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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Complaint Against Equifax for Violating Fair Credit Reporting Practices Dear Sir/Madam, I am writing to formally file a complaint against Equifax regarding their failure to accurately report my credit information, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681 relating to the accuracy and fairness of credit reporting. 

Despite my consistent and timely payments on my XXXXXXXX XXXX XXXX I have noticed that these payments and my corresponding credit score have not been reflected accurately on Equifax 's credit report. This lack of accurate reporting has adversely affected my credit standing and overall financial well-being. 

Enclosed are screenshots and documentation that support my claim, clearly showing the discrepancies in my credit report. It is crucial for consumer reporting agencies to fulfill their responsibilities with fairness and respect for consumers, as emphasized in the findings of Congress. 

I kindly request that your offices investigate this matter and take appropriate action to ensure Equifax rectifies these errors and upholds the standards of fair credit reporting. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT UNDER LAW 605B ALL FRAUDULENT ITEMS MOST BE BLOCKED AND REMOVED. THE ATTACHED PAPERWORK SHOWS ALL FRAUDULENT INFORMATION IN DETAIL, PLEASE READ FTC REPORT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts have been opened and reported on my credit file without my authorization. Despite previous disputes, these accounts remain on my credit report, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Per FCRA 15 U.S. Code 1681c-2 ( Section XXXX ), I am formally requesting the immediate and permanent blocking of the following accounts from my credit report. These accounts are the result of identity theft, and I did not authorize them. Under the law, the credit reporting agencies must block these accounts within XXXX business days of receiving this report and supporting documentation. 

I have attached all necessary documentation, including my FTC Identity Theft Report, proof of identity to verify my claim. Failure to comply with this request will result in further legal action, as withholding fraudulent accounts is a direct violation of my consumer rights. 

I demand that these accounts be removed from my credit file immediately and that I receive written confirmation of the deletions.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXX XXXX Balance : {$710.00} ; XXXX  XXXX XXXX Balance : {$2000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I notified credit bureaus seeking verification on 3 bankruptcys that has been reported. XX/XX/2021 credit report stated that the verification was verified from bankruptcy court. I went to Bankructy court in person inquiring on court reporting to credit bureaus pertaining to bankruptcy. Court gave me letter stating that the court doesnt not report any information pertaining to my case. XX/XX/XXXX, I sent the credit bureaus a copy of the letter that I received from bankruptcy court stating that the credit reports was untruthful and I asked the bureau to remove inquiries, however they did not. # XXXX
Product: Debt collection

Repeated calls even after sending and receiving confirmation of receipt of a cease and desist order. 

Cease and desist sent : XX/XX/2019. 

Confirmation received : XX/XX/2019. 

First subsequent call : XX/XX/2019. See attached email chain. I responded to the call via email, including the Cease and Desist order, copied the NY and Virginia State Attorney 's General, and The Virginia State Attorney General 's Office acknowledged my request to Portfolio Recovery Associates and logged my complaint. 

Second subsequent call : XX/XX/2019. I responded to all again requesting the Cease and Desist order.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  is not my account. This account does not belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. Therefore this account must be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX XXXX OF FIRST CHARGE OFF ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 
I am demanding a deletion of the following account : Accounts Name - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter regarding inaccurate and unknown items on my credit report. Embarking on 60 days later I have not received one word about my inquiries about my credit. I feel like I'm being taken advantage of and ignored about my disputes. Section 611 ( a ) it plainly states that failure to address these items within 30 days gives a reason to immediately remove those items from the credit report it will be 60 days soon. These items should be deleted promptly. I demand that these items be deleted immediately or I will file for litigation do to the stress this has caused me. My information was also compromised by the Equifax data breach as well as a my information being taken as shown in the police report attached and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the banks regarding this late payment, and they have approved updating the accounts to " closed or open/never late. '' The banks have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX called and did not identify her title or business. 
She went on to ask me for personal information regarding my address and other identifying information. I stopped her and asked who she was and with whom she was employed by. She spurted out Credit Management and then went right back into asking me personal questions. I stopped her again and asked what kind of business she was calling in reference to. She refused to answer until I confirmed sensitive information. By this time I Googled this company and discovered it was a collections or lawyer looking for debt reconciliations. I told XXXX that she should have identified herself by title and her business name before asking sensitive information. She said that was not required by collections companies to collect debts. She then proceeded to tell me that since I won't give her my personal information that she will hang up. She hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the three credit bureaus, XXXX Equifax and XXXX on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

XXXX as well as Transunion both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/2018. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.
Product: Credit card or prepaid card

Bank of the America, which is the Bank I use for banking for over 10 years, for some reason it is showing that they ran my credit report in XXXX i tried to ask them why was that in my credit report and they refuse to give me a reason why they ran my credit. Since they refuse to let me know what happened there, I just believe this was illegal since I gave no permission, so I want to dispute this from my credit report. 
BK OF AMER Address XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit card

HELLO US BANK, I'VE BEEN IN YOUR BRANCH 2 TIMES AND LET YOU GUYS KNOW THAT I DON'T OWN THE {$500.00} CREDIT LIMIT ACCOUNT FROM YOU. YOUR BANKER CALLED AND VERIFIED THAT YES THIS ACCOUNT NOT MINE. SHE ADVISE ME TO DISPUTE WITH BUREAUS. I DID IT ALSO HAVE POLICE REPORT IN HAND AND FTC REPORT. BUT XXXX KEEP SENDING ME THAT YOU GUYS VERIFING THIS ACCOUNT AS MINE. PLEASE INVESTIGATE AGAIN AND SEND THE RESPOND TO THIS XXXX XXXX FOR DELETION. POLICE REPORT AND FTC REPORT WILL BE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation in my Transunion report . This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

My account with NAVY FEDERAL CREDIT UNION was never late. I have had exceptional payment history with NAVY FEDERAL CREDIT UNION and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/2024 REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

NAVY FEDERAL CREDIT UNION Never Sent the
periodic statement along with the DISCLOSURE from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX  and It was never provided.
This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On friday XX/XX/XXXX i received a refund from XXXX of {$290.00} using Paypal as the way i pay for the service. Cause i had a opened request from XXXX. Paypal hold the payment for the amount of {$230.00} without my permission ; ask or way to solve the problem. Cause that money wont belong nobody but me i think like customer im naked without any protection. I tried to contact the parts but like u already know Paypal and XXXX had shadys ways to help u. Im very frustrated cause i lost the money and i want to help other people dont have to suffer this experience. We need like customers any kind or regulation of those websites, theyre work in completely free will.
Product: Credit card or prepaid card

On XX/XX/2020 I received an email from American Express Serve that I had received my {$1700.00} stimulus check. I had realized that I didnt have the card & I immediately tried to call the customer service line but the automated prompt doesnt allow you to speak to a representative unless you have your card information, which of course, doesnt help at all for people who have lost their card. So I call the American Express customer service line & ask a representative to connect me to a representative in Serve & the call was either being disconnected after 2 hour long holds or after just a few minutes. With this virus going on, I understand that wait times are increasingly long because I am definitely not the only person with this issue but I need that money, Im a single mother & had I known these checks would be deposited into an account I didnt have access to I wouldve done my best to give them the correct bank information.
Product: Student loan

As a result of the CFPB directive for the entities to create robust systems for evaluating borrowers claims of school misconduct, I applied for the private loan borrower discharge application in XX/XX/XXXX and reseived the denial notice in XXXX XXXX. The denial letter did not give me an actual reason and cited " various factors '. I called Sallie Mae/Navient now Mohela and they could not give me any more information. I attened XXXX XXXX XXXXXXXX and had my federal loans discharged as part of the XXXXXXXX XXXX XXXXXXXX XXXX I provided the same information and more on my appplication so I am frustrated that they could not give me any guidance on what to enter in order to submi a new discharge application. My private loan is $ XXXX at a XXXX % variable apr, taken out in XXXX. The I asked for a historicak payment allocation to see how much I have paid in the life of the loan and they instructed me to review my statements. I have been making payments on $ XXXX off and on for XXXX years and they can't tell me how much I've already paid ... this is insane.
Product: Money transfer, virtual currency, or money service

Canceled my account with no reason given other than that I have to view user agreement and also would have to obtain a court ordered subpoena to find out why This is through PayPal and the email used is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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 states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 c ( A ) without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Debt collection

On XX/XX/2020 i went to a store XXXX XXXX to purchase furniture. I bought two items totaling {$850.00} as i was going to pay i was offered a 3 month payment plan through their creditor Acima. I accepted it and was aporoved for {$1700.00} line of credit. I paid {$50.00} out pocket that day. Then they set up my payment plans to XXXX monthly for the mentioned time of 3 months. Calculating the payments they did not add up to the total amount, but i had no way of contacting thr company, other than the seller. My contract was not sent to me via email nor eas it uploaded on.the website. Til almost the last month when i had to update my card info, and they contacted me i was explained that my remaining balance was way more than what i bought. The reason being that was supposed to pay the remaining amount without knowing to cover the total amount purchased in 3 months. This is a fraud because they intentionally put my monthly payments to XXXX instead of the amount totaled divided in three. This being because if the total was not payed the amount of XXXX would extend 12 months more without notice. I was never noted this from thee seller nor the company. A {$850.00} total now is being added {$1000.00} plus tax. I believed i was lied too, to lure me in their system by falsely promoting a 3 month pay system when they intentionally make it not payable in the 3 months mentioned and extreme interest maki g them gain so much from their clients. Im sure im not the only one. This company needs to be stopped. Its not fair that during these hard times companies like this one are taking advantage of us by falsely advertising promotions.
Product: Debt collection

Collection agency sent me a demand letter on XXXX XXXX, XXXX giving me 30 days to dispute. I notified them I had no knowledge of this bill with XXXX and that it was fraud. I contacted XXXX and they confirmed it was fraud. On XXXX XXXX, XXXX I sent the collection agency my police report, my proof of address when the outcome was opened, my ID card, and my notarized XXXX fraud affidavit. The collection agency notified me the same day that they would forward everything to XXXX to get resolved. At this point this item was not on my credit report. I never heard/received anything further from the collection agency. On XXXX XXXX, XXXX I pulled my credit just to check to make sure nothing was reported, however to my disbelief the collection agency was on there as of XXXX XXXX, XXXX. Not only did the collection agency never provide me with documents proving I owe the debt, but they also reported this negative item to my credit report prior to my 30 day dispute timeline. Not only that, but they also reported this to my credit even though they were aware this was fraud.
Product: Money transfer, virtual currency, or money service

A wire transfer was completed with my savings account at Citizens Bank that WAS NOT authorized by me. When I filed the claim for wire fraud, I was not credited due to their investigation claiming fraud did not occur. When I called the customer service line to request documentation, I never received any documents in the mail. I went to my local branch, who reviewed my claim, and stated my claim was not processed because I have previous history with wire transfers and similar amounts. The branch XXXX reviewed my account and confirmed he didnt see any wire transfers with my savings. I have never used nor authorized a wire transfer from my Citizens Bank accounts. I have had several larger deposits and withdrawals, but I was well aware of that activity and in contact with Citizens Bank.
Product: Debt collection

XXXX XXXX has attempted to take me to court for a wage garnishment from a debt I fell behind years ago ( Early-Mid XXXX ) due to job loss./possibility of homelessness. 
I rightfully would receive an exemption due to having received government assistance within a 6 month time frame and filled out a form stating such. 
I also currently work for a XXXX XXXX XXXX and am unfamiliar with the legal system so there was miscommunication regarding the paperwork for the garnishment with said company I work for. My checks were then garnished ( before the court made a final decision ) and XXXX XXXX began continuously receiving money from my checks despite my attempt to contact them to explain this. The head branch manager at the XXXX location refused to return any funds to me and threatened to sue me again even if the judge does find me exempt for that moment. I've even mailed proof of why I'm exempt but found out in court ( late XX/XX/XXXX ) they were not going to even present it because the attorney they sent was very unprepared and knew nothing about my case. They still ended up receiving up to {$600.00} and I requested a refund of this which the person ( head branch manager ) responded to with a " sure ''. I've not heard back since but I do see that they have initiated yet another attempt to wage garnish me. They have not even updated the amount that was originally owed to reflect the funds they should have never received from the beginning. I've received nothing but rude and condescending treatment from the head branch manager but most importantly can't believe they would follow through with illegal and immoral practices in attempts to collect a debt that would be considered " small '' given that they are a bank.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The EXPERIAN credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive sent many many many letters, police reports, identification verification, all thats been requested and required of me to have these XXXX hard inquiries removed from my credit report and Transunion has yet to work with me they keep lying to me and saying they are removed then they want me to get letters from the creditors made it clear they dont do that.