23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention what I believe to be a violation of the Fair Credit Reporting Act ( FCRA ) by the credit reporting agency, Equifax.

Section 609 ( 15 U.S.C. 1681g ) of the FCRA affirms my right as a consumer to access all information in my credit file. However, for several months now, I have been unable to access my credit report or scores via the 'MyEquifax ' website. The last update to my credit score received was on XX/XX/XXXX, despite the website repeatedly stating that " Your next credit score will be available in 25 days. '' Moreover, when attempting to view the history of my credit report dates, only two entries appear : XX/XX/XXXX and XX/XX/XXXX. These entries do not reflect any accounts reporting on my report, contrary to my actual credit activity. 

These inaccuracies are concerning, as they might indicate a violation of Section 611 ( 15 U.S.C. 1681i ) of the FCRA, which entitles consumers to dispute and correct inaccuracies in their credit reports. 

To resolve this, I attempted to contact Equifax directly but my efforts were unavailing. I was repeatedly transferred to various departments with no resolution or acknowledgment of the issue at hand
Product: Credit card

Lowe 's Home Improvement Center using Synchrony Bank to run their cards, has switched to a {$1.00} monthly fee for a paper bill. This change puts their paperless statements at risk of being delivered appropriately ( i.e. actually showing up in the mailbox and not in junk or spam accounts ). This leads to them collecting ridiculous amounts of fees from people who have no idea that a bill was sent to them if it is in junk or spam-filtered mail folders. I have paid my bill when it was due since 2004 and now with paperless billing ( to avoid a {$2.00} a month charge ), it lands in junk mail and I have {$41.00} in late fees. How is this beneficial for the consumer? How is this helpful for the elderly who do not use online bill pay or email? How does this help people who are handicapped? This is a procedure that is strictly to line the pockets of the bank and is bad for consumers.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Vehicle loan or lease

I had a lease with XXXX XXXX and I sold it to buy a vehicle with XXXX dealership from XXXX FL. They sold me a vehicle and charged me a total amount for it of {$42000.00} on a car originally priced at XXXX. They added XXXX on top of the car which are not taxes. There was some additional services and protections that I added but I also ended up paying a market adjustment on top of that as well then they placed me on a 84 month term to bring my payment to {$630.00}. They never indicated that they were adding a market adjustment to my loan which is absurd and I honestly thing that is theft because they are charging me for something that I don't have t to pay. Because of this issue now I am XXXX over and I wanted to change my vehicle to a SUV and I can't because of this issue. This was not done with my knowledge or consent. They actually told me in another dealer that they scammed me which is so horrible to do and I don't even think that is legal to do.
Product: Checking or savings account

My landlord 's office informed me they had not received my rent check. However, my check had already been cashed. I visited the local Bank of America, and the representative told me my checks had been stolen. The Bank of America credited my checking account, and I was informed that I would need to wait for an investigation. I received a letter from Bank of America stating that the handwriting on the item you claimed as forgery is consistent with the sample of your signature in our file. Bank of America placed a debt on my account and withdrew money from my checking account. The front of the check has my signature, which I submitted to pay for rent, but the back does not match anything from my landlord 's office. The back of the check and the identity of the person who cashed it do not match my landlord 's stamp. I have been paying the landlord for many years ; they should see it's not my landlord 's stamp. Bank of America placed a debt and withdrew from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNTS AND INQUIRIES ARE NOT LIABLE TO ME AND MY SSN. THOSE ACCOUNTS HAS BEEN INACCURATELY REPORTING ON MY CREDIT AND HAS BEEN EXTREMELY DAMAGING MY CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FOR THEY HAVE BEEN HURTING MY CHANCES OF ACQUIRING NEW CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.
Product: Debt collection

In XXXX I had service with XXXX XXXX  My bill went up by XXXX dollars without any new premium channels. When I called XXXX to enquire why. After being on hold for a lengthy time the XXXX representative stated I was no longer under the promotionary period. Therefore I signed up with XXXX and XXXX days later I notified XXXX to discontinue services with them. They then tried to say that I was still under the promotionary period. I explained that their representative that I had spoken to less than a week before had said I was not. They verbalized they would review the call and get back with me. Within 24hrs they called me back and stated that they had reviewed the call and noted where he did tell me that but the information was erroneous and that I was supposed to have several more months under the promotionary period. I explained that it was not my fault that he had given me the wrong information and therefore I should not be penalized for going with another company. They conceded this and stated they were going to close the case. This was in XXXX or XXXX of last year. I've heard nothing more from them until I received an alert from a credit monitoring service that says I had a new collection. When I contacted the collection company I found out it was from XXXX XXXX. They reported {$890.00}. I informed them that this was incorrect and that I would contact XXXX. When I called XXXX they were able to review my old account and it was notated that the representative had given me the wrong information so they waived the early termination fee but stated they never got the equipment back from me. I informed them that I still had it boxed up in my garage but on the most recent email I had received from them it had stated that I would not be charged for not recycling the equipment as you will see from the screenshot attachment from them. I reached out to them on Monday of this week and was told that I owed them nothing and had a XXXX balance. When I called the collection company they stated that I still had to pay them {$290.00} despite the original creditor saying I did not owe anything. They were not amicable and downright hateful
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted to check an update on my credit profile and found an account that DOES NOT BELONG TO ME, where someone added me as an " AUTHORIZED USER, '' to a XXXX XXXX retail account with a limit of {$3500.00} ... currency overdrawn over XXXX. Furthermore, my current mailing address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. ALSO, the only phone numbers CURRENTLY REGISTERED to me are as follows : XXXX and XXXX. PLEASE REMOVE ANY OTHER PHONE NUMBERS, ESPECIALLY XXXX, which was stolen with XXXX XXXX XXXX back in XX/XX/2021. I have notified the credit bureau and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, I AM INQUIRING REGARDING THE REMAINING NEGATIVE ACCOUNTS, THAT ARE CURRENTLY REFLECTING ON MY CREDIT REPORT. IT IS NOT FAIR TO ME THAT AFTER SEVERAL ATTEMPTS AT TRYING TO RECTIFY CERTAIN DEROGATORY INFORMATION ... THE CREDIT BUREAUS HAVE FAILED TO PROVIDE ME WITH ACCURATE AND COMPLETE RESPONSES REGARDING THE NEGATIVE ACCOUNTS ON MY CREDIT REPORT, WHICH I'M DEFINITELY NOT LIABLE FOR. THE MAJORITY OF THE ACCOUNTS HAVE BEEN EITHER REPAIRED OR DELETED OFF MY CREDIT REPORT. THERE IS NO REASON AS TO WHY IF XXXX  XXXX XXXX  WAS ABLE TO DELETE ONE OF THE XXXX  XXXX ACCOUNTS FROM XXXX OF XXXX, DUE TO THE FACT THAT IT DID NOT CONSIST OF ANY ACCURATE INFORMATION AND DOES NOT PERTAIN TO ME. THE OTHER XXXX  XXXX XXXX  ( AUTO ) ACCOUNT FROM XXXX, WHICH DOES NOT BELONG TO ME IS STILL THERE. PLEASE HELP ME REMOVE THE FALSE NEGATIVE HISTORY OFF OF MY CREDIT REPORT IMMEDIATELY. I GREATLY APPRECIATE IT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Or XXXX XXXX XXXX I would like to file this complaint against Equifax credit reporting agency for fail to protect my my personnel credit information couple of month 's ago after i added Fraud alert and freeze to my credit file later there are tons of inquiries has been place to my credit file Equifax is liable for these inquiries and refused to 2 fraudulents accts from my credit report XXXX XXXX XXXX  acct and XXXX  XXXX  acct both of these accts doesn't belong to me and these inquiries also fraud alert and freeze were place to my credit file for 12 month 's Equifax refused to give me an explanation how all of these fraudulent hit my credit file even Equifax sent me a post-card about to let me there was fraud alert and freeze has been place to my credit file but XXXX is negligent so i need XXXX to remove every single fraudulent activities from my credit file as soon as possible without prejudice as soon as possible because i have a prove my credit Identity was freeze and fraud alert were place for protection of my credit file Equifax is a joke there is nothing about consumer credit protection i want to see CFPB take a big action against Equifax credit reporting agency for failing to protect consumers credit file some of these inquiries i received them on the mail it's a lot of them Equifax doing unfair credit report.

The fair credit reporting Act promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies but Equifax doesn't do what they supposed to do just been unfair to people of XXXX and Prejudice.when i sent a police report Equifax ignore the police report about my identity Theft.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX filing to properly investigate my disputes regarding inaccuracies in my credit reports. Despite my submissions, XXXX typically respond in XXXX hours that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions XXXX also contravene Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPBs recent administrative proceeding against them for similar violations. I request that XXXX complies with the federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

This loan started around {$17000.00}, and I have been remitting payments since XXXX. My payments have been approximately $ XXXX/month since XXXX, and I have been on auto-pay for years. 

In XX/XX/XXXX, my balance was down to about {$850.00}. I logged into my account and discovered that Mohela had changed my monthly payment amount to only $ XXXX/month, without notifying me. I called and asked why my loan was redisclosed, and they stated it was " due to a low principal balance, '' and it was readjusted so that I would " pay off the loan on the originally scheduled date. '' Since I was going to pay off the loan early, they adjusted it so that I would continue paying and accruing interest for three years, instead of just five months. On XX/XX/XXXX, I sent Mohela a letter expressing my disappointment with this shady business practice, and I re-set my monthly payment amount back to {$170.00}. 

Last week ( on XX/XX/XXXX ), I logged in again to check on the payoff balance and close out my loan. My balance was about {$160.00} ( less than one monthly payment amount ). However, Mohela had again redisclosed my loan without notifying me. Not only did they set the payment amount to {$25.00}, but also they gave a forbearance until XX/XX/XXXX. Basically, they would be collecting interest for five months without payment, and then continuing to charge interest for the 6-7 months it would take me to pay off the loan - instead of just accepting my regular monthly payment amount to close out my loan. 

This is an abhorrent way to do business. Mohela is predatorily taking advantage of consumers ' ignorance to leach additional interest from people who have, in good faith, set up auto-payments to ensure they were timely in loan repayment.
Product: Credit reporting

Medical bill from when I was a teenager under my parents insurance. The medical facility billed me for it and reported it to the collection agency days after I turned XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand that there is a law that states payday loan companies are not allowed to report an account in collections on your credit report. AD Astra Recovery is the company that has the collection listed on my credit report. The original creditor is Speedy Cash, which is a payday loan company. 
I have never received any communication from AD Astra regarding this account. They posted this as a collection account on my credit report in 2021.I recently learned about the law that states a payday company can not list a collection account on your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

An erroneous entry in the name XXXX XXXX XXXX has been placed in my credit report at Experian by XXXX XXXX XXXX. I have tried multiple times by emails, letters, phone calls and no results have been obtained. They continue to show inaccurate names for which i have never been know, never applied for credit under and these inaccuracies are affecting my capability of obtain loans because right know i have no credit score at experian. 

My full name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent a copy of my driver license to them to correct my information without results. I need your assistance immediately to resolve this issue. As a small business owner I need an XXXX loan and I am unable to obtain it right know because of this incorrect information on my credit report.
Product: Credit card or prepaid card

We opened a company credit card with Citibank over twenty years ago, and the company has since closed. The credit card remained active, and a few months ago, I paid off the balance. There was a return, which caused a credit amount on the card. I asked Citibank to send a check and close the account. Citibank sent a check in the name of the closed account, but I can not deposit the account since I do not have a checking account with the name of the closed company. I have the check that was issued by Citibank in the name of XXXX XXXX XXXX  XXXX, and at this point, Citibank is saying there is nothing they can do. 
So, I understand that Citibank will keep my money in the amount of {$310.00}. 

Is this fair?
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

4. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX XXXX Delete this account. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX Delete this account. 
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
Product: Debt collection

Today XX/XX/XXXX I called Mandarich Law Group to speak to them about my account and I was informed by a rep who said that they were a non attorney debt collector that I am in the process of being sued on my account. When I asked why I was informed it was because I missed a payment in XXXX and XXXX and for both of those I called in and asked them not to pull as I had XXXX major life events. When I spoke to them about these payment no representatives mentioned anything to me. I have been paying religiously since XXXX on this account without missing any payments until XXXX months this year. When I spoke to the representative today and I asked why I was being sued and no one mentioned anything his response was did you hold up your end of the agreement. No I asked to skip XXXX payments under the assumption that they were moved to the end of my agreement like an extension. I also dont know how a non attorney debt collector can claim that I am being sued after they also say my debt isnt in collections and its sitting in a state where I can be sued anytime they want to proceed with doing that but who I spoke with said they were a debt collector by a non attorney debt collector and it was an attempt to collect a debt. Please someone make it make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was current on my car payment before I reached out to Santander and asked for a payment accommodation due to XXXX XXXX XXXX  which was granted by Santander, I was surprised when I check my credit report and Santander still reported my account late after I reached out, asked for accommodation and explained my financial situation due to the of XXXX XXXX Account # XXXX 60 Days Past Due ( XX/XX/2020 )
Product: Credit card

I was notified that I was involved in a data breach Data breaches Review the data potentially exposed in XXXX breaches Review the data potentially exposed in XXXX breaches XXXX XXXX Reported XX/XX/XXXX Lowes Reported XX/XX/XXXX SYNCB Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX User Device XXXX Addresses Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX
Product: Debt collection

Am being sued for credit card debt by XXXX XXXX, XXXX XXXX XXXX from XXXX, Florida. It was for a XXXX XXXX rewards card.The account was charged off and sold to XXXX XXXX who sold to XXXX XXXX, XXXX XXXX  XXXX. I was never contacted by original creditor as required by law that the debt was being sold. so it is not a true assignment of debt. The only document i received was old credit card statements. I asked for additional paperwork that proved they have the right to collect and I received nothing. 
I found out through public records of a lawsuit. I called and spoke to a representative who made me an offer that I could not afford. They would not budge. I am disabled and living on social security. I believe they have to provide me with proof of assignment showing that the account was sold from original creditor to them. I am not disputing the debt from the original card holder but only that i was not contacted and when I asked for documentation, I got no response, except that a lawsuit was filed. I found out in a advertisement from a outside mediator who wanted to represent me. In addition I asked to speak to an attorney and they refused.