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

In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 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 you. S. C1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is allowing and then storing, and continually updating my personal information that is in fact inaccurate. 

Attempts to access my report- can not proceed when the mismatch of the data I provide, does not match what is in their systems. 

Please unlock my report for access - and through XXXX XXXX XXXXThis is the 5th and 6th complaint below. 


I am XXXX XXXX, and I am the author of this complaint. The supporting details have been accessed and then provided with my PII data, and as such, should qualify for any validation you- Equifax, may require. The issue - 1. My Physical Home Address continues to be updated at Equifax 2. The address being an previous address, almost 4 years ago 3. I do not, and have not lived at this address in almost 4 years 4. XXXX XXXX XXXX XXXX, XXXX NJ XXXX- is not, my current address 3. This has been disputed to Equifax- and on numerous occasions 4. Inquiries/Disputes to Equifax - that latest being XX/XX/2021, have yielded no assistance or fixes 5. Equifax 's representatives have been unable to determine the source of this data 6. The impact to me as consumer - is there is then an mismatch with my true data - and fictitious data at Equifax 7. Access to my own credit data is prevented when it does not match 8. I have NOT caused an inquiry to EQ, with any data 9. Applications for credit - where mismatch occurs, may also be impacted 10. The Last Reported Date, for the Address in XXXX NJ- you EQ - store, is XX/XX/2021. 11. Wholly, inaccurate My Current Address is, provided in this complaint and - is XXXX XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX Please stop allowing a Data Furnisher - especially when historical as I have absolutely no new debt or inquiries in the last 4.5 years, to update my contact information. The impact to me is devastating. Communications, and the like, validation of who I am- is impacted by this fraudulent data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the (Equifax, XXXX ,XXXX). They have failed to remove information that was affiliated with personal details that were challenged in the past . I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

Express recovery has sent a {$15.00} collection to the credit bureaus. I called the creditor listed and I was told they dont show I have any outstanding debt with them. I called espress recovery and the woman was curt with me and told me if I dont owe it it will eventually show paid but will not come off my credit reports. I tried to tell her this is some kind of mistake. She would not help me. I called XXXX XXXX again who again said they dont show anything outstanding and it shpould fall off soon. It has been a month and it is still there
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries Pull on Account Back to Back- When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX BANK XXXX XXXX XXXXXXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX BANK XXXX : XX/XX/XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry XXXXnstitution Information XXXX XXXX BANK XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to validate all accounts I requested via certified usps tracking number XXXX in XXXX. Accounts are still reporting. Experian is violation for failure to respond to the 30 day time frame for validation. 

Experian failed to validate and delete XXXX charge offs that are reporting balances which falsely manipulate the status of limitations with certified tracking numbers : XXXX ; XXXX ; XXXX & XXXX. 

All documents and certified tracking receipts are attached.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam, Currently I live in XXXX. While I was reviewing my credit report in XXXX, I realized that 3 accounts were opened on behalf of my name. One credit card account and two car loans. I reached out XXXX XXXX  to report identity theft. In addition to that I filed an identity theft report on FTC site. I am sending attached a copy of this report. 

These accounts do not belong to me, Please terminate these accounts, close the accounts and remove them under my name. They should not appear on my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate. None of which have account numbers listed in my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Sent a validation of debt letter to company in XXXX and never received anything back. Resending the letter via certified mail as the company is not a company I have ever worked with or have and business with and the company is currently trying to sue me in small claims court. I have no business with this company, no documents that have been signed with this company
Product: Credit card

On XX/XX/XXXX, I attempted to book travel through the Citi XXXX mobile site. 
I had accumulated XXXX points and wanted to use those on a flight. 
When I attempted to book the flight the system rejected the booking saying that the processing failed. 
The cost of the flight was {$1800.00} and the XXXX points would have covered {$1500.00}. 

I contacted Citi XXXX, they told me that the card got rejected and that I should contact Citi card services. 
I contacted Citi card services and they said the card is fine and the travel system is reversing the charge, I need to talk with them. 
Reached back to Citi XXXX, they told me there is nothing they can do because their system rejected it, I need to either wait 3 days, most likely losing my flight, book directly with the airline and not use any of my points or try to use my points after the booking for half their value. 
I further escalated to the supervisor in the Citi XXXX support team which gave me the same answer, only that they are contacting the tech team which are overworked and will likely take 3 days to check what the problem is. 

In Summary, I tried booking travel using my Citi ThankYou reward points, it didn't work, the only solution I got presented is : a. lose your flight b. book independently without your rewards c. lose half the value of your reward points The whole idea of travel rewards is that it is available on the few occasions when you travel, if that isn't the case, then why even bother.
Product: Mortgage

I'm trying to set up bi-monthly payments with my existing mortgage provider, American Pacific Mortgage ( XXXX ). I went through their setup process in XX/XX/XXXX and confirmed with my mortgage provider that everything was done correctly on my end. This was supposed to start with my regular XX/XX/XXXX payment, after I made my regular monthly payment in XX/XX/XXXX, which I did. Now I'm being told that I have to make a regular payment in XXXX and in XXXX before this starts. This is 3 months past the point I was previously told that this would start. I don't trust what American Pacific Mortgage is telling me and I feel that I'm not getting a straight answer, or any sort of confirmation when my bi-monthly payment will actually start. I would prefer to work this out directly with American Pacific Mortgage but I don't feel they are being truthful with me, so I'm contacting the CFPB directly.
Product: Debt collection

Everyday I receive at least XXXX calls from Navient on both my cell and work number.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to removeany accounts listed on an id theft report. Please find the ATTACHED documents to assist in removing the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX Balance Owed : {$9800.00} XXXX  XXXX Balance Owed : {$1100.00}
Product: Mortgage

My mortgage was sold 6 times in 6 years. I was supposed to be conventional fixed, but was turned into ARM without my consent, I made a complaint already with you against XXXX mortgage companies. XXXX and Ocwen. Both are on credit scores and are incorrect. Briefly again, XXXX lied to me asked if I could make a payment of {$4000.00} XX/XX/2008. I was told this was to be applied to principal, was not applied to anything, this was my life savings, had hardship with them regarding their lie. XXXX tried to modify without remorse, but firstly, my first mortgage was {$1200.00} w XXXX, sold to XXXX went up to {$1700.00}, I complained, then it went to {$2100.00}. I complained again, they said this is last time at {$1500.00}. Afterwards, sold immediately to AHMS American Home Mortgage Services, all this time I never received welcome packets or payment stubs from any mortgage company. At XXXX time, I had no idea who was my mortgage company. XXXX, was an extreme hardship. I tried to modify several times, to no avail, I have recording of conversations, they would NOT work with me at all. Never received welcome packet or payment stubs. Sold to XXXX Bank whom turned around and sold it to Ocwen loan servicing co. for XXXX XXXX, XXXX. A loan rep, XXXX XXXX, told me I was not in foreclosure. I am XXXX due to a car accident. Ocwen told me I should do a deed-in-luei, ( referring to car accident, because of no modification I could not afford paymentso I was told ) " this will not go on your credit report '', I was told by XXXX XXXX. FEMA seized my house due to more than XXXX % substantially damaged home from Hurricane XXXX. I had flood insurance. To no avail, I have no home, I sent you the final payout document from Ocwen, I do not understand why I was not treated professionally.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX  XXXX Balance {$3300.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX : {$900.00} XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$2300.00} UNKNOWN XXXX Balance {$920.00} XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX XXXX  Inquired on XX/XX/2023 XXXX Inquired on XX/XX/2023 XXXX
Product: Student loan

Institution KeyBankStudentLoansServicedbyXXXX KeyBankPrivateStudentLoanInterestRateIllegalInterestRate IncreasesXXXXXX/XX/XXXXinterestrate3.92 % XX/XX/XXXXinterestrate 3.94 % XX/XX/XXXXinterestrate4.16 % XX/XX/XXXXinterestrate 4.29 % XXXX INTEREST RATE INCREASES WITHIN 6 MONTHS MY CREDIT REPORTS FROM THE XXXX CREDIT BUREAUS SHOW MYSELF AS PRIMARY BORROW ON MY DAUGHTER 'S NON-FEDERAL STUDENT LOAN AND NOT THE CO-SIGNER
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an higher and wrong loan mortgage balance to credit reporting agency. My current balance is {$83000.00}. It was {$84000.00} in XXXX. However XXXX XXXX reports a balance of {$86000.00} to credit reporting agency. 

When I attempt to have them make a correction, they refuse and reply with the following lie. 
" We can confirm we reported your principal balance accurately, to the credit agencies. We can also verify in XX/XX/2020, there was a non-sufficient payment received, which given the timing of the reporting and when the payment reversal occurred, this would have impacted your reported principal balance. ''
Product: Credit reporting or other personal consumer reports

Equifax is reporting inaccurate information on my credit report. 


15 usc 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit card or prepaid card

Avan credit card I ipplied was denied right on the spot I have other credit cards XXXX   XXXX XXXX  XXXX XXXX XXXX and avant- just denied me their service for not reason
Product: Checking or savings account

On XX/XX/2021, I had set up a future transfer between my saving and checking account at Bank of America for {$3500.00} to be made on XX/XX/2021. On the morning of XX/XX/XXXX, I checked my account and it showed the transfer to be " processing ''. I had also made a payment to my credit card company - XXXX - that was also made on XX/XX/XXXX. I thought that was strange that the {$3500.00} transfer was showing as processing when in the past would just show up in my account. On the XX/XX/XXXX, I had noticed that the transfer was not completed on the XXXX but now it was showing up in my account on XX/XX/XXXX. Because the transfer was not made, it cause my account to go into overdraft for XX/XX/XXXX. I called and explained that this was not my fault and asked why a transfer was not made on the date I had requested. How could a transfer set up well in advance not be made on the date requested but processed the following day? The banks contention was that I did not have sufficient funds in my savings account on the XXXX so that is why it was not made. This is also not correct since I had over {$4800.00} in my savings account. The transfer was for {$3500.00}. They had also put an overdraft hold on my account for {$1000.00}. Even with the {$1000.00} overdraft hold, I still had sufficient funds to cover the {$3500.00} transfer. They eventually did make the transfer on XX/XX/XXXX but this caused many other issues with my credit card company since Bank of America returned my credit card payment. It was resubmitted by my credit card company on XX/XX/XXXX. I have a screen print of the transfer that was scheduled for the XXXX but now in their system it shows it as the XXXX. Somehow this transfer was changed and I want to know why. I have included the screen shot of the transfer showing the XX/XX/XXXX transfer date requested. I also have included the transfer that was eventually made on the 20th. I have also included bank transaction for both savings ( Advantage Saving ) and checking ( Adv Plus Banking ) which shows the balances and the transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

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

Transunion is failing to comply with FCRA Sections XXXX and is also in breach of Sections XXXX & XXXX for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted XXXX complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

COMPLAINT ID XXXX Response you are re-reporting items previously listed in bankruptcy not deleting just updating I have filed multiple complaints through here as well as directly to Equifax with no resolution. The response stated items that are not reporting so they should be removed including addresses, and accounts because that would suggest unverified. This is willful noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

This is for my Chase JPMBC credit card. Account number, XXXX ... The amount owed on XX/XX/2020 was {$3800.00}. This was when the XXXX XXXX struck America and my company shut down, I was also XXXX with XXXX in XX/XX/2020. As soon as my company paid me and I was virus free I paid off the entirety of the amount that was owed. I have asked Chase Bank to look into the details of this and they have refused, I have offered to pay a fee to have it removed, they also did not accept that. This has affected me in many ways when trying to apply for a loan and a mortgage. I have paid every credit bill on time since that date and before that date. I am asking for a little relief due to the XX/XX/XXXX striking down my work and myself. I did my best to pay the bill asap, am asking for some goodwill as I have and will continue to be an on-time paying customer. 

Respectfully, XXXX XXXX
Product: Debt collection

Wells Fargo ov erdraft collection department calls from  XXXX . Called me on  XXXX   XXXX  at  XXXX . I have reached out  to Wells Fargo and all they wish to do is remove my phone number. Did not identify themselves as debt collectors when I asked as well with 3 different people. claimed they do not leave messages