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 XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Equifax Fraud Division, I, XXXX XXXX, am submitting this complaint on my own behalf, without third-party representation, to address issues related to identity theft and inaccuracies in my credit report. 

Attached are a new Identity Theft Report and a Consumer Financial Protection Bureau ( CFPB ) complaint. Additionally, I am formally disputing erroneous information that has negatively impacted my credit profile and resulted in a recent denial of credit. 

Despite my efforts to improve my credit standing, Equifax continues to report inaccurate and outdated information, which has significantly harmed my creditworthiness and restricted my access to essential financial services. These errors are preventing me from securing loans, renting properties, and accessing other critical financial resources necessary for personal and economic advancement. 

I am requesting an immediate review of my credit report, correction of the inaccuracies listed below, and an update to my credit score. Given the far-reaching consequences of these errors, I trust that this matter will be handled with the urgency it requires. 

The accounts in dispute are as follows : Accounts XXXX XXXX XXXX XXXX XXXX XXXX  {$7800.00} I trust that Equifax will address this matter promptly and comply with all legal obligations. Please provide a written confirmation of your investigation and resolution. Should you require any additional information, do not hesitate to contact me at the address above. 

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

I have been trying hard for a couple years now to have these frivolous, erroneous, inaccurate, and incorrect accounts investigated and corrected. Experian keeps disregarding crucial legal regulations 15 USC 1681, 15 USC 1681i ( 5 ) ( B ) ( i ) ( 6 ) ( 7 ), 15 USC 1681e ( b ), 15 USC 1681i, 15 USC 1681s-2, 15 USC 1681 ( 5 ), 15 USC 1681c ( c ), 15 USC 1692 , 15 USC 1692c , and more. With the recent CFPB lawsuit against Experian for their poor handling of credit report disputes, I believe this is a great time to address my problems. This process has been beyond stressful and detrimental to my livelihood. I am disputing the accuracy of the following items on my credit report, as permitted under the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity XXXX. ) XXXX XXXX XXXX [ XXXX ] -LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY XXXX. ) XXXX XXXX XXXX [ XXXX ] - LATE, INACCURATE, FALSE OPEN DATE, FALSE LAST PAYMENT DATE, WRONG ACCOUNT STATUS, FALSE Date of Last Activity, ACCOUNT REINSTATED AFTER DELETION, HIPA VIOLATION, PERSONAL INFO WAS SOLD TO COLLECTION AGENCY ILLEGALLY Below you will find impermissible hard inquiries on my credit report that I never gave my written consent for the authorization of which violates 15 USC 1681b, 15 USC 1681i ( 7 ), and more : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Basically What Is Going On Is.. My Credit Report Is Showing Up To Date Information About My Payment History About A Credit Card I Owned That Was Closed On XXXX. 
However As I Begin To Look On " Experian '' And Also " XXXX '' I See " No Data Provided ''. There Is No Information Provided Of Any On Time Payment History I Was Making On This Account. I Would Immediately Like This Information To Be Updated. Or For This Account To Be Disputed And Removed From My Credit Report Completely At The Soonest Convenience. Thank You Have A Blessed Day!
Product: Debt collection

In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a XXXX purpose. This company is reporting fraudulent inaccurate information on my credit report. have requested that they provide the purchase agreement to show full ownership of such account and also other documents so l May review to see if this is actually an account that belongs to me
Product: Payday loan, title loan, or personal loan

I have a past due loan with Upgrade Inc and have a hardship payment arrangement. When I was set up for this on XXXX I asked if I had any payments set up for a future date and the rep XXXX said no. {$310.00} was taken out of my account on the XXXX and I called and was told it would be refunded within 5-7 days. I called today and was told it would be in my account on Monday and then told by XXXX in Leadership they could not refund the money since my account is past due. Without the refund of the amount taken in error I can not make the XXXX payment of {$93.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX XXXX account number : XXXX Payment amount : {$590.00}
Product: Consumer Loan

When I call Santander Consumer USA they state that my account is open and active, however my credit reporting is stating my account was Charged off. My payments were delinquent and upon seeing they closed my account I contacted Customer Service and paid my account up to date and had it reactivated immediately in XX/XX/2016. Agent I spoke with said my account would be active and I could go back to making regular payments. I have always had possesion of my car, it has never been taken. Since then I have made all payments early for 3 months, but account was verfied as closed. I called to discuss the account and was informes it was opened but because at one point it was charged off the reporting status would not be changed and my current up to date payments would not be reported. They suggested trading in or refinancing vehicle. If my account is active, payments are up to date, and I have never lost possession of my car their reporting of my credit status should reflect that.
Product: Credit reporting

TransUnion is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including TransUnion ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed TransUnion had re-reported XXXX of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, TransUnion has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

i am writting to formally request the removal of fraudulent inquires that are on my credot report that was added without my knowledge or consent i have been a victim of identity theft my information has bee exposed to multiple data breaches which i belwive has lead to my information being used in attempt to open accounts in my name the fraudulent inquires in question are 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent inquiries, along with my statement ).
Product: Checking or savings account

We received a mailing ( copy can be provided ) from Chase Bank offering a {$900.00} bonus for opening checking and savings accounts. We met with XXXX XXXX at the Chase Bank on XXXX XXXX in XXXX, XXXX on XX/XX/2024 to open the accounts. 
On that date, we deposited {$15000.00} in a XXXX account, per the requirements for the bonus ; and XXXX XXXX said he submitted a XXXX XXXX XXXX XXXX ( copy can be provided ) on that date for my XXXX XXXX XXXX ( XXXX  ) to be direct deposited into our new Chase XXXX account. 
We were also given a publication entitled Account XXXX for XXXX XXXX XXXX. The XXXX states, in relevant part, XXXX XXXX action needed for XXXX XXXX XXXX  ( e.g. XXXX XXXX XXXX ; your request has been submitted automatically and will begin within XXXX - XXXX weeks. 
My XX/XX/2024 XXXX deposit went to my old bank, but that was only XXXX weeks after signing up. I called the bank after my XX/XX/2024 payment also went to my old bank. I was advised to submit a new direct deposit request to XXXX ; which I did. By that time, the first XXXX direct deposit would be made on XX/XX/2024 - and the direct deposit was indeed made to my account on that date. 
I contacted XXXX XXXX about the remaining {$700.00} bonus, and after he said he consulted with his supervisor, he advised me that they would not pay the remaining {$700.00} bonus because the direct deposit didnt occur within 90 days ( XXXX was the XXXX day ) of opening my account. 
I contacted XXXX ( XXXX ) and was advised they had no record of Chase bank submitting a direct deposit request. The direct deposit request I had submitted was effected without problem. 
I believe that Chase Bank owes me the remaining {$700.00}. I followed their instructions and directions ( No action needed for XXXX XXXX XXXXt [ XXXX XXXX ] and will begin within XXXX - XXXX weeks ) and submitted my own direct deposit request after calling Chase Bank after the XXXX week timeframe. Note, even if had initiated A XXXX XXXX XXXX request at the XXXX week timeframe, my XX/XX/XXXX XXXX still would have fallen outside the 90 day time limit. 
In summary, I believe I followed the direction of Chase Bank for eligibility for the full {$900.00} bonus. I dont know whether Chase Bank XXXX XXXX was responsible for the initial direct deposit failure ; however, I was able to make a change. And, the direct deposit did occur, just a month after the XX/XX/XXXX th date.
Product: Credit reporting or other personal consumer reports

I am raising this complaint because TransUnion, XXXX, and XXXX have failed to address and correct inaccurate information on my credit report, despite my repeated efforts to dispute these errors. The inaccurate reporting continues to harm my credit profile and violates my consumer rights. 

FCRA 623 ( a ) ( b ) : The disputed account has not been marked as " disputed '' on my credit report, as required by law.

FCRA 605 ( c ) : The " date of last activity '' is being inaccurately reported and does not reflect the last payment date, violating the accurate reporting requirements.

FDCPA 809 ( b ) : The collection account remains unvalidated, even after I formally requested verification.
Product: Debt collection

I got an email from the company PHoenix Financial .Says i owe their money. I called them back in this morning and they say i called an ambulance before which i never did. they wan na me to call XXXX to solve this problem.i need help to solve this. i can provide any evidence you wan na to prove myself.
Product: Credit card

Bank of America is threatening illegal collection practices based on them trying to charge illegal fees to my account. They are sending statements that are incorrect, and arguing with me over XXXX. I demand that they remove any late fees and refund my account in full.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for insufficient customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take prompt and effective action to prevent and address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was both unfair and misleading, as they failed to adhere to error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused considerable inconvenience and financial harm, and I am seeking appropriate compensation for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX and I am a victim of identity theft. I noticed the following problems on the date of XX/XX/XXXX, XXXX, Equifax, and XXXX have furnished my consumer report without my consent in any way/form. My nonpublic personal information has now been shared through companies. Congress says, the consumer has the right to privacy and as a consumer the burials have gone against my rights and the laws rights! These credit bureaus are failing in protecting my information and are going against the LAW! The Fair Credit Reporting Act was made to ensure fairness and THE CONSUMERS RIGHTS TO PRIVACY THIS IS A DIRECT VIOLATION OF THE GRAMM LEACH BLILIEY ACT OF 1999! I am sending out this letter to have the following information deleted from my credit report instantly. Unfortunately I am a victim of my identity being taken, and I also have not made the following change. I demand the following items listed in this report be deleted from my credit report as soon as possible. I have reported the theft of my identity to the federal trade commission, I have also sent out a report through the CFPB and the XXXX XXXX XXXX  and below are the copied attachments for your keeping. Please delete the following information as asked asap THANK YOU! 




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
Product: Debt collection

I sent a letter out on XX/XX/2022 to XXXX, XXXX, and XXXX. Here is my Tacking number # XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back with proof of a wet signature etc. This is not making any sense. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : -National Credit Adjusters, L.L.C # XXXX -XXXX & XXXX XXXX XXXX XXXX -XXXX XXXX Account # XXXX -XXXX  # XXXX XXXX XXXX XXXX, XXXX # XXXX has violated my rights. 15 U.S.C. 1681 section 602 A States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 TransUnion sent results of Method of Investigation which did not really specify how they verified the Bankruptcies. I believe they are trying to say they verified it through the courts which is not factual, because per the letter I have attached courts do not validate bankruptcies with credit bureaus or third party entities. Also it does not show if they used a third party entity for example XXXX  OR XXXX XXXX which hold public records. Either way that is not the original furnisher ( THE COURTS ) and this must be removed immediately based off the evidence I have. 

Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a dispute letter to TransUnion asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and TransUnion has yet to respond or even notify me of any investigation results or updates.
Product: Credit card or prepaid card

Basically I signed up on for the BlueBird.com prepaid card by American Express, and thought I could use it. I never used it. I feel the card is useless to me and have properly disposed of it.
Product: Credit reporting

Credit report disputed but no written resolution received. 
FHA loan Short Sale. 
Due to FHA guidelines I was required to be late on my mortgage and further decrease my credit score jeopardizing my livelihood with high interest rates, increased insurance premiums due to this requirement. 
I also hard a medical hardship. My property was listed on XXXX XXXX, XXXX and was not approved until XXXX XXXX, XXXX. On several escalations to XXXX XXXX were completed along with a conference call with the Short Sale Processing Manager and underwriting director. 
The first processor, XXXX XXXX on XXXX XXXX, XXXX denied my short sale application incorrectly. 
There were XXXX managers involved ; namely : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX Along with escalation to FHA, Lender 's market value was less than the sales contract. First buyer terminated due to numerous delays and listing agent was able to secure a new buyer in XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and they have been multiple accounts and contracts open under my personal information that I did not authorize and had no knowledge of founders {$97.00} XX/XX/XXXX XXXX XXXX $ XXXX XXXX, XXXXXXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX  {$44000.00} XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$130.00} XX/XX/XXXX first Premier {$720.00} and {$650.00} XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I have some unauthorized inquiries and accounts reporting on my consumer report. Remove these from my report as they are damaging my reputation as a consumer and natural person. A FTC reported will be uploaded with this complaint.This document has also been sent Certified mail to this organizations offices.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In 32 YEARS my credit history every single account, including credit cards for large and small purchases, a mortgage obligation, equity line of credit, all of these were paid on time NEVER a missed or late payment. 

For 2 months, I was not able to receive or reply to mail and not able to access communication online, as I was camping and consumed with searching for a home to buy. It was only after I purchased and moved in to my new home that I became aware of the overdue account. I immediately called the credit department at Home Depot, requested and was granted the elimination of late fees, paid the {$17.00} for the flashlight and closed the account. 

With that history of ALWAYS paying credit obligations ON TIME, why would I jeopardize my excellent credit history and PURPOSELY be late on a purchase of a {$17.00} flashlight? 

Home Depot and their bank, Citibank, are making a mountain out of a molehill. Based on my circumstances, it is extremely unfair and a miscarriage of justice to flag my credit history with a late charge and drop my credit score by 100 points for an overlooked {$17.00} charge. Im asking for some COMMON SENSE to be applied in my individual case and for Citibank to remove the negative 30 day late notification and inform the credit agencies that my record is spotless. 

Fairness = equitable = morally right. 
Legal : Relating to the general principles of justice that correct or supplement the provisions of the law. 

THE FAIR CREDIT REPORTING ACT ( FCRA ) [ 15 U.S.C. 1681 ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. 
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.