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

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 with a balance of {$620.00}, XXXX XXXX with a balance of {$2500.00}, XXXX XXXX with a balance of {$22000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX did not do a proper " investigation '' according to the FCRA. 
XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
EQUIFAX Did not do this. 
Also EQUIFAX has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
EQUIFAX stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2021. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account XXXX XXXXXXXX XXXX the dates OPENED are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
My right as a consumer have been violated Based on the following laws : 15 USC 6802 ( b ) 15 USC 1666 ( b ) 15 USC 1681 Sec 602 ( a ) - I have a right to privacy Please update all payments on the account to on time.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Money transfer, virtual currency, or money service

THE AMOUNT IS XXXX DATE SEND : SENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENDER BANK : XXXX XXXX   XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX. 
XXXX XXXX, XXXX RECEIVER BANK XXXX XXXX XXXX  XXXX. 
HEAD QUARTER, U.S.A OUR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS BORROWER. ENTERED A LOAN AGREEMENT WITH XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX AS LENDER FOR A CABLE PROJECT IN XXXX XXXX. 

IN ORDER TO PROCESS OUR LOAN, XXXX ISSUED AN INVOICE TO XXXX FOR THE AMOUNT OF XXXX. 

XXXX SENT THE MONEY XXXX FROM XXXX  XXXX  TO CAPITAL ONE BANK AND CONFIRMED RECEIVED THE AMOUNT. 

THE CASH WAS NOT CREDITED TO THE ACCOUNT OF XXXX XXXX   XXXX AND WE DEMAND FOR THE RETURN THE MONEY. 

OUR BANK SEND TWO ( 2 ) XXXX XXXX XXXX HOLD HARMLESS LETTER FOR THE REFUND OF THE MONEY BUT WE DID RECEIVE ANY RESPONSE FROM CAPITAL ONE BANK. WE SEND COURIER PARCEL WITH CERTIFIED COPIES OF XXXX XXXX  XXXX & OTHER RECEIPTS BUT STILL WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK. WE SEND AGAIN XXXX  COPY FOR THE RETURN OF THE MONEY AGAIN WE DID NOT RECEIVE ANY RESPONSE TO CAPITAL ONE BANK.
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 XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a 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 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

The Us department of education are in violation of u.s code -15 U.S. code 1681b -15 U.S. code 1681S -15 U.S. code 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Navient on several different occasion in regards to my student loan being reported as 90 days late. However, my student loan has been in forbearance since XXXX 2015 due to the lawsuit against XXXX University. I filed a " XXXX XXXX to Repayment '' and was confirmed that my loans were and still are in forbearance for a couple of years now. I tried fixing this situation but they still reporting negative. They are reporting two loans both as 90 days late and this information needs to be corrected. 

Navient has failed to remove those 3 late payments from my credit report, knowing that the information being reported is invalid and I 've disputed it on my credit report once before. My student loan account needs to be updated to reflect no late payments.
Product: Debt collection

Complaint involves claimed {$110.00} amount from XXXX XXXX XXXX XXXX account number XXXX that is being pursued by collection company Radius Global Solutions. 

My attached letter dated XXXX XX/XX/year> outlines all prior correspondence and lack of their resolution. Their last letter dated XXXX XX/XX/year> is another form letter asking for payment without addressing or responding to my points showing timely termination of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following credit reporting companies have violated my rights : XXXX, TransUnion, XXXX. 15 U.S.C 1681 section 602 A., states i have a right to privacy.

15 U.S.C 1681 section 604A section 2, states a consumer reporting agency CAN NOT furnish an account without my WRITTEN consent. Federal Law overrides any company policy.
Product: Payday loan, title loan, or personal loan

I obtained a loan in XXXXXXXX XXXX from NetCredit, at which time I signed a contract for a loan amount of {$8500.00} with an APR of 64.69 %. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( serviced by NetCredit Loan Services, LLC [ NetCredit ] ) advertised a refinance eligibility option, which I discovered does not apply to XXXX  residents. At the time I signed the contract, I was unaware that XXXX has a maximum interest rate of 36 %. Further, there is no record of XXXX XXXX XXXX XXXX XXXX XXXX in the NMLS database ; NetCredit results include addresses in Utah and Illinois. The FDIC database lists XXXXXXXX XXXX XXXX  address as in XXXX The states of XXXX XXXX XXXX, in which XXXX XXXX lists addresses in the contract language, also have maximum interest rates of 36 % ( or refer to " unconscionability '' ), which means that even if they operate under those state 's usury statutes, the 64.69 % interest rate they charged me is illegal. I believe this is a predatory lender offering illegal, extremely high interest loans to people whose circumstances don't allow for lower interest options, and who don't know what the rules are surrounding maximum interest rates and therefore will accept any assistance to alleviate immediate financial difficulties without knowing how or where to go for information about what's normal or allowable. I called NetCredit today to request an interest rate reduction, and the representative told me it was not possible. He mentioned the possibility of refinance, and while I was asking questions and he attempted to answer, he got several details of the contract language wrong, including the term and the interest rate. He apparently also didn't know that I was ineligible for refinance due to my state of residency, and when I told him that was the case, he acknowledged I was right ; I am ineligible. I asked several questions about why my interest rate is so high when the maximum rate in Oregon is 36 %. He couldn't give me an answer, so I asked to elevate the call. He said I can expect a call back within 24-72 hours, but that a supervisor told him there was no way they could reduce my rate. Due to this conversation, I don't expect satisfactory resolution to be offered voluntarily by this company.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit 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
Product: Mortgage

The mortgage servicing department ( HELOC specifically ) of Pentagon Federal Credit Union ( " PenFed '' ) has not processed payments correctly, rendering my account unusable for 3 months now. While this has been an aggravating problem, it is now negatively impacting me financially ( i.e. having to use higher cost credit card availability ). 

I have been told that PenFed went through a system conversion back in XXXX and they are " having difficulty clearing some of these transactions ''. Three months is entirely too long to fix a servicing problem that they created. In addition, their employees are obviously not trained on escalation procedures or regulatory complaints as several times I requested escalation to prevent having to go to a regulatory complaint option, to no avail.
Product: Checking or savings account

I opened a savings account with Capital One N.A. on XX/XX/2022. My partner currently in XXXX, needed to deposit funds in a United States bank. She tried to become a joint account holder but couldn't succeed. I gave her my account information so she could make deposits to settle debts so she could return to the United States. She requested a friend 's assistance. He deposited {$5000.00} into my account on XXXX XXXX XXXX. Capital One held the internet deposit from XXXX bank to assure clearance. I contacted Capital One twice during the weeks of XXXX XXXX and XXXX, XXXX, XXXX to make sure the deposits cleared. I was informed it did. I transferred the {$5000.00} to my other bank, XXXX, in order that I could access the funds through my checking account. Capital One had denied me application for a checking account earlier. The money transferred and cleared XXXX. I went to XXXX on Monday, XXXX XXXX XXXX to wire transfer {$5000.00} to XXXX XXXX in XXXX, XXXX. It advised the money was a scam. I checked Capital One and there was another deposit for {$4700.00} made on XXXX XXXX. I requested a transfer to XXXX account. On XXXX XXXX, I sent XXXX XXXX of {$2000.00} to XXXX XXXX. On XXXX XXXX XXXX, I received a call from Capital One stating the activity was suspicious, accused me of possible fraud, and closed my savings account. The deposit of {$4700.00} was cancelled by Capital One and the situation is under investigation. I can not contact Capital One. It refers me to an automated recording saying my account is under investigation and to leave a message. It will contact me in 48 business hours. I was unaware of a third-party depositing for my partner. However, he is a real person and claims he made the deposits without illicit intent. Because of the rapid turnaround, the fraud detectors at Capital One probably went bonkers. My complaint, other than being told that I could go to jail, is that because I only had the savings account open for two days and deposits were made by another via the internet, I am a suspect of a scam or fraud. I also believe that due to my financial status being on a fixed income, that any amount exceeding what Capital One determines is my financial status, it calls suspicious activity. If I had a higher income, these deposits would seem small to Capital One and possibly be ignored. I have had similar problems with my other bank. Any deposit made over {$2000.00} is deemed suspicious. I have made inquiry as what triggers suspected fraud or a scam and was told it depends. No specifics were shared. The banks act like it's their money and customers need to get their permission to withdraw or deposit money. They are protecting themselves, not their customers due to overreach in security policies.
Product: Credit card or prepaid card

Wells Fargo advertised their business platinum card coming with a {$350.00} cash bonus. Wells Fargo claims they paid me the bonus but they have not. There is no way for me to access the cash back balance or the rewards membership # associated with the business card.
Product: Credit reporting or other personal consumer reports

Dear CFPB ( Consumer Financial Protection Bureau ), I hope this message finds you well. I am writing to file a complaint regarding an issue with inaccurate information being reported on my credit file. Despite the fact that I have paid the account in full, the account continues to be reported incorrectly by the credit bureaus, and the dates associated with the account are inconsistent. 

Account Details : Creditor Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX High Balance : {$1000.00} Balance Owed : {$0.00} ( Paid in Full ) Account Status : Closed Payment Status : Reported as Late 60 Days and Late 30 Days, despite being fully paid Account Rating : Reported as both " Closed '' and " Paid '' Creditor Remarks : " Closed '' and " Closed or paid account/zero balance '' Inaccuracies in Date Reporting : Date Opened : Reported as XX/XX/XXXX and XX/XX/XXXX, which are inconsistent. 
Date of Last Activity : Reported as XX/XX/XXXX and XX/XX/XXXX, conflicting dates. 
Date Reported : Listed as XX/XX/XXXX and XX/XX/XXXX, showing discrepancies. 
Closed Date : XX/XX/XXXX appears on some reports, while it's missing from others. 
Nature of Complaint : The account has been paid in full, but it is still reported as late and derogatory, which is an inaccurate representation. 
Inconsistent dates are being reported by the credit bureaus, which violates the Fair Credit Reporting Act ( FCRA ), requiring credit reporting to be accurate. 
Despite this being a paid account, the negative remarks and incorrect information remain on my credit report. 
I have already contacted the credit bureaus directly, but this issue remains unresolved. Therefore, I am reaching out to you to help investigate and rectify this matter. I request that the account be removed from my credit report, and the incorrect dates be corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring this issue is resolved promptly. NEEDS TO BE DELETED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ). In accordance with the Fair Credit Reporting Act 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.

( 2 ). In accordance with the Fair Credit Reporting Act 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. 


( 3 ). In accordance with the Fair Credit Reporting Act 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. 


( 4 ). In accordance with the Fair Credit Reporting Act 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. 

( 5 ). In accordance with the Fair Credit Reporting Act 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.

( 6 ). In accordance with the Fair Credit Reporting Act 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. 


( 7 ). In accordance with the Fair Credit Reporting Act 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 instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempting to access Experian account and unfreeze the credit reporting in order to open up a new line of credit Experian does NOT allow one to speak to a live operator on ANY of there numbers provided They also do NOT allow one to access their file on line There is NO WAY to contact them at all.
Product: Mortgage

So I have submitted a Loss Mitigation request to complete a Short Sale on the home. I faxed in the application and all of the required documents that will go along with it. I even sent over the contract for the sale of the home. I got a call from Flagstar Bank asking me when I was going to make a payment and I asked if they received the application for the Short Sale, and I was told that they closed it because they thought it was an appeal. I sent this back on XX/XX/2019. I will attach the documents that I sent to them. I have people wanting to purchase this home to prevent a foreclosure. Now I am being told that they will need to start a new process to review my request for the Short Sale, now time is of the essence. I am doing everything that I need to do to resolve the issue with our mortgage, and if we loose the sellers, the house will go into foreclosure. I have given them the same request twice. 

All of the documents that I have to send to you has all of our information on them along with the buyers information. I can submit all of the documents to you per your request. 

So I need help and I need to know what can be done to get this Short Sale completed ASAP. This is a financial hardship, we have explained to them for a year now that I have not had an income. We are trying very hard to prevent a foreclosure on our credit because then we will have to file bankruptcy. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

To whom it may concern,, I looked at my report. I sent a letter to Equifax asking them to reinvestigate these accounts XXXX XXXXXXXX XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report 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. 
And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- the person has been notified by the consumer, at the address specified by the person for such notices, that specific informatin is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case