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

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. The Credit Bureaus failed to complay with the FCRA section 605b which states that the Credit Bureuas are required to delete any account and information that resulted from an Identity theft. I reported the theft if my Identity to the FTC and attached copies of the FTC 's Identity theft report. The following Fraudulent Information listed below are still reporting on my credit report. I am hoping that you may be able to help me and have these items deleted as soon as possible. 

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$4100.00} XXXX XXXXXXXX XXXX Owed : {$340.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/year> I bought a class and membership to XXXX. I was laid off in XXXX and decided to change my career path to XXXX. XXXX and XXXX are XXXX XXXX  XXXX that are helpful to have in the XXXX XXXX. I signed up for XXXX and XXXX XXXX XXXX XXXX through XXXX and I purchased a XXXX  membership, all of which cost {$1500.00} ( i received a 20 % discount on the class ). I enrolled in this class to prepare me to apply for and pass the XXXX XXXX  XXXX. The class was to run XXXX XXXX. On my XXXX day of class, the teacher made it clear that the class was only for XXXX XXXX or people XXXX XXXX XXXX XXXX. I emailed the teacher, who said it sounded like I did not qualify for the XXXX test. I requested my money back and XXXX pointed to their refund policy which states they will only refund up to 10 days before the class begins. I was not aware that I did not qualify until the class started. 

I called XXXX XXXX XXXX XX/XX/year> and told them I would like to dispute part of the XX/XX/year> charge. I only want to dispute {$1000.00}. I subtracted {$250.00} for books and the membership fee of {$240.00}. I explained that I was unaware of the work prerequisite required to take the test. The course was to prepare me for the test and did not list any prerequisite work experience to enroll. 
Although very nice, the Dispute representative refused to dispute the charge, even partially. He referenced the XXXX XXXX policy and stated Visa would deny the dispute due to the policy. 
I was allowed to enroll and pay for a class that I do not have the experience for. I do not have the experience needed to apply for the XXXX test which the class was supposed to prepare me for. I was mislead to believe the XXXX Certification XXXX XXXX would prepare me for the XXXX exam, but the required work experience needed to qualify for the exam was not disclosed when signing up for the class. 
Southwest Visa/Chase refused to dispute the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Equifax since XX/XX/XXXX2017 that there were two medical debt accounts reporting on my credit report from XXXX, one in the amount of {$18.00} and another in the amount of {$430.00}. I contacted Equifax and advised them that I do not owe the debt and that the original creditor said they will bill my insurance company. Equifax stated that I needed to dispute the account, I disputed the account and Equifax then responded saying the debt is valid and to contact XXXX. I contacted XXXX that advised me that they were not aware that the account did not have a balance and to contact the original creditor. I contacted the original creditor that stated that they will notify XXXX that I do not owe a balance and to remove the account from my credit file. I then contacted XXXX. XXXX then stated that they received notification from the original creditor that there was no debt and to remove the information from my credit file. I contacted XXXX to request documentation to confirm that they have requested the deletion. I received documentation which I then submitted to Equifax as proof that the information on my credit file is inaccurate and to remove it. Equifax has since denied my request stating that the company has not sent them a request to delete the information from my credit file. I contacted Equifax on XX/XX/XXXX and spoke to XXXX ( Provided ID # XXXX ) that stated that she was a supervisor at Equifax and that Equifax can not remove anything from my credit file and that even though I have submitted proof that the information is inaccurate they do not have the ability to remove it.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report.
Product: Mortgage

I lost my job in XXXX and I applied for assistance with my mortgage company Ocwen and was denied my loan feel behind and I had it reinstated in XX/XX/XXXX of this year. Ocwen was sold to PHH Mortgage and my loan is behind and I called to get a reinstatement quote and was referred to the attorney handling the foreclosure and was told that it was just sent over to them that day this was on XX/XX/2019. I called the attorney 's office and their voice mail said that I neede to email them so I did. I sent them my original email on XX/XX/2019, I got no response so I sent a follow-up email on XX/XX/2019, and finally got a response on XX/XX/2019, saying that they do not have my loan in their office they have a closed file from XX/XX/XXXX of this year. Now when I try to contact PHH thier phone system says due to technical difficulties they can not connect me with customer service. I have not received any paperwork on the forclosure, nor do they seem to want to resolve the issue with me or help me out in any way. I want to get my loan reinstated.
Product: Credit card or prepaid card

I canceled the {$83.00} charge with American Express from XXXX because a event I had signed up for was canceled DUE TO COVID and the insurance should have been refunded as well DUE TO COVID. American Express claimed to have reviewed the account - but DID NOT. They only sent me a web link and DID NOT ISSUE A REFUND OR investigate the complaint. I want a full refund!
Product: Credit reporting or other personal consumer reports

I have disputed with credit bureaus unverified bankruptcies on my report. XXXX has informed me that they somehow verified the bankruptcy, XXXX XXXX said they used XXXX XXXX ( XXXX  party ) to verify. Then they said they contacted the furnisher, us bankruptcy court. then they emailed and said that they can make their own determinations at to records. 

Please see attached documentation : XXXX. Furnisher has mailed me a letter indicating that NO bankruptcy is in my name, XXXX. XXXX Party, XXXX XXXX, has confirmed that there is NO verified bankruptcy in their files. 
XXXX. Data breach letter attached. 
XXXX. FTC report attached. 
XXXX. XXXX after investigation has removed the unverified bankruptcy, Last attempt to have XXXX remove these unverifiable public records from my report before commencing Legal action for violations of Privacy and FCRA violations.
Product: Checking or savings account

I opened a checking account with Bank of America to set up direct deposit for my unemployment checks since D.O.L doesnt honor online banks to deposit funds into,2 days after I opened up my account I seen that there was a second checking account opened up under my name that I never authorized or opened up myself, I brought this to their attention and the canceled my debit card and froze my account without any warning to me whatsoever, they had me travel to 4 different branches to verify my identity and was told 4 different stories why I couldnt access my funds, finally over 3 weeks later I received a new debit card but still can not access my funds that were deposited on XX/XX/XXXX, I was finally able to access my funds the XXXX or XXXX week in XX/XX/XXXX and withdrew money and left XXXX $ in my account, that was the last time I was allowed to access my account, they told me they force closed my account because of fraudulent activity and kept the balance of XXXX $ from my account, there was nothing illegal or fraudulent going on, I had my paycheck from my previous job getting direct deposited into that account and that was all, they never mailed me any paperwork from my last complaint nor did they ever contact me, matter of fact they deleted me entirely to where I couldnt call customer service and speak with them bout my account since there was no phone number on file to which they could send me a code and that would let them gain access to my information one I read back the code, they ignored me completely since then, I would like my money back that they stole of me plus whatever punishment that can be handed down to them cuz me not being able to get that money that was first deposited in XXXX caused me to break my written agreement with my landlord that I had for payment of back rent and was evicted from my apartment along with my XXXX kids
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX per violation, for account listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for two significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : 1. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered.

2. Failure to Address 1099-C Non-Issuance by a Collection Agency : 3. Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations.

Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I request you to remove these inquiries. I have no information on this matter, and the company acted without my consent.
Product: Debt collection

I received a letter today from XXXX XXXX XXXX regarding a account that has been submitted for fraudulent transactions, also a theft report provided. I have no contract with XXXX XXXX XXXX & don't owe this debt.
Product: Mortgage

I am late making my payment I was trying to go into forbearace so that it would not show up on my credit report. They told me i was not able to.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected from Equifax by reporting false credit scores. Equifax assumed a vital role, which I did not consent to, in assembling and evaluating consumer credit and other information on consumers. As a consumer reporting agency, they have a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, in which they have not. They were unfair, and impartial. Theyve been furnishing my information without my consent and not respecting my privacy. They never had a permissible purpose. I never instructed them to even create the report.
Product: Credit card

I had a credit line of {$18000.00} on my Discover card. I had a balance of about {$10000.00} that I was making payments monthly on. In XXXX of 2014 my daughter was admitted into the hospital with a very rare XXXX that almost took her life away. We spent 28 days at the hospital where we used the card to take care of our expenses while we spent those days together in pain and suffering at the hospital. Somehow Discover allowed us to go past the maximum spending limit to a total of {$28000.00}. They never stopped the card from charging and let me go far over my limit. 
Naturally, I was going through very desperate times and had no choice. 
We 've been paying above the minimum payment every month an average of {$500.00} with a lot of sacrifice. I 've had this account for the past 20 years and I 've never missed a payment until now. I used to like Discover, they always did a good job for me and me for them. However, Discover not only increased my interest rate to usurious amount on the new high balance which I had full intention of paying but they also increased my minimum payment to {$750.00} a month making the payment no longer possible for me to pay. I called the company and spoke with so many representatives which did nothing more than to transfer me around to people who acted like they were managers. Ultimately nothing was done to help me reduce the interest or the minimum payment. My daughter remains ill today XXXX and has never been able to return to school. I am an everyday American with middle class income that has been taken advantage of by the predatory practices of a big bank. What 's worse ; is all along I thought I was a valued customer with a good credit card relationship. My daughter 's medical expenses are very costly and have to come first. Clearly the new interest rate coupled with the new minimum payment Discover will be driving me to bankruptcy and delinquency with no concern or humanity. I cringe knowing that these atrocities continue to happen to American people by predatory lending practices engineered by these filthy rich banks.
Product: Credit reporting or other personal consumer reports

Its showing inquiries on my credit report I have contacted XXXX XXXX XXXX. I never applied for any cards there they said they dont see anything in the system that I have anything with them. XXXX XXXX told me to speak to the credit bureaus, I did. I wrote dispute letters to credit bureaus they have failed to take them off. I told them I didnt do them. These inquiries are unauthorized. They need to be deleted! They still havent deleted them yet.
Product: Money transfer, virtual currency, or money service

I have transferred money from Chime Debit Card using sendwave app, for multiple times and some of transactions has not settled but again earlier XX/XX/year> at XXXX I transferred XXXX $ but it's been cancelled and the money not refunded yet. And it taking so long I really need the money right away.
Product: Credit card

My commitment to on-time payments is unwavering for these accounts. Requesting an urgent update to accurately depict this history.
Product: Credit reporting or other personal consumer reports

My account with ( EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX opened account with, navy federal credit union. they started running hard inquiries they did three in one a month, two on same day XX/XX/XXXX and shared my information with XXXX XXXX that ran a hard inquiry with out my permission contacted navy federal to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
Product: Money transfer, virtual currency, or money service

In the attachement all information is included. I was XX/XX/2022 through XXXX by someone we had some contact and I was asked to do some trades in the account of this person. this went well and at some point it was suggested to try it as well, I saw that this trading in XXXX worked. 

Following this I had to open up accounts with several wallets like XXXX and coinbase and transfer money to and from there on to XXXX a crypto platform. My money I used during trading. Before the trades we received a goal on pricing and time slot for max trading time. It went well untill the money was lost ( or stolen as it was ). This all happened during XXXX of last year. XXXX gone in the wind... .how can it happen that there are scams like this without any warning or notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting this company along with the credit reporting agencies for allowing these fraudulent accounts to stay on my reports, even though Ive given them ample proof that I not only DONT OWN THESE ACCOUNTS..But ALSO, Ive never even heard of these people EVER! The company XXXX XXXX  keeps saying that the information is accurate, but hasnt provided ONE ounce of proof other than telling the reporting agencies that the information is being reported accuratelyWHICH IS COMPLETELY FALSE BECAUSE I NEVER OPENED ANY ACCOUNT WITH XXXX XXXX  OR ITS AFFILIATES, and its a shame that the credit reporting agencies are allowing this, CONSIDERING I HAVE FRAUD ALERTS ON ALL THE REPORTING AGENCIES, along with NUMEROUS FRAUDULENT ACCOUNTS ALREADY BEING REMOVED FROM MY REPORTS BECAUSE OF THE SAME THING. YET ALL THREE AGENCIES KEEP ALLOWING THIS COMPANY AND OTHERS TO SAY THE INFORMATION IF ACCURATE, JUST BECAUSE THEY HAVE A FEW PIECES OF INFORMATION. This is utterly ridiculous and Im tired of dealing with these companies not doing anything but confirming fraudulent information. I WANT THESE ACCOUNTS FOR THE FOLLOWING DELETED FROM ALL MY CRRDIT REPORTS ( XXXX, Equifax, XXXX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE NEVER HAD ANY ACCOUNTS WITH THESE PEOPLE AND THEY ARE DRAGGING THEIR FEET BECAUSE THEY DONT WANT TO ADMIT THESE ACCOUNTS WERE OPENED FRAUDULENTLY..I have provided Identity Theft Affidavits, as well as proof of location and they STILL KEEP TRYING TO SAY I OWN THESE FRAUDULENT ACCOUNTS.LOOK AT THE PLACES THEY ARE FOR..I AM A GROWN MALE, WHY WOULD I SHOP AT EITHER OF THESE PLACES? AND I LOOKED UP XXXX.THERE ISNT EVEN ONE ANYWHERE NEAR ME AND IVE NEVER HEARD OF THEM.DELETE THE ACCOUNTS OR FACE LEGAL REPERCUSSIONS..
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX : {$83.00}
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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 the accounts below :
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX a natural person and consumer, have been a victim of Identity theft. XXXX XXXX, XXXX, and Experian have stolen my Identity and furnished numerous accounts on my consumer report without my written instructions. These companies have Defamed my CHARACTER also caused me and family financial damage. 

Please delete these accounts IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

15 U.S Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.