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

I am writing to file a formal complaint against Experian for numerous willful violations related to the reporting of hard inquiries on my credit report. The inaccuracies, unauthorized disclosures, and potential identity theft not only breach the Fair Credit Reporting Act ( FCRA ), Consumer Credit Protection Act ( CCPA ), and Privacy Act but also implicate more severe criminal activities such as identity theft and securities fraud. 

Inaccurate Reporting of Hard Inquiries : Experian has inaccurately reported numerous hard inquiries on my credit report, leading to a poor FICO score. These inaccuracies and unauthorized disclosures of private information have made it challenging for me to apply for consumer credit, as many of these inquiries, often resulting in denials, do not belong on my report.

Violations of FCRA, CCPA, and Privacy Act : The unauthorized reporting of hard inquiries constitutes clear violations of FCRA, CCPA, and the Privacy Act ( 15 USC 1681, 5 USC 552a ). The inclusion of inaccurate and unauthorized information on my credit report jeopardizes my financial standing and violates my rights as a consumer.

Identity Theft and Fraudulent Activities : The inclusion of unauthorized hard inquiries on my credit report may constitute identity theft, particularly if these inquiries were not initiated by me. Moreover, the potential fraudulent activities extend to the violation of XXXX XXXX, which relates to identity theft in Arizona. 
Securities Fraud : Furthermore, the unauthorized use of my signed credit applications, even if denied, as a means to profit by selling personal information on the secondary market constitutes securities fraud. This is a serious offense, punishable by felony charges.

I am deeply concerned about the potential harm these inaccuracies and unauthorized disclosures may have on my credit standing, and I believe the situation goes beyond simple reporting errors. Therefore, I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take immediate actions to rectify the inaccuracies and address the potential identity theft and fraudulent activities. 

Enclosed with this letter, you will find supporting documentation, including proof of the inaccuracies, relevant legal provisions ( FCRA, CCPA, Privacy Act, XXXX XXXX ), and details about the potential identity theft and securities fraud. I trust that the Consumer Financial Protection Bureau will address this complaint expeditiously and ensure the accuracy and fairness of my credit report, as well as take appropriate actions to investigate potential criminal activities. 

Thank you for your attention to this matter, and I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Re : Complaint Against Equifax for Failure to Remove Fraudulent XXXX  XXXX Account Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Equifax for failing to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to verify that a fraudulent XXXX XXXX credit card account appeared on my credit report due to identity theft, Equifax has failed to properly investigate, delete, and block this account. 
Details of the Violations XXXX. Failure to Remove Fraudulent Information Under 15 U.S.C. 1681c-2, I submitted all required documentation to Equifax, including an identity theft report, proof of identity, and a formal dispute. Equifax has failed to remove the fraudulent XXXX XXXX account, despite clear obligations under the FCRA. 

XXXX. Inconsistency in Processing Disputes On XX/XX/year>, I called Equifax to obtain an updated status on my dispute, case number XXXX. During this call : I was provided with confirmation numbers for the deleted XXXX XXXX inquiry : XXXX. 
I was also given confirmation that the XXXX XXXX account was deleted : XXXX. 
On XX/XX/year>, I followed up with Equifax to confirm that all updates were processed correctly, referencing case number XXXX. During this call : The fraud department supervisor informed me that the XXXX XXXX account was not deleted. 
I was also told that on XX/XX/year>, an additional dispute order had been submitted on my behalf. 
When I inquired why I had not received correspondence verifying the fraudulent XXXX XXXX account, the representative stated that they could not explain how the account had been verified or processed. 

This lack of transparency demonstrates that Equifax has not properly investigated the fraudulent account, which violates 15 U.S.C. 1681i ( a ) ( 1 ), requiring credit reporting agencies to conduct a reasonable investigation. To delete the XXXX XXXX inquiry but fail to delete the fraudulent account itself reflects an incomplete and negligent investigation. 

XXXX. Failure to Ensure Consistency Across Credit Reporting Agencies XXXX and XXXX have both investigated and deleted the fraudulent XXXX  XXXX account from my credit report. Equifaxs failure to reflect this update violates 15 U.S.C. 1681i ( a ) ( 5 ) ( C ), which mandates that updated and accurate information must be consistent across all credit reporting agencies. 

XXXX. Failure to Maintain Accuracy The FCRA requires credit reporting agencies to report information with maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). Equifaxs continued reporting of this fraudulent accountdespite clear evidence of identity theft and confirmations from other credit bureausshows clear disregard for this statutory obligation.

Impact of Equifaxs Actions Equifaxs repeated failures have caused significant harm to my credit profile and financial standing. The delays, lack of transparency, and failure to comply with federal law are unacceptable and have caused unnecessary stress.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting closed dates incorrectly on experian, XXXX and XXXX On XXXX it is reporting as XX/XX/year> on XXXX XXXX it is reporting as XX/XX/year>. I have sent letters and also contacted them about this inaccuracy with no response. I am wanting this to be removed from all my reports.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding the recent attempt to rectify the late open accounts associated with Credit Bureaus. This is the second time I am addressing this issue, and I am disappointed that the problem remains unresolved. 

I initially contacted your company to report several discrepancies in my account statement. These discrepancies primarily revolved around accounts that were inaccurately marked as late, despite my consistent and timely payments. After a lengthy exchange of emails and phone calls with your customer service department, I was assured that the matter would be investigated, and the inaccuracies would be corrected promptly. 

Unfortunately, despite the assurances I received during our previous correspondence, I find myself in a similar situation. My most recent account statement, continues to show late open accounts that have not been rectified. This is not only frustrating but also damaging to my credit score and overall financial well-being. 

I have attached copies of my previous correspondences with your company, as well as the account statements that clearly demonstrate the ongoing issue. It is essential to reiterate that these discrepancies are not a result of any negligence on my part, but rather an error on the part of your company 's accounting department. 

I request that you take immediate action to investigate and correct the inaccuracies in my account statement. I understand that errors can occur, but it is crucial that they are rectified promptly and effectively to ensure the accuracy of my financial records and the integrity of my credit report. Additionally, I kindly request that you provide me with a written confirmation once the corrections have been made. 

Furthermore, I would appreciate an explanation of the steps your company is taking to prevent such errors from occurring in the future. Timely and accurate account statements are vital for maintaining customer trust and satisfaction. 

If this matter is not addressed promptly and resolved to my satisfaction, I may have no choice but to escalate my complaint to the relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for tour immediate assistance to correct the following late open accounts : XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance : {$9900.00}.
Product: Checking or savings account

On XX/XX/XXXX, my Venmo account was frozen after I submitted a payment to my stepfather for a car, I was told to submit documents to prove I was who I say I am. I submitted the documents but then, later on, received an email saying my account was permanently deactivated! I texted Venmo over and over asking why my account was deactivated, I was told that my funds were being held for 180 for loss prevention services! Why would my funds be held for 180 days!! Here it is going on XXXX and my account is still locked and my funds are still being held, I would like to come through you guys as a final step before suing Venmo and receiving my money, Please help me with this as it caused me very hard times since then, I haven't been able to recover and handle my bills on time which has caused so much stress on me, I've even had to go to the doctor!
Product: Credit card

I have several charges on my Bank of America Credit card. We were out of town for my husband 's XXXX XXXXXXXX during the time these charges were made. I submitted the hospital charges and dates to verify that we were not even in the town where these charges were made. They have denied reimbursing my account. This is not a card we use. 
They mailed new cards to use that we did not receive, and I told the B of A representative that our mailboxes are broken into periodically. He said that most likely they were intercepted, yet the claim has been denied.\ My husband and I live alone and no one else can access our banking information. We are deeply disturbed by this decision.
Product: Credit card

In XX/XX/2023, my XXXX XXXX 's business credit card from Chase Bank was unexpectedly closed. The reasons provided were a history of poor credit performance with Chase and the total balance on my credit accounts with them. This situation arose following the closure of XXXX XXXX, where I was the senior pastor, on XX/XX/2023. The closure was due to a violation of the building lease contract by some church members. During this period, I incurred a {$1500.00} legal expense, charged to XXXX XXXX 's credit card, for dissolving properly the church as a non-profit organization. Unfortunately, this amount remained unpaid after XXXX XXXX closed its checking account and ceased operations. Believing this to be a business-related expense, I chose not to personally settle this debt. I have reached out multiple times to Chase to explain the unique circumstances surrounding the XXXX XXXX 's debt, and Chase took notes each time. Subsequently, I joined XXXX XXXX and was issued a credit card there, with no previous credit issues. Despite this, Chase Bank closed my credit card with XXXX XXXX and potentially reported negatively on my credit history. After a former member of XXXX XXXX learned of this impact on my credit, they offered to pay off the debt, and they did on XX/XX/2023. Yet, my subsequent attempt to obtain a new credit card for XXXX XXXX was denied. Currently, I am without a business credit card for my daily responsibilities at XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I attended XXXX XXXX XXXX for 4yrs and was told that they was closing down because of fraud. All the students that attended was to get a refund because of this a d loan forgiveness.
Product: Debt collection

Had an extended warranty through XXXX XXXX XXXX and requested service when oven quit working properly in XXXX of 2024. Paid deductible and Technician came out to inspect and determined parts needed to be ordered. They stated parts were to delivered to the home. By XX/XX/year> only XXXX part had been received so we cancelled the service request and purchased a new oven. Someone called at some point inquiring about the parts and was told again we only received the XXXX part and they asked that it be left on the porch for pick up, which we did. The company should have records where we called in several times inquiring about when the oven would be fixed prior to us cancelling after approx XXXX  months. We also called in XX/XX/year> when we received a demand letter from XXXX. Now this has been turned over to collections! I paid the warranty fee every month for XXXX  months and a deductible for the service but never received a completed service. So why would I owe additional money.
Product: Credit reporting or other personal consumer reports

I was deeply upset to find unauthorized inquiries on my credit report this morning, and I have no idea how they got there. I check my report regularly, but this time there were issues that appeared out of nowhere. I refreshed my browser, hoping it was a glitch, but the inquiries remained. Im really frustrated and asking that the documents I've submitted be reviewed carefully, so I no longer have to deal with this.
Product: Credit reporting

I 'm a XXXX year old male, I applied to live at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX Prior to applying I short sold my, home, so my credit reports, FICO score was very low, in the XXXX range. Now keep in mind, prior to applying, I lived in my home for XXXX years, now bankrupties, eviction, criminal record, and after the sale of my home I am DEBT FREE. 
But because of a low FICO SCORE, I was declined residency in XXXX XXXX XXXX. 
I call this DISCRIMINATION BY FICO SCORE. But lets call it what it really is and will become known as, DEATH BY FICO SCORE. 
Remember when HMO 's were not treating there patients, and many died, that was known as DEATH BY HMO, well this is the next to come " DEATH BY FICO SCORE. '' YOU MUST DO EVERYTHING IN YOUR POWER TO STOP THIS WAVE FROM HAPPENING. 
The private sector, is putting billions in advertisements to give the FICO SCORING SYSTEM more VALUE in OUR lives, SO WHATS NEXT?? 
You what to take a vacation, SORRY YOUR FICO SCORE IS TO LOW, YOU CA N'T LEAVE THE STATE. You want to go to a restaurant SORRY YOUR FICO SCORE IS TO LOW, AND ON AND ON. 
You must fight with all you power to ABOLISH THE FICO SCORING SYSTEM, XXXX IS THE COMPANY, THEY ARE ABOVE THE LAW, AND CHANGE THE RULES OF HOW FICO IS SCORED, FIGHT TO ABOLISH IT NOW Thank you.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXXXXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Got XXXX unauthorized transactions from Bank of America debit card through XXXX  : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. 

Bank of America refunds me with the first one but marked the other two claims as " claim not paid '' reported to both the FDIC and the identitytheft department
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX XXXX  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 the months that I was 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report.

The 7 companies are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

After 7 years of me paying my taxes directly to the city XXXX NJ Chase decided to pay the taxes on my behalf therefore creating at XXXX plus escrow shortage thus leading to a XXXX increase in my monthly mortgage payment.  While Chase "investigated" the issue they recommended that they temporarily suspend my auto debit. I agreed.  I was told to make a manual payment.  I went online to make the manual payment and my account presented that I was still enrolled in auto pay therefore I did not make the payment for risk of being charged XXXX at the higher amount. 30 days later I was told I was delinquent. Chase will not amend the reporting. They say that despite representing no change (i.e. still enrolled) in my auto pay status online I still needed to make a manual payment and that I should have called them once I saw the online status.  At no point did anyone in customer service disclose to me that the temporary auto pay suspension would NOT be reflected online and that I should make a payment regardless of the online auto pay status.  I now have a mortgage delinquency reflected on my credit report.  Chase refuses to make an amendment even though this issue was caused by their erroneous payment of my taxes (which has been reversed) and failure to disclose the auto pay suspension status on my account online. It is my belief that Chase paid my taxes knowing that it would create a XXXX escrow deficit which for many would have resulted in foreclosure.   It wasn't until I spoke to multiple customer service reps in their tax department and weeks of investigating the issues was it ultimately resolved.  Nevertheless, they still refuse to change my credit reporting status because my auto pay was merely "suspended" and not "canceled", even though neither was reflected online.
Product: Student loan

I would like to submit a formal complaint about the online forms associated with ACS loan servicer. I am currently attending school in XXXX, XXXX and in doing so I have a XXXX address, bank account, and phone number. ACS does not allow for the option to have a foreign address in your personal information when filling out the In-School deferment forms, although they do allow you to enter a foreign address when entering your personal information in the " update address '' section. They also do not allow you to enter a foreign phone number and do not allow the option of simply not entering a phone number, this means that I have been forced to enter my father 's personal phone number despite the fact that he is in no way involved in my student loan re-payment efforts. As XXXX of thousands of people who are paying exorbitant interest rates to ACS for servicing a federal student loan, I am shocked and appalled that they are not able to accomplish something as simple as creating forms and protocols that work despite your location on the globe. I am also appalled that these loan servicers refuse to accept payments from foreign accounts. Forcing borrowers to pay a foreign transaction fee to transfer money into an american account on top of high interest rates is an undue burden for borrowers and should not be acceptable practice for companies that are making millions of dollars servicing FEDERAL student loans. I hope that you will take steps to correct XXXX of these glaring issues as they are certainly not in line with the globalised world that we are living in today. 
Thank you for your time. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting AcXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any hard inquiry with this company. 
I do not recognize company this was fraud. 
This is fraud.
Product: Mortgage

In XXXX, I became concerned about the housing market and potentially higher interest rates, so I went down to the bank to combine my " interest only/variable interest '' home equity line of credit with my mortgage, into a single loan with a fixed interest rate. The bank President advised me not to do this. In fact, he said interest rates would only continue to go down, but if they began to go up he would know well in advance of it happening in the consumer market and would contact me. He said he would include me on a list of names he kept on his computer, and would contact me if interest rates began to go up. If they went up, I could come into the bank and use my home equity line of credit to combine my loans into XXXX fixed-rate loan. When the housing crunch of XXXX hit, I received a letter from the Bank of America that my line of credit was reduced to nothing. I was now stuck with a XXXX credit card that the bank XXXX had advised me to get, that was getting ready to go from 0 % interest to a high variable rate of interest and a home equity line of credit that I was now unable to refinance into my mortgage with a fixed rate. I immediately went down to the bank to speak to the President that had advised me. I was told that he resigned and that there was nothing they could do to help me. I had to pay off the credit card with high interest. I lost my job in XXXX and have spent the last 14 years paying interest only on my home equity line of credit. My payments on the line of credit are set to go from {$220.00} to {$640.00} in XXXX of XXXX. I have not been able to afford refinancing on my own and the bank refused to help me because of my unstable employment status, even though I always pay my bills on time and have never missed a mortgage or home equity line of credit payment.