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

I am a victim of identity theft and Equifax has ignored my demands per my federal consumer rights to remove incorrect information from my credit report. I have tried to dispute this with Equifax twice now with no avail. 

I sent them an identity theft report from the Federal Trade Commission included with a letter to remove fraudulent information on my credit report on XX/XX/24. They did not update my credit file within XXXX business days as being under dispute, violating 15 U.S. Code 1681i. Then a week later, I filed the same dispute within their online dispute center on EquifaxXXXX, and they still failed to remove the fraudulent XXXX XXXX XXXX and XXXX XXXXXXXX XXXX from my credit report. 

I decided to try again by enforcing my consumer rights under 15 U.S.C. 1681e ( b ) which states consumer information must be reporting correctly across all 3 CRAs, which it is not currently, given that I have these fraudulent accounts on my credit report. 

I mailed this dispute letter on XX/XX/24 and followed up with the same information submitted on their online dispute portal a few days later. They " conducted an investigation '' then closed the dispute and refused to remove the fraudulent XXXX XXXX XXXXXXXX and XXXX XXXXXXXX XXXX from my report, once again. 

I am demanding that they finally remove these two ( 2 ) fraudulenXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX from my consumer report since they have repeatedly continued to violate my federally protected consumer rights even after I have tried to resolve this issue with them multiple times.
Product: Credit reporting or other personal consumer reports

Beginning XXXX 2024 I contacted company after payments fell behind due to XXXX illness. I called them to begin payment the account. They added fees and late charges of {$5300.00} and the agreement was for {$87.00} autopay out of my checking account. About XXXX  months ago my credit score dropped. 
I tried pulling a free report to find out what caused the drop and was not able to tell. Then my credit card company sent me an update regarding a change in my score and the company reporting it. It was company I signed documents and made autopay arrangements with. I has a XXXX and XXXX transplant due to bills falling behind. I have been working on my credit for a year to get it back up to XXXX 's and now without any disregard for laws. The company ruined my credit score. When I called they gave no reason but yes we reported it late. I told them that is against the FCRA of fair reporting practices. They didn't seem to care. I want my credit restored!!! I an livid ....
Product: Credit reporting, credit repair services, 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. 

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 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.

15 U.S.C 1692e 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

15 U.S.C. 1681s-2 ( a ) ( 3 ) 623. Responsibilities of furnishers of information to consumer reporting agencies Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

In addition as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification and they have continuously used itemized documents to " verify '' my debt. Attached to this complaint I have several letters and documents contacting these collection Agencies as well as the credit bureaus to try and attempt to remedy this situation, as well as their responses. I also have a copy of my credit report attached to this with several of the inaccuracies specifically highlighted
Product: Mortgage

Hi, the issue is M & T Bank and XXXX XXXX XXXX XXXX is charging us {$1.00}, XXXX for escrow for taxes and insurance. We don't have to pay property taxes on this property and we have paid out of pocket for home owners insurance. They are making us pay for there insurance. Stating that hazard insurance was a requirement for approval of the loan. 

M & T Bank, bought our loan from XXXX XXXX XXXX XXXX, We tried to fix this mater with them but we found out the the loan was sold to M & T Bank, We called M & T Bank last month to fix the problem before the first payment was due, we found out that the problem was not fixed when we had non-sufficient Funds notice from M & T Bank. I called M & T Bank again to explain the issue with the escrow part of the loan which they said that we had to pay for THERE insurance even when I told them that we have insurance. M & T Bank will not remove the additional XXXX, XXXX payment from our mortgage loan. I then called the VA and asked if this is a requirement and she said no. We can't continue to pay the additional amount? ( Note we do have to pay for garbage ) Can you help
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY AND PHOTO ID TO OPEN THESE ACCOUNTS INMY  NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1000.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Product: Debt collection

I canceled my cell service with XXXX on XX/XX/year>. The continued to invoice me $ XXXX month .. in spite of numerous attempts to stop ... for more than two years I would call the XXXX number and they would tell me..'You have to go into the store to cancel " Then I go into the store and they would say 'You have to call the XXXX number ' It just went round and round... they overcharged me at last {$2500.00}. And no one knew how to make it go away Now to make matters worse ... they sent {$180.00} that wasn't paid on my credit card ... because I don't use their service.. to a collection agency. The collection agency sent me one email that I am aware of ... and didn't I even see.. and filed collection and now they have ruined my 30 year credit score. It dropped XXXX points XXXX shouldn't be allowed to do this to people. It's predatory. 
The collect agency... Amsher Collection Services should make of an attempt to contact the debtors before sending to collection.
Product: Credit reporting, credit repair services, 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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I received notification from your organization asserting that my personal information was linked to copyright infringement activities. However, after a thorough review of the provided details, I wish to contest the accuracy and validity of this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, AMEX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX add a hard inquiry on my credit report per XX/XX/XXXX. 
On XX/XX/2020, XX/XX/XXXX-XXXX XXXXXXXX XXXX  add a hard inquiry on my credit report per XX/XX/XXXX . 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax admittedly sent out millions of incorrect credit scores for consumers. I was a part of this. 
Equifax assumed a vital role in assembling and evaluating my credit and other information. They assumed this role and did not have permission or my consent. Also, there is a need to ensure that CONSUMER REPORTING AGENCIES ( EQUIFAX ) exercise their grave responsibilities with fairness, impartiality, and respect for the consumer ( me ) rights to privacy. 
Equifax gave false scores which made me have a higher payment and interest rate. Equifax did not exercise its grave responsibility. They were unfair, and impartial, and did not respect my rights to privacy.
Product: Vehicle loan or lease

UNDER FAIR CREDIT REPORTING IF ANY ACCOUNT OR LOAN OF SERVICE MUST BE SUMOTTED TO CREDIT WITH ACCURATE INFORMATION. THIS LOAN WAS ORIGINATED WITH AN ADDRESS IVE NWVER BEEN ASSOCIATED WITH AND THE CURRENT ADDRESS ON FILE IS A CHURCH ADDRESS, THE LOAN HAS XXXX SLOWLY MIGRATED TO ALL MY INFORMATION AND ACCORDING TO ACCOUNT SPECIALIST IN FINANCE IT WAS OBTAINED BY THE MAIN SIGNER OF THE LOAN FOR THE CAR XXXX XXXX. ACCOUNT DISPUTED BY CO SIGNER. 

-XXXX XXXX  ALERT WAS PLACED ON FILE XX/XX/XXXX BY PHONE WITH XXXX CREDIT AGENCY -NAME IS LEGALLY INCORRECT -ADDRESS AND STATE ID INFORMATION INVALID OR MISSING FROM CREDIT APPLICATION -INITIAL PULL OF CREDIT PULL ON FILE -LOAN WAS INITIAL APPROVED FOR ONE SIGNING PERSON, XXXX XXXX. CREDIT ACCEPTANCE DOCUMENTA SHOW CO-SIGNER WAS ADDED ON AT FINAL SIGNING OF DOCUMENTS. 
-CO SIGNER WAS IN XXXX XXXX AS A MEDIC IN THE XXXX XXXX XXXX XXXX 5. YEAR CONTRACT Credit Acceptance Corporation XXXX XXXX - MAIN SIGNER XXXX XXXX - FRAUDULENT CONSIGNER APPLICATION VICTIM / NAME INCORRECT Car loan - USED XXXX XXXX XXXXXXXX XXXX XXXX  LOAN BALANCE XXXX LOAN STATUS : CURRENT LOAN ORIGINATED/ XX/XX/XXXX IN XX/XX/XXXX MY EX PRTNER INFORMED ME HE WAS GETTING A NEW CAR AND LOAN THROUGH XXXX XXXX XXXX XXXX NEBRASKA XXXX THE LOAN WAS DISPENSED BY CREDIT ACCEPTANCE CORPORATION. IN XXXX I NOTICED THE LOAN ACCOUNT ON MY XXXX XXXX WHEN I RETURNED FROM XXXX XXXX. I CALLED XXXX XXXX AND STATES, I DID NOT CO SIGN WHY DOES IT STATE THAT IM THE JOINT SIGNER OR CO SIGNEE OF LOAN ACCOUNT. XXXX HAS REFUSED TO PAY THE CAR NOTE, THE CAR IS BEING HELD AT THE XXXX XXXX, THE TOW LOT OWNER WILL NOT RELEASE IT WITHOUT A XXXX PAYMENT FOR STORAGE. REVIEWING THE LOAN DOCUMENTS FROM THE CAR DEALERSHIP THE LOAN WAS INITIALLY IN XXXX XXXX NAME ONLY WITH XXXX DOWN DEPOSIT. ON THE LAST PAGE IT SHOWS A LINE FOR SIGNERS AND CO SIGNER TO SIGN THERE NAME. IT DOES NOT MATCH PERSON SIGNATURE AND WAS OVER-SEAS ON XXXX XXXX AS XXXX AND IT WAS SIGNED BY SOMEONE LEFT HANDED, ALLEGEDLY. VICTIM IS RIGHT HANDED. NO INQUIRY FOR REQUESTING DEALER TO PULL VICTIMS CREDIT FILE. 

CREDIT ACCEPTANCE HAS REFUSED WORKING WITH ME OR OFFERING GAP INSURANCE OR ANYTHING ELSE. 
INCLUDING ASSISTANCE WITH CAR RECOVERY OR TRANSFER OF LOAN OR MY REQUEST TO BLOCK FROM CREDIT REPORT. 

I ISSUED THEM FULL PAYMENT FOR THE AMOUNT OF XXXX FOR A COMPLETE PAY OFF OF THE LOAN ON THE XXXX OF XX/XX/XXXX. 

ON THE XXXX of XXXX I FOUND THIS WEBSITE XXXX XXXX FOR ASSISTANCE. PLEASE ASSIST WITH REMOVING THIS FROM MY CREDIT OR SHOWING IT AS SATISFIED.
Product: Credit card or prepaid card

XX/XX/XXXX- Paid our account in full in Good Faith using my Trust Account at the Federal Reserve Bank which has my name on it and my Social Security Number. Payment processed and posted on the same day. No notification sent to us of any problem. When I checked the account a few days later, saw that the payment was " Returned ''. I immediately made another payment using my personal bank account. Payment was actually made earlier than the due date. That payment processed, no problem. XX/XX/XXXX- Received letter from Chase in mail stating our account was closed due to a " recently returned payment.. '' and that XXXX provided them with the information that influenced the decision???? The letter was from Chase 's Risk Department. My wife phoned the Risk Department today while I was working and was told that even though we were in good standing, the account was closed and is irreversible due to the returned payment from XX/XX/XXXX. In the middle of her conversation, something happened with her cell phone where the agent at Chase could no longer hear her speaking..?? The authorization I gave Chase for her to speak on my behalf is only good for 24 hours, so that was the end of that conversation. Per the Board of Governors of the Federal Reserve Bank 's RULES & REGULATIONS regarding ACH payments, all ACH payments are immediate, final and irrevocable. The Federal Reserve Bank should not have " reversed '' my payment, nor do they have the authority to use or stop any payments on my Trust Account. As a result of this, Chase bank closed my account and will not consider re-opening it. They deemed it a " Risk Concern '' and closed without checking it out. Per HR192 enacted on XX/XX/XXXX, it is our birth right to discharge debts using this Trust Account and I have acted upon this information given to me IN GOOD FAITH. On a side note, Chase closed my account TWO WEEKS AFTER the returned payment and then, on XX/XX/XXXX, entered a " Purchase Interest Charge fee '' of {$220.00} -- AFTER they closed my account. The whole thing is very suspicious and the fraud risk evaluation needs to be done on their bank, not on me the consumer.
Product: Credit reporting or other personal consumer reports

I recently disputed an account for inaccurate reporting, I have never been associated with the address related to this alleged account, 15 USC 1681 e ( b ) Duty to Assure Accuracy, also sent another dispute 15 USC 1681 I Procedure of Investigation to try again by reinvestigating this account again. 15 USC 1681s-2 Furnishers of Information and the duty to provide accurate information, Furnishers must not report inaccurate or incomplete data CRA 's .
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a delinquent account reported by XXXX XXXX XXXX XXXX XXXX XXXX that I believe is fraudulent and does not belong to me. The details of the account in question are as follows : * Account Number : [ XXXX ] * Creditor : XXXX XXXXXXXX XXXX XXXX  Reported Amount : [ {$19000.00} ] Background Information I would like to clarify that I have never entered into any contract or agreement with XXXX XXXX XXXX. The account was originally financed through an in-house finance lender, and I have no knowledge or documentation indicating any transfer of this account to XXXX 
Upon reviewing my credit report, I found this account listed as delinquent, which has negatively impacted my credit score and overall financial standing. I firmly believe that this entry is erroneous due to the following reasons : XXXX. Lack of Contractual Agreement : I have not signed any contract with XXXX  nor authorized them to manage or collect on any debt related to my name. 
2. Original Lender Information : My records indicate that the original financing was conducted through an in-house lender, and there has been no communication regarding a transfer of this debt to XXXX 
XXXX. Fraudulent Activity : Given that I did not authorize any dealings with XXXX it raises concerns about potential identity theft or fraudulent activity associated with my personal information.
Product: Credit reporting or other personal consumer reports

I do not recognize the following addresses and phone number. Please Remove XXXX XXXX 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 or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>
Product: Credit reporting, credit repair services, or other personal consumer reports

My rental history payments have each been made before the court date. Back in 2019. And they are still showing as not satisfied. The landlord has confirmed all have been satisfied
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I transferred money from my XXXX account to TD Bank in the amount of {$86000.00} according to wire instructions I had received in the process of communicating with the loan officer and Title company for the purchase of a property in TN. On the morning of the XXXX, it was discovered that the wire instructions were fraudulent. On the same morning of the wire transfer, at XXXXXXXX XXXX XXXX  ), I called XXXX and asked urgently to halt the transfer. The money was withdrawn from my account at XXXXXXXX XXXX XXXX XXXX The FBI and XXXX XXXX that my money is in " a holding account '' but that TD bank is globally unresponsive and no one can say if or when my money will be returned. XXXX has not gotten answers from TD bank either.
Product: Mortgage

In XX/XX/XXXX I was granted a mortgage modification by XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX my mortgage was transferred to one of several mortgage servicing companies please see uploaded files. In XX/XX/XXXX all of these companies were notified by myself in writing. All companies have refused to refund my money and in the case of XXXX have refused to adjust my monthly mortgage payment in accordance with the modification. Please see attached files
Product: Credit reporting or other personal consumer reports

These inquiries are not mine please remove them from credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian Credit Reporting Agency on XX/XX/2023. I stated that the agency was reporting identifiers that subject me to fraud activity and they are putting me at risk and causing finanical hardship by using XXXX XXXX XXXX as it has been used fraudulently. I request the Agency use my first and last name only. I have shown the agency proof of my address. The Agency ( Experian ) continues to report a address that is not deliverable to me by the U. S. Postal Office and they are not reportable as per the FCRA Sec ,623 since they are not yet proven accurate
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i sent XXXX dollars to my girlfriends XXXX. She couldn't get the money out of her paypal account so she refunded it back to me the same dat XX/XX/2024. It's been over 30 days XXXX  says they can't help us And cash app also says the same thing. There is now XXXX dollars just missing and no one knows where it's at!!! XXXX can't trace the money cause it didn't go to a debit card.. my girlfriend had called paypal probably XXXX times with no help and cash app just says they can't locate the money I'll provide screen shots of everything I can.
Product: Credit reporting or other personal consumer reports

My credit report is showing GOOD at XXXX on credit karma.com After being denied for loans, credit cards and a mortgage because my credit score is NOT a XXXX. MY REAL CREDIT REPORT IS A XXXX!!!!!!!!!!!! 

I was lied to and given false hope that I have finally worked up to a good credit score and this would help change my life to finally buy a house, save money on insurance and open a credit card to continue to improve my credit score. I have worked with credit karma over a year and thought I was doing great and making progress. Turns out I haven't made a dent in my credit even after almost fully paying off my car loan from years ago.