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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$500.00} XXXXXXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$6700.00} XXXX XXXX XXXX  ( XXXX XXXX XXXX  ) XXXX Balance : {$270.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$480.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX 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 XXXX, alleging systematic 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 XXXX 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 XXXXXXXX XXXX  inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX  to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet TransUnion still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.
Product: Credit reporting or other personal consumer reports

Experian is In violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] :
Product: Credit reporting or other personal consumer reports

I am unable to login to my account or reset my password on Equifax.com. 

Some time in XXXX, I created an Equifax account with email address XXXX to pull my annual report. I have the login info saved in my password manager so I know I created an account. I do not recall if I was able to pull my annual report at that time, but I have not attempted to login to my Equifax account since then. 

XX/XX/XXXX - attempted to login to my Equifax account with XXXX and received an error that the username/password is incorrect. I double-checked the password I created with this account, attempted to login again, same error. 

I attempted to reset my password and received the error " We are temporarily unable to complete this request. Please try again later. '' I tried resetting my password from an incognito browser, clearing my cache and cookies, using a different browser altogether, rebooting my computer, etc. Same error. 

I attempted to register for a new account to try using a different email ( sadly there is no field in the registration form for email address ). Equifax 's site says I already have an account and that I have to login or try resetting my password, where I still get the " We are temporarily unable to complete this request. Please try again later. '' error. 

I googled this issue and several other people have had this same problem ; calling does not fix anything, the first tier agents are unable to resolve this problem. The agents advise they're escalating the issues to their backend tech team and that we'll receive an email when it's resolved but we never receive an email and the account login remains broken. Calling back results in the same loop of being told it's being escalated and we'll receive an email when it's fixed, and nothing is fixed and no email is received. 

The only successful fix for people has occurred when they file a CFPB complaint ; people reported their Equifax accounts were fixed within a few days.
Product: Debt collection

My complaint is against the ADR Group located in XXXX, CA. XXXX ( XXXX ) from the ADR Group called my father 's house looking for me today. First off I 'm upset because they care calling relatives to try to locate me!! I have been at my current address for 19 years and have never received any kind of communication from this company then all of a sudden they are hunting me down and when I do call them back they are threatening to take me to court and file a civil suit against me for a {$750.00} They said it 's for a XXXX bill from 2001. I had a friend call them back to see if she could find out any further information and she spoke to XXXX. XXXX could n't answer some of her questions so she put XXXX XXXX ( XXXX ) on the phone who told my friend that the company ( XXXX ) waited 10 years for the statue of limitation to be up to take me to civil court to collect this debt. I 'm just wondering why they would do that because if I owed them why have n't I received any communication from them? He also said I could settle the account today and today only for {$350.00} which will not be possible because I am unemployed. He gave me two options to pay {$75.00} a month until I pay it off or settle the account for {$350.00}. He also asked for checking account information and a date to collect on the settlement amount. I 'm very leary of giving someone access to my friend 's account and she called the bank and they told her not to do that ( I do n't have a checking account ). XXXX told my friend that I had until XXXX today to call them and give them checking account information. I am not employed and I do n't have a checking account. It 's not right that this company would contact me about an account that I ca n't remember, and on my first conversation try to get me to give them my personal checking account information and all they are telling me is that it is an old XXXX bill without showing me NO proof. Can you please have this company stop calling my relatives and to close this old account and not to take me to civil court. Thanks
Product: Credit reporting or other personal consumer reports

Complaint : Discrepancies in Credit Reports, Identity Theft Concerns, and Lack of Access to Credit Report via XXXX Personal Information : Full Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX Email : XXXX Phone Number : [ Insert Phone Number ] Company Name : XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Consumer Assistance Complaint Details : Issue : I am writing to file a complaint regarding discrepancies across my credit reports from XXXX, XXXX, Experian, and XXXX. I have encountered the following issues, all of which I have attempted to resolve through the credit reporting agencies, but without satisfactory resolution : XXXX XXXX XXXX : My credit reports contain outdated and incorrect personal information, including incorrect addresses, phone numbers, and employer information. Despite my multiple requests to update and correct this data, it remains inaccurate. 

Identity Theft Concerns : I am a victim of identity theft, as documented by the attached police report ( Case XXXX XXXXXXXX ). Fraudulent accounts have been opened in my name, and I am unable to access these fraudulent accounts to review their details. Additionally, checks were stolen to further justify this identity theft. I have filed a police report and an identity theft report with the Federal Trade Commission ( FTC ). These documents are attached as evidence. 

Failure to Provide Access to Credit Report via XXXX : I have a subscription with XXXX  to access my credit reports, but I am currently unable to access my credit report. This lack of access is preventing me from reviewing the status of my accounts and taking necessary action against the potential identity theft. 

XXXX XXXX XXXX XXXX : The credit reports from the XXXX major bureaus, XXXX, Experian, and XXXX, display inconsistent information regarding the same accounts. Account numbers, payment status, and other details differ, suggesting errors and possibly fraudulent activity.
Product: Student loan

I've been trying to login to my account for months. I keep getting a, " We're sorry our records don't match the information you provided. Please try again. '' I just want to submit a payment for my loan but I can not even login.
Product: Checking or savings account

I recently got a new job which does monthly paychecks vs biweekly. I deposited my first full paycheck in a month and a half for {$3200.00} at a Bank of America ATM in XXXX, VA on Tuesday, XX/XX/XXXX at XXXX XXXX. The receipt I received said there was a hold on it until XX/XX/XXXX, but it would not say why. I called BoA immediately, and and a supervisor responded that they do not see the hold, but to call back in the morning if the hold is still showing. In the morning of XX/XX/XXXX I called back, asking again for a supervisor. They said they couldn't do anything to help me and that I needed to wait 24 hours from depositing the check to call back. But that it was probably being held because of " federal statutes '' ( I think they assumed I wouldn't know the Federal limit is {$10000.00} ) But I waited and called back in the evening. Speaking to a different supervisor, they said that I needed to actually wait 24 hours from processing, which was XXXX XXXX, to get a review of a check hold and that they have notes to the check hold department to review and release the funds if available. He suggested I call back again the next morning at XXXX XXXX  when the phone lines open. I called back again this morning, XX/XX/XXXX, and again, asked for a supervisor. This supervisor told me that I was given the wrong information and the department I needed to speak to would not be open until XXXX XXXX and that I would need to call back again. At XXXX XXXX, I called back and was disconnected. Twice. I finally get ahold of someone, and they were extremely rude, and when I asked to speak to a supervisor, he transferred me to the account closing department. After finally getting transferred 3 more times to a supervisor, this one tells me that everyone else has misinformed me and that nothing can be done. There will be no review, no check hold removal, or push to clear. I then decide, after hanging up, to check with my employer. The paycheck has already cleared through their bank and the funds have been allocated. So, basically, BoA is refusing to give me my money and causing me financial hardship. I explained that I needed my money as the lack of funds would cause my account to go into the red and was basically told that I was just going to have to pay the overdraft fees. Even though they have the money already and are refusing to put it into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX the consumer, sent XXXX, XXXX, and EXPERIAN ( The CRAs ) certified mail informing them that Im a victim of identity theft. In that correspondence I made notice that the CRAs have 4 days upon receipt to block all information inside my identity theft report ; pursuant to 15 USC 1681c-2 ( see attached file ). The CRAs are in violation of 15 USC 1681 for failing their grave responsibility of reporting with fairness, accuracy, impartiality, and violating my right to privacy. All of the items inside my identity theft report are unauthorized, unvalidated, And being fictitiously reported. As stated, I am a victim of identity theft and will not be sending any non public information to an elaborate mechanism. I will attach my proof of identity, statement of identity, along with my proof address Via CFPB ( see attached file ). Inside my correspondence I made The CRAs aware of my disapproval of generic responses or E-Oscar. I dont consent to any computer generated responses or correspondence outside of the first person. My FTC report, Proof of Identity, Statement of Identity, Proof of Address, Last 4 of Social, as well as clear specification of the fraudulent accounts, stands as enough identification to prevent stalling tactics and non compliance. This is an Urgent Matter ; the false misleading reporting is hurting my ability to obtain credit. ( For this complaint The CRAs or the Credit Reporting Agencies XXXX XXXX XXXX XXXX & EXPERIAN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of the Equifax breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX  - XXXX Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely
Product: Student loan

My loans were transferred to Edfinancial. I have contacted them on multiple occasions through all communication outlets they offer over the past 3 months without any response. My account is showing an incorrect repayment plan duration of a 10 year repayment and an incorrect monthly payment due amount of over {$900.00}. I SHOULD be showing for the extended payment period- graduated loan repayment plan that I am on with monthly payment of {$340.00}. The company used to have a message that would appear on screen when you submitted an email that it would take 5 business days to respond. Now, there is no timeline provided of any kind of expectation for a response and just has an on screen message stating " higher than normal volume ''. I have read many many different reviews sites with long lists of similar experiences, so I hope that the CFPB is either able to help this company correct these issues or that Edfinancial is shut down/not utilized for government student loan repayment. Loan repayment is difficult enough with the currently arduous process that was supposed to have been improved upon time of repayments. However, the process seems worse, and you aren't even able to reach anyone at the loan servicer to help with the more complicated process that is now in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently took a look at my credit report and notice several trade lines that don't belong to me. CHASE and XXXX XXXX. I call in and spoke to a rep. She told me that these accounts are business accounts. I never own business. She also mention that it is company by name XXXX XXXX XXXX XXXX XXXX. I have no business with or know.
Product: Debt collection

{$450.00} was the amount I owed to XXXX, almost 7 years ago. XXXX sold it to these debt collectors months after. The company XXXX XXXX JUST NOW reported to my credit that the account was opened XX/XX/XXXX for {$450.00} which is false. The account was opened almost 7 years ago in NEW YORK when I lived with my parents, I took over the account for them. Ive been living in CONNECTICUT since XXXX and have not opened any accounts since living here with my fiance. 

They are trying to collect a debt that is already passed expiration.
Product: Checking or savings account

Back in XXXX I had a charge from XXXX in the amount of {$470.00}. Called the bank reported it wasn't authorized and that it was fraud. Went through the steps to dispute via phone. Apparently about 6 weeks later they state they had sent a mailing to me requesting more info ( never received ). Time goes on I notice the amount is withdrawn from my account again. They told me to submit the email in which I had reached out to them which I did. The email is a confirmation of the conversation had with an agent. I had replied back to the email with further information. They are now stating that they don't have enough info. Fast forward, they still want do anything as my card was compromised again, this time the elect to send me a new card. There is now a trend of my card getting hacked on social media sites with the most recent one being XXXX. Huntington is still refusing to do anything with the initial charge of {$470.00} from XXXX.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXXXX/XX/XXXX Transunion - XXXX XX/XX/XXXX Transunion
Product: Student loan

Without requesting an account review Navient sent me a letter on XX/XX/XXXX stating " During a recent review of your account, we found that your repayment schedule was shorter than it should be. '' I have been paying this loan for 13 years. Now, 74 months away from finishing I am informed, " weve extended your repayment terms, meaning youll have more time to pay and your Monthly Payment Amount may be lower. '' Decreasing my monthly payment by almost {$500.00} while increasing the interest they will be receiving by approximately 350 % and keeping me in debt for an additional 150 months! 

Upon calling the company the representative stated she was willing to increase my monthly payment back to the original amount ; she failed to understand that's not why I was calling. She stated the original promissory note ( from XXXX ) was not reflected in the repayment plan and I should refer to the original promissory note for confirmation. Well, I don't have a 13 year old document handy and she could not provide it. If she couldn't provide it where was the information coming from when my account was " reviewed ''? 

I believe this is another example of deceitful business practices by Navient.
Product: Checking or savings account

I am trying to open an account through Navy Federal not sure if its the site or if Im being blocked none the less I have called several times to inform them that their secured portal is not allowing me to upload documents I would much rather speak to a supervisor from corporate and email or mail my documents in.
Product: Credit card

This complaint is against CITIBANK XXXX XXXX disputes dept. 
previous inquiry XXXX Citi XXXX ( cc ) refused to investigate my dispute at all even though I sent them proof that the merchant overcharged me. After refusing to contact the merchant or even consider my proof they immediately ruled against me and assessed the entire XXXX amount to my account. No one would tell me how to contact an executive cc office. I later called disputes again and spoke to, finally, a reasonable person who saw all of my proof and immediately put the matter in dispute again but the cc did nothing and still refused to contact the merchant to investigate my dispute. 
At this point, XX/XX/year>, I was convinced the cc was making every effort to steal my money so I contacted the merchant directly and they admitted overcharging me by {$160.00} and immediately credited my account for same. I saw the credit as pending for 1 day and it disappeared but the cc still left the XXXX  amount in my acct. On XX/XX/year> I received an email from cc stating ACTION REQUIRED, WERE STILL MISSING SOME IMPORTANT INFORMATION and this was AFTER the merchant already credited my account for the overcharge when I contacted them but the cc was still determined to continue frustrating and cheating me hoping I would give up. 
cc email stated " We need additional information from you regarding your dispute. A letter requesting additional information is available inNotices and Letters. You can access it anytime atCitiOnline. Take a look and get back to us so we can resolve your dispute as quickly as possible. This letter has also been sent to you via mail, so keep an eye out. '' In conclusion, this entire dispute scam that the XXXX  at cc pull is illegal because they investigate nothing and just want to steal the consumer 's money and good credit. They have done this to me before on another dispute from a known internet crook and now Citigroup Faces Lawsuit Over Alleged Failure to Protect Customers from Online Scams. The cc should be criminally charged for causing these scams in their fictitious disputes department where again I had investigate and solve my own dispute because the cc do nothing except try to steal consumer money. 
Dont even get me started on cc checking bonus scam that I feel victim along with many others. Where is the consumer protection by the cfpb when all of cc XXXX  scams are disclosed and where is the occ oversight, supervision, auditing, etc.? Citi is not a bank, it is a home for XXXX  who are trying to make up for their horrible bad management losses by stealing money from consumers whenever possible.
Product: Credit reporting or other personal consumer reports

Its absolutely ridiculous that this issue is still unresolved. Ive been trying to get these pending litigation accounts removed from my credit report for months. Ive contacted you more times than I can count, and each time, Im left without a solution. These accounts are completely inaccurate and damaging my credit score, and Im done waiting for someone to fix this