23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax result of their non-compliance to my request and for their refusal of getting the accounts and inquiries, listed below, to be removed or corrected from my credit reports. However, that complaint was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these accounts and inquiries or have Equifax get back to me with regards to the issue. Here are the accounts and inquiries that concern me : XXXX XXXX XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX Balance {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance ; {$0.00} XXXX XXXX XXXX Balance {$2000.00} XXXX XXXX XXXX Balance {$3900.00} XXXX XXXX XXXX XXXX Balance {$2700.00} AXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XXXX XXXX, XXXX XXXX Inquiry Date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX LONG BEACH, CA XXXX XXXX OF SO XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

In XXXXI went to XXXX XXXX XXXXXXXX to buy some electronics. The offer me to apply for Credit card. What I accepted. My total amount was $ XXXXNext month.they send me my my monthly estament. I paid {$30.00} dollars the minimum payment. After that in my next estament. They apply inters. The amount increase a {$2700.00}. Before the amount Due on XXXX XX/XX/year> .I went to the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone XXXX XXXX. 
In the store I paid the full amount of {$2700.00} In cash.I have my receipt to proof that's. The payment was XXXX XXXXafter that my account was in XXXX balance. After that date I not make XXXX purchase or paid any money with the credit card. In XX/XX/year> the XXXX me a estament for XXXX I call them to ask why I have that balance they explained to me that is a mistake and they will remove the charges. I been trying to fix this problem for about XXXX months but they didn't remove the balance. Now they increase the amount. I also went to the store but they tell me they can't do anything. I need to contact the synchrony bank. I sent to them the proof that I paid in full the amount. But they didn't do anything. There's fax is XXXX the phone number XXXXalready talked to them for more the XXXX months. I frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX Experian XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that l had XXXX late payments on an occount that l was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account ( Enter Account Name ) : XXXX XXXX ( Enter Account Number ) XXXX Please Investigate and provide Proof with statements showing that these payments were late. It proof co n't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks,
Product: Consumer Loan

My loan company accessed my personal phone records without authorization and called random numbers. The company is XXXX, I do n't know when and how this access was done but since I first learned this people have informed me XXXX called their number. These various people and arenumbers not associated with my account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for Verification Regarding Alleged Late Payment Dear XXXX XXXX, Thank you for your response dated XX/XX/XXXX, regarding my Victorias Secret Credit Card account ( ending in XXXX ). I appreciate your acknowledgment of my concerns and your statement that no delinquency is reported for XX/XX/XXXX. However, there remains a discrepancy between your findings

and my credit reports, which indicate a late payment for the said period. Discrepancies Identified Late Payment Reporting : While your response claims no delinquency is reported fo
r XX/XX/XXXX, the credit report I reviewed explicitly lists a late payment for this month. This discrepancy raises questions about the accuracy of the data being furnished to credit bureaus.

Account Closure Date : Your letter states my account was closed on XX/XX/XXXX. This date conflicts with the reported activity timelines and payment histories across XXXX, XXXX, and XXXX. 

Address Mismatch : You mentioned an address discrepancy, yet my correspondence included accurate and up-to-date information. I request clarification on how this mismatch affects your records and whether it influences the reported inaccuracies.

Request for Verification Pursuant to 15 U.S.C. 1681i and supported by rulings such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), I formally request : Verification of Late Payment : Provide internal records, payment receipts, and supporting documentation that confirm no late payment occurred in XX/XX/XXXX. This evidence must be consistent with all three credit bureaus. 

Details of Reporting Practices : Explain the methods and processes used to verify account status before reporting to credit bureaus. Include details of how you confirmed compliance with 15 U.S.C. 1681s-2 ( b ).

Updated Credit Report Details : Ensure the correction of any inaccuracies related to the alleged late payment and provide written confirmation once the credit bureaus have been notified of these updates.

Notice of Potential Legal Action The harm caused by inaccurate reporting can not be understated, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). Should this matter remain unresolved, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider arbitration proceedings as outlined by the American Arbitration Association ( AAA ).

Next Steps I request acknowledgment of this letter within 10 days and a comprehensive response within 30 days as mandated by the Fair Credit Reporting Act ( FCRA ). Your timely resolution of this matter will prevent further unnecessary action.

Thank you for your attention to this issue.
Product: Student loan

Forbearance was pushed and then consolidation from XXXX to Mohela and best repayment options were not explained or given as options. Loans should be discharged at this point as no reconciliation with XXXX has been met.
Product: Prepaid card

I am a XXXX XXXX XXXX woman and my only income is my widow 's pay through Social Security. 
On XX/XX/24, I contacted Direct Express due to some fraudulent activity on my card. They closed my card and sent me a replacement card which was received on XX/XX/24. Once received I tried to activate it by calling the number ( XXXX ) on the sticker on the card. I was not able to get through and was left on hold for over an hour. I tried the next day, with the same results and then realized it was Saturday and maybe they closed on the weekends. So I tried again that Monday ( XX/XX/24 ), still left on hold for hours. I then contacted my daughter for help. She works long hours and called who out of work to help me, due to the urgency of paying my bills and getting food in my house. Together, we tried calling and could not get through, we also tried the website. When I entered the card number in the website, it read that the card is not valid. Then we emailed Direct Express at XXXX. We were able to receive XXXX response from them that asked for my name and phone number, in which we replied with that information, then NOTHING. We tried emailing them over and over again after that to no avail. On XX/XX/24, I tried calling Social Security for help, was on hold for XXXX hours just for them to tell me that they can not help me. My bills are due and I do not know what to do. Please help in any way possible. Thank You
Product: Credit card

My mother has a credit card account, and she listed me as an authorized user. At some point, the credit card upgraded me to a co-user, which I did not consent to or apply for.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX  ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Checking or savings account

Right now I'm in mediation ... with Wells Fargo. waiting for a confirmation letter from the on phone meeting with Wells Fargo mediator. We ended with, I should call XXXX and ask for another meditation form for home inprovement department. Starting to feel like Wells Fargo is blowing wind. I'm waiting for a summary from my retirement 401k so I can send Wells Fargo proof positive I had the money and they took it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has repeatedly allowed the following creditors to report inaccurate and derogatory information onto my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has repeatedly reported inaccurate information, and XXXX continues to allow them to do this. As such I have been unable to obtain the things that are supposed to be allowed to be given to every XXXX, which is excellent credit, financing opportunities, home ownership, and owning a vehicle. I have to live barely making it because I am unable to obtain credit, because XXXX allows these creditors to report inaccurate and false information across my credit file. I have submitted numerous disputes with XXXX for every month since XXXX of XXXX  in which I have documentation for. They never complete a thorough investigation and believes these creditors over me the consumer, and continues to report this inaccurate information month after month.
Product: Vehicle loan or lease

On XX/XX/2019 my car was declared a total loss by the insurance company of the company that hit my car. The insurance company paid the Since that time, the trucking company that was responsible for totaling my car paid Chase the amount that was requested in there settlement letter {$11000.00}. Chase still requesting additional money from both me and the GAP insurance company. In the meantime they have been reporting me as being delinquent on my credit report for which I had never had a late payment on this car note. This has created a terrible hardship for me because I am still without a car and now my credit is reflecting as poor and I have no real hopes for being able to purchase at a fair interest rate. The Gap company has issued a check to chase for which chase claims not to have and says it won't be enough and they will continue to report negatively on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I decided to open an account with Credit Karma online to find out my fico score only to find out that there was already an account opened in my name and my social sscurity number. OMG, I panicked because that was not me that opened it . Credit Karma gave me a real hard time because they didnt believe in me, had to show them many multiple times to prove myself. I suggested to Credit Karma that they should of done that to the scumbag who illegally ooened an account in my name than this would never of happened. They finally realized I was the real XXXX  XXXX  then they closed out the other account. Thank you lord but now this scumbag saw all my personal information, credit card numbers etc. I sent many emails to Credit Karma and they finally said they couldn't help me any further!
I want this scumbag to be arrested. This person set up a phony email address 
Which I looked up & it was a temporary email address. Credit Karma needs stricter regulations on people opening up accounts with them. 
Since this happened 2 times my bank closed my account for multiple failed login attempts which I associate with this scam artist. This has caused me alot of grief & headaches. I asked them for information on this scumbag & an address, they must have something on thus scumbag but told me they couldnt give out any information other than closing that account.
I contacted XXXX  to have a watch on my credit & if anyone tries to open any charges that I will be notified first,
Product: Credit card

I was told that I should apply for a carecredit card by my surgery facility in order to pay for my surgery and that many patients have done it before and are happy with the decision. My surgery was in the summer of 2013 and costed {$3000.00} but now since it is past the promotional period that I was not made aware of, the interest I pay on it monthly is 26 %. That is insanely high in my opinion. So now I have almost XXXX dollars to pay and if I continue paying the minimum payment, I 'll pay it off by 2020. I feel like I was fooled into believing that this would help me pay for surgery yet it has cost me so much more money than I can afford. I 'm a college student and can barely make it financially as is, but to have this kind of financial stress on me every month is too much. 26 % interest is a crime!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MY ADDRESS THIS ADDRESS IS INCORRECT AND FRAUD XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Debt collection

TCF BANK LOAN XXXX HAS VIOLATED THE '' THE DODD-FRANK ACT ). PROHIBITING UNFAIR, DECEPTIVE, OR ABUSIVE ACTS OR PRACTICES IN THE COLLECTION OF CONSUMER DEBTS. 
31 F.C.R.A. VIOLATIONS, UNLAWFUL RE-INSERTING LOAN ONTO XXXX AND XXXX CREDIT REPORTS ( WITHOUT 5 DAY NOTICE TO CONSUMER ) BY CHANGING ACCOUNT TYPE, STATUS, DATA ETC.. AND FINALLY RE-AGE DEBT. 

203 T.C.P.A VIOLATIONS TO MY WORK AND CELL PHONE, AFTER CEASE AND DESIST ORDERS AND DO N'T CONTACT NOTICES. I HAVE ALL RECORDS, VOICE AND DOCUMENTATION. 

S.O.L. EXPIRED STILL TRYING TO COLLECT ON A DEBT THAT S/B/ DISCHARGE UNDER H.A.M.P.2MP MODIFICATION BY XXXX.
Product: Credit reporting

I have contacted Capital One Auto Finance, several times since XX/XX/XXXX, as well as contacting the credit agencies to inform them that there are duplicate credit inquiries on my credit report. I have asked both to remove the duplicate entry. It was reported on my credit report as of XX/XX/XXXX. All I am asking is for the duplication to be removed ; however, the lending agency has ignored my previous requests.
Product: Checking or savings account

Between the dates of XX/XX/XXXX and XX/XX/XXXX fraudulent charges were made using my business debit card with Comerica Bank in the amounts of : {$1100.00} {$190.00} {$32.00} {$5.00} {$44.00} {$1200.00} {$1.00} {$34.00} On XX/XX/XXXX, I made a call to the bank and notified them of the transactions. A dispute was filed. During that time the agent on the phone asked if I was in possession of my card. I told her I did not have the card on my person but I believed it to be at home. She marked that the card was in my possession. 

On XX/XX/XXXX I called the bank for a status update on the case and was told that the dispute did not go in my favor. I was told the the case could be reopened with new evidence and was told to make a police report. I had discovered that the card was not at home and I actually had not seen the card since early XXXX because I do not use the card on a daily basis. I was told that they would send me the findings of the investigation. I then reopened the case with the police report and detailed charges from my personal checking account that showed that I had made transactions where I live at the same time my business checking account was compromised. The charges were made outside of the US ( in XXXX ) and I was at home during the time I have not left the country. 

In the report that I received from investigators on XX/XX/XXXX, the only evidence that was used was that the woman doing the intake call marked that I had possession of my card. I corrected that information with multiple agents over the corse of 4 weeks and on XX/XX/XXXX was notified that my case was still going to be denied. 

I was not able to speak to any investigator during the entire month only that I would could email information. I told the agents at the call center multiple times that I had not left the county and that I could prove that I was no where near the location of these transactions and that was still not taken into consideration. I was told multiple times by agents on the phone that my PIN was used to make these transactions which was not true. On the investigation report no pin was used even though that was one of the reasons for my denial.
Product: Prepaid card

I had 3 unauthorized charges made using my prepaid debit card, Comdata Card Number : XXXX XXXX XXXX XXXX, exp. XX/XX/XXXX. The charges were for {$160.00} made on XX/XX/XXXX to XXXX XXXX, {$54.00} to XXXX made on XX/XX/XXXX, and {$33.00} made to XXXX on XX/XX/XXXX. I reported all of these charges as unauthorized and said I wanted to file disputes on XX/XX/XXXX. I also reported my card as having been hacked/compromised. During the next 6 days someone tried to use it to make online purchases and additional 29 times. They took the information and said they would investigate and to call back in 7 days. I called back on XX/XX/XXXX and was told that the charges on my card hadn't cleared yet so no dispute was on file yet. I said I wanted the disputes filed and they told me that this would take an additional 21 days to investigate. Today I received 2 emails for the XXXX, which I am pasting below, stating that 2 XXXX purchases are being investigated and will take 45-90 days. No word on the 3rd disputed charge.
Product: Credit card or prepaid card

CareCredit ( through XXXX ) provided a promotional 0 % interest offer for certain healthcare-related expenses. The 0 % interest applies if the promotional balance is paid off within a specified timeframe. I paid well over the minimum payment every month ( always well before the due date ) but they distributed the payments between the 3 different promotional balances. Even though I made payments large enough to pay off the promotional balances in the order in which they were charged, they are not getting paid off and they are starting to charge interest. Even now, I have a {$30.00} balance on a promotion that ends XX/XX/2023, but if I send in a {$30.00} payment, they will apply a small portion to the {$30.00} and the rest to the larger balance and then charge interest on the expiring promotion - PLUS charge deferred interest. I feel this is tricking the consumer and it's not made apparent. Please investigate this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting opened date and payment history in these accounts wrong, since this is inaccurate reporting please have them removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX