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

I requested annual free credit report on XX/XX/XXXX and only Equifax couldn't provide the report online. 

I logged in to their " myequifax.com '' and discovered that my current address in Equifax 's file is XXXX year old formal address. Incorrect current address denied access to annual free credit report. 

Frustrating fact is that I disputed this decade old formal address on XX/XX/XXXX, XXXX and Equifax closed dispute by correcting it on XX/XX/XXXX. 

It is XX/XX/XXXX and their latest credit report still has old address. 
It also indicating that previous requested credit report in print is sent to that old address to a stranger as well. 

Equifax lost my and my spouse 's private information in XXXX along with millions of other customers. Equifax apparently still do not manage these precious confidential information well or care enough to do so. 

I called in again today, XX/XX/XXXX over 30minutes on the phone to correct the address and even placed fraud alert to be alerted, the representative was very polite and professional but I didn't have to spend extra time and concern over this issue over and over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian Employers : XXXX XXXX XXXX  XXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record : XXXX XXXX XXXX XXXXXXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX 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 am filing this complaint because the following credit bureau ( s ) have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Equifax : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX : 1. Validate Account XXXX Account Number : XXXX 2. Validate Account XXXX Account Number : XXXX 3. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit card or prepaid card

First Progress did not furnish me with a Form 1099-C after an alleged debts of {$150.00} was charged-off from credit accounts in my name. It is also to my understanding that once a creditor charges-off an account, that they receive a tax deduction for the charge-off amount when they file their taxes. That in turn converts the amount owed from an alleged debt, into earned income, which has fraudulently been reported to the consumer reporting agencies as a charge-offs, and it misrepresents the amount charged off as alleged debt owed, instead of earned income, which is being fraudulently reported to the credit reporting agencies. Not only does First Progress have it listed on my reports as charged-off, but with the received tax deductions, this is considered tax fraud according to the IRS.
Product: Bank account or service

Late afternoon on XXXX XXXX, 2015 I took a check written from my business account into Bank of America to cash. There was only XXXX teller working. The check was written for {$5500.00}. The teller ran the cash through the money counting machine and then took from the stack and said she almost gave me an extra {$100.00}. She put the money in an envelope, without counting it back to me, and I left without thinking there 'd be an issue. Well there is an issue! When I counted the money, and the bank was already closed, I found out the teller had given me only {$4400.00} ... {$1100.00} short. Immediately the next morning I went to the bank and explained what happened. The first representative immediately said the count was not off {$1000.00}. My wife interjected and said it is {$1100.00} off not a {$1000.00}. The representative then went to get the supervisor and after about 30 minutes she explained they would request the video, but there was only XXXX person that managed the entire Western region so she was not sure how long it would take. She called back and said they found no error. I asked to review the video and she refused saying that it would invade customer privacy. There were no other customers at the teller. And if the cameras are focused in on the counting machine to verify it counted out correctly then that too should not be an issue of letting me review the video. Bank of America has stolen {$1100.00}. of my money. The supervisor said their investigation is closed and I really do n't know how else to pursue justice in this matter.
Product: Student loan

XXXX YEARS. XXXX YEARS I have been repaying student loans. I went back to school to become a teacher in the community I grew up in. I noticed a disparity in the diversity of teachers relative to the student body. I finished my education and was hired at the very high school that I graduated from. It's the best career move I have ever made. Navient has made sure that I will never pay off this loan. Years of payments, programs, forbearance, have resulted in my balance now being MORE than what I borrowed, reporting late status to credit bureaus even though I have automatic payments coming out of my account EVERY MONTH, and this latest criminal act ... pulling me out of a repayment program that Navient decided I was not qualified for and now demanding more money to keep from being late - which they report that I am anyway. I pay XXXX different private loan payments, yet they break the loans out in XXXX separate loans so it's reported as XXXX different late statuses. I have XXXX credit cards that I have NEVER been late on and have NEVER paid the minimum. Payments are usually {$100.00} to {$200.00} a month. Same with my car payment. Yet, because of Navient, my credit score remains in the mid XXXX, despite years of on time payments. They have blacklisted me from home ownership, decent interest rates, and any decent loans. XXXX YEARS of this. I'm not taking it anymore. I'm done with Navient. Paying them on time has made no difference in my loan amount or my credit score and this latest stunt is the final straw. Find a way to dismantle this loan servicer XXXX. They should not be allowed to dictate a person 's life in this way. Allowing them to continue means the government is complicit in their XXXX actions.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Original Creditor : XXXX XXXX Bank Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section XXXX15 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX XXXX that the debt is the result of identity theft. 

I Never opened a credit card with XXXX  XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. 

Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. 

Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and 5. take all actions required of you as a furnisher of information to credit reporting agencies.

Thank you for your cooperation. 

Sincerely, XXXX XXXX Enclosures : I have attached to following documents FCRA 615 ( g ) ( 2 ) FCRA 605B FTC Notice to Furnishers of Information Identity theft Report Identity Theft Letter to debt collector Police Report ( Pending Deputy Signature )
Product: Credit reporting or other personal consumer reports

Dear Sir/Madame, I wrote to all XXXX major credit agencies Experian, XXXX and XXXX, XXXX dispute negative items from my credit report and here is following. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Experian Information Solutions , Inc . 
Despute Department.

To whom it may concern, Im writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1581i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Reporting Bureau ( CFPB ) have brought to light significant concerns regarding Experians failure to conduct proper investigations.

Specially, in a lawsuit filed against Experian the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under CRPB.

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Experian is required to conduct a through and reasonable reinvestigation of disputed items within 30 days. Furthermore under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Experian : 1. Provide me with documentation used to verify the accuracy of the disputed information.

2. Conduct a thorough investigation of the following disputed accounts or items from ( XXXX XXXX ) and ( XXXX ). 

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law.

Given the recent CFPB findings, I expect Experian to handle this dispute with the utmost seriousness and compliance with legal standards.

A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation. 

Please respond to this dispute in writing within legally mandated timeframe. I expect written confirmation of any changes made to my credit file. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unauthorized hard inquiries on my credit report within a couple months time. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment on XXXX is listed as XXXX XXXX which is not correct.
Product: Credit reporting or other personal consumer reports

I discovered this collection on my credit report. i don't know how they obtained any of my personal information with out my consent but this has put a hindrance on my life.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax 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, Equifax alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX, Equifax 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 XXXX 's, Equifaxs inaction violates federal law and my rights as a consumer. Accounts : DEPT OF EDUCATIONXXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts, 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 an account without my written instructions. 

XXXX XXXX  ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXXXXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I would like these inquires removed from my report. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an offer in the mail for the Milestone credit card. The literature did not mention that there was an annual fee of {$170.00} and that this fee would be deducted from the credit limit. 

I was approved with a {$700.00} credit limit minus {$170.00}. I was not aware of this fee until XX/XX/XXXX when I tried using the card at a store and the transaction was declined. As of XX/XX/XXXX, I have a balance of {$660.00} and a transaction for {$32.00} would not process for some odd reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I began the process of working with a mortgage lender to purchase a new home. The loan officer told me that it was coming back as a foreclosure within the last 7 years when he ran my information through XXXX XXXX. I told him I never purchased a home before so I do not know what that is. On Monday, XX/XX/2023, the loan officer called me back and said XXXX XXXX told him it was XXXX account is causing foreclosure to trigger and it is ONLY TransUnion reporting the inaccuracy. The other 2 bureaus are reporting it correct as a installment account credit builder. When I contacted TransUnion, they told me they could not correct the account type on their end because the account is closed.
Product: Checking or savings account

I am writing to dispute the seemingly illegal action taken by CITI bank against my savings account. On XX/XX/2023, my account was blocked without proper explanation, and I received an email from CITI informing me that my account would automatically close within 60 days, as they claim that I have violated the terms of my account per the client manual. 
However, I strongly disagree with this claim. My account was opened on XX/XX/2023, and I have not violated any terms of the account. In fact, I even spoke with a CITI bank customer service agent just XXXX day prior to the account closure and was not made aware of any issues with my account. 
I have attempted to find out about the reason for the CITIs action and resolve this issue with CITI bank, but have been met with significant resistance. Despite being passed around to numerous departments, I was only able to reach the Account Take Over ( ATO ) department, which refused to provide me with any meaningful assistance. They repeatedly stated that there is a mandatory wait time of up to 60 days, during which time I would be unable to access my funds. They also refused to provide me with a reference or case number, despite my repeated requests as well as they refused to connect me to any higher management level / department where may be able to investigate it sooner.

As my account contains {$140000.00} in funds, I can not accept waiting for two months without access. Therefore, I am ungently disputing CITI bank 's decision to block my account without providing me with a clear reason, and then forcing me to wait for a period of 60 days without access to my funds. I believe that this action is unfair and unjustified, and I am seeking a resolution to this matter as soon as possible. 

Thank you
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of XXXX life, a sudden jolt shattered the tranquility : I had become a victim of XXXX XXXX. Like a thief in the night, unseen hands had stolen my XXXX XXXX, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated XXXX. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting

I have been a victim of identity theft since XX/XX/2012. I have an extended fraud alert on my credit file. Recently, there has been an increase in attempts by identity thieves to open credit/loan accounts using my identity. Most of the creditors will call by phone and ask me to identify myself and ask if I applied for credit with them. When I deny that it was me who made the application, they simply deny the application and send me a letter in the US Mail stating that they were unable to approve the application because they were unable to verify the information that was provided on the application. Some creditors will send a second letter stating that they will submit a request to delete the inquiry to the credit reporting agencies. My complaint is two-sided - one side is with a particular company that calls and asks for all of my identification ( name, address, phone number, date of birth and social security number ) when notifying me that an application for credit has been made with them in my name. It makes me very uncomfortable when I am asked for this information over the phone and I am told that the company can not verify my application without this information. I am not confident that this request for my information is even legitimate because my information is not requested by all of the companies that notify me about applications that they have received in my name. The other side of my complaint is with a particular credit reporting agency which, although there is a fraud alert on my credit file, has released my credit report to that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Um hi my name is XXXX XXXX I was was wondering if I can dispute the negative items on my credit report like bank fees and cell phone bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax continues to report these accounts incorrect. ive called them multiple times and they refuse to fix. they are reporting indigo account as of 120 days late as of XX/XX/2020 the connotation is also incorrect on this account. they hve a XXXX balance which is correct but its listed as a charge off which is incorrect. how can it has a XXXX balance and be 120 days late as of the last report cycle
Product: Debt collection

I Am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.