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

Subject : Complaint Against EQUIFAX for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information.

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, and Equifax. credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XX/XX/XXXX at XXXX XXXX XXXX XXXX 
Addresses that I am also not associated with due to improper use of credit and fraud are listed as follows. 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of last active XX/XX/XXXX There are multiple errors in the listing that are damaging to me including high credit, date last of activity and a date of last payment. Please update for lawful accuracy or delete immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX, XXXX Amount- {$0.00}. Amount- {$0.00}. 

XXXX. XXXX, XXXX. XXXX XX/XX/XXXX. XXXX Disputed the account with XXXX. Was not satisfied with the outcome. Reached out to the company they have no knowledgeable information on the situation. Asking for this closed account to be removed from my credit report!
Product: Debt collection

I have been watching my credit very closely to make sure it does n't have anything negative I was recently informed of some {$21.00} debt by a company mead and associates I was NEVER notified or given a chance to dispute debt
Product: Debt collection

American First Finance spoke to me on XX/XX/XXXX and XX/XX/XXXX. I told them that I couldn't afford to make my payment. They told me to call back when I could. They turned around and charged my bank account on both days without my authorization. They never told me that they would charge my card. They did and still kept harassing me. I have been called on the XXXX, XXXX, and XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused XXXX XXXX to my reputation, my character, my mode of living and to my XXXX! 

I demand the late payment reported on those accounts to be removed. 

They are not in compliance with the following law. XXXX 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 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 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: Debt collection

Years ago I had opened an account with XXXX  XXXX company for credit card to build my credit, they always kept moving up the credit limit and allowing overdrafts even though it shouldnt have been as the limit is there for reason. Anyways one time I had payed down my card and become a victim of fraud via a romance scam. 

I spent weeks on the phone with them trying to get them to understand the situation and the call support workers were very bad at understanding due to their language barrier, I would get them to supposedly open investigation and within a day they said they didnt find fraud even though I explained to them exactly what had happened and sent them the evidence numerous times to their fraud department by mail like they asked. 

Each time they kept saying they didnt recieve it and I had to keep resending copies each time, eventually I gave up and asked them to close and charge off the account. 

They agreed and supposedly did it the same day as I immediately lost access to my account so I threw away the card. 

However I noticed bout a year later they put it in my credit report as charged off and collections for a newer date, I would then dispute and provide evidence over and over but they kept putting back the inflated amount onto my credit report with new dates of supposed closure each time as if it was a new debt. 

This company is well known for their terrible customer service, their terrible scam tactics and harassment as well. 

Do not use these people! They take advantage of XXXX and low income people especially ones who just became XXXX or are XXXX. 

I reported to XXXX credit bureau who immediately solved the issue and removed from report as they had no evidence nor accurate information, however attempting to report to transunion they insist contacting the creditor first despite already doing this months and months and the creditor never solving issue. 

They do not seem to be knowledgeable about any fraud or scam including someone taking your card and running up all the purchases they can on it, you ask for evidence its you and they never provide it because they know its not going to be you on any documentation or video. 

Oh and the state Im in requires collection agencies to be licensed in this state, when I check the website for this collection company they do not have a license for XXXX  XXXX  at all, thus they can not legally attempt to collect on debt here.
Product: Credit card or prepaid card

Card comes up as declined. Web site always says off line, try later. Can not speak to a person. Can not activate my card.
Product: Credit reporting or other personal consumer reports

Am writing to ensure you always have the most accurate information in my credit file at all times. I have highlighted the items below that are inaccurate and need to be removed from all 3 agencies ( Equifax, XXXX, XXXX ) as soon as possible. I sent the corresponding letters to each credit agency in it's perspective to solve this manner. This is the second time sending these letters off, but this time i had each of the letters certified. I also sent a copy of my identification and current address with a copy of my social security card for verification purposes. 

-Please delete the follow inaccurate names : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease delete the following inaccurate addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX SC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and any other addresses that is NOT the address below : XXXXXXXX XXXX XXXX XXXX, SC XXXX -Please delete the following inaccurate employers : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151.

as stated above, I have enclosed copies of my state issued identification and social security number to validate my identity. 

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

I have made multiple complaints against XXXX because they are just not right. It is reflected in the attached letter from XXXX ; Credit card was stolen and 3 fraudulent payments were made on my credit card totaling {$11000.00} in 7 days to continue using the card and grossly exceeding the credit limit of the card. How is this possible with todays technology? If I receive just one bad payment ; thats it, no more. Banks even have better policies and systems in place to protect their customers. In addition, XXXX didnt notify me for permission per Consumer Financial Protect Bureau Section 1026.56 for over-the-limit transactions. If they had notified, I would have said WHOA!!!!! I requested the method of the fraudulent payments to prove the fraud but XXXX simply states in the attached letter we will not be providing the requested information. I was informed this information was confidential information of the thief.?????? My card, my liability and XXXX protects someone who has nothing to do with the card and stealing.????????? The XXXX debt on the credit report belongs to another and is not mine. I did not receive any benefits nor make fraudulent payments or purchases from XX/XX/2017 forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This is a long story that started in XXXX 2009. XXXX of all I am a veteran of 13 years in the XXXX and I am proud that I had the opportunity to serve my country. I was a XXXX when I came into a financial hardship and had was not paid by the military for over 2 1/2 months. Immediately when I was told that I was not going to be paid that pay period I knew I was in trouble as my mortgage was due. Well at the time I could n't get any assistance for my mortgage and started getting behind. It was n't till end of XXXX I was getting caught up, but I was n't able to pay my balance owed and the bank would not except anything less then the full amount. I just kept getting farther and farther behind and well life happened. I would continuously call and update the bank with my info trying to get into a some program to stop my home from going into foreclosure. After XXXX chapter XXXX bankruptcies filed to postpone public auction to try and get my short sale approved, the bank finally contacted me and said that my home would be going on public auction and there is nothing I can do about it. Flagstar Bank has always been a thorn in my side and to this day they continue to still be. They are reporting the full amount of the loan XXXX is still owed on my credit report and its hurting my credit in a major way. I know the home sold for XXXX which is about where I was trying to sell my house as a short sale at, go figure that. I have recently disputed my balance on my credit report and they denied the update. I also wrote them directly and got a letter stating that they wont update to the correct balance as the foreclosure is for the full balance and will stay on my credit report for 7 years, which i know but I know that the balance of XXXX is incorrect and should be reported correctly.
Product: Money transfer, virtual currency, or money service

I am a XXXX MA resident who has had a CItizens bank account for nearly XXXX years. XXXX weeks ago, I was robbed of my phone and had my identity stolen as the XXXX was able to bypass my iphone security and get past all my security credentials. My citizens bank account was connected to a peer to peer service where the XXXX was able to withdraw all the money in my checking account at Citizens through this app and the bank let it happen without any freezes place on my account. I reported to this the police and have an active investigation ongoing. I reported these fraudulent transactions to Citizens bank right away. I gave them the police report number and offered witnesses contact information who saw this happen and were with me around the time of the incident. I stayed in contact with the bank the whole time and was very cooperative. They kept telling me the investigation was ongoing and they would reach out to me. After multiple days, dozens of calls with their representatives and multiple branch employees, I was told flat out my claim was denied with no other information. The representative kept telling me still that the fraud department would call back and write back to me even though none of those things have happened so far. 
Date of fraud - XX/XX/2023. Amount taken- Nearly {$7300.00}. Police report is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.
Product: Credit reporting or other personal consumer reports

I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no XXXX  party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and disputed online to all three credit bureaus about unauthorized credit inquires on my credit report. The bureaus refuse to rectify the matter. 

The policy states that this is only permissible for the purpose only for a. firm offer of credit b. Insurance c. a court order d. employment On my report none of theses inquiries fit the above purpose. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX AXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX XXXX XXXX. Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

COMPLAINT FOR CFPB PARA REMOVER LATE PAYMENT ( ( XXXX XXXX XXXX XXXX ) Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TRANSUNIONregarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX " I have submitted three separate disputes to TRANSUNION regarding a late payment reported by [ name of the creditor ]. In each dispute, I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ), explaining that the reported late payment is inaccurate for the following reasons : [ include reasons ]. Despite my repeated efforts, I have not received an adequate resolution to correct this issue, which continues to unfairly impact " my credit history. '' " I am deeply concerned about the error in your records showing a late payment, as I am confident that I fulfilled my obligation on time. This may be due to an administrative mistake or a failure in your processing system. I am requesting an urgent and thorough review of my payments, as an incorrect report could unfairly impact my credit history. As a responsible consumer, I always ensure my financial commitments are met, and I trust you will correct this error before any further action is taken or my credit is negatively affected without justification. I appreciate your prompt response and correction of this matter.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) Ive never had a late payment. I filed a dispute to have this corrected and every time each credit bureau say that items are accurate and true. Please remove late payment from my credit report.
Product: Debt collection

My wife and me was having medicare service with XXXX XXXX XXXX for the year of 2018. A number of years we have service from XXXX to XXXX of every year because my wife us working at the XXXX XXXX XXXX from XXXX to XXXX/XXXX.Through my wife 's work we are cover by XXXX XXXX . In order to make sure that XXXX XXXX XXXX get the message that we are are going to stop the service in XXXX I called the XXXX in XX/XX/2018. I wrote down that I did talked to XXXX XXXX and others with the reference number XXXX. I did requested to talk to some one higher up on the phone and was told that I do not have to do anything as noted during the conversation that XXXX XXXX will inform XXXX XXXX XXXX. Anyway I gave the reference number a number of times and the problem is not solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a mortgage to buy a home. My credit report was run by the bank. As a result of the report, I discovered 2 derogatory marks from Capital Bank. I have never had a capital one flexible spending account as stated on the report. I called Capital One bank. I spoke with 4 different agents. The last call made to the bank was on XX/XX/XXXX. All four agents at Capital bank were unable to locate any account with my name or social security number. I was told that someone from the credit department would call me to discuss. I never received that call. After i spoke with the 4th agent, I was told to submit my dispute in writing and it would take 30 days to investigate. ( meanwhile, I am to close on a house that I now can not get my mortgage ). In the first week of XXXX, I called XXXX  and XXXX  to dispute these marks. I was given a case number and told they would investigate. On XX/XX/2020, I received a letter from XXXX  stating that the dispute has be closed and they have confirmed that the report is correct. however, when i called capital one, they could not locate an account number with the last 4 digits XXXX. So, how was XXXX  able to do so. XXXX  fails to include the entire account number on the final dispute completion letter. Therefore, I am still unable to locate or verify any incorrect information. On the report stating the closure of the dispute, the account in question was listed numerically. Capital One was never able to locate any account when I contacted them directly. I am stuck with no answers from Capital One or from XXXX. To this day, neither company has been able to locate nor confirm the status of this account. And, neither the bank or XXXX  has been able to furnish the complete account number in question. I am unable to obtain a mortgage and I am unable to have this derogatory mark removed from my credit report.