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

Subject : Urgent Complaint Against Equifax for Unwarranted Fraud Alert on Credit Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding a fraudulent alert on my credit report. Despite never authorizing such an alert, it has severely impacted my ability to access credit and secure funding. Regrettably, numerous attempts to rectify this issue directly with Equifax have been met with refusal, even after submitting necessary identification documents for removal. 

The unauthorized fraud alert has hindered my ability to run my credit and apply for essential funding, resulting in immediate denials. This unwarranted obstruction has caused undue financial distress and inconvenience. 

I implore the CFPB to intervene and ensure that Equifax promptly removes the fraudulent alert from my credit report. Your assistance in resolving this matter is greatly appreciated. 

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

My information was used without my consent.
Product: Consumer Loan

I purchased a vehicle on XXXX from XXXX and I was approved twice through American Credit Acceptance. Now I am receiving a call from XXXX stating that I need to return the vehicle because they could not verify my income. I have been working XXXX for 13+ years and its not hard to find out. I received another call that stated that ACA was not going to finance the vehicle now. My question is why was I approved not once but XXXX in one day and now all of a sudden after I have had the car for 13 days they are declining my approval? I called the company that is in my contract for approving my car laon and they do n't even have me in there system with a name or anything pertaining to the car I received. XXXX is n't telling me anything but bring the car back and they ca n't even give me answers as to why this is happening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that 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 my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law.

When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them.

You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ).

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

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. '' | request that you do this immediately.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 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 that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted. 

XXXX XXXX XXXX Account number XXXX XXXX Account number XXXX Provide me Physical Proof of your Verification All the names of people you have contacted All addresses that are related to them and phone numbers that way I can do my own follow up What methods did you use to verify the accuracy of these accounts
Product: Checking or savings account

I lost my ID and credit card in XX/XX/2023. In XXXX, I have received notice about a number of attempts to open accounts in my name. XXXX XXXX and XXXX XXXX contacted me and I confirmed it was a fraudulent attempt. Capital One shows on my XXXX XXXX account and I did not request this.
Product: Checking or savings account

The bank is trying to get fees out of me by eliminating pending transactions a day after I charged my debit card. I made an external transfer into the account to cover the balance BEFORE the fee was even charged. I made a charge on XX/XX/XXXX and it was pending all day on Tuesday XX/XX/XXXX. On Wednesday morning I noticed my account was overdrawn and I made a transfer to more than cover the amount of XXXX and the bank still charged me {$35.00}. As of Wednesday morning there are still pending transactions which would make the posted balance a positive balance. Fees are charged once the posted balance reaches XXXX.
Product: Checking or savings account

I received a promotion in the mail from Citi in or around XX/XX/XXXX. The offer states, " you can earn {$400.00} with a {$15000.00} qualifying deposit '' with additional terms including " {$15000.00} must be maintained for 60 consecutive calendar days following the date of the qualifying deposit '' and " The cash bonus will be credited to your new Eligible Checking Account within 90 calendar days from the date you complete all required activities. '' On XX/XX/XXXX, I went to the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX with the explicit intention to speak with an informed banker and to be made fully-aware of all " required activities '' and/or additional fine print. I spoke with XXXX ( or XXXX ) XXXX after asking to speak with an appropriate person. I opened a regular checking and savings accounts and made a {$15000.00} deposit in the checking account. I directly told XXXX XXXX that I would be following up with him as this was simply my trial of a notorious bank that is often receiving fines for banking violations. This was my test run to see how honest or dishonest was the bank as well as how responsible or irresponsible were the employees. 
On XX/XX/XXXX, I contacted XXXXXXXX XXXX via email and telephone. Over the phone, I inquired about my checking account and specifically the {$400.00} cash bonus. XXXX informed me that process required 90 day and that the credit would appear in my account in the next billing cycle, around the beginning of XXXX. This was initially alarming to me since the promotion said " within 90 days '' and I had directly and explicitly asked XXXX XXXX about the exact timeline before opening the account and depositing the appropriate amount. These were the initial indications of elusive behavior, evading responsibility for inaccurate information, and denial of generating a misunderstanding. Another concern was the necessity to give advance notice to requesting my account be closed. 
On XX/XX/XXXX, I contacted the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX to arrange my account to be closed. When I ask about my checking account, it was made aware to me that the {$400.00} had not been credited to my account. My intention was to close the account with the assumption that the promotion had been honored. I contact XXXX XXXX at the Citi Bank branch at XXXX XXXX XXXX XXXX, Washington, DC XXXX, yet I once again heard a repeat of elusiveness, evasion of responsibility, and flat denial of any fault. I gave XXXX XXXX another chance to resolve this issue, but was also provided his managers information in the event that this issue is not promptly resolved. XXXX XXXX  claims that he is not the bad apple and not at any fault, which inclines me to believe that this practice of deceptive promotions is systemic. 
I spoke again with XXXX XXXX on XX/XX/XXXX after receiving a voicemail the previous day. XXXX has claimed to have escalated the issue to his manager, but I am suspect since he uses the terms " manager '' and " covering manager '' while avoiding any blame or responsibility for his own actions.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Customer Service at XXXX. The woman said that she could not see what the charge I was disputing, only that I had fees for non payment. I explained that I should have a {$0.00} balance because, I was unaware of any purchase that was overdue. I rarely have ever used this credit card. The one thing that I did buy in XXXX of 2024 was a printer, which I returned within days. When I returned it, the girl at the customer service desk at the store verified that this would clear my balance.

The rep on the phone was from another country and she and I had a difficult time understanding each other. After a while of unsuccessful communication, I hung up, and called " Billing ''. If anything else was purchased on my card, I told him that it was fraud. He, then, said he would report it. I also asked
that my credit card be closed, as I had no desire to continue with XXXX XXXX credit card. I also asked for a paper statement.

Since then, my credit card is closed. I have never received a paper statement, though.

Today, XX/XX/XXXX, I called XXXX XXXX XXXX  Billing Department, and did not get through to anyone, but did find out my request was granted and I no longer have an account with XXXX via XXXX. 
I respectfully request that my credit score be corrected.

Thank you in advance.
Product: Debt collection

There is a collection which is unknown to me and I do not owe any medical bills, again I have disputed with no validation or evidence was sent to me please help me
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

i am here as a student from XXXX, applied for a credit card to bank of america, i got approved credit card for XXXX , then later my wife came from XXXX, we had a XXXX baby here, my car was stolen in XXXX filed police file, and faced extreme financial hardship due to this again i have sent my wife to XXXX with baby. that time i was unemployed. but i got job now am a XXXX in XXXX. my credit card was closed bank of america is about to collect money through third party. then i started paying minimum balance is around 700 $ and i told them i will make clear this payment once i have monthly pay salary as check. here the problem is bank of america and XXXX making me face more troubles here in USA.i am not getting any credit cards from any banks due to these issues.every one have financial hardship in their life, we believe in XXXX, we trust in XXXX, but here people are not believing human beings.
Product: Credit reporting or other personal consumer reports

Ive been dealing with this issue for almost a year now and Ive been given the run around the entire time. Ive sent four different applications for fraud and identity theft XXXX. I have also sent multiple times proof of residency and my SS #, Drivers license, police report, renters insurance, ledger etc. Nothing has been done, just continually denied. I called a week ago and was told it was in discharge, then I called today and was told it was denied. The lady had an attitude for no reason, so I decided to call back so I could speak to someone else and then was told its in a review then moments later in denied and then she sat in silence when I cried asking what else is it did they need because I depressed because of this. I requested to speak to a supervisor and was told they would have to put in a request for that. Huh? Someone called me back and had the nastiest attitude towards me. She honestly sounded as if she wasn't concerned with helping me. The next step is to try and find a way to get an attorney to help me with all this.
Product: Credit reporting or other personal consumer reports

Today, I discovered unauthorized inquiries on my credit report, and I have no clue why. I check my report regularly, but these discrepancies appeared suddenly. I tried refreshing my browser, thinking it was a glitch, but the problem persisted. I am beyond frustrated and request a thorough review of the documents I sent so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible.
Product: Credit card or prepaid card

My car was broken into on XX/XX/XXXX - multiple items were stolen ( my cell phone, PayPal World Mastercard credit card ( Synchrony ), car registration, and my driver 's license, my brother 's wallet with multiple cards, and his key fob with house keys. It was stolen first thing in the morning and I reported my credit card as stolen as soon as was feasible, given that my phone was stolen and I could not find the correct phone number and i could not do it online because my I needed to get a text message sent to my phone. I finally found the number to report my card stolen and it did not direct me to a live representative, just voice prompts. Once I went through the prompts, the system told me that a new card would be shipped out to me. It never forwarded me to speak with a live representative and no representative ever followed up with me to ask about potential fraudulent charges. I filed a police report online, given that XXXX Police Department did not show up at the scene ( Report Number XXXX ). During that time, I was finally able to log in to my account and because the data wasbeing trasnferred to a different card number, my balance showed {$0.00} on PayPal Mastercard website. On XX/XX/XXXX I logged into my account again and realized that the thieves used my card for 3 separate transactions on XX/XX/XXXX ( I assume between when my card was stolen ( estimated XXXX XXXX and when I finally was able to report my card stolen approximately XXXX ). My replacement card arrived on XX/XX/XXXX and I logged into my account again. I noticed that there were 3 separate transactions completed by the thief/thieves at XXXX XXXX XXXX XXXX CA for the following amounts : {$340.00}, {$100.00}, {$4.00}. I called PayPal/Synchrony and the customer service rep was confused as to why no one had called me to confirm any fraudulent transactions when I reported my card on XX/XX/XXXX. She stated that the fraud department would " investigate '' my claim of fraud. I provided them the number for my police report. I called again to follow-up ( can't remember the exact date but I can look for it if needed ) and the representative told me that the dispute has been started and that they have 60 calendar dated to complete their " investigation. '' I recevied a letter today from Synchrony/PayPal mastercard congratulating me that they found " no fraud '' on my account. I took as many steps as I could to report it in a timely manner and PayPal/Synchrony does not have an actual number to connect directly to a rep for stolen cards nor do they follow up in a timely manner. I plan on submitting this complaint to the FTC and the XXXX. I would like for these disputed transactions to be removed from my account. My police report clearly states all of the things that were stolen from my vehicle. I was already victimized once - and now Synchrony/Paypal is making me pay for the thieves purchases. They should have identified that I never make large transactions at drug stores like that and, rarely ever make any transactions at those places.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continuously contacting Credit Bureau regarding erroneously reporting information* on my credit report which they are knowingly and willingly refusing to remove. 

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

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Debt collection

Security Credit Services continues to send me a printout of a bill or itemized document as debt validation. As per the FTC opinion letter from Attorney XXXXXXXX XXXX XXXXXXXX, a printout of a bill or itemized document does not constitute verification. This company can not provide me any documents bearing my signature showing I have a legal binding contractual obligation to their company. I did not give permission under the FCRA, FDCPA, or congress law for them to report this account against me while violating my rights under the law. This account needs to be removed immediately from my credit from all credit bureaus. I have consulted with attorneys, the Attorney Generals Office, CFPB and XXXX  on this issue. Security Credit Services has 30 days to delete the accounts in violation before I sue for violations.
Product: Student loan

I was notified XX/XX/2020 that I was behind on my loan payment with Heartland ECSI, which was in deferment prior to this. Although I had requested paperless/ email notifications, I was not sent an email notification at all. I called immediately and was prompted to make an online payment -- which I did on XX/XX/2020, this set up a recurring payment for XX/XX/2020 for the full amount due. I was told that this would cover the payments missed and prevent a report of delinquency to the credit bureau. Unfortunately, Heartland ECSI did in fact report this as a delinquency to the credit bureau. I called again, and inquired why this occurred, as I was told that the payment was made in time to avoid this credit issue. The representative I spoke with said that if I had made a One Time Payment on the day that I initiated the payment, it would have avoided the credit issue completely ; however since I was instructed to create a recurring payment ( that didn't go through until the 1st of the month, XX/XX/2020 ), this caused the payment to be a few days too late to avoid the credit reporting issue. This representative apologized for the misinformation from the previous representative, and she then informed me that I could take action to correct this issue and remove the delinquent notice on my credit. The representative sent me forms to apply for a forbearance. She said that this would resolve the issue and completely eliminate the delinquency on my credit. I filed for the forbearance as I was instructed and it was successfully applied to my account. Once the forbearance was active however, I noticed that the delinquency notice was still showing on my credit and my credit score was still significantly lower than prior to this notice. I called once again to Heartland ECSI, and inquired on why this was the case. The representative I spoke with stated that the previous representative was incorrect in the information she relayed to me regarding the forbearance. The representative said they could see the notes from that conversation, and he stated that a forbearance would have been able to resolve the credit issue if I did not make a payment at that time to cover the missed payments. He apologized for the misinformation that I had now received multiple times, and he said there was nothing they could do. My credit score went from XXXX to XXXX ( from the credit sources I checked ), and I now had a forbearance on my account due to the constant misinformation and lack of communication from Heartland ECSI. I would greatly appreciate if this issue could be resolved and corrected on my credit, as I was misguided by the incorrect information provided to me by Heartland ECSI.