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

As Equifax 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. In addition during a recent meeting at the XXXX XXXX XXXX XXXX ( Small Claims Division ) on XX/XX/year>, Equifax corporate representative XXXX XXXX recklessly and maliciously left multiple copies of electronic dispute verification documents containing my full name, social security, address, date of birth, full account numbers etc. XXXX XXXX intentionally committed additional violations yet she carefully redacted all the last names of the representatives from the furnishers Equifax claims verified the disputed accounts. XXXX XXXX 's actions have put me at risk for further identity theft and as a result this violation and other violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p.

In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. XXXXXXXX XXXX XXXX1.pdf Equifax 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well . 

According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from XXXX is not included on credit reports. 

The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of XXXX XXXXFile Form 1099-C if you are any of the following.

1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). 

Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor.

By intentionally reporting income as a debt when the alleged debts are not collectible, Equifax has not only disobeyed the FCRA, but Equifax is also conspiring with the furnishers to commit tax fraud and other violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : The XXXX XXXX is a fraud and you know it. I have sent in an audit report to the IRS regarding the assurity bonds taken out on my Social Security number and you used my birth certificate every year I was in school ( XXXX XXXX ) as well as when I received my Drivers license this corporation put an ( XXXX XXXX ) assurity bond on that. My right as a free woman has been stolen from me as well as my family and children. I do not consent. Make it right! You are committing fraud and you know it. Also the XXXX mortgages that we took out on our homes needs to be repaid to us. This needs to be rectified immediately. 

By : XXXX XXXX XXXX Beneficiary Done in good faith
Product: Credit card or prepaid card

On XX/XX/XXXX XXXX XXXX XXXX fraudulently overcharged me for additional damage insurance when I declined. I already have insurance through XXXX XXXX and did not need additional insurance. I tried to get XXXX to help and nothing. I filed the dispute with Bank of America credit card on XX/XX/XXXX. The claim has been under investigation, I've submitted everything they asked for on-time. On XX/XX/XXXX, Bank of America denied my claim saying I didn't provide the documentation requested even though my last communication with information was faxed to them on XX/XX/XXXX <-Per their instructions one of the letters attached. 

For 3 days ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I've tried to call Bank of America to reopen my claim. They said I could do this, however, I can never get connected with the Existing Claims Dept and just remain on hold for hours. There is not a way to do it through their messaging center. 

The amount in dispute is for a total of {$300.00}. Breakdown is {$230.00} Insurance, plus {$26.00} Concession Fee, plus tax applied {$37.00}. 

Instead of fixing a fraudulent overcharge, Bank of American is giving the me run around, trying to wear me down so that I just give up. My records with this company shows large payments made by me monthly as I pay the card to zero each month. I am not a credit card scammer. I have excellent credit rating and history.
Product: Credit reporting or other personal consumer reports

I am formally disputing the unauthorized access and deletion of my student loan data as reported in the XXXX XXXX article titled XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). The report raises alarming concerns regarding potential violations of the Family Educational Rights and Privacy Act ( FERPA ) due to unauthorized access and tampering with student loan records.

As a borrower with active student loan obligations, I am highly concerned that my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) have been violated. Unauthorized deletion or modification of my education records is strictly prohibited under federal law. These reported actions have severely impacted my financial and educational standing, and I demand immediate corrective measures. 

I am formally requesting the following actions : 1. Immediate Investigation A full audit into whether my records were accessed, altered, or deleted without my consent.

2. Full Disclosure A comprehensive list of entities or individuals involved in accessing, modifying, or deleting my records.

3. Restoration & Rectification Immediate correction of any unauthorized deletions, accompanied by a written statement confirming all corrective actions taken.

4. Future Compliance Assurance A formal, written confirmation that my student loan records will remain fully protected under FERPA and that no further unauthorized access or modifications will occur.

I expect a written response within 30 days from the date of this letter, detailing the steps taken to address this matter. If my concerns are not properly addressed, I will escalate this issue by filing a formal complaint with the U.S. Department of Educations Family Policy Compliance Office ( FPCO ) and explore legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX and XXXX provided false and inaccurate information to Experian causing my credit score to reduce by XXXX points and my credit rating to go from Very Good to Fair on XX/XX/XXXX. I had only 2 % debt and have never been late with any of my credit cards. I disputed the information the first time without any thorough investigation done. I was not able to upload any supporting information to Experian. I was never told that they have a site where documents are uploaded. They concluded the investigation within few days and posted the result. I disputed the collection account again by XX/XX/XXXX and told them I have supporting documents to upload. Surprisingly, the investigation ended the next day with the result posted again even while they knew I was trying to upload some documents. By the time I successfully uploaded the documents, the investigation had already concluded. It was after the fact that Experian told me that their system accepts only pdf or tiff files. I day investigation for false and accurate information is not enough. And not waiting for the documents means that both XXXX and Experian had already made up their minds about the results without any investigation. The two files I wanted to upload will be uploaded here to show that I XXXX sent me a letter of termination dated XX/XX/XXXX, and agreed to it per my affidavit and letter. The second letter dated XX/XX/XXXX, will show that XXXX forged a request for termination and made it appear that I made the request. The letter is fraudulent because I never contacted XXXX between XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On dates XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX - XX/XX/XXXX my credit was ran without permission on they told me it would be a soft inquiry and to check to see if I qualify. I called each company and they said there is nothing they can do. XXXX XXXX XXXX is the only one I have permission to run my credit
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these entries were made without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), victims of identity theft have the right to have fraudulent information removed from their credit reports. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Fraudulent Inquiry : XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received letter from Resurgent Capital Services claiming they were collecting a debt for XXXX XXXX XXXX for {$7200.00}. I called Resurgent on XX/XX/XXXX and told them I had previously received a similar Debt Collection Notice back in XX/XX/XXXX from XXXX XXXX XXXX XXXX and I told them this was NOT my bill, that I had been previously charged with this and each time I had proven it was not mine ( see related correspondence ). 
At that time, Resurgent Supervisor, XXXX XXXX informed me they also had a second Debt to collect for XXXX XXXX XXXX  in the amount of {$3800.00}. I told them XXXX XXXX XXXX had previously sent these same claims from two previous Debt Collection Agencies as well from XXXX XXXX XXXX themselves ( back in XX/XX/XXXX ) - and so I would now be seeking at least {$1000.00} per repeated claim from XXXX XXXX XXXX / Resurgent for these repeated false claims and continual harrassment. It has cost me a small fortune in all the Registered Postage with Return Receipts Requested - and the only time they stopped harrassing me is when I complained to CFPB the last time - and, thankfully, you managed to resolve it for me at that time. And so, instead of trying myself three times ( with NO success ) I will go straight to you this time and request your expert help once again. All supporting data - for these latest two claims - and the previous ones are attached. I take this opportunity to thank you in anticipation of your being equally effective this time too. 
Yours Sincerely, XXXX XXXX Ph : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

-All inquiries reporting on XXXX XXXX credit profile are incorrectly reporting incompletely -All delinquents reporting on XXXX XXXX credit profile to be removed 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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 addresses and accounts:XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I receive my credit report recently and notice fraudulent charges on my credit report. I sent over my identity theft report and they still did not removed the information from my report. The two individuals that stole my identity has been apprehended. I been going back and forth to court about this matter along with other victims that had their identity stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter in XX/XX/XXXX to XXXX no response filed with CFPB ( complaint attached ) The company states in the first part of report they are not the company then I responded to the response sending back up ( attached ) where they are reporting, the company sends a response they will send back up to verify the debt they are referring to " insurance '' which I have no idea .... they responded to this in XX/XX/XXXX. 
Still have not rec 'd back up. pulled my report and they are still reporting. 
Not sure how in one report they company can state that is not there debt, then go on to say oh yes this is and its from XX/XX/XXXX an insurance that was cancelled. But no send back up but continue to report monthly ( attached ) from trusted id. 

I want this removed from my credit report immediately clearly the company does not have proper back up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX  months.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 
Addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Accounts Impacted : XXXXXX/XX/XXXX, Account number- XXXX XXXX XXXX, Account number- XXXX Late Payment : XX/XX/XXXX XXXX, Account number- XXXX Unauthorized inquiries : XX/XX/XXXX Inquired onXX/XX/XXXX/2024
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumers credit report. The credit bureaus can not reinsert this infromation unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted ( 15USC 6802 ( A ) ( B ) also permissible purposes ) violations. If the credit bureau reinserts without that certification or if the data furnisher lies in that certification, this is grounds for a law suit. IM respectfully request XXXX XXXX be deleted like they were deleted XXXX XXXX
Product: Student loan

Subject : Complaint Regarding Data Breach, FERPA/Title IV Violations, and Loan Discharge Request Dear Consumer Financial Protection Bureau , I am filing a formal complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and Department of Governmental Entities ( DOGE ). This breach violates the Family Educational Rights and Privacy Act ( FERPA ), Title IV regulations, and federal data security standards, compromising my personal privacy and financial security. 

The following records were accessed without my consent : My academic records and personally identifiable information ( PII ). 
My FAFSA data, including financial aid and loan history. 
My IRS tax transcripts. 
These unauthorized actions have raised serious concerns regarding potential identity theft, fraud, and the integrity of my loan agreements. Therefore, I demand the following corrective actions : Immediate discharge and cancellation of all federal student loans due to this breach. 
A formal investigation into the breach, including details on who accessed my data and for what purpose. 
A full report on the extent of my data exposure and measures to prevent future breaches. 
Immediate notification to major credit bureaus ( XXXX, XXXX, XXXX ) to place a fraud alert and investigate potential unauthorized activity. 
This breach has caused significant distress. If my demands are not met within 30 days, I will escalate this matter by filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action. 

Please provide a written response detailing the immediate actions being taken. 

Thank you for your attention to this matter. 

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

1. I provided the credit card company FIRST XXXX, and all 3 credit bureaus a copy of the receipt of the credit card being paid in full. The credit bureaus keeps sending me a response from the credit card company FIRST XXXX, stating, " I did not state what I 'm disputing ''. 2. Also, some credit inquiries are being reported more than 1 time. Also, I did not authorize all of the inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My husband and I opened a high yield money market account with Bread XXXX. We both moved our savings accounts over to Bread XXXX and combined our savings into a single account. We made XXXX large transfers into Bread XXXX and a few smaller transfers. We wanted to earn the best rate on our funds. 

We opened the account online on XX/XX/XXXX. The first large transfer was made on XX/XX/XXXX for {$75000.00}. The second large transfer for approx. {$73000.00} deposited on XX/XX/XXXX. On XX/XX/XXXX our account was placed on Restricted Status. We received a message through their online portal to call and ask for Account Protection. I did as instructed in an attempt to clear up the fraud flag. But this is the problem- I have done everything I was asked to and still can not get anyone to assist me. I keep getting transferred from person to person ; department to department. No one will help or can help. My life savings is held up with no access to the funds. I want to close the account, but I am not being allowed to because funds are Restricted. I feel like they have stolen our money, are holding it from us, and not offering us any avenue to get the account un-restricted or cleared up.

The limit for incoming ACH transfers was {>= $1,000,000}. Our transfers, of course, are well below this threshold. We added the funding accounts through online banking and went through the verification process via micro deposits. The accounts involved are all the same account ownership. Bread XXXX had no problem taking funds in, but are making it literally impossible to get access to funds. It is unacceptable to me to Restrict accounts, but then have a way for clients to seek assistance of what needs done. 

We have been on hold for hours. This is our life savings and now I am extremely nervous and worried. I am absolutely sick. I want to be allowed to close my account and move our funds out to a different bank. Please help me get our funds.
Product: Credit reporting or other personal consumer reports

I I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate. 
Capital one and the discover credit card.
Product: Mortgage

My loan is less than 80 % XXXX based on the appraised value my present loan to value based on the last appraisal is 69.3 %. Which is loan amount XXXX appraisal value XXXX. The appraisal value was done less than six months ago but the request to take off the pmi was denied. Even though I meet the specifications and am not suppose to have it.