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

Equifax changed the name on my credit report. I have documentation that up until a few months ago, the name on my account was XXXX XXXX XXXX XXXX XXXX. I had legally changed my name from that to XXXX XXXX XXXX XXXX 14 years ago, and the other two companies have my current legal name. Equifax had the name that my parents gave me that had been legally changed and was no longer current, although identifiable. I sent documentation and requested they update to my current name ( dropping the XXXX ). They did not do that. Instead they changed the name to XXXX that is not my current nor my former name, and not identifiable. I asked them to fix it. They denied doing that, even though I have letters from Equifax showing that just recently my name on their records was different and now is this new, not my name, name. They said they are unable to fix it unless I can provide documentation proving that I changed my name from the name they currently put on my account, which is not my name and has never been my name. I can't provide documentation that I changed my name from that name because that has never been my name. I would just like to have my own name on my personal credit report. They have been dishonest with me and refused to resolve the issue. They insist that they didn't change the name on my report and couldn't do so, but it is demonstrable that they did. They also verified they received my documentation showing my current legal name when I made the initial request to update, but refused to look at it to confirm what my name is. I am very concerned that they are able to change my name to something wrong ( most likely a human processing error ) without any evidence, and are uninterested in looking into and resolving the issue. I would just like my name on my credit report so that I can move on with my financial affairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted TransUnion about the following negative accounts XXXX  XXXX XXXX ( Balance : {$74.00} Balance Updated : XX/XX/2022 ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

As a consumer Ive taken the necessary steps to obtain information on my credit reports from all the reporting agencies. Transunion in question was made aware by way of dispute that information in my credit report was incomplete / inaccurate and also violating major federal consumer laws. Transunion used E-Oscar and Metro 2 systems to process my dispute which were not compliant with federal laws. Under section 611 ( a ) ( 5 ) ( a ) of the Fair Credit Reporting act. A reporting agency may not reinsert information that was previously removed without contacting and updating the consumer with that information first. This account with XXXX XXXX XXXX XXXX was disputed for inaccurate information/ Non compliance violation of the law and was removed in XXXX XXXX. On XX/XX/year> it was reinserted into my report without prior notification from Neither parties. The information was removed factually and had been placed back illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps validating a medical collection from XXXX XXXX XXXX in the amount of {$250.00} on my report. Equifax has " validated '' it after each dispute, and i have disputed three times. But they have yet to show me how it is my collection, how it belongs to me, etc. I have disputed this account three times. This is not my account, i dont know who it belongs to. The creditor has never reached out to me. It is medical and under {$500.00} and just showed up in XX/XX/2022. They are incorrectly, and knowingly improperly reporting a collection on my credit report. 
I previously filed a CFPB complaint, that you closed, when Equifax only responded to the complaint that i filed a dispute. 
i am tired of filing disputes. this account is NOT MINE, has not been proven to be mine, and it is medical and under XXXXXXXX XXXX. it needs to be removed from my report immediately.
Product: Credit reporting or other personal consumer reports

These late payments don't match my usual on-time record.
Product: Debt collection

Says I had a loan in 2023 for XXXX $ I don't remember getting loan
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax not only suffered a security breach for several months, they neglected to notify affected parties in a timely manner. They also are only offering a single year of identity protection, and persist in charging for credit freezes to mitigate damage going forward.
Product: Credit card

Discover Bank closed my credit account because my bank denied a payment from discover that appeared suspicious. After attempting to use my credit card is when it was apparent something wasn't right. I called Discover and to my surprise they had closed my account voluntarily because of a missed draft payment. After requesting more information on why they decided to close an account that wasn't even a week late just didn't seem fair. I wasn't even given an opportunity to call my bank and confirm indeed the payment was authentic, they just took it upon themselves to close the account and demand that I was still obligated to pay the balance off as soon as possible. I requested that they at least remove the account from the reporting agencies since the account was voluntarily closed, but was met with the response of " we are under no obligation to provide any resolution to this issue. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage lender can not pull my credit report form Equifax. Has tried multiple times. The first on XX/XX/20, XX/XX/20, and again on XX/XX/20 She is getting a message saying " input SSN mismatch : does not match what Equifax has on file. 

I spoke with Equifax for 2 hours on XX/XX/20. They assured me they had the same information and erased an alert on my account. They told me my lender should have no problem pulling my report going forward. However the next day she got the same message. XXXX  and XXXX  come through fine. 

This issue is holding me up from getting approved for a mortgage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Request for Removal of Collection Account Due to CFPB Lawsuit, Harassment, and Dispute Letter To Whom It May Concern, I am writing to request the removal of a collection account from my credit report. This request is based on the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX XXXX XXXX  alleging deceptive practices in their lease-to-own agreements. 

Additionally, I have experienced repeated harassment from XXXX. The first call I received was on XX/XX/XXXXXXXX XXXX XXXX XXXX followed by another on XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX called me first and then proceeded to call my wife. During the call with my wife, they made threats to process paperwork against me. This unprofessional and intimidating behavior violates fair debt collection practices. 

I have previously sent a formal dispute letter regarding this matter. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I may be entitled to up to {$1000.00} in statutory damages for XXXX violations of my rights. 

Given these circumstances, I believe the collection account is inaccurate and should be removed immediately. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Military Star Card- {$3400.00}, in this account the last payment was done on XX/XX/year>, for {$100.00}, 2023. I spoke to a representative on XX/XX/year>, regarding making payments to my account. My account was sent out to collections the next month, and legally was not given the proper notice to make payments and have sent my account out to collections. In addition, I provided my new address which is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX as of XX/XX/year>. I spoke to the collection agency on XX/XX/year>, they have requested a Military Start Card History payment to the collection agency and for my records, no documentation has been provided. 

In addition, I tried to make payment when it was in-house in the collection department, and they said it was too late within 1 month it was sent to a third-party collection agency. Payments had been made for those XXXXwo prior months. I do understand how legally my account was sent out to collection within the next month after payment. They were by any means trying to help me keep it inhouse and I spoke to 2 of their associates at the Military Star Card Collection department.
Product: Prepaid card

I received an AMEX gift card on XX/XX/year>. The website has instructions that the card can be used online or added to my XXXX XXXX to be used online. The website also said I could use my card physically in store. The website also explicitly says that if I type my name and address that I will be able to use the card but this is not true. On XX/XX/year> I attempted to add the card to my XXXX XXXX XXXX XXXX XXXX and the card would not connect. I attempted to connect it to XXXX or use it to purchase a money order to possibly send the balance to my bank account, this failed. On XX/XX/year> at XXXX I called AMEX gift card customer service and asked to verify the billing address for the card because it is virtually impossible to use otherwise. They said they could not connect a billing address to the card at all which is not which the instructions say. They said I would have to use the card online with sites that did not require a zip code or I could use it in person. I asked if I could receive a physical card to swipe for in store purchases. I was then told that they would not send a physical card and I could only use it physically if I was at a place that allowed me to type in my card number which I have never experienced. I have a balance of {$1500.00} that I received that is sitting on this gift card that is virtually impossible to use. On AMEXs website when you go to purchase a gift card it states, Widely accepted Accepted virtually everywhere American Express Cards are accepted in the XXXX and I was told I could use my own address but this is extremely untrue.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate 1 : ONE MAIN Account Number : XXXX Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX : XXXX XXXX Account Number : XXXX. Please remove it from my credit report. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate
Product: Credit reporting or other personal consumer reports

Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.
Product: Credit reporting or other personal consumer reports

Hey I really think something is wrong here I recently checked my credit report and Im continuously seeing inaccurate and inconsistent information on this account and Im just requesting for you to please take some time to look into these inaccuracies please. I do understand stand that you have 30 days to reply I really look to hear from you
Product: Debt or credit management

I applied for 2 credit cards on credit karma shortly after getting a card I was guaranteed to get. 
There is a guarantee of approval for cards listed by credit karma, or it says that XXXX WILL PAY {$50.00}, TO BACK UP THEIR CLAIM. 
THEY OWE ME {$100.00}. 
I DID NOT GET APPROVED. 
I COULD NOT FIND ANY WAY TO CONTACT THEM ABOUT IT. 
THE DETAILS ABOUT THE GUARANTEE SAY ID RECEIVE AN EMAIL WITH STEPS TO GO ABOUT GETTING PAID WHICH I HAVE NOT RECEIVED
Product: Student loan

I have been in chapter XXXX since XX/XX/2011. The case was turned to chapter XXXX and discharged last year. I have been waiting to receive repayment instruction from the bank on this loan. Nothing yet. Yesterday I get a harassing call from a collection agency, XXXX XXXX XXXX. I am willing to go on payment plan and repay but ca n't afford lump sum and do not want to deal with collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX  data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This CFPB complaint is a follow-up to the one I previously filed with the agency. I wrote to the credit bureaus on XX/XX/XXXX, asking them to delete the following fraudulent accounts and information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA 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 ; that I DO NOT KNOW. According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit reporting agencies are obligated to erase and ban any accounts and information not later than 4 business days after XX/XX/XXXX. I ask that you kindly comply with this requirement. I have mentioned this in complaints # XXXX, # XXXX, and # XXXX and I'm including it again now.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX XXXXXXXX Account Number ending in XXXX with Equifax which is reporting as a Charge Off. Charge offs are to certificates of indebtedness according to the IRS Publication and income should not be reported on my credit. The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Equifax ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Equifax, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option.

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Finally, 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXXXXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

5. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

A levy was placed on my account by the State of Indiana. I was able to get the levy removed and the funds were supposed to be released back into my account. {$830.00}. Bank of America claims that they sent the state of indiana a check. I was able to confirm with the state of indiana that the check was returned to bank of america on XX/XX/2023. bank of america claims that they still do not have it. I have asked for them to stop payment on the check so that the funds could be placed back into my account. Bank of america refused without a conversation with the state of indiana. Bank of America refused to reach out to the state or indiana regarding the check. I was finally able to get someone from the state of indiana to contact bank of america 's legal department to advise them that the check was sent back and to stoppayment on the check and put it in my account. The legal at bank of america has now promised on 2 different occassions that this would be completed within 2 business days. They keep making promises to stop payment on the check but i still do not have the funds. Please help.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, unauthorized inquiry violates 15 U.S.C 1681b permissible purpose as well as the Privacy Act of XX/XX/1974.
Product: Debt collection

I called XXXX XXXX XXXX at least five times last month attempting to get a settlement figure on a debt from 2014. 
Their response each time was that they hadnt finished calculating the total debt which I interpreted to mean they wanted a blank check to attempt to get as much as they for a debt they likely paid pennies on the dollar for.
Product: Credit reporting or other personal consumer reports

Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders. Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report. I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion. Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA. Thank you for your prompt attention to this matter. I look forward to your timely response. Thank you so much for your time.
Product: Mortgage

Hours were reduced at work due to economy after the XXXX  bank troubles.