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

I was reviewing my credit reports and found multiple accounts with conflicting information between the 3 credit bureaus for the same accounts that list different account numbers, date of last activity, last payment date, balance, account status, and original balance. I am requesting that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. 

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 maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 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 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. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : I have attached a copy of my ID for identity verification and a bill for address verification. 

1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX | {$0.00} 2. XXXX XXXX ACCOUNT # : XXXX | {$13000.00}
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXXXXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a legal and notarized document and request for proof of claim, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : XXXX XXXX XXXX  UNIV XXXX, XXXX  XXXX  # XXXX, US DEPT OF EDUCATION # XXXX, Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. 

XXXX XXXX XXXX, XXXX XXXX XXXX  UNIV XXXX, XXXX XXXX XXXX XXXX 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

I submitted a request on XX/XX/XXXX with the three credit bureaus. On XX/XX/XXXX I sent them another letter stating. I have no heard a response. I sent a complaint to the CFPB and this morning. I received a response about other dates in XXXX when I had disputed this complaint. The information was not accurate. There was nothing about my complaints I sent on XX/XX/XXXX. Therefore, this information must be removed from my credit report. It has been well over the 30 days from my complaint on XX/XX/XXXX. Please remove from my report. I received information from the credit bureau they received my recent complaint but no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.
Product: Credit card

I submitted several documents on several occasions to Capital One Bank to verify my identity due to fraudulent activities on my Credit Card. The final time, the week of XX/XX/2016, I mailed a copy of my driver 's license, social security card, birth certificate and a XXXX Credit card bank statement and was told the XXXX Credit Card Statement will not suffice for a bill. I informed them that I stay with my grandmother and the lights are in her name at the address that is on the Driver 's license, XXXX Credit Bill and their ( Capital One Credit Card. I have had such a hard time. with this company. I have several credit cards and they are all paid up to date except this card, which has caused my credit score to descend. I have n't paid a payment since XX/XX/2016, because someone used my credit card from someplace else and I refused to pay for their fraudulent activities. To me, this company is inefficient and lack professional service. Some of the fraud representatives do not know how to handle fraud cases. This has been going on Since XX/XX/2016, and has caused my credit score to go down-tremendously. I gave the Reps Documents INCLUDING A COPY OF MY CURRENT DRIVER 'S LICENSE THAT MATCH THE ADDRESS ON THE CREDIT CARD ACCOUNT, YET THEY ARE PROLONGING THE RESOLUTION AND CAUSING MY SCORE TO BE DECLINE. THE LAST XXXX DIGITS OF MY ACCOUNT NUMBER ARE XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX in full and they are reporting it as a charge off. I paid it in full once I was notified of the debt. I was making auto payments and was not aware that XXXX XXXX was considering it not being paid. I never stopped making payments and finally received notification that I had to pay the balance in full. Once I received that notification, I paid it in full. They set up this 0 interest and 0 payment until such date and it lured me sign up. In hindsight, I should have paid it in full at time of purchase. Now this negative report of " charge off '' is preventing me from getting a loan. I have paid this debt and it should show as paid as full. 
Attached is the final payment. Again, I was making monthly payments the whole time.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the inaccurate accounts ; XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX and/or XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX XXXX. XXXX XXXX with Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX ( XXXX ) XXXX phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

issue 1 ) Equifax keep adding XXXX  XXXX XXXX  back to my credit report. it was removed once based on the information provided to them years ages ago. now it is reshowing again. 

issue 2 ) Equifax also refuse to let me have access to myequifax portal to review my information. When I sign into my account it inform me to call customer service and I do. I explain that i am trying to log into my equifax portal account and it told me to call customer service, the representative i have spoken with have been no help and this has been going on for 2 yrs now. of trying to get access to my personal information.
Product: Mortgage

The bank made a huge mistake and tried to charge me more than {$12000.00}. I filed a complaint with the CFPB and the situation was resolved over a ten month period. In the interim they ruined my credit score and now after having received a credit for almost {$6000.00}, in going over my account during tax season, I discovered that the credit issued in XXXX of 2024 was then removed in XXXX of 2024. They have been overcharging me for six months now.
Product: Debt collection

We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still an accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this items ( 1 ). ( A ). 

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: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the Fraudulent accounts from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX in regards to an incorrect address on my credit file. I have never lived at that address.
Product: Checking or savings account

Today, I updated my Fifth Third app. In subsequent logins, my PASSWORD is now an AUTO FILL after I input the first XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency has a collection on my account. There is no listing of an amount owed or the name of Original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of 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. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Please remove the account : XXXX XXXX XXXX XXXX. Please remove this account ASAP.
Product: Mortgage

I purchased a new home XXXX 2014 directly from the builder, XXXX XXXX, but I just discovered multiple hard credit inquiries on all XXXX of my credit reports and it has hurt my score. I never authorized multiple hard credit inquires on my credit. My mortgage is through XXXX. I only filled out XXXX application in XXXX 2014 giving XXXX permission to pull my credit once. I never gave anyone else permission to pull my credit. 
XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014 XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX, 2014
Product: Credit reporting or other personal consumer reports

I sent my FTC report, Florida Drivers license by certified mail to XXXX, Experian, and XXXX. I have fraudulent accounts reporting on my consumer report. I will be filing a civil suit also.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulte from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOL Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENE to subsection ( c ) any consumer reporting agency may furnish a consumer report u following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUC consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEI to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of tI accounts listed IMMEDIATELY! 

XXXX BANK XXXX XXXX XXXX XXXX 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

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made.

The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report.

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Equifax.

1. Company Name : XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2019 -Unauthorized inquiry by Identity Theft
Product: Credit card

XXXX 's has switched credit card holders to now be Capitol One. I received a new card and was asked to activate it. I called the number on the card. Then they asked foe my name, the card number, and my social security number. ( I thought that number was only for taxes. ) They then wanted to send me a text message to verify who I was. They said they couldn't do it because my phone is not secure. They also said they could not text my daughter. The only other way they can verify me is by scanning my license and sending a selfie. 
I am XXXX XXXX XXXX. I do not know how to do either of those things. Never has a credit card company asked for a selfie. This is ridiculous and ageist. 
I have had a XXXX 's card for more than 10 years. The people at my local store are very kind, but unable to help. 
How can I activate my card without resorting to all of this nonsense?
Product: Credit reporting or other personal consumer reports

Unfortunately, I have fallen victim to identity theft, as unauthorized individuals have gained access to my personal information, compromising my security and resulting in fraudulent activities being conducted under my name. 
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : ( Private XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 XXXXXXXX ) that appears. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report XXXX XXXX. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX, and XXXX private ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.
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 XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number:XXXX  Account Name : XXXX : Account Number:XXXX  And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX 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

Exeter Finance has reported delinquent, negative accounts on my credit file that's an open, revolving account..
Product: Student loan

I have contacted Nelnet over XXXX times now ( in each form of communication ) to try and figure out why my XXXX has been in review for 6 months now. I have submitted all of the proper documentation. XXXX approved the application and sent to nelnet. Nelnet has completely failed to respond. Does not answer emails. Does not answer phone calls. Can not provide you any information about your loan. All they do is copy and paste the same message. Everyone in that customer service center should be fired immediately. Stealing tax payer money to do nothing. This is the biggest joke of a company Ive ever dealt with and im not surprised its government related. Theyre protected to do whatever the XXXX they want and its unacceptable. I still have not gotten the information I need and it has been 6 months, XXXX phone calls, XXXX emails and even hand written letters.
Product: Checking or savings account

I am writing to file a complaint against Bank of America regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Exquifax report shows a joint credit card on my file as having a balance of over XXXX and late when not only is that account closed but the balance is {$0.00}. This error is causing my debt to credit ratio to be extremely high and is negatively impacting my credit. Additionally, this shows as a 30 day late when this is not accurate as NO bills were sent to me after moving and with XXXX locking me out the account i had no way to determine the status of this account.
Product: Student loan

I have asked NAVIENT via the required forms to release my father as a cosigner. NAVIENT insists that they never receive my US Postal mail, even though I have certified it and have proof that they have indeed received it. This game has gone for over a year.