23daVinci/CFPB_Complaints huggingface dataset:
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 following are accounts I am complaining against under my Equifax report XXXX Report And XXXX report XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I Sent an Affidavit of truth along with a cease and desist to Credit Control , LLC on XX/XX/2021 they failed to provide the information that was requested and they continue to contact me through the mail. Which is a violation of 15 USC 1692 c. This continued harassment is a strain on my health due to the stress.
Product: Student loan

After reviwing my current statment with the interest I'm being charged, I will be XXXX XXXX XXXX when it is fully paid! 
I am willing to pay but the original loans I have been paying on since XXXX  have only gone from $ XXXXfor my daughters education is now {$95000.00} after paying for 11-years. My daily interest payments yes daily are {$20.00}, or $ XXXX. At that rate when the loan iis repayed I will have spent {$130000.00} on interest alone. 
If the interest is removed I can pay the $ XXXX and I will be XXXX and hopefuly still alive to pay this off. 

This is a Nelnet Parent Plus loan for my daughters education. I do pay over ~ {$15000.00} of income tax the the Federal goverment every year as a working XXXX  and support my XXXX wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX bank " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX Bank Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX credit card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX credit card Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, So I spoke to my bank XXXX XXXX XXXX XXXX, and Transunion about an issue with a credit account that was removed from my credit report without my consent. 

I spoke to Transunion on XX/XX/2021 via phone and online about a remark on my account that dropped my XXXX XXXX by XXXX points. I asked transunion over the phone and online about the drop, saying there might be an issue with my XXXX  credit card. Transunion spoke to me and said over the phone they removed the remark. 

About a month later I noticed how my account for XXXX was back to my usual credit score, but my Transunion account had not returned to normal. I noticed that my credit card account was removed for some reason. I have been speaking to both Transunion and XXXX  about this, and have messages from XXXX  on their app. XXXX  has stated they reached out to Transunion and were told I needed to provide some type of reinsertion letter with my signature and other information on it, I am not doing that and making myself liable if there is some fault on one of these parties here. I spoke to Transunion about this, and they stated that XXXX  never reached out to them and started whatever reinsertion process. 

I have never told any of these parties to remove any account in my name, I still have my credit card and the account is open. I want a 3rd party to mediate communication amongst these two and please get this handled, that is it. I am not doing another round robin involved with this, because someone probably just made an error somewhere because I was concerned about a sudden credit drop. 

XXXX XXXX
Product: Debt collection

Resurgent Capital Services has been attempting to collect {$1500.00} from me. In XXXX or XX/XX/2024, I submitted a written request for verification of the debt. On XX/XX/2024, I received a reply from Resurgent that included an " account summary which provides verification of debt. '' The account summary they provided is a credit card statement from my original creditor ( XXXX XXXX XXXX  ) that only has a balance of {$69.00}. This erroneous debt has been on my credit report for an extended period and has potentially affected my ability to secure credit, such as an auto loan, or secure rental housing.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Credit card

this is my favorite bank with favorite card but i am very concerned my issue which is veyr important to me is not handled appropriately. its a dispute of XXXX i have NEVER made a dispute in 11 years of excellent customership here but now i am and i am serious about seeing it through and getting refunded at least the XXXX if not the whole amount. I fear it is not being handled properly as evidenced by the stupid letters i sm receiving in the mail. On XXXX i paiud for my child to go to tennis camp 25 days. At that time i did not realize there was a NO refund policy. I know that does not matter.Well after 6 days of her crying every day without me being told by the camp despite calls every day asking finally on XXXX i pulled her out when someone honest told me about it. she was sitting there doing nothing as she had all day before that. First day i was told this. on XXXX i reached out teo them to use some of my credit on another seice since this was the first i was made aware that i had signed a no refund policy. Again would not have signed it had i not been rushing to sign to get my child in. in may.I had ben signed up for XXXX lesson until XXXX when the owner XXXX XXXX answered my emails by accusing me of breaking his contract he had no concern about why i had left, what had happened with my child only that i used the monies tha ti had purchased. no other concern except telling me it was MY PROBLEM if i did not come back. No refunds. he also told me XXXX XXXX that if i did not come back again he displsyed no interest in why i had left if i did not come back hewould re bill me. That was his ONLY concern. Certainly not what you would expect from someone dealing with a child and a service. i told him that day i was NOT coming back. based on his treatment and the uneasiness of the deception associated with the 6 days she did attend. he then rebilled me XXXX on XXXX after the summer ended seemingly with no understanding or wonership of the failed customer service. their position is Simply i signed something. it is that they offered me MULTIPLE opportunities to attend maybe they do not understand XXXX i was not attending after XXXX was lied to about my child when dhe did not attend and baically paid for her to sit out and do nothing XXXX i was treated as i was NOW i sent all the emails to Consumer affairs XXXX and capital one. EVeryone agrees with me.I know i signed the contract but telling me in this instance to ask for a merchant refund is riiculous. absolutely ridiculous. I want a refund.go to the merchant and say NO service, poor Customer service but stick up for me properly after 11 years. I can not believe what i have endured. ask yourself would you return??? I will NEVER again rush to sign something. i want at least my XXXX back if not the entire emoaunt. Go to it please NO EXCUSES designed to XXXX.
Product: Debt collection

On XX/XX/2023, I received a phone call from XXXX XXXX XXXX regarding a debt from XXXX XXXXXXXX XXXX. I explained that I actually had spoken to the XXXX XXXX XXXX several times and was repeatedly told I would be refunded {$1300.00} from the policy cancellation, therefore, I would like to dispute the claim. On that date, I also requested debt validation. I did not receive this letter until XX/XX/2023. The letter was dated XX/XX/2023 which according to what I've read, is a violation of the 5 day rule. Additionally XXXX reported me to the credit bureau on XX/XX/2023. I received no other correspondence with Transworld Systems Inc from XX/XX/2023 - XXXX XXXX. 
I have also included documents that I have sent to XXXX XXXX XXXX ... specifically the email from Monday XX/XX/XXXX where my agent informs me that I do not owe on any accounts and that XXXX owed ME money. 


TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX Reference # XXXX Creditor : XXXX XXXX XXXX ACCT # XXXX Balance due : {$690.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction and disappointment with your bureau 's handling of my identity theft complaints. This situation involves not only the theft of my personal data but also underscores your bureau 's indifferent approach to addressing my case.

I have provided all necessary documentation, including the FTC report I filed with the Federal Trade Commission, to prove my innocence and the criminal nature of these actions. Despite the seriousness of the situation and its significant impact on my life, your bureau 's response has been alarmingly inadequate. Communication regarding the status of my disputes has been minimal, and the responses I have received have been generic and unhelpful.

This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I trusted to protect my credit and financial well-being.

I urge your bureau to take my identity theft case seriously and expedite the investigation process. Please thoroughly review the evidence I have provided and promptly remove the fraudulent accounts and transactions from my credit report. Additionally, I request that you take measures to prevent such incidents in the future, as my personal information was clearly mishandled and abused. 

XXXX XXXX XXXX and XXXX XXXX Bankruptcy-dismissed Reference : XXXX.
Product: Checking or savings account

I called Wells Fargo Bank, NA on XX/XX/2023 to determine how I could add my children as " payees on death ''/ beneficiaries to my checking account. They stated that they require me to visit a branch to add my children as POD. However, I opened this account online and I live hundreds of miles from the nearest Wells Fargo branch. I requested that they mail paperwork and I could even get my signature notarized. However, they would not provide me with that option. I believe this is a violation of XXXX and other banking laws as well as XXXX XXXX XXXXXXXX XXXX. This policy would require me to spend XXXX XXXX XXXX in gas and hotel fees to make a simple change to my account. 

I would like to add that I have dealt with XXXX other financial institutions about this issue. I have either been able to add my children as beneficiaries/PODs to my accounts online, or they have mailed me paperwork to sign. Wells Fargo is the only bank that has been unwilling to provide me with such an accommodation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX XXXX  on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXXXXX.please delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Product: Credit card or prepaid card

I had already made a full payment of US {$180.00} ( both by cash and refund ) before the due date ( XXXX ) to cover my statement ( XX/XX/2022 ) balance of US {$180.00}. But on the due date, XXXX XXXX, the XXXX XXXX XXXX was still using their autopay system withdrawing money from my closed bank account to pay the future unbilled balance amount of US {$69.00} XXXX which the payment due on XXXX. I was incurred the Return Payment Fee of US {$29.00} on XXXX.
Product: Mortgage

I had a VA mortgage through Wells Fargo where I feel it was mishandled. Would like to know if Im elgible for compensation being that I might have been harmed by illegal activity during the life of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian keeps reporting inaccurate information on my credit report and refusing to remove it. I disputed 2 items XXXX XXXX and explained to them I NEVER had a XXXX XXXX account and provided proof of my identify via mail. I am currently identified as 4 different names on my credit report and provided proof such as my marriage license and birth certificate that I should be recognized under 2 names only ( maiden name and married name ). So by them making the proper adjustments on my name, that will show proof I NEVER opened a XXXX account this year or any year for that matter. Not to mention, I've NEVER even had my own mobile account as I've always been under my husbands plan. Also, they are reporting XXXX XXXX which is a collections agency that was under litigation with me in court. XXXX removed this from my account, but Experian is still reporting this. They ( collection agency ) had taken me to court and I WON the judge ruled in my favor and I expressed this and it's still on my account. My husband and I are in the process of buying our first house and this inaccurate information is affecting my future.
Product: Credit reporting, credit repair services, or other personal consumer reports

TANSUNION AND XXXX IS CONTINING TO REPORT UNVERIFED INFORMANTION ON MY CONUSMER REPORT. TRANSUNION AND XXXX NEVER HAD MY PERMISSION TO PLACE XXXX XXXX XXXX ON MY CONSUMER REPORT. I SENT XXXX  A DISPUTE LETTER AND A CEASE AND DESIST LETTER. I HAVE NEVER DID ANY BUSINESS WITH XXXX AND HAS NEVER SIGNED ANY CONTRACTS. I NEVER GAVE XXXX PERMISSION TO HAVE MY PERSONAL INFORMATION... EVEN WHEN IN DISPUTE, XXXX NEVER REMOVED THE COLLECTION ..NEVER PROVED THAT THE DEBT WAS OWED TO XXXX. XXXX XXXX HAS NEVER DID BUSINESS WITH XXXX XXXX XXXX. NEVER SIGNED ANY AGREEMENT WITH XXXX BUT YET THEY HAVE VIOLATED MY PRIVACY BY HAVING MY INFORMATION..XXXX  AND TRANSUNION HAS ALSO VIOLATED MY CONSUMER RIGHTS UNDER THE FAIR DEBT COLLECTION PRACTICE ACT. XXXX AND TRANSUNION USED UNAUTHORIZE INFORMATION TO CAUSE XXXX XXXX SUBSTANTIAL HARM AND INCONVENIENCE BY REPORTING FALSE INFORAMTION ON MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment XXXX you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXXXXXX .... Balance : {$7200.00} ; XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$550.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$99.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern about the multiple unsuccessful attempts to remove fraudulent items from my credit file. This is the fourth time I am raising this issue, and it is disheartening that the problem persists, negatively impacting my financial well-being. I am seeking your immediate assistance in addressing and rectifying this matter. 

I discovered that my credit report issued by XXXX, Equifax and XXXX Credit Bureaus contained several fraudulent entries that are not connected to my financial activities. I have diligently followed the dispute process as instructed on previous occasions ( first, second, and third attempts ), providing evidence to support the fraudulent nature of these entries. Despite my best efforts, these fraudulent items continue to harm my creditworthiness. 

I kindly request that you take the following actions to address this issue : Conduct a thorough and comprehensive review of the fraudulent items, considering all the evidence provided in my previous dispute attempts. 

Remove the fraudulent items from my credit file immediately upon confirming their fraudulent nature. 

Investigate the origin of these fraudulent items and take necessary steps to prevent their reoccurrence on my credit report. 

Provide me with written confirmation once these fraudulent items have been removed from my credit file. 

Ensure that no further negative impacts occur on my credit report due to these fraudulent entries. 

I understand the importance of maintaining accurate credit reporting, and I trust that Credit Bureaus takes these matters seriously and will work diligently to rectify this situation promptly. 

Please consider this letter as a formal notice of my complaint. I expect a response within the exact timeframe from the date of this letter. It is essential that these fraudulent items are promptly removed from my credit file and that the issues are fully resolved during this time frame. Failure to do so may necessitate further action, such as seeking legal remedies or contacting the appropriate regulatory authorities. I am asking for your immediate assistance to remove the following fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Fraudulent Accounts on my credit reports for XXXX, Equifax, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status 30 days Late Past due amount {$0.00} Fraudulent Account : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargedoff Past due amount {$180.00} Fraudulent Account : XXXX XXXX XXXX IN ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account XXXX XXXX Date XXXX XX/XX/XXXX Open/closed Closed Status Charged off Past due amount {$530.00} Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Charge off Past due amount {$170.00} Fraudulent Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Hello, I applied for this loan and faced some financial difficulties because my student loans became due. This company helped me by deferring my payments. However, this caused my payments to balloon. I was not fully aware of what was occurring when my payments increased. Now they are sending me emails saying I have options to pay off my loan. However, when I call them they are telling me I have exhausted all of my options. Pay off also says the emails are automated. I work at a XXXX XXXX  and I know they should have some sort of filter to cease sending emails informing customers who have no options that they have options! I find this deceitful and extremely frustrating. Because i would like to work with them to become current. But they are not doing anything else to help. If they loan is charged off or I file bankruptcy they will get nothing.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.