23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, upon hearing of the data breach at Equifax, I went to their website. It asked for the last 6 digits of my social security number. Then it told me none of my credit information had been compromised.
Then I learned that by using the site to check if my data was breached, I had opted into an arbitration clause. To preserve my rights to sue them in a federal court, I have to notify them in writing. Snail mail, stamp, envelope, time. Equifax tricked me. Of course I can join a class-action lawsuit, but right now I just want you to enjoin them from tricking other consumers as Equifax tricked me.
Equifax does not provide a clearly accessible phone number to contact customer service, specifically for those whom may have been affected but have not bought any products from Equifax.
If their website contained a telephone number for consumers who had not created an account from purchasing a product, I could not find it. I am XXXX. It could be that the website was poorly constructed and that my screen reading software merely did not read the number.
Product: Credit reporting or other personal consumer reports

This account was reported on XXXX in the amount of {$940.00} dollars. I provided a police report with the report number being XXXX with the XXXX, MN police department. I continue to advise that this account is not mine and I did not authorize anyone to open it under my name. This is one of many accounts opened under my name I want to have fixed. Unfortunately, no one will help me. The company also continues to harass me with phone calls, text messages, and emails advising me to pay the balance or pay a smaller balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM WRITING THIS LETTER ONCE AGAIN FOR THE 4TH TIME IN REGARD TO INACCURATE INFORMATION LISTED ABOVE ON MY CREDIT REPORT. I AM CERTAIN I DON'T OWE ANY MONEY.

I HAVE NOT RECEIVED ANY OF THE FOLLOWING : Money that you say I owe for?

The breakdown of how you calculated what you say I owe.

Copies of any documents that show I AGREED to pay what you say I owe. 
Proof showing me that you are licensed in my state, and please give me your license number. 

THERES A LIST ON INACCURACIES IN THE SCREENSHOTS PROVIDED PERTAINING TO THESE TWO ACCOUNTS. THESE TWO ACCOUNTS SHOW AS CHARGED OFF AND CHARGED OFF AS BAD DEBT. HOWEVER, THEY DO NOT REFLECT {$0.00}. THEY ARE ALL ALSO SHOWING AS REVOLVING, WHICH MEANS THAT THESE INACCURACIES ARE HURTING MY CREDIT EVERY SINGLE MONTH.

ONCE AGAIN I DEMAND THAT IF YOU HAVE REPORTED ME TO ANY CREDIT REPORTING AGENCY THAT YOU INFORM THEM THAT I DO NOT AGREE WITH THIS SO CALLED DEBT AND THAT I HAVE PLACED THIS DEBT INTO DISPUTE ONCE AGAIN. PLEASE PROVIDE ME WITH PROOF THAT YOU HAVE DONE SO. 

FURTHERMORE, I ASK THAT YOU IMMEDIATELY SEND ME A COPY OF MY DISPUTE AS WELL AS CORRECT AND UPDATE THIS INACCURATE DEBT AS REMOVED IMMEDIATELY! 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX | XXXX : XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with XXXX XXXX XXXX XXXX XXXX regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe. 

I have notified XXXX XXXX XXXX XXXX XXXX directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, XXXX XXXX XXXX XXXX XXXX has not conducted this required reinvestigation within the mandated 30-day period.

The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that XXXX XXXX XXXX XXXX XXXX conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate. 

I also urge XXXX, XXXX, and Experian to ensure that accurate and up-to-date information is reported in compliance with the law. 

I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i. 

Sincerely,
Product: Debt collection

I believe this account is a fraud XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX is reporting on my Equifax credit report 3 times, account numbers XXXX in which it is the same XXXX account reporting 3 times. This is a fraudulent account and does not belong to me, it belongs to XXXX XXXX. I have attached a letter from XXXX acknowledging the debt is her and that I had no knowledge of. I am asking for you to please remove these XXXX accounts as they are not mine. I have attached a copy of an incident report from the XXXX XXXX XXXX. I am submitting my mortgage document with my signature and the year of my XXXX XXXX XXXX residence. Then I am attaching a copy of the letter from XXXX acknowledging the debt. Lastly, I am sending a copy of my property tax document, which shows I did not reside at the residence on the application, during the period of the application, I resided at my current property XXXX XXXX XXXX XXXX . I have been residing between the XXXX properties over 15 years, Yes, I am also attaching the application page that was submitted to CFPB from XXXX in which it is clear that is not my signature on XXXX 's application.
Product: Debt collection

Hi, I have recently pull my credit report and reviewed, I noticed that there was a company of NCA listed on here for a collections. I for one never received documentations that I had any type of debt with them. I reached out to the company on XX/XX/XXXX for them to validated this debt, I never received a response, I then reach out to them again on XX/XX/XXXX for them to follow up on the validation of this debt they have listed on my credit report. The company has refused to provide or even responded with any proof or knowledge that this debt belongs to me. At this time they have violated my consumer rights. The law states that If the debt collector does not send sufficient proof of the debt, they are not allowed to continue pursuing you for the debt. That includes listing the debt on your credit report. The company has broken several rules since my initial letter sent on XX/XX/XXXX. I am keeping very detailed documents. This company needs to remove this from my credit report immediately. The company has had more than 60 days to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Product: Student loan

Student loan is my son 's responsibility. His late payments have affected my credit score. Navient continues to harass me. They ask personal questions ( they do not have the right to know certain information ). 

I have given them my son 's contact information. I do not want them calling me at all times of the day. 

Navient has had access to my credit scores and have lowered my credit score.
Product: Checking or savings account

I was notifed through cash app that a charge was declined for my protection. When reviewing the charge, the app asked me if I recognized it and I said no. This canceled my card and a new one was issued. Upon further investigation, I noticed the charge was recurring and was successful on XX/XX/year>. I immediately disputed the charge. My first dispute was denied. I called the XXXX number for cash app and explained to the agent that I do not know what XXXX is. Another dispute was created but was quickly denied stating that I authorized the transaction but I did not. Upon further investigation, I learned that XXXX is an app on XXXX XXXX store. I emailed the app about the unauthorized charge twice with no response. I have closed my cash app account as a result of money being taken out of my account. I need my money back which was {$34.00}. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

WRONG CHARGE-OFF DATE on XXXX XXXX account # XXXX i ask them to do a verification on this account and they send me a letter saying its been verify and updated, and i request a method of verification to provide me with original documentation with balances and the date that became a charge off with proof, they have fail to provide me with any documentation, so if it can not be verify it has do be DELETED
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my XXXX credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted XXXX they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. XXXX has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that Equifax has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXXXXXX blames XXXX while XXXX blames XXXX XXXX and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX
Product: Credit card or prepaid card

My newly issued credit card from Best Buy/Citibank Visa was intercepted in the mail before reaching me. It was used to charge approximately {$1600.00} in merchandise. I was informed that the card was pre-activated when it was issued and mailed out. This should not be a practice of any responsible company, as it is practically asking for fraud to occur at the expense of not only the creditor, but the consumer who has to suffer consequences because of this unsecured practice. I am reporting this because I want to take every possible step to protect my credit which I have worked diligently to repair. This breach, albeit temporary as explained to me by the credit card company, has damaged my credit. I would also like an investigation into my local post office, because within this month, another newly issued credit card from XXXX XXXX was also intercepted in the mail. Fortunately, that card was not pre-activated as in the case with the Best Buy card and I was alerted to the fraud and issued a new card immediately. Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one credit card was reported with a {$71.00} balance but my balance is {$0.00}. See attached
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureau about inaccuracies on my credit report. I have yet to receive a response after more than 30 days. I feel as if I'm being taken advantage of and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to examine these matters within 30 days gives a basis to remove those items from my credit report immediately ; it has been 30 days without a response, and they should be erased as soon as possible. I demand that these accounts be deleted immediately, or I will initiate a lawsuit to compensate me for the stress you have caused me. In addition, the Equifax data breach exposed my personal information, which may have ended up in the hands of the wrong person.
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. 
Account name : XXXX # XXXX ..., Account name : XXXX XXXX XXXX # XXXX, Account name : Capital One # 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 states that a consumer reporting agency can not furnish an 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, 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

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies Midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Product: Credit reporting or other personal consumer reports

When I go to Experian.com to attempt to lift my security freeze it repeatedly tries to get me to upgrade my account implying that I must pay to manage my security freeze.
Product: Mortgage

Since I have applied, I let the company know I was not paying rent over the summer. Aparently, according to underwriting regulations, I would not be able to include my rental income from my investment properties during that time, thereby probably disqualifying the loan. 

I have spent many many hours gathering documents and this process has taken weeks and weeks. If this was the case, this should have been disclosed early on. 

Now, the company is tring to charge me {$20.00} per day to keep my rate lock. Even though they were the cause of an almost 2 week delay by not adding notes to the correct area of the application. 

What a waste of time- I could've have worked with a different bank during this time, or been able to ammend my situation so that I DID qualify. Now the rate will expire and because of my experience I will likely need to go through this entire process over again with a new bank.
Product: Debt collection

Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. 

I contact XXXX XXXX XXXX  collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and XXXX XXXX XXXX continue to report the account as belonging to me, affecting my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting to XX/XX/XXXX as of XX/XX/XXXX that my account is 60 days past due in the amount of {$150.00}. This account is paid in full with a XXXX balance. I have emails showing I have no active account with them and that all my accounts are paid in full. I received an email from XXXX today XX/XX/XXXX that as of today affirm is showing an amount of {$150.00} which is incorrect.
Product: Checking or savings account

I tried to access my account on XX/XX/22 online. The system needed to verify me but they only had my old cell phone number on file. They had no other automated way to verify me even though my email address had not changed. I had to call and they still would not do anything for me until I faxed or sent a copy of my Drivers License. I don't have access to the technology for this and don't make it into town often, hence why I do my banking online. I filed a complaint here already and the response took almost a month to reach me. 

This is the exact response I got : " You may also mail or fax the document with the information provided below. Please include your full name, address and last four digits of your account number should you wish to fax or mail the information. Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Fax ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX, ( XXXX ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Burea '' On XX/XX/22 I finally made it into town and went to a local credit union to ask if they could fax it. They said it was not a service they provided but they would do it one time for me. They proceeded to fax it and I waited until they received a confirmation that it had been sent successfully. I called Discover the next day, XX/XX/22, to access my account and they could not locate my fax and therefore would not give me access to my account unless I told them the number that the fax came from. I don't have that info and the credit union is not able to give it to me because it is a phone system, whatever that means. I followed Discover 's instructions exactly ( nowhere in the instructions did it indicate I would have to provide the fax number it was coming from ) and they still won't allow me access to my money. It has been withheld from me for 30 days now. 

I am still receiving monthly statements to my address on file with them that has NOT changed. All I want is to close the account. They can either send me a check to the address they are still using for statements OR they can send the money through ACH to the XXXX account that is also on file on my account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, TransUnion and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$14000.00} XXXX XXXX Account Number : XXXX Balance : {$99.00}