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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Ongoing Dispute with Equifax Regarding Incorrect Personal Information on Consumer Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention an ongoing issue I have been experiencing with Equifax, one of the major credit reporting agencies. Despite my previous attempts to resolve this matter, the incorrect personal information on my consumer credit report has not been adequately addressed. 
On XX/XX/XXXX, I sent a formal letter to Equifax requesting that they correct the inaccurate personal information and remove incorrect addresses and names from my credit report. The inaccuracies on my credit report have the potential to negatively impact my creditworthiness and financial standing, which is deeply concerning to me. 
Despite the stipulated period for Equifax to investigate and rectify the inaccuracies, the incorrect information has not been removed or corrected as of the date of this letter. I have been monitoring my credit report closely and have seen no changes in the erroneous data, which leads me to believe that my complaint has not been properly addressed. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate and up-to-date information on my credit report. I believe that the continued reporting of incorrect data by Equifax is a violation of my consumer rights, and I request the CFPB 's intervention to resolve this matter promptly. 




I am providing the following details for your reference : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Address ( es ) listed on Equifax report : XXXX. XXXX XXXX XXXX, XXXX  XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX, CA XXXX Incorrect Name ( s ) listed on Equifax report : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX I kindly request that the CFPB investigates this matter on my behalf and ensures that Equifax complies with the FCRA by correcting and removing the incorrect information from my credit report. Additionally, I would appreciate regular updates on the progress of this investigation. 
Please find attached copies of my previous correspondence with Equifax, which includes proof of my initial dispute and their acknowledgment, as well as any relevant documentation supporting my claims. 
I sincerely hope that the CFPB can assist me in resolving this issue and ensure that my credit report accurately reflects my credit history. Your timely attention to this matter is greatly appreciated. 
Thank you for your assistance and understanding. Should you require any further information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th 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 alleged fraud or extortion. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance Owed : {$2500.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Balance Owed XXXX {$230.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

My vehicle was repossessed on XXXX XXXX, 2015. I do n't think it 's fair that the lender can repossess my vehicle as collateral and still earn money as a result of a deficiency. The only compensation should be the collateral and not both the collateral and deficiency. I have also left messages for the company that repossessed my vehicle to allow me to come and get my personal property and they have not returned any of my telephone calls. Consumers should not be treated in such a disrespectful manner.
Product: Credit reporting or other personal consumer reports

Good day! I am requesting for your assistance regarding with these wrong reported accounts on my credit report. Under the provisions of the FCRA 15 USC Section 1681i, please reinvestigate and update the accounts listed below XXXX XXXX XXXXXXXX Balance {$19000.00} XXXX XXXX Balance {$16000.00}
Product: Debt collection

I have a documents showing paid in full as of XX/XX/2021. Numerous attemps to send the documents that Conn 's Furniture sent me they will not take this off my credit and will not stop emailing me to make payments.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report separate 1 fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a OTHER opened at XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} on XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. UPDATE AND SUPPRESS NEGATIVE INFORMATION 3. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. please update and suppress negative information, and inquiries that are not attached to any accounts XXXX. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for inaccuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX My addresses XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NV XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX My phone numbers XXXX XXXX XXXX
Product: Debt collection

There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.
Product: Debt collection

I been trying to work with " Designed Receivable Solution Inc. '' for the past month and a half. I spoke with a man working there and explain my problem and ask the man why that company was sending negative and false inaccuracy reporting to all three major credit bureau. I was never given a clear explanation why this third party collection agency was reporting bad and false information. I don't owe " DRS '', any money or anything else. This matter was handled/discharge in US BKPT Ct CA XXXX XXXX 2013. Why " DRS '' did what they did was unlawful. I am not obligated to them for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I received a dispute report review that an account that was already paid for was still showing up on my credit report with Equifax. I submitted to Equifax both bank statement and offer letter that to the settlement was paid for. Equifax does not want to remove this off my report Ive made to attempt two attempts with Equifax to remove it. The company XXXX XXXX XXXX has not updated the amount, even though I told them about it.
Product: Credit reporting or other personal consumer reports

I ask each account be delete due to inaccurate information on all tree credit reports
Product: Student loan

I attended a school in XXXX XXXX Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX! I got my XXXX in graphic design, upon which completing they garaunteed career placement for life. I even spoke to the counselor before applying for XXXX $ in student loans!! They again assured me that before graduation I would already be placed in the field in the internship and then with payment. My internship ended due to them having no business I graduated with the highest gpa at the school national honors society. The counselor prints out the XXXX wanted adds for the day circles 3 positions making {$8.00} per hour or less and having nothing to do with the field of study lawn mowing and fast food!!!! Now Im a XXXX XXXX still and this school closed down shortly after now I still cant afford to pay this loan and survive with my XXXX  Please help!!
Product: Debt collection

XXXX Balance : XXXX I have disputed this debt numerous of times explaining to them that I was a victim of identity theft and my information was used to obtain said property or merchandise. I have sent police reports and other said documents and they continue to resale this debt to other collection agencies for repayment affecting my credit and ability to obtain a place of my own to stay because it continuously shows up as unpaid.
Product: Credit card

I received an email from NetCredit regarding an application for a credit card that I did not apply for. When I called the number on the email, they asked for my name and last XXXX digits of my Social Security number, which, of course I did not give them, and they said that was the only way to look up my account. I do not have an account, and the email gave an account number that couldve been used but apparently according to them the only way to receive that was with my Social Security number. Whoever signed up for the account used a fake address as well as XXXX I called the number on the email, they asked for my name and last XXXX digits of my Social Security number, which, of course I did not give them, and they stated that was the only way to look up my account. I do not have an account, and the email gave a account number that couldve been used but apparently according to them the only way to receive that was with my Social Security number. Whoever signed up for the account used a fake address as well as a fake name so I wanted to report it since it is obviously a fraudulent company and/or number.
Product: Mortgage

To whom it may concern, My name is XXXX XXXX Of course Bank of America can not get it right when it come to my short sale. I truly feel thing my short sale for address XXXX XXXX XXXX, mi XXXX. I have filed multiple complaints on this acct. they refuse to act or go any further on anything unless. I filed a complaint. I have submitted a 3rd party authorization 2x once to XXXX. I called they said they received it the signature was verified and everything was good. Still they would not authorize my realtor XXXX XXXX to handle the short sale. I was also told that sense he had already 3rd party it was not removed he should be ok. Then they had me send another 3rd party authorization. I called I verified they received it. They said it was ready to go and still he as not authorizations to work on my behalf to complete the short sale. If you could be so kind the owner or president of bank of America aware of all the problems and concerns I have me having with dealing with bank of America. Also of the short sale department be made aware that their company are refusing to help me
Product: Credit reporting or other personal consumer reports

I am filing a complaint with Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions.experian consistently responds within XXXX hours stating the account is accurate. Without providing any evidence of a thorough investigation.this practice violates the fair credit act ( f.c.r.a ) .15 u.s.c1681 which mandates a reasonable of disputes.futhermore Experian actions may also contravene the consumer financial protection act ( cfpb ) 12u.s.c 5536 ( a ) - ( b ) as highlighted in the cfpb recent administration proceeding ( XXXX ) against them for similar violations. I request that the cfpb take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : *Collection : XXXX  XXXX {$400.00} XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX {$550.00} XXXX XXXX {$9000.00} XXXX XXXX {$540.00} *Charge Off : XXXX XXXX {$0.00} *Repossession : XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing for the correction of my Credit file for tha last 2 months now, and I am grateful for the Credit Bureaus actions as they decided to remove some of the fraudulent items from my Credit File. However, as I inspect my Credit Report, there are still some acccounts and information that should also be removed from my Credit File. I have read that under the Fair Credit Reporting Act section 605b, the Credit reporting Agencies are required to remove any accounts and information that resulted due to identity theft. Once again, I was a victim of identity theft and that the disputed accounts and information must be removed from my Credit file under the FCRA section 605b. Here is the list of accounts and information that should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX 'S XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX O XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. Also, if the Credit Bureaus claim that the disputed accounts and information belong to me, I require the Credit Bureaus to send me copies of proof of ownership or any documents bearing my signature to support their Claims. In the event that the Credit Bureaus find no signed documents, please remove the disputed items completely from my Credit file.
Product: Debt collection

I have disputed this debt for many years, it is not my debt. I have paid all other medical debts to this medical provider for all previous treatments. I do not know or recall when this was to occur or if it is even mine. I can't find or locate any proof, nor can anyone provide anything to prove it is.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle`s handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds and tracking these transactions was unfeasible. The CFPB`s findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Found a hard inquiry from Freedom Mortgage. Told a soft inquiry would be done. Did not authorize a hard inquiry. Impacted my credit report.
Product: Checking or savings account

On XX/XX/XXXX, I had submitted a disputed claim via Chase online portal to the claims department regarding an agreement with a mobile app developer to complete the tasks as agreed by payment/terms/conditions. Vendor kept delaying the process with excuses, which is documented via emails. 

On XX/XX/XXXX, Chase claims department continued to present so many challenges to process my disputed claim resulting in me escalating the issue that oversees the claims department. 

On XX/XX/XXXX, I received a voice recording from one of Chase executive team members apologizing for the claim department behavior in handling my dispute and stated it is not the reflection of Chase business practice. Reversed the debit to the credit and stated the claims department will be informed accordingly. 

Within the next two weeks, the claims department reversed the credit to the debit on my checking account and sent me a letter stating the my disputed claim was denied because I agreed to send the vendor the payment. 

Given the fact, claims department reasoning for overriding one of the Chase Executive team members is mind bottling. I honestly can not produce logic for their reason. 

My disputed claim has nothing to do with me agreeing to send funds to the vendor. That is a given. It clearly relates to paying a vendor and not receiving the services, as stated on Chase website, by definition known as a " Charge Error ''. 

On XX/XX/XXXX, two different Executive team members refused to provide me documentation stating legal reasons, according to Chase " Charge Error '' definition of the reason my disputed claim was denied. 

I have been a customer with Chase for more than 10 years. I have not ever engaged in poor business practice with Chase. I had exhausted my attempts to gain rationale from those two different Executive members, who keeps telling me, the reason my disputed claim was denied because I authorized payments. Again, it is obvious. I never denied it. This matter relates to " Charge Error ''. Vendor received my money and never provided services according to agreement. 

Bear in mind, I provided those two different Chase Executive team members the agreement between the vendor and myself; exchanged of emails with the vendor regarding not providing me services; copy of letter complaint against the vendor via XXXX, whom informed me they believed I am a victim of a scam and report it to my bank and all applicable authorizes and was disregarded by those two Chase Executive team members ; and provided them proof of a letter from an attorney, sent to the vendor in XX/XX/XXXX, and the vendor never responded. 

Yet, to this day, those Chase Executive team members, have decided to disregard all the above attempts and still denied my " Charge Error '' claim stating I agreed to send payments to the vendor. 

Most likely, if I am enduring these poor business practices, Chase other customers are enduring the same and the real executive team of Chase such as Directors, CEO, CFOs etc, are not aware of how these Chase Executive team members are misappropriating Chase accounts.
Product: Credit reporting or other personal consumer reports

RE : Dispute of Account and Request for Reinvestigation and Verification under FCRA I am writing to formally dispute the inaccurate information being reported on my credit file, as provided by GLOBAL LENDING.

I demand an immediate reinvestigation of this account in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, which mandates a prompt, thorough, and fair investigation of disputed information. This account is being inaccurately reported, and I am requesting that you conduct a reinvestigation to verify the legitimacy of this account and its reporting.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting 2 account listed as XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX incorrectly there is no way that either consumer agency verified this account as accurate because courts are unable to released such information about court proceedings. The account is also listed twice on my consumer report which this is a violation of my consumer reports. Equifax as since deleted the account so the how is XXXX and XXXX verifying information that Equifax is not able to verify. This information is causing me damages because its messing up my credit score by having both account calculated into my score.