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

I am sending to follow up on my previously submitted complaint dated XX/XX/2023, in which I detailed my unfortunate experience as a victim of identity theft. In accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), I would like to reiterate the urgency of the situation and emphasize the imperative requirement for the prompt removal of fraudulent inquiries and associated information from my credit file. As stipulated by the mentioned section, Credit Bureaus are mandated to remove any items listed on an identity theft report not later than XXXX business days. I have enclosed, once again, the pertinent details of the reported issues, including the ID THEFT REPORT # XXXX for your reference. Additionally, I express reservations about the accuracy of the details provided by the Credit Bureaus concerning these items, as they remain unknown to me. For your convenience, I have outlined the specific items that require immediate removal from each Credit Bureau : XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

This is to file a formal complaint against Equifax regarding the incorrect reporting of my account information on my credit report. Equifax has mistakenly listed the same account under XXXX different account numbers and XXXX different account balances owed, which has resulted in significant inaccuracies on my credit report. 

The account in question is with the XXXX XXXX XXXX XXXX. Equifax has reported this account with XXXX different account numbers and corresponding balances. The first account number ending in XXXX is reported with a balance of {$5700.00}, while the second account number ending in XXXX is reported with a balance of {$6700.00}. These discrepancies have caused confusion and have negatively impacted my credit score. 

I have made several attempts to address this issue directly with Equifax by contacting their customer service department. However, despite their assurances that the matter would be resolved, the incorrect reporting persists. These ongoing errors not only cause frustration but also result in financial consequences for consumers like myself. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and hold Equifax accountable for their inaccurate reporting practices. It is imperative that Equifax rectify this situation promptly and take appropriate measures to prevent similar errors from occurring in the future. 

I have attached supporting documentation, including statements from the creditor, which clearly indicate that there is only one account with a single account number and balance owed. These documents serve as evidence of Equifax 's erroneous reporting. 

As a consumer, I rely on accurate credit reporting to make informed financial decisions. The repeated mistakes made by Equifax not only undermine my trust in their services but also have financial implications. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that Equifax corrects this issue and safeguards the interests of consumers. 

I kindly request that you keep me informed of any actions taken or progress made regarding this complaint. Additionally, I would appreciate any advice or guidance you can provide to ensure that my rights as a consumer are protected throughout this process. 

Thank you for your attention to this matter. I have faith in the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and promoting fair treatment by financial institutions.
Product: Checking or savings account

In XX/XX/XXXX while out of town visiting family for Christmas my husband and I went through a fraud. Our account was hacked and {$1500.00} was withdrawn from my account. I notified chase and I was sent a new card and had to create a new username and password for my accounts. I was just notified on XX/XX/year> that they will NOT make any changes to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one auto finance XXXX XXXX XXXX XXXX XXXX, TX XXXX This company is reporting that this account was included in a bankruptcy. However, I opened this account on XX/XX/XXXX. I totaled this vehicle on XX/XX/XXXX and it was completely paid off and in good standing by insurance. 
They have reported the status date of this being XX/XX/XXXX when this vehicle was already paid off completely by insurance in XXXX. They're reporting fraud and inaccuracies on my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX : Formal Complaint Regarding Debt Collection and Validation Practices for XXXX XXXX and XXXX XXXX XXXX XXXX Dear XXXX, I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX regarding their debt collection and validation practices. 

Companies Involved : XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX Background : On XX/XX/year>, I requested the following information from XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX mail : XXXX. A detailed history of all payments made by me on this account, including dates and amounts. 
XXXX. A copy of the original contract with the original creditor, XXXX XXXX, showing my signature. 
XXXX. Proof of my signature on a contract guaranteeing payment to the original creditor. 
XXXX. Any documentation regarding insurance claims filed on this debt, if applicable. 
XXXX. Proof that they have the chain of title to collect on this debt, including documentation of the transfer of the debt from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX 

As of XX/XX/year>, the company has not provided all the information I requested. Additionally, I have noticed a negative impact on my XXXX XXXX due to this issue which is defaming and impacts my ability to secure credit with reasonable interest rates, as reflected on my credit report.
Product: Debt collection

Derogatory credit report filed. No initial billing sent. Non-responsive reply to my inquiry, or no reply to my inquiry.
Product: Debt collection

I filed bankruptcy and it was dischargedXX/XX/2015. Included in the discharge was XXXX XXXX XXXX. I explained to the debt collection department that I included this bill in the Bankruptcy and it was discharged. They claim that the service was reconnected after bankruptcy. I did not live in XXXX  after bankruptcy discharge, nor did I incur any electrical charge from XXXX. I was and still am paying for services in my home in XXXX - XXXX electric bill. Further they are listing me as an open credit from 3 months ago. All this information is false and I request that it be remove immediately.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX Balance : {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Illegal Reporting of late payments to my consumer credit reports without my permission. Violation of code 15 US 1666B- Billing errorXXXX XXXX XXXX Navient, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S.
Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Debt collection

The following company : XXXX Address XXXX, MO XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX left a voicemail on my husband 's cellular phone requesting I call them back. My husband called the number from the voicemail and asked if they were a debt collection agency, or a company trying to collect a debt. The employee stated they were a " financial services company. '' Misrepresentation by omission is still misrepresentation. When asked directly if they are a debt collection agency or company trying to collect a debt, they should respond in the affirmative. 

In addition, the original debt holder was notified in writing, return receipt requested, that my wife is represented by counsel in this matter, and to contact only the attorney of record regarding this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

In XXXX I agreed to a payment plan with capital one to get my account on track. I had to call monthly on the tenth to make a payment of $ XXXX I did that until XX/XX/XXXX. Towards the end of XXXX my account was supposed to go back to its normal payment of {$220.00}. It did. Mind you I have been locked out of my account and it literally just got resolved. I log into my account to see that I owe capital one {$320.00} and some change. HOW?! Ive been on a structured plan. Never missed any payments since the structured plan and when I contacted customer service she says its An accumulation of old late fees. HOW?! Im confused on how if my account was restructured so that I could get back on track why wouldnt these fees be added into the increased payments I had to make?! Why would you allow me to get my account back on track just to slap me with all those fees after its on track. Im not sure about the games capital one is playing and I dont like it. How do I know you guys havent been frauding me this entire time. Telling me I missed all these payments when in fact I may have missed 1/2 maybe 3. I would like my entire account investigated from beginning to end because. if you would pull a stunt like this with the additional fees you hit me with when my account is back in good standing then who knows how many accounting errors have occurred on my account on Capital ones behalf!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX/2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX/2016 when I could not get either entity to follow Federal regulations.
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. 

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 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 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 card or prepaid card

Merchant Account : XXXX Name of the credit card company : XXXX Bank Name : Bank of America Merchant Services On XX/XX/XXXX, Bank of America Merchant Service Manager ( XXXX XXXX, XXXX, mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FL XXXX ) sent me letter via XXXX stating XXXX has imposed {$25000.00} fine to protect XXXX 's XXXX XXXX XXXX XXXX. Bank of America MS has already debited more than {$6000.00} from my business checking account. <P/>I have requested Bank of America ( BAMS ) to ask XXXX to provide evidence for which XXXX alleges that I have been engaged in selling controlled substance by our company website. I sent my request on XX/XX/XXXX via USPS Priority Mail to provide any information that proved that I am involved in such activities. They have not responded. In XX/XX/XXXX letter BAMS further informed that I have to pay {$5000.00} to XXXX, if I have to file an appeal to XXXX. <P/>I am a very XXXX XXXX owner and I have no resources to file a law suit against giants like BAMS and XXXX. I am a very honest person and I have not sold or purchased any controlled substance in any manner. I would request your support in this matter urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX has confirmed that the account on their records is the result of identity theft and fraud. Unfortunately, our experience with XXXX and Early Warning Services has been nothing short of frustrating and disappointing. These agencies have been belligerent with our private and personal information and have refused to properly investigate and remove the fraudulent item from our records. 

Despite multiple attempts to reach out to XXXX and Early Warning Services, they have not provided us with a satisfactory response or conducted a proper investigation. This leaves us with no choice but to demand the removal of the fraudulent account from our profile. 

The actions of XXXX and Early Warning Services are in direct violation of federal laws, including the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines, as specified in USC Title 15, Chapter 41 and 12 CFR Part 1022, respectively. These laws require that credit reporting agencies conduct a reasonable investigation of disputed information and promptly correct any errors or inaccuracies found. 

Furthermore, the failure of these agencies to comply with these laws not only puts consumers at risk of identity theft and fraud but also causes them significant harm and financial loss, which is a violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, as specified in USC Title 15, Chapter 41, Subchapter II and 12 CFR Part 1005, respectively. 

As such, we demand that XXXX and Early Warning Services not only remove the fraudulent account from our profile but also provide compensation for the emotional distress and financial hardship caused by their negligence. We call upon these agencies to take immediate action to rectify the situation and comply with all legal requirements. We will not stop until our consumer rights are upheld, justice is served, and we are fully compensated for the harm caused by their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this multiple times to Equifax with no results, These collections are not mine and I have an attached and FTC report to get them taken off
Product: Debt collection

I have a collection account on my credit report stating that i owe this company {$230.00} which is impossible as looking at the dates of their information I was in Jail this is not my debt and i am not responsible for this I have no knowledge of this. It is invalid and needs removed at once. This company is comitting fraud by reporting that i owe any money to them. I've NEVER had an account with them or the company XXXX that they are claiming the debt is from.
Product: Debt collection

On XXXX XXXX, 2016 @ XXXX FEDERAL ADJUSTMENT BUREAU, INC. ( FABCO ) called my cell phone which i never gave them my express consent to do. I returned XXXX XXXX call she did not read me the mini-Maranda. After i informed her of her violations she hung up the phone. A couple of days later i received a XXXX letter from FABCO, which was not in compliance with the FDCPA consumer notice requirement and a week or so later i received another XXXX letter from FABCO which was not in compliance with the FDCPA.
Product: Credit reporting or other personal consumer reports

I am disputing several inaccuracies on my credit report reported by various companies. These inaccuracies include unverifiable negative account entries and outdated personal information, which persist despite my prior disputes under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have caused harm to my creditworthiness, leading to potential denials of credit and unfavorable financial terms. 



Key Issues : 1. Negative Account Information : Certain accounts, including those reported by XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX, are listed as charge-offs with inconsistent and unverifiable balances and reporting. 

For example, XXXX XXXX XXXX reports a charge-off of {$88000.00} with a balance of {$97000.00} as of XXXX XXXX  which is inconsistent and raises questions about the accuracy of the reporting under FCRA standards XXXX 

2. Outdated Personal Information : My credit report contains multiple outdated addresses and name variations that are no longer accurate. Examples include incorrect variations of my name and addresses, which contribute to confusion and potential errors in my credit profile.

Applicable Legal Standards : Under the FCRA ( 15 U.S.C. 1681 ), consumer reporting agencies and furnishers are required to ensure that all information reported is accurate, complete, and verifiable. If the information can not be verified, it must be corrected or removed. These inaccuracies and the failure to properly investigate my prior disputes violate these legal standards.

Resolution Sought : I respectfully request the following actions : 1. Immediate removal of all unverifiable and inaccurate negative entries, including but not limited to accounts reported by XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX. 

XXXX. Correction of my personal information to reflect only accurate, up-to-date details. 

XXXX. Written confirmation of the resolution within the statutory timeline. 



These actions are necessary to ensure compliance with federal law and to protect my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint regarding both the unfair reporting of my mortgage payments by TD Bank and the frustratingly ineffective resolution process that followed. 

I have been a homeowner for 14 years and have never missed a mortgage payment. However, due to an escrow adjustment that slightly increased my monthly payment, my autopay did not update accordingly. As a result, for two months, my payments were short by only {$23.00} each month ( {$1700.00} paid out of {$1700.00} due ).

Despite this minor shortfall, my mortgage was reported as a missed payment to credit bureaus, causing my credit score to drop by nearly XXXX points. More concerning than the reporting itself was the complete lack of a reasonable resolution process at TD Bank. 

-- No courtesy notice was provided before the issue was escalated, denying me the chance to correct the shortage before my credit was impacted. 
-- Multiple TD Bank representatives were unable to help, either because they lacked knowledge of the process or had no authority to take corrective action. 
-- When I finally reached someone who could assist, I was told that I would need to submit a written explanation by physical mail and that the review process could take a month or longerwith no guarantee of a resolution. 
-- There is no clear point of contact at TD Bank to follow up with regarding this matter. While they can damage credit instantly, they require customers to navigate bureaucrati red tape and slow mail processes to even request a review. 

I find it completely unacceptable that a financial institution can inflict immediate credit damage over a minor payment discrepancy, yet take over a month to even consider correcting it, with no clear path for follow-up or assistance. This process is unfair to consumers and needs to be addressed. 

I respectfully request that the CFPB investigate these practices and encourage TD Bank to establish a more transparent, accessible, and timely dispute resolution process. 

Thank you for your time and consideration.