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

EQUIFAX HAS VIOLATED SEVERAL OF CONSUMERS FEDERALLY PROTECTED RIGHTS. INCLUDING THE REPORTING OF INQUIRIES, ACCOUNTS AND COLLECTIONS WITHOUT CONSENT, WRITTEN PERMISSION AND PERMISSABLE PURPOSE. EQUIFAX HAS ALSO VIOLATED CONSUMER 'S RIGHT TO PLACE SECURITY, FRAUD ALERT AND XXXX XXXX ALERT THORUGH MYEQUIFAX.COM. VERIFICATION OF IDENTITY HAS BEEN SENT SEVERAL TIMES AND EQUIFAX IS NOT ACKNOWLEDGING CONSUMERS REQUEST TO DISPUTE INACCURATE AND IMPERMISSABLE INFORMATION. TOTAL LIST OF THE FOLLOWING : XXXX XXXX  ACCOUNT NUMBER XXXX CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, ALSO THE AGE OF THE SATISFACTORY ACCOUNTS ARE INCORRECT THE ACCOUNTS ARE SAID TO BE OPENED IN XXXX AND XXXX BUT ARE REPORTING AS ONLY A FEW MONTHS OLD, THIS DECEPTIVE AND INACCURATE. 
REGULAR INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX COMPLETE LIST OF XXXX SOFT INQUIRIES STARTING XX/XX/XXXX TO XX/XX/XXXX Consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter.
Product: Debt collection

Sunrise Credit Services has attempted to collect a fraudulent debt - a debt that I do not owe. This is a debt from XXXX XXXX that I have disputed with the company many times. However, Sunrise Credit Services has sent me a harassing letter trying to collect such debt. I have asked Sunrise Credit Services for written proof or documentation explaining how I owe the debt to XXXX. This is something that they are legally required to provide to a customer if a customer has requested it. They have failed to provide any requested documentation to the customer. 

Unfortunately, I have paid the debt under duress - not because I owe the debt, but because Sunrise Debt Collections has threatened to ruin my credit because of this fraudulent debt. It is unlawful for a debt collection company to do this, and I am requesting a full refund of the money paid, because it was paid simply because of their threat to improperly report the debt to the Credit bureaus. 

Relevant Info : Creditor : XXXX  Account Number : XXXX XXXX  Account # XXXX
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally notify you of ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related to your handling of disputes I have submitted regarding inaccurate and incomplete information in my credit report. These issues mirror the allegations made in the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against Experian XXXX XXXX XXXX XXXX XXXX, and they have caused significant harm to my creditworthiness and financial opportunities. 
Specific Violations Failure to Conduct a Reasonable Reinvestigation Despite my dispute submitted on XX/XX/year>, Experian, has failed to conduct a reasonable reinvestigation into the accuracy and completeness of the information as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
XXXX responses to my disputes have been vague and inconclusive, reflecting the same procedural inadequacies outlined in the CFPB lawsuit, such as over-reliance on furnishers responses and failure to verify disputed information properly. 
Failure to Convey All Relevant Information to Furnishers You have failed to provide all relevant information I submitted in support of my disputes to the original furnishers, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). This lack of due diligence severely compromises the integrity of the reinvestigation process.

Continued Reporting of Inaccurate Information Experian continues to report disputed information as accurate, even when supporting evidence clearly demonstrates inaccuracies. This conduct violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 
Impact of Violations Your actions have caused significant harm, including : Denial of credit and less favorable financial terms. 
Emotional distress and reputational damage. 
Financial losses associated with higher interest rates and missed opportunities. 
Demands for Resolution To resolve this matter without further escalation, I demand the following : Immediate Correction or Deletion : Promptly correct or delete the inaccurate and unverifiable information from my credit report. 
Compliance Confirmation : Provide written confirmation of all corrective actions taken and an updated copy of my credit report. 
Damages : Compensate me for : Statutory damages of {$1000.00} per violation, as authorized under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ).

Punitive damages for willful noncompliance with the FCRA, under 15 U.S.C. 1681n ( a ) ( 2 ). 
Reimbursement of legal fees and costs incurred in addressing this matter. 
Next Steps If these demands are not met within 15 days of receipt of this letter, I will have no choice but to pursue the following actions : File formal complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Initiate legal proceedings to enforce my rights under the FCRA. 
I strongly urge you to address this matter promptly to avoid further escalation. Please send all correspondence related to this matter to the contact information provided above.
Product: Student loan

I am XXXX from a XXXX in 2003. My income went from about {$4000.00} a month to XXXX ( social security XXXX ) My XXXX was severe enough for my Social Security to be approved in just 3 months. I have begged J.P Morgan Chase to forgive my private student loans as, my financial situation will not be getting better. I am XXXX years old, and certainly did not plan on my XXXX career to end as it did. My husband ( who is XXXX as well ) struggle each month with making ends meet. I have continually pursued this loan forgiveness, and they continually turn me down. The last letter I received said I did not meet the " destitute : criteria. My Loan is now being handled by XXXX XXXX services, who on their website it says you may be awarded a XXXX forgiveness if you are deemed unable to work. In the paperwork from the Qualified XXXX I saw for my XXXX it says, and I quote '' XXXX ( XXXX ) XXXX can not return to work as a XXXX requiring direct unsupervised patient care '' end quote. I can not lift, bend, stand, sit or lay for any prolonged periods of time. What exactly do I have to do to get J.P Morgan Case to realize I am XXXX and will NEVER be able to work again, and do not have the means to repay this loan. Would they like for me to send them one of my limbs??? I will continue to fight them and will not be making any payments of loan XXXX and XXXX until something is done. I will continue to make loan # XXXX payments only because my son co signed for that one. I need someone to listen to me and help me! Maybe its time for them to help others like they got help with the bailouts years ago.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account # XXXX Date opened : XX/XX/2021 Balance : {$390000.00} FRAUDULENT NOT MINE
Product: Checking or savings account

On XX/XX/2024, I attempted to submit a claim on an unauthorized transaction in the amount of {$310.00} was placed on my checking account. It was incorrectly filed, as XXXX transaction was for some reason wrapped into the claim when it shouldnt have been. The claim eventually came in the mail as a letter stating that it had been declined. Upon reading the letter, the incorrect $ XXXXsomethung amount was shown, and for the wrong reason. I dont know what miscommunication lead to this being the case but its simply ridiculous that it was made my a professional Wells Fargo claims representative. 

After continued communication, it is currently XX/XX/2024, and they have continued to provide no answers as to why this was done, have told me, the account holder, to reach out to the unauthorized merchant, and ask for assistance since they cant do anything now that they submitted a false claim. They have made me wait for XXXX minutes for a senior claims representative only to literally hang up on me within seconds. MULTIPLE TIMES. It is beyond unprofessional and I am tired of their antics. 

They have been unable to provide true answers every single time when questioning them about what lead to this error as it was explicitly clear in the initial phone call I made what transaction I was referring to. I did not appreciate being talked down to as if XXXX a XXXX human, in their calls they treated me as XXXX and XXXX honestly offended.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according 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, 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 an 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 card or prepaid card

I first contacted Comenity Bank regarding my Sony Visa on XX/XX/XXXX, XXXX to file a dispute for {$1700.00} against a local business. The agent that assisted with opening the dispute had no idea what she was doing, she even admitted to me that she normally doesnt do them. She hardly took any information, not enough that would allow for the disputes team to come to a reasonable conclusion. She did not tell me that I would have to send documents in by mail. She stated I would receive something in a couple of weeks. A few weeks went by and I didnt hear anything so I gave Comenity a call. The lady I spoke to informed me that they had closed the dispute. I had never received anything notifying me of their decision, nor did I receive any documentation provided to the credit card company from the merchant. They gave the merchant the upper hand and kept me in the dark. From the very start, this company did everything they could to set me up for failure. I would talk to someone on the phone and they would direct me to their messaging portal. I would do what they said and use the portal and then get a response that said I needed to call customer service. The fact I was told so many incorrect things and then could also never actually speak to anyone in the disputes department was beyond aggravating. I was told I could file a dispute through the portal and that I could submit my documents on there as well. All of those were in fact lies. I had to send those things in writing. I appealed the decision and this time was able to send in the documents, I even provided a copy of the XXXX reviews the owner was leaving for her own business. Shes a deceptive person, and I wanted them to see that. One of the representatives I spoke with had the audacity to tell me to take it to small claims court. I provided everything this company needed to do its job. They couldnt even provide me with an explanation as to why.
Product: Debt collection

EdFinacial Services Account # XXXX ; EdFinacial Services Account # XXXX ; Department of Education Loan Identification # XXXX ; Department of Education Loan Identification # XXXX All Mentioned Debt in the amount of {$2900.00} XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has Been Paid & Discharged Via IRS FORM 1099 Cancellation of Debt on XX/XX/year> I received a IRS 1099 Cancellation of Debt Copy B Form in the Mail ; immediately Update the Accounts Mentioned ; to Paid in Full with a Balance of {$0.00} in accordance that the accounts have been Lawfully Discharged Via 1099 Cancellation of Debt
Product: Credit reporting

My credit score dropped XXXX points from XXXX to XXXX virtually overnight. The only possible issue was closing my XXXX credit card as I previously reported under a separate complaint. There was also an address for XXXX, Nevada which I told them I never lived there. I have lived in Nebraska all my life. When I asked what other bad information they had about me which may have caused the drop in score they refused to answer. When I asked to have them resolve the errors on my acocunt and look into the fraud they refused. I just got off the phone with Trans Union at XXXX CDT XX/XX/2017.
Product: Debt collection

I received a letter from the bank XXXX XXXXXXXX XXXX XXXX. The bank did the investigation on the account and found that it was fraudulent. So the debt collector still refuses to remove the account from my credit report. 
The bank is where the fraudulent account is from.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$1800.00} XXXX  XXXX XXXX {$1900.00} XXXX - XXXX {$150.00} XXXX XXXX - XXXX {$1900.00} DP XXXX XXXX - XXXX {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX - XXXX {$1400.00} XXXX  - XXXX {$0.00} XXXX  - XXXX {$180000.00} XXXX XXXX XXXX {$0.00} INQUIRY XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and signed and notarized a Truth and Facts Affidavit which I had notarized and both are attached. Please Block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. Identity Theft XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
2. Identity Theft XXXX XXXX  This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
3. Identity Theft XXXX XXXX XXXXXXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
4. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
5. Identity Theft XXXX XXXX, XXXX. 
Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a FTC Report. Please investigate and remove from my credit report. 
Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c2 ) which states that these accounts must be removed within 4 Business Days of receipt.Also, please send an updated copy of my credit report to the above address.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to the CFPB under FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that you, as the Fair Credit Reporting Agency ( FCRA ), remove from my credit report any information resulting from identity theft and fraud within four business days of receiving this complaint. The inaccurate, fraudulent, and incorrect information includes a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), a credit account opened at XXXX  XXXX on XX/XX/XXXX, under the account number ( private ), an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX, under the account number ( private ), a credit account opened at XXXX XXXX on XX/XX/XXXX, under the account number ( private ), and an account opened at XXXX XXXX  on XX/XX/XXXX, under the account number ( private ). These fraudulent accounts have led to several unauthorized hard inquiries and collections showing up on my FICO credit report. I have attached a list of the disputed hard inquiries and a copy of my credit report from you, which shows these fraudulent entries. I do not recognize any of these accounts, collections, or hard inquiries and did not authorize or open them. All of these items are the result of identity theft and fraud. As evidence, I have also included a copy of my FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ), confirming from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are the result of fraud and identity theft.
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. 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. 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. Equifax, XXXX  and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I strongly disagree with the response provided in your investigation. Despite your investigation, the following incorrect items remain on my credit report. I request an immediate reinvestigation of these items for valid reasons, as they are significantly damaging to my credit rating. 

1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 4. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

5. Please explain how you verified this account to remain on my report when it is reporting a PAST DUE amount on a CLOSED and CHARGED OFF account. 
XXXX XXXX XXXX Account Number : XXXX If you can not explain how you verified this account when it is reporting a past due amount on a closed and charged off account then please DELETE immediately. 

6. Please explain how you verified this account to remain on my report when it is COLLECTION reporting a PAST DUE amount. 
XXXX  Account Number : XXXX If unable to explain how you're verifying a XXXX  account with a PAST DUE then please DELETE immediately.
Product: Consumer Loan

I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.
Product: Prepaid card

I have attempted to use card at numerous vendors and payment continues to be denied. Company informed me not to save card info and try still denied. Even had one company inform me I attempted to make a fraudulent payment. Don't get why the card was paid for in advance but I can't spend the funds