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

XXXX CARD - XX/XX/2020 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Open XX/XX/18
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint due to new evidence. I have sent to Equifax disputing letters several times regarding to this matter, from my last time of dispute they responded through CFPB portal like they don't see the account on my report that I disputed. I have carefully looked on my report from XXXX XXXX report by Equifax and I checked my report from Equifax from different source of credit reporting, I see how they report differently but the same account, which on top of everything not mine. For your convenience I have attached a copy of my report from XXXX XXXX and another website, as you can see only Equifax keep reporting tis item on my report and refused to do fair investigation. 
The name of account is XXXX XXXX. on XXXX XXXX it shows like XXXX XXXX CT XXXX doesn't show account number, but shows date of opened XX/XX/2015, while another report shows XXXX XXXX date opened XX/XX/2015, HOW ITS POSSIBLE?? It is clear inaccurate info. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing a
ny of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.

According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy a. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, 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 item from the 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 reseller.

Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that this is inaccurate account information means that you, this credit-reporting agency, are reporting incorrect account. ONLY EQUIFAX HAS REPORTED THIS ACCOUNT ON MY REPORT.

As I previously said, and I'm sending documents to proof my statement : Police Report, Affidavit, FTC report, SSN, ID, proof of address.
Product: Debt collection

Despite my attempts to clarify the validity of these debts with XXXX XXXX XXXX XXXX XXXX XXXX, they have failed to provide any documentation confirming the legitimacy of the reported charges. Upon reviewing my credit report, these accounts are incorrectly marked as charged off with a balance due. I kindly urge you to provide proof of the charge-off status for these accounts. If you can not provide such evidence, I insist on the immediate removal of these accounts from my credit report. XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX ( Original Creditor XXXX ) XXXX. Please remove these fraudulent accounts in my credit ASAP. I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I am the person making this complaint & I give cfpb authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I faxed SageStream LLC, a letter and provided required documents to have a Security Freeze put on my credit & consumer reports. I then sent via USPS certified mail, the same items, along with receipt of the fax being completed. On XX/XX/XXXX, I called and left a message - the message stated my call would be followed up within one business day. It was not. On XX/XX/XXXX, I called and left another message - the message stated the same " would be followed up within one business day. '' It again, was not. On XX/XX/XXXX, There appeared to be an online portal, which allows you to put a security freeze on your reports. I did this, and wrote another letter, which was sent via USPS certified mail. I have provided copies of the USPS Certified Mailing, showing the items were delivered. As of XX/XX/XXXX, No Security Freeze or Fraud Alert requests has been provided to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to update to show payments made.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : XXXX, Equifax Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-off for XXXX XXXXXXXXfrom XXXXXXXX XXXX XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action.

Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly.

Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
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 confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Name : XXXX and list of Inquiries 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 XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 or other personal consumer reports

Please see the attached document regarding proof that the XXXX XXXX Police Department has received my FTC Identity Theft Report as evidence of my dispute, along with my FTC Identity Theft Report and proof of identity.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX XXXX filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Debt collection

This account is paid and fully closed and Im not so sure why this account still shows on my credit report. I want and seeked to get it removed from my credit report.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Credit reporting or other personal consumer reports

Credit inquiries to my credit report That I didn't recognize address that I have not leave at for over XXXX etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to Experian multiple times that they have out dated accounts still being reported on my credit report. Each month Experian workers have deleted and updated information with out proper investigations according to FCRA USC 1681 ( i ) I reported XXXX # XXXX should have been removed because the account became delinquent in XX/XX/XXXX. This would put it beyond the 7 year allowance according to the FCRA. When I disputed this fact Experian then deleted the pay history. This is on the Report # XXXX dated XX/XX/XXXX. Experian deleted all of the dates I disputed. This is fraud. 

I then resent in the copy by Consumer Financial Protection Bureau and received another altered updated report and not a re-investigation according to my FCRA rights. Experian then added account balances to the account for years in which they have reported the account to be closed. They reported Account Balances and Actual Payments made through out XX/XX/XXXX,XX/XX/XXXX and XXXX. How can this be if this account was closed according to Payment History was XX/XX/XXXX.  This is fraud. 

I want this deleted off of my file. I want this re-investigated and delete this account immediately. I also want copies of all files pertaining to this file and whom you collected data from. 

Experian has not verified the Terms, Monthly Payment, Credit amount, they have erased everything that is suppose to be listed
Product: Student loan

I graduated in XXXX 2010 with over {$100000.00} in student loan debt. My loan payments to-date, per month are nearly {$1000.00}. I have paid every month nearly {$1000.00} since graduation and my student loan principal has not gone down, it has increased in fact. I tried several times to refinance or have my payments lowered based off of my income and I was told multiple times that my monthly payment is the lowest they can allow. I have paid almost {$84000.00} to-date and have nothing to show for it expect a higher debt. XXXX XXXX and now Navient did not work with me to lower my monthly payments or even lower some of my 12 % interest loans.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred. The spy, 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 Credit Union For similar practices, where transactions settled with insufficient balances despite initially available funds. I also want to make a complaint about my credit card being charged more than my total credit limit and the consistent interest being added onto an account that should not have been approved for an amount more than what was available. I am also curious as to why my owed balance is in a positive number if thats whats negative from my account. It doesnt make sense. I believe these practices are unfair and request an investigation into my account transactions.
Product: Student loan

In XX/XX/XXXX I graduated from XXXX with a {$9000.00} loan. I was given a gift of {$2000.00} from my parents upon graduating which I put towards my loan bringing it to {$7000.00}. Myself and other colleagues where let go from our position due to downsizing and I requested an income based payment option. The person at Navient said they would lower my payments but failed to mention that {$2000.00} was going to be added to my principal. Also my payments from XX/XX/XXXX-XX/XX/XXXX was mismanaged as I was making payments on the interest alone and nothing was going towards the principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a inquiry that showed up on my credit report, I found out via a alert from XXXX. 

I have not applied for any cards with XXXX and I contacted them the day I found out and they said they would remove. This was over 30 days ago so I need to take other action. This inquiry is adversely effecting me and trying to get a car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WOULD LIKE TO KNOW THE REASON WHY NOTHING HAS BEEN DONE BY ETHER AGENCY ABOUT THE XXXX 'S XXXX/XXXX ACCOUNTS WHICH IS REPORTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL ATTEMPTS TO GET THIS ACCOUNT REMOVED OFF OF MY CREDIT REPORT, STILL NOTHING HAS BEEN DONE ABOUT THIS MATTER. I DEMAND TO KNOW WHAT'S GOING ON AND PLEASE REMOVE THIS ACCOUNT OFF OF MY CREDIT REPORTS BECAUSE IT IS REALLY GETTING IN THE WAY OF CERTAIN GOALS I WANT/NEED TO ACHIEVE. IF THIS ACCOUNT IS REMOVED IT WILL REALLY HELP OUT A LOT.
Product: Mortgage

I have a complain open No XXXX against Bank of Texas XXXX A few days ago I received through regular mail, A package from Bank of Texas with my physical address on it, but addressed to XXXX XXXX, which I do not have an idea who that person is. I did opened believing it was a mistake on the witting address. It consist of several pages, the first it is a letter from XXXX to XXXX XXXX ( please see document attached ) talking about his case. In the last page shows a copy titled " Uniform Underwriting and Transmittal Summary '' which you can see XXXX XXXX 's information about his loan where include his address and his Social Security Number. This is a very serious matter. It makes me believe XXXX is totally careless about sensitive information and that my own information has or could be sent to a different person who can bad use of my sensitive information for the lack of ethics XXXX has related protecting his customer 's information. I am sorry, it seems I have been very hard with Bank of Texas, but I expect and deserve better. 
I want this bank to be responsible for the payment of at least a few years of XXXX XXXX XXXX, which serves as a lesson of whomever is responsible for this bridge on the security of all the customers. Btw, I have left only the 4 last digits of XXXX XXXX 's SS # to protect his identity, but on the document I received it shows it in full.
Product: Credit card or prepaid card

I applied and was approved for CitiBusiness AAdvantage Platinum Select credit card on XXXX XXXX XXXX. As the part of the new account, I was supposed to receive XXXX bonus miles after spending {$3000.00} in 3 months after account opening. 

Terms said that business does not qualify for bonus miles if a CitiBusiness AAdvantage account has been opened or closed in last 24 months. I have attached the screen shot of the application and its terms. I HAVE NOT opened or closed a CitiBusiness AAdvantage credit card in last 24 months but representatives that I spoke with over the phone and via email keep suggesting that I do n't qualify for the bonus because I have opened or closed CitiBusiness AAdvantage credit card in last 24 months. I have repeatedly told them that I have not opened and closed a business credit card in last 24 months. On my last phone call I spoke to the supervisor XXXX XXXX XXXX ) and she told me that I am not going to get the bonus for the CitiBusiness AAdvantage credit card because I recently opened a personal credit card. 

That is absolutely false advertising when terms of credit card clearly state that I can not have opened or closed a business credit card with no mention of personal card. Supervisor XXXX proceeded to tell me that I do n't know what the terms say but Citi does not issue bonus miles for Business Card if you have even opened a personal credit card. This is grossly unfair and fraudulent advertising of trying to falsely get consumer to open new accounts and then not honor the terms of the bonus even when consumer has done everything expected under the terms of account opening.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is not reporting my mortgage payments at the amount of XXXX monthly to the credit bureaus since the year XXXX. They stopped reporting it when I had to file for the XXXX XXXX XXXX  when I had to stop working because the XXXX I was working at had to close because of XXXX. It's showing XXXX XXXX XXXX closed XX/XX/year> I make my mortgage payments on time in full so please help me get this put back on my credit report
Product: Credit reporting

Hello My name is XXXX XXXX XXXX I am XXXX and my birthday is XX/XX/XXXX. I recently decided to check my credit score because I have been working on paying off my credit cards and bill I have accumulated when I was unemployed. Now I am from XXXX, NC born and raised and I have never lived anywhere else outside of NC at all I went to College in North Carolina. I have incorrect information on my credit report of me living in states I have never lived or even visit and phone numbers that I have never had now this same issue came up when I was applying for my XXXX Debit card I had to send in identification because of those same things on my credit that do not belong to me I am trying to get my credit right and this is not helping at all and I also see inquires on my credit from credit cards I never even applied for and things I never even heard of now I only have XXXX credit cards XXXX and XXXX XXXX XXXX which is closed and One student loan that is open but in forbearance, XXXX account that is closed but I make payments on now only inquires I should have should be XXXX and XXXX XXXX XXXX I have been checking on my credit and getting notification with credit Karma now I decided to try the annual to see if it would show the same because I get notifications every time anything changes now I see this on Experian and its incorrect and I would this to be fixed please because I do n't not want things I never did or applied for to be following me around on my credit that is not right even my student loan people had my address in CA and I had to correct them and tell them that is incorrect I when to school in XXXX NC and XXXX NC which is the only time I every lived anywhere else for school and I had my own place in XXXX at XXXX XXXX which is correct but anything outside of NC is wrong and I never had a car loan my car has been paid off since I was XXXX and I never had I mortgage and I have only had XXXX jobs in my life since I have been working XXXX XXXX, XXXX XXXX and the job I am currently at now. If you could please correct this information I would greatly appreciated I can be reached at XXXXXXXXXXXX if you have questions or if I need to submit proof because I keep all paperwork for everything.