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

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Accounts AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of EQUIFAX to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX XXXX ), EQUIFAX has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX. [ XXXX XXXX XXXX XXXX XXXXXXXX ] [ XX/XX/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 XXXXXX/XX/XXXX ] According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that EQUIFAX has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information. 
I also believe that the actions of EQUIFAX may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 
I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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: Debt collection

In XXXX I used my care credit card on XXXX XXXX for my dog. XXXX. I had XXXX XXXX and XXXX made it so I couldn't pay it. Last year my son passed in a car wreck I finally got clear enough to think contacted care credit who tells me the acct was written off. I check XXXX XXXX  and see this XXXX debt for this care credit debt that care credit has written off. They are showing it was incurred XXXX which is inaccurate. I dispute it and through the process of this I get a collection notice from another collection agency trying to collect this XXXX for XXXX. XXXX claims the debt is right I dispute again because I ow care credit not them, the dates aren't right and they have another collection agency trying to collect the debt for them while they are trying to collect on a debt care credit has written off. I can scan the original debt paperwork from XXXX XXXX XXXX  and the collection notice from the place XXXX hired. Just let me know if needed. I am on my phone or I would upload now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputes about incorrect information being reported on my credit report and nothing has been done. I mailed letters to the bureaus XX/XX/20 and XX/XX/20. I know they have a little extra time but I NEVER received my investigation results.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it's legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a late payment thats listed on my credit. I would like to draw your attention to pertinent consumer laws established to safeguard individuals like myself in credit transactions. Under 15 USC 1666 ( B ) and 15 USC 1637 ( a ) it is explicitly stated that reporting a payment as late on an open-ended credit plan is impermissible under any circumstances. Additionally, according to 15 USC 1681n ( B ), consent from the consumer is required before furnishing information on their behalf to date, I have not granted such authorization to XXXX credit. I was never 30 days late and Ive attached proof including bank statements.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, BY MY MISTAKE, I instructed XXXX XXXX to make an electronic payment ( {$3600.00} ) to a credit card account in my name at Chase Bank - that credit card account had been long ago closed at Chase Bank. No payment was due to Chase Bank ; I mistakenly sent the money to Chase Bank. 

I spoke to Chase Bank payment service agents on XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ), asking for a refund of the money I had sent from XXXX XXXX to Chase Bank. Both agents acknowledged Chase Bank had received my money from XXXX XXXX, acknowledged the credit card account was long ago closed, and said Chase Bank would investigate making a refund. I heard nothing back from Chase. 

On XX/XX/XXXX I sent personal email to CEO of the Chase Banks credit card business, seeking resolution. On XX/XX/XXXX I mailed a certified letter ( duplicate of the XX/XX/XXXX email ) to the CEO of the Chase Banks credit card business. 

On XX/XX/XXXX Chase Banks Executive Services agent ( XXXX ) called me to say : she had my XX/XX/XXXX email, she is my contact point for this issue, Chase Bank is investigating, and XXXX will keep me informed. 

On XX/XX/XXXX, XXXX of Chase Bank Executive Service called to say : she has found the transaction and Chase Bank is processing a refund to my account at XXXX XXXX ; the refund will be completed in 7-10 business days. 

On XX/XX/XXXX, I called XXXX of Chase Bank Exec Services and left this message : my account at XXXX XXXX has not received any refund ; please provide transaction tracking information I can provide to XXXX XXXX. XXXX of Chase Bank B did not call back. 

On XX/XX/XXXX, I again called XXXX of Chase Bank Executive Services seeking tracking information. I said would initiate a complaint with CFPB if Chase Bank did not call back. 

On XX/XX/XXXX I initiated this CPFB complaint, and provided a copy to the CEO of Chase Banks credit card business.
Product: Debt collection

XXXX SOLD DEBT TO ATTACHED, THIS ACCOUNT IS DISPUTED UNDER THE F.C.B.A. CEASE AND DESIST COLLECTION EFFORTS OR FACE LITIGATION FOR DECEPTIVE PRACTICES INFRACTIONS OR THE DODD FRANK ACT.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I have updated information about these unknown inaccurate accounts, and addresses on my credit reports. I have been reaching out to these companies since XX/XX/2023 requesting verification on these inaccurate unknown accounts, but these companies have ignored my request and continue to violate me as a consumer and violate the FCRA every month. These companies are not supposed to report on my behalf without my written consent and before they report they are to investigate to make sure that the information to be reported is 100 % accurate per the FCRA LAWS. The information uploaded is showing proof where these companies are all reporting different inaccurate unknown information and each month updating old accounts withe new information monthly that is damaging my credit every month which is illegal. I have been denied credit due this unfair treatment and I demand this information be deleted and updated immediately.
Product: Student loan

The school was a scam from the start could not get the help I needed to help me do better with my school work now the United States Department of Education has shut this University down, I am in the process of putting in paper work for a Discharge of these Student Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file.I am a victim of identity theft and did not make the charge.
Product: Mortgage

fay servicing. we were to get a harp loan for refinancing according to fay services. My son had a car accident in XX/XX/XXXX. I was a passenger and got XXXX XXXX which caused me to miss 4 months of work. we struggled and still made our mortgage payments but missed one for XXXX. that payment was made on the XXXX Wednesday of XXXX when my wife got her social security. I was trying to find a new job during this time. I managed to get work for the XXXX season. We missed the payment for XXXX and paid XXXX and XXXX payment on XX/XX/XXXX. I thought from everything I have read that harp loans have to be behind 90 full days before we go into default. I found a letter dated XX/XX/XXXX from fay servicing stating that we were in default on our loan and demanding immediate payment plus a XXXX dollar corporate fee. If Fay did n't get us the proper loan they did n't disclose this to us. From what I understand it is illegal for them to send those notices. They also would not even tell us who our actual mortgage holder was even though I requested this information several times. It seems something shady is going on. Also when we call in our account representative is either not in or not available. We have called every day this week trying to figure out what they are up to. No one will talk to us and XXXX XXXX our representative is not available. We want to know what they are up to. also when our loan was redone they told us we were going to get a check for the overage in the escrow account. That never happened either. Eventually they did sent it to the mortgage company and it was applied to our loan. why ca n't they just tell the truth? Any assistance you could be would be greatly appreciated. We feel they are hiding from us what they have actually done and what they continue to do.
Product: Credit card or prepaid card

I have an American Express credit card account that has been active for 7 years. During these I have never encountered a problem until now. In XXXX I received an email threatening to lower my limit unless I paid them over {$3000.00}. I thought the demand was outrageous. For starters I am going standing with my account, no missed nir late payments. So, I called to see what going on and the rep tells me that American Express done a review and that it may have been something on my credit report. I knew it wasnt anything going on with any of my creditors. I explained that to the rep and voiced my disappointment with their practices. 
After I decided to check my report and found that my debt ratio had increased because a creditor placed a duplicate account on the reports. However, ALL of my creditors are in great standing, nothing reporting negative ever. I called Amex back and explained the situation while voicing my concern of target good card holders regarding nothing that affected the accounts I hold with them. I got nowhere. Meanwhile, my account has been flagged to receive multiple texts ( I never signed up to ) and emails reminding me to pay them. Harrassment for no reason. 

I checked my credit report today XX/XX/2023 and American Express reducing my account has cause XXXX XXXX  point drops to my credit reports. American Express has damaged my credit for no reason. I could see if I did not pay or missed payment even payments, but I have not. They based their decision because of my credit report and because I was not paying them off? Who doees American Express think they are. This company has totally gotten this practice all wrong.This is agreed terms of a credit card this is not a charge plate. I pay at least what is required. 
American Express is horrible and harrassing good customers for money. I am not sure if the company is doing bad, but this kind of treatment is inexcusible. I am not one of those customers that does not pay to agreed terms of the account. American is has damaged my credit for nothing. I refuse to be muscled, harrassed or pressured into paying off the balance when they tell me to. When I decide I want to pay in full I will, but until then they will receive payment as agreed. They claimed to be prestigious, but they are trash. An excellent company would never, never do something that would damage their customers creditor without it being warranted. I have warned every family member and friend to beware of their unfair practices to loyal, paying customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, ACCOUNT NUMBER XXXX, BALANCE {$5500.00} XXXX XXXX ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX, ACCOUNT NUMBER XXXX, BALANCE {$1100.00} XXXX XXXX , ACCOUNT NUMBER XXXX, BALANCE {$22000.00} INQUIRIES XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. States I have 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 reporting or other personal consumer reports

I filed several disputes with XXXX and TransUnion to remove XXXX XXXX from my credit profile. I submitted court documentation to XXXX and TransUnion which was mailed certified mail and uploaded to XXXX and TransUnion. XXXX XXXX filed suit against me for a debt that is not mine in court and I filed a counter suit and XXXX XXXX decided to dismiss the case. I want XXXX XXXX remove from my credit file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account # XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Mortgage

On Thursday XX/XX/2019 I went to a branch of Chemical Bank to pay off the existing balance of my home mortgage. Instead of charging me the existing balance, they added a {$30.00} " registration fee '' that was no where described in their truth in lending disclosure or complete terms of the mortgage. This is clearly just an arbitrary fee Chemical Bank has added to the process of closing out a mortgage with no basis other than an opportunistic way to add profit to themselves.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXXXXXX 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 XXXXXX/XX/XXXX The following inquiries were not authorized and should not be reporting. 


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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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 reporting

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX DOB XXXX/XXXX/XXXX ESCALATE THIS TO YOUR LEAGLE DEPARTMENT IT HAS AN ORDER THAT MUST BE FOLLOWED TO REMOVE THE BANKRUTCY THIS HAS BEEN IGNORED I NOW HAVE THE COMPLET ORDER READ PAGE XXXX OF THE ORDER. 
DO NOT USE E- VERIFY OR XXXX XXXX YOU MUST READ ALL DOCS 1. Old address on page MUST BE REMOVED 2. OLD AND CLOSED ACCOUTS DO NOT HAVE HIGH BALANCE SEE SELECT PORFOLIO FOR HIGH BALANCE OF XXXX AND PAYMENTS OF XXXX MUST BE REMOVED MUST BE REOVED VIA COURT ORDER SEE PAGE XXXX FOR CHAPTER XXXX 3. XXXX XXXX BALANCE IS INCORRECT 4. XXXX BALANCE IS INCORRECT 5. SECOND XXXX BALANCE IS INCORRECT 6.XXXX INQUIRIES ACCOUNTING ERRORS MUST BE REMOVED CALL THEM TO VERIFY XXXX XXXX INQUIRIES MUST BE REMOVED DO NOT SAY VERIFIED XXXX XXXX XXXX INQUIRIES MUST BE REMOVED. 
XXXX XXXX INQUIRY MUST BE REMOVED TOWER INQUIRY MUS BE REMOVED REMOVE ALL FRAUD ALERTS AND REMOVE ID SECURTY ALERTS I DID NOT ASK YOU TO PLACE ON MY REPORT. 

YOU PEOPLE ARE GOING TO GET ME ARRESTED BY PUTTING THIS ON MY REPORT I AM XXXX!!!! THEY DO N'T ASK QUETIONS REMOVE ALL THIS!!!!!!!!! AND DO YOUR JOB NOT VERIFY EVERYTHING!!!!!!! 
I CAN NOT DO ANYTHING MORE THAN READ IT IN PERSON FOR YOU!!!! 

BANKRUTCY MUST BE DELETED VIA COURT ODER SEE PAGE XXXX OF ORDER I HAVE SENT YOU THE COMPLETE ODER AND I AM IN THE SETTELEMENT DOCKET # XXXX CASSE NUMBER XXXX YOU CAN CALL THE COURT AT XXXX TO VERIFY ORDER
Product: Vehicle loan or lease

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached documents as it contains my full complaint and demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Credit Karma member and I would be sent pre-approval cards, personal loans and car reduction loans and after I applied I would be denied everytime. This was done through XXXX - XXXX, and this only lowered my credit score each time I followed Credit Karma suggestions and pre-approval offers. I continue to apply for the pre-approval credit cards, personal loans, and car reduction loans and my credit score just continue to drop and I just say for get it because at one point I had not missed or had a late payment on anything and my credit went from XXXX to XXXX. I worked hard to get my credit score to XXXX, without using any advise from Credit Karma and when I started trying to to do all the pre-approval offers that's when everything went down hill and I have been mad every since. I didn't know that I could do anything about this until I read online about FTC filing lawsuit against Credit Karma and that consumer 's could file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report with Equifax online on XX/XX/XXXX, report # XXXX. I found incorrect information involving inquiries by an unknown co. ( XXXX XXXX ( this one affects my credit score ) and XXXX XXXX XXXX dated XX/XX/XXXX ) also incorrect town of residence ( it says it was reported in XX/XX/XXXXthat I lived in XXXX Pa XXXX ( I'v lived at my present address in XXXX, Pa since XXXX ) and an inquiry by XXXX XXXX XXXX XX/XX/XXXX . I'v never applied to XXXX XXXX for Ins. as far as I can remember. Equifax only lets you file a dispute if your accts. or creditor info is wrong. They do not give you an opportunity to correct the information that I listed above. Nineteen yrs at the same address is important I think for any possible creditors to see and my credit info does not show that. The inquiry from XXXX XXXX on XX/XX/XXXX was a hard inquiry which means it affects my credit score, and an inquiry by XXXX XXXX while not affecting my credit score, is at the bottom of a long list of insurance companies that I was trying to find a better rate with. I did not go to XXXX XXXX because my car was too old by that time to qualify for their new car replacement option. Equifax does not give the opportunity to remove or dispute any of this type of information.
Product: Credit reporting or other personal consumer reports

I had a collection added to my credit report unlawfully. I want this collection removed ; it is a clear violation of my rights. Account XXXX XXXX According to 15.U.S.C.1692C
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. Experian, XXXX and XXXX are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XX/XX/2018 balance {$6400.00}