23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my consumer report and under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) Equifax is in violation of not reporting 100 % accurate and not reporting at all. 

On XX/XX/2022 I sent in a dispute letter to Equifax asking them to verify a bankruptcy they are reporting on my credit report, I never recieved a response. 

I also disputed the same bankruptcy with XXXX and XXXX. 
XXXX deleted the bankruptcy, meaning they couldnt verify it. 
I'm still battling with XXXX on this matter. 

On XX/XX/2022 I sent in another dispute letter to Equifax making them aware that if they don't respond or comply with my dispute letter I would file complaint with the CFPB, the XXXX  and the Attorney General 's office and sue for damages. 

I still haven't recieved a response. Instead they deleted my whole credit report and score. They haven't been reporting for the past 4-5 months. ( see attachment ) I have been reaching out to them to try to fix this matter ( dispute letter attached ), but unfortunately they won't respond. 

I need your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON AND I AM A VICTIM OF IDENTITY THEFT, FAIR COLLECTION & OUTSOURCING HAS OBTAINED MY INFORMATION ILLEGALLY AND HAS BEEN COMMITTING FRAUD USING MY PERSONAL NON PUBLIC INFORMATION. I AM AWARE AND HAVE PROOF THAT THIS COMPANY ILLEGALLY OBTAINED MY INFORMATION FROM XXXX XXXX XXXX HAVE SENT THIS COMPANY SEVERAL CORRESPONDENCEDEMANDING THAT THEY EITHER VALIDATE THIS ALLEGED DEBT OR CEASE & DESIST WITH ALL COLLECTION ACTIVITIES.
Product: Credit reporting or other personal consumer reports

My credit report shows incorrect addresses ; Im concerned. The credit agencies are reporting addresses and employers NOT connected to me. 

I have one address and need to have the past addresses removed. ( It could be fraud )
Product: Credit reporting, credit repair services, or other personal consumer reports

im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. XXXX will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. XXXX is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including Transunion and XXXX in this, these need to be removed as well from my credit file thanks for your help
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 1681section 602 A. Section 604 A section 2 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent again a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX  XXXX Balance : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Product: Vehicle loan or lease

I have filed a complaint on XXXX where XXXX XXXX responded to the complaint and made several false statements. I have made previous complaints and XXXX XXXX always seems to respond to the complaint, odd. The company responded that it needed additional time for research but responded shortly after. XXXX XXXX refuses to address several of my claims in the complaint and gives several false statements during his response, more specifically ; XXXX XXXX states that the billing was compressed this is simply not true the last statement on the account was XXXX XXXX the same month the account was charged off I have proof of this. The company is in direct violation of the truth and lending act. The company continued to charge interest on a charged off loan without producing monthly statements. XXXX XXXX did state that every time I file a complaint that it would go directly to him. I do n't deserve to be harassed by XXXX XXXX. The company contacted me in XXXX with a cease and do not call on the account and a verbal request during the initial call not to call back. XXXX XXXX only addressed the XXXX XXXX call but not the Call in XXXX XXXX where I was told about their predatory lending practices by an employee. Also, the employee told me that I would be eligible for a payment plan or assistance at the 90 day mark and XXXX XXXX has promised XXXX in the past where he has lied to the CFPB because I was never given XXXX. My online account states that they have programs for me but nothing has been given or offered because of the companies false statements I have suffered financially. I have started the small claims process against the defendant and will name XXXX XXXX as a second defendant. I am a pro XXXX plaintiff. The company has charged interest on my XXXX extensions without getting my written consent or disclosing interest amounts to me. It seems as if XXXX XXXX has a personal vendetta against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, To whom it may concern ; i am challenging the incorrect information provided on my credit report and request immediate deletion. Equifax violated the law by reporting a monthly payment on a closed account, reporting incorrect past due amount on a closed account ( there should be no past due amount on a closed account ), and reporting a past due amount on a collection account. I want these accounts deleted from my credit report immediately. 


On the week of XX/XX/2020 i signed up for online monitoring and noticed Equifax is reporting incorrect information on my behalf. I reached out to Equifax for the first time via USPS certified mail with tracking number XXXX. 
Equifax responded with a letter informing me they needed an additional 15 business days to investigate. Keep in mind Equifax is reporting an incorrect name and is using my full legal name as an alias. There are accounts that have different names, social security numbers, and incorrect addresses that Equifax " verified ''. I know that there has been no investigation conducted because i have been getting letters with different names and incorrect accounts. Equifax mailed me a letter with the incorrect name and notified me these accounts have been " verified '' and the investigation is closed. 
I mailed a copy of my drivers license, passport, social security card, and car lease statements with my correct mailing address and name. 

Who is verifying this information? Did Equifax follow FCRA law and conduct an outside investigation? No. I asked for documents that i am legally entitled to for verification and Equifax could not even find a single document linking me to these accounts. I reached out another time on XX/XX/2020 with USPS tracking number XXXX. 


I asked Equifax to update the information and remove all other incorrect names. 
In addition Equifax is reporting incorrect credit limits, incorrect comments, and monthly payments on closed accounts. Is this against the law? Yes and Equifax needs to be fined {$1000.00} for each account they are reporting incorrectly on my behalf. 
I ask Equifax to delete all the incorrect information off my credit report and correct my personal information. I do not want a response unless it's parallel with the FCRA. You can not " update '' a fraudulent account because it is not 100 % correct and therefore according to FCRA Equifax is not allowed to report this account and must delete it. Is this information is not deleted from my credit profile i will pursue a lawsuit against Equifax by using the documentation i have against Equifax. 

I have begun attached a copy of my communication complaint to the attorney general of Texas about Equifax.
Product: Credit card or prepaid card

After a long ordeal of refiancing my home, my husband and I was able to pay off all of our consumer debit, including Comenity/ XXXX XXXX XXXX XXXX  Mastercard Credit Card XXXX or so I thought. The statement due XX/XX/2022 said that the balance, in full, was {$11000.00}. We were not due to close on our re-fi until XX/XX/2022, so I made a payment {$370.00} on XX/XX/2022, so that I could reduce my balance, avoid late fees, and keep my credit score good, so as not to affect our closing. The next statement, due XX/XX/2022, stated that the balance was {$11000.00}. Due to our lender obtaining amounts prior to me making a payment, they used the XXXX balance to write the pay-off check, in the amount of {$11000.00}. This was {$120.00}, over what the XXXX statement said was due. 

After closing, the pay-off check was received by us on XX/XX/2022 and immediately mailed to Comenity. Comenity received the check and posted it on XX/XX/2022. This was 9 days BEFORE the due date, so the payment was not late. It was my expectation, based on their own writing, in the bottom section of my statement, under the heading " Paying Interest. ", which states, " Your due date is at least 25 days after the close of each billing cycle. WE WILL NOT CHARGE YOU INTEREST ON PURCHASES IF YOU PAY YOUR BALANCE BY THE DUE DATE EACH MONTH ... '' that my balance would be paid in full and that I would have a {$120.00} credit on my account. As such I made two small purchases in the amounts of {$15.00} and {$20.00}, which still should have left a credit of {$92.00}. However, the next statement due XX/XX/2022, didn't show a credit, but said that I owed {$120.00}. They claimed it was " residual interest ''. When I challenged them, based on their own writing, they couldn't refute that the statement clearly says that they wouldn't charge interest. Instead they tried to gaslight me by saying that I should have paid it by the due date. When I pointed out that it was not only paid by the due date, but paid almost 10 days in advance, with an overpayment of the actual balance, they refused to refund my account. I sent messages through the online messaging and spoke with three different people, all the way up to the accounting department. They just kept rehearsing the same script about " residual intererst '' and refused to make the correction. I, even, requested a detailed accounting of the formula they use to compute interest and was told that it would be mailed to me, but of course, it never was. 

Furthermore, after reviewing my account and awards, I realize that their math has been fuzing in how they calculate my cashback awards, and that my awards balance should have been higher.
Product: Prepaid card

I used my cash app at XXXX on XXXX XXXX. The transaction was declined but funds still came out of balance. No goods were received. I contacted cash out on XXXX XXXX after trying to resolve the issue with XXXX. Cash app denied the claim. I then tried resolving the issue again with XXXX who advised me to dispute the charge. I disputed the transaction again on XXXX XXXX. Since there has been no response from cash app. When I reach out to customer service Im being told they cant provide any info on the dispute. It has been will over 10 business day and still no response from cash app or a temporary credit hadnt been received. This is a huge inconvenience to me and theres been no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY CHECK MY CREDIR REPORT AND NOTICED THESE FRADULENT ACCTS. 

XXXX  XXXX XXXX/ ACCT : XXXX****/ ACCT OPENED XX/XX/XXXX {$300.00} XXXX   XXXX/XXXX XXXX XXXX / ACCT OPENED XX/XX/XXXX {$85.00} XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ACCT OPENED XX/XX/XXXX {$640.00} XXXX XXXX XXXX/ XXXX XXXX / ACCT OPENED XX/XX/XXXX {$830.00} XXXX XXXX XXXX/ XXXX XXXX/ ACCT XX/XX/XXXX {$570.00} XXXX XXXX XXXX HOSP /ACCT OPENED XX/XX/XXXX XXXX {$150.00} INQUIRIES : XXXX XXXX XXXX / XXXX XXXX/ XXXX XXXX   XXXX/ XXXX XXXX  XXXX/ XXXX XXXX/ XXXX/ XXXX-XXXX/ XXXX XXXX/ XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to have these accounts deleted from my credit report as it is reporting misinformation and has invaded my privacy as a consumer as I NEVER gave my consent. You did not fulfill your grave responsibility. You were unfair, partial, and you did not respect my right to privacy. 


EQIFAX XXXX XXXX XXXX XXXX # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016 XXXX XXXX Acct # XXXX Derogatory : Chargeoff Date Opened : XX/XX/2016
Product: Student loan

I have tried on several occasions to get a full explanation about how my loan balance increased far beyond the original loan amounts. The loan company was not able to provide any documentation about how much was initially taken out in loans. The company says they could not provide this information because the loan ( s ) had gone through a consolidation. The only response was that the balance had increased due to interest charges.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the persistent issue of inaccurate fraudulent items on my credit report. Despite multiple attempts to resolve these errors directly with your bureau, these fraudulent items continue to appear, severely impacting my financial standing and credibility. The fraudulent items in question are not only incorrect but have been on my credit report for an extended period. I have provided substantial documentation and evidence proving the fraudulent nature of these items, yet they remain uncorrected. This ongoing issue is causing me significant XXXX inconvenience, and potential financial harm. Furthermore, I am seeking the assistance of from you to ensure that this matter is handled appropriately and expeditiously. The presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have mobile deposit on XX/XX/24 to my business savings account for {$3800.00} it says the available funds are available on XX/XX/24 then they change the availability of my funds on XX/XX/24 I went to the BOA branch to see what is the reason they changed it I did not get no response so what I did is I opened another personal account and I did deposit a cashier check from my close account XXXX. They put XXXX hold and on the XX/XX/24 I called them about my branch deposit they hanged up the phone and I was restricted on my account then I called on the XX/XX/24 I was told the last deposit I have is not going to release to me they will returning the check from XXXX XXXX  and they will close all my accounts XX/XX/24., only XXXX XXXX  can get the funds it was recorded then I said OK so I called XXXX XXXX  about it. XXXX XXXX  said they can not help me the check was already cash out theres nothing they can do! There was no return funds Its been over a month now I have bills to pay I never had late on my payments on my rent. I have XXXX kids and new born baby all my money was taken from my account they sent me cashier check XXXX $ from my business account they took out the food on my table for XXXX and also for new year its almost the end of the month again the bills is coming I have to pay car insurance, power and water and gas, also food I have no money left and I dont want to get any problems on top of this. Then i went to set up appointment to XXXX  branch I have all my documents and a letter from the office of the XXXX XXXX it was indicated that the cashier check they sent to me was already negotiated with Bank of America., XXXX advised me to go the Bank of America and ask them then the next day I have appointment with BOA I explained everything to the manager and he just make a phone call then he pass the telephone to me the person on the phone said that they have my funds and they wont what release to me and theres no timeframe. I was restricted on my account before my check was cleared on the XXXX XXXX I git notified about my available funds was cleared that date and they close my account withdraw my money with out informing me on what they are doing all I know they will send the check to my XXXX XXXX. I find out all this information in the branch all the call center agent doesnt know what they are doing unprofessional agent! They even pretend that they cant hear me and hang up the phone!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get a mortgage loan to purchase a house but the mortgage company is unable to obtain a copy of my credit report from Equifax. 
I have called Equifax several times and they said they don't know why the mortgage company is having trouble accessing my credit report. 
I can't move forward with my mortgage application unless they get a copy of my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report and there is inaccurate information that has been reporting. I'm a retired veteran and need assistance with housing and these inaccurate remarks is hindering me in getting the help that I need for me and wife that is sick and has had XXXX XXXX  in the past year. Could you please help and make sure these accounts are updated and all negative and collections are removed immediately thanks so much.
Product: Credit card

I had a balance on my Ulta Beauty Rewards Credit Card from Comenity Bank of {$56.00} due on XX/XX/year>. I paid the balance in full through my XXXX XXXX checking account which shows the amount being paid XX/XX/year>. Comenity claimed the payment was late and charged me a {$30.00} late fee due XX/XX/year>. I called the customer service line and was told they could give me a " courtesy {$15.00} credit '' but I would still owe {$15.00}. They would not remove the late fee. I asked if I could then make a dispute since I had proof that it was paid on time, and I was told I could not make a dispute. I cancelled the card with a customer service person, however I was told I would still owe the {$30.00} fee. The card has been cancelled but I feel I'm being bullied into a late fee where I have proof it was paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried since XXXX to get the credit bureau to remove unauthorized inquiries made on my account. They refuse to remove inquiries, even after I've cited FCRA section 605 ( b ) that mandates they remove unauthorized inquiries. I've called, sent letters and still as of today XX/XX/2021 they refuse to remove unauthorized inquiries even though they have a fraud alert on my account. They are in violation of the FCRA. I've called every single creditor listed for inquiries and non of them have an application on file from me. I've gone to police and they state this is credit bureau who needs to fix, but they refuse. I'm well within my rights to sue at this point but just want it resolved