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

CFPB Complaint Statement : I am filing this complaint against Equifax for repeated violations of the Fair Credit Reporting Act ( FCRA ) in their handling of my credit report. Despite being a documented victim of the Equifax data breach, Equifax continues to inaccurately report the following accounts on my credit report : XXXX XXXX XXXX XXXX : This account is being reported as a charge-off repeatedly every month, falsely manipulating the payment history and extending its negative impact on my credit. This practice violates FCRA Section 605 ( c ) and Section 623, which require accurate reporting and prohibit altering the date of first delinquency ( DOFD ). 

XXXX XXXX : This account is being inaccurately reported with a XXXX balance but is listed as a charge-off/collection without proper payment history, creating a misleading and incomplete record. This also violates FCRA Section 623, as it fails to meet accuracy standards.

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1500.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$0.00} Furthermore, Equifax has failed to investigate and correct these inaccuracies despite multiple disputes, violating FCRA Section 605B, which grants identity theft victims the right to have fraudulent accounts blocked or deleted within four business days. Equifax 's negligence in addressing these issues constitutes a direct violation of my rights under federal law.

I am requesting that the CFPB hold Equifax accountable for these violations, ensure these accounts are removed from my credit report, and take necessary enforcement actions to prevent further harm caused by their non-compliance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is a formal request that you rectify the unlawful " late '' reports on my Consumer Report and update them to " paid as agreed. '' I have recently obtained a copy of my consumer report and I am aware that you have provided inaccurate transactions that are prohibited by the Federal Credit Reporting Act 15 U.S.C 1681a ( 2 ) ( a1 ). Please take immediate action to correct this.

[ 2 ] Exclusions. Except as provided in paragraph ( 3 ), the, consumer report does not include reports containing information solely as to transactions or expenses between the consumer and the person making the report illegal.

Therefore, a consumer 's transactions between Consumer and Person are indeed EXCLUDED from the consumer report. FICO and/or any other risk score/ algorithm that you use to calculate a consumers credit score is NOT a factor when the consumers report is concerned.

I did not initiate permission for these inaccurate, Late Payments '' to be added to my consumer report. Therefore, the reporting of transactions between me and this institution is a violation of 15 USC 1681a. Please work diligently to address and rectify any inaccuracies on my consumer report. 

You have furnished excluded transaction information on the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX The inaccurate furnishing of data has had a significant detrimental impact on my reputation, resulting in multiple credit denials. This substantial harm to my character can not be overlooked. 

I hereby request the immediate rectification of all unlawfully provided late payment reports on my consumer report. Kindly update these accounts to reflect a status of " paid as agreed '' without delay. Please note that I am not seeking account verification, but rather a prompt update. 

As per FCRA 15 U.S.C Code 1681s2 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. 

After updating my Consumer Report please provide me with an updated report reflecting the changes. I am not requesting for Validation or Verification. This is a notice. 

Thank you for your time,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act my rights have been violated 15 u.s.c 1681section 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 with out my written instructions XXXX for {$1700.00} XXXX XXXX XXXX {$980.00} XXXX XXXX  {$800.00} XXXX  {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Debt collection

it was an account opened at this address i do not know this debt it was opened in XXXX. XXXX IN THE AMOUNT OF {$250.00} I have got several police reports reporting that someone is using my name, or someone has the same name as me, but they are attached to my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I began the dispute process with the credit agencies XX/XX/XXXX experian, and XXXX for accounts I had paid in settlement. I uploaded the documents into the dispute process along with a statement explaining the accounts were settled. The credit agencies refused to conduct an investigation and placed on my report with 24 to 48 hours that they conducted investigations, and my information remained the same with the exception that they credit agencies added/updated additional wrongful information which caused my credit scored to drop at least XXXX to XXXX additional points. I file another dispute and provide documentation with each agency and within 24 to 48 hours the investigations were completed again with more wrongful information added which lowered my scores even more. I called each credit agency and spoke with XXXX ( XXXX, XXXX, ID : XXXX ), and I was informed that it doesn't matter what information the consumers submit, they were not going to update the consumers credit report. I asked her what the purposes was for uploading information into the dispute process if you are not using it to update my credit file. She attempted to clean up her answer. I made multiple attempts to call experian and they have made it where you can't speak to a specialist. Everything is computer operated and it advise you that you can't speak to a specialist. Also, at the bottom of the report it gives you your case number, but you can't use it when you attempt to speak to a representative about your dispute process. All three credit reporting agencies has retaliated against me for inquiring about the update on my credit. Every day I get alerts where they have gone in and added information to my credit report where it continues to lower my scores despite the documentation I provided to them. I also reached out the XX/XX/XXXX and they all informed me that they did not provide any information to the credit agencies because my accounts were in consolidation. Although my accounts were settled in full, the credit agencies were in and listed them as collection accounts and charged off accounts.
Product: Checking or savings account

I bank with XXXX XXXX XXXX. I 'm on Social Security XXXX, and have been getting more and more Overdraft fees. In the past 3 months I 've been charged over 500 in fees. XXXX is my only source of income. And these fees have been causing undue hardship and harm to myself and my family. This month, due to the rolling overdraft fees, within a week of my social security check being deposited, my account was already in the negatives. I attempted to work this issue with the bank, they removed ONE overdraft fee. My bills generally do n't change monthly, but due to the {$36.00} fee for each overdraft, they have been taking more and more of the money I need to survive. I need some help getting this issue resolved.
Product: Payday loan, title loan, or personal loan

I made a payment via check to PayPal Credit on XX/XX/2022 for {$1900.00}. PayPal Credit is funded by Synchrony bank. Synchrony Bank has received the payment and it has cleared my bank. My official account statement dated XX/XX/2022 ( attached ) reflects this payment. My official account statement ( attached ) reflects my available credit in the account summary. However, when I check my credit limit is does not reflect my payment. When I called Synchrony Bank 's PayPal credit division and spoke with three separate customer service representatives I was told my payment would not be reflected for 21 days from the date of its payment ; then I was told it would clear on XX/XX/XXXX ; then I was told it would clear on XX/XX/XXXX, and finally I was told by the last representative that it would clear on XX/XX/XXXX. I asked to speak to a supervisor and was told that she could not explain why three representatives each gave me different clearance dates. I also asked why my official statement, dated XX/XX/2022 would reflect an available credit limit that was NOT accurate and was in fact misleading. It is my opinion that this practice constitutes illegal usury on the part of Sychrony Bank, or at the very least is inaccurate and misleading. Checking with the XXXX  file on Synchrony Bank, there exist over XXXX complaints in the past three years alleging illegal practices engaged in by Sychrony Bank, including the behavior I have outlined in this complaint.
Product: Debt collection

Company : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Last 4 of Account XXXX Original Creditor : Citibank Amount : {$1500.00} XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX I have communicated on numerous occasions via USPS and email indicating " Cease and Desist '' all debt collection and payments. Debtor qualified for " Hardship. '' Due to being on XXXX limited income. 

Agency continues to threaten taken payments after communicating to stop payment and forwarding 1099. Have spoken to them verbally as late as of XX/XX/2025
Product: Credit card

Due to identity theft, I chose debt consolidation over bankruptcy. Capital One account identified on credit reports as XXXX was XXXX of the accounts I have been attempting to resolve via XXXX XXXX XXXX XXXX for more than 22 months. To date XXXX XXXX has satisfactorily closed/resolved every account that accepted out attempts at resolution. Capital One has refused all our attempts to resolve this issue. While we are still negotiating in good faith, they have reported my account as bad debt, placed for collection, and skip, adversely affecting my credit rating.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
Bankruptcy XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/2016 Reference # : XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX XXXXXXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2100.00} XXXX  XXXX XXXX XXXX : {$800.00} XXXX  XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX Balance : {$910.00} XXXX  XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX : {$160.00} XXXX  XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I have never applied for XXXX credit card. So XXXX Inquiry on XX/XX/2020 is not resulting from my personal action.
Product: Credit reporting or other personal consumer reports

Thank you for removing some incorrect items from my file due to alleged fraudulent activity. However, several items still need to be addressed. I am a victim of inaccurate credit reporting and dispute the following items, which do not relate to any transactions I have made or authorized. Please remove these erroneous items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$5500.00} XX/XX/XXXX XXXX Balance Owed : {$5500.00} XX/XX/XXXXXXXX Balance Owed : {$10000.00} -- XXXX -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX XXXX XXXX Owed : {$5700.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} - Previously Late/Closed XX/XX/XXXXXXXX Balance Owed : {$10000.00} - Previously Late/Closed XX/XX/XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXX/XX/XXXXTransUnion XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed XXXX {$5500.00} XX/XX/XXXX XXXX XXXX XXXX : {$10000.00}XX/XX/XXXXXX/XX/XXXX. These items are unknown to me. Additionally, some items have been deleted from other bureaus, raising doubts about their accuracy and the reported payment history.
Product: Credit card

An agent, XXXX XXXX misrepresented himself as someone authorized to make a change to an existing cruise booking. I called to add another stateroom on a cruise ship. This person told me if I wanted to add the room, I would have to pay {$1100.00}. I was willing to spend the money on the additional room. I also knew that XXXX XXXX XXXX allowed refunds up until XX/XX/XXXX but I knew I wanted the room. After seeing my credit card statement, I realized that this man was not an agent of XXXX XXXX Lines. He was representing another company called XXXX. Then I called XXXX XXXX Lines. The money that I thought was supposed to go to XXXX XXXX XXXX for the room in fact went straight to XXXX XXXX. I did not receive the stateroom I was promised. I did not get what I paid for. XXXX XXXX was selling me something that didn't belong to him which was the stateroom on XXXX XXXX Lines. I paid XXXX XXXX XXXX in full and I won't rest until I get restitution from Flight Assist. This was not a valid charge as it was a scam. I paid XXXX XXXX Lines {$5800.00} and I want my {$1100.00} back. I am recommending that Chase Cards does not carry this company as they have had multiple complaints and are not XXXX  accredited. Chase card services is not protecting me as a consumer on this issue. In no way was this a valid transaction as I did not get what I paid for.
Product: Bank account or service

Account minimums were raised without my knowledge that triggered fees. The account is split between cash and investments, and the cash portion became too low and this triggered monthly fees. Because I do n't check the account often ( it is a dormant HSA ), I did not see the fees until 1.5y later. Customer service waived 3m of fees after I brought this to their attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

The company appeared on my credit report for a debt owing {$380.00}. I called to request proof of debt and had no resolution. It's a debt from XXXX XXXX which I have no acknowledgement with. With the numerous attempts I have no other resolution
Product: Credit reporting

XXXX is listed on my Equifax report as charging off then going positive, and then charging off again, and then once again going positive. This is inacurate information reflected in my payment history that continues to keep my credit rating from improving. There are several accounts that are inacurate with my Equifax file that i have tried and tried to get resolve i have uploaded documentation that supports my claim.
Product: Credit reporting 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX5 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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

In accordance with the fair credit reporting act the following creditors has violated my rights : XXXX Account number : XXXX Creditor : XXXX Account number : XXXX Creditor : XXXX  Account number : XXXX Creditor : XXXX Account number : XXXX 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604! Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Checking or savings account

Found business banking, I was contacted by text stating that there was a unusual charge asking if i authorized it, i replied no. then i got a call from my banking institution, or so I thought, It was their phone number and the person had already had access to all my transaction history even a recent one that was 15mins prior, so I had no reason not to think it wasnt my bank, then i was put on hold and call dropped, i then called back and was told that it was a scam, and froze my account and filed a dispute, but now that RIsk team refuses to do anything about it to help me and says it was my fault?! it is their responsibility to keep our accounts safe!!
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Request for XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax Dispute Department , I am formally disputing the reporting of the following accounts on my Equifax credit report : XXXXXXXX XXXXXXXX XXXX XXXXXXXX  Under my rights as a consumer, I am requesting the permanent deletion of these accounts from my credit report due to violations of federal laws governing the accuracy and legality of credit reporting.

Legal Violations Supporting My Dispute 1. 31 U.S.C. 5118 This statute restricts obligations requiring payment in a particular form of currency, invalidating the imposition of debts in any specific medium that is not legal tender. As such, any alleged debt associated with these accounts must be verified in accordance with lawful money standards.

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must not report information that they know or have reasonable cause to believe is inaccurate. The reporting of these accounts contains unverifiable and inaccurate information, making them invalid.

3. 15 U.S.C. 1681e ( b ) Equifax, as a credit reporting agency, is required to maintain the maximum possible accuracy of consumer credit reports. The continued reporting of these accounts, despite their questionable validity under federal law, is a direct violation.

4. 15 U.S.C. 1681i ( a ) ( 1 ) I am requesting a reinvestigation of these accounts. If they can not be verified with documented proof of a lawful transaction, they must be permanently removed. 

Requested Resolution The immediate and permanent deletion of the XXXX XXXX and XXXXXXXX XXXX  accounts from my Equifax credit report. 

A written confirmation of deletion within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ).

If Equifax intends to continue reporting these accounts, I demand full documentation validating the legal existence of these debts in compliance with federal law. 

Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel to enforce my rights under consumer protection laws. 

I expect your prompt attention to this matter and look forward to your response within the legally required timeframe. 

Sincerely, XXXX XXXX
Product: Mortgage

Hello, Right after my XX/XX/2022 payment of {$2100.00} was debited from my XXXX XXXX Bank account, I immediately logged onto my Cross Country mortgage on XX/XX/2022 to pay an additional {$500.00} to be added to the XX/XX/2022 payment ( so, an additional {$500.00} principal curtailment ). However, instead, {$2100.00} was withdrawn, and applied to my XX/XX/2022 payment ( advancing my next payment ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and Ive found a few errors, invalid and inaccurate accounts reporting on credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sa-Vit filed multiple collections for the same account with credit reporting agencies. The issue revolves around one account with a Doctor. Related to a coding error on the Dr Office 's side. Sa-Vit contacted me only once regarding the account to which I responded. The Dr 's office was looking into it to correct. In violation of Federal law Sa-Vit filed numerous collections notices with the reporting agencies. 

Sa-Vit proposed a solution, which I accepted. 50 % pmt of the alleged amount due and they would remove the collections from allcredit agency reporting. They subsequentlyrescinded that offer. 

Sa-Vit is engaged in an unfair practice bullying and extorting collection by means of credit agency reporting. 

My credit has been severely damaged as a direct result of their unfair and illegal actions.