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

i get preapprovals from XXXX XXXX every day in my inbox. i have been preapproved over 6 times for a XXXX  XXXX card. i completed a savor card application and it was denied because i had a fraud alert on my equifax account i did not know about which i have now fixed with my phone number that was left off for my contact number which was done the same week. i have mailed them more documentation to dispute this issue to the office in XXXX XXXX XXXX, ut. they refuse to reopen my application and contact equifax to process my savor card. all my emails to XXXX  XXXX that i have sent to them have come back. the refuse to help me in anyway on the phone. i have contacted to ceo 's office as well in va. my application number is XXXX my confirmation number for equifax is XXXX where i called and had ny phone number added to my fraud alert. XXXX  XXXX so far refuses to have any other solutions other than pulling my credit over again to pull down my scores. hope you can help me get my savor card i applied for and i was preapproved for over 6 times.
Product: Credit reporting or other personal consumer reports

Im filing a complaint toward Equifax for failing to properly investigate disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene The Consumer Financial Protection Act ( CFPA ). 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I report are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian due to their failure to adequately address my identity theft claims and their use of delay tactics to avoid resolution. Despite providing substantial documentation, including multiple FTC Identity Theft Reports ( Report Number : XXXX ), Experian has not taken the necessary steps to correct inaccuracies on my credit report. Instead, they dismiss my requests and treat me as if I am being deceitful. This behavior is unacceptable, and I will not be bullied by any credit reporting agency, including XXXX and XXXX, which have exhibited similar issues. 

Questioned Accounts : XXXX. XXXX  : Status : XXXX deleted this account. 



XXXX. XXXX  : Status : Remains on XXXX despite deletion letter. 



XXXX. XXXX  XXXX XXXX ( XXXX ) : Status : Pre-bankruptcy account, likely contained fraudulent charges. They agreed to deletion ( as supported by letter ), but this has not been done. 



XXXX. XXXX ( XXXX accounts ) : Status : Pre-bankruptcy accounts, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 



XXXX. XXXX : Status : Pre-bankruptcy account, likely contained fraudulent charges. I need transaction histories to verify details or delete the charge-off. 




Complaint Details : XXXX. Law Enforcement Validation : Experian stated they can not block items from my credit report without validation from a law enforcement agency. The FTC Identity Theft Report I provided is legitimate validation of my identity theft claims. It is unreasonable to dismiss this document and require further validation. 


XXXX. Request for More Documentation : They requested specific personal information and additional documentation. I have supplied comprehensive documentation, including FTC reports and deletion letters. The repeated requests for personal information add stress and feel like a delay tactic rather than a legitimate security measure. 


XXXX. Accusations of Misrepresentation : Experian implied that my request was made in error or based on misrepresentation. These accusations are unfounded and harmful. I assure you that my requests are legitimate and based on factual documentation. 


XXXX. Need for Transaction Histories : Access to full transaction histories is crucial for me to determine the legitimacy of the accounts. The numerous caregivers and individuals in my home during my illness make it impossible to sort through this complexity without their help.

5. Intentional Delay Tactics : While I understand that processing these requests can be complex, the pattern of requesting documentation I have already provided seems like a deliberate tactic to delay resolution. This behavior is unacceptable, especially as I work to regain my health and stability. If Experian can not substantiate their claims, I must insist that they delete any questionable information from my report.
Product: Student loan

I attended XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX from XXXX and the way in which they handled the student loan information led me to borrow more money than I needed. They had a company come talk to us about finances and how we should borrow and pay later as if it was going to be straight forward. They knew well that none of this was going to be straight forward. The worst part for me is that at NO point did anyone tell me anything about a tax being applied at the end of the loan! This is absurd! That needed to be part of the many financial emails and lectures they gave us. They informed us how easy it was to borrow without any heads up about how awful this post-graduate period of our lives was going to be! I'm a smart person but I trusted me school and they took advantage. 

Unacceptable!
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an auto loan account with XXXX that has been inaccurately reported on my credit report. This account, which is listed as a repossession on my credit report, is still showing on my XXXX and TransUnion reports, despite it being past the XXXX reporting limit for negative information. 

Here are the specific details of the account : Account Name : XXXX XXXX XXXX Account Type : Auto Loan Account Number : XXXX Open Date : XX/XX/XXXX Current Status on XXXX XXXX TransUnion Reports : Repossession Date of Repossession : XXXX I am requesting that this account be removed from my credit reports with XXXX and TransUnion, as it has now been over XXXX  years since the reported date of deliquency. Under the Fair Credit Reporting Act ( FCRA ), negative information such as a repossession should not remain on a credit report for more than XXXX years from the date of the initial delinquency ( Section 605 ( a ) ( 4 ) ). 

It is important to note that XXXX has already removed this account from my credit report. In XX/XX/XXXX, the account appeared on my XXXX credit report, but as of XX/XX/XXXX, it has been removed. I request that the same action be taken for my XXXX and TransUnion reports in accordance with the FCRA, particularly XXXX XXXX, which mandates that credit reporting agencies must investigate disputes and correct inaccuracies within XXXX  days. 

Furthermore, the continued reporting of this outdated information by XXXX and TransUnion, despite XXXX removal, constitutes a violation of the principle of equitable treatment, as all three bureaus should treat this account the same way.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/2020 and the subsequent response received on XX/XX/2020 enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2020 with a balance of {$11000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Verification of Charge off and 1099-c for account # XXXX. 
Dear Capital One Bank USA, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-c for the account associated with the reference number XXXX. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If your company does not have these documents a request for deletion from all major credit reporting agencies immediately within 3 business days. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. 
Thank you for your cooperation in providing the necessary documentation for this verification process.
Product: Debt collection

someone is using my ssn to apply for accounts in my name and my email i have been in multiple data breaches please help im trying to clean up my equifax profile from inquires that are not mine. 
XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX,, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice that the report for my credit has bwwn off trwxk. Sknce XX/XX/XXXX up until present time i have nevee done anytjinf on my ceedit report
Product: Checking or savings account

This is the third time I am submitting a complaint. After this I will be looking into legal action for discrimination. My phone carrier is not supported by Citi bank and they are refusing to let me access my funds unless I change my phone carrier. This illegal discrimination against low income families and customers is unacceptable and I will be seeking compensation and relief for this constant harassment.
Product: Student loan

I made a payment during the transitioning period for Mohela and that payment of {$1000.00} has been missing since XX/XX/2024. I've called in XXXX to let Mohela aware of this issue, and waited their 90 days so they can fix it and still my issue has not been resolved. I've contacted them again, after waiting their initial 90 days for them to fix it, to let them know that the issue still hasn't been fixed they stated, " They will highly prioritize the issue ''. I provided confirmation email of that payment as well as a bank statement of that payment and waited their highly prioritize, 7- 10 business days and still it has not been resolved and my {$1000.00} payment is missing. All they tell me is to continue waiting the days it will take for them to fix it and it still doesn't get resolved. I did all the necessary steps they have asked of me, waited over 100 days and my payment of {$1000.00} is still lost/stolen by Mohela.
Product: Credit reporting or other personal consumer reports

I have a fraud i quiry on XXXX from indigo and i havent apply for any cradit
Product: Credit card

A charge came through my credit card for {$4100.00} on XX/XX/year> and the credit card company asked me to verify which I DID NOT. The credit card company then let the charge go through. When I noticed the charge, I told the credit card company, but they refused to dispute the charge.
Product: Credit reporting or other personal consumer reports

I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report.
Product: Bank account or service

I have notice some charges to my checking account. I made a merchant charge to my account of say {$6.00} at XXXX XXXX, the suddenly, a charge of actually {$1.00} or {$2.00} is made to my account from XXXX XXXX. I recently made a charge to my account from XXXX for a warranty for {$59.00}, the XXXX at the Chase Bank, here in XXXX XXXX, pointed out to me on the bank 's computer of another additional charges of {$1.00} and {$2.00} and {$28.00} from XXXX. Since obtaining, the new chip card, I have notice these type of charges that apparently are being made. I suspected from quite some time of virtual charges to my account for a number of years, Because some how, I made a purchase and the debit and credit did n't add up and complained to the Bank, to no avail. With the new chip in place, that charge is showing up and is deducting that amount from my account., but when I try to retrieve the information from the Bank , account online website, it has disappeared. I saw this on the XXXX warranty and XXXX and Chase Official statement was that there is no charge. It appears on my account, and now my account is overdrawn, but by my calculations, I should have about {$60.00} in my account, but the additional charges that appears have taken a toll on my account. Someone is hacking into my accounts and is taking funds. It appears, that Chase is aware of this because they are responsible if this is happening. They will not investigate or find out how this happening. I suggest, that CFPB investigate some of the banks, You can start with my account. I strongly believe, that it maybe happening to the XXXX accounts because it is easily to hack, they have the same amount each month and no one is looking at this.
Product: Credit reporting or other personal consumer reports

I discovered that many accounts on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous accounts that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

LA CURACAO WAS CHALLENEGED TO REMOVE COLLECTION. 
RESULTS WERE TO BE DELETED OFF LA CURACAO DELETED, AND IMMEDIATELY RETRACTED COMPLETELY NEGLECTING THE PROCESS! NOW ITS BACK UP AND THEY WILL NOT ANSWER
Product: Debt collection

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have filed a police report also reported this with FTC
Product: Credit reporting or other personal consumer reports

I have submitted Police reports, then FTC reports, I have shown proof of State issued ID with address. Have requested fraudulent addresses and finance accounts to be blocked and removed from the credit reporting agencies on multiple occasions. The information either remains or reappears later back to my personal credit reports.. I have called the credit unions reporting the information and the credit bureaus. I have followed all requested procedures of relief and to no avail, I am frustrated with this process over the past couple years. They know that I have been a victim of identity theft from XXXX breeches and others compromised companies from my person information to my IRS tax returns, they stole my stimulus in XXXX  XXXX years and the credit bureaus continue to report inaccurate false derogatory accounts to my personal credit reports. I was told to contact this agency for relief, since they seem to dismiss the Police & FTC complaints. They just keep reporting the same derogatory comments month after month with a couple of inaccurate addresses that I have disputed over and over.
Product: Credit reporting or other personal consumer reports

My account with US DEPT ED was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

US DEPT ED never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Prepaid card

Equifax data settlement breach. 

On XX/XX/XXXX, I received an email from Equifax about an additional pro rata settlement payment, to be distributed to prepaid card. Further instructions were to follow. 

On XX/XX/XXXX ( XXXX XXXX  ), I received a second email from Equifax that my additional payment amount was {$7.00}, again to be distributed by prepaid debit card. This email included instructions to redeem the prepaid card. 

I followed the instructions in the email and successfully received and activated the prepaid card. Equifax specifies the card can only be used at online vendors. However, the card is not accepted by any online vendors. I also can not digitally add the prepaid card number to my electronic wallet.
Product: Checking or savings account

Had used wise.com to pay technician contractors. Wise.com closed account without warning and no explanation. Submitted request for explanation. None was given. Disrupted our relationship with our contractors.
Product: Credit reporting or other personal consumer reports

I am submitting this formal dispute regarding an inaccurate XXXX late payment being reported on my credit report by XXXX XXXX ( Account # XXXX ). Upon reviewing my consumer reports, I identified this error despite consistently making on-time payments on this account. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681e to ensure that only accurate and verifiable information is reported.

Disputed Information : Creditor : XXXX XXXXL Account Number : XXXX Disputed Item : XXXX late payment Reason for Dispute : I have never missed a payment on this account, and this information is inaccurate Request for Investigation : Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request a formal reinvestigation into this matter. Under the law, XXXX XXXX and consumer reporting agencies are required to verify the accuracy of any disputed information or promptly correct/remove it if verification is not possible.

I hereby request : Verification of the alleged late payment : Please provide supporting documentation, such as my billing statements and payment records, to substantiate this claim. Immediate correction : If XXXX XXXX can not provide verifiable proof that I was late, I demand that this false late payment be removed and my account status updated accordingly.Notification of correction : Upon resolution, please provide written confirmation that my credit report has been updated. 
Additionally, I request that the CFPB oversee this dispute and ensure compliance with FCRA standards. Reporting inaccurate information harms my creditworthiness, and I expect this matter to be rectified in a timely manner, as required by law to reflect " Current ''. 

I have attached supporting documents ( such as proof of on-time payments ) to aid in your investigation. If you need further information, please contact me at your earliest convenience.