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

My credit score was reported differently to creditors when applying for new credit by the three major credit bureaus causing my denial in getting new credit. An egregious example of a long history of discrimination affects the data that the credit-scoring models use today. Today, FICO considers payment history, amount owed, length of credit history, new credit, and credit mix in its model. But that data is influenced by the generational wealth that many XXXX and XXXX borrowers did not have equal access to resulting in a low FICO score for the poor, low-income, and middle-class. 

XXXX service members were denied the benefits of the Servicemen 's Readjustment Act of 1944, more commonly known as the XXXX XXXX. The bill was designed to reward service members with benefits that would increase their social mobility. These benefits included higher education financing, as well as housing and unemployment benefits. However, eligible XXXX service members trying to cash in on the bill were either met with resistance or denied benefits altogether. 

So a white service member might have been able to buy an affordable home and pass that home down to their children, who could then benefit from the home equity and the positive financial gains of their ancestors ' ability to purchase a home through benefits like the XXXX XXXX. These are direct results of racial bias, which can undoubtedly alter the path of someone's financial life. 

The burden of poverty can trickle down to children who are at a disadvantage when it comes to being scored using today 's FICO scoring methods used by the three major credit bureaus. Data points like credit length and payment history might not be the same for XXXX consumers as it is for their white peers, given the enormous disparity in wealth-generating opportunities.
Product: Credit reporting or other personal consumer reports

I am currently a co-signer on a vehicle through Citizens Bank. Currently showing a late payment between 30-59 days which is incorrect. The owner of the vehicle had ask the bank for a loan extension on the payment so the payment wouldnt default into a late status. Original owner receive paperwork in the mail about the approval of the loan extension but the information was never updated on their account making the payment late as a whole. Payment defaulted past 30 days and is now showing up on our credit reports. I have disputed through XXXX XXXX and XXXX with no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continue to report inaccurate slanderous negative payment information concerning the student loans Ive paid off. From the loans in years XXXX. 

I was in school till XXXX and while a student is enrolled loan payments are differed until after they graduate. The late payments and derogatory statements being reported are false, misleading and slanderous.
Product: Credit card

At age of XXXX in XX/XX/2004 i opened up credit card account with capital one. Up untill this last year they have been " updating my credit limit '' in order to keep dinging my credit. Im new to understanding my credit score but i do now know that was illegal and horrible for my credit.
Product: Credit reporting or other personal consumer reports

I have disputed information on my consumer report multiple times and the following agencies XXXX, XXXX and Equifax continue to report inaccurate information on my consumer reports. They continue to violate the consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

They have failed to follow the laws and continue to violate them.
Product: Debt collection

This company has called repeatedly. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I have a FHA loan and this loan is serviced by Bank of America. The bank did n't fulfill any of the contractual obligations it made with HUD, specifically loss mitigation before filing a foreclosure lawsuit against me. I have been fighting this bank for nearly four years in court and it has still refused to do what it contractually agreed to do. I also sued the bank under the Illinois Consumer Protection Act for its unfairness. It 's my understanding that this bank has repeated this conduct with several XXXX of FHA mortgages.
Product: Credit reporting or other personal consumer reports

I'm providing the letter that Equifax keeps sending me and I want to escalate a complaint regarding Equifaxs repeated mishandling of my credit report and related documentation. Despite my continuous compliance with requests for verification documentsincluding my Social Security card, driver 's license, lease agreement, and utility billI have faced persistent barriers and clear violations of my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, I have provided all requested documents multiple times, yet Equifax continues to claim issues with my identification verification. Notably, during a recent call, a representative confirmed they could read my address on my ID despite the notes on my account stating otherwise. When I asked for clarification regarding this discrepancy, the representative abruptly hung up on me. This behavior is unacceptable, unprofessional, and demonstrates a lack of regard for consumer rights. 

In addition to this, Equifax has retained inquiries on my credit report in violation of 15 U.S.C. 1681c-2 ( Section 605B ), which mandates that all information related to fraudulent transactions or accounts resulting from identity theft must be blocked within four business days upon receiving proper documentation. Despite my compliance and your possession of multiple copies of the necessary documents, Equifax has failed to take corrective action. 

Equifaxs actions, including repeated document requests, lack of resolution, and improper handling of my credit report, also appear to violate FCRA provisions requiring reasonable procedures for accuracy and prompt investigation : 15 U.S.C. 1681g My right to access my credit file has been obstructed by Equifaxs unnecessary, repeated requests for documents already provided. 
15 U.S.C. 1681i Equifax has failed to conduct a proper reinvestigation or make corrections based on the evidence and documentation I have submitted.

15 U.S.C. 1681c-2 Inquiries and information resulting from identity theft have not been removed, despite your obligation to do so within the statutory time frame. 
Furthermore, Equifaxs failure to comply with XXXX XXXX standards, which outline uniform and accurate reporting practices, exacerbates these violations. 

I demand the following corrective actions immediately : Remove all inquiries and information that violate 15 U.S.C. 1681c-2 ( Section 605B ). 
Provide a clear and specific explanation of why my documents, submitted multiple times, have not been accepted or processed correctly. 
Ensure proper compliance with FCRA and XXXX XXXX standards in handling my credit file. 
Provide a written response detailing the corrective actions taken. 
Please consider this letter as formal notice under FCRA, and be advised that I have documented and recorded all interactions with Equifax representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$400.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : 11 XXXX XXXX  ) XXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

They keep disputing the wrong account! I called to dispute the XXXX account and they removed my XXXX XXXX  credit card by mistake. I called them to fix this and they then dispute 3 of my XXXX accounts instead of the 1 I asked to be disputed! Today I got a notification saying the wrong XXXX account was removed!!! Im going to attach a picture of the account that was suppose to be disputed and removed! The XXXX account thats suppose to be removed has the date of XX/XX/2018!
Product: Credit reporting or other personal consumer reports

I have asked all three bureaus- Equifax XXXX XXXX, and XXXX numerous times and through letters to please do the following : 1. Please delete inaccurate names showing on my credit reports that are not my name. XXXX alone showed over 20 different names that are not mine. I have also filed disputes and they are still appearing. 
2. I have asked for inaccurate or old addresses to be removed from all three of my reports- online, via mobile, and in writing. I have filed disputes and they are still appearing on my reports.

3. I have asked for all derogatory information to be verified as mine. None of the information that is showing as derogatory belongs to me.

4. I have filed countless disputes and sent letters regarding all of these inaccuracies to ensure that the information that is showing on each report ACCURATELY DEPICTS MY CORRECT INFORMATION and not the information of someone else. 
5. I also located duplicate accounts with late payment histories from XXXX XXXX XXXX  credit card company that are also not mine. I have never been late on a single payment with any credit card company. 

I have tried so many attempts and would really like some help and assistance to get this right. These inaccuracies have adversely affected me. These inaccuracies have denied me housing and it could deny me future employment or the ability to obtain any future lines of credit should i deem necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to alert you that I was the victim of identity theft. I looked into how to delete the bogus entries from my report and discovered that I needed to file a report with the FEDERAL TRADE COMMISSION or https : XXXX. Credit reporting agencies are required by FCRA section 605b to remove/block any items reported on an id theft report. Please see the ATTACHED documents to help you stop the incorrect information that is being uploaded on my report. 

The following is a list of items that do not belong to me and were opened without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$10.00} ; XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance Owed XXXX {$6600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$500.00} ; XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

CALLED ME ON CELL 7 TIMES, MY SISTER 2 TIMES AND MY MOTHER 11 TIMES. 

WENT ON CREDIT REPORTS. WITHOUT APPROVAL HARASSMENT AT ITS BEST AND ILLEGAL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM NOT THE ONE THAT OPENED UP ACCOUNT XXXX THIS IS NOT ME THIS IS A FREQUENT ACCESS MY ACCOUNT AND MY INFO THIS IS SOOM ONE THAT GOT MY INFORMATION. 

XXXX XXXX IS NOT MY ACCT. 
XXXX THIS IS NOT ME. 
ONE HAS MY NAME AND ADDRESS. 

THIS SOOM ONE THAT GOT MY INFORMATION. XXXX WILL ACCT. # XXXX MY INFORMATION IS IN THE DARK WEB.
Product: Student loan

All of my loans ( private and federal ) are in deferment until XX/XX/2022. Sallie Mae continues to harass me through email, phone and direct mail about paying these loans. I am already in the process of having my federal loans forgiven because the school lied and defrauded me, overcharged and misled me as to what I could do with my degree.
Product: Consumer Loan

During XX/XX/XXXX-XX/XX/XXXX, my personal information was compromised. Ally financial attached an account on my credit report that is in collection and this is a fraudulent account. Ally is alleging that I made payments on said vehicle for a period of time which is a lie wherever the payments came from it was not me. They have no payment history showing I ever paid anything and I had XXXX bank account with no transactions to Ally financial. At any rate, they are claiming there is a balance due. I do not know what this balance is for. I never received any correspondence in reference to said vehicle. I have no idea where it is. This needs to be deleted from my credit report immediately as I am attempting to correct the wrongdoing. I spoke to Ally customer service who told me they have red flags in place for this type of thing. I was asked to fax over a police report and filing with the FTC which I did. I do not know why they are telling false stories and making up payment histories. They can not provide any documents in regards to this. If this were my account, I would have an idea of where the car is, what happened to it. I would like to know their method of verification. They need to delete this from my credit immediately as it is having a negative affect. I am desperately attempting to repair my life after such a stressful ordeal. Ally is flat out lying. There were never payments made by me. I have heard they have done this to other consumers in the past.
Product: Debt collection

On XX/XX/2016, this debt for {$650.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a )  ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit card or prepaid card

I have the following point denominations spread across three versions of the Barclays XXXX Rewards Visa : XXXX XXXX XXXX Together, I should be able to redeem XXXX out of these XXXX points for an XXXX  gift card. However, Barclays offers no way to combine these points. 

XXXXXXXX XXXX 0 % financing is only good for the first 30 days after account opening, so you are incentivized to open a new card every time you purchase an XXXX product.
Product: Credit card or prepaid card

I was first a victim of scams and was tricked into exposing my identity to scammers. While reviewing my credit history lately, I noticed a Capital One credit card was fraudulently opened in my name around XX/XX/2019. I have never owned a Capital One card or account. I phoned Capital One at XXXX about this situation and was told to expect a follow up which I never got. I am surprised that Capital One would approve a credit card application without checking the applicant 's identity.
Product: Mortgage

Our family was part of a trial payment program to qualify for a loan modification with Freedom Mortgage the company. During the trial period until the final approval and modification of the loan we made all proper payments on time. We have been referred to the credit bureaus as late payments for the entire trial and approval process. This issue has damage my credit score to the lowest point. Freedom Mortgage did not inform me at any time that this entire process will be reported as being a late payor. I have called several times to get this disputed and I am always being told that it will be under review with no solution. Can your team help us clear this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have loans with XXXX totaling {$89000.00}. 8 out of 9 loans are private loans and the last is subsidized. After graduating college, I had a hard time making payments so I called the company in XX/XX/XXXX to be put on a payment plan. They were not clear whether I was on an income driven plan or a lower APR plan with extended terms, or both. I never received any disclosures. Before you enter a payment plan you must make the first 3 payments of the plan before they consider your account to be brought current. So while I was paying on my loans I was still being reported delinquent and some months I was paying up to {$400.00} a month! Once your plan ends there is no notification that you must renew. They clearly state in multiple places that they do no delete past due payments on your credit report. My credit is ruined because they reported me delinquent although they were taking automatic payments out of my account. This is so unfair and deceptive.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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  that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I'm on XXXX my check go to XXXX they have my money and I can't get it. Called them and they said it was happening to a lot of people and they were trying to fix it 3 daysstill not fix and can't pay my rent or bills try calling again and there not taking call please hehp soon
Product: Debt collection

XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.