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

I am making a complaint about Equifax. I will also include XXXX in this complaint because I have the same problem with XXXX. The reason I am making this complaint is because I found out that XXXX XXXX is furnishing inaccurate information on my credit report. On XX/XX/2023 I sent them a letter about this matter to Equifax, and XXXX. Equifax, and Equifax did not read my letter and has not sent me a response. Also Equifax is denying my right to pull my credit report. This is due to a data breach that has not been fixed. I put in a complaint about this matter and still have not resolved this problem. Regarding the XXXX XXXX account I did not dispute whether or not this was my account or if it belonged to me. I disputed the fact that reporting as a charge off is inaccurate. According to the IRS charge offs are considered income. Income doesn't get furnished into my consumer report, according to XXXX. Reporting as a charge off is inaccurate at the very least they must report as paid for less, or they must delete this account XXXX. Equifax is in the following federal laws. 
15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681s ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
These are the responsibilities of a data furnisher.
Product: Credit reporting or other personal consumer reports

Fifth Third Bank Account XXXX with a reporting " voluntary surrender '' in the amount of {$38000.00} is reporting on my credit report. It is an inaccurate account and MUST be removed immediately. It violates 15USC 1681 a, i, j. Attached is a copy of the FTC report to prove the account as fraudulent.
Product: Credit card or prepaid card

I been a customer with this bank since 2006. I pay this credit card off three times. I have called them in the pass when they were called Wachovia & they adjusted my interest rate. Wells Fargo is saying that they do not adjust interest rates because they only for credit worthy when credit card was first issued. My credit card was issued by Wachovia & my credit score was over XXXX. I believe that Wells Fargo is being unfair charging me 16.2 % interest rate with out no way of reducing it.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

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

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 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 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, credit repair services, or other personal consumer reports

requested reporting company to remove fraudulent items from my credit report agency did not follow law and remove items
Product: Credit card or prepaid card

To Whom it May Concern, I have a citibank double cash card and had set up autopay to pay for my bills. However, I have just discovered that my account was n't paid off using autopay. For some reason the autopay was switched off. I had technical issues with their system before, but that is a major problem as I ca n't really trust their transaction system. Plus, they charged me {$65.00} for an interest fee that should have never been accumulated in the first place.
Product: Checking or savings account

Paypal recently placed on freeze on my account. They asked for additional information twice but still refuses to unfreeze the account. I've decided not to use their service but now they wont allow the account to be closed. There asking for so much information that i believe will compromise my identity which has already been stolen multiple times. The account has a zero balance. I've tried to close the account on XX/XX/2022.
Product: Credit card

Every time I tried to use my card it kept getting declined. I would contact customer service and told it's unlocked but when I try to use it again I was again declined. I never received a phone call, text, or email to at least verify the purchase I wanted to make. I had more than enough available credit for the purchases and it very embarrassing to be stuck in a store with a card constantly getting declined for no reason. I finally felt forced into cancelling this account since I was not able to use it and was told it may happen again.
Product: Credit reporting or other personal consumer reports

I have been involved in Several Data Breaches XXXX XXXX XXXX and several other and have found a lot of inaccurate information far as old addresses and reporting on all 3 credit bureaus. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been in contact with Transunion over the last several months regarding identity theft. I notified them about my case and they have deleted some of the fraud accounts but others still remain. Most recently I sent them a copy of the police report I filed as well as a copy of my credentials proving my identity, and a copy of the 605B law stating they must remove the accounts. Transunion failed to remove 3 accounts and then then sent me a letter on XX/XX/XXXX stating they want to start an investigation instead of removing the accounts. XXXX  and XXXX has already removed the accounts in question after they determined they are due to fraud. This morning ( XX/XX/2019 ) I called Transunion and the agent couldnt find any documents in their system that I sent to them. They are extremely unorganized and this is very unfair as my life is at stake here. I am displeased at the poor job they are doing to protect consumers.
Product: Checking or savings account

I am simply trying to connect by checking account and debit card at PNC Bank with my account with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a dispute letter over a month ago. The credit bureau has not responded nor corrected my problem. They are responding inaccurate personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I needed these items removed or corrected per my request below. Each item lists the exact reason, and this information is taken directly from my credit report. These are irrefutable facts! XX/XX/XXXX didn't do anything after their investigation. My request has been looked over and I feel like I've been treated unfairly cause as a consumer I have rights and laws I have been broken XX/XX/XXXXXXXX XXXX XXXX # XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXX XX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME XX/XX/XXXXXX/XX/XXXX# XXXX THIS ACCOUNT DOES NOT BELONG TO ME
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX JPMCB CARD Attn : Credit Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Dear XXXXir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

These items have been deleted by XXXX and XXXX but Transunion continues to report this. These loans report multiple times on Transunion and this company has already been sued and is in a big settlement for the deceptive practices that were used to get people in these type of loans who could not afford them. Also I know my rights have been violated because of reinsertion. I know, The credit bureau must provide the consumer with a letter notifying them that the information will be reinserted. I have not received this. I have sent mail and disputed these fraud accounts and they are still on my credit report please remove I am a victim.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To who it may concern, I XXXX XXXX have a title loan for {$2500.00} with XXXX XXXX I already paid {$1100.00} now need pay {$1300.00} that is remaining owed for my loan plus {$620.00} Which I am will to pay for the principal and interest. Now apparently I owe around {$4000.00} on just daily interest fees. I am suffering financially due to the Covid-19 pandemic and XXXX XXXX has exploited the vulnerability of my already in financial difficulties and is using predatory practices to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Name Is XXXX XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in XX/XX/XXXX XXXX I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding XXXX  bills that I possess, and I am seeking the name and XXXXXXXX provider to which I owe the debt and a detailed breakdown of the fees that I owe. The COLLECTIONS NAMES ARE XXXX XXXX THE FIRST AMOUNT OF XXXX $ THE OTHER AMOUNT IS XXXX $ Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information You have 30 days to respond this letter with all this proof I requested or delete this collection from my report
Product: Credit reporting or other personal consumer reports

False and/or inaccurate trade lines on credit reports
Product: Vehicle loan or lease

I originally filed a complaint regarding fraudulent practices conducted by USAA Federal Savings Bank. I received nothing more than a generic response from them. Now I have to file a small claims suit against them. I will obviously receive judgment in favor because attorney 's are prohibited from small claims court and I highly doubt the CEO will show up. Even if the CEO did show, I'd still receive judgment without much effort. Consumer beware.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB # XXXX Additional Information Account is Paid Daste of Payment XXXX Account in equifax and XXXX has never been updated correctly. 

See attached : 1. original lease paperwork. 
2. XXXX XXXX Paid Total Loss Accident which occured on XXXX. 
3. XXXX never updated account in credit bureaus and refuses to correct their WRONG information. 
4. Please have XXXX Companies who have changed their names several times since 2019 recognize this account is paid infull 5. Restore PAID Closed Current XXXX Balance Owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$94.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$120.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$220.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$84.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX A ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00}
Product: Mortgage

I have supplied the Pacific Union Financial LLC for the loan Number # XXXX All the requested documents as per their Research Department Asked for over numerous calls faxes and letters. The documentation from Police department and the Bank which I was victim of Identity Fraud and Theft. Proof was sent by certified mail, fax and email. 
The Loan company first did not acknowledge that they received my documentations and numerous phone calls. Later they simply do not respond to their own inquiry regarding the proof and supply of the documentation to properly investigate. I have even provided them with the contact information of XXXX County Police Department Lieutenant investigating the fraud occurred on my behalf at the bank which was funding my mortgage payments. I even provided in writing the all required contact information of the bank manager. An official letter from the bank that all my asset were frozen due to the ongoing fraud investigation at the branch. They responded with XXXX letters confirming that they will contact all credit agencies that they reported the wrong information. XXXX of the credit agencies have been reported with the removal of the wrong information. They still have not contacted XXXX since the letter was dated XX/XX/XXXX. I have contacted both the bank and XXXX and no further outcome is being investigated. I have both letters from Pacific Union Financial and proof of multiple certified mails.
Product: Checking or savings account

On XX/XX/2018, I went to the Ally Bank web page and completed a Savings account application. It was said that I would receive an email to confirm my application was at least received, after all if one puts information like social security number and address as well as relatives names one should be assured. XXXX XXXX XXXX - Director eCommerce Care Contact would probably be surprised by this service example, I have 3 college degrees including a XXXX XXXX of XXXX, and have studied business and statistical analysis. Did the webmaster try to disprove or not let mine through to be processed. I am a minority and have served my country. I had to call the next morning XX/XX/2018, at about XXXX pacific time, were I was put on hold twice, because the person who answered said she at first had now knowledge of my application, even after getting my personal information I had to submit. By the way I am published so writing you and anyone else when inspired to for my well being, when prompted is no big deal. Finally, the person said they had to contact their said back office and said she found my Ally Savings application, over the phone said number XXXX. I asked for an email, since I had confirmed it and other information. The phone representative said it would not be available until after 48 hours, still no written assurance of the process proceeding so far. I have been recognized as a City of XXXX XXXX Commissioner where I had the local police investigated for destroying homeless minorities ID ans Social Security card. The DOJ was alerted since they were veterans, I received a report from internal affairs about this. I say this encase retaliation maybe part of this as a connection. I was seen as a here for bring the problem to attention. A city counsel member recommended my for two city commissions. The bottom line is this everyone got an email or notification it seems regularly for applying for an account. I should be treated the same for a chance to pursue happiness. I await my chance also. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a collection that went to an attorney on XX/XX/2021. Original debt was XXXX  XXXX, then midland funding LLC. After several disputes with credit report, midland funding is still reporting it as unpaid. I've spoke to midland funding XX/XX/2021 and they know it's been paid. Still they're not reprint it as paid.