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

I am writing to file a formal complaint against Equifax regarding their failure to conduct a proper investigation into an identity theft issue, despite repeated requests and submission of required documentation. This has caused significant distress and financial harm to me. 

On XX/XX/2024, I contacted Equifax to report a case of identity theft and requested a thorough investigation into the matter. I provided all necessary documentation including a photocopy of my driver 's license, a copy of my XXXX XXXX  XXXX, and a copy of a recent utility bill as proof of identity. Despite submitting these documents, Equifax sent me a stall letter stating that they needed the same documents, which had already been provided. This demonstrates a blatant disregard for consumer requests and a failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Furthermore, I explicitly requested that Equifax place a block on any information resulting from the identity theft and to delete any fraudulent accounts associated with it, particularly XXXX with XXXX. However, Equifax has not taken any action to address these concerns, which is in direct violation of the FCRA. 

Equifax 's negligence in handling my case not only violates federal laws but also undermines the purpose of consumer protection regulations. By failing to conduct a proper investigation and ignoring my requests for resolution, Equifax has allowed fraudulent activity to persist, putting my financial well-being at risk. 

I demand that Equifax promptly conducts a thorough investigation into the identity theft issue, places a block on any fraudulent information, and deletes any accounts associated with the identity theft, particularly with XXXX. Additionally, I expect Equifax to provide me with a detailed report of the actions taken to resolve this matter. 

I urge the Consumer Financial Protection Bureau to investigate this complaint thoroughly and take appropriate action against Equifax for their non-compliance with FCRA regulations and their failure to protect consumer rights. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I had a parent student loan through XXXXXXXX XXXX for my daughter who was attending college. On XX/XX/year>, I paid the balance off in full- {$34000.00} after I confirmed this was the pay off amount. On the same day, I received a letter from XXXX congratulating me paying off the loan. On my credit report it shows that the account was " paid and closed '' as of XX/XX/year>. Additionally, the XXXX 's website also showed that my balance was paid in full. Months later they attempted to charge me an additional {$310.00} with a monthly payment of $ XXXX this appears on my credit report as of XX/XX/year>. On my credit report for XX/XX/year>, it shows that I owe {$310.00} with monthly payment of {$4.00}. For XXXX and thereafter it shows XXXX and its loan servicing company XXXX XXXX claim this was for unpaid interest. They reported this to the credit agencies as a " charge off '' of with a XXXX balance yet they are continuing to report that it is past due as of XX/XX/year>. I have sent letters and called numerous times and there is no one that is willing to correct this error. I have also disputed it on my credit report and they have refused to correct the error. I had multiple loans with this company and they have all been paid promptly. This is destroying my credit.
Product: Credit reporting or other personal consumer reports

XXXX BANK HAS SENT A NEGATIVE REPORT TO THE CONSUMER CREDIT BUREAUS STATING THAT I HAD A CREDIT CARD AND/OR A LINE OF CREDIT WITH THEM AS FAR BACK AS XX/XX/XXXX IN THE AMOUNT OF {$980.00}, AND IT WAS NEVER PAID. I HAVE NEVER APPLIED FOR A CREDIT CARD NOR DID I APPLY FOR A LINE OF CREDIT WITH THEM. ON XX/XX/XXXX, THIS ALLEGED ACCOUNT WAS CHARGED OFF AND I WAS NEVER SENT A XXXX. I WOULD LIKE SEE PROOF FROM THEM THAT I APPLIED WITH THEM. THIS HAS PUT A XXXX ON MY CREDIT REPORT AND I WANT THEM TO DELETE IT. THIS IS NOT MY ACCOUNT AND IT HAS BEEN ON MY CREDIT REPORT FOR THE PAST 6 YEARS. I HAVE NOT HEARD FROM THEM AT ALL.
Product: Debt or credit management

Global Holdings was used as a payment processing money account management company during a debt settlement process. We have recently received a termination letter from our attorneys due to their firm being sued. In the same letter, we were instructed to withdraw all funds and deal with creditors directly. We have left phone messages, emails, and website messages with no response. We need to receive our funds in our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REQUESTED THE PAYMENT INFORMATION FROM BOTH PARTIES ON XX/XX/2022 XXXX AND SANTANDERS & XXXX FOR ALLEDGE NEGATIVE PAYMENT HISTORY AND NEVER RECIEVED THE INFORMATION AFTER NUMEROUS REQUEST HOWEVER ITS WAY PAST 30 DAYS FROM LAST LETTER, SO SINCE THE INFORMATION HASN'T BEEN RECEIVED AND THY 'RE REPORTING CURRENT ON A CLOSED ACCOUNT THE DEBT NEED TO BE DELETED ASAP. 

ACCOUNT INFO. 
SANTANDER CONSUMER USA Account XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the account with XXXX XXXX inaccurately on my credit report. The account was paid and closed in XX/XX/2020. The balance is {$0.00}. However, the account status is reporting as 30 days late. This is inaccurate. I have disputed this information twice. It has not been corrected and the account is still reporting inaccurately on my report. Self Lender advised me that they have reported the account as paid to the credit bureaus and the account should reflect this and should no longer report as 30 days late.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, ZIP Code : XXXX, Ga XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX XXXX Dispute Department XXXX  XXXX XXXX XXXXXXXX, TX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute an inaccuracy on my credit reports issued by XXXX, XXXX, and XXXX. Upon reviewing my reports, I noticed a significant error related to my CBNA account ( Account Number XXXX ). 
Specific Inaccuracy : The report states that the account was charged off with a past due amount of {$6100.00} as of XX/XX/XXXX and a balance of {$6100.00} updated as of XX/XX/XXXX. However, there is a clear inconsistency in the payment history section : 1. The payment history shows multiple charge-offs ( CO ) reported consecutively for several months in XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), a charge-off can only be reported once and should not appear as a recurring event. Reporting a charge-off for multiple months is factually incorrect. 
2. Additionally, the payment history indicates a 30-day and 60-day late payment for XX/XX/XXXX and XX/XX/XXXX after the account was already reported as charged off in previous months. Once an account is charged off, it can not have additional late payments reported. This is a clear violation of accurate reporting standards under the FCRA. 
Requested Actions : 1. Reinvestigate this account information with CBNA to verify its accuracy.

2. Correct the status of the account by removing the repeated charge-off entries and the inaccurate late payments if they are indeed errors, or provide supporting documentation validating the reported information.

3. Update my credit reports accordingly and send me corrected copies. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I have attached a copy of my credit report highlighting the inaccurate information for your reference and request that XXXX and XXXX also verify the accuracy of this account. 
I would appreciate your prompt attention to this matter and a response within 30 days of receiving this letter. Should you need any further information to complete the investigation, please contact me directly at the phone number or email listed above. 
Thank you for addressing this issue promptly. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

Unknown Account - # XXXX XXXX XXXX XXXX - # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian blocked me from putting freezes cause I've been a victim of identity fraud. I've been a victim of data breaches XXXX XXXX allowed another person to put a freeze on a statement on my account with their name and their contact information and I don't even know this person, and still for the last 3 to 4 years I can't get access to my own account. I can't get my credit report and then when I start disputing stuff because they remove stuff and then put it back on because that's why they block me. This is fraud. The credit bureaus are committing fraud.
Product: Debt collection

Optimum sent over one of there worker to my home XXXX XXXX  XXXX XXXX XXXX XXXX XXXX by XXXX XXXX this year the bill at the time was XXXX due to me still having their equipments I was told when I return the boxes the bill would drop somewhere to XXXX. Optimum installation was XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Under the FCRA 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 Balance Owed : {$23.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3100.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$860.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

4 fraudulent let inquiry on my equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All on XX/XX/year>
Product: Credit reporting 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 u.s.c. 1681 Account Name... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX15 u.s.c 1681 section 602 A. state 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.. 15 u.s.c. 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer reports containing any of the adverse item of information, other than record 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Vehicle loan or lease

My auto loan with Toyota Financial Services was only due for 7 more payments when my family and my car were out of state in CA and struck with a flash flood in XX/XX/XXXX. The car was deemed a total loss, which led my insurance company to take ownership of the vehicle and send a payoff check to TFS. I made a payment on the loan prior to our trip, which hadn't cleared TFS 's system yet at the time of the payoff quote, so the first check sent was for the wrong amount. That check was cancelled. A second check, number ending in XXXX was mailed, however when my insurance agent spoke to the TFS total loss department, he was told he used the wrong address and was then given a different address of XXXX XXXX XXXX XXXX, so that check was canceled by the insurance company and a 3rd check was sent for payoff - Check ending in XXXX in the amount of {$1500.00} dated XX/XX/XXXX. However, it turned out the second check with the " incorrect address '' was received by TFS and used to payoff the car loan, closing out the case with the Total Loss department and an overpayment check was sent to my attention. The overpayment check was destroyed as my insurance already paid me back for the overpayment. Then, since the cancelled check is what was used to payoff the loan, that payment bounced. The car loan was then re-opened. I happened to look at the TFS site on XX/XX/XXXX and seen the loan was re-opened and started calling TFS with my insurance agent. Neither of us could be reconnected with the Total Loss department as they refused on multiple occasions to re-open the case. Per all my notes, I've tried calling TFS at least 12 times since then to locate the 3rd check sent for this payoff. I've tried asking for a manager to step in, but kept being told they don't have managers or any means of escalating my call. I finally got one person to give me a manager name and told me to expect a call back within 72 hours. This never happened. The XXXX check was finally found by TFS on XX/XX/XXXX, but was told it would take 20-30 days since the receipt date to process the payment, which would be back dated to XX/XX/XXXX once processed. My calls then started being directed automatically to their collections department on XX/XX/XXXX. As of my calling in on XX/XX/XXXX, I was informed that the XXXX check was finally being applied to the account that morning for processing and to wait XXXX business days to see it online. As of XX/XX/XXXX, no changes to the account. I was then told there was a 20-25 day delay in processing, to wait and check in 25 days for the payoff to be resolved. I received another call from the TFS collections department on XX/XX/XXXX asking if I was making a payment. I told the agent to read the notes and tell me when I can expect the payoff check to be processed. She could not, but said she put in another ( 2nd ) total loss complaint and was pushing it to management. As of XX/XX/XXXX, my loan with TFS is still showing 2 payments delinquent and due for a 3rd.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX As required by XXXXXXXX XXXX  XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Mortgage

I have a mortgage through Specialized Loan Servicing. I was behind on mortgage and took money from my 401k to get caught up. I was told one amount over the phone so I paid that amount plus an additional mortgage payment. Once the payment posted I called to see if the late fees totaling {$1100.00} could be removed and I was told I needed to email a different depart to request they be removed & I was told I should have a response within 7 business days. So after two weeks I called to follow up and was told they didnt show an email but that the rep could handle the request over the phone so he put in a request. So again, I had to wait. In the mean time I received a statement with a regular mortgage payment and another fee labeled unapplied/suspense. Confused about what the unapplied amount was for, I logged on the the website to look at the transaction & payment history. Even more confused, I called again. Spoke to a different person and the rep told me the unapplied was money left over but not enough for a full payment but I could add {$210.00} to the unapplied to make another complete payment so I did that, so now Im totally current. The problem is Im being told different stories about the late fees. 1 ) First I was told the account needed to be current before the fees could be removed 2 ) then I was told there was no way to just pay the late fee and that they would be on there for the life of the loan unless I made the payment all at once which is what I thought I did when I made the large payment on XX/XX/2020 for {$11000.00}. Because prior to making that payment, I called to get the exact amount and was told {$9800.00}. 3 ) Next, Im told to email a request, then I was told to request removal over the phone. 4 ) Now after asking about why the payments Im making arent going towards the payment thats due, I was told that I keep getting late fees because it looks like Im making partial payments when Im not. Im making a full mortgage payment. Now Im being told that they removed one late fee for {$48.00} but that is all they would do. I explained to them that {$1100.00} would be better spent on the XXXX mortgage payment but I havent been able to get a straight answer. Each person tells me something different. I asked to speak to a manager or supervisor and was told one would call me back but they have not called. Im terribly frustrated because my mortgage has been sold three times and this is the worst company I have had. The first mortgage company was XXXX XXXX then the load was bought out by XXXX  XXXX XXXX now Specialized Loan Servicing. Please help.
Product: Mortgage

My Mortgage was XXXX to begin with. I did a 3 month deferment due covid layoff. While in deferment I received an escrow shortage statement. I was given 2 options. Opt 1 was to pay nothing and be charged XXXX. Opt 2 was to pay XXXX  and new bill would be XXXX. I paid XXXX on XX/XX/XXXX. Conf # XXXX. I was still charged XXXX  anyway. After speaking with many representatives in Mortgage, escrow and customer service, the problem was fixed. XXXX, I paid XXXX. Conf # XXXX. XX/XX/XXXX I paid XXXX conf # XXXX. XXXX, I paid XXXX. Conf # XXXX. I paid XXXX ea month from XXXX to XXXX. In XXXX. I recieved a refund for XXXX. I also recieved a letter stating that the payment of XXXX was returned so I paid it again on XX/XX/XXXX. In XXXX. my bill was XXXX. I called to inquire about the change and I was told I had money that was just sitting there and they applied it which lowered the payment. I call again to make payment and the automation stated I owed {$15.00}. I paid the XXXX anyways. Conf # XXXX. I didn't receive a statement for XXXX. I recieved another escrow shortage statement instead. The 2 opts. are pay nothing and bill will be XXXX  or pay XXXX  and bill will be XXXX. I called to get understanding and was told it was due to increase in insurance. My insurance only went up {$35.00} a month. No one at BoA can explain what is happening and the numbers don't match up. Please help. They have made my home owner experience very difficult.
Product: Vehicle loan or lease

When I initially went to purchase this vehicle in XXXX I was dealing with a sales agent by the name of XXXX XXXX at XXXX XXXX XXXX XXXX XXXX My credit score was around 712-715 so when I did the pre-approval for Capital One I was happy to have a {$2000.00} down payment and monthly payments of around {$400.00}. XXXX XXXX wanted me to trade in my XXXX XXXX which I told him I didnt want to do. I was gon na sell my car and use the money to make the down payment and monthly payments to have that auto loan on my credit to bring my score higher. I had already gotten a pre-approval and brought the pre-approval to XXXX  whom at that time decided to run my credit not once but twice and pushed my {$2000.00} down payment to a {$4500.00} down payment with the monthly payments being almost {$800.00}. I literally went back n forth with him for days telling him how if this was stated before I sold my car I wouldve declined but he waited until after my car was sold to XXXX up the price. I was able to make payments on time for a while until I got sick with XXXX and then became homeless for almost the entire year of XXXX. I just recently was diagnosed with XXXX XXXX. No one wanted to fix my issue & everyone basically looked at me as a person whom just was delinquent but didnt know my struggle. I tried to contact XXXX on more than one occasion and was never able to get in contact with him. Ive had to sleep in that same car I used all my money on. Capital One didnt wan na hear anything as far as me not being able to make payments and to make matters worse a tow guy just repossessed my car and not only XXXX XXXX XXXX XXXX but wouldnt let me grab anything out of it. Told me I should pay my bill and proceeded to drive off with my belongings in that same car, this has been a nightmare and I wish I wouldve NEVER done it, I couldve kept my CASH CAR. This company as well as the financing company is a fraud.