no financial institution will lend me money if one of the three credit reporting agencies has inaccurate information about me. I have missed and continue to miss homebuying opportunities as a result of this.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred.Despite having sufficient funds when transactions were authorized I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  have garnished and illegally accessed my life and personal life
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX  Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related  information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTENTION : To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information. 
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me. 
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The terms reported is incorrect, please DELETE. 

By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute. 

Thank you for your prompt attention to this matter. I apologize for being so upset, however, your mistakes are causing me a world of trouble. 


Please DELETE/ UPDATE the above accounts as quickly as possible. 

Sincerely, XXXX XXXX SSN # XXXX DOB : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I applied for the American Express SimplyCash Plus Card. I received an email that same day alerting me that I was approved. The card arrived the following week and I began making  purchases with it. 

On XX/XX/XXXX, I went to make a purchase online at XXXX and the charge was denied. I logged into my American Express account to verify that the charge did not go through. There was a banner on my account telling me that the card was canceled. I was not aware of this, I did not request cancellation, and American Express did not send me an email or text to alert me. 

I called American Express on XX/XX/XXXX to ask what happened. They told me they had called to verify my information. Since I don't accept calls from random phone numbers, I did not get the calls. I asked them to open the card and the woman I spoke with told me that she could re-open the account and send me a new card. I agreed. 

On XX/XX/XXXX, I chatted into XXXX XXXX to confirm that the promotional bonus I had used to sign up was still attached to my account. Remember : the account I opened remained unchanged. The charges I had made were still there and all were accurate. Only the card itself was replaced. The terms of the sign up bonus were as follows : " Special Offer : Earn up to {$500.00} cash back Earn a {$250.00} statement credit after you spend {$5000.00} in qualifying purchases on your Card within the first 6 months of Card Membership. 
Plus, earn an additional {$250.00} statement credit after you spend an additional {$10000.00} or more in qualifying purchases on your Card within the first year of Card Membership. '' The terms in quotations above are directly from the American Express application page. I have saved a screenshot of the page I used as well and can submit it if need be. 

The chat rep told me that the bonus terms no longer apply because the card has been replaced. I told him that the account remains unchanged and that only the card itself was replaced. Again, I did not request the cancellation and American Express did that without my knowledge or consent. He then put his supervisor on the line and he/she repeated the same message. This is not good policy : put out an offer to entice a customer, cancel the card, and then re-open the card WITHOUT TELLING ME THAT THE BONUS WOULD NO LONGER APPLY. I only found out about this because I contacted them myself. 

For the reasons above, I'm escalating this complaint to the CFPB. 

For reference, the chat transcript with AMEX on XX/XX/XXXX is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my credit file. I requested this information to be removed and they were never removed. I will like this information investigated and removed ASAP. 
1. Bankruptcy XXXX  XXXX is listed against me. I contacted the said court and they told me there is no bankruptcy listed against my name and social security number. 
1. XXXX listed missed payment to my account I do not have any such account ever in my life and I have asked the said institution and they do not have an account with my name on it but still credit agencies will not remove it. 
3. XXXX XXXX listed a missed payment I had an account with them but I did not missed payment for 30 days but they reported me to the credit agency they told me they have corrected the record but agencies still holding it against me.
Product: Mortgage

Selling my house, got XXXX payoff statements from Bank of America and XXXX verbal amounts. All amounts agreed. This loan was modified XXXX. I asked if there was an additional outstanding loan. I was told no by XXXX BOA employees. I was told everything was rolled into the modification. The closing on the sale of this house is XXXX XXXX, and in the title search, BOA stated there was a {$22000.00} balloon payment due HUD. They would not provide title company with how to pay this off, nor contact information, nor documentation. I have never received any documentation on this loan. I was assured XXXX times ( XXXX verbal, XXXX written ) this loan did not exist. It did not show up on my credit report. I have no documentation for this debt. BOA refuses to give validation of this debt. I began this process 4 months ago, and now with just over a week to closing BOA now says there is another loan against this property. They kept the title company representative on the phone for an hour saying my signature was not valid and they would not release information to the title company.
Product: Credit card

I found fraudulent activity on my credit report in XXXX, 2015. 
I disputed the information with the XXXX credit bureaus and filed a fraud alert. 
I also called the XXXX creditors to report the fraud. ( Chase, XXXX, and XXXX XXXX. ) The companies said the accounts were being closed due to fraudulent activity. I have never heard anything else back from them. I have tried to call back and am unable to reach anyone with a record of my dispute. 
The fraudulent activity is still being reported to all XXXX credit bureaus and I have tried to dispute this information again. The companies ( XXXX, XXXX, and XXXX ) do not investigate the fraudulent activity. They call the creditors to verify it is my account and then close my dispute. They are not investigating the fraudulent charges on my account. I have not made any purchases on these accounts. ( Chase, XXXX, XXXX XXXX ) nor any payments. My credit file shows payments being made on these accounts as well, and I have checked my banks statements for the last two years and have not made any payments on any of these accounts. 

I received XXXX transaction history report from chase which was about XXXX pages long and I did not make any of the purchases on the report. 

I have not heard anything else from any company.
Product: Mortgage

This homeowner has had some issues with XXXX XXXX XXXX in reference to some home repairs that were to be done according to the homeowner the bank contracted their own contractor and paid them I have receipts. The homeowner is a XXXX and is devastated. Please help us to help the homeowner retain his home.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX APT XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

account sold to XXXX -- -paid for delete and they are still refusing to remove it
Product: Mortgage

Carrington Mortgage Services Tried to harass and force to pay so much out of me that I'm a senior citizen. I cant afford to pay or pay through a job because I've been retired since XX/XX/XXXX! They jump or raise the payments for a long time. I have stopped making the payments through one of your suggested representatives since XXXX of last year. Here are the dates, amounts, and actions I've taken since my retirement. 

CURRENT LOAN TERMAS Interest Rate : 3.12500 P & I Payment : {$540.00} Escrow Payment : {$200.00} Total Monthly Payment : {$750.00} Principle Balance : {$140000.00} **Prior Deferred Balance : {$64000.00} Total Principal Balance : {$200000.00} MODIFIED LOAN TERMS Interest Rate : 4.62500 P & I Payment : {$670.00} *Escrow Payment : {$170.00} Total Monthly Payment : {$850.00} 1st Monthly Payment Due Date : XX/XX/XXXX Unpaid Amounts : {$3200.00} Modified Balance : {$140000.00} New Deferred Principal Balance : {$0.00} Total Deferred Principal Balance : {$64000.00} New Principal Balance : {$210000.00} Balloon Payment : {$170000.00} I have stopped payments since XXXX and received my first NOTICE OF INTENT TO FORCLOSURE letter on XX/XX/XXXX. I have to pay the new amount of {$3300.00} within 35 of this letter, otherwise I'll be scoundrelly held for eviction. I've even asked my neighbor for help, which, bless her heart never knew, she would be willing to do it, but I refused to accept it since XXXX.
Product: Credit reporting or other personal consumer reports

I disputed multiple unauthorized hard inquiries on my credit report conducted by lenders associated with the following dealerships : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) In addition to these dealerships, the inquiries were also pulled by their associated lenders, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I initially contacted the dealerships and spoke to the sales representatives listed above. They denied releasing my personal information, with some stating they were unaware their companies would use my information without consent. Others advised me to contact the credit bureaus. I filed disputes with XXXX, TransUnion, and XXXX, on XX/XX/XXXX but they informed me that they could not investigate the matter and directed me to contact the individual lenders. Upon reaching out to the lenders, I was told I had no accounts with them and they could not assist me. I was redirected back to the credit bureaus, who ultimately advised me to file a complaint with the CFPB. 

I am requesting a proper investigation into these unauthorized hard inquiries and their immediate removal. If authorization is claimed, please provide proof of my signed consent and details of the permissible purpose under the Fair Credit Reporting Act ( FCRA Kindly confirm the resolution in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to notify the following agencies listed below are reporting that your company placed an unauthorized inquiry on my credit report on XXXX. 
XXXX XXXX  ( Consumer reporting ) XXXX XXXX XXXX XXXX XXXX  ( Credit monitoring agency ) XXXX : XXXX XXXX ( Credit monitoring agency ) XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have been consolidated in XX/XX/2014. At no time was I contacted in writing by XXXX XXXX XXXX XXXX XXXX about my multiple accounts being delinquent or sent to collections. XXXX is currently reporting this as a collection account. This is not only inaccurate, but it is placing my military clearance in jeopardy. 

XXXX XXXX XXXX is reporting multiple accounts as 120 days past due, all having a XXXX   balance, and all in excess of 7 years old. At no time, have I ever had any written correspondence from XXXX XXXX XXXX indicating I had past due loans. I did not even know I had loans with XXXX XXXX XXXX. 

XXXX XXXX is also reporting that I had student loan accounts with them in excess of 120 days past due, many of which are greater than 7 years old. At no time did I ever had any written correspondence from XXXX XXXX indicating I had past due loans. 

Another student loan creditor, XXXX XXXX  XXXX, is also reporting multiple loans as 120 days past due and these loans are older than 10 years. 

The United States XXXX  XXXX XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau, the documents needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of The Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted from Trans Union. Please delete the following accounts : XXXX Acct XXXX XXXX {$930.00}, XXXX XXXX XXXX Acct XXXX XXXX {$9100.00}, XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

My federal student loans were discharged on XX/XX/scrub> 2024 in Adversary Hearing XXXX under XX/XX/XXXXBankruptcy case # XXXX. I have tried to get the seven ( 7 ) federal student loans taken off of my credit report by contacting the DOE and each credit agency. However, the DOE continues to report the information as correct and has not removed the loans from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Repair Act. The list of accounts below have violated my federally consumer rights to privacy and confidentiality under 15 U.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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 602 A section states that consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer reporting agency report any of the following items of Information to any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681 ( 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 to be inaccurate.