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

This is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation. 


XXXX : Fair Collections and Out, Chapter XXXX bankruptcy Equifax : XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax is DOUBLE reporting these time-barred accounts. On XX/XX/XXXX, confirmation # XXXX, they reported the XXXX XXXX CLOSED account under the merchant, XXXX XXXX acct # XXXX. The correct information was reported : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. The XXXX XXXX acct was reported under the merchant, XXXX XXXX  acct # XXXX with incorrect " Date Opened '' information : Date Opened : XX/XX/XXXX - Date of Last Activity and Date of Last Payment XX/XX/XXXX. Under XXXX XXXX they are reporting the Date of Last Activity as XX/XX/XXXX, with a Date Reported as XX/XX/XXXX. I opened the XXXX XXXX account in XX/XX/XXXX and paid it off in XX/XX/XXXX - it was a 90-day same as cash promotion ; I only used the account one time. It appears that when the 7-year statute of limitation for credit reporting expired under the merchants ' name, Equifax started using the bank name to report the time-barred information for another 7 years. I rarely check my credit because I know I haven't opened any credit accounts within the past 7 years and thought it was the student loan that affected my credit score. It seems as if Equifax is re-aging these 2 OLD accounts - both have been on my credit report for 16 YEARS!! They should not be allowed to do this. I am very concerned by this action as it appears that Equifax is deliberately trying to wreck my credit and is the reason why my auto loans have such HIGH-interest rates.
Product: Credit card or prepaid card

I have 2 credit cards with Continental Financial Co. I've have tried repeatedly to enter bank info to pay one of the cards, and repeatedly been denied. This company tells me I must give them my banking info over the phone. This company already has my info for another one of their cards. Refuse to use it, again telling me I must give out my info over phone. I am now being charged late fees because their system doesn't work.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failure to provide a valid Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ). 

I previously disputed multiple accounts on my credit report, requesting validation. Despite my formal dispute, Experian verified the accounts without providing proper documentation or the source of their verification. 

Disputed Accounts : XXXX. XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX. XXXX XXXX XXXX XXXX {$640.00} ( Original Creditor : XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XXXX ) {$920.00} XXXX. XXXX XXXX {$200.00} XXXX. XXXX XXXX XXXX {$29.00} Per FCRA 1681i ( a ) ( XXXX ), I formally requested that Experian disclose the specific Method of Verification ( MOV ) used to verify these accounts. Under federal law, Experian must provide the name, address, and contact information of the furnisher of information and describe the procedure used to verify the accuracy of the accounts. 

However, Experian has failed to comply with my request and has refused to provide a legally sufficient MOV. This is a direct violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are 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 immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately 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 am writing because I found some information that is inaccurate on my credit report. You are reporting a 90 days past due on XX/XX/2021 on the XXXX XXXX XXXX, XXXX account ( s ). This is not true, I was not 90 days late on XX/XX/2021. Just 30 days prior, on XX/XX/2021, the account ( s ) were reporting as OK.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Transunion for their refusal to remove fraudulent accounts from my credit report, despite multiple attempts to resolve this matter. 
I am a victim of identity theft and human trafficking, which has resulted in several unauthorized accounts being opened in my name. Specifically, there are three fraudulent accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that are still listed on my credit report. 
Transunion is in clear violation of Section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act Despite providing Transunion with all necessary documentation and repeatedly requesting the removal of these accounts, they have failed to take any action. This inaction is severely impacting my financial stability and causing undue stress. I would like your help in making sure that Transunion meets its legal obligations and removes these fraudulent accounts from my credit report as soon as possible. 
Thank you for taking a look at this urgent matter. 

Enclosed are : A copy of my Police report, Identity Theft Report, proof of my identity and address. 

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

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XXXX XX/XX/XXXX {$520.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # XXXX Asset Amount : {$0.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I an filling this request in reference to account # XXXX placed by XXXX XXXX XXXX , also known as IRS FCU. This was a checking account, and not a revolving account. The account is reporting failure to pay on a one ( 1 ) month term, there was no term, or any agreement to make monthly payment. This false, misleading, and misrepresentation of payment history to report late or failure to pay on a monthly term. Under the FDCPA, and FCRA all information furnished by creditor should be completely accurate. This incorrect reporting has hurt my credit worthiness sinceXX/XX/2016. The account has been paid in full and should be deleted from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines, and is effecting my credit files. I have not authorized any of these companies my personal information, so these unauthorized and unknown accounts shall be removed immediately from my report 1. XXXX {$31.00} 2. XXXX {$2100.00} 3. XXXX {$2000.00} 4. XXXX XXXX XXXX {$470.00} 5. XXXX XXXX XXXX {$83.00}
Product: Credit reporting

I have recently submitted a complaint with Equifax regarding the following fraudulent accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX # XXXX results came back as verified. I have never created an account with this company and have sent Equifax all documents needed to establish the fact that someone stole my identity. The reaming XXXX accounts XXXX XXXX XXXX XXXX # XXXX and XXXX # XXXX have been frozen in dispute since XXXX/XXXX/2016 which is now beyond the 30 days to investigate this matter. The fraudulent accounts are effecting my credit, life and liberty. Please resolve this matter and remove the fraudulent accounts from my credit file so that I may start to rebuild my life.. 

Sincerely, A Frustrated Victim of Identity Theft
Product: Student loan

I am filing this complaint against NAVIENT student loan servicing company. It appears to me that they are in violation of their obligation to provide their borrowers with information pertinent to the administration of their accounts. On XXXX XXXX 2017, I called NAVIENT and spoke with 6 different people ; had my call dropped twice and re-routed to a survey gauging my customer satisfaction ; and was yelled at by a customer representative before I finally ended a 90 minute international call, all while being stonewalled and aggressed -- ultimately accepting defeat. <P/>My query was simple : do I qualify for an interest rate reduction, and if not, why not. <P/>After 7+ years of making regular payments and having a credit score in the upper 10th percentile, I was told I did not qualify but that they could provide me with was no reason for this disqualification. Customer Representative ( CR ) XXXX speculated it was because of my loan type, but could not specify what loan types I possessed, CR XXXX opined it was because of my personal eligibility, but could not specify what personal criteria applied. All assertions made by NAVIENT staff were pure conjecture. <P/>I persisted, asking to speak with someone who would be able to provide such information. With every phone transfer up the food chain, I asked repeatedly if there were eligibility criteria that I could access, to which I was told that this information is not available to me. This stonewalling alone would have been altogether deflating in and of itself. However, things digressed rapidly when I was then put in touch with CR XXXX, XXXX, who said that she knew what the eligibility criteria was but then said that she could not and did not want to share them with me- she vacillated between could and would. <P/>I was perplexed by the withholding of such information. NAVIENT is a multi-billion dollar business that thrives off of charging usurious interest rates on students for the duration of their lifetimesbut to add insult to injury, they treat you like they did you a favor. After XXXX withheld the information, she then raised her voice a number of times, and ultimately hung up without so much as a goodbye. <P/>NAVIENT represents student loan predation at its worst : it has no accountability to the clients it allegedly serves, and, furthermore, is hostile towards them while taking their money. It is not surprising then that NAVIENT has been named the most complained against loan provider in America across myriad credible publications in 2017 and is being sued by the Consumer Financial Protection Bureau ( CFPB ). Predatory companies like NAVIENT need to be stopped. I sincerely hope that I receive a response to the specifics of my complaint. I value the work that the CFPB conducts in protecting consumers and their confidence in our economic system.
Product: Checking or savings account

I open an account with Chase Bank on XX/XX/ and deposited {$150.00} in my new checking account. Just 2 days later my account was closed with out reason, so I called and spoke with a lady in the Lost Prevention Department which she told me this : ( We closed your account and you can not ever open an account with chase bank ever again, ) So I asked her why? I never owed chase and if I did any amount was paid in full. I do not owe any other banks I never had any issues and I have a XXXX credit score. 

The Lost prevention lady was very rude and unprofessional she said I will not be getting anything back or not even a letter explaining why I will NEVER be allowed to open an account Chase Bank. I then asked to speak with a supervisor. 

So I spoke with a male named XXXX in Chase located in Ohio location and was informed if I did try to open an account again it will be closed immediately. I said can you provide the reasoning or logic behind this? He stated no you just do not have and account anymore with us and my {$150.00} was never sent to me and I am now interested in doing a Class Action Lawsuit against Chase Bank. I have been Discriminated against and Chase has committed fraud against me. I will also sue for punitive damages. I never has a large entity treat people so darn low. I will go public with this until I get a real answer of why I can not EVER open an account with Chase bank and get my {$150.00} back!!! I am very upset about this.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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

XXXX XXXX sent me information via CFPB portal addressing my request for Date of First Delinquency regarding accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX- as the Date of First Delinquency ( See Screenshot ) But are reporting a Date of Last Payment as XX/XX/XXXX. 
My question is how can XXXX XXXX  report Date of Last Payment as XX/XX/XXXX yet State the Date of First Delinquency as XX/XX/XXXX. Obviously, the Date of First Delinquency should be the month after which makes it XX/XX/XXXX not XX/XX/XXXX, which is 7 years. Remove this account for inaccuracy. Both dates can not be accurate. 
XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX. 
Delete account it is surpassed 7 year period I also request PROOF such as Bank RecordXXXX from XXXX XXXX XXXXhat substantiate that the Date of Last Payment was in the year XXXX and they are not making any sense as they are proving further that this account was RE-AGED!!!! Again this account is NOT MINE and is more than 7 years old. 
XXXXXXXX XXXX speaks of waiting for information from me. 
I received a request after already attesting that I have XXXX income and can not work due to XXXXXXXX XXXX from a XXXX XXXX for 7 days in XXXX XXXX XXXX XXXX. 
I already submitted this information via CFPB Portal in writing.

That should be enough!!

In case this account I am disputing is VERIFIED, I in advance request from your credit reporting agency ALL records that will reveal the procedures used to verify account. 
I am also requesting the name ( s ) of the person ( s ) you spoke with along with the Business Name, Telephone Number and Address.Ths request is in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, at XXXX XXXX. at EST, I requested a money transfer in the amount of {$450.00} from my Chase checking account to the escrow account as a down payment for a purchase of a house. I was doing the wire transfer per the instructions of the real estate broker who had emailed me and my wife regarding how much and where to wire the money. I copied this receipt and sent it to my loan agent with a text wherein I notified my loan agent that I had just wired the funds. I also texted my real estate broker and notified that I had just wired the funds. They both responded by saying thank you, and the real estate broker said to make sure to let my loan agent know. Both my loan agent and real estate agent knew and confirmed receipt of message. On XX/XX/XXXX my real estate broker called me and said that I was scammed after he had received a call from the escrow officer inquiring about the funds. I and my wife found out that the real estate broker 's email was hacked after we started investigating as to how this happened to us. I immediately contacted Chase Bank, and reported the crime to the XXXX Police Department and filed a report, I contacted the FBI and reported the crime on line, I called the secret service, and I contacted XXXX XXXX XXXX. XXXX XXXX XXXX, through XXXX, stated that they had recovered {$100000.00} but to sign a hold harmless letter for XXXX XXXX to release the funds. I did not sign.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. XXXX XXXX Account Number : XXXX I was never late and want proof of being late not just a response of verified. I want actual proof of late payment sent to me
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF THE FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY EQUIFAX CREDIT REPORT. 
FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are wrongly stating the length of time we have been paying on time our mortgage company. I explained to them on a dispute about the error on their reporting and yet they still showing the same error. We have had our mortgage since XX/XX/XXXX and they are only showing it since XX/XX/XXXX, therefore creating an " insufficient amount or too short of credit history '' reason to lower our credit rating. Consumers are affected with these misreportings. The worst part of all these is that they will not acknowledge it or try to amend it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2020 Balance : {$3400.00}
Product: Debt collection

XX/XX/2017~Constar Financial , XXXX AZ called me on a local [ XXXX ] XXXX - first on my office number, which is XXXX and was very rude when I requested to remove the number from their call list. I gave the person [ XXXX XXXX ] my cell number and he called me, again from XXXX number, when he was in Arizona. I requested his company name, location,, and true telephone contact number, which is XXXX. He indicated that his client, XXXX, was trying to collect on loans from XXXX ( XXXX and XXXX specifically ), but would not provide me actual loan numbers, instead gave me a sequence of XXXX which is part of my Social Security number. The loans in reference are old and should no longer be on my account and I called XXXX, who said they had no idea who Constar Financial was. The loans amount to XXXX, but again, these are old loans that fall under the statute of limitations which I am no longer responsible for - regardless, this person was very rude and threatening and when I said that the loans were private and uncollectable, he stated very rudely that " these loans never go away '' which is an absolute lie.