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

Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Equifax Dispute Department Subject : Formal Complaint Regarding Ongoing Credit Reporting Errors Violation of 15 U.S. Code 1681 Dear Sir/Madam, I am submitting this formal complaint regarding Equifax 's failure to correct inaccuracies on my credit report, despite repeated disputes and a written acknowledgment from an Equifax representative . Under 15 U.S. Code 1681 ( Fair Credit Reporting Act - FCRA ), I am entitled to an accurate credit report, and Equifaxs continued negligence is a violation of federal law. 

On XX/XX/XXXX, I received an email from XXXX at Equifax, confirming that my credit report had been mishandled and that the necessary corrections would be made immediately. Following this, I spent over an hour on the phone with her, where she reviewed my Equifax report line by line, confirming updates would be electronically transferred to my credit card companies. However, as of XX/XX/XXXX, these corrections have not been made, and several errors remain on my credit report. 

Outstanding Errors on My Credit Report XXXX XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX XXXX Missing. 
XXXX XXXX XXXX ( XXXX ) Missing. 
XXXX XXXX XXXX ( XXXX ) Marked as Disputed incorrectly. 
XXXX XXXX XXXX XXXX ( XXXX ) Missing payments, marked as Disputed incorrectly. 
XXXX XXXX XXXX ( XXXX ) Missing. 
XXXX XXXX Accounts : XXXX XXXX XXXX XXXX XXXX Incorrectly marked as Disputed, listed as closed ( not corrected ). 
XXXX XXXX ( XXXX ) Incorrectly marked as Disputed. 
Other Accounts : XXXX ( XXXX ) Blank ( no information ). 
XXXX ( XXXX ) Missing XXXX and XXXX payment history. 
Milestone ( XXXX ) Incorrect Disputed comment. 
XXXX XXXX ( XXXX ) Missing payment history. 
XXXX Missing payments. 
XXXX ( XXXX ) Still showing in collections, despite Equifax confirming its removal. 
XXXX XXXX ( XXXX ) Not showing me as an authorized user ( its my husbands card, which was confirmed corrected in writing ). 
XXXX XXXX ( XXXX ) Marked as Disputed incorrectly, missing payments. 
Request for Immediate Resolution : Immediate correction of all errors listed above.

Updated credit report reflecting accurate information.

Confirmation in writing that corrections have been made.

Investigation into Equifaxs mishandling of my case.

Legal action if my consumer rights continue to be violated.

Damages & Next Steps : This ongoing issue has caused me financial harm, stress, and significant time loss. XXXX XXXX has yet to reinstate my accounts, despite my previous complaints to their executive office and reports to CFPB. If this matter is not resolved promptly, I will escalate to state and federal regulators and consider legal action for violations under FCRA and related consumer protection laws.

Please respond to this complaint within 15 days, as required under the FCRA. I expect a resolution no later than XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The consumer reporting agency flagged me and the background report states that my drivers license is inactive-which is incorrect. My drivers license is active and now I will not be able to get this job because a valid drivers license is a requirement of employment. This reporting agency reported false information which cost me a job. They should be shut down and their licenses for reporting taken away!
Product: Credit card

hello, in 2015 i opened macys credit card, and i used it purchase furniture at XXXX, but i did n't receive my card therefore they sent me another card. But they did n't transfer the purchases i made with the XXXX card. i found out the issue through my credit report when XXXX ( citi bank ) reported charge off account to the credit agencys. 
My credit score dropped and i got denied from other credit cards and loans. I have been calling macys and citi bank to rectify this issue and i got no help. Please help me to resolve this issue. 
Thank you
Product: Credit card or prepaid card

I believe that my identity has been stolen for a second time. Someone opened a Bank of America credit card in my name ( the address used was on XXXX XXXX, XXXX, Florida ) ; also, I began receiving hundreds of emails in my XXXX account, telling me that I had signed up for accounts - or even ordered products - from companies all over the world.
Product: Debt collection

This is a mobile phone, the person they are attempting to harass does not own this phone. The number of attempts are unlawful and is harassment. They get a number and they dont care who owns it or anything and turn their computer system and auto-dialer on people.
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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXXXXXX 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 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 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
Product: Debt collection

XXXX contacted me offering XXXX internet, I explained there was no service in my area. They offed a unit and a phone on loan to test, I said okay. They sent me a XXXX internet unit and a cell phone, I tested both explained only had XXXX bars and they were dropping in and out, asked if they had a boosted they said not that would work. I said okay then I would like to return items as they are not good to me. Returns were set up and I repacked everything in original packaging printed out the return labels and dropped off at XXXX store. I received notice that items had been received okay. I then get a invoice for XXXX saying I owed them money, I contacted the sales rep he said he would take care of it, next month same thing a bill from XXXX for XXXX this time I emailed the sales rep he responded with " Absolutely, It's a quick fix '' next month same thing, I contacted him again, this time the response was " On it, sorry about that '' next month I get a letter stating if I do not pay they will turn me in to a debt collector, I call the main number spoke to various people eventually I was told it was resolved I owed nothing. Next month I get a letter from a debt collector for the XXXX I disputed the debt explaining what happened, they eventually responded stating XXXX has verified the debt. - What can I now do to fix this issue
Product: Credit card

On XX/XX/XXXX, I called Barclays to cance a AAdvantage Aviator Mastercard I had never used. I was told my card was being cancelled with a {$0.00} balance. 
On XX/XX/XXXX, I called Barclays because I had continued to receive collection emails. I spoke with XXXX who confirmed the account was closed with a {$0.00} balance. She told me it takes 1-2 billing cycles for a closed account to clear out. 
On XX/XX/XXXX, I called Barclays because i had received more than 10 new collection emails. I spoke with XXXX ( ID # XXXX ). XXXX confirmed that my account showed as closed on XX/XX/XXXX, and it should me cleared out on the XX/XX/XXXX statement. I asked XXXX not note that I would reach out to FTC if the collection emails continued. 
Since that call, I have received 30+ new collection emails. Barclays knows from my profile that I am a XXXX  citizen. I believe Barclays has targeted me for harassment, with the expectation that I, or someone acting on my behalf, will pay the money I do not owe simlpy to make them go away.
Product: Debt collection

Someone, unknown to me, purchased from Conn 's Home Plus. In the process of their purchase, my cell phone number was given or was entered incorrectly in Conn 's system. I have verified with Conn 's customer service that the account in question is not in my name nor did I cosign for it. Conn 's turned the account ( with my cell phone number ) to collection via XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have XXXX stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to Conn 's Plus nor XXXX. 
( 2 ) I have requested them to stop contacting me. This has not occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Gensis ( Milestone bank ) have a late payment on my account which is incorrect. The account was closed a month or so after I opened it. I called because a late payment showed on my credit report, they cleared the balance to {$0.00} and sent me a letter saying now the account is closed but did not remove it off my credit report. The late payment should not be on my credit report because the account should have been closed.
Product: Student loan

Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!
Product: Checking or savings account

Citibank claims to have restricted my accounts yet they processed my payroll direct deposit check into the " restricted account '' denying me access to my income. 

On XX/XX/2021 I received an email from Citibank indicating that my All of my accounts are now restricted from receiving deposits or credits, effective immediately. I noticed there was an issue with my account on XX/XX/XXXX after a wire transfer that I had just successfully submitted was cancelled. 

At the the time Citibank decided to restrict my accounts I had a balance of {$12000.00} in the account. 

Despite the claim by Citibank that my account was restricted from receiving deposits, when my employer last week accidentally submitted a direct deposit to that " restricted account '' ( I had already successfully changed the direct deposit bank ), Citibank still went ahead and processed the check of the amount of {$3200.00} into the " restricted account. '' This happened on XX/XX/2021. XXXX week after restricting the accounts. 

This action by Citibank is denying me access to my income I rely on to pay my bills including mortgage due today. 

Since XX/XX/XXXX to day, I have called Citibank multiple times to find out the specific issue that resulted in the accounts restriction. However, I am always redirected to Electronic Fraud Depart where they do not tell me what issue caused the accounts to be restricted. At least XXXX times, the agents hang up on me and yesterday I was kept on hold for more than an hour for a call that lasted more than XXXX hours when I asked to speak to a supervisor/manager. 

XXXX of the Citibank Agents I spoke to yesterday, XX/XX/2021, was dismayed how it was possible to accept a check into a restricted account. I also spoke to XXXX other agents who promised to file internal complaints on the actions of Electronic Fraud and How I was treated on my calls to Citibank. 

Citibank Agents flatly refused to tell me how they accepted the deposit yesterday into the account they claim to have restricted!
Product: Credit card or prepaid card

in XXXX  2016 I reported my card stolen ... XXXX XXXX XXXX said and I quote., the banis the victim..XXXX was taken from my card, In store camera shows the people that took my money off my card at a XXXX XXXX in XXXX ca. and I was told oh well..im XXXX  and that was my rent money..now I'm still XXXX, and I feel cheated..i was a victim of these people and no one was punished and I wasn't reimbursed..my dispute was denied 3 times when I was stole from and I feel that is wrong ...
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. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently i received a copy of my credit report which showed Inquiries & Accounts i didnt not authorize. I understand and aware that you should not put an inquiries or accounts on my file unless i have approved it. I have provided you with the information and the a previous police report i sent a few months. Your company never responded and i am now stressed, bothered, and XXXX. I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries and accounts removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiry accounts : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized account & inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely XXXX XXXX
Product: Debt collection

I received multiple phone calls from the number XXXX, which is associated with Porfolio Recover Associates. They are a debt collection agency. However, it is impossible to have any outstanding obligation, as I do not have any transactions in my name. All of our purchases are made with credit sources in my husband 's name.
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the FCBA, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX, XXXX, XXXX XXXX, XXXX Incorrect DOB : - XXXX Incorrect Current Address : - XXXX XXXX XXXX  XXXX, NJ XXXX Incorrect Current Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, RI XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, RI XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Employer XXXX XXXX XXXX  XXXX NA Listed below are the Accounts that are being challenged XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX  XXXX XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX XXXX  - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  XX/XX/XXXX2022 Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I have noticed that there are inaccurate debts being reported on my consumer report. Under Fair Debt Collection practices, I am asking for the debt to be validated. Please provide me with a breakdown of all charges, dates of service, and procedures. 

I am allowed under the HIPAA LAW to protect my privacy and medical records from third parties. This is also a violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports the credit reporting agencies sharing my information. I do not recall giving permission to release my medical information to a third party to the following medical companies below : XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ), HIPPA does allow for limited info about me but anything more is to be revealed with authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this personal statement to address the presence of inaccurate personal information on my credit report. It has come to my attention that certain items listed on my report are not reflective of my financial history, and I strongly believe they are a result of errors or identity theft. As a responsible consumer, I regularly monitor my credit report to ensure its accuracy and to protect myself from any potential fraudulent activity. Upon reviewing my recent credit report, I noticed discrepancies that do not align with my financial behavior. I have no knowledge of the accounts mentioned, and I firmly dispute their validity. As a victim of XXXX, transunion and the dark web, I am being impacted with misspellings of my name, fraudulent inquiries, addresses that is causing me issues in keeping my reports and my name credible. Anything I've not authorized, or approved, even what is incorrect is fraudulent with my information being exposed by the Credit Bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and decided to close it in XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I closed the account, they said the balance was {$130.00} and I paid it right on the spot so it was paid in full and closed. I never heard from them again. 
Now on XXXX XXXX XXXX went and posted a XXXX delinquent on my credit report for {$4.00} this bringing my Transunion credit score down XXXX points, I called them and their answer was after it closed there was small interest due, I told them once I paid you in full and you closed the account you can't go ahead and add interest on a closed account. Now this was closed in XX/XX/XXXX and they just posted this on my credit in XX/XX/XXXX. I am right in the middle of getting a mortgage and if they don't clear this error off my report I will lose the funding, lose the house we are purchasing and ready to close on and have a heap of trouble with the people we are selling our home to, all of this because of a {$4.00} error on their part that they don't want to take responsibility for. I need help or I'm going to lose the houses and thousands of dollars. 

Thank You