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

Equifax is reporting incorrectly that I am 120 days past due on the XXXX XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed multiple inaccurate and unknown accounts on my credit report which never got deleted after this company 's questionable investigation. I am providing clear evidence these accounts are inaccurate and must be removed according to the FCRA. I am very frustrated these accounts didn't get deleted the first time so I am attaching clear proof of the inconsistent information. I am filing a complaint with you guys to make sure that they follow the law and remove these inaccurate accounts. I will not accept a computer generated response. I demand these accounts be removed or I will file for litigation. This is hurting my name. 

The following accounts are : 1. XXXX Acct # : XXXX This account is not mine and it clearly says purchased by another lender which is illegal. Remove ASAP 2. XXXX XXXX XXXX Acct # : XXXX This account is not mine. It says that it meets FCRA requirements but I am attaching proof that it clearly doesn't. It is not reporting 100 % accurate information. 

3. XXXX XXXX Acct # : XXXX This account is not meeting FCRA requirements and must be removed according to law. 

4. XXXX XXXX Acct # : XXXX Please remove this inaccurate account from my report.
Product: Student loan

On XX/XX/XXXX, Navient applied a forbearance to all 6 of my private student loans without my approval or knowledge. These forbearances ended on or about XX/XX/XXXX. On XX/XX/XXXX,  they applied another forbearance to 3 of my 6 private student loans, again without my approval or knowledge. These were applied purportedly due to " natural disasters '' in my area, yet I have not been impacted by any natural disasters at all. 

My private student loans with Navient have been a burden due to the amount of interest that has accrued, which has prevented me from being able repay them according to the payment plan I was given. 

I do not give Navient consent to apply forbearances to my loans without my approval. Forbearances only prolong and exaggerate the difficulties I already have in repaying Navient.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number ( private ) another fraudulent credit card open at XXXX XXXX XXXX On XX/XX/XXXX and XX/XX/XXXX, A personal credit card account opened at XXXX XXXX on XXXX, XXXX under the account number ( private ), A Auto loan account opened at XXXX on XX/XX/XXXXXXXX  under the account number ( private ), and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of XXXX. A lease was open at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have requested several times by email to XXXX XXXX and phone with XXXX XXXX that the FHA case and appraisal is cancelled for XXXX XXXX ; XXXX, MI. The lender has failed to submit the cancellation form to HUD or provide me confirmation that my request has been submitted. I have no intention on working with this RUOFF Mortgage or using any appraisal that they got as it pertains to the loan application and I just want my case / application cancelled at my request.
Product: Checking or savings account

Hi, I have opened the account online at First United Bank on XXXX XX/XX/year> using the ongoing promotional offer of {$250.00} during that time for opening the checking account. 
I applied using the promotional code and it was successfully applied to my account opening application. After successful account opening I fulfilled the terms and conditions to qualify for bonus which was XXXX USD in direct deposit with in 90 days of account opening. 
After that I reached couple of times in XXXX and XXXX to the customer representative through United Bank app inbuilt chat option to make sure that promotional code is successfully applied to my account and to confirm I have fulfilled the bonus requirements which they confirmed I did. Now in XXXX when the bonus was not disbursed I reached out back to them asking for the explanation that why I have not received bonus and they mentioned that offer ended on XXXX. Now this lead to XXXX conflicting cases- First -If the promotion was ended on XXXX then why I was still able to apply the promotion code on account opening on XXXX and why even it was showing in the first place? 
Second I checked with customer rep regularly through their app chat option and they did confirm the promotional code was applied to my account and your bonus will be paid in XXXX. 
I reached out to branch representative and requested for chat logs but they denied it and said as per Marketing team I am not eligible to receive offer. This has wasted lot of my time and efforts in the follow up, this definitely raises integrity issues with the bank which has no importance for the customer satisfaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me the document stating that the information provided in the documents is a valid digital signature giving permission on the date reported start date of account. I requested that all of the information in the documents me verified as % 100 Accurate and complete without withholding information. 

XXXX XXXX refused to identify that they are not withholding information and didn't provide a clear statement identifying that the proof of digital signature provided in document with contract is infact % 100 accurate and complete.
Product: Credit card or prepaid card

Repeated attempts to talk with a representative at issuing bank. 

Calls transferred to automatic system with no human interface.
Product: Credit card

I set up a balance transfer from my XXXX credit card to my Wells Fargo credit card on XXXX/XXXX/2015 in the amount of {$7500.00}. The transfer was initiated through Wells Fargo, and they were to send the funds to my XXXX account. The balance appeared on my Wells Fargo bill very quickly, but has never been applied to my XXXX account. I 've talked to XXXX banks many times, but with no resolution. XXXX banks claim to have done multiple investigations to find the transaction from Wells Fargo to XXXX, and both claim to find no issue on their end. 

XXXX has informed me all they need from Wells Fargo is a transmittal report for the wire transfer ( which was described to me as a receipt for the transaction ). Wells Fargo says that they " do n't do transmittal reports '' or any other type of confirmation, other than their internal tracking number ( which is useless to XXXX ). When I asked why they ca n't give me a receipt, I was informed that it is their information and they do n't have to share it with me. 

I 've been trying to get this resolved for more than a year. During this year I 've been having to pay XXXX bills, not to mention the additional interest on my XXXX credit card ( about {$1300.00} ). 

Since this balance transfer was initiated, I 've only been able to make the minimum payment on these XXXX credit cards, instead of being able to pay down XXXX credit card. As XXXX cards have been close to their limits during this time, this has negatively affected my credit score. 

Neither bank is willing to communicate with the other to get this issue resolved, and I do n't know how to proceed. 

See attached file " XXXX '' for a summary of interactions I 've had with Wells Fargo and XXXX representatives in an effort to get the issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX  XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Debt collection

XX/XX/year> I wrote each credit bureau and this company asking to remove this inaccurate information from my account. I ask for the original contract and the 1099c statement letter JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent {$6700.00} USD from crypto.com to XXXX the money did not arrived but unfortunately since it is crypto currency nobody give me any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 


This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Transunion.I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX Date opened XX/XX/XXXX Balance {$16000.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$100000.00} / XXXX  XXXX Date opened XX/XX/XXXX Balance {$22000.00} / XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00} / XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX dismissed Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX XXXX  discharged Filed on XX/XX/XXXX Reference number : XXXX / XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to you today to request that you remove the accounts and information I found on my Credit File that do not belong to me. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Accounts and XXXX. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and in accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need you to remove the following accounts and information completely from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft, please do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are showing an American Express Credit Card on my credit report. I am no longer on that account. XXXX correctly reflects that I am not responsible for an American Express Card Credit Card, and as such, my credit score with them is much higher.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt, pursuant to 15 usc 1681 b ( 2 ) your agency also has violated my right to privacy by furnishing private information about me without any lawful authority or my written consent also your agency has no permission to report anything using my info pursuant to 15 usc 1681 ( 4 ) However your agency only go off the word of creditors & third party agencies which is another violation pursuant to 15 usc 1681 A ( E ) the following companies NEED TO IMMEDIATELY BE REMOVED FROM MY CONSUMER REPORT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XXXX. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item XXXX XXXX  ( ADDRESS : XXXX XXXX  XXXX XXXX  XXXX XXXX, PA XXXX ) Allege Amount Owed {$280.00} XXXX XXXX XXXX XXXX ( ADDRESS : XXXX XXXX XXXX, XXXX FL ) Allege Amount Owed {$840.00} CAPITAL ONE ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ) XXXX Allege Amount Owed {$360.00} XXXX XXXX ( ADDRESS : XXXX XXXX XXXX XXXX VA : Allege Amount Owed {$500.00} I have No knowledge of these accounts.
Product: Mortgage

On Monday, XXXX XXXX, 2015, I received a letter from Quality Loan Service Corporation ( " Quality '' ) titled " Debt Validation Notice '' with an XXXX XXXX, 2015 date, which stated pursuant to, and in compliance with the Fair Debt Collection Practices Act and the XXXX Fair Debt Collection Practices Act ( FDCPA ) the notice allowed me to respond in writing within 30 days to dispute the debt. This notice also further stated Quality was a non-judicial foreclosure trustee and has been instructed to commence foreclosure proceedings against a property I own. I am unfamiliar the creditors named within the Quality notice and the debt amount that is claimed to be owed on this property different from my records. 
On XXXX XXXX, 2015 ( less than 30 days ), I responded in writing by sending a Dispute and Notice to Validate Debt to Quality at XXXX XXXX XXXX, XXXX XXXX, CA XXXX via U.S. Certified Mail No. XXXX XXXX XXXX XXXX XXXX. This is well within the 30 day requirement of FDCPA regulatory guidelines. 
Concurrently, on XXXX XXXX, 2015, Quality agents executed order paperwork to process the foreclosure and on XXXX XXXX, 2015 Quality filed the documents with the Office of the Recorder in XXXX XXXX County with a Trustee Sale date of XXXX XXXX, 2015. This means that in 24 days, Quality sent the original notice than filed paperwork against me. 
Quality has violated several XXXX XXXX. XXXX & XXXX subsections. If Quality claims it filed the Trustee Sale and/or foreclosure order as a " bona-fide error '' and " overshadowed '' whether clerical, procedural or otherwise, then Quality must immediately cease and desist with the foreclosure proceeding of the property until this matter is rectified and resolved XXXX. Quality must postpone the Trustee Sale immediately and Good Faith must be evidenced by stopping any further action whether non-judicial, legal or collection until it has complied with FDCPA requirements allocated to me by law. These actions are inconsistent and to the contrary of federal and state laws inclusive of those of the FDCPA. 
Conclusion, Quality has commenced, processed, signed documentation and have acted in malice, deceptively and unfair within no intent to honor the 30 day period before pursuing on any action against me. Quality has in fact unethically commenced in the collection of debt without VALIDATING THE DEBT XXXX. This is negligence and a total disregarding for my lawful rights. Quality has not responded to my dispute, nor practice fair collection practices when they filed at the Office of the Recorder within less than 30 days from the date on the Debt Validation Notice, and several days prior the Quality agent signed the Order No. XXXX and authorized the foreclosure.
Product: Credit card

I sent letters to Capital One Credit services about them not following the law as required under FCRA 623 ( a ) ( 7 ) ( G ) ( i ), they responded by saying that there security agreement address that but that 's not what the laws say. They never sent a notice as required before and after they reported negative information to the CRA 's. I 've spoken with a XXXX XXXX in the Executive Office, XXXX XXXX Id # XXXX, XXXX XXXX Id # XXXX and XXXX and they will not remove the negative information in violation of the FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've been disputing this since XXXX of 2014, the account is closed and paid in full. I will attached an invoice sent to me by them that does n't should the language outlined and required by FCRA section 623 ( a ) ( 7 ) ( G ) ( i ). I 've filed a complaint with the XXXX about this also and they still said that there security agreement addressed the section above but it does n't as you can see in the attachment the section they sent me from there security agreement.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX
Product: Checking or savings account

Hello I got fraud check from someone I did mistake to take a picture of check and back deposit but check bound not work so they cost me negative money I was like I did not touch the money so
Product: Credit reporting or other personal consumer reports

Lvn funding is listed in my credit report. I contacted them many times to validate the debt and ask for proof of purchase agreement. They have failed to provide the proof of the purchase agreement. This needs to be deleted from my credit report