23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax refuses to provide me proof of how they completed an investigation that I submitted with regards to fraud. I have sent Equifax a certified letter requesting the specifics of how they investigated an account showing on my credit report with XXXX XXXX XXXX XXXX. This investigation was improperly done and it was not properly investigated an a fraudulent account. Since this investigation was improperly done I demanded by certified mail with return receipt requested proof of how they completed this identity theft investigation. Equifax is required by the FCRA to do a reasonable investigation with regards to fraud reports. Equifax has violated the FCRA and not done a reasonable fraud investigation. This account was reported as fraud yet Equifax only verified the name and address on the account, and that is not a proper investigation. I was told by a representative at Equifax that they only submitted the information through XXXX. I gave them the name and number of someone at XXXX XXXX XXXX to contact with regards to this account and they refused to contact this person. Equifax has refused to comply with my certified demand requesting that they provide proof of their proper investigation.
Product: Credit reporting or other personal consumer reports

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. code 1681e ( b ) Accuracy of the 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 to whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. Please remove the following items from my credit report, immediately : Personal Information & old addresses. 
My accurate and current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. Please remove other inaccurate addresses or old address in my consumer report such as XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification and Deletion of Inaccurate Account Information Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report. I have previously disputed the account : XXXX XXXX XXXX Account XXXX twice, and on both occasions, the account has been verified as accurate. I am requesting a detailed method of verification for the information provided. 

Specifically, I would like to know the following : The name ( s ) of the person ( s ) or entity/entities the credit burea

u spoke with during the verification process. The phone number ( s ), email ad
dress ( es ), and physical address ( es ) of the person ( s ) or entity/entities contacted.

Moreover, I have identified discrepancies in how this account is reported across different credit bureaus. For instance, the account is listed as open with XXXX and closed with Transunion. This inconsistency indicates that there may be inaccuracies in the information being reported. 

Due to these discrepancies and the lack of consistent and verifiable information, I am requesting that this account be removed from my credit report. The inaccuracies are not only confusing but also potentially damaging to my creditworthiness. 

Please conduct a thorough investigation and provide me with a method of verification as outlined above. I expect a prompt response and resolution to this matter, as it is my right under the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a fraud of XXXX dollars for XXXX on XX/XX/XXXX but my bank says they can't do anything, I want them to cancel that transaction or give me back some of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Filed a dispute in regards to the inaccurate information on my credit report, it has been well over 30 days and I haven't received any investigation result. 

Date XX/XX/2021 amount XXXX NCB MANAGEMENT SERVICE
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. My social security number is XXXX and my date of birth is XX/XX/ my address is XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX my complaint is that equifax refused to removed judgment from XXXX XXXX  it shows on my credit file also I filed complaint with federal trade commissions please have equifax removed this negative item
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX 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, has violated my rights. 

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

Continental Credit Control is reporting a debt for an account that was paid. The initial medical provider changed names four times ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX creating confusion & turned the account over to a collection agency. In spite of the account being paid my call to the collection agency, upon receipt of their bill, met with demand for payment + interest in order to delete their credit reporting from my credit bureaus. And I was told if I did not pay the frivolous debt within a couple of hours it would remain on my credit as it would be construed as " Credit Bartering '' if removed at a later date. I did reluctantly pay, to restore my credibility in the credit community, after being assured by XXXX XXXX & her Supervisor " XXXX, '' whom refused his last name, that their reporting would be deleted. I was also told by " XXXX '' that he was deleting the reporting as a courtesy, because of the confusion in billing ( s ) & any refund of over-payment could be obtained from XXXX. This collection account is still on my credit bureaus. This isn't " Credit Bartering '' as claimed would be considered if not paid within hours by Ms. XXXX, nor were their actions courteous as claimed by " XXXX. '' Their actions were tantamount to extortion.
Product: Credit card

On XX/XX/year> I received a summons in the mail for a lawsuit filed by Velocity Investments in the amount of {$1900.00} against me. They state that i entered into a financial agreement with " XXXXXXXX XXXX XXXX '' which is inaccurate. I have no knowledge of this account in my name ; I have never given authorization for someone to enter in a financial agreement on my behalf and affirm this account has been opened and utilized fraudulently without consent or authorization. I have filed a response with the courts to dispute the validity of this information and notify them that I have become a victim of identity theft and currently working with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

NCAC has knowingly furnished false credit information to the credit reporting agencies as a means of coercing payment on this extension of credit by the use of unlawful extortionate means. I have reasonable cause to believe that NCAC had prior knowledge that punishing a consumer for the nonpayment of an extension of credit by engaging in extortionate means was a violation of the XXXX act. NCAC has not attempted to lawfully validate this alleged dent prior to furnishing this false tradeline to nonaffiliated third parties as an attempt to jeopardize my consumer credit reputation. I did not and do not consent to the furnishing of this false tradeline to any credit reporting agencies. The furnishing of this false tradeline violates the FCRA. I am demanding NCAC provide me with a bill of assignment, your license to collect in my state, and your errors and omissions insurance information. NCAC is also to provide me documentary evidence such as the books of accounts or any evidence as described under 15 USC 144 that this is in fact a legitimate debt owed to them. A statement does not prove anything. If your enterprise sends me a statement, I will take that as your complete disregard for the law and my financial reputation and move to file suit for the intentional infliction of emotional distress I received on behalf of these extortionate tactics. If NCAC can prove this extension of credit is in fact a " debt '' as they claim, I would like to know what legislative branch granted your enterprise the right to collect debt in the United States. If your enterprise does not have prior approval from any legislative branch of the government in the United States, your company is knowingly in violation of the Fals Claims Act and shall be turned in to the attorney general. If this account turns out to be an extension of credit, NCAC is knowingly engaging in racketeering activity to fund its criminal enterprise. Ignorance of the law is no excuse to violate it. As your enterprise should know that punishing a consumer for the nonpayment of an extension of credit by furnishing false information to third parties in order to jeopardize the financial reputation of a consumer with other financial institutions constitutes aggravated identity theft 18 USC 1028A and violation of the RICO act 18 USC 894. Although your enterprise has " lawfully purchased this debt '', you are not exempt from any legal consequences that your actions have caused. In accordance with the FDCPA, you should also be aware that your company is equally, if not more, at fault for engaging in these unlawful extortionate means as there is no innocent purchaser for value. This is a demand to cease and desist all illegal activity and remove this fraudulently furnished tradeline from my consumer report immediately or I will follow you with a complaint with the FTC and my state 's attorney general and move to file suit in federal court.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reappearance of XXXX collections on my credit report. On XX/XX/year> these collections were deleted from the credit bureaus ; however, a week later, they were reinserted without proper notification. 

Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( B ), I should have been notified in writing within XXXX business days if a previously deleted item was reinserted. As I did not receive such notice, I am requesting an immediate investigation and removal of these collections from my credit report. 


XXXX XXXX XXXXXXXX Reported : XXXX XXXX, 2024 + {$7100.00} XXXX XXXX XXXX  Reported : XXXX XXXX, 2024 + {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2022 I made a {$500.00} payment to a credit account ( XXXX XXXX ) to bring my debt ratio down below the 30 % mark. On XX/XX/2022, both XXXX and Equifax registered the payment and DROPPED my score by XXXX POINTS! I have filed a complaint with XXXX ( who collect my scores ) and they directed me to file a dispute with the credit companies. I did as advised, both companies have acknowledged that it was correct to report that I made the {$500.00} payment, but they refuse to adjust my credit score. 

I do not think the credit reporting system in this country is designed to penalize people for reducing credit. The credit reporting companies give the public clear guidelines about how to manage a " good '' credit score. I have followed those guidelines and had gotten my score up into the " very good '' range. A XXXX point drop buts me on the border between " fair '' and " good ''. This is a travesty that I believe keeps Americans from lifting themselves up in society. Please address this. Thank you.
Product: Debt collection

My last bill was charged wrongly and they added {$35.00} on my account. When I called the customer care there was a lady which was really understanding the situation and asked me to stay and confirmed me that she will connect me to her manager.

Now the problem arises, her manager was very rude and not even ready to listen anything what my problem is. 
I am sure XXXX XXXX would have call records from that day. 

She was not listening my reason asked me pay full bill. She was trying to threat me that I'll not pay the amount something bad will happen to me. 

This is what happened I moved my lines from XXXX to XXXX on first week of XXXX and final bill only on 2nd week of XXXX. I called customer care that they charged me {$35.00} with no reason. but they manager lady was not even ready to listen and saying all the time that I have to pay this amount. 

I explained that this is wrong charges on my account but she was adamant. 
Only after 3-4 days of this call I got a letter from debt collection agency that. I am sure this is not what my last bill was saying. 

XXXX really owe an apologies for this. Since receiving this debt collection agency letter I am trying to call XXXX XXXX customer care. After a wait time of 2 hours their representative just listening my name and disconnecting my line. This happened 3 times and I can prove this and XXXX should have data of these calls to their customer care. 

It never happened when was I using their services. As I left their services they are charging unnecessary and want to take my hard earned money. 

I remember I gave my card number on my 1st call to XXXX customer care person to resolve this matter but that lady was rude and scared me that debt collection agency will only receive this amount. 

I really need some help from this XXXX XXXX  service organization. They are here to provide services to us and XXXX should take some action against that lady manager.
Product: Student loan

I am a cosigner on a private student loan with Navient. I have reached out to them on multiple occasions about how My payments are being allocated because I have been the primary payer on the loan since XXXX. The initial loan value was approximately XXXX and 6 years later I still owe a little over XXXX. The payment was initially XXXX per month so if you do the math that is over XXXX. I feel like the private student loan companies are stealing from borrowers. The interest rate is variable and when I called to ask how that is calculated they could not tell me. My interest rate is currently over 11 %. Since XXXX of XXXX when my loan was bought from sallie mae by Navient, my balance has actually gone up by {$200.00} although Ive been making monthly payments. My brother, who is the initial borrower, is back in school full time but his loan doesnt qualify for any type of deferment due to the type of loan it is per Navient. Feels like there should be some sort of law against the gross negligence and mismanagement of funds that is obviously taking place at Navient. When I called in on XX/XX/XXXX and asked how we could get my balance down, the man replied I could pay more each month. No other assistance was offered.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection on a credit report should Never have a past due amount and shouldn't. show as a open account have balance and a high balance and should have a full account number and not asterisk at the end. As you can see on pages 5,6,7,8 of my TransUnion Credit Report Account XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX NCA # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX all of these accounts have those errors, according to FCRA Section 623- Deems it a violation to report information with actual knowledge of errors. A person shall not furnish any information. Relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate, all information reported to a consumer. credit report must be 100 % accurate if not it must be deleted from a consumer credit report. By Law 15USC 1681s-2 Responsibilities of Furnishers of reporting information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. ( 1 ) Prohibiltion ( a ) Reporting information with actual knowledge of errors, A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate as you can see in the attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, There is an account listed on my credit report for a debt that does not belong to me. I have reached out to Transunion 3 times by mail asking for any and all information pertaining to this debt and my requests have been ignored each time. This has been a span of over 3 months trying to get information on this account. I have now reached out to the Collection company ( XXXX XXXX ) as well and have not received any sort of response after 2 letters by mail. I am 100 % sure this account does not belong to me. I have never done business with this moving company XXXX XXXX and a XXXX. 

I have done some research and according to the FDCPA 15 U.S. Code 1692g - Validation of debts- my requests for validation should be fulfilled. 

So in all, I have been ignored by not only Transunion but XXXX XXXX as well. 

I am demanding that this account be deleted after 90 days of waiting for this account to be validated. I would like all information sent to me regarding the opening of this account. I did not order any service from this company so with this information I should be able to see how this was allowed to happen and hopefully by whom. I assure you I never contracted any sort of service by this XXXX XXXX  and A XXXX If I did, there should be some sort of documentation. Per my research this is a moving company so documentation should have been received by the person ordering the service. I want to see this document.
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 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 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 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 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 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: Money transfer, virtual currency, or money service

I was trying to buy a house in XX/XX/2020, and a man by the name of XXXX XXXX that I met online claimed that he would be able to help me to buy the house. He told me that he would help me pay for the house if I sent the down payment to SunTrust bank and, I did. he instructed me to tell ; the banker at XXXX XXXX that the money was for me to buy a car but after I sent the money. He told me he did not want to work with XXXX anymore. I asked him to send me the money back, but he did not, and I called SunTrust Bank just to let them know that the man was scamming me. I needed them to send the money back to my XXXX XXXX, but the banker at Suntrust told me he would not be able to do that and ignored my request until this day. I sent {$12000.00} plus XXXX for the wire fee to SunTrust bank, and I never get it back. I would like SunTrust to send me my money back because I told them someone was trying to scam me. They needed to stop the person from taking the {$12000.00} out, but they did nothing about it. The transfer happened on XX/XX/2020. The name of the account the scammer gave me is XXXX XXXX XXXX. The account number is XXXX, and the ABA code is XXXX. The address is XXXX XXXX XXXX XXXX XXXX FL, XXXX. I am a single mom I work hard for my money so, I want it back ASAP.