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

My family and I were affected by Hurricane Ian and Nicole during the months of XXXX and XXXX in 2022. I called bank of America on XX/XX/2022 and Spoke to XXXX to explain my situation and hardships with payments due to the hurricane and he advised me that the late fees would be removed from my credit card account and no late payments would be reported to the credit bureaus. My credit report has a late payment for the month of XXXX. I tried to dispute this with Bank of America multiple times and they will not remove this from my credit reports. Even with the difficulties we endured during this natural disaster I still made payments on my account in XXXX and XXXX. I have been banking with Bank of America for almost 10 years with my oldest credit card account of 6 years and not a single late payment with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a zero balance. These reporting errors are unacceptable, and I demand they be corrected immediately.

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : 1. Drew v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications.

2. Ramirez v. Equifax, LLC A {$60.00} million settlement was awarded due to failure to properly handle disputed information and identity theft claims.

3. Jenkins v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX ( Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} ) Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account. 


2. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

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

I am XXXX XXXX XXXX  and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX : XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXXL Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX  BALANCED {$0.00} XXXX XXXX XXXXXXXX BALANCED {$12000.00}
Product: Payday loan, title loan, or personal loan

I open a business account with Truist bank I spoke with business department to apply for their No/Doc line of credit in which I was totally eligible for.the first issue was instead of her just letting me apply she tried to get me to apply for loan that requires collateral after I tell her that not what I wanted she sent me an application for XXXX lower than what I asked after she finally fix that she sent email stating I was denied for delinquent credit history under law 15 USC 1691 ( a ) 3 I cant be denied credit or loan because law 12 USC 1431 Banks cant loan money they are borrow
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX XXXX reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX has violated my rights I have no accounts attached to these inquires and have not requested. I also reached out to the credit bureaus and have not received any assistance in these matters. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I got the American Express Everyday credit card after being told BY THE COMPANY and it's advertising that it offers balance transfers without an extra fee and no interest for a specified number of months. When I got the card, it was only for {$1000.00} instead of the {$5000.00} limit advertised and then I was told on the phone I could get a balance transfer of up to {$750.00} but when I tried I was told they were not available for this card. That is fraud, misuse of my credit, bait and switch and fraudulent inducement. They are a bunch of crooks. I want my credit hit back, my balance transfer and/or compensation for the damage to my credit rating and reduction of credit I could have obtained anywhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference : XXXX, XXXX and XXXX # 1 XXXX XXXX XXXX XXXX TX This company is reporting that I owe them almost {$4000.00} for XXXX XXXX School opened in XX/XX/2018 1 ) I have NEVER attended this school 2 ) I do not have any student loans with XXXX XXXX school. 
3 ) XXXX schools across the country was CLOSED by the federal government several years ago for procuring fraudulent student loans under unsuspecting individuals names. 


# 2 TFC Credit Corp This company is reporting that I have a 'closed ' student loan account with them that is 119 days past due. 

1 ) I have NEVER attended any school that has a loan with them.

2 ) I do not have any school accounts.

This two companies above are reporting fraudulent accounts. Both need to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account. XXXX did not verify the following key information : Payment status Amount past due Worst payment status Times 30/60/90 days late Minimum monthly payment loan terms late payment dates any payments made and when
Product: Debt collection

I have been called several times a day everyday about a medical debt I know I paid. The calls come from Credence Resource Management at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX. The phone numbers they use change everyday. The last four from just today and yesterday have been XXXX, XXXX, XXXX, XXXX. Its all Credence Resource Management. I have spoken to them several times and explained the medical bill was paid by a third party. It does not show up on my credit report.
Product: Credit reporting or other personal consumer reports

My XXXX was hacked a year ago.. I made a call and dispute but the problem was never investigated properly. 
Experian is going through lawsuits due to not properly investigating disputes and not properly reporting credit scores.. I have issues still on my credit report that should be eliminated.
Product: Mortgage

I made a payment on XX/XX/XXXX which I was not credited I sent bank statements as proof but is been more then three months and still no answer
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to TransUnion, was informed that inquiries couldn't be disputed and would stay on my profile for 2 years. Requested fraud dept. no help. Advised that I must prov theft report. Dispute mailed to bureau on XX/XX/2020. Would like inaccurate inquiries removed.
Product: Credit card

I applied on-line to Citibank for a Thankyou Preferred Master Card in late XXXX 2015, under an offer to receive XXXX bonus points by spending {$1500.00} within 3 months of the card account being opened., I received the master card in early XXXX, and I made a purchase of {$1700.00} on the card on XXXX XXXX, 2015. 
I did not receive the XXXX bonus points as was advertised. Upon inquiring on this, I was told that my account was opened through a solicitation which offered a {$100.00} XXXX gift card after completing {$100.00} in spending with XXXX within 3 months of card membership. 
I do not recall receiving this solicitation. In fact, it was the on-line offer for the XXXX bonus points which enticed me to open the Thankyou Preferred Citicard. This offer is still available on-line as of today. 
I was told by Citibank that I had to provide proof of having applied under this offer in order for them to do anything. I can not do this as I did not print a copy of the on-line application I completed. Given that I specifically applied for the Thankyou Preferred card, despite there being multiple offers for other Citibank cards, I certainly did not anticipate that they would later refuse to credit the XXXX bonus points once I completed the terms of the promotional offer. 
Why would I have spent {$1700.00} soon after the credit card being opened, and nothing else since? 
All Citibank has to do is confirm that the XXXX bonus point offer was in effect when I applied in late XXXX 2015. For them to refuse to credit the bonus points and instead tell me that my account was opened under a different offer is incorrect, and guilty of false advertising. 
I hope you can assist me in resolving this matter. 
Thank you.
Product: Debt collection

On or about XX/XX/year> I sent the Chief Compliance Officer of MIDLAND CREDIT MANAGEMENT ( MCM ) a correspondence regarding information I discovered on my consumer report. As of XX/XX/year> MCM has not responded in the allotted FDCPA time frame, which violates my federally protected consumer rights.
Product: Mortgage

We have an equity home line of credit with Citibank and it was modified a few years ago. First when we did the modification, I was told to pay a certain amount each month and we paid the amount we were told to pay, I later found out even thou we paid what they told us to they reported us as paying late on our credit reports. When I called to complain they said because we did not pay the original payments they had to mark us as late. This has really effected our credit score. Now they claim the modification is over and they have almost doubled our monthly payment, it went from about {$800.00} to almost {$1500.00} per month. We are trying to refinance to just be rid of this account. But meanwhile we have to make these payments. For some reason the loan is split up into XXXX account numbers. so first I must have sent a payment in XX/XX/XXXX and only referenced XXXX acct number so they said we did n't pay the other loan. I called to complain and they did move the funds. Now I received another late fee for XX/XX/XXXX and when I called they said they did not receive a payment for XXXX of the accounts. The payment is was due on XX/XX/XXXX. I sent XXXX payment on XXXX XXXX and they said it was applied to the XX/XX/XXXX payment as principle when I explained that it should have gone towards the XX/XX/XXXX payment they said there was nothing they can do. I asked to speak to a supervisor and was told there were no supervisors working and that I had to call back during the week. I am very upset that these banks can just do whatever they want with these accounts. I want the late fees all reversed.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated that my XXXX XXXX account was properly investigated, but how is that possible if the High Balance is inaccurate, the Last verified date is inaccurate, Date Reported is inaccurate, the Date Opened is inaccurate, the Closed Date is inaccurate, the Creditor Type is inaccurate, the Creditor Remarks are inaccurate, the Last Payment Date is inaccurate, the Account Type is inaccurate, the Credit Limit is inaccurate, and the Date of Last activity is not accurate, each of these are a SEPARATE VIOLATION. They also UNLAWFULLY reported COLLECTIONS on my payment history in these months and years XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each of these dates are a SEPARATE VIOLATION. Because of the multiple inaccuracies on my credit profile which have negatively impacted my credit I have been unable to find housing and transportation for myself and my child! This is grounds for removal. They also violated my rights under 15 U.S.C 1681 section 602 A.

States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried everything to get my experian credit score to go up. I have had late payments in the past, but have paid off ALL my debt. I have low revolving credit lines and have history. When I have tried to contact the company to discuss the issue, they say they can not help. My XXXX  and XXXX have jumped over XXXX points and experian, nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : 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 card

On XX/XX/year> around XXXX, I made a cash payment of {$1800.00} at Chase bank drive thru atm machine located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX. In the process of the machine counting my money. The atm machine crashed and restart its system taking my money and not giving me any type of receipt. I then panic and walked to the drive thru window asking a white male employee for help. He assure me that this happens sometime and not to worry as the machine will have my money and not spit out my money to the next car driving up. He told me to come inside the branch. I came inside the bank and was helped by an XXXX American employee. He then called Chase on the telephone because he said no one in the bank can open the atm machine. The employee must had mistaken the amount I told him because he claimed the amount on the phone was {$1700.00} and it was suppose to be {$1800.00}. Anyways, I got a temporary credit of the amount but now it has been over a month and they reversed the credit saying they didnt see my cash payment. I told them to check the camera and audit the atm machine. I will not have my hard working money stolen from Chase.
Product: Checking or savings account

I have deposited Check for the amount of {$13000.00} on XX/XX/XXXX and its been cleared as of today XX/XX/XXXX, this payment was part of Profit Sharing from the company ( XXXX XXXX XXXX ), they suspect its a fraud, the checked have been cleared and also deducted from XXXX XXXX XXXX XXXX XXXX XXXX. 

They Shutdown my account since they could not contact the authorized person of XXXX XXXX. I have been banking for a while and have direct deposit with them, never do anything shady whatsoever and they decided to close my bank account only because of this one large deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report I saw that XXXX XXXX reported my balance increased by {$67.00} from XX/XX/XXXX to XX/XX/XXXX. NOW HERE IS THE IMPORTANT FACT : XXXX XXXX XX/XX/XXXX WAS THE SAME AS XX/XX/XXXX not {$67.00} HIGHER. Now they tried to explain I didn't make a payment in XXXX, that is right. I made it XX/XX/XXXX. The {$67.00} was the interest that accrued since I made the payment in XXXX. But the thing is : the balance at the end of XXXX was still the same or less than on XX/XX/XXXX. So why report that the account balance increased. 

HERE IS ANOTHER IMPORTANT QUESTION THAT NEEDS TO BE ANSWERED : THE BALANCE ON XX/XX/XXXX, DOES IT NOT INCLUXE THE ACCRUED INTEREST FOR THE MONTH OF XXXX? I BELIEVE IT DOES INCLUDE THAT INTEREST OR THE BALANCE WOULD BE LOWER AND NOT THE SAME. SO WHY REPORT TO THE CREDIT BUREAUS THAT THE TOTAL DEBT ACTUALLY INCREASED BY THE ACCRUED INTEREST. 

These types of shenanigans hurt a person 's credit file and are injurious when a person seeks credit. The creditor sees an increase instead of a decrease in the debtors record. 

Shame on XXXX XXXX Over the last year I HAVE CLOSED MY CHECKING, SAVINGS, AND CREDIT CARD ACCOUNTS WITH THIS COMPANY. 

Once again : SHAME!