23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

A fraud alert was put on my account without my knowledge. I was in fact a victim at XXXX time of XXXX however ; I have requested in writing to all major credit bureaus, Equifax, XXXX, and XXXX XXXX that the fraud alert was preventing me from get instant credit, credit line increases and etc. I requested for the XXXX time XX/XX/XXXX that the fraud alert be removed immediately. I never received any response. I tried to get a credit line increase with XXXX XXXX Department store and was told that I needed to contact Equifax because they had an alert on my credit file until XX/XX/XXXX. After complaining some years ago, it was taken off however but put back on in XX/XX/XXXX. I am asking that this fraud alert be taken off of my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$2300.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Balance : {$5100.00}
Product: Debt or credit management

I contracted on or around XXXX 2023 with Briteside Solutions LLC to improve my credit. After my membership was confirmed they advised me to stop paying on all the credit accounts that I entered with their program. They advised me to let these accounts go late & get charged off. When these accounts were filed for collections, they claim this is when they would go to work on your behalf. It was my understanding that they would dispute these creditors or negotiate for credit reporting deletion. It seems as though they collected their payments but were not doing much or anything at all to improve my credit through their dispute resolution services. My credit is much worse now with companies threatening me, calling my family, and every day there's addtional collections accounts being opened against me. There's also lawsuits looming as we speak due to their complete mismanagement of my situation. They are forcing me into bankruptcy with their deceptive practices. I went from having no lates or collections on my credit report to 9 collection accounts and 25 charged off accounts on my credit report. My credit is ruined and at my age there's not enought time left to get this corrected especially if these accounts remain on my credit report for the next 10 years.
Product: Debt collection

Adverse Action and defamation of character LVNV Funding I, the consumer and natural person, was a victim of identity theft, by XXXX XXXX XXXXXXXX XXXX XXXX XXXX discharge the debt 1099C and then sold the debt to LVNV Funding. 

Adverse Action against consumer is against the law according to the equal credit opportunity Act which is codified in 15 U.S.C. 1691c and pursuant to civil Liability under U.S.C. 15 1692k you are subject to criminally liability for violating 15 U.S.C. 1691c as I have been discriminated and defamation of character by XXXX XXXX and LVNV Funding in response I received from XXXX XXXX and LVNV funding of discharge of debt 1099C XXXX XXXX  and LVNV Funding is in violation of the 15 U.S.C. 1642 U.S.C.1681m and CFR 1002 the parties XXXX XXXX and LVNV funding iusse application without buy knowledge and both parties also discharged debts and but that credit was not issued to me Futuremore because my social security number ( credit card was used and I received no benefits but defamation of character and inaccurate reported and harassed and garnished my pay check. This is proof of fraudulent activity ( anathourtized use of credit card on behalf of LVNV funding and 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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 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 ) ( 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: Checking or savings account

To The Fraud Department, My name is XXXX XXXX and around XX/XX/2021 I was diagnosed with XXXX XXXXXXXX. I found out that my husband used my Huntington bank debit card and credit cards to buy his XXXX lavish gifts. While I was in the hospital my husband has access to my phone, my email which is on my phone, and my wallet with my debit card and credit cards which was all left in the house when I was rushed to the hospital fighting XXXX. My husband of 20 years guessed my debit card pin to access my debit card to buy his XXXX  gifts. I have filed for divorce and I have filed a Fraud complaint on my husband of 20 years. The fraud complaint is attached in this email and I have reached out to Huntington bank to reverse the charges of {$17000.00} that was placed in the act of fraud by my husband of 20 years on his mistress. Under the fair credit billing act and fair credit reporting act I am not responsible for the charges. I just want my life and fund back this monster of a husband took from me. I am keeping a record of all emails, fax and phone calls about this case. 

I have also filled out an FTC complaint and attached it in this complaint I look forward to hearing from someone very soon
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : 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

TransUnion reporting collections debt over 7 years old
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  allowed illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX. XXXX XXXX XXXX  has not accepted responsibility for the illegal unauthorized fraudulent transactions and charges. XXXX Equifax XXXX is reporting negative information from XXXX XXXX XXXX  despite DC police report XXXX and XXXX XXXX XXXX  not cooperating with the reason or information on how they allowed the illegal unauthorized fraudulent transactions and charges to all of my accounts in XXXX
Product: Student loan

By XX/XX/XXXX, I had XXXX student loans that amounted to {$30000.00}. XXXX serviced the loan. I was a single mother and was n't gainfully employed but made {$50.00} payments in the loans. The interest rates in Pell grant 3 %, Perkins 5 %, stafford 5-8 %, supplemental student loan 12 %, and the interest rates continued to accumulate regardless of hardship or in school deferments. My loans accumulated interest for a total of $ XXXX in XX/XX/XXXX. I had been working with several agencies to try and get loan forgiveness or interest reduction. I consolidated the loan and made payments but the interest continued. I got a XXXX degree in XX/XX/XXXX and an XXXX in XX/XX/XXXX, which I paid for out of pocket and w employer reimbursement. 
I made payments at a reduced rate bc payments were {$900.00}. 
In XX/XX/XXXX, the management of the loans went from direct student loans to mygreatlakes.org. The manner this was managed was n't transparent and the agency is out to make money. In fact in the past year I received an email saying in the transition of the loan there was an error and they needed to add {$240.00} to my balance. how is that possible? Then, they added {$5.00} in my monthly payment and changed my due date without informing me and created NSF charges in my checking account. When I contacted them they seemed not to think it was a problem. When I make additional payments or try to pay to principal only they say they ca n't do that. They are n't applying payments consistently sometimes literally they apply most of the payment to interest only. This is wrong! It is like a loan shark situation. 
I completed the public service forgiveness app which has to be filed through your loan service agency and I met all the requirements having worked in non profit for nearly 6 years. But it took place before XX/XX/XXXX, and therefore I was disqualified. I should be contributing to my retirement instead of this. 
Help! 
I have confronted their questionable accounting etc but the government handed these loans over to this agency w a poor customer service reputation and they are living up to that reputation from my experience.
Product: Credit reporting or other personal consumer reports

Experian is reporting a XXXX account as open and this account has been closed since 2019, even reporting XXXX every month in an inactive account. I demand that this be deleted from my credit, inclusive they report an address with i never live on, This violate my rights under FCRA see attachment.
Product: Credit reporting or other personal consumer reports

Experian, XXXX and XXXX are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.
Product: Checking or savings account

The online VIEW CHECK does not work. It has been broken for over a year on the citibank.com site. I have reported this problem on several occasions and Citibank has done nothing to fix it. Cancelled paper checks are no longer provided to customers. The only way to see a cancelled check is online and printing it from online banking.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my Experian report back on XX/XX/2023 and noticed some things were incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts 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 XXXXXXXX are not complete and accurate. 
I sent a letter asking them to reinvestigate and also did a complaint with you the CFPB, certified mail receipt XXXX, to which I received a response that everything was complete and accurate but if you check my attachments everything is not complete and accurate. ( see attached ) I am now requesting a detailed description of the procedure used in the reinvestigation process? What Metro2 compliance procedure was used in the reinvestigation of these accounts? Was the furnisher Metro2 compliant? Which aspect of Metro2 were they compliant with in the description of their response? What aspect of Metro2 in the description made what they reported about the account accurate and verifiable? Please provide the information by your agency relating to the disputed accounts on my consumer report pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681i ( 6 ) ( b ) ( iii ) and 15 USC 1681i ( 7 ).

Can you please see to it that EXPERIAN follows ALL Federal laws in accordance with the FCRA.
Product: Debt collection

I am a victim of identity theft. The accounts listed on my file are fictitious and fraudulent. I did not authorize or give consent to opening these accounts. There are a result of identity theft. My personal information email, Social Security number, home address has all been compromised. Please release me of these fictitious accounts. I demand an investigation into these accounts immediately and the removal of any reporting thank you. XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my report and found several items on there to be inaccurate. 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 assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general is after anu reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or 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 results 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.

I sent a letter on XX/XX/year> asking them to re-investigate these accounts listed below. 

Inquiries - ( XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries - ( XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX  ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Inquiries ( XXXX XXXX XXXX ) XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. Can you please look into this matter.
Product: Student loan

This is a follow-up complaint, with the exact same issue of the Student Loan Servicer not having the most accurate/up to date information regarding my enrollment and In-School Deferment classification. The prior complaint was corrected after I attempted for several months to coordinate with Nelnet, but they would not assist until I submitted the complaint # XXXX. I'm submitting again so that hopefully there will be a deeper investigation, and Route Cause/Corrective Action , with the hope that it spurs actual change so that no other student has to deal with the stressors of debt collection efforts that are protected and qualified under the Federal Student Loan deferment for In-School students XXXX
Product: Credit card or prepaid card

Im requesting my 3times sent {$500.00} to Discover credit card company. I didnt have a XXXX XXXXXXXX XXXX I requested the 3 checks back totaling {$15000.00}. Discover sent me a {$500.00} check But also put it on my credit card as a withdraw, that I'll owe it back. The amount is {$1500.00} that is owed back to me. I applied for a credit card. It came as {$10000.00}. I sent for a checking account, and thought I sent it to the checking account not the credit card. Discover bank credit card services kept my XXXX checks each for {$500.00}. Discover credit card added the money to my credit card making it then, {$11000.00}. The credit card wasnot a prepaid card. They claim they used my money to pay for my bills instead of using it as a credit card? I didnt know how to approach the company, but figured I'd better try something to see where my money went. I thought they sent it back 1 check for XXXX +. But that was a promotion to received dollar for dollar in purchases as cash back. Attached is the check they want me to cash yhis {$500.00} check and pay back, after I asked for my money back or where did my money go. I've explained some in the initial complaint.
Product: Credit reporting or other personal consumer reports

Dear CitiBank, I am writing to bring to your attention that my CitiBank credit card account ( Account Number : XXXX ) is not currently reporting to either XXXX or XXXX credit bureaus. This is a valid account, and it should be reflected on my credit reports with both agencies. 

I kindly request that you take the necessary steps to ensure this account is accurately reported and reinserted into my XXXX and XXXX credit files. 

Please confirm once this issue has been resolved. If you require any additional information from me, feel free to contact me. This was previously disputed several weeks ago and still no resolve. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Equifax is not updating the correct balances on revolving accounts which causes inaccurate credit utilization. Lenders have confirmed the date information was sent to all 3 bureau. However, Equifax has not updated this information since XXXX of 2024
Product: Credit reporting or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on the following dates listed below without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with these companies listed below. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with these companies for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), 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. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the eOscar system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. I reserve my right to sue you civilly in the court system, which will result in my seeking the maximum allowable penalty for each item. Falsely reported inquiries : ( Equifax Report Inquiries ) XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX I am aware that the FCRA provides you ( 30 ) days to investigate these items, and ( 15 ) days more to provide me with your findings. I do expect that you will also provide me with an updated copy of my credit report. Upon completion of your investigation, which will show any changes or the lack thereof they must be removed immediately this is my second time contacting your company about this matter, this will be the last time before legal action is took.
Product: Money transfer, virtual currency, or money service

We transferred money from XXXX using XXXX to an account with Northwest bank that was fraudulent. The fraudsters impersonated one of our largest suppliers XXXX XXXX and used an email to advise us the company had changed banks and account details. 
We sent three transfers to this false Northwest account number XXXX, with recipient name XXXX XXXX listed on each transfer. We know that the bank receipted the funds even though the recipients name was totally different. This knowledge came about after I contacted XXXX XXXX and made them aware of what had occurred after we identified the fraud ourselves. XXXX XXXX president, XXXX XXXX made contact with the Northwest bank to establish if an account had been made in their name fraudulently. The bank advised him that one had not and that the account number we had used had a totally different owner name. 
Here are the transfer amounts and dates the transfers were made : 1. XXXX XX/XX/XXXX for {$40000.00} USD 2. XXXX XX/XX/XXXX for {$45000.00} USD 3. XXXX XX/XX/XXXX for {$50000.00} USD I made a phone call to Northwest bank early in XXXX and spoke to a manager and filed a complaint and outlined the above and the bank has failed to respond. On XX/XX/XXXX we sent an email to XXXX which is the Northwest banks contact and no acknowledgment has been received of them either receiving or investigating the matter. 
We have of course made contact with XXXX both to their branch here in XXXX and in the USA and they have made contact with the bank and a small amount of the transfer has been returned to us of {$16000.00} USD. 
I am aware that the USA government has regulations that cover financial institutions so that money laundering and financial crime are not easy to achieve. Given this, I would consider that receiving moneys into an account with a totally different recipient name to the account number as the Northwest bank has done surely goes against what should be one of the most simple and obvious methods of stopping fraud and other financial crime
Product: Credit reporting or other personal consumer reports

For over a year I have tried logging into my Equifax account to see my credit report. I keep getting an error message saying to call them. I call them, they run me through the troubleshooting process, then nothing changes. They are attempting to blame me for their problem. As of now, I can not access my report, can not life a freeze, and can not see anything. I need access to my account in the same way I have access to the other credit bureau reports ( with no problem ). It looks as though Equifax is using an antiquated system and are too cheap/lazy to fix it, hence the errors.