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

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, passport, driver 's license, and birth certificate. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WIPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENT REMARKS LEFT ON THE CREDIT REPORT. 

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN. 




POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 


ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/XXXX/EQUIFAX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXXEQUIFAX ACCOUNT NAME - XXXX XXXX  - ACCOUNT XXXX - XXXX - XXXXEQUIFAX ACCOUNT NAME - XXXX XXXX - ACCOUNT NUMBER - XXXX - XXXX/EQUIFAX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER - XXXX - XXXX/EQUIFAX ACCOUNT NAME - XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX - XXXX - XXXX/EQUIFAX ACCOUNT NAME - XXXX XXXX XXXX - ACCOUNT NUMBER - XXXX XXXX XXXX/EQUIFAX ACCOUNT NAME XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) - ACCOUNT NUMBER XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - ACCOUNT NUMBER - XXXX - XXXXXXXX/EQUIFAX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, DELAWARE XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Verification XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX XXXX XXXXXXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX  Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX  Validate Account XXXX XXXX XXXX Validate Account XXXX  Validate Account XXXX XXXXXXXX XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX Validate Account XXXX XXXX XXXX XXXXXXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, the said party has signed and sealed these presents the day and year first above written. 



Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX XXXX OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 



WITNESS my hand and official seal in the County and State aforesaid this XXXX day of XXXXXXXX XXXX 



___________________________________ Notary Public Printeod Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the permanent deletion of a XXXX  entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) sections XXXX ( a ) ( XXXX ), FCRA Privacy law, and FCRA XXXX XXXX ( a ) ( XXXX ) ( a ). Upon reviewing my credit report, I have identified a XXXX  entry that I believe is inaccurate and unfairly impacting my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran today XX/XX/20 because I am trying to buy a new car however, I was told that I did not get approved for the auto loan at this time due to some accounts reflecting badly on my credit history. I had no idea what accounts they were referring to since I have always made it a priority to make all of my payments on time but when I looked through my credit report, I saw several accounts from various different companies that I never opened. None of the accounts listed on this report belong to me nor did I allow anyone to open them in my behalf using any of my personal information. I did not benefit anything from these unauthorized accounts such as money, goods, services or any other benefit and I did not make any payments towards any of those debts. I do not have any written or verbal contract with any of the companies listed therefor I have filed a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's reported my credit card had late payments. I never made a late payment and requested written documentationXXXX I therefore closed the account. I need to have the late removed from credit immediately.
Product: Credit reporting or other personal consumer reports

I disputed the collection agency XXXX XXXX XXXX regarding the Original Creditor XXXX XXXX XXXX a XXXX  bill with all three agencies. I noted that based on cfpb XXXX  bills would be removed or not listed on reports, however, they all left it on the report. 

I noted and provided the link to the XXXX  for XXXX. I also chatted with XXXX 's rep and they also said the XXXX  bill shouldn't be listed even if it's a collection agency listing them. If you XXXX XXXX XXXX XXXX XXXXXXXX XXXX centers populate. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  I attached the chat transcript and highlighted the rep 's entry that XXXX  bills shouldn't be listed. 

By the way, the name on this account is incorrect, it's XXXX and not XXXX.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$950.00} XXXX XXXXXXXX XXXX Balance : {$310.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$950.00} XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

I have a program set up with Navient that automatically debits my loan payment and they have been taking my monthly payment out for almost a year now. All of a sudden I am getting late payment fees, even though my payment has been automatically debited on time for months! I called Navient and they said do n't worry it was a mistake in the computer and to ignore it well then today I get a notice that my credit score went down for delinquent/late payments to Navient!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to dispute 5 XXXX accounts with TransUnion but I get stall letters of asking if its really me when I have sent information to prove that it is indeed me. Starting XX/XX/XXXX. 

I have had 5 XXXX Accounts reporting negatively on my credit profile since XX/XX/XXXX. I have attached old credit reports from TransUnion to prove this. I need Transunion to cease from reporting on these accounts.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and removed for erroneous reporting in my file are listed 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed two accounts that don't belong to me with Equifax, XXXX XXXX XXXX XXXX XXXX, I received the results and they never looked into the disputes.
Product: Student loan

I feel that Navient has led me over several years to continue forbearance and deferments instead of trying to help me get a payments that I can affordable handle
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Student loan

I applied for the XXXX limited waiver in XXXX of XXXX. Since then the process has been excruciating. Customer service through one company located my qualifying payments from XXXX and XXXX forward but then nothing else was done. I spent at least XXXX hours on hold, to get no answers, or misleading information. No one ever tried to or did locate my payments made between XXXX, so I found and submitted them. 

My loans were transferred to Mohela in XXXX and I sent XXXX separate messages asking for clarification about these missing payments and did not get any response until XXXX. The response was generic and it told me to call a phone number. I was placed on hold for approximately an hour to locate a supervisor from the Customer Advocacy Team. She could not and did not help, except to tell me that 6 years of my loans were not eligible or ineligible, but couldn't even be counted because I was allegedly a XXXX XXXX XXXX. I was not a full time or even half-time student during those years and was informed to submit a letter stating this, which I have now done on XXXX different websites. 

No one can find my loans from XXXX STILL and the Customer Advocate told me that since I just submitted them ( which was not my responsibility ) it will likely be another 90 days on those and there is nothing she can do. 

Because it has been a year since I applied, I then had to re-submit proof of my current employment, which I have done and again, no-one has reviewed it. 

I have spent about XXXX hours of my life trying to engage with this system. I have been on hold for a total of at least XXXX hours with no real help. I am a highly educated and motivated individual who happens to have some time to do this. If I was a single working mom it is likely I would have given up by now. As I told the woman who was supposedly a customer advocate, this is a system intentionally designed for failure. They need and want people to give up. 

The government should create a real advocacy system for borrowers who may still be working XXXX jobs to make ends meet and do not have the time for this. The lack of communication is astonishing. The waste of time and taxpayer money just on my case is astounding. Why doesn't someone just take my file and work with it until it is done? Instead it is shoved from one system to another with more and more people throwing their hands up in the air and saying " sorry, I can't do anything ''. 

I spent XXXX hours of my life on this yesterday. I feel that nothing will come of it. The system is a sham. Someone should be hired to re-vamp and fix this whole system.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022, I contacted Equifax Credit Report regarding my credit score. Prior to contacting Equifax, my credit score was XXXX. However, once I conveyed my displeasure that the score given to possible creditors who inquired about my credit information from Equifax and my credit score was given to them to be XXXX. I was then placed on hold and within minutes the representative dropped my credit score down to XXXX. When asked why did my credit score drop down XXXX points, the representative informed me that it was due to my student loans showing to be under XXXX XXXX. I informed the representative that my student loans are no longer under XXXX XXXXXXXX, and I have an income based repayment plan. My XXXX XXXXXXXX was discharged in XXXX XXXX. 
Also, I informed the representative that it is showing me to owe XXXX XXXX XXXX {$310.00}, which is incorrect. To date, I am a XXXX customer and have car insurance through XXXX. The representative placed me on hold and as I type this complaint, I have been on hold showing 1 hr and 3 minutes. 
I have screenshot the information of Equifax prior to my telephone conversation, and after my 5 minute conversation with the representative. In addition, my mortgage is not shown on my credit report. 

The representative from Equifax falsely lowered my credit score, and the information shown on my credit report is incorrect and falsely placed on my credit report. This type of fraudulent should not be tolerated, especially towards a XXXX Veteran who served XXXX years in the XXXX XXXX. 

I would like to file a complaint against Equifax for reasons mention above. 

I can be reached for further information at XXXX. 

Thank you for your assistance.
Product: Mortgage

Rapid Mortgage repeatedly calls asking me if I want to refinance my mortgage. Each time I ask them to put me on the do not call list. They continue to call. I have even asked to speak to a supervisor.
Product: Credit reporting

Equifax has failed to report my credit worthiness accurately. Despite having well over XXXX purportedly valid collection accounts removed through persistence and due to gross billing errors, and fraudulent accounts that did not belong to me, and notably having XXXX positive accounts on reporting for over XXXX months - XXXX XXXX and XXXX - Equifax fails to update my score. They make a claim that they have updated my score each time I submit a dispute, but what all they have done is increased my score by few points ranging from XXXX to at most XXXX points and then subsequently ( almost immediately ) decreasing my score by the same amount or more. Because they keep making a claim that they are not doing it, I have paid for the monitoring service for over XXXX months to establish a record of the same. The record is attached.
Product: Money transfers

XXXX is offering an exchange rate of XXXX pesos per dollar on TV and the internet. I opened an account to send a small amount. according to their website, they state this : " The Promotion will entitle eligible customers to : make XXXX ( XXXX ) transfer of up to {$990.00} to XXXX at the foreign exchange rate ( the " Special FX Rate '' ) published on Remitly 's Special FX branded landing page or mobile application that linked to these Terms and Conditions, as that rate was published at the time that you submitted the transaction. 
Special FX Rate Conditions. The Special XXXX XXXX will be applied by XXXX directly to your qualifying transfer and can not be used on subsequent transfers. The Special XXXX XXXX is subject to change from time to time at XXXX 's discretion. The XXXX will be valid for qualifying transfers submitted during the XXXX Period and must successfully complete to be eligible for the Special XXXX XXXX. '' I sent XXXX dollars and XXXX pesos should have been received but only XXXX were deposited. When I called customer service they said I should have sent XXXX dollars, but I said the ad does n't say that. 
XXXX is deceiving customers with deceiving advertisements, that 's clear
Product: Credit card or prepaid card

I made a hotel reservation using XXXX XXXX website for a room at XXXX XXXX XXXX XXXX in XXXX Oregon on XXXX XX/XX/2021. The price shown to me was {$130.00}. 
I stayed at this hotel on XX/XX/XXXX and checked out on XX/XX/XXXX. At the time of checking out, I was given the option to pay which I did. 
Then I noticed 2 charges on my credit card. One from XXXX XXXX for {$130.00} and one from XXXX XXXX XXXX TX for {$190.00}. 
I contacted XXXX XXXX hotel in XXXX, and they said it has to be fixed by head office. 
I contacted head office and they said it has nothing to do with them and must be fixed by the hotel itself. I tried reaching XXXX and could not talk to a live person. I entered a dispute with their website and they just ignored me. 
I disputed the charge with CITI which has issued my credit card and they dismissed my dispute. 
After a lot of back and forth with XXXX XXXX XXXX in XXXX, they refunded {$130.00} charge. 
I have not been able to get {$190.00} charge from XXXX down to {$130.00} that I had agreed to pay. 
The easiest way to prove that this is a fraud, is to check prices for this Hotel. A room with 2 Queen bed which I got even in high season is not {$190.00}. For XX/XX/XXXX, it was {$130.00}. 
It seems to me that XXXX XXXX XXXX XXXX in XXXX is a party to this fraud for double charging and over-charging. 
Nevertheless, I have been defrauded for the difference between agreed price ( {$130.00} ) and charged price ( {$190.00} ) and my efforts to sort this out through reaching the hotel, Citi and XXXX have been all unsuccessful.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.