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

I am writing to dispute inaccurate and contradictory information on my Equifax credit report concerning my XXXX XXXX XXXX Bank credit card account. The report shows the account as closed/charged off in XX/XX/year>, yet it continues to be reported as current afterward, despite being closed. Additionally, the payment history for XXXX, XXXX, and XXXX of 2021 reflects the account as XXXX  days late, which appears inconsistent given the other conflicting data. 

Details of Inaccuracy Contradictory Status : The account is listed as closed/charged off in XX/XX/year>. 
Despite showing as closed/charge off, the Equifax credit report continues to mark it current in subsequent months. This is contradictory and suggests inaccurate reporting. 
Inconsistent Late Payments : For XXXX, XXXX, and XXXX of 2021, the account is reported as XXXX days late each month, which indicates multiple conflicting remarks for the same period. This is inconsistent and raises questions about the validity of the reported delinquencies. 
These discrepancies not only misrepresent my credit history but also harm my overall credit profile. 

Legal Basis for Dispute & Requested Action Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute any inaccurate information in my credit file. Upon receiving this dispute, Equifax is obligated to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ) : Verify the accuracy of the disputed information with XXXX XXXX XXXX Bank. 
Correct or remove any information that can not be verified or is deemed inaccurate.

Comply with Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ( b ) ) : The furnisher, in this case XXXX, must investigate, verify, and report back to Equifax correct and consistent data regarding my account. 
Specific Requests Verify Account Status and Dates : Please confirm the exact date this account was closed or charged off. 
If it was truly closed/charged off in XX/XX/year>, it should not subsequently report as current. 
Correct or Remove Inaccurate Late-Payment Notations : If XXXX can not substantiate the XXXX marks in XXXX, XXXX, and XXXX of 2021, these late-payment notations must be deleted or corrected. 

Once this investigation is complete, please send me a revised copy of my Equifax credit report reflecting the accurate status and payment history of this account. 
Failure to address these inaccuracies promptly will compel me consider any additional remedies permitted by law. 

Thank you for your timely attention to this matter.
Product: Debt collection

I am writing to vehemently dispute the validity of a collection account appearing on my credit report, which was allegedly reported by Hunter WarfieldXXXX. The inclusion of this account has had detrimental effects on my creditworthiness and financial standing. 
I disputed the collection account with the credit bureaus in XXXX XXXX  XXXX it was deleted .... now it has been reinserted to my credit file without proof or justification. And it has been place on my credit as a new debt that came about in XXXX XXXX although this erroneous account was placed on my credit a year ago. 

I must emphasize that the inclusion of this erroneous collection account on my credit report is not only inaccurate but also constitutes a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Therefore, I requesting that the CFPB can help facilitate the matter and XXXX XXXX agency promptly removes the disputed collection account from my credit report within the next 10 business days. I have filed a similar complaints with other regulatory agencies but now limited to the FTC and the AG 's office. 

I plan to initiate civil litigation for damages, and seeking injunctive relief to compel compliance with federal law. 

I trust that you will treat this matter with the urgency and seriousness it warrants. Should you require any further information or documentation to facilitate the resolution of this dispute, please do not hesitate to contact me at the aforementioned contact information. 
I expect to receive written confirmation of the removal of the disputed collection account from all major credit reporting agencies upon its resolution.
Product: Credit reporting or other personal consumer reports

I am reaching out to express my concerns about several discrepancies I have identified in my credit report. Upon review, I found multiple errors, such as incorrect account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These inaccuracies are adversely affecting my financial well-being, and I urgently need your assistance in resolving them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts 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. States a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I filed complaint # XXXX about BANK OF AMERICA HOME LOAN and received an email today from CFPB that BOA can not respond to the complaint because I never submitted 3rd party  authorization. I submitted twice. Once by fax the other by direct email to XXXX on XX/XX/XXXX, @ XXXX XXXX along with additional documentation that was requested of me. I have been talking to XXXX XXXX and he has never told me that he never had it. He called me today and didn't leave me a message. He told me yesterday he would have a reply for me this week and now I see this from your offices. 

I am filing this complaint to address them not processing the modification request sent to them on XX/XX/XXXX and I am filing this complaint against Bank of America saying that I didn't submit a 3rd party letter authorizing them to speak to XXXX XXXX from XXXX  XXXX XXXX  who is a HUD counselor who is helping to assist me with the loan modification. BOA is running out my time so that this house will be sold without them dealing with the modification request. They keep asking for documents and every time I give them something they ask for more. I have proven there are funds to cover the modification but they won't accept or deny it nor will they offer any other options and this is what this company does by using up time to cause people further debt. I need help getting them to process the paperwork and not sale the house because they refused to acknowledge they dropped the ball and didn't process the paperwork submitted to them on XX/XX/XXXX.
Product: Credit card or prepaid card

I was accepted to us the my apple credit a couple days ago and was told it was ready for immediate use and my daily limit is {$3500.00}. It is one week before XXXX time so I began to make some purchases which was the whole reason for me getting the card. I used my card at a local gas station for a small purchase and it went through but for any large amounts the card would not go through. When I called to speak with a specialist I was told all the declines transactions were cleared and Im able to use the card now. Tried it again and no luck so I called back again to be told there was some Id verification issues which he fixed and it was easy for use again. Tried it again and still no luck. Called back a specialist only to be told nothing it wrong with the card it should be ready for use but it isnt working and no one seems to know how to fix the issue. This is big inconvenience to me because I got a credit card I can not use when I specifically got it because XXXX is next week. Any help would be greatly appreciated thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Account XXXX 's XXXX, XXXX, XXXX, XXXX  XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX XXXXXXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX Account # 's 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
Product: Debt collection

Debt collection agency XXXX XXXX XXXX  Has been reporting debt I don't own they with credit card terms not agreed to. Also furnish wrong amounts and terms for years with no ownership of debt and wrong amounts knowingly.
Product: Credit card

I have been disputing this account and going back-and-forth with Best Buy since XX/XX/2023. I keep getting the runaround and they keep denying my dispute but keep continue to tell me to refill it over and over. I order earphones for my daughter and went on vacation for her birthday, which is XX/XX/XXXX I get back And go and pick up the earphones and ask in the statement below I was initially told that they were sent back because I took too long to pick them up. It has been back-and-forth since then between customer service and Best Buy store. Story short they keep sending back my dispute, saying that the companies policy is to ask for identification, which was not done According to the manager who works at the Best Buy location in XXXX Delaware. She stated that they do have a lot of situations with the seasonal workers, not asking for identification and or just giving The wrong items to different consumers. 

After one of my disputes early this year they told me I needed a copy of a police report for the records to open up the dispute. So I called XXXX XXXX police and got a police report. 
I called Back give them the number and they tell me they never needed a police report, but took the Police report number, officer name, etc. I have submitted a claim to the Federal Trade Commission as well. I have uploaded a copy of my Was not in the state of Delaware during this transaction pick up I even sent in a statement that they asked me to send. I have done every single thing they asked me to do for almost a year, and this company is still going back-and-forth with me about this dispute, its been sitting dispute often on for almost a year and every time I call someone is telling me theyre getting it rectified its gon na be taken care of and it will be off of my credit report, but its not. 

To make matters first, they are Illegally negatively reporting, my account as past due To all three Credit borrows wow it is actively in dispute status I bring it to their attention and they tell me that they will be corrected but its never done. The company illegally lowered my credit limit based on the reporting that I am in Late status when I am not which has affected my income ratio due to no fault of my own.
Product: Mortgage

My mortgage loan servicer changed to Freedom Mortgage in XX/XX/year>. Its been a nightmare from the start. They claimed there was an escrow shortage in XX/XX/year>. There was some issue with the homeowners insurance policy. I worked from XXXX to XXXX to get the issue resolved. I contacted my homeowners insurance company XXXX. To verify that I did not want any changes in the policy. I resolved the issue with XXXX and they sent a refund check which I then paid to freedom mortgage company on XX/XX/year> in the amount of {$3100.00}. In XX/XX/year> I paid {$1500.00}. In XX/XX/year> I paid {$2000.00}. They are still saying there is balance the automated system is saying the balance is around {$8000.00} and the website says a balance of around {$6000.00}. They have sent XXXX late payment marks to my credit report. Ive repeatedly contacted freedom mortgage to resolve the issue.
Product: Bank account or service

I deposited a check for {$800.00} on XX/XX/2017, I did not know until XXXX/XXXX/2017 that a charge-back was going to happen with that check on XX/XX/2017. Since I had used some of the {$800.00} against ( what I did not know was a negative balance ) On XX/XX/2017 I deposited {$800.00} in cash from my personal funds to cover everything that was pending, but an administrative hold was put on THAT {$800.00}. Overdraft fees were charged while transactions were pending instead of when they posted. That caused a domino effect for several other legitimate transactions to be returned unpaid and more OD fees. As a veteran-owned, and woman-owned Small Business solely supporting my XXXX with my personal funds, this has caused irreparable, unfair, and unnecessary harm to me, my business, and my family. 
The action BB & T took, placing an Administrative Hold my small business checking account, was unfair. It may not be against Federal Reserve policies, but the reason I feel that this is a dire situation is because there are other scenarios that could easily happen that could very easily permanently cripple a small business like mine. Examples of other instances were this could happen : 1. XXXX does an account verification by making XXXX small deposits ( approx. XXXX cents ) and XXXX withdrawal of those XXXX amounts. That XXXX small withdrawal can cause an avalanche of fees starting with just that XXXX small withdrawal costing {$36.00}. 
2. I stop for gasoline while on a trip to deliver a quilt. The gas station places a {$1.00} hold on my debit card. If I do not know that there has been a charge-back and I am in the negative with my available balance - that {$1.00} hold has just cost me {$36.00} and then the actual amount for the gas will cost me another {$36.00} plus everything else I have paid for with my debit card that day. 
Those are just two examples of how this practice can cause us harm.
Product: Debt collection

IC Systems Collections claims i owe them {$2000.00} for a closed sprint account. It was placed for collections on XXXX I have not knowledge of this collection. I had and paid a XXXX  cell phone bill back in XXXX. I have not used or had XXXX  services since XXXX. I've asked for a detailed bill, but I haven't see one. I've attempted to dispute this with IC Systems Collections on several occasions, but no one from the company can produced the original documents.
Product: Credit card

I opened up a secured and unsecured credit card with Navy Federal Credit Union. In about XX/XX/year>, my account was hacked and charges ran up to over XXXX for each card. I reported to the credit union but it is still showing I'm responsible for those charges.
Product: Credit card or prepaid card

I paid off half of my Apple Card on XX/XX/XXXX and the other half on XX/XX/XXXX. Its now XX/XX/XXXX and the available credit is not available. I have requested that Goldman release the funds but they refuse to comply and refuse to get me someone who will. They state it takes extra time to validate my payment but I have called my bank. They state that my payments are not able to be reversed because the money is already with Goldman. So they have the money in their account and are punishing me for extra time because Ive had returned payments in the past. They said the only thing they can do is have me apply for a limit increase which was denied because of returned payments in the past. Looking at the Apple Card payments on my XXXX, the status of the payments show completed for both but Goldman refuses to release it.
Product: Credit reporting or other personal consumer reports

I did not authorized these inquiries and considered to be fraudulent.
Product: Credit reporting or other personal consumer reports

These accounts are reporting fraudulently and need to be removed off my credit report immediatly.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX and Equifax for false reporting on my credit report, which has significantly damaged my credit score and adversely affected my livelihood. 

Background Information My name is XXXX XXXX, and my XXXX credit report reflects inaccuracies that have unjustly reduced my credit score to XXXX, along with Equifax reporting my credit score to be XXXX, placing it in the Poor category. This false reporting stems from issues including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is the same account : Marked as potentially negative without accurate updates or justification. 

Case Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX following a voluntary dismissal. There should be no remaining balance or negative impact associated with this account. ( Reference : Case Details Document. 

These errors have resulted in significant financial and personal distress, including : Denial of credit opportunities. 

Inability to secure better financial terms or loans. 

Detrimental effects on my ability to maintain and improve my livelihood. 

Impact on My Livelihood As a result of these inaccuracies, my livelihood has been severely affected. The wrongful classification of my creditworthiness has : Limited my ability to secure essential resources and services. 

Created undue stress and financial hardship. 

Requested Resolution I request that the Consumer Financial Protection Bureau investigate XXXX and Equifax 's false reporting practices and require the following : Immediate correction of all inaccurate information on my credit report. 

Removal of any negative entries linked to resolved or dismissed cases, including those from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Compensation for the financial and emotional damages caused by these reporting errors. 

I have attached supporting documentation, including court records and current credit report summaries, to substantiate my claims. ( References : Case Documents, XXXX Credit Report Summary, Equifax Credit Report Summary ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I trust that you will address this issue promptly and fairly. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I noticed my bank account balance was lower than it should be and when I opened up my banking app I seen 21 ATM withdrawals for a total amount of {$3200.00}. The withdrawals were made in {$100.00} or {$200.00} increments. I immediately contacted JP Morgan Chase bank and reported these fraud withdrawals. I made contact with the bank daily checking on the status of my claim. After 7 days I received the initial temporary credit into my account. I went on with life as usual and never heard anything about the claim. 
On XX/XX/23 without any communication the credits were reversed. I immediately contacted the bank to which I have had 0 resolution. I was told my claim was " denied ''. I am currently on a list waiting for a manager to call me back regarding this. 

Initially there were 2 claims because my savings account was also " drained '' on XX/XX/23 for {$700.00}. They required there to be 2 claims since there were 2 accounts involved. The strange part is the Savings account claim was " approved '' and the monies remained in that account. I was told the approval was " set in stone ''. 

So why or how could they deny one claim and approve the other when everything about the claims were identical. Same day, same time, same type.
Product: Credit reporting or other personal consumer reports

Kindly remove these inquiries. I have no information about them, and the company made them without my permission.
Product: Checking or savings account

On XX/XX/23, Someone used my card information and stole {$4800.00} out of my chime account and sent it to their personal XXXX XXXX I called to report the fraudulent activities because I kept getting notifications that money was getting taken out of my account while I was at work but by the time I got ahold of someone, the hacker already drained my account and left me with {$3.00}. 
They signed me out of my account and changed my personal email and phone number. 
I even received several emails that someone had updated my information. I live in XXXX and the hacker was somewhere in XXXX, ID and another ( hacker ) attempted to sign into my account in XXXX XXXX. 
They sent themselves XXXX transactions in the same day, totaled up at {$4800.00}. 
My account is currently under investigation but chime isnt able to put a freeze on my account for all of these pending transactions. I am a single mother of two boys and I need every XXXX I can get. Please help me.
Product: Credit reporting or other personal consumer reports

I have checked my credit report and I see an hard inquiry from company XXXX XXXX on XX/XX/year>. I have never applied to anything for this company or given them my consent to run my credit. please remove this immediately.
Product: Credit card

i had fraud on my account, false charges and the accounts were closed,, when I called in XX/XX/XXXX no one knew why and how, I called on XXXX XXXX and still no one knows why this happened and there fraud department said there is no notes as to why, this has caused a major hit to my credit score and denials, also many fraudulent charges. also I have been part of the XXXX XXXX  leak and XXXX  leak.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date, which is 60 days later, I still have not received any response. I am under the impression my disputes are being ignored and/or disregarded ; and feel as if I am being taken advantage of. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were not mine. Not even my name. XXXX, equifax have allowed these people using wrong names to add to my credit report along with wrong addresses and I have already went to the companies and they are all fighting with me to remove them. I have had to fight XXXX along with 9 hard inquiries the companies equifax and XXXX  keep saying verified. XXXX  has deleted them. I have spoken to all these places and they did agree to remove them yet none have been removed when I disputed them. Had they actually investigated these they would have been removed. I have requested both places to send me all verification info and also the information for the companies verifying them and have recieved nothing. I am a victim of identity theft from applying for credit and also even having collections account for XXXX and also XXXX even a goodys card that was not even my name. addresses not mine and these companies had they verified the 3 things as they are suppose to then this would not be happening. My contact info is XXXX XXXX XXXX. Please get in contact with me. on both Bureaus there are 9 fraudulant inquiries and they absolutely refuse to delete them. I can not even protect myself under the FCRA because they do not follow these rules.