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

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request to Block and Delete Accounts Due to Identity Theft ( 15 USC 1681c-2 ( a ) ) Dear Equifax Team , I am writing to formally demand for the immediate blocking and deletion of fraudulent and inaccurate accounts associated with my credit report, pursuant to 15 USC 1681c-2 ( a ), the Fair Credit Reporting Act ( FCRA ). I have been a victim of the Equifax data breach, and as a result, my personal information has been compromised and used fraudulently. 
The following accounts are not mine and were fraudulently opened : XXXX. XXXX BANK - XXXX XXXX. XXXX XXXX BANK - XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX The following inquiries were not authorized by me : XXXX. XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX Under the FCRA, I have the right to request that these accounts be blocked and removed from my credit file to prevent further harm and to ensure the accuracy of my credit report. I have enclosed the following documents to support my request : A copy of my government-issued photo ID ( e.g., drivers license or passport ). 
A copy of a utility bill or another document verifying my current address. 
A copy of the FTC Identity Theft Report documenting the fraudulent activity. 
Please process this request promptly, as mandated by federal law. I would appreciate written confirmation once the accounts have been blocked and deleted from my credit file. If you require any further information or documentation to complete this process, please do not hesitate to contact me at the phone number or email address listed above. 
Failure to comply with FCRA Section 605B is not only a violation of my rights under federal law but also exposes your agency to potential civil liability. As stipulated under FCRA 605B : 1. The fraudulent accounts must be removed from my credit file and no longer appear in any future credit reports issued by your agency.

2. You are prohibited from re-inserting these fraudulent items unless you have a good-faith basis to believe that the information is accurate. If such action is taken, you are further required to provide me with written notice of this reinsertion within five ( 5 ) business days, detailing the basis for your decision.

Please understand that this is not a request but a formal demand for compliance with federal law. Your failure to respond and take appropriate action will be met with the immediate pursuit of all available legal remedies, including but not limited to complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and civil litigation under the FCRA. 
This matter requires your immediate attention, and I thank you in advance for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : FTC Social Security XXXX XXXX Bill
Product: Credit reporting or other personal consumer reports

I filed bankruptcy on XX/XX/XXXXXXXX  and the bankruptcy was discharged on XX/XX/XXXX. In that bankruptcy This Capital One account XXXX  was included in a judgment of discharge on XX/XX/XXXX. There are no monies owed under this account and shows as a charge off and closed until I submitted a dispute with all 3 credit bureaus. Now it appears on my credit as money owed which is invalid. No monies are owed. As of XX/XX/XXXX, I mistakenly signed an agreement stating repayment on a card that I was not aware at the time of signing that it was the same card that was part of a past bankruptcy filed and discharged. I did not do the proper investigation or research before signing the agreement. Additionally I didn't know that legally a company can attempt to collect money after a bankruptcy has been discharged which is the reason why I assumed this was a valid debt before doing a thorough investigation myself. Upon pulling my credit in XXXX, XXXX, I found that this account was discharge and appearing at a XXXX balance. My reasons for filing the dispute even though my credit showed no balance owed was because I was making monthly payments on a debt that was charged off and wanted to be relieved of that agreement. I asked XXXX XXXX  XXXX XXXX XXXX to have the agreement I signed dissolved and void due to my investigation. I have since contacted both Capital One and XXXX XXXX  XXXX XXXX XXXX  disputing this amount I'm being sued for. I have provided all documents to support my bankruptcy filing and advised that the contract to be terminated. I have not received any callbacks from either Capital One or XXXX XXXX  XXXX regarding this dispute. I'm asking to have this amount removed from my Credit and show no balances owed as it did initially before submitting a dispute with all 3 credit bureaus without any notes to be added to the closed account and charged off. I'm also asking to have all agreements dissolved.
Product: Debt or credit management

On XX/XX/XXXX I was charged two amounts from Bright. One transaction for {$36.00} dollars. The second for {$10.00}. 
I wasn't aware that the charges were going to take place to begin with. No warning or notice. I immediately got in contact through their website and asked why and for a refund to my account. I was told that they take {$10.00} a month for 5 months to put into your credit builder. I informed them that the amount didn't add up to what was taken. I was told it would be received by them in 2-3 business days and then an immediate refund would be initiated and if receive the money back in an additional 2-3 days. I asked for a cancellation of any membership or programs that they may have enrolled me in and I thought I had it taken care of. Fast forward now, I have talked to multiple computer generated auto response bots but can't get anything more from them than the prompt they are expected to follow and to be honest each time I get a different timeline on my refund. It's never the same as before and I'm now being told to wait 2 to 3 more days because they only received XXXX dollars out of the XXXX but it was taken from my account. I have been told it could be 5 days until they get it and then an additional 2 to 3 days from there. I was told that my membership being cancelled means that they can't refund me. I'm supposed to rest assured as they say but I have the feeling I was scammed and the business is a fraud. I have screenshots of emails, conversations, etc and have sent them in chats but they are overlooked. Customer service is a zero out of zero and the business has nothing but bad reviews, many of them being related to my situation
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX, in XXXX of XXXX the vehicle was involved in an accident, at the time of this occurrence I did not own the vehicle or have access to drive it. when I went to apply for auto insurance after i purchased the vehicle I was told I am being held responsible for the damages that occurred when I was not the owner of the vehicle. I attempted to reach out to lexisNexis but I did not receive any follow up after my initial request for a consumer report, which I was told I would need in order to dispute the upcharges that my insurance company would charge if I did not get the report back to them before my next insurance payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

SAGESTREAM makes it extremely difficult to get a copy of your credit report. They want much more personal information and photos than the normal credit reporting agencies. They should be required to follow the steps that XXXX, XXXX, and XXXX follow to have online access to your credit report.
Product: Credit card or prepaid card

I have called twice and sent back every piece of mail with my ex husbands name on it. He has never lived at my address and even though capital one states he has been removed Im still receiving credit offers in his name at my new address
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was notified that an update to my credit file with XXXX XXXX regarding my JP Morgan Chase Bank account would be negative to my overall credit. I am a co-applicant on a home loan. The other co-applicant filed chapter XXXX bankruptcy on the loan. On XX/XX/2020 it was reported that comments were added to the account stating the following " Chapter XXXX bankruptcy, Paid or paying as agreed ''. I have never been late on this loan and I myself have not filed bankruptcy. I would like all mention of " Chapter XXXX bankruptcy '' and any connection to a bankruptcy removed as it is no reflection on myself. 

I am not sure if JP Morgan Chase Bank added those comments to XXXX, or XXXX. But if so would like those removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX XXXX  Account # # # # # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/2022 I inquired at XXXX store about purchasing phone service, the representative obtained my information. I advised I was still shopping n did not purchase a phone at XXXX or any phone service. The representative should have cancel account information obtained. I then decided to go with XXXX XXXX  XXXX. As of today the phone for granddaughter is with XXXX XXXXXXXX XXXX and my cell phone is with XXXX XXXX  XXXX XXXX I have explained several times to XXXX and to collectors to no avail. Even though there is no Phone number attached to account n no activity on account they continue to bill me.
Product: Money transfer, virtual currency, or money service

Sigue started having issues with international banks and clients were sending money via their program. The money sent was being cancelled by the banks or sigue themselves. Sigue did not issue a refund to our account. They owe us {$2700.00} dollars. When we spoke with multiple representatives about 3 months ago, they stated a check was mailed with the amount owed. The check as never received. No one responds on any of the phone numbers available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested verification of Account balance from XXXX XXXX Exhibit 1 show s payment never a write of XXXX next XXXX  shows past due of XXXX past due its a write off? Exhibit 2 requested hardship per XXXX XXXX recived and accepted by XXXX  letter states as verification the write balance and past due balance are incorrect.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information XXXXXXXX XXXX XXXX Credit Trade Line To Whom It May Concern, I am filing a formal complaint about inaccuracies on my credit reports from XXXX, XXXX, and TransUnion concerning a trade line for a XXXX XXXX XXXXXXXX XXXX account. Upon reviewing my credit reports, I discovered several discrepancies that violate the Fair Credit Reporting Act ( FCRA ). The specific issues are outlined below : 1. Discrepancy in Account Open Date : TransUnion reports the account open date as XX/XX/XXXX, while XXXX and XXXX report it as XX/XX/XXXXXXXX This inconsistency shows a failure to maintain accurate reporting across all credit bureaus, as required by the FCRA. 
2. Discrepancy in Credit Limit : XXXX reports a credit limit of {$0.00}, whereas TransUnion and XXXX both report a credit limit of {$1000.00}. This inconsistency is another violation of the FCRA 's requirement for accurate reporting. 
As stated in 15 USC 1681 ( a ) ( b ) and Public Law 90-321 ( 82 Stat. 146 ), credit reporting agencies are required to ensure the highest possible accuracy in the information they provide. Additionally, 15 USC 1681n sets a {$500.00} fine for each violation by any agency that willfully fails to comply with these accuracy requirements. Each credit bureau has a legal obligation, as part of their agreements with consumers, to comply with these laws.

By failing to maintain consistent and accurate information, XXXX, XXXX, and TransUnion are all in violation of the FCRA. This amounts to willful noncompliance, as defined under 15 USC 1681o, which states that any agency that is negligent in its duty to maintain accurate credit information is liable for damages. Additionally, 15 USC 1681s-2 specifies the obligations of information furnishers to ensure that the data reported to credit bureaus is accurate, which has clearly not been fulfilled in this case.

Furthermore, the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ) requires that consumer reporting agencies comply with all U.S. laws related to consumer credit information. The discrepancies highlighted above represent clear violations of both the FCRA and the Privacy Act of 1974.

Requested Actions : 1. Immediate Removal of Inaccurate Trade Line : I request the immediate removal of the inaccurate XXXXXXXX XXXX XXXXXXXX XXXX trade line from my credit reports with XXXX, XXXX, and TransUnion. 
2. Imposition of Fines for Violations : I request the enforcement of fines of no less than {$500.00} USD for each violation, totaling {$1000.00} USD for the two reported discrepancies.

Please confirm receipt of this complaint and provide a written response within 30 days, detailing the actions taken to address these inaccuracies in my credit report. 
Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX : On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. this could be it discover : This post was inspired by my comment exchange with a site reader about negotiating a settlement with a XXXX credit card that is now in the hands of a collections law firm. My comment would have been too lengthy a reply on the page the discussion originated, and this is also something that is not all that topical to the Debt Relief Program Intro page. What follows is food for thought not just with XXXX Card, but with creditors like XXXX, XXXX XXXX, XXXX XXXX, fst ntl bk XXXX : First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices. ... " The CFPB 's track record, and this result today, shows strong and consistent action against credit card companies that dupe consumers into buying a product they do not want. '' XXXX XXXX XXXX the XXXX XXXX XXXX sued XXXX XXXX XXXX an XXXX California car dealership, alleging that the dealer fraudulently and unfairly attempted to trick a consumer into paying for a vehicle she had no legal obligation to pay for. XXXX XXXX XXXX XX/XX/XXXX - Customer 's car-buying process can be taken advantage of by the car ... Non-Disclosures car dealerships are required by law to disclose ... For example, a car dealership may lie and say the vehicle has been ... XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX has been hit with the first of what could be many federal ... In a complaint filed late Monday in XXXX XXXX federal court, the plaintiff ... Corp et al, U.S. District Court, XXXX  District of California,
Product: Mortgage

XXXX : Requesting an accurate Payoff amount for XXXX XXXX CA XXXX from Ditech Financial. 
Ditech Account # XXXX XXXX. The loan was sold to Ditech Financial by XXXX and title transferred on XX/XX/2016 DItech is claiming I did not make payments after XX/XX/2016, and I did make all payments until XX/XX/2016. I proved this to them by providing bank statements showing an automatic withdrawal or a debit card transaction that took place each month. Because of this, they will not accept my mortgage payments since XX/XX/2016 and have sent several letters stating I am in default and am pending foreclosure. I can not get acknowledgement from the supervisor I spoke to that they received the bank statements that prooved the payments were made and that the matter is cleared up. The only info I have on him is this : XXXX the number is : XXXX ( this goes to an operator, not directly to XXXX ) The account number is : XXXX Ditech Financial LLC XXXX. XXXX, SD XXXX. I have an accepted offer for the sale of my home. I am trying to get the payoff amount from Ditech. Every page of the Ditech website has a different amount, as well as every document they send me via mail. ( See attached files. ) 3. Once a payoff is provided by Ditech, I need reassurance that the loan will be cleared, and that this would not effect either the buyer or myself in the future. 
Please see attached files. 
1. payoff quote from Ditech XXXX 2. XX/XX/2016 mortgage statement from DItech ( the most recent I can get off the website ) 3. Recent letter received from Ditech regarding mortgage status. 
4. XXXX Account status as of XX/XX/2016 5. Loan History from XXXX 's website XX/XX/2016 Additional information : you may refer to the previous case I had opened with XXXX, for XXXX years I worked with them over a clerical error they made where they withdrew funds from my account and considered me in default because of their error. This was finally resolved as of XX/XX/2016 and payments were made according to the resolution agreement, yet when the loan was sold to Ditech, Ditech did not get all the information. This has been over 3 years of incredible time consuming work that was forced upon me and I decided to sell the home so I could be done with all this situation, however, how I need a payoff and am getting different amounts from each source at Ditech. I would like them to honor the payoff amount on their website, however, I do not want them to come back later stating it was not paid. 

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought my XXXX XXXX XXXX from us auto sales! Westlake has now taken over from what I understand. I called Westlake to send me the documents for the transfer. They told me they don't have it. As well as the extra warranty I purchased is no longer good, and they have been shutting off my car even though my payments have been made! I have no proof that my loan is with them. They never called me to let me know the new terms and conditions with this new company!!
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agencies, I am writing to dispute the reporting of the XXXX XXXX XXXX XXXX ( XXXX ) account on my credit report. This account is inaccurate and unverifiable, and XXXX has already removed it from my credit report as of XX/XX/year>. 

I have contacted both XXXX and XXXX XXXX regarding this account. XXXX XXXX has explicitly stated that the account does not belong to them, and XXXX has failed to provide any documentation verifying the accuracy of this debt. Despite repeated requests for verification, no supporting documents have been provided to me or to you, as required under the Fair Credit Reporting Act ( FCRA ). 

Reporting unverifiable information violates : 15 U.S.C. 1681e ( b ) : Requirement to ensure maximum possible accuracy. 
15 U.S.C. 1681i ( a ) : Obligation to conduct a reasonable reinvestigation. 
I demand that you immediately delete this account from my credit report. Failure to comply with this request will leave me with no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and take legal action to protect my rights under federal law. 

Please confirm the deletion of this account in writing within 15 days of receiving this letter.
Product: Checking or savings account

I had a checking account it was alleged closed by the XXXX due to over draft fees. I have talked to the branch manager and so many others in regards to this matter, I e en contacted the company that messed up my checking account and they informed me on XX/XX/19 that the money will be sent back on the debit card. Here is another problem I was told that anything that is trying to go back on that card will be rejected. Now what else do I do when I'm trying to get this situation resolved, it seems like they aren't trying to help me or resolve my issue. I want this complaint to go worldwide because I feel they could have at least accepted the money to resolve this matter. Who's going to help me going forward with this issue??? Usbank isn't trying to help me at this point all they want is to send me to there recovery department to collect on this debt, but they rejecting the compapany that's trying to give me my refund back, why???? They turned their back on me and just wrote me off as a bad debt sending me to there collections department. I really don't think that's fair to me as a consumer or a taxpayer, it's a shame how they handle good customers!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts reported by XXXX XXXX XXXX on my credit report ( s ). <P/>Totaling {$3000.00} and {$500.00} each. <P/>The original creditor reported to the credit files is XXXX XXXX XXXX. <P/>I do not have nor have I ever done business with a company named XXXX XXXX XXXX. <P/>When I contacted XXXX XXXX XXXX they said the company was XXXX XXXX XXXX. <P/>When I attempted to contact XXXX XXXX XXXX I discovered they were no longer in business and the current staff does not have any contact info for them. <P/>XXXX XXXX is no longer in business and any claim asserted by them is null. <P/>I have no way to dispute any alleged charges of have a point of contact with XXXX XXXX to get to the bottom of the charges they claim. <P/>All XXXX was willing to do was tell me " That 's what they say you owe. '' This is not a legitimate debt and and it is libelous what they are doing to my credit files.