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

I am writing to formally file a complaint against Equifax for what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) and for engaging in practices that have caused significant harm to my credit profile. Below, I outline the details of the issue and request your assistance in investigating and resolving this matter. 

I recently disputed a bankruptcy record on my credit report with Equifax, asserting that the bankruptcy is time-barred and should no longer be reported. 

Equifax claims that on XX/XX/year> ( XXXX XXXX ), they contacted a third-party provider to verify the bankruptcy. This claim raises concerns about the credibility of their verification process, as it is highly unusual for such actions to occur on a federal Following this alleged verification, Equifax updated the bankruptcy record on my credit report to reflect a filing date of XX/XX/year>. This is a gross misrepresentation of the actual filing date and creates the false impression that this is a new bankruptcy. This inaccurate reporting has caused significant damage to my creditworthiness and financial reputation. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. By misrepresenting the filing date of the bankruptcy, Equifax has failed to meet this obligation. 

XXXX claim of verifying the bankruptcy on XXXX XXXX raises serious doubts about the thoroughness and legitimacy of their investigation. 

The inaccurate reporting of the bankruptcy as a recent filing has caused significant harm to my credit score and financial standing, potentially affecting my ability to obtain credit, housing, or employment.
Product: Student loan

My minimum payments for all of my Navient student loans are set up to make it impossible for me to ever pay these loans back. 

Looking over my balances, I have several loans with a balance of {$1800.00} to {$2500.00} dollars and the payments are slated to end in XX/XX/XXXX. I graduated in XX/XX/XXXX. I should be able to easily pay these off, HOWEVER my minimum payment to Navient each month is {$950.00}. If I applied that minimum payment to one loan at a time I'd have 3 paid off in 6 months -- which would lower my monthly payment by {$100.00} A MONTH and save me a couple thousand dollars. 

I pay on time. I make XXXX a year with my sad degree. Unfortunately if I play by the rules I won't be able to own a home or afford my own car payment until I am XXXX anyway. So I'm taking matters into my own hands and taking the hit to my credit. I'm going to take my minimum payment and apply it to ONE loan. This will save me {$600.00} on that one loan and 7 more years of making $ XXXX   monthly payments on that loan to Navient. 

Attached you will see how many individual minimum payments I make monthly to Navient, 6 years after receiving my degree. 

My minimum payment due for the past 4 years has varied from {$850.00} to {$970.00} a month. I am not a doctor. I have a XXXX XXXX Degree. My father works for the XXXX XXXX XXXX and as he should, claimed me all throughout my college years. The amount of money the government believed my father of XXXX children should have had saved for me to get an education is absolutely ridiculous. I came out of school with over $ 80K in debt. This was career crippling. I couldn't move away to an area where I'd make more money. My monthly student loan bill was almost the size of my parents mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt appears on my credit report by a third party lender. I initially requested to know who the loan originator was and denied that information. I have requested to have this information removed as the account has been added to my debt consolidation loan in XX/XX/2015. Once my loans were consolidated it should be a violation of my rights for them to continue to report it. I have contacted ACS/ XXXX/ Conduent regarding my student loan and I have disputed it with the credit reporting agencies ( XXXX, XXXX, and XXXX XXXX ) and the student loan companies are stating that the information is accurate and refuse to remove it from my account. ACS/ XXXX/ Conduent told me that they have no accounts associated with my social security number. When I have them dig deeper they find accounts that are closed, paid in full. However ; they still appear on my credit report as a negative. When contacted, they told me that even though they accepted full payment and closed the account, the missed payments continue to be negative on my account. XXXX XXXX has my student loans in debt consolidation and it shows in good standing on my credit report. What is the point of paying off any debt if you have ever missed a payment? Companies can do whatever they want to consumers and it's basically too bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I submitted a request to deposit {$20000.00} from my bank account into my Coinbase Pro account. On XX/XX/21 the {$20000.00} cleared my bank account, but the funds in my Coinbase account remain in " Pending '' status as of XX/XX/21 and I do not have access to these funds. I have reached out to Coinbase multiple times showing my bank statement withdraw of {$20000.00} and my " Pending '' {$20000.00} in Coinbase Pro account and they refuse to acknowledge the issue and have since stopped communicating with me. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am victim of identity theft. Multiple accounts all around the country have reported fraudulent accounts using my name. 

On XX/XX/XXXX, Amerifinacial solutions have reported fraud accounts using my name to the Credit Bureaus. The amount is showing {$880.00} from XXXX XXXX of XXXX. 

I contacted the company immediately after being notified by my credit monitoring service and the young man who I spoke at Amerifinacial failed to comply. My rights have been violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CXXXX XXXX is reporting XXXX an inaccurate amount balance of over XXXX dollars and its inaccurate and fraudulent. I have attempted to call and made great effort to keep the account in good stating and credit karma and XXXX XXXX keeps reporting negative status on balance which keeps my scote from moving up. This practice is on a consistent basis both blaming each othe. 2 XXXX XXXX is reporting an inaccurate account on my XXXX for account mercedez benz balance that's has not been updated because the balance is wrong. The reporting of old status must stop thus keeping my score from bring accurately reported
Product: Mortgage

We were charged legal fees on XX/XX/XXXX in the amount of {$1500.00}. We have been paying on that in the amount of {$50.00} per month. 
8 months later they started adding additional fees which is listed below We have extra fees being billed. 
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The only thing it says is Legal Fees. I want to know what these legal fees are for and they are not explaining this. It appears as if each month they are billing Legal Fees. This is unacceptable. Every time we inquire about this, they tell us they are investigating this matter and this has been going on for 3 months now. 

On XX/XX/XXXX we spoke with Midland Mortage and they indicated that these extra fees were related to the first Legal Fees of XXXX on XX/XX/XXXX and that XXXX XXXX was the one that instigated these additional fees. They advised us to contact XXXX XXXX. We did contact XXXX XXXX and they advised that there was a delay in filing the paperwork with the courts and that they sent a copy of what they filed to Midland Mortgage. There was absolutely nothing that Midland had to do other than open the mail. They did not have to file or sign any paperwork. 

We are paying additional money per month to the principle in order to pay the mortgage off sooner and it appears that since we have started doing this, now we are being billed additional fees.
Product: Debt collection

I have notified Equifax that the two accounts that they continue to report in my credit file are a result of identity theft. I have supplied police reports and they keep responding to my disputed as verified. I asked for proof of the method that this was verified and my request has been ignored several times. At the time these accounts were opened I was a minor and I explained this to the customer service person at Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX  this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that the credit bureaus to re investigate each account listed for the completeness and accuracy of the list of accounts below on XX/XX/2022. 

According to the FRCA the term investigate consumer report means a consumer report or portion thereof in which information on a consumers 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 he is acquainted or who may have knowledge concerning any such items of information. 

On XXXX they responded that my accounts were verified and 100 % accurate but how is that possible if they didnt do a proper investigation according to the law? Also every piece of information on these accounts are still not reporting 100 % accurate. According to the FRCA 15 USC 1681 everything must be 100 % accurate. I have attached my latest credit report as proof. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have multiple inquiries on my credit file that i did not approve or have knowledge about and they are fraudulent.
Product: Debt collection

I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. 
Upon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence.
Product: Mortgage

I have been trying to contact Selene Finance via phone and email regarding my short sale of my property in XXXX Alabama. The property was short sale in XX/XX/2019 but I am still getting payment statement every month and they are still reporting my credit to the credit bureau. 
The short Sale note said that my account will be paid in full once they received the fund which they already did. 
Every time I call Selene Finance they say the person who is handling my file is currently unavailable and every time I have called it says the same thing and it goes to his or her voicemail. I left them several voicemail but they never return my call and I do not know what is going on with the short sale settlement. 
This has been going on for over few months now and I have not got any response from them. 
I have no other way to contact them.
Product: Checking or savings account

I got a new phone and switched service from XXXX to XXXX. I was trying to access my USAA account, but was locked out XXXX XX/XX/year> I tried to access account, but the service from the application did not help. I called XXXX XX/XX/year> and they told me to access USAA website and submit a request to change information. The site does not provide an option to contact via chat or email. I am XXXX XXXX who is stationed overseas, and I am told to call during business hours. Which means they want me to call during the time that I should be asleep.
Product: Debt collection

I am a federally protected consumer and I am requested validation of the alleged debt with Caine and Weiner. The document was received on XX/XX/2020 and I have not received a response from the company regarding the alleged debt.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email from Coinbase Compliance that my account was flagged for manual review. I was asked to provide information to verify my income. I started by sending them the previous 3 months of bank statements. I do not receive a pay stub, as my employer uses direct deposit when I get paid. My bank statements clearly indicate that I am paid by the employer on file, every 2 weeks. They responded that the information did not meet their requirements, and requested a tax statement. I sent them my tax statement for XXXX and XXXX, and their response was that they could not verify my income. By this point, my ability to buy/sell/trade my assets was frozen. I stated that I would be willing to provide my XXXX for XXXX once I received it. Eventually, after filing my taxes for the XXXX  year, I sent them my XXXX tax document on XX/XX/XXXX. All information on the XXXX XXXX document aligned with the information I was providing regarding my income amount. They responded that the XXXX XXXX did not meet their requirements. Mind you, my ability to buy/sell my crypto assets was frozen since XXXX of XXXX. I also requested an explanation as to how my XXXX XXXX did not meet their requirements, to which they failed to respond. I began moving my crypto assets off of their platform in XX/XX/XXXX, as the XXXX  market is known to be very volatile and restricting my ability to trade is criminal.
Product: Credit reporting or other personal consumer reports

Subject : Violation of Fair Credit Reporting Act ( FCRA ) - Request for Resolution Details of the Complaint : The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ), specifically under the provisions outlined in 15 U.S.C. 1681. 

* XXXXXXXX XXXX XXXX XXXX. 
* XXXX * XXXX * XXXX * XXXX * XXXX The following violations apply : 1. 15 U.S.C. 1681 Section 602 ( a ) : This section guarantees my right to privacy. The dissemination of my personal account information has occurred without my consent, violating this right.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : A consumer reporting agency can not furnish any information regarding my accounts without my explicit, written instructions. No such authorization was provided for the accounts listed above.

3. 15 U.S.C. 1681c ( a ) ( 5 ) : This section prohibits consumer reporting agencies from including adverse information in a report that antedates the report by more than 7 years ( excluding criminal convictions ). Adverse information tied to these accounts violates this time limit.

4. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : A person or entity is prohibited from furnishing any information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The furnishing of such inaccurate or outdated information has harmed my credit profile. 
Requested Resolution : I respectfully request that these violations of the FCRA be corrected immediately by : 1. Removing the unlawful collections and adverse items associated with the accounts listed above from my credit report.

2. Investigating and addressing the improper furnishing and reporting practices that led to these violations.

3. Ensuring compliance with all relevant provisions of the FCRA going forward.

I trust the CFPB will assist in holding the responsible parties accountable and ensuring that my consumer rights are respected. 
Supporting Documentation : I am prepared to provide supporting documents, including copies of credit reports and correspondence, to substantiate my claims.
Product: Credit card

Purchased trip insurance from XXXX XXXX. The site allows you to enter your home country so it is clear that it is a worldwide organization, but I purchased the policy in US dollars and the policy is a US policy, " XXXX '' underwritten by XXXX, a US company. My credit card company US Bank charged me a foreign transaction fee for a US dollar transaction because the parent company is located in XXXX, XXXX. If I 'd know that I would be charged this fee, I would have used a different card that charges no foreign transaction fees, rather than earning miles on my usual credit card. Online reports say this is happening more and more often, with airlines that book you on overseas partners with US dollar transactions, or airline resellers like XXXX. I called the insurance company ; they say it 's not their problem because they ca n't tell people they are a foreign company since some of their customers reside in XXXX, their home country.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. Incorrect Information : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company supplied information in the last complaint that clearly showed fraud. How was I in XXXX and XXXX at the same time? Also the first debt shows it was paid by credit card and the account had no balance now all of sudden there is a balance?? Secondly I havent lived in XXXX since 2022 so that application is clearly fraudulent. I dont have to show a police report per the law for XXXX my FTC report will suffice. Im attaching the move out statement you supplied. How can a credit card be an NSF.
Product: Vehicle loan or lease

We have a loan with Honda Financial Services for a XXXX XXXX XXXX. We have always made timely payments on the account. Beginning in XX/XX/XXXX, we sent in the usual payment which we mailed several days before it was due. We subsequently received the next month 's statement indicating that there was a past due amount as well as the current amount due ( I figured that the check somehow got lost in the mail ). We immediately sent in another check for the past due amount as well as the current month amount. After we mailed this double payment, Honda Financial Services finally cashed the XXXX check on XX/XX/XXXX ( over a month later ). The second double-payment check that was sent in XXXX was finally cashed on XX/XX/XXXX ( again, a month later ). I called Honda Financial Services on XX/XX/XXXX to complain about the late cashing of my checks. On their recording at XXXX there is a message indicating that they are aware that the U.S. Post office is understaffed and that payments have been received late. When I spoke to the representative, they agreed to remove the late fees ( {$20.00} in total ) however they said that they could not fix the negative credit reporting. I explained that I mailed the checks in plenty of time and that they cashed them very late and it is no fault of mine that the U.S. Post Office has been behind with delivery. However Honda Financial Services would not repair any negative credit reporting. We will be paying online in the future to avoid use of the postal service ; however we want the negative credit reporting to be corrected.