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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Complaint Regarding Equifaxs Failure to Comply with the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am filing this complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 7 ). Despite my repeated requests, Equifax has failed to provide a description of their investigation process regarding disputed accounts on my credit report. Additionally, they continue to inaccurately report the following accounts as negative items : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Bank XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bank XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Bank XXXX Account XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Equifax has XXXX that the information on my credit report is accurate and verified ; however, these accounts remain incorrect. Their failure to respond to my inquiry and provide the required explanation is a direct violation of the FCRA. Under 15 U.S.C. 1681i ( a ) ( 7 ), credit reporting agencies ( CRAs ) are obligated to provide a description of the investigation process upon consumer request.

I demand that the CFPB take immediate action to enforce compliance with the FCRA. Specifically, I request the following : Require Equifax to delete the aforementioned negative accounts from my credit report. 

Impose a fine of up to {$1000.00} per violation, as allowed under the FCRA. 

Ensure that Equifax provides a detailed description of their investigation process in accordance with 15 U.S.C. 1681i ( a ) ( 7 ). 

I have attached copies of my correspondence with Equifax, along with any supporting documents, for your reference. Please let me know if you require additional information to proceed with this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

I would like to dispute the following items 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
Product: Credit card

I have been complaining about Discover card and requesting that they send me paperwork showing that I obtained credit from them. They have been sending back information on an address that I have not lived over 15 years and NONE of the information that they have provided bears my signature. I do not owe Discover Card any money and they keep reporting information to the credit bureau and violating my rights as a consumer. 

Sending back information such as my social security and address means nothing to me. I want to see my signature on a document that I tried and did obtain credit from Discover Card, they keep sending privacy policy and statements. Someone could have taken that out and not me. 

I want to see my signature on the documents that I signed. If Discover Card can not produce a document with my signature, it should be removed from my credit file and stop reporting immediately to these credit bureaus. 

Discover is a fraudulent company that is trying to ruin people of color 's credit so that they can gain relevance in the market. They have been in multiple lawsuits where it has been proven that Discover Card goes after people of color to report incorrect information on their credit report.
Product: Credit reporting

I have had several id theft issues over the last two years, and have been the victim of data breeches. I was alerted by my credit monitoring service that XXXX, an internet lender that is not allowed to lend in my state was negatively reporting on my credit. I purchased a copy of my XXXX in XXXX report form the credit monitoring service, so that I could see exactly what was being reported and for how much. It was reported on my TransUnion report only. 
I was advised to dispute the XXXX reporting on my credit report from TransUnion, so I did by sending a letter with all of the proof that it was a void loan to begin with, asking for it to be removed. I received a letter from TransUnion in response saying that they needed more time to consider my request to remove the negative report by XXXX, but that in the mean time, the address I used for myself was n't consistent with their records. So I tried to log into the TransUnion site, as I had with the other XXXX credit bureaus, and I had had a TransUnion account from before, so I thought it would be easier to fix from there. I had trouble logging into the site, even though I had had an account with them from years prior, and so I wrote a response letter to TransUnion. In the letter I provided additional items to prove that I was who I said I was, and to prove my address, where I have lived for 20 years, was my correct address. 
I included my driver 's license, my my ID card from work, and my voter registration card, which had my address. 
I received a letter response from Tran Union saying that it could not change my address at this time. 
The difference between the address that they had on file and my actual address is that Trans Union says I live at the same street number, city, state, and zip code, but they also add and apartment number/letter. I have lived in this house for over 20 years now, and it has never had an apartment number associated with it. I work for the U.S. Postal Service, and I have never had anything addressed to me except by TransUnion that includes an apartment number. 
I want TransUnion to correct my address, and acknowledge that the additional apartment number is wrong. I want to be able to order a report directly from them, instead of going through my monitoring service and paying to get copies of my credit report. The strange thing is that the monitoring service through my bank has my correct address, and they are able to get a report, but I can not get one on my own or through annualcreditreport.com. I just want it fixed so that I can.
Product: Credit reporting

Consumer has tried numerous times to have credit agency to remove or update inaccurate information on report referencing XXXX # XXXXAll payments and equipment was made and/or returned directly to XXXX in XXXX, Kansas therefore this account should have never been reported as derogatory on my credit report.
Product: Money transfer, virtual currency, or money service

I have been a target of a scam. 
I, at the request of an XXXX agent ( XXXX XXXX ), was asked to help transfer payments from buyers to the accounts of sellers whose Paypal accounts were not working.

I was given a commission to help pay for the transfer costs.

Having a past relationship with this agent, I agreed on a short-term basis to help out.

I did not realize that both the buyers and sellers were either fake or stolen accounts until the buyers were requesting their money back. 
I then contacted XXXX XXXX about this and he guaranteed me he would get the sellers to reverse the payments.

After this did not happen, I then put in a dispute on the payments to help repay back the buyers, in which he began to threaten me. 
It was not until the dispute to XXXX that his accomplices started threatening me. 
I have filed a case with the Federal Trade Commission to investigate this scam case : Report # XXXX. 
All the money I received, were not held in my account, but passed on to the sellers accounts. 
I have included the text messages between XXXX XXXX and I along with a record of the FTC report submission and any emails that are pertinent to the case. 

XXXX XXXX
Product: Mortgage

Our mortgage was sold to PNC Bank, who then, without notice, raised our mortgage payment for no reason. There was no notice sent to us aside from the bank sending payment coupons with the wrong payment amount on them. Luckily, this amount is an amount we can pay, but it is wrong and illegal to change a contracted payment amount without any notice or explanation from the bank. The bank has since backtracked and said we can pay the old amount, but still this is either extreme incompetence or something worse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am included in the list of potential victims of the Equifax hack that was reported on XXXX17.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act. Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MN, XXXX XXXX XX/XX/XXXX Good morning to whom this may concern. I was taking a look at my most recent credit report and noticed that an account XXXX XXXX  ACCOUNT NUMBER : XXXX is still reporting inaccurately. I have asked many times for this account to be PROPERLY Investigated but yet you have FAILED your legal obligations. You have REPORTED A HIGH CREDIT : XXXX this is INACCURATE how can my balance be XXXX? When my statement shows XXXX? HOW CAN ACCOUNT CONTINUE TO SHOW CHARGE OFF EVERY MONTH? THIS IS A VIOLATION I PROVIDED DOCUMENTATION TO PROVE MY CLAIM. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. High Credit : {$1300.00} I never received a loan of XXXX from XXXX XXXX  ACCOUNT NUMBER : XXXX therefore you are manipulating my credit report and creditworthiness with inaccurate and erroneous information. I am in the process of BUYING A HOUSE for my family and your violation of my consumer rights is keeping me from DREAM HOUSE. You have REPORTED a HIGH CREDIT : XXXX this is INACCURATE AS IT IS ILLEGAL TO REPORT CHARGE OFF PAYMENT HISTORY. REMOVE ACCOUNT FROM CREDIT REPORT FOR INACCURATE INFORMATION. I have attached a copy of my credit report and Identifying information below. I HOPE THIS GETS RESOLVED IN A TIMELY MANNER THANK YOU
Product: Debt collection

Every few years, I've received a call about an 12 year old Wachovia acccount. I have called XXXX XXXX and Wachovia in the past and they have no information about the account or who's contacting me. I have obtained a consumer report that has no trace of this account. Now there is a law office threatening to serve me with a lawsuit if I do not pay. It has been every couple of years that I am contacted but the last time when they threatened to sue was on Friday, XX/XX/2020. I have told them that I will try to get some information from the bank to show that I don't owe this debt, but the bank has no information to give.
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, and since then I've been seeing a lot of unauthorized inquiries and accounts. I've attached a Federal Trade Commission report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> : XXXX : XX/XX/year> : 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 handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit card or prepaid card

I am filing a formal complaint against Synchrony Bank, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. This bank has been charging me illegal late fees every month since I opened the account. Every month I have paid my minimum balance due of {$42.00} early, and Synchrony Bank charges me for late fees. Then, adds the late fee charge to my minimum balance due. I have contacted them by phone and email on several occasions asking for a refund of the late fees. This abusive illegal practice needs to stop. I have enclosed copies of all the statements for my account which includes all dates and amounts of late fees charged from their website. Clearly exposing the accounting errors on their part!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called experian to cause my Experian credit report was updated and said verified I asked them how did they verify and send me proof They refuse to send proof & can't explain what method of verification they use to verify, my consumer rights are being violated.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my Gmail emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that, XXXX XXXX XXXX is a victim of a fraud committed using my the identifying financial information pursuant to FCRA 15 USC 1681a ( q ) ( 3 ) because the data furnisher FAILED to give the consumer FULL DISCLSOURE regarding its opportunity to Opt Out of the disclosure of nonpublic personal information to third parties before such information was disclosed. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) of the FCRA a consumer report does not include ( i ) any- report containing transactions or experiences between the consumer and the company making the report, unless as stated in 15 USC 6802 ( a ) ( b ) ( 1 ) & 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) the customer is given the opportunity to opt-out and fails to do so. 

Pursuant to 15 USC 1681a ( q ) ( 4 ) an identity theft report can be used to permanently block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. It will also make sure that inequitable information do not reappear on the credit report. A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS after the date of receipt by such agency.
Product: Debt collection

Cavalry Portfolio Services LLC is reporting an account that was a charge off credit card from XXXX XXXX XXXX from XXXX on my credit reports. Under Louisiana civil code XXXX XXXX XXXX XXXX the statute of limitation of debt collection of an open account is 3 years old. On my XXXX Credit report it shows that Cavalry started reporting this account on XXXX/XXXX/XXXX, XXXX and XXXX XXXX show that they started reporting on XXXX/XXXX/XXXX, Cavalry was sent a letter on XXXX/XXXX/XXXX to validate this account and provide proof that they notified me in written XXXX to XXXX days before reporting this account to the credit reporting agencies as required under FCRA. Per phone conversation with with XXXX XXXX ( supervisor with Cavalry Portfolio Services ) they are servicing the account on behalf of Cavalry SPV 1 LLC who purchased the account on XXXX/XXXX/XXXX from XXXX XXXX XXXX. According to XXXX XXXX XXXX 's records provided by Cavalry Portfolio Services the account was charged off on XXXX/XXXX/XXXX making this account past the 3 year statute of limitations of debt collection under Louisiana XXXX XXXX XXXX XXXX XXXX ) for open accounts ( credit cards ). XXXX XXXX XXXX stated that they first started reporting this account to the credit reporting agencies on XXXX/XXXX/XXXX which is a violation because under FCRA since they are required to wait XXXX to XXXX days before reporting, which he said they purchased it on XXXX/XXXX/XXXX and reported on XXXX/XXXX/XXXX ( 48 days ). XXXX XXXX XXXX stated that they sent out the first notice on XXXX/XXXX/XXXX, the second on XXXX/XXXX/XXXX and that Another company they used called XXXX XXXX XXXX XXXX started servicing the account in XXXX. XXXX XXXX XXXX was asked to provide the Bond number showing that his company was licensed and bonded in Louisiana as a XXXX XXXX but could n't provide that information. XXXX XXXX XXXX was recording the conversation and was brought aware of the many FCRA violation his company had committed from reporting false information, reporting this account before the XXXX to XXXX days required, that they had to be bonded in Louisiana, not providing the information that was asked to validate this account and that once XXXX XXXX XXXX charged off the account they sent out a XXXX required under Federal Bankruptcy Laws and that once its filed on my tax returns it satisfy any amount owed under XXXX Sections XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :
Product: Debt collection

i opened a credit card with XXXX XXXX Bank about 2 yrs ago and when I tried to use the card, XXXX XXXX told me that the card that I had was cancelled and they sent a credit card to another address. They sent it to a person that is fradulent and has been using my information about about 2 years. I believe they live in the XXXX XXXX. I have sent the collections company the police report.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
Original Creditor : XXXX XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXX/XX/year>
Product: Mortgage

I was approved by Chase Home Loans, for a loan modification with a fixed 2 % interest rate for the life of the loan. My modification agreement began in XXXX and stated it was to continue through XXXX. I have several mortgage statements stating that the 2 % interest rate was through XXXX. Until about 4 months ago I received a statements saying my interest rate would increase in XXXX. When I wrote Chase and sent them copies of the terms of my modification, they never responded to me. In XXXX of XXXX, I received a letter from Chase stating my loan had be sold to XXXX and that Chase would no longer service my loan after XXXX XXXX, XXXX. The letter also stated the NEW INCREASED Amount of my mortgage payment and the NEW INCREASED Interest rate of 3 % beginning XXXX XXXX, XXXX, when my loan transferred to XXXX. When I logged back on to my online account with Chase, I noticed that where it normally showed my Interest Rate change to be effective XXXX, it now showed XXXX. I reviewed online statements from XXXX XXXX back to XXXX XXXX and they had all been changed to show an interest rate change effective XXXX, however, I have original statements from Chase showing the original Interest Rate effective change date of XXXX. 
This is blatant FRAUD committed by Chase and then they sold my loan off to another mortgage servicer to try to escape their fraudulent activities. I have experienced numerous fraudulent actions by Chase concerning my mortgage. This issue is fraud and Chase should be held accountable for their fraudulent actions! 
Please contact me regarding this matter and help me to rectify this wrong-doing and hold Chase accountable for their actions. I look forward to hearing from you to move forward with this review, where I can provide documentation proving Chase Bank 's fraudulent actions. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment with the ongoing presence of late open accounts on my record despite repeated attempts to correct them. 

This marks the third time I am contacting your office regarding this matter, and unfortunately, the issue remains unresolved. The continued presence of these late open accounts not only tarnishes my financial standing but also reflects poorly on your organization 's ability to address and rectify customer concerns in a timely manner. 

Given the repeated nature of this issue, I demand immediate action to rectify the situation. I expect a comprehensive response outlining the exact steps that will be taken to investigate and correct the late open accounts without further delay. 

Please understand that this communication serves as both a formal complaint and a plea for urgent resolution. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX  Balance : {$5700.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00}.
Product: Debt collection

I disputed this debt on XXXX XXXX but didnt receive a response from the company and whether it was validated.
Product: Checking or savings account

XXXX XX/XX/22 four XXXX were taken out of account. XXXX, XXXX, XXXX. Bank claims I approved transaction. I did not approve. Bank said I had a right to see emails they used to take the money. They refuse to send these emails. Have gone to closest branch, talked to fraud dept, always say will send within 10 days. Nothing. Have gone to bank at least 4 times. They will not give our money back and will not send the emails, which I never got or would have approved. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX XXXX XXXX Amount XXXX Opened XX/XX/18 I am disputing fraudulent account identity theft XXXX XXXX account number XXXX amount XXXX date openXX/XX/XXXX XXXX XXXX XXXX recently purchased XXXX XXXX/ XXXX credit card I previously had fraudulent account from XXXX XXXX/XXXX that was deleted from my XXXX  XXXX and Experian credit reports about a month ago and now that XXXX XXXX XXXX had purchased the XXXX XXXX/XXXX card the same fraudulent account reappeared on my 3 bureau credit report