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

I continue to dispute and this is my second complaint regarding XXXX, Experian and XXXX. XXXX send documents to me from my previous complaint and it was not legitimate. There were different names and signatures on these documents. Not one paperwork had my signature on it. XXXX is reporting MULTIPLE false accounts continuously to credit bureaus. If the investigations were done PROPERLY each credit reporting bureau would have seen that these are not my accounts from the FRAUDULENT paperwork from XXXX. This is my last formal complaint before I am forced to have this issue tried in court for violation of the fair credit reporting act and Fair debt collecting practices act.
Product: Debt collection

I received an offer in the mail to settle a debt that I got while I was over seas on XXXX XXXX. the agent advised I could settle the debt for {$610.00} I told the agent I did not have the money to do it and he said that they could extent to off for 30days if I give them account information to bill I was not sure but he said after 30days when the payment clears they would send a request to have the account removed from my credit report. I agreed and give my cc info, the card was charged on XX/XX/XXXX then last week I was checking my credit and saw that the account was still there and that the balance was still the same I rechecked with my bank and the payment had cleared 30 days from the offer date but acima credit never updated or removed the tradeline like they said so I called them to find out why and she said that I was not told any of that and that I would have to dispute it with the CRA I call and placed a dispute with XXXX  and on XX/XX/XXXX. On XX/XX/XXXX there was an update to my credit report that account is not listed as settled for less but not they had added 2yrs worth of late payments and even late payments for XXXX and XXXX when the account was settled in XXXX of XXXX these action caused my credit score to drop as now I have late payments for an account that was just a collection account. I am scared to submit another complaint because I cant afford for my score to drop again I have been working really hard to fix it and because I asked them to honor what was agreed on my XXXX  score dropped 23 points and my Fico score dropped 12
Product: Credit card or prepaid card

I tried to use my Chase Sapphire Visa card I've had for several years to buy some concert tickets multiple times without success. I spoke with the company at least four times about the problem, but it still didn't work. I spoke with managers and their fraud department. Initially, it seems like they had a charge level set below the purchase cost, but even after I identified the seller name & exact dollar amount, the charge was again declined. This was after I was specifically told by a manager in their fraud department the charge would now go through. They refuse to admit fault, claiming the billing address or security code entered was incorrect. I refuse to believe their claim as : 1 ) they later admitted they had set a low fraud limit, below the amount I tried to charge ( and well within my credit limits ) ; 2 ) : the charge was attempted at least 4 times by at least 2 different sales clerks ; 3 ) : I gave the sales clerk my billing address & security code ; ( 4 ) : in the last two charge attempts, the sales clerk had the card in his hand ; ( 5 ) I was well below my limit, have never missed any payments with years of credit history & have a pretty high credit score. 
I ended up using a different credit card with no problem at all. 
I believe they refused the charge because they didn't want me to get the reward points.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am reaching out to you about multiple false, full of errors, and reporting inaccurately accounts on my experian report. I have reached out to Experian multiple times and have had multiples talks with reps and mangers about these accounts and were told they would be removed, these accounts are in litigation because of and Identity Theft incident which has already been discussed with Experian. They have failed to remove these accounts and will be included in the law suit if they do not correct and remove them immediately. 

ACCOUNT : S DEPT OF ED/XXXX ... ( REPORTING 5 TIMES INACCURATELY, MISSING DATA, REPORTING PAID AND COLLECTION AT SAME TIME, CAUSED FROM IDENTITY THEFT )
Product: Mortgage

I received a flyer to participate in the VA IRRRL program from Clearpath Lending in XXXX of XXXX. I began the process to use the IRRRL program in XXXX of XXXX  to decrease our interest rate from 6.7 % to 4.99 %. Because we closed on our current loan in XXXX of XXXX, we were told that we would need to wait until our 7th payment posted on our current mortgage which ocurred in XXXX of XXXX 

Starting in XXXX, I requested a rate lock multiple times with our lender. I was repeatedly told that upper management was refusing our request. 

The lender called me today and told me that they had successfully locked our rate at 5.6 %, over a half percent higher than we were initially told. This bait and switch is massively detrimental to my household and our financial plans. 

The lender has also repeatedly told us that we could skip up to 2 mortgage payments to help us get cash back in our pocket, which is specifically disallowed according to the VA.gov website.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempts to address the fraudulent items on my credit file. I kindly request that you escalate this matter and exhaust all available avenues to thoroughly investigate and remove these fraudulent items from my credit file. Transparent communication regarding the progress made and the actions being taken to resolve these issues would be greatly appreciated. 

Despite numerous correspondences and persistent efforts, it appears that the fraudulent items have not yet been removed. 

I understand that addressing cases of fraud can be complex, but it is essential that we work together to expedite the resolution process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory outcome. The following fraud items should be removed as soon as posssible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( Original Creditor : 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 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 has violated my rights. 

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.

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 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 or other personal consumer reports

To Whom It May Concern, After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) The transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 

XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE! 

XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized hard pull, where did you get this misleading information? This is unfair! DELETE!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX Alternate Email : XXXX XX/XX/XXXX Complaint Number XXXX XXXX XXXX Equifax XXXX. 
XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Regarding Denial of Credit Report and Inadequate Response Dear Equifax XXXXXXXX XXXX  , I am writing to formally dispute the handling of my complaint concerning my inability to receive my free annual credit report as provided under the Fair Credit Reporting Act ( FCRA ). My original complaint, filed on XX/XX/XXXX, specifically requested a copy of my credit report. Instead of addressing this request, your response dated XX/XX/XXXX, merely confirmed that my personal information ( such as my name, Social Security number, and date of birth ) is reported correctly. This response completely disregards the core issue and violates my consumer rights under federal law. 

By focusing solely on the accuracy of my personal data, you have not only dismissed the substance of my complaint but also failed to fulfill your statutory obligation to provide me with my credit report. I consider this a breach of the FCRA, which clearly mandates that consumers are entitled to XXXX free credit report from each credit reporting agency every year. 

In light of the foregoing, I respectfully request that Equifax take the following actions : XXXX. Immediately provide me with a complete, unredacted copy of my current credit report. 


XXXX. Offer a detailed explanation as to why my initial request for my credit report was ignored and why your response focused on information unrelated to my complaint. 


XXXX. Confirm the corrective measures you will implement to ensure full compliance with the FCRA and to prevent similar issues in the future. 



I expect a prompt response within XXXX business days from the date of this letter. Should I not receive a satisfactory resolution, I will have no alternative but to escalate this matter with the Consumer Financial Protection Bureau and pursue all available legal remedies to enforce my rights. 

Thank you for your immediate attention to this serious issue. 

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

Back on XX/XX/2022 I updated XXXX about a wrong address for a creditor that was listed on my credit report. The creditor was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Equifax had the same creditor listed with address XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX The Creditor was removed after the realization but the defamation to my character was already done and has caused me many hardships to my life and family. I was never updated about the removal or any update to my credit score from either credit reporting agency. This was a grave error and their responsibility to complete accurate investigations before reporting on me as a consumer.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

Was forced into forbearance when they would not let us lower our monthly costs and made it impossible for us to enroll in payments based on our income, therefore racking up more interest on payments we were unable to make in the first place.
Product: Mortgage

I made my XXXX/XXXX/XXXX mortgage payment to Loancare. I then requested a payoff of my mortgage through XXXX/XXXX/XXXX. I then refinanced my mortgage with XXXX XXXX on XXXX/XXXX/XXXX and the payoff applied to my Loancare mortgage on XXXX/XXXX/XXXX paying everything in full. 

On XXXX/XXXX/XXXX Loancare took an additional {$52.00} PMI from my escrow account overage that was getting ready to be cut to me as it was overage from my payoff. 

I called Loancare and all they can tell me it was taken Bc PMI is paid in arrears but my argument is this additional PMI was included in the payoff through XXXX/XXXX/XXXX. They said no it is never included in the payoff. ( This makes no sense to me, Bc why do I even request a payoff if they have extra hidden fees ) they said they ca n't help me anymore and to send in a written request. 

I have only had problems with them since XXXX  transferred to them. If you can please help us as I feel like we are getting fleeced an extra {$52.00} on top of the payoff we paid to them. 

Thanks XXXX XXXX
Product: Debt collection

Did n't know my social security number was used That took place with this loan Definitely need it fixed on my credit
Product: Checking or savings account

Capital One received my direct deposit paycheck but refuses to record it in my checking account. The deposit should have been there the morning of XXXX/XXXX/2025 at the latest in the amount of {$1900.00}. I have tried customer service but am given no information at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This situation is hindering me for getting approved for apartments.
Product: Debt collection

LVNV Funding LLC {$940.00} XXXX XXXX This agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. 

I have made previous attempts to fix these issues directly with them and they are violating my rights and I am entitled for {$1000.00} for every violation I listed that theyre either pay me or delete this account ASAP.
Product: Debt collection

I CEASE AND DESIST ALL MEDIUMS OF COMMUNICATION AND THAT INCLUDES THAT ON MY CONSUMER REPORT I WILL HOLD YOU LIABLE TO THE ORIGINAL AGREEMENT AND TAKE YOU THROUGH ARBITRATION IF NEEDED I DEMAND A PROPER METHOD OF VERIFICATION BE PROVIDED, THANK YOU
Product: Mortgage

1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent. Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXX, XXXX XXXX CA XXXX. After they failed adit violation they state it was due to National Change of Address and now thye anditted in XXXX XXXX it was data breach. 
Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. But the company name I called number is XXXX XXXX  XXXX. No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX  and blacked out that no one can read. Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year. 

Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit burea u ( s ) and  inform them that the information/account number being reported by   XXXX   XXXX   XXXX   XXXX  is not my account, please remove, and have   XXXX   XXXX   XXXX   XXXX  provide a sign contract with my signature. With the the loan number being reported. The information was not removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an incorrect coding of the XXXX XXXX - partial account number XXXX. ( Please see page 6 and 7 of the  attached credit report. ) This account needs to be coded as an M1. It is showing that I am 30 days past due. This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act.. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

Subject : Hardship Letter and Dispute for Unauthorized Accounts XXXX XXXX XXXX XX/XX/2024 XXXX XXXX Dear Sir/Madam, I, XXXX XXXX , am writing this letter to address a matter of utmost importance regarding unauthorized accounts opened in my name. Due to a recent XXXX that has left me suffering from aphasia, I am unable to communicate verbally and can only correspond in writing, preferably through email at XXXX or by postal mail. 

In accordance with your instructions, I have filed an FTC complaint with the reference number # XXXX. I am seeking your immediate assistance in removing my information from XXXX XXXX records, as I did not authorize the opening of the following accounts : XXXX. Account Number : # XXXX XXXX. Account Number : # XXXX ( XXXX XXXX ) Of particular concern is the business card account, as I am not aware of any company associated with it. These accounts are currently in collections, compelling me to consider the unfortunate option of bankruptcy. 

I believe my identity was compromised while I was employed at XXXX XXXX  and may have been used by individuals named XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I kindly request a thorough investigation into this matter. 

For further communication, please reach me via the provided email or postal mail address. 

Thank you for your prompt attention to this matter. 

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

" Adverse action letter ' dated XX/XX/XXXX @ XXXX Indicated " rental history ' was the reason for denial -- namely a tenant screening report that references a 'Dispossessory ' {$300.00} which was actually a 'Consent Agreement ' in my ( Defendant ) favor of {$300.00} which represented a a security deposit to be returned and court document noted : " Tenant has vacated the property. '' XXXX XXXX XXXX. See Consent Agreement Date d XXXX The other error indicated that I used an alias " XXXX XXXX XXXX '' which is false whereas another person resides at the address by that name.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX  to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$720.00}