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

On my Equifax XXXX XXXX, you recently remove an account from XXXX XXXX and recently, you put their information back on my file because they gave you a different name to file it again to XXXX XXXX XXXX. It's the same account. 
I need you to remove this account immediately. 
XXXX  still needs to remove the account all together for falsification information. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX  reported a late payment on my account when I paid them back in XXXX I've paid them every month on time for the last 4 years and they reported late for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX COMMONWEALTH OF PENNSYLVANIA COUNTY OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the Commonwealth of Pennsylvania. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my 10-page attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint with Equifax 2 months ago. CFPB responded back saying the item was removed. My attachment from my credit reports confirms it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 XXXX XXXX XXXX recovered my vehicle due to motor issues and my car not cranking. I contacted SAFCO and asked if thy could postpone my car payment because i had to pay to have the car towed. My next scheduled payment was XX/XX/2018 because they deferred the payment. In between that time i lost my job and could not afford to get the car out of the shop and the mechanic placed a Lien on the vehicle. I didnt know anything about the lien until i received a letter in the mail from the tech. SAFCO then contacted me and i then became verbally abused by the rep and a supervisor stating that " Nobody told me to take a car to a shop '' but if something is wrong with a car where do you take it? They made me feel incompetent and they were very demanding. Even unemployed i tried to pay the car note, insurance and shop fees. XX/XX/2018 I tried to follow up with the tech to set up a payment plan again but was told that SAFCO did not want to pay to get the car and the vehicle now belongs to XXXX XXXX. SAFCO is now reporting the car as 30 days late and as a Profit and loss write-off
Product: Student loan

My student loans were previously held by  XXXX   XXXX , which were eventually sold to  Navient.  I 've always paid online and up until recently I was able to make an extra payment on my loans that was applied THAT MONTH to the outstanding loan principle of my choosing. This was a valuable tool that allowed me to pay off my student loans quicker.  <P/>  Navient  has now suddenly, and without notice,  disabled  this feature from their website. After making repeated calls to find out how to continue with this repayment strategy I was informed this is no longer an option and that a borrower can only make an advance payment on the following month that is due.  <P/> This is a debt trap that ensures borrowers will be paying loans longer they need or want to. There is no listed consumer affairs contact information to register a complaint with, so I am doing it here.  <P/> This debt repayment strategy is key to getting out of debt quicker and to save money over the life of the loan. This deliberate attempt to thwart borrowers from quickly paying of their loans is a shady business practice designed to line the pockets of this company.  <P/> It is my hope that enough complaints will be filed here to force the company to reinstate this option on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this third part consumer reporting agency to request that they security freeze be placed on this TELETRAK report because I was unaware that this company has been supplying false information on my credit worthiness. I am requesting a security freeze be placed on this consumer report that they are supplying to their parent company Equifax and demanding that they forward a complete copy of this consumer report that they have and are furnishing to creditors and its false. 

I contacted this agency on XX/XX/2023 to request that they freeze this account and they refused to do so saying that they were not able to do that and that I would need to call equifax their parent company. Upon trying to do this I was unsuccessful on their website and I need this false information stopped.

I am requesting a copy of my consumer report that TELETRAX has in their system and Im also requesting that they freeze and stop supplying any information to anyone, including Equifax now that I know this is where their getting this false information from and refusing to delete off my consumer credit file.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized items the items were not authorized. 
XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to show negative information on my credit report for an account I previously had with XXXX XXXX However, in a separate complaint I filed on XX/XX/XXXX against XXXX XXXX, No. XXXX, XXXX 's XXXX in a XX/XX/XXXX letter apologizing and admiteding it was their bank 's error that had created the entire problem and critically that I had paid my account timely and in full before ever ia statement on XX/XX/XXXX but my check was posted to an incorrect account. XXXX 's stated they had 'requested the credit reporting agencies update their records to report a XXXX balance, remove the reported delinquencies, and report the acount as " closed by the customer. ' '' See XXXX 's repsonse in XXXX. Transunion has not followed XXXX 's instructions. In a recent telephone call a Transunion representative confirmed the XXXX 's negative information was still on my account.
Product: Debt collection

I received a credit report from XXXX. In said report were reports from Navient. I attempted to dispute the report/alleged account with Navient based on the mailing address being reported. I mailed the dispute via certified mail and was delivered XX/XX/XXXX. The delivery address was not the address listed in the credit report. The credit report reflects incorrect reporting information. Furthermore, I have not received information confirming the alleged account.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my 3rd attempt to dispute the information in my credit file which resulted from an erroneous credit information : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} - previously Late/Closed -- -- -- -- -- -EQUIFAX : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} - XXXX XXXX, Late/Opened XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an FTC report. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I C Systems INC Has reported collection to XXXX on behalf of XXXX in the amount of {$850.00} opened on XX/XX/year>. I never opened an account with this company or have no knowledge of this account related to the information they are reporting to credit bureaus. This is a fraudulent account related to identity theft as I have not authorized, or have knowledge of this account in question. The questionable account number provided by XXXX is XXXX. I am disputing this claim. I have started a dispute with XXXX about this fraudulent account.
Product: Debt collection

I have been getting calls for the last year or so regarding a debt from Western Sky my husband and I took out in XXXX of 2013. I was unaware of the high interest rates on this loan and there came a point to where I could no longer afford to make payments. After getting calls from fraudulent lawyers stating that they were suing me for the debt owed I started doing some research. I was told XXXX different companies had my purchased my debt, when I called all XXXX companies none of them could give me a straight answer as to who now holds my debt and I can make a payment to remove said debt. I got a call this morning from XXXX .... told me that I will be having certified documents sent to my residence and that I had to show XXXX forms of id to receive said documents. I asked if XXXX XXXX XXXX could n't send me a pay off breakdown and a breakdown of my debt. I was sent a settlement letter from XXXX XXXX XXXX a few moments later with the settlement amount for the debt. I asked again for a breakdown of the debt it self and what all the charges were for, I got a voicemail from XXXX stating that he could tell me the amounts over the phone. So I called back and asked for the debt breakdown so that I know this company inst fraud. they would not provide me with this information. So here I am now filing a complaint. I want them to stop harassing me and provide me with the correct information so I can get this debt paid and removed.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its illegal obligation under the fair credit reporting act FCR a to conduct a reasonable re-investigation of disputed information on my credit report leaving it in accurate or unverifiable account on resolve the consumer financial protection bureau CFPB has recently started a lawsuit against experience Alleging, systematic issues such as feeling to forward consumer provided evidence of furnishers acceptable unreliable responses, and fail to accurately notify the consumer of dispute outcome these failures align with my experience where experience 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 experience in action, violates federal law in my life at the consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been reaching out for months now because i see inaccurate information being reporting on my credit report. each credit bureau reports diffrent data which is proof that they are not 100 % accurate in their reporting. 
XXXX XXXX XXXX each bureau reports a different date of last activity XXXX XXXX XXXX You have the wrong date of last activity XXXX XXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX remove due to inaccuracy - I never paid late XXXX XXXX XXXX Each bureau has different info in the historical payment data this is inaccurate and all lates need to be removed XXXX XXXX XXXX XXXXXXXX Please remove this late payment because its inaccurate and pulling down my credit score! 

XXXX XXXX XXXX XXXXXXXX Wrong date of last payment
Product: Checking or savings account

XXXX XXXX was deposited unauthorized access to my account taking all my money tried calling direct express customer service can't talk to an individual all automated
Product: Credit reporting or other personal consumer reports

I do not have any products from these companies, so l would like for these inquiries to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WANT THE CFPB TO PUBLISH THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the BANKRUPTCY account # XXXX with XXXX  on XXXX, XX/XX/2020 and XX/XX/2020 and asked for a description of reasonable procedures used to verify this alleged account. XXXX  continues to respond that the account is verified and the information is certified by LEXISNEXIS RISK  XXXX XXXX XXXX. 

The account numbers reported through XXXX  as XXXX do NOT match the account number being reported on LEXISNEXIS BANKO REPORT case # XXXX which reports a BANKRUPTCY CASE NUMBER as XXXX. 

This alleged Bankruptcy account was also disputed to LEXISNEXIS CONSUMER CENTER on XX/XX/2020 and XX/XX/XXXX ( as instructed by XXXX  on their responses and dispute results ) and a request for reasonable procedures for verification of this alleged account. LEXISNEXIS continues to report this alleged Bankruptcy and they have FAILED to provide me with their reasonable procedures though they have been requested on the above-listed occasions and also today XX/XX/2020. 

As a simple consumer, I can not quite understand how one consumer reporting agency, in this case, XXXX, can simply get the account verified by another consumer reporting agency, in this case, LEXISNEXIS, without any actual proof. 

I know for sure that LEXISNEXIS failure to provide reasonable procedures used to verify this alleged Bankruptcy account is a violation of the Fair Credit Reporting Act. 

I also know for sure that the account number ( file number ) that XXXX  is reporting is false and is also a violation of the FCRA. 

I sent a letter to the US BANKRUPTCY COURT in XXXX, NH on XX/XX/2020 and they have provided me with confirmation that they do NOT supply information to credit reporting agencies, letter postmarked on XX/XX/2020. 

There are several violations of the FCRA in this case and anything but permanent deletion from my credit profiles would be a violation of my civil rights.
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. 

TransUnion Addresses : XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX Employer : XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Name : XXXXXXXX XXXX XXXXXXXX XXXX Employer : XXXXXXXX XXXX XXXX XXXX XXXXXXXX KS XXXX Addresses : XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX FL XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX, KS XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Inquiry : XXXX XX/XX/XXXX
Product: Debt collection

Lending club bank is still reporting and trying to collect of this debt not owed even though it has already been discharged during bankruptcy
Product: Bank account or service

I have a checking account with SunTrust bank. The last transaction that I made personally was a {$400.00} deposit in XXXX of XXXX. My statement ending XXXX XXXX, XXXX shows I have a balance of {$550.00}. I have made no transactions since. In XXXX XXXX I received a letter in the mail from SunTrust stating a deposit was made to my account in the amount of {$1400.00} and the letter informed me that {$800.00} of the deposit was not available for withdrawal. I made no such deposit. I went online and checked my account and found my account was overdrawn. I saw several transactions that were not mine and I immediately contacted SunTrust fraud to report this to them. 

During their investigation Suntrust found out that one deposit of {$1400.00} was posted to my account in error and they reversed this deposit. Suntrust credited my acount for {$4.00} which was the amount of the first fraudulent withdrawal from my account. The final fraudulent transaction was a debit of {$940.00}. Suntrust sent me a copy of this. It is what appears to be a cancelled XXXX XXXX XXXX check dated XXXX from someones account in Virginia. 

Today I received a letter from Suntrust Fraud that they are denying my case. 

I have all of my ATM cards which I have never used and all of my statements so I do not think someone stole a statement out of my mailbox. I have all of my checks as well. 
I really do not understand how this can happen. Suntrust Bank allowed a cancelled check from another bank that is dated cancelled XXXX to be used to withdraw {$940.00} from my account and Suntrust concluded that no error occurred.
Product: Consumer Loan

Portfolio Recovery services, reports in accurate reporting dates and amounts. The date of the initial collection was XX/XX/XXXX-XX/XX/XXXX and is around {$200.00} dollars. I paid several times on the account and it has an inflated rate of almost {$360.00} dollars and an opened date of XX/XX/XXXX. This account is 7 years old or pretty dang close. The account number is XXXX
Product: Checking or savings account

In XXXX, I went to close my student bank account and I had opened up a new account because I was not attending XXXX XXXX XXXX XXXX I was told to leave the student account at {$0.00} for 30 days. Following the representatives steps I left the account a {$0.00} and opened up a new account with Wells Fargo. A month later I noticed my credit was beginning to fall because the account that was suppose to be at {$0.00} now had charges that ended up going as high as {$900.00} + dollars. 
Not soon after I lost my job and this put me in the worst position of my life. I still have not recovered completely as I had this bank account that was suppose to close out and did not. My credit declined so fast, I was unable to take additional funding out, I could not purchase a vehicle and so on .... This particular student account was the first problem that cause so many more. I am begging for some capital to help me get back on the right track. This has also caused me not to pursue jobs as it got worse. 

Hopefully Wells Fargo could do right by me as this messed my career up for years. 

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

On XX/XX/XXXX, I was reviewing my consumer report and noticed that bankruptcies were reported on my consumer reports. Each of the consumer reporting agencies will claim they have a right to report this information based on the fact they received the information from a XXXX party and not the original source of the information. Under the privacy act of XXXX, the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. The bankruptcy courts don't report any of this information they are the original furnishers of this information in which it is to be verified with. This is not being done and fraud is being committed every time they steal this information and report it.
Product: Credit card

My wife & I each applied in late XXXX XXXX for a credit card from XXXX XXXX & Barclays Bank based on an email promotion for XXXX bonus miles. We each met the requirements, spending limits, and full payment on account, but, as of XXXX XXXX, no bonus miles.