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

Equifax is showing a collection account on my credit report. This account is inaccurate and despite my dispute they have not removed it nor have they provided any documentation to verify or validate that the ( inaccurate )  account that they will not remove is in fact mine or does belong to me. 
The Equifax confirmation # in question is XXXX. 

XXXX has already concluded that the account was NOT accurate and has removed it from my report ( a copy of that notice is attached as well ).
Product: Debt collection

On XX/XX/year>, there was a charge on my credit card in the amount of {$120.00}. XXXX by XXXX XXXX XXXX I disputed this because I have never been to XXXX. My credit card refunded this. A month later, I got a letter from debt collection agency, Transworld System Agency ( TSI ) collecting me for {$350.00}. I was surprised because I never got any bill and suddenly I got a letter from collection agency. I wrote back TSI asking for details and they said their client is XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX Fl XXXX ). I tried to call XXXX XXXX but they could not help me. I am a XXXX XXXX and I have never gone to XXXX. I do not know how they got my name and address or my credit card number and how they were able to produce an account number in XXXX XXXX with my credentials. The collecting agency has been sending me letters and this is so aggravating. Please help me stop this.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have a late payment appearing on my XXXX XXXX credit card account opened XX/XX/XXXX ending XXXX account that I was that was in fact paid on time. As i have this credit card on auto payments to ensure that i am never late. The consumer reporting agencies need to report all information with complete accuracy. This account has never been late on payment. I've attached a copy of my credit report to this complaint on the following date XX/XX/XXXX I'm now requesting you to investigate such discrepancies on this account. Please verify through obtaining evidence, such as statements, demonstrating the late payments being reported. If the creditor is unable to provide the proper evidence confirming all 3 late payments reporitng. I surely hope you follow your rules and regulations and demand the lates be removed and update this late payment reporting to be paid on time immediately. thank you for your understanding and prompt action to my request.
Product: Credit reporting

Your site is not working correctly. It accepted my information and then offered the credit score for XXXX, which is not free. Your site would not allow me to go back to the prevue screen because I am not paying your company anything. I will be reporting this to the Illinois Attorney General 's Office Monday morning. The option to get the report online never appeared. I had to close the site to get it to do anything. Your security letters request was also malfunctioning. When I went to email your company, it rejected sending the email stating there were errors. There were no errors.
Product: Credit reporting or other personal consumer reports

I have become aware of the CFPB Experian Lawsuit. 

I know that Experian has negatively impacted me, hurting my credit opportunities after I received a response to my earlier dispute that the account was " verified. '' I have provided documentation of the company 's violations of the Fair Credit Reporting Act ( FCRA ), as Experian blatantly ignores proof of inaccuracies and the law. 


Please see the attached document.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows no company name with account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$190.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Bank account or service

I deposited a check into my Bank of America personal account from my business account. The deposit slip did not state a hold will be placed on the check, at the time of the deposit. However, the next day when I looked at my account I saw a hold was placed on the check even though it was already debited and paid from my business account. This resulted in a returned ACH check and a fee of {$35.00} for NSF. 
I called Bank of America and was told there is nothing that can be done even though the check from my business account was paid and the ACH will be returned.
Product: Debt collection

I tried to contact the company via certified mail and they won't respond to regular or certified mail. I don't know what else to do to resolve this. The company received the certified mail XXXX XXXX @ XXXX. Please help
Product: Checking or savings account

This complaint is in reference to a personal checking account that was opened during the year of XXXX. The account is currently closed. 

Approximately around early XX/XX/XXXX, I made an in person inquiry to a branch in XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ) to request a document that indicated a series of Cashier 's Checks were purchased and paid via my personal checking account. The payee was ( XXXX XXXX ) I spoke to a banker in the customer service area and explained how critical and important it was to receive the retrieval of these Cashier 's Checks since my mother is a plaintiff for a lawsuit related to an illegal foreclosure. I explained the narrative of the case and advised there is a scheduled court trial in early XX/XX/XXXX.I left copies of all the Cashier 's Checks and they assured me I will receive this information by mail. I have not received anything by mail or a call from the branch thereafter. I called customer service and walked into the branch, yet they did n't have any information since this was forwarded to a different department within the bank..The defendant in the case is claiming these checks were never received nor paid to. It is imperative I receive these documents to present to court in a few weeks. Up to now, I have had a very challenging experience in retrieving them from Bank Of America. I have attached all copies of these Cashier 's Checks for your review.
Product: Credit reporting or other personal consumer reports

To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/2024. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. 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. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name
Product: Vehicle loan or lease

In around 2015 the cosigner of my vehicle ( we had equal responsibility of the car on the title ) illegally towed my car I had made all payments on time for and brought it to the XXXX dealership we got it from and had the loan terminated from wells fargo as they traded it in for another car for themselves. I contacted wells fargo and XXXX XXXX of XXXX Arizona and they wouldn't respond or comment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My insurance premiums kept going up though I had no tickets or accidents. This last time I just couldn't take it no more when they up and took it out of my account at almost double my premium I called they said that I had a ticket and no I haven't. Argued with them for a minute then they told me to get my record. Gave me the number to the reporting agency and I requested a copy. They sent me a copy and then I see several tickets and accidents I never have as well as the lady 's information that had this stuff. Different date of birth differant ssn different address well different everything even name. This is so unfair on credit reports and now I've been forced to pay higher insurance because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report has disappeared. I have tried to apply for a mortgage and have been denied because the lender could not pull my Equifax report. 
I called Equifax, followed their request to submit a letter with copies of my SSN, proof of address, and letter stating to update my account. 
Approximately 30 days later I received a letter from Equifax saying I did not follow their instructions correctly and nothing had changed. I called Equifax and spoke to 2 different ladies, and they both verified they received my information correctly and I did not need to do anything else. 
However, as of today XX/XX/XXXX, my Equifax credit report is still unavailable. When I log in to their website, my score says it was last updated on XX/XX/XXXX and I receive an error code that reads " Please give us a call and give this code to the Agent : XXXX ''. 
However, when I give the code to the agents, none of them know what XXXX  means and they assure me there is nothing else I need to do. 

Please help. My wife, children, and I would like to buy a house and Equifax is preventing us from making it happen.
Product: Vehicle loan or lease

My daughter XXXX XXXX purchased a car from XXXX XXXX XXXX in XXXX Colorado in XX/XX/XXXX. The car continually leaked water inside and collected on the floor above and underneath the rubber car mats each time it rained. 
We brought the car in several times for repair. They claimed to have replaced the windshield twice, yet it continued to leak. 
My daughter started to suffer from XXXX, XXXX and XXXX XXXX XXXX a few months after owning the car. 
She's been receiving XXXX XXXX ever since. We thought the car and her breathing were related, so we drove to XXXX for tests ; the car inspection showed XXXX XXXX, she was tested positive for XXXX as well at one of her medical appointments. 
We regularly went to to XXXX  for assistance with the car leak, they were rude and condescending to us. We brought them the test results for XXXX on the car and her medical bills. They were uninterested. A couple weeks later her car was repossessed while she was in a store, only 2 weeks after her last payment was made. 
They sold the car after that at an auction. A few months later, an article in our local paper explained the dealership had been under investigation and were court ordered to re-pay clients who purchased vehicles between XX/XX/XXXX and XX/XX/XXXX. We have never heard from them at all in regards to her account and the legal action of them repaying clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

None of the bureaus responding to the letters that I am using to dispute the inaccuracies on my credit report. All I see are responses that the information was verified and accurate. I've requested their methods of verification, yet I have not received that any documentation of their processes. How can I properly dispute these inaccuracies if the bureaus aren't willing to supply their processes or methods of validation for these erroneous and inaccurate accounts? The information in my reports is not being accurately reported. Their inability to properly investigate and display correct information in my reports is impairing my ability to support my family. Any assistance would be greatly appreciated.
Product: Debt collection

Went to the XXXX room XX/XX/XXXX or XX/XX/2020 I had insurance at the time. Some how they failed to update my insurance. They have placed a medical collection on my credit report for {$160.00}. I have called the collection agency along with the imaging center and updated my insurance with both of them. Also, a law was passed XXXX collections agencies are not able to report medical bills under {$500.00} the collection agency is professional credit management
Product: Credit card

My name is XXXX XXXX XXXX XXXX and about a year ago my brother gave me an additional card for his American Express XXXX  with an XXXX ending and it was canceled several months ago. Right now I have my personal American Express Everyday card in my personal account and I have paid all my account statements in a timely manner and I have had the problem for a long time, that when my brother is late with a payment it affects my card because I can not use it and it affects my credit score, I called service to the client and they told me that this was happening because I was the owner of my brother 's XXXX  account and I explained to him that it is impossible for me to be approved for an American Express XXXX card in XXXX because I had {$0.00} in income in XXXX and I made approximately $ XXXX in XXXX, thanks to that information the customer service assistant found that there was an error in the system because my identity was mixed with that of my brother and that a separation of accounts had to be made, but to To do this my brother needs to write a letter where I sent his social security information and a copy of his ID, I do not have a good relationship with my brother at the moment and I explained it to customer service, and they told me that is the only solution that they could provide me and that if it is not done that way in the meantime I will continue to be the owner of my brother 's debts and if he is late with any payment it will have an impact on my credit history, I always make my payments on time and I disagree that the solution to my problem is having to beg a person to send a letter when the problem comes from the American Express system.
Product: Credit reporting or other personal consumer reports

SELF continues reporting a late payment on my prepaid account despite multiple disputes. This account was fully paid with no outstanding balance, yet a fee was added without notice. The late payment is inaccurate and violates FCRA 611 ( a ) ( 1 ) ( A ).
Product: Money transfer, virtual currency, or money service

Cash app is refusing to refund money I sent as a deposit for goods or services I did not receive on sat XX/XX/XXXX totaling {$300.00} the person is refusing to send my money back
Product: Credit card

I have a dispute with a merchant called XXXX in the amount of {$4900.00} that Fifth Third Bank has not removed. I 've ask them to remove this charge repeatedly through numerous letters and chat and I 'm being completely ignored. The charge in question is not mine and they need to remove it from my account.
Product: Credit reporting or other personal consumer reports

After Michigan XXXX XXXX XXXX in XXXX had informed me that fake doctor XXXX XXXX fake XXXX had open accounts up there belong to me. On XX/XX/year> at XXXX I then received an email XXXX provided case XXXX but are currently assisted with an investigation by new XXXX XXXX XXXX XXXX in New York and are telling me don't trust them and could be connected to XXXX XXXX XXXX their IT Department has discovered and tracked all my funds are laundry to XXXX  XXXX XXXX XXXX and are in need of the CFPB help to locate and get an answer.
Product: Checking or savings account

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Bank Of America absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [ Consumers should redact information that is unrelated to the dispute with this company. ] Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, 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 XXXX 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 FCRA 605B ( Identity Theft Claims ). 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 ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Equifax on XX/XX/2021. It is XX/XX/2021 and it STILL HAS NOT been completed and Equifax will NOT remove the items disputed. The company is clearly in violation!!
Product: Student loan

NAVIENT The following PRIVATE loans were taken out to attend XXXX XXXX in XXXX Loan 1 dated XX/XX/XXXX original principal {$5800.00} Loan 2 dated XX/XX/XXXX original principal {$5200.00} Loan 3 dated XX/XX/XXXX original principal {$5200.00} The last page of each ACCOUNT HISTORY attached shows fraudulent beginning unpaid principal balances of the following and not the correct original principal balances listed above : Loan 1 {$6300.00} Loan 2 {$11000.00} Loan 3 {$11000.00} On XX/XX/XXXX Navient has a resale line item on each of these loans taking off fraudulent amounts.

Loan 1 {$6300.00} Loan 2 {$6400.00} Loan 3 {$6400.00} From XXXX to XX/XX/XXXX 5 YEARS Navient was charging capitalized interest on fraudulent amounts plus on my original loan principal amount. Navient was reporting fraudulent amounts that grew to the credit bureaus creating my credit to be improperly damaged.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) for knowingly reporting a fraudulent loan on my credit report, failing to conduct a reasonable investigation as required under federal and state laws, and ignoring my identity theft police report that proves I am a victim of fraud. 

Fraudulent Activity & Identity Theft Details This fraudulent loan was the result of identity theft committed by XXXX XXXX, a former family friend, who : Stole my wallet and obtained unauthorized access to my personal property and confidential information ( documented since XXXX ). 
Used my stolen information to fraudulently rent an apartment, open accounts, attempt payday loans, and make unauthorized purchases. 
Opened a fraudulent XXXX XXXX with XXXX under my name without my knowledge or consent. 

XXXX XXXX was a trusted family friend, which allowed him to gain access to my personal information and commit multiple fraudulent acts over time. 

I have never spoken to or interacted with any representative of XXXX regarding this loan. XXXX failed to verify my identity and approved a loan based on fraudulent information. 

Despite submitting a police report confirming the identity theft, XXXX continues to report this fraudulent account, violating multiple federal and state consumer protection laws.