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

I am writing to file a formal complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and the specific requirements of 15 U.S.C. 1681a ( 2 ) ( i ). I have attached my demand letter dated10-4-2023 as evidence of the issues I am experiencing.

In my demand letter, I requested the removal of specific information from my consumer credit report, as provided for under 15 U.S.C. 1681a ( 2 ) ( i ). This statute explicitly mandates the exclusion of information solely as to transactions or experiences between the consumer and the person making the report. The specific accounts and transactions that I requested for exclusion are detailed in the attached demand letter.

Despite my efforts to resolve this matter directly with Equifax, the requested action to exclude this information from my credit report has not been completed. I believe that Equifax is in violation of the FCRA and 15 U.S.C. 1681a ( 2 ) ( i ) by failing to comply with this statutory requirement. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions against Equifax for its non-compliance with federal consumer protection laws. I also request assistance in ensuring that the inaccurate information is promptly removed from my credit report. 

Enclosed with this complaint is my demand letter dated XXXX as evidence of my efforts to resolve this issue directly with Equifax. 

I appreciate your attention to this matter and your assistance in resolving this dispute. Please do not hesitate to contact me if you require any additional information or documentation. 

Thank you for your prompt consideration of this complaint.
Product: Debt collection

To Whom It May Concern, I bought a cruise ticket of XXXX XXXX XXXX XXXX XXXX XXXX ( promoted as XXXX cruise ) from XXXX XXXX XXXX ( XXXX ) for {$990.00} on XX/XX/2019, which was scheduled to sail to XXXX, XXXX, because I wanted to visit XXXX on cruise. But two days before departure, XX/XX/XXXX, they informed us that they are not going to XXXX but to some unknown private island instead. Then I contacted XXXX immediately and told the XXXX representative that what I wanted and booked is a cruise to XXXX not to some private island. I wanted to cancel my trip and get refund. But he did not allow me to cancel even though the cruise lines policy gave all the passengers of cruise going to XXXX the option to cancel and get full refund. I told them several times that I wanted to cancel the trip and get a refund. Then I called my credit card company, XXXX XXXX, and told them the story and they did a chargeback. I did not go to the cruise. About one month later, XXXX sent me a collection letter in the amount of {$1400.00} ( I have no idea how {$990.00} had become {$1400.00} ) in the name of Fidelity Information Corporation, which listed the same address of XXXX, basically stating that I do not know where this debt {$1400.00} comes from. If they report it to a credit bureau ( or have already done so ), please indicate that it is disputed. I sent this letter by certified mail but it was returned as Return to sender attempted not known unable to forward. Today I found out that they reported to credit bureaus, at least TransUnion. 
When I booked the trip I just give the representative my credit card number. He did not give me any their policy and we did not sign any contract or agreement. I did not provide my SSN. 
It is ridiculous. They were not able to provide the service I booked ( cruise to XXXX XXXX so I canceled the trip and did not go. The credit card issuer did a chargeback for me. How could XXXX try to collect {$1400.00}, {$450.00} more than {$990.00} ( I have no idea where this comes from ) and reported it to credit bureau ( s )? They did not even say where this {$1400.00} comes from and why I owe them this sum of money. Are they allowed to do that? Can they just make up a sum of money at their will and send you a collection letter and report to credit bureau without any evidence? It is legal? If not, should they be punished accordingly? 
Thank you. 

Best regards. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Final Notice - Dispute of Unauthorized Collection Account on My Credit Report Dear Sir/Madam, I am writing to follow up on my previous correspondence dated XX/XX/scrub>XXXX in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : **Creditor/Collection Agency Name : XXXX XXXXXXXX XXXX XXXXAccount Number : XXXX **Amount : $ XXXX **Date of Account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX and Transunion about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation.

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

US BKPT Court XXXX  XXXX... I have previously disputed U.S. Bankruptcy Court XXXX XXXX XXXX XX/XX/2016 with you and in response you verified the item as accurate stating that you have verified the information with the Court. I contacted the Court and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 115 U.S.C. 1681l ) and the information must be deleted immediately
Product: Debt collection

I am a victim of identity theft. On XX/XX/XXXX, I recently learn that my personal information was used to open up several accounts at Capital One Bank. The amounts were as follows ( 1st account worth {$1000.00} and 2nd account {$1600.00} both opened in XX/XX/XXXX, and 3rd account worth {$1200.00} opened in XX/XX/XXXX ). I got a notification from XXXX XXXX  Credit Monitoring service that there were three potentially negative derogatory information being report to the credit bureau. The company that was reporting the information was a collection agency named XXXX XXXX which the Capital One accounts was sold to. I contact the XXXX  monitoring service to discuss the fraudulent accounts that were being reported and I contacted XXXX XXXX as well. XXXX  agent and myself contact Capital One and we were told that due to the information involved because my social was used but the name, DOB, and address did not correspond with the account. This also is the case with XXXX XXXX and this collection agency went so far to send the dispute paperwork in the perpetrators name to my address and now this person name may be link to my resident. I did not open or authorized these accounts and therefore request these accounts be closed immediately and removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have had hard inquiries on my account that I do not recognize and never applied for. I reached out to all 3 credit agencies ( XXXX, Experian, XXXX ) and the assured me that they would take it off of my credit and they are still showing and affecting my credit and my life. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was going to open a new checking account with PNC bank, they found out my SSN is on use of somebody else,, different name completely
Product: Money transfer, virtual currency, or money service

I went through the process of adding an external bank account to my Citizens Bank online profile in order to be able to transfer funds. The first time I tried to authenticate the account, it did not work. The second time was successful and I received notification that the accounts had been successfully linked. On XXXX XXXX, XXXX, in good faith, I transferred {$3000.00} from my Citizens Bank account to my linked account at XXXXXXXX XXXX. Citizens Bank immediately ( the same day ) suspended my access to XXXX XXXX. Rather than returning the funds to my Citizens Bank account, they held them and did not return them until I wrote them a very irate complaint letter ( I do not have the date, as it was sent through their website ). The funds were returned to my account on XX/XX/2021. Over and above the atrocious customer service, this policy seems to me to be suspect. If Citizens Bank is, in this way, giving themselves unapproved access to customer funds for an unspecified amount of time, they are in a very good position to profit by using customer funds in a way that I can not imagine can possibly be legal. 

The week before this occurrence I had spent XXXX hours on the phone with Citizens Bank trying to resolve a transfer issue. In accordance with their policies, bank managers are not able assist with online issues and customers have no choice but to sit on hold for egregious amounts of time. 

Despite repeated attempts to elicit a response from XXXX XXXX at the Office of the Chairman at Citizens Bank, she has been ignoring my communications and my access to my linked bank account at XXXX XXXX is still blocked.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was reported a fradulent account I have attached proof of my identity, a copy of FTC Report Number : XXXX a letter asking that the account be blocked Please delete this account immediatly as it is fradulent. The credit reporting agency is now obligated to remove this account within 4 days
Product: Money transfer, virtual currency, or money service

I am buying a complaint against Cash app ( Block , Inc ) due to inadequate and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an address fraud on their platform, and 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 see seek appropriate redress of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with you - XXXX - I forgot to add my trans union credit report at the time. I would like to add it so that you can see what was on my credit at the time of a 35 point drop ( XX/XX/2020 ) I have since got a collection account that I paid off - but that happened on XX/XX/XXXX - which dropped my score again. 
My score dropping on XX/XX/2020 - There was absolutely NO reason. Trans union says they do not see why it dropped but will not give the points back.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX  & XXXX  have repeatedly refused to ( 1 ) correct my name. They have been provided with a notarized copy of my State ID and SS card. I have NEVER had a name change. My correct name is : XXXX XXXX 2. TransUnion, XXXX   AND XXXX  have refused to remove an erroneous collections account from AFNI. TransUnion, XXXX & XXXX  are in violation of FCRA Section 609 ( A ) ( 1 ) and Section 611 ( A ) ( 1 ). They have the account as " closed '' and it should be REMOVED completely. 

3. I have only ONE address that should be reflecting on my credit reports : XXXX XXXX XXXX XXXX, XXXX, Indiana Notarized letters have been sent to TransUnion, XXXX & XXXX  via Certified mail return receipt by the USPS. I am attaching the TransUnion letter that is the same letter sent to all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I had an account with One Main. Our agreement upon receiving my last payment, my account with be closed. It was also agreed upon paid in full, it would not affect my credit report/score, however it is. It is currently showing as a : Charge Off. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been with BANK OF AMERICA for a long time, and I have always appreciated the good value and service I have received from BANK OF AMERICA. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. I need this to be remove as it's affects my credit worthiness.
Product: Credit reporting or other personal consumer reports

I contacted the CEO of Nelnet someone called me stating the loans were with the department of education. I callled the department of education and they said the loans were discharged out of their system. Its Nelnet thats violating the FCRA
Product: Debt collection

The weekend of XXXX XXXX I participated in a weekend of classes at the XXXX XXXX XXXX ( XXXX ) in XXXX Illinois. I signed up for additional training at a total cost of {$15000.00} ( financed ) with a {$4000.00} deposit that was to be financed through a third party ( XXXX XXXX XXXX ) at the time I signed up I was not told the contract with this third party had a 3 day right of recessions I would have not signed a with such harsh terms for education. The Tuesday after I made the commitment, I had a family emergency and was unable to participate in the initial introduction call. I spoke with XXXX XXXX who was my POC contact with XXXX explaining that right now this will not be a good time due to my family and new unforeseen financial obligations. He advised that I should contact the third party ( XXXX ) for any recourse, upon contact the 3rd party on XX/XX/XXXX, XXXX I was given a case number # XXXX and told that someone would be in contact with me about what steps I could take to pay for the time I had been in the program although I had not completed any of the courses. 
The next communication I received from XXXX was a notification that my bill was due via text message. I immediately reached out to XXXX and was informed that my 3 days right of recession had passed and they do not offer any refunds. He put me in contact with XXXX XXXX who works as a liaison between XXXX and XXXX who informed that I did not have any recourse all he could do was downgrade my amount owed to {$12000.00} and if payment is not made, I will be locked out of the XXXX system after 30days delinquency and sent to collection This seems to me to be predatory in nature. To be forced to pay for services not rendered I don't think I should be obligated to pay this contact in totality. I did give a deposit but to force to pay {$15000.00} for service that will cause unjust financial hardship on my family does not seem to be fair to any consumer.
Product: Mortgage

My Mother,   XXXX   XXXX  , who was diagnosed with   XXXX   2 years prior to the origination of the FHA reverse mortgage. I struggled after finding out with the service, Financial Freedom. They have been horrible to deal with.
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Its been a year now since her death and Financial Freedom is still at foreclosing.
The house is in horrible condition. Financial Freedom arranged an appraisal that is per current sales. My mother 's house has not been repaired for 20 years now.
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I received notification from the servicer that they will not postpone the foreclosure. Financial Freedom even set the price on a short sale.
A short sale package was submitted to Financial Freedom over a month ago. How can they set the price on a home??????????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent to the credit bureaus copies of my identity theft report and local police report along with proof of address, my ID, social card and letter listing each fraudulent charge on my credit report, I sent this off certified mail. The credit bureaus have yet to respond regarding this matter and remove these items. The items are as listed as follows 1.XXXX XXXX XXXX account number XXXX open XX/XX/XXXX in the amount of {$480.00} 2. XXXX XXXX XXXX XXXX  account number XXXX open XX/XX/XXXX in the amount XXXX {$1800.00} 3. XXXX XXXX account # XXXX open XX/XX/XXXX amount {$170.00} 4. XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount {$1000.00} 5. XXXX XXXX account number XXXX open XXXX amount {$420.00} 6. XXXX XXXX XXXX XXXXXXXX account number XXXX open XX/XX/XXXX in the amount {$1400.00} 7. XXXX XXXX account number XXXX open XX/XX/XXXX ain the amount {$630.00} 8. 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX account number XXXX open XX/XX/XXXX amount XXXX.These Items need to be removed I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I am frustrated because I am being taken advantage of by this credit bureaus. I have filed a dispute of inaccurate information that is reporting and damaging my ability to get approved for new credit I need at time for living expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experienced Fraud/identity theft involved personal information that was stolen/compromised on the web which resulted in fraudulently applying for and obtaining 3 personal loans ttl $ XXXX, opening a bank account in my name ( fraud/identity theft ) and perpetrator used a phone number via XXXX XXXX that was obtained without my permission and/or knowledge to substantiate this fraud/identity theft.

Experian continues to report false phone numbers that I have never been associated with almost on a daily basis, even though my report has been locked and placed a fraud alert on XX/XX/XXXX. I have had to dispute these false phone numbers literally every day the past three days via online disputes with Experian and new phony phone numbers have shown up ( different ones ) that I'm not associated with nor ever have been the past few days, XX/XX/XXXX and XX/XX/XXXX My only phone number I have is my cell phone which is XXXX. I have had this number since XXXX.
Product: Debt collection

i sent a request pursuant to the fair credit reporting act demanding the said company prove they have the legal right to collect said debt even if debt exists. they ignored the request and let the statue of limitations expire. I then sent a final demand to remove the item and cease and desist. They intern sent a validation of debt in response. All documentation will be included. I followed up with then and their response was to hang up on me.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the delinquent accounts listed on my credit report. Upon reviewing a recent copy of my report, I was alarmed to find inaccurate and incomplete information being shared without my consent. This has caused undue stress and XXXX, and I demand immediate action to rectify the situation.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I ' have sent several disputes to this company asking them for validation of debt with a contract/signature that belongs to me. I've also informed them of the several inaccuracies on my credit reports with proof of the inaccuracies and they refuse to do anything about it. 
I also obtained their licensing information from their website and after doing some research I see that they are not licensed in Texas for debt collection. I plan to take legal action as they have refused to remove this inaccurate information from my credit reports. They only respond with " verified '' but i am not asking for verification, i'm asking what method they used to verify the accounts and validation that the debt is owed. 

If you look at the documents i've submitted there are several violations '' Violation # 1. The Date of Last Activity shows XX/XX/XXXX with Experian and XX/XX/XXXX with XXXX Violation # XXXX. Dispute Status : Experian shows " Account not Disputed '' but XXXX shows " Account Disputed '' Violation # XXXX. I found the document that shows the 15 states XXXX XXXX is licensed and registered and Texas is not one of the 15 states. Please see attached document. ( I will be seeking legal action for that as well )
Product: Credit reporting, credit repair services, or other personal consumer reports

) I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT ACCOUNTS ON MY CREDIT REPORT EVEN AFTER BEING NOTIFIED.
Product: Payday loan, title loan, or personal loan

payment of XXXX XXXX due to finance hardship late payment for XXXX & XXXX
Product: Mortgage

I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.