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

I am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ). On XXXX. I sent a letter to Equifax requesting an investigation into the completeness and accuracy of the following account : Account Name : XXXX XXXX Account Number : XXXX 1. Despite my request for investigation, Equifax failed to take appropriate action as mandated by the FCRA. Specifically, Equifax neglected to comply with the following provisions : 2. Violation of 15 USC 1681i ( 5 ) : Equifax failed to promptly delete or modify inaccurate or unverifiable information from my credit file, as required by law. Despite the dispute, Equifax affirmed the accuracy of the disputed information without conducting a proper reinvestigation.

3. Violation of 15 USC 1681s-2 : Equifax unlawfully furnished information to consumer reporting agencies, knowing or having reasonable cause to believe that the information provided was inaccurate.

4. Violation of 15 USC 1681i ( 7 ) : Equifax failed to provide me with a description of the reinvestigation procedure within 15 days of my request, as mandated by law. 


1. In light of these violations, I am seeking the following remedies : Prompt deletion of inaccurate information from my credit file. 
Notification to the furnisher of the inaccurate information regarding the modifications made to my credit file. 
A detailed description of the reinvestigation procedure conducted by Equifax. 

I have enclosed copies of all relevant correspondence and documentation related to this matter for your review. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Equifax for their violations of the Fair Credit Reporting Act. 

Thank you for your attention to this matter XXXX XXXX
Product: Checking or savings account

I am a Licensed Public Fiduciary and XXXX XXXX XXXX for an individual who has a checking account at PNC Bank located in Arizona. I attempted to close my client 's account as my XXXX XXXX for XXXX states I have the authority to close any account bearing the name of my client. PNC bank is refusing me to close the account. They are asking for an XXXX XXXX. I have provided the bank with my Recorded Board of Supervisors Resolution granting me the authority as a licensed fiduciary employed by XXXX XXXX Arizona to have signature authority on bank accounts for my clients that I am the Court Appointed Guardian for. 
By preventing me access to my client 's bank account, PNC Bank is preventing me from access to my client funds and therefore I am unable to pay bills for my client or secure housing for him. I requested to close my client 's account on XX/XX/year>. 
Today, XX/XX/XXXX I am told they want the XXXX XXXX. 
I have provided all the documentation that needs to be provided.
Product: Student loan

Mohela owes me {$200.00} for a loan repayment overpayment. Mohela also owes me {$40.00} for a payment it processed but failed to apply to my loan or refund. It is attempting to scam me out of these funds.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Equifax on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Equifax in over 45 days I will be suing Equifax in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXXXXXX  Balance : {$14000.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 


USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Auto Loan Date Opened : XX/XX/XXXXXXXX  Balance : {$7900.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Checking or savings account

I have a case that reveals why identify theft is so rampant -- because it has high reward and low risk. 

My new Wells Fargo XXXX XXXX  was intercepted before getting to me. Approx. {$3000.00} worth of charges were put on my account. After filing a claim with Wells Fargo, they refunded a small portion, but refuse to refund {$1900.00} of fraudulent charges. The reason cited was simply that " the transaction was authorized ''. No other explanation was given. 

I called the XXXX  department 3 times ; each waited one hour and had to give up. I then called up Wells Fargo customer service. The XXXX said she will bring on a XXXX  department staff, but returned with only an explanation for the denial -- XXXX would not refund Wells Fargo on those charges. 

I explained that I never got the card ; customer service rep said they will review this fact.
Product: Credit reporting or other personal consumer reports

I called on numerous occasion to request 1099c the accounts that are charged off/written off and I was told they could not provide that. They have reported it to the IRS as a lost but coming after me. They are committing fraud
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2012. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

I was seen at XXXX  XXXX  XXXX  in 2020 I have a deductible that is due when I see providers before i am pulled to the back with the doctor I was under the impression that the bill was paid for and I was good to go because they allowed me to see the doctor once my visit was complete I checked out and went home just about a month ago i received a letter stating i owe a balance not that it is going to collections so I explained to the agent i have been affected by the pandemic and could not pay anything at the current moment because i was laid off at my company due to the pandemic of covid-19 they basically stated ok and I never heard anything else going forward on XX/XX/2020 I receive a notification my credit report that a debt had been added to my file by transworld systems for the same exact amount I reached out to see why this was done and that was when they informed me of the debt they pretty much told me that they cant do anything it is either I pay it or leave it this has negatively effected my credit report and dropped my score tremendously they are not willing to resolve it with me or delete it from my report if it was to be paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX and XXXX to demand them to remove any bankruptcy information they are report in their data base i have provide information showing that any information pertaining a bankruptcy in their data base. Their company is storing inaccurate information and must be removed immediately, i provide documentation for the courts, stating they do not report any information like that to no company or any credit bureaus. This information is not verified from the actual source, they source has stated the information is not mine and they dont report information to any company, or third parties, or credit bureau agency , this bankruptcy is not verified information from the US court, because I have documentation from the courts stating they havent provide any bankruptcy information attach to me to no company, and no information of me is known in the data base pertaining bankruptcy by them. XXXX XXXX have stated in a certified letter mail to me that I have no information in there data base after addition search and XXXXXXXX XXXX has not verified this bankruptcy with the actual source that l have provided that documentation from the US Court that has stated in in the records, and no information is provide by them of this bankruptcy or information with me. No XXXXXXXX XXXX  and XXXX has not provide this information, Under my FCRA rights its an violation under 15 U.S.C1692g And demanding to be removed immediately from there data bases,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XX/XX/XXXX,XX/XX/XXXX, and Transunion Letters that reported inaccurate information on my credit report, and they have refused to resolve the issue. I have wrote letters for the last 4 months, and there has not been any action taken or investigated. They have reported wrong information on my credit reports, and all three of the credit bureaus are reporting different items.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex-husband and I had two auto loans thru XXXX XXXX XXXX XXXX. One was my stepson 's car that my stepson makes the monthly payment on. It is almost paid off. The other is my ex-husband XXXX XXXX XXXX. We separated XX/XX/XXXX and he has always had possession of the vehicle. Our divorce was final XX/XX/XXXX. The Judge signed the divorce decree and both auto loans at XXXX XXXX XXXX XXXX became the sole responsibility of my ex-husband. XXXX  has removed these from my credit report and TransUnion will not because XXXX XXXX XXXX XXXX will not allow the. To remove it. I have sent the divorce decree to XXXX XXXX XXXX XXXX and to TransUnion. XXXX XXXX XXXX XXXX has told me that my divorce decree does not matter and has no validity on this situation. I do not see how that is possible because a Judge signed and ordered that my ex-husband is solely responsible. Since our separation my ex-husband has been late XXXX and XX/XX/XXXX on his car payment. This is having an adverse effect on my credit. I am considering hiring an attorney and suing XXXX XXXX XXXX XXXX and TransUnion. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account listed on my report that the company that was initially reporting has removed from one bureau but the other two bureaus refuse to remove the incorrect reporting. I have continually asked for verification of the debt but it has repeatedly not been furnished. The name of the company is XXXX XXXX. 

The two bureaus that I am submitting a complaint about are XXXX  and Equifax.
Product: Credit reporting

To whom it may concern, I recently discovered XXXX unauthorized hard credit pulls on my credit reports. XXXX with XXXX and XXXX with Equifax. 

All XXXX requests were made with XXXX XXXX, where I have a longstanding financial relationship but I DID NOT seek credit or authorize a hard pull of my credit reports in these instances. After the credit bureaus summarily dismissed my disputes, I contacted XXXX XXXX, which says they have no record of my applying for credit on these dates. So now I am stuck with these hard inquiries that may or may not be the result of a fraudster using my personal information. 

I have initiated a credit alert to avoid further damage. It may be just an honest mistake at the bureaus, but my credit score is now hurt as a result of these unauthorized credit pulls. I need them removed. XXXX bureaus refuse to do so and will not provide any information as to how they deemed these inquiries to be legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

XXXX XXXX  XXXX Date XXXX Balance : {$220000.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00} ; XXXX XXXX Balance {$0.00} Date Opened : XX/XX/2016 Balance : {$0.00}. 

A copy of my Bank statement/Utility Bill, drivers license, W2, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by 3 credit Bureaus not blocking these accounts is inadvertently resulting in me being extorted.
Product: Student loan

I requested a balance transfer from XXXX XXXX XXXX  to mohela in the amount of {$5800.00} on XX/XX/year>, a check was mailed XX/XX/year> and the check was cashed XX/XX/year>. The payment is missing but hold times are astronomically long 3+ hours to speak to someone. I finally got someone on the line and was given a timeframe of 90 days for resolution with no follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solution XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

Thank You XXXX XXXX
Product: Mortgage

My payments on a loan modification have been getting higher and higher. I am recently divorced the agreement was I keep all the bills and he let me keep the housr with my XXXX young daughters. The house will go to them. I am struggling to make the higher payments i submitted paperwork for refinance help to seterus inc months ago, more than once. Now seterus has sold my loan to XXXX and they are telIing me I have to start all over. I also have a second mortgage with XXXX an equity line of credit that charged me home insurance when I already had it. My payments went up and I am currently behind I pay but not the amount I now owe which has gone up to almost {$2000.00} I am stressed out of my mind. I do n't know what to do anymore. I was told the interest would n't go up anymore yet it 's gone up again.
Product: Credit reporting or other personal consumer reports

I have been consistently ignored by certified mail affidavits too Experian and the other consumer agencies and a creditor about their investigation practices into a matter Ive requested validation of a contractual agreement, proof of assignment and now the account is reported as charged off the 1099c copy and still no substantial evidence or documentation from either party involved in this matter as to how they handled the investigation and what procedures were used in the resolution to find out now on the same date of XXXX the XXXX of 2025 the CFPB has filed a lawsuit on the same day theyve updated the fraudulent information on my consumer account again, and findings that I have so seems like a extortion by collection means by all parties involved.
Product: Checking or savings account

My direct deposit has been held up in capital ones system since Wednesday afternoon. I have payments being returned and bills becoming past due because I do not have access to the funds that are supposed to be in my account. 
Furthermore, I have a credit card payment coming due with a capital one credit card. Customer service REFUSED to do anything at all to prevent a late payment fee or negative credit reporting, stating You must continue to make your minimum payments on time, when they are the ones not allowing me to access my money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was made aware my identity was leaked in a breach including address, name, social and bank account info. I then started to contact said credit bureau and made them aware of the situation and proceeded to dispute. About a month later it came back as accurate which I was then told to file an identity theft report which I did on XX/XX/year>. My ftc report # XXXX. I have only XXXX current address beginning with the number XXXX. all others should be deleted as they are not mine and have been at that address for 5 years. After reviewing my credit report the following accounts are fraudulent need to be deleted/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : nquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Late Payment XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX Employers : XXXX XXXX XXXX : XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting or other personal consumer reports

l, the consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 also please note I am the natural person writing this statement with no help with a XXXX  party. the accounts on my report are inaccurate and needs to be remove XXXX shows a incorrect balance and last date of activity is also inaccurate XXXX XXXX last verfied and date of last activity are also inaccurate. XXXX XXXX date of last activity and date open are inacurrate. 15 USC 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Also 15 USCi ( 5 ) says Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly 15 USC 1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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, credit repair services, or other personal consumer reports

I have been violated as a consumer and human being causing defamation to XXXX and financial livelihood. My rights have been violated continuously with no compassion or honor by the credit bureau. They have violated the law and I under my rights 15 U.S.C 1681. 

EQUIFAX is governed by 15 U.S.C 1681 and they have violated my rights numerous times and I demand the accounts below be removed and NOT UPDATED due to the law. 

According to 15 U.S.C 1681 : I have the right to privacy and I did not give EQUIFAX written permission to furnish these accounts. 15 U.S.C 1681a ( e ) was violated along with 15 U.S.C 1681c and I gave proof of inaccuracy multiple times. 

Accounts : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX
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 XXXX  Account Number : XXXX  Account Name : XXXXXXXX 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.