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

I am writing to file a formal complaint against Equifax regarding their persistent refusal to remove fraudulent accounts from my credit report, despite multiple attempts on my part and submission of all required documentation. As a victim of identity theft since XXXX I am protected under 15 U.S. Code 1681c2 ( FCRA 605B ), which mandates consumer reporting agencies to block information identified by a consumer as resulting from identity theft and to notify the information furnisher accordingly. 
Equifax has failed to comply with these legal obligations by refusing to delete the following fraudulent accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$59000.00} Furthermore, Equifax has repeatedly sent stall letters after I provided all necessary information to verify my identity and the fraudulent nature of these accounts. 
Additionally, there is an incorrect address associated with these fraudulent accounts : Wrong AddressXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have enclosed copies of all documentation previously submitted to Equifax, including identity verification documents, police reports Local and Federal, and all correspondence exchanged with them. Despite these efforts, Equifax has neglected to take appropriate action to rectify this matter. 
I respectfully request that the Consumer Financial Protection Bureau intervene immediately to compel Equifax to comply with federal law by promptly removing and blocking these fraudulent accounts from my credit report. Furthermore, I request an investigation into Equifax 's practices regarding the handling of identity theft disputes to ensure they adhere to regulatory requirements aimed at protecting consumers. 
I appreciate your prompt attention to this serious matter and look forward to a swift resolution. 
Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I certified mailed a letter to this credit bureau to update and correct any incorrect names, birthdays, and addresses from my profile. As of this point they have not removed the names or addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Im XXXX XXXX XXXX and this unfortunate event has led to the destruction of my long worked for great credit. On XX/XX/XXXX of 2022 I slid on ice totaling my XXXX XXXX XXXX limited. I had my loan with BB & T financial. This was my bank for the car. I owed an outstanding balance of {$7900.00} for me vehicle. After breaking my arm and wrist in the accident and needing XXXX, I called my bank on the XXXXXXXX XXXX XXXXXXXX. So did my insurance XXXX to inform them of my car being totaled and that the full payout for the remaining amount would be paid to the within 7-10 days. BB & T was being bought out by TRUIST financial. The worker I spoke to on the phone did not report my car as totaled after informing her so. The most important issue, when XXXX called TRUIST to get the payout address THE WRONG ADRESS WAS PROVIDED BY MY BANK! but I didnt know this because XXXX thought it was correct as it should have been. XXXX would have no reason to think otherwise when asking for such basic information. XXXX sent the check out ASAP, On the XXXXXXXX XXXX  XXXX. The check arrived at its wrong destination on the XXXX. Issue is, IT WAS THE WRONG ADRESS PROVIDED! I was still unaware of this and was contacted about an issue with my car loan. Fast forward to XX/XX/XXXX. 2 months later, i received a statement in the mail, keep in mind this is first time Im informed by my bank that they had not received the check. They said I was late two months payments and now owed them {$700.00}. I swiftly called them to get this sorted out and after a 3 way phone call with them and XXXX we came to the conclusion that XXXX was provided the WRONG payout address by a bank representative and that is what caused the check being mailed to not be received in time. I reached out to BB & T/TRUIST to inform them that the mistake was on their end and now Im in a bad situation unable to get a car loan because of this. They refused to help after I filed the dispute directly with them. Human error was on their end. It deeply saddens me that no one has been able to resolve this matter. The bank did not change my payment to NOT LATE, I was never late for payment on this loan and I can not go my life with this mistake on my credit report. The only further evidence I have to support my end is that XXXX released the documents to me, stating exactly the address that was provided by TRUIST on XX/XX/XXXX and it was incorrect. I also then have the correct address that was provided on the 3 way phone call that day the XXXXXXXX XXXX XXXXXXXX when the full check was RE-ISSUED attached below. Without my diligence this wouldve never been figured out. They can not hold me responsible for a human error on the banks end. Its now affecting my life personally and Im going to have to get a lawyer if I can not find another way to get this fixed. Thanks for your help and please reach out with any questions or need any evidence. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on forbearance since XX/XX/XXXX which lasts until this XX/XX/XXXX My account should have not continued to be reported late
Product: Credit card or prepaid card

I Have tried numerous tries to have a request of increase line of credit. We pay on time every month never have been late. Most of the time pay more than the monthly payment but every time I request the CIL I always get the same response back stating we are no eligible because the monthly payment is not more than amount of the monthly payment. Well I was reviewing their XXXX page reviews on XX/XX/17 and came across one of another consumer thanking them for giving her a credit line increase she mention on her post she was at the limit of her balance and called Capital one for help which at the end they did increase her credit. ( her post on capital one was on XX/XX/17 at XXXX ) I understand her circumstance and glad they were able to help in the time of need. But does n't justify the way they have been treating us and who knows how many other people. I strongly think this is race discrimination, they are not being equal to all consumers. I hate to say it but that 's how we feel. This my second complaint on capital one with you all the first one was a bunch of XXXX response they gave me.
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 XXXX XXXX XXXXXX/XX/year> Dear credit bureaus XXXX XXXX, XXXX, XXXX ) I would like for these unauthorized inquiries to be removed from my credit profile I have no accounts whatsoever attached to the inquiries therefore they shouldnt be hindering my credit report.
Product: Debt collection

The debt I owed was to the original creditor XXXX. In XXXX, I received collection contact call from XXXX, XXXX XXXX XXXX collections agency regarding the debt with XXXX in the amount of {$1900.00}. XXXX offered me a settlement offer in the amount of {$580.00} to be paid in a multiple-part payment arrangement. I agreed to the settlement offer and paid in full all XXXX payments dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The first payment was {$100.00} and the other 4 were in the amount of {$120.00}. Also, XXXX agreed in writing not pursue further collection action for this debt. I received documentation on XX/XX/XXXX from XXXX  collection agency confirming that my account with creditor XXXX was satisfied in full by my payment of {$580.00}. And also, that XXXX, the original creditor was notified of this by XXXX. 

On XX/XX/XXXX, I received a different collection letter in the mail from a different collection agency ERC, Enhanced Recovery for the same debt with the same original creditor XXXX. 

On XX/XX/XXXX, I mailed a detailed letter to ERC explaining the above, along with copies of the documentation I received from XXXX  collection agency validating that this debt had been satisfied as of XX/XX/XXXX, with the above mentioned settlement offer. The documentation I presented to ERC supports and clearly validates that this is the exact same account ( verified by the original creditors XXXX account number ) that they are trying to collect for. And furthermore, that I settled on XX/XX/XXXX, with XXXX  XXXX  XXXX XXXX. 

I have exhausted my options in getting this issue resolved on my own with ERC collections agency. Therefore, I ask for assistance from CFB for a fair resolution of the above matter.
Product: Vehicle loan or lease

Navy Federal Credit Union advertised a New Car Loan rate of 4.74 % for 60 months on their website. Despite having an income and credit rating that is amongst the best in the nation they provided a loan approval with an interest rate of 5.04 % for the same term length that was advertised as 4.74 %. Follow-up phone calls did nothing to fix the situation and they could not provide any reason for not assigning the best loan rate as advertised. This feels like a bait and switch and caused a ding to my credit rating for the application. This practice should not be permitted and should be addressed.
Product: Credit reporting or other personal consumer reports

i was reviewing my credit report and noticed that I had some collections and inquiries that were fraudalent.
Product: Debt collection

I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying " Well if you answered and paid your debt, she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said " Well since you wan na report me, I 'm gon na go ahead and send you to court. We do n't care about a harassment charge. You should just pay us. '' I then hung up and proceeded to report them.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting or other personal consumer reports

I've pulled my credit report and contacted XXXX XXXX the following creditor to settle and pay off the charge from a credit card that was opened in 2013. When I called the numbers listed under the XXXX credit bureaus the creditor advised the account is not active, I was unable to locate the account and provide additional phone numbers and I received the same information, but I was unable to locate the account with the name, social security, original lender, address given. 

I've done my due diligence in multiple attempts getting contacting the creditor over the past months and they are unable to locate the debt. 

I am requesting this creditor be removed off my credit report. 

Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I had a credit card account and checking account with Wells Fargo. The credit card account had a cashback program in which I had built a healthy balance. I never violated the cardmember agreement, yet Wells Fargo chose to close my credit card account. The cashback rewards balance disappeared along with it. This also resulted in damage to my credit score.
Product: Debt collection

XXXX XXXX XXXX. sent me a letter saying i owe {$1000.00}. the account is closed and settled for {$1600.00} and was given for army & air force exchange svc.. creditors acct # XXXX XXXX acct # XXXX
Product: Mortgage

We purchased our home on XX/XX/2020. Caliber home loans INC financed our purchase with a conventional loan. We refinanced about a year later with them again, that refinance has the original purchase square footage correct. 
After the market values increased tremendously in maryland area we decided to refinance again as we did work to our home, and market value increase to remove the mortgage insurance. We made contact with them ( same rep ), on XX/XX/XXXX, and initiated the process. Spoke to XXXX XXXX First thing is, he never mentioned we didnt need to refinance, just have an appraisal and ask for mortgage insurance to be removed ( we were not aware of this at first ). 
It only went worst from there. 
The first appraiser they sent profiled our XXXX  household, and undervalued the property grossly, but had correct square footage. We contested that appraisal, bringing to their attention as to what happened. They sent a second appraiser, and this time, they didnt take away from the market value, but reduced the square footage of our home from the listed square footage that was on sales papers by previous owner, on settlement papers, and the appraiser sent by the caliber home loans INC in order to go to settlement. We then brought it to their attention that the square footage is not correct on last appraisal, and they confirmed by email, that thats the square footage they will now consider. Completely disregarding that we, according to them now, have been paying for fraudulent amount of space according to the settlement papers and their numbers now, or they are finding a different way to have us still continue paying the mortgage insurance by reducing the square footage, and thus the value. They acknowledge the house has been updated, we presented a list of updates in aproximate amount of XXXX. 
By reducing the square footage we are missing the equity by slightly over 3 % less then required to remove the insurance. The 515 square feet would have more then made up for the 3 %. 
This can not be a standard practice!! 
This is blatant fraud
Product: Vehicle loan or lease

It is my belief that I have been overcharged by Lexus of XXXX XXXX XXXX on the lease agreement for the following charges : annual percentage rate, fees, taxes, or other charges. I am also in the belief that Lexus Financial Inc is aware of the XXXX XXXX Lexus Dealership deceptive practices. 

I, XXXX XXXX, leased a XXXX  XXXX XXXX XXXX from your dealership on XX/XX/2021. 

Since the day of the purchase, I have raised some concerns to the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial over my buyers order and lease agreement. It is my argument that the sales manager and/or finance manager has increased some amounts on my lease agreement to generate a $ XXXX monthly payment. They have refused to address my argument that my monthly payments on the lease should be lower. 

In my discussions with the XXXX XXXX dealerships sales manager, finance manager, general sales manager, general manager and Lexus Financial Inc, I questioned them about the following charges on the buyers order and lease agreement, A. The optional item ( nitrogen in the tires ) even after I requested that they remove this charge. The sales manager stated that he could not remove this charge because it was a required charge ; B. Why the finance manager tried to trick me into opting into arbitration after I had opted out ; C. Being charged for additional county sales taxes that are not in the amounts required by state and local law ; D. Being charged an exorbitantly amount for the rent charge and ; E. Stated to me that the money factor was 0.00020, but charged a different rate ; F. They refused to tell or show me how they calculated the amounts shown on the lease agreement by stating that these were Lexus Financial charges that they have nothing to do with. 

It is my belief that the XXXX XXXX XXXX Dealer, General Manager and Lexus Financial have discriminated against me in the leasing of XXXX XXXX XXXX XXXX, based on my race and age. 

I was shown a lease agreement similar to the vehicle I leased ; whereas this individual was given more incentives and paid less taxes and fees on their vehicle. I was told that the XXXXd Lexus dealership had nothing to do with the lease agreements. I was told that Lexus Financial Inc completed the lease agreements. 

In my conversation with Lexus Financial Inc about the information on the lease agreement, I was told that Lexus Financial Inc dont have anything to do with completing the lease agreements from the dealership. It was stated that they only purchase the lease agreements from the various dealers. 

I feel that Lexis Financial Inc and XXXX XXXX Lexus Dealership has violated the FTC, the Truth in Lending Act and the Equal Credit Opportunity Act by misrepresenting the cost of my lease, the fees and taxes charged and charge for the optional nitrogen in the tire.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX  XXXX Balance : {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$310.00} XXXX CREDITXXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I was a victim of a Merchant fraud scam that involved fraudulent actors posing as a friend. This person created a fake social media account, offering a vehicle at an extremely low price. Once the purchase was made, the fraudulent actor, disappeared without delivering the vehicle. The fraudulent actor then proceeded to use my social media account in an attempt to sell the same vehicle. ( I have copies of everything. ) As a result of this action, I paid ccrmliry {$1500.00} for a vehicle that did not exist. Upon realizing I had been scammed, I immediately contacted Chime. I then sent ( USPS ) copies of everything in dispute of the transaction ( in addition to emailing everything ) .Immediately contacting Chime regarding my concerns, my dispute was never addressed. After not hearing anything, I again called and questioned the transaction. It was not my through negligence that this transaction was not addressed in a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries on my credit report due to identity theft and a recent data breach, pursuant to XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ). 
Accounts to Be Blocked and Deleted : 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 XXXXXX/XX/XXXX