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

Subject : Formal Complaint : Equifax Non-Compliance with Section 605C of the Fair Credit Reporting Act Dear Consumer Financial Protection Bureau ( CFPB ), I am filing this formal complaint regarding Equifaxs failure to comply with Section 605C of the Fair Credit Reporting Act ( FCRA ). As a victim of human trafficking, I have exercised my rights under this law to request the blocking of adverse information on my Equifax credit file. Despite my repeated attempts and submission of all required documentation, Equifax has failed to honor my request. 

I have provided Equifax with the following : A self-attestation letter signed by myself and an authorized XXXX from an authorized agency. 
A victim determination letter co-signed by myself and the authorized agency. 

These documents have been submitted three to four times. While XXXX has accepted the same documentation and blocked the adverse information in compliance with Section 605C, Equifax has not done so, causing inconsistencies across my credit reports. 

Equifax has repeatedly sent me the same form letters in response to my submissions, offering no meaningful human review or clarification of their denial. Additionally, Equifax has claimed that the victim determination letter I provided does not qualify under their standards, but they have not specified why. Furthermore, they have claimed that XXXX XXXX XXXX XXXX XXXX is not a recognized or acceptable agency for signing my self-attestation letter, yet they have failed to provide a list of agencies they deem acceptable. 

I am therefore requesting the CFPB to : XXXX. Investigate the methods and tools Equifax uses to deny requests to block adverse information and require that my submissions receive a full human review. 
XXXX. Request a sample of an acceptable victim determination letter under XXXX standards so that I can ensure compliance with their specific requirements. 
XXXX. Require Equifax to provide a list of agencies in XXXX that they recognize as authorized to sign off on self-attestation letters, given their rejection of XXXX XXXX XXXX XXXX XXXX 

As a trafficking survivor, I have followed all required steps and provided all documentation mandated by Section XXXX. XXXX continued failure to honor my request not only violates my rights but also prolongs the harm caused by adverse information that should be removed from my credit file. I respectfully ask the CFPB to act on my behalf to ensure XXXX compliance with the FCRA. Also In violation, Equifax claim my dispute to block adverse information on my credit report was denied because I didnt respond to their Second attempt to provide documentation even though Ive tried XXXX times with the CFPB Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX, Name : XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Mortgage

I have a HELOC loan initially opened at XXXX XXXX Bank in XXXX. First Niagara Bank bought XXXX XXXX Bank in XXXX and took over the loan. Key Bank bought First Niagara in XXXX, and then assumed the loan from them. Since Key Bank began servicing the loan, there have been nothing but problems. The most serious of those problems is that Key Bank has been reporting the loan to the credit reporting agencies incorrectly since they assumed the note. I have contacted Key dozens of times over the span of 4 months to try to get them to fix it. Each time they tell me that they are reporting the loan correctly or give some other excuse. They are not reporting correctly. They are reporting the outstanding principal balance as the credit limit, instead of reporting the actual credit limit. This is causing the credit bureaus to report my debt to credit ratio as 100 %, which is negatively impacting my credit score. The actual debt to credit ratio is less than 70 %. They also do not have the correct dates listed for the loan. 
The " Executive '' customer service team looked into the problem and finally came to the conclusion that Key Bank " HAS '' to report the loan incorrectly and have the incorrect dates because the type of loan that I have did n't fit into the computer billing system of Key when they assumed it, so they modified the data to get it to bill correctly. According to them, the damage to my credit and the wrong reporting is an " unfortunate, unintended consequence '' of what they need to do to get the billing correct. They have stated that they do not have a way to correct this problem and have no intention of doing so. And after four months of it being incorrect and of me complaining, they told me not to contact Key Bank about this issue. I tried to escalate it beyond this level, but was told that there is no escalation, and I could not even deal with anyone else in that department. All decisions made by the " Executive Team '' are final and are made by only XXXX person who answers to no one and has no supervisor ( supposedly ). The choices I was given were live with the problems or find a different bank. 
I am sure there are numerous other customers who have the same type of loan that was initiated by XXXX XXXX bank that are in the same predicament.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 an account wothout written instructions.
Product: Debt collection

I received credit monitor alert for things I have no knowledge or applied for. Sunrise Credit Services is attempting to collect a debt that is not mine and is due to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that appears on my credit report from XX/XX/2022 : INQUIRY : XXXX XXXX BANK XXXX XXXX XX/XX/2022 INQUIRY : XXXX CARD DATE : XX/XX/2022 According to the Fair Credit Reporting Act, ( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Please reinvestigate these matters and delete or correct the disputed information within 30 days from today, XX/XX/2022. Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ). 

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Mortgage

Our house that was attached to this mortgage had been closed in XX/XX/XXXX and transferred to the new owner. The company has held onto the funds for 1 and a half months and have continuously told me Ive needed to pay to get the loan closed out so it is no longer in my name. Ive paid a total of {$1300.00} out of my own pocket after the funds had been sent for the payoff. The loan is now showing past due and reporting to my credit and as being severely delinquent. The loan is still showing Unapplied funds since XX/XX/XXXX and they reversed a payment of {$1000.00} but havent refunded it or applied it towards the loan
Product: Checking or savings account

I usually have funds that are being deposited but its not always accurate.
Product: Mortgage

We are attempting to refinance our mortgage. Our new mortgage lender has tried 3x sending an authorized letter requesting the mortgage payoff amount one a week since XXXX. To date Shellpoint mortgage and the underwriter of our mortgage has yet to respond to the payoff letter locking us into higher monthly payments for the last 2 months totaling over {$1500.00}. We are being held hostage to  this company and it is unacceptable.
Product: Credit reporting or other personal consumer reports

Ive recently received mail stating a response dating XX/XX/year> from transunion only and i believe i requested the information that all XXXX  bureaus send me direct proof of the information from the furnishers that is being reported to them regarding the information on my consumer report also asking if i did not receive that exact information i demanded deletions of those reports as ive been asking for the last XXXX. THEY ARE STILL INACCURATE which you will see in the files i upload. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. 

I want the original files with my written signature in ink that has been reported from these furnishers to the credit bureaus giving my authorization to report my private personal information to the following accts. If can not provide i demand DELETION as i do not authorize these third party companies to report on my consumer report. 
ACCT # XXXX XXXX XXXX XXXX  XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information *DISCLAIMER : Myreport is not a guide line to update your information, ... its only to show that the information you're receiving from the furnisher is INACCURATE so you must delete without prejudice!
Product: Credit reporting

EQUIFAX fails to remove the XXXX XXXX account information. EQUIFAX reports incorrectly the account CREDIT LIMIT is XXXX EQUIFAX reports incorrectly the SCHEDULED PAYMENT AMOUNT is {$210.00}. EQUIFAX reports incorrectly the Date of First Delinquency is different from the Date of First Delinquency from the other CRA 's for removal. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a {$4500.00} debt for eviction, but my creditor is deceased. I have paid {$2000.00} already and had made attempts to pay the creditor directly when I found out he was deceased. XXXX XXXX XXXX XXXX XXXXXXXX, Al and recovery agency is XXXX. 

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

Data Leaked /Remove Unauthorized Inquiries, Negative Accounts, invalid Social Security Numbers , Variations of Name Spelling- Siting the FCRA LAW
Product: Credit card or prepaid card

On XX/XX/2023 a letter was generated stating that a credit card through US Bank was not able to be processed due to another pending application. I have not applied for any credit cards with US bank.
Product: Debt collection

ITEM IN DISPUTE : JEFFERSON CAPITAL SYSTEM 12 XXXX XXXX DISPUTE REASON : Ownership I have no knowledge of this collection account as the account was paid in full to XXXX when account was closed 10 years ago and I have not since had another phone CONTACT INFORMATION JEFFERSON CAPITAL SYSTEM XXXX XXXX, MN XXXX
Product: Checking or savings account

On XX/XX/year>, someone sent a text to me claiming to be chime. This individual then called me claiming my account was hacked. While he was explaining to me that my account was hacked, they proceeded to log into my account and pull my card information. 
By the time they were doing that they put the card on a XXXX XXXX under XXXX XXXX and sent XXXX transactions to him ranging from $ XXXX {$9.00} in the full amount {$990.00}. As soon as I noticed what was going on I hung up the phone and called chime to cancel the card. You can see by the documentation I have provided screenshots and a police report as well as an email from XXXX XXXX showing my card was connected to this persons XXXX XXXX without my approval. I have called MANY times, but chime team thinks it is a legit transaction which it isnt. I have filed a dispute about XXXX times with chime from XXXX to XXXX. I am taking additional action as I would like my money back.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian Information Solutions , Inc. for violating the Fair Credit Reporting Act ( FCRA ), specifically FCRA Section 604 ( 15 U.S.C. 1681b ) and other relevant provisions related to the mishandling of consumer credit data. 

Upon reviewing my credit report, I discovered that Experian Information Solutions XXXX Inc. accessed and/or sold my personal credit information without my consent or a permissible purpose as outlined under the Fair Credit Reporting Act ( FCRA ). This unauthorized action has negatively impacted my financial privacy and may have exposed me to potential risks such as identity theft, unsolicited financial offers, or other unauthorized uses of my personal data. 

FCRA Violations Experienced : 1. Unauthorized Sale/Access of My Credit Information Under FCRA Section 604 , consumer reporting agencies are prohibited from selling or sharing credit information without a permissible purpose ( e.g., employment screening, credit applications, insurance underwriting ). I have discovered unauthorized inquiries and/or data sharing related to my credit file, which I did not authorize. 
2. Failure to Conduct Proper Investigations ( FCRA Section 611 15 U.S.C. 1681i ) I disputed inaccurate information with Experian, but instead of conducting a reasonable investigation, the company failed to provide proper documentation or remove the incorrect data, violating my rights under FCRA Section 611. 

According to FCRA Section 604, consumer reporting agencies and third parties may only access or sell consumer reports for specific permissible purposes, such as : Employment screening Credit applications Insurance underwriting Account review by a current creditor I did not authorize or initiate any transaction that would justify this inquiry or data sale. Therefore, I am requesting the CFPB to investigate this matter and take appropriate action for violating my rights under the FCRA.
Product: Credit card

I have a Chase XXXX credit card and I attempted to redeem my points for holiday air travel. The Chase XXXX XXXX, ( where one redeems points ), failed to purchase the flights as requested. By the time we ( my husband and myself ) discovered their failure, bookings were more expensive and there were fewer available flights. We called Chase XXXX XXXX at least three times and spent approximately three hours to resolve this issue. Despite the supervisors ' repeated assurance that they would call us back with information they also failed to do that. When I called Chase to register a complaint I was told there was no option other than to speak with their XXXX XXXX ( the same supervisors ) again. I plan to cancel my credit cards after more than 20 years with Chase Visa, but am writing to you in the hope that others do not experience similar treatment by the Chase XXXX XXXX. I would also like to receive the full value of my travel points as promised by Chase supervisors.
Product: Debt collection

I have two weeks Deeded Timeshare that are PAID IN FULL with XXXX XXXX XXXX in XXXX Florida. I was making monthly payments for my HOA past due at one point on my credit card As well as renting out the unit and allowing XXXX XXXX to keep the proceeds in order to cover the maintenance fees. After my wife became XXXX due to XXXX and subsequent XXXX and had to reduce my working hours to part time we informed a representative named XXXX with XXXX XXXX in their collections department of the situation and he suggested that we could deed the time shares back to XXXX XXXX, and with the understanding we would not be able to use the time shares and would lose whatever equity we have in the timeshares ( approximately {$30000.00} for both weeks ). We agreed and were expecting paperwork which never came ; in the interim, Covid was a reality and we like most people were in a battle for basic survival. XXXX XXXX was not communicating with us and we just thought it was due to Covid. N w we find ourselves two years later trying to defend collections through XXXX XXXX agency for an amount of {$4800.00} which is quite a bit of money expecially since my wife 's We are not sure which agency can help and are contacting your agency for help and to understand how to navigate this matter. Any help you can provide us with would be very much appreciated and welcomed. 
Please let me know if you need any additional information. 
Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is the letter XXXX wrote that says I do not own the bill because is was not turned into the insurance company in time by the doctors staff / XXXX XXXX / XXXX / XXXXXXXXXXXX. 
On XX/XX/XXXX XXXX pended the claim for XXXX XXXX for x-rays performed at XXXX XXXX XXXX for additional information. The additional information we were requesting was in reference to pre- existing condition. This information was sent to the customer since XXXX XXXX XXXX was not the ordering provider and would not be able to provide this information. Since we are showing that this information was never received from the customer, the provider then has the right to bill the customer. On the other hand if we reached out to the provider for this information and got no response as a contracted provider they would not be able to bill the customer. 
At this point the only way we can resolve this issue is if you are able to provide us with the pre- existing information we were requesting and show proof of when you originally submitted this to XXXX . This would have had to have been received by XX/XX/XXXX to be considered timely response. 
Any questions please contact XXXX customer service at XXXX confirmation # XXXX. 
Thank you and have a great day. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX PA XXXX : XXXXXXXXXXXX, unpublished property of XXXX.
Product: Credit card

DISCOVER CARD SERVICES HAS BEEN GIVING ME MISLEADING INFORMATION ON MY CREDIT CARD ACCOUNT BALANCE AND THEY NEVER DULY RESOLVE ANY ISSUE THEY PROMISED THEY WOULD FOLLOW UP ON. I PERIODICALLY CALL THEIR TOLL-FREE NUMBER AT XXXX AND I GET ROUTED TO DIFFERENT DEPARTMENTS WITH MISLEADING INFORMATION. THEY ARE RIPPING ME OFF WITH THE INACCURATE BALANCE ON MY BILL WHEN I CLEARLY EXPLAINED TO THEM THAT I AM NOT FINANCIALLY RESPONSIBLE FOR FRAUDULENT CHARGES ON MY ACCOUNT AS I HAVE BEEN THE VICTIM OF INTERNET FRAUD, ON WHICH I WAS ABOUT TO FAX OVER DOCUMENTS TO THEM. THEY CLOSED MY ACCOUNT WITHOUT INFORMING ME OF SUCH ACTION WHEN I CALLED THE PAYMENT CENTER IN OHIO AND TOLD THEM THAT I WILL BE MAKING PAYMENTS ON THIS ACCOUNT TO TAKE CARE OF CHARGES INCURRED EVEN THOUGH I CLAIMED THAT I AM NOT RESPONSIBLE FOR SOME PAYMENTS POSTED ON THE ACCOUNT THAT WERE ALLEGEDLY RETURNED. DISCOVER IS TAKING SOME ADVERSE ACTION TO RIP ME OFF AND CAUSE EMOTIONAL DISTRESS BY OVERINFLATING THE CURRENT BALANCE FROM {$2800.00} ( THE PAST BALANCE IN XX/XX/XXXX ) TO {$6200.00} WHICH THEY ARE INACCURATELY REPORTING TO THE CREDIT BUREAUS TO CAUSE ME SIGNIFICANT FINANCIAL HARM AND EMOTIONAL DISTRESS WHEN I HAVE CLEARLY EXPLAINED TO THEM THAT WHATEVER PAYMENT WAS RETURNED UNPAID ON XX/XX/2016 ( {$3500.00} ) WAS NEVER CREDITED TO THE ACCOUNT AND WAS NEVER DEBITED AT ALL. I RECENTLY MADE A PAYMENT ONLINE ON THIS ACCOUNT IN THE AMOUNT OF {$36.00} AND APPLIED THE CASH REWARDS BALANCE OF {$12.00}, FOR A TOTAL OF {$49.00}, ANOTHER OVERINFLATED MINIMUM PAYMENT DUE AS A RESULT OF THE OVERLY INFLATED AND INACCURATE CURRENT BALANCE FOR XX/XX/XXXX. I WAS INFORMED BY DIFFERENT AGENTS I SPOKE TO THAT THE CASH REWARDS BALANCE WOULD BE APPLIED TO MY MINIMUM PAYMENT DUE WITHIN 2 DAYS FROM XXXX XXXX, A DAY BEFORE THE DUE DATE OF XXXX XXXX FOR THE CURRENT BILLING CYCLE. HOWEVER, WHEN I LOGGED INTO MY ACCOUNT ONLINE, THE WEBSITE REFLECTS THAT DISCOVER HAS NOT APPLIED MY CASH REWARDS BALANCE TO MY MINIMUM PAYMENT DUE LIKE THEY SAID THEY WOULD. I WAS EVEN INFORMED THAT THEY WOULD WAIVE ANY LATE FEES I WOULD HAVE INCURRED BECAUSE OF SUCH TECHNICAL ERRORS THAT THEY HAVE BEEN HAVING ON THEIR WEBSITE. THE AGENTS I SPOKE TO CONSISTENTLY TOLD ME THAT THEY HAVE BEEN HAVING PROBLEMS WITH THEIR WEBSITE AND THEY CONSISTENTLY APOLOGIZE FOR THEIR MISTAKES BUT NEVER FOLLOWED THROUGH WITH THEIR PROMISED AND PROPOSED COURSE OF ACTION AIMED TOWARDS A RESOLUTION OF MY PROBLEM. NOW, I AM HAVING PROBLEMS WITH MY CREDIT REPORT BECAUSE OF INACCURACIES PERTAINING TO MY DISCOVER CARD ACCOUNT 'S CREDIT BALANCE WHICH THE CUSTOMER SERVICE AGENT HAS NEVER BEEN FORTHCOMING AND EFFICIENT ENOUGH TO RESOLVE. I CAN NOW FIRMLY AND AFFIRMATIVELY STATE THAT AFTER 30 CALLS I PUT IN TO DISCOVER CARD CUSTOMER SERVICE DEPARTMENT LOCATED IN DIFFERENT STATES, THERE IS NO CONSISTENCY, ACCURACY, DUE DILIGENCE AND TRUTHFUL REPRESENTATION OF FACTS FROM THIS CREDIT CARD COMPANY. THEY ARE UNSCRUPULOUSLY AND INTENTIONALLY CAUSING ME INTENSE EMOTIONAL DISTRESS WITH THE WAY THEY ARE ADVERSELY IMPACTING Y CREDIT.