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

I received alert from a credit bureau on a new report submitted to them. It stated that there is late payment and/or no payment for certain amount of money to the company. I do have no idea about what that loan was because it is not mine at all. I am not at liberty to explain the security and/or exchange issue for fear of regulators checking my credit report and take more points off my credit score. But to be a little frank., some other similar activities destructed my credit score by XXXX [ XXXX  ] points in XXXX [ XXXX ] days with no justification and/or any default or unpaid credit or anything to mention at all. FICO score is going down at unusual speed which is strange.
Product: Credit reporting, credit repair services, or other personal consumer reports

I froze my credit file with all three major credit reporting agencies back in XX/XX/2006. I had some practical issues unfreezing the credit reports last year. This year I contacted all three   credit reporting agencies via U.S. Mail ( see attachment ), asking them to check that the information they had on file was up to date. I also asked them, very clearly, to keep the freeze on my credit file. I also asked them for clear updated instructions on how to unfreeze my credit file, if that need were to arise sometime soon. These actions on my part are good standard practices to prevent fraud and identity theft. 

XXXX  and XXXX responded adequately they got it right. Experian did not only get it wrong, they got it BACKWARDS! Think of backwards as being super-duper wrong. Extremely nonsensically wrong. So wrong that a thinking person would curl up in a corner and die of embarrassment for being XXXX. Experian permanently removed the security freeze on my credit file!!! Now instead of having my credit file safely frozen, they've opened it up for the whole world. This is exactly the opposite of what I wanted to be done. I'm not going to charge them any money, at this time, for pointing out a terrible flaw in their business system of correspondence via U.S. Mail. 

Additionally, they allowed an incorrect XXXX XXXX XXXX  to be available on the Internet. Having the wrong P.O. Box # caused a 2-3 week delay in communicating with them via U.S. Mail. It was very difficult to find someone to talk to at Experian to finally get the correct P.O. Box #.

Experian should not be allowed to hide behind some defense of incompetence or error. Let 's be honest, Experian loses money on credit freezes and will do almost anything to discourage and confuse consumers into properly using credit freezing/unfreezing options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to seek your assistance regarding an issue I have been experiencing with Equifax and the updating of my credit card information on their website. Despite multiple attempts to resolve this matter directly with Equifax, I have not been able to achieve a satisfactory resolution, which is why I am reaching out to your esteemed organization for support and guidance. 

To provide some context, I recently contacted Equifax to update my credit card information associated with my account. However, I have encountered discrepancies between the information provided to me over the phone and what is reflected on my Equifax online account. When I spoke with Equifax representatives, they informed me that I have only two credit cards associated with my profile. However, upon accessing my Equifax account online, I discovered three additional credit cards associated with my XXXX number, even though I had already supposedly updated my Social Security number with them. 

Despite raising this issue with Equifax through multiple inquiries, my credit profile on their website has not been adjusted to include the correct credit cards associated with my account. This discrepancy is causing my credit card information not to be accurately reflected in my credit history, which is of great concern to me. 

I have made diligent efforts to ensure the accuracy of my credit information, and I believe it is essential for the credit reporting agencies to maintain up-to-date and accurate records. As a responsible credit user, I rely on an accurate credit history to reflect my creditworthiness and financial standing. 

Therefore, I kindly request your intervention and assistance in resolving this matter with Equifax. I would appreciate it if your office could communicate with Equifax on my behalf to ensure that my credit card information is promptly updated and accurately reflected on their website.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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've gotten a response from Equifax that the disputes I have submitted, came back as verified. I would like to know how did you verify it because XXXX  also did their search and found the information I submitted was justified and removed the filings from my report. 
You have information on my file from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX was deleted. Your information is not consistent nor accurate. Therefore, per the FCRA and the FDCPA, you must remove than defamation of information.
Product: Mortgage

I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company on XX/XX/2020 and sfvised them that all three credit agencies Equifax, XXXX XXXX and XXXX were all reflecting this as an open loan that was paid off in XXXX - XX/XX/2020 and they should update their file. However, they refused and told me to do so.
Product: Credit reporting or other personal consumer reports

am filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding fraudulent and inaccurate accounts reported on my credit file by the credit reporting agencies XXXX, XXXX, and Equifax. These accounts were opened without my knowledge or consent, and I believe they are fraudulent. Despite my attempts to resolve these discrepancies, my disputes have not been investigated or resolved within the required 30 days under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), and I have not received proper notification of these debts as required by 15 U.S.C. 1692g. There are multiple violations of FCRA 607 ( b ) regarding inaccuracies in reporting, including discrepancies in account balances, open dates, payment statuses, and high credit amounts across bureaus. The fraudulent accounts include XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX  ( Account Number : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX ), XXXX ( Account Number : XXXX ), XXXX XXXX  ( Account Number : XXXX ), XXXX  XXXX  ( Account Number : XXXX ), XXXX XXXX ( Account Number : XXXX ), XXXX  XXXX ( Account Number : XXXX ), and XXXX XXXX  ( Account Number : XXXX ), all of which contain discrepancies in balances, open dates, or have not been validated. Additionally, unauthorized credit inquiries from XXXX, XXXX, and others must be removed. Fraudulent names such as XXXX XXXX XXXX and incorrect addresses, including XXXX XXXXXXXX XXXX, XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, and XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX, need to be removed. These actions violate federal laws under the FCRA, the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), and the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), as well as Florida state identity theft laws. I demand immediate removal and blockage of these fraudulent accounts and inquiries from my credit report across XXXX, XXXX, and Equifax, written confirmation of their removal, and an updated copy of my credit report. Additionally, I require the implementation of fraud alerts and identity theft resources as mandated by federal and state law, a thorough investigation into how these accounts were recorded without my consent, and the provision of the investigation findings in writing. 
thanks
Product: Prepaid card

On XX/XX/XXXX, I made a payment of {$330.00} for an application and administrative fee for XXXXXXXX XXXX  apartments. The next day, I called to check the status and later on they told me that the unit was unavailable and that they would refund me the money. After attempting to reach them several times and not being able to speak to someone, I even reached out to the merchant where I made the payment at and they tried but it wasn't successful. I finally got in touch with someone at the complex and they said they didn't know how long it would take, so I decided to dispute the transaction in hopes to get money back. On XX/XX/XXXX, I was given a provisional credit. Once investigation was completed, I was informed that they would be debiting the money back from my account because it was closed and that they couldn't do anything. After awhile I gave up but then I thought about how hard I work and decided to file another dispute on XX/XX/XXXX to find out why I haven't received my money yet and it was closed on the XX/XX/XXXX with the same resolution. I was able to speak to someone at the apartment complex and they said that the money was released and there wasn't anything that they could do. I called the card company several times and they keep telling me that I have wait up to 10 days in order to receive an email so that I can schedule a call from the dispute department. They told me that they don't have direct contact with the dispute department, which is ridiculous. I just don't understand what is the issue and why I can't get back what's owed to me.
Product: Debt collection

CapitalOne Credit has sold an account to a collection agency for the second time using my name and address knowing full well that this is not my account. Their last collection company filed suit after they were notified that this was not my debt. Now I have a permanent mark on my public records. Afterwards they apologized and pulled the complaint. They then sent me the phone numbers of all the credit reporting agencies and told me to handle it myself.
This is the worst kind of predatory actions, trying to force a XXXX year old senior to pay a bill not owed just to stop the harassment when they have records, letters and recorded calls acknowledging this account is not mine and never has been. They also know that my health is bad and yet went forward to start a new attack.
Capital one has caused me to spend numerous days and hours writing and talking to their agents. They offered me a settlement if I signed a legal document that would have caused me to get a lawyer and cost me more than they offered.
I believe that they want to scare people at any cost to make them pay bills without any regard to whether or not it is their debt. They go after family members through their parents and make up false documents to prove their ( changed notary papers ) illegal activities and have enough Attorneys to get away with it.
They probably will apologize and then go right ahead and sell it to another collection agency in the future, and they know that the only way to stop this practice temporarily is to make people keep spending time and effort explain the same thing again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent inquiries and derogatory items on my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated that my accounts were properly investigated but they failed to provide me with details of how the accounts were verified, by whom, and failed to correct the information. There are disparities between reports. My name is spelled in various ways between agencies. I have disputed the information and requested that my name spelling be updated but the bureaus fail to make the changes. Disputes were sent XX/XX/2022, XX/XX/2022, and they fail to make the corrections. 

15 USC 1681 section 602A states I have the right to privacy. 
15 USC 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without my written instructions The listed inquiries below were without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

Accounts in Dispute Include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
Product: Credit reporting or other personal consumer reports

My social security card and chime credit card was stolen reflecting false charges, inquiries, and negatives on my report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, and XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

CEASE ALL COMMUNICATION WITH ME AND MY REFERENCES MY LAWYER WILL BE IN TOUCH
Product: Credit reporting or other personal consumer reports

continued harassing phone calls from global lending. afrer numerous request of stop calling me, and multiple refusals to pay. ( audio.visual recordings available upon request )
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block certain erroneous data reported on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act. It has come to my attention that incorrect information has been included in my credit report, which I believe to be the result of identity theft. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation. 
XXXXFailure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law. 
XXXXFailure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : XXXXConduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
XXXXProvide a comprehensive written explanation detailing your investigation process and results. 
XXXX.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Student loan

Loan information for :  XXXX   XXXX   School  :  SCHOOL CODE FOR CONSOLIDATION LO ANS Enrollment Status : WITHDRAWN as of   XX/XX/XXXX   Loan Type :  FFEL CONSOLIDATED Loan Period Be gin Date : Loan Period End Date : Total Borrowed : {$42000.00} Outstanding Principal as of   XX/XX/XXXX   : {$200000.00} Outstanding Interest as of   XX/XX/XXXX   : {$690.00} Interest Rat e : 9.00 % Loan   Disbursement Date Disbursement Amount   XX/XX/XXXX   {$42000.00} The above is my issue. I have never made enough money to afford to live and repay my student loans. The loan has ruined my life. I can not get a loan and m y credit score i s low because of the large outstanding balance which has been increase t imes 6. At the  time that I borrowed, the interest rate was n ot 9 %. I will  never be able to repay this loan in my lifetime. Can you please help me to negotiate with the loan complany?