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

Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX | XX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : N/A, Inaccurate. Delete or fix the information on the account detail section. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit card or prepaid card

I recently applied for the US bank XXXX card. They were offering a sign up promotion to meet a minimum spend. I met the minimum spend and US bank promptly closed my account for no legit reason. In an attempt to remediate this issue, I called US bank several times to try and fix they issue. All the representatives are claiming to not have received the information I sent in even though I sent the documents several times. They are refusing to reinstate my account have essentially robbed me of the sign up offer I was promised.
Product: Credit reporting or other personal consumer reports

per 15 USC 6802 ( B ) 16 CFR 313.7 433.2 433.3 15 USC 1681. 5 USC 552 ( a ) and the privacy act of 1974 should stop these institutions from sharing personal information to third party entities such as early warning services, XXXX XXXX, XXXX, XXXX, Trans Union XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these companies violated my rights of all laws above in CFR 433.2-433.3 states my information will will not be disclosed to any third parties without consent and clearly my consent was not given to the companies named above to share my personal information without my consent.
Product: Student loan

I have spoken to Sallie Mae for over XXXX years now trying desperately to work something out with them. But they have continuously harassed me and my family. Even going as far as to contacting family members I do not personally know. They refuse to help me in any way shape or form. I have been stuck with a loan that amounts to {$45000.00}. Each month they charge me {$280.00}. And the loans never lower. I havent been at work for 6 months and due to my XXXX XXXX  tend to struggle holding a job. I have had to borrow money out of fear that theyll make me pay in full. Please help me. I am stuck with this loan and they refuse to help. Theyre milking me for money I do not have. And I will stay in this cycle until they apply some of the money into my principal.
Product: Credit reporting or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 16811 once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

GUARANTEED RATE , INC unlawfully obtaining my XXXX and my XXXX consumer report on XX/XX/2019 without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. 

I have not initiated any transaction with GUARANTEED RATE, INC. Further, I do note have an account as defined under 15 U.S.C. 1693a ( 2 ) with GUARANTEED RATE , INC for review or collection. 

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. 15 U.S.C. 1681q.
Product: Credit reporting or other personal consumer reports

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX - XXXX - My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. UNPROVEN! Undocumented claims can NOT be assumed valid nor compliantly reported! Show me proof of your adherence to applicable compliance standards for this particular account. This is being investigated by the FTC. DELETE! 

XXXX XXXX XXXX  XX/XX/year> This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ), 15 U.S.C. 1681, et seq. Under the FCRA,? Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.? 15 U.S.C. 1681q. This conduct has violated my privacy and I am very upset by the privacy invasion. DELETE this from my report asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

On this XXXX XXXX account I was advised because of the Pandemic when I contacted them in XX/XX/XXXX, they would remove the late payment in XXXX. Instead of removing it they left it and added fraudently late payment history for XXXX in which I never used the card this year at all because I was going through a XXXX process. The account is showing now XXXX  times past due which is incorrect and as a result of this incorrect information I was denied a XXXX loan applied for this year. This information was added after my closing because there would have been no way to close on my XXXX which this deliquent information on my report.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the file of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following item ( s ) from my report, immediately : Account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made two payments to Self Financial/XXXX XXXX on XX/XX/2020 and XX/XX/2020 to pay off my loan, but my account is still being reported to XXXX  as open and delinquent. This same account is properly reported to XXXX  and XXXX  as paid in full and closed, but for some reason they are refusing to report that information to XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX : XXXX XXXX Complaint Regarding Reinsertion of Fraudulent Accounts Due to Identity Theft Complaint Summary : I am filing this complaint due to the fraudulent reinsertion of accounts on my credit report that were the result of identity theft. Despite submitting a formal Identity Theft Report to the Federal Trade Commission ( FTC ), providing supporting documentation ( such as a police report and proof of identity ), and disputing the accounts with the credit bureaus, these accounts were improperly reinserted without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Fraudulent Accounts include XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX These accounts were fraudulently opened, reported, and reinserted on my credit report in my name without my knowledge or consent. Initially, the accounts were removed after my dispute, but they have since been reinserted into my credit report without the proper verification process required by FCRA 1681i ( a ) ( 5 ).

Violations : Failure to Block Fraudulent Accounts ( FCRA, 15 U.S.C. 1681c-2 ) : Despite providing the required Identity Theft Report, the credit reporting agencies failed to block these fraudulent accounts within four business days, as required by the FCRA.

Unlawful Reinsertion Without Proper Verification ( FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ) : The fraudulent accounts were reinserted into my credit report without proper verification or notification, which violates the FCRAs requirements for reinsertion of previously disputed accounts.

Failure to Maintain Accurate Information ( FCRA, 15 U.S.C. 1681e ( b ) ) : The credit reporting agencies are responsible for ensuring that the information on my credit report is accurate and verifiable. These accounts are neither, and their continued presence on my report is damaging my creditworthiness.

Ignored Opt-Out Request ( Gramm-Leach-Bliley Act, 15 U.S.C. 6802 & 16 C.F.R. 313.7 ) : I have also submitted a formal request to opt out of any data sharing related to these fraudulent accounts, but this request has been ignored.
Product: Mortgage

On XX/XX/2019, I received my XXXX mortgage statement. It alleged that I owed for 3 months ( {$2800.00} ), and that due to an incomplete payment, my last payment at the time of this mailing, was in a suspense account. 
This dollar amount was {$960.00}, but as my normal mortgage payment has NOT changed, and my normal payment as of XX/XX/2019 is {$960.00}, this is incorrect. 

On XX/XX/2019, I was able to get through to customer service and a representative for the company said that he saw where the error was. He said that " Corporate Advance Fees '' had been added to my mortgage payment, and that the computer read this as my payment being incomplete. He said it was a computer glitch, and that Bayview would send a corrected statement on Tuesday XX/XX/XXXX, to show that I only owed for XXXX and XXXX. I asked if he could take my XXXX payment over the phone, and he said that he could and then the XXXX statement would be resent to reflect that I only owed for XX/XX/2019 and going forward. 
I waited a week to file this complaint, as I fully expected to have the corrected statement in my hands no later than XX/XX/2019. On Friday, XX/XX/XXXX, I called Bayview again to ask about the status of my concerns and I was told by this representative ( not the same as before ) that she could see in the notes that there appeared to be an error in my payments, that she could see that I'd paid more than my required payment for XXXX, that she could see that I'd made my XXXX payment, but that she didn't know why a new statement had not been sent out. 
This is very concerning to me as VA is a non judicial foreclosure state, and when a payment is held in a suspense account it appears as though the home owner is behind on payments. I have been in my home 29 years and 7  months, and I have NEVER failed to make a full mortgage payment within the month that it is due. 

I make my payments over the phone toward the end of each month because when I was mailing in my payments, Bayview would delay processing my payments for as long as two weeks. Since I am in an active Chapter XXXX Bankruptcy, no late charges are allowed to be added to my mortgage payment if it is late, but I understand that once my bankruptcy is discharged, my payment will need to be processed no later than the XXXX of each month to avoid late fees. 
I am paid twice monthly, and by paying the mortgage toward the end of each month I'm able to fulfil my other financial obligations that must be paid prior to the XXXX of each month.
Product: Debt collection

A debt of {$12000.00} for unpaid attorney fees was discharged in bankruptcy in 2010 and the judge issued only a charging lien against any divorce assets that I might recover. My personal assets remained protected but the attorney persuaded a collection agency ( asset pursuit ) to freeze {$5000.00}. in my bank account. The bank also took {$120.00} out of my account for processing fees. 
Asset Pursuit then authorized the release of my account and {$5000.00} was returned to me however Asset Pursuit is refusing to return the processing fee of {$120.00}.

My cash flow was impacted for approximately two weeks and I am apprehensive that this may occur again in the future. My bills were paid late and late fees were assessed even though this debt that they attempted to collect was fully discharged in bankruptcy. The original amount they sought was {$31000.00} which is yet another error. I have retained all of the emails showing that Asset Pursuit acknowledges the debt as having been discharged and they proceeded to release my funds. 





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

I sent a dispute to XXXX, Equifax, XXXX, which they stated was verified. 

I sent validation letter to original creditor XXXX XXXX. They were unable verify and validate my account. If the original creditor wasn't able to verify or validate how can the bureaus. 

All correspondence have been attached.
Product: Debt collection

Global Solutions repeated calls and does not state who they are and continues to call on multiple lines even on family members lines that have nothing to do with this loan. They are very abusive when they call and no written statement from them has been provided.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX$180.00} XX/XX/year> In Collections/Charge-off. 
Discharge/delete creditor. Your company can not provide proof of ownership by original contractual agreement with a wet ink signature. RE : XXXX XXXX XXXX this item must be deleted, or we will pursue civil action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The account is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Equifax Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have this account repaired for once : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

For years now I have been tell you all everything is wrong on my credit report my name address and birthdate ss number everything is not accurate including the XXXX  debt all I owe is child support and I have said everything else is a scam and they told me nope it's all correct someone please help me
Product: Debt collection

I was involved in an accident on XXXX XXXX, 2015. I was moving from XXXX to XXXX. Police came to the scene of the accident, and the police did not give me a ticket. The officer said he did not draft a police report. I never received any calls regarding a claim against me, or issues with being an uninsured motorist. XXXX paid for damages, and I paid a {$1000.00} deductible. Nothing happened until two weeks ago, when my parents got a call about a debt owed for {$3000.00}, but no cause for the debt. I contacted National Commercial Services, and they told me the debt was for {$5000.00} due to a tort claim as an uninsured motorist. They did not provide any further details as to the debt, except that the other driver 's insurance had already paid their claim. I was told by NCS that this debt was for being an uninsured motorist. I received a letter in the mail stating they 've tried to communicate previously, but I never received any information. They have threatened to request the DMV to suspend my license. I have not been sued, so I have no idea where this debt came from.
Product: Checking or savings account

I put a stop payment on XXXX for XXXX and they said they didn't know if would go thru so i called yesterday again because the transaction showed pending and the citibank representative said don't worry it shows its stopped payment and by XXXX  it will be reversed. Well this morning i wake up and it went thru. i called to put a dispute thru i spoke with a XXXX and a XXXX. XXXX had a very heavy accent so i could not understand his question i asked him to please explain the question and he would not so i answered no and then said they could not proceed with the dispute so now i am short XXXX dollars on my account and will be short for my bills and they told me there is nothing they can do. After banking with Citibank for more than 20 years i am disgusted. Then the supervisor hung up on me and would not help me. XXXX says your on a recorded line i said i don't care it's my money and its unauthorized charge i want my money i don't care if I'm being recorded. Citibank steals peoples money!!!
Product: Credit reporting or other personal consumer reports

I filed a dispute on experian due to account listed below inaccurate information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Debt collection

I am disputing a debt against affirm because I didnt receive the product from XXXX XXXX XXXX XXXX  XXXX XXXX already resolved my claim and refunded half of the charge. I submitted a company with the XXXX and the response came back resolved and the representative stated that Affirm  should take that response inconsideration and charge back XXXX XXXX. I have submitted documentation where I have not received anything from them and I believe this company is a scam.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/20 I was perusing the internet to find dental implant offices ( XXXX XXXX XXXX  ) XXXX are very expensive and the site boasted financing options. 

I had filled out an application to see for how much I would be pre-approved. I applied with https : //www.carecredit.com/XXXX which is a company underwritten by Sychrony Bank . 

I was not shown / told how much I would be approved for, they simply said congrats and gave me a {$3100.00} line of credit. I did not want this line of credit, I simply wanted to find out if I was PRE-approved. I do not want/ need this credit card. It's absolutely worthless to me. 

I contacted Synchrony via chat was told they cant help me, I contacted Synchrony via telephone and was told I'd need to wait 3 days for the account to be active, then they could cancel, which would be a big hit on my credit score. 

Care Credit / Synchrony is unscrupulous, they lie and are predatory lenders. I feel like I was mislead while trying to get pre-approved. 

The Amount I requested was {$30000.00}., no where near the {$3100.00} they " Gave " me. There's absolutely no reason they should have just decided on their own to give me a card for the approved amount, I feel I should have been given the option to decline the amount first.. Especially if its only 10 % of the original request. That is nonsensical. It does me no good.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed multiple billing errors. These late payments don't match my usual payment record. Please correct these inaccuracies and update my account.