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

Equifax I submitted documents to your company 7 months ago advising fraudulent accounts on my credit file. Let me start by saying I live in XXXX. XXXX, Al and have been all my life. Now these documents I submitted back in XX/XX/2022. And as of XX/XX/2022 these items are still on my credit file. I want them rovef ASAP, else I will file a Legal Law Suit. Enclosed is my ID Alabama, police report, and proof that these accounts were open up in. XXXX XXXX Nevada and a address reporting on my credit file is fraud. Please remove ASAP
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - paid off the {$8400.00} ( loan balance ) plus a {$39.00} late fee. 

XX/XX/XXXX- received a bill for {$260.00} as interest and a late charge for not submitting a monthly payment. 

I called a number of times to try to resolve this matter and no supervisor would speak with me and they just insisted on receiving their payment. 

XX/XX/XXXX - I finally called and demanded to speak to a supervisor, they refused. I was told by the operator that I need to pay or every month the balance will increase. 

I responded, " Increase for what? I paid off the principle of the loan, HOW are you calculating these interest payments? What math are you using? '' I paid off the {$260.00} as I was given NO OTHER OPTION. 

I am shocked, AMEX is allowed to operate in this manner. 

Please help me get back my money. 

XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/ welcome to XXXX  letter received. Federal loans will be transferred to XXXX in 30-45 days XX/XX/XXXX. XXXX  congratulations, list of all federal loans transferred and taken out of default, transferred to XXXX and placed back into good standing. 

XXXXXXXX XXXX XXXX. Welcome! List of federal loans and a disclaimer. Credit Report Infomation : We will not be reporting some or all of your loans to the credit bureaus, even if you eventually fall behind on your loans. Your loans had been in default for so long the Department of Education deleted the tradelines from your credit file and under XXXX XXXX we will not be reporting these loans unless you consolidate the loans. 


XX/XX/. Notice of XXXX  Discharge. Shortly there after, XXXX added XXXX derogatory marks to my credit reports, causing a catastrophic mess. 
No apologies. Basically, it is a means by which they can punish the XXXX person asking for relief. 

CFPB XXXX XXXX XXXX  have all been severely unhelpful.
Product: Credit card

I havent been able to link my bank account with PayPal Credit ( synchrony bank ) for two years. The only way Ive been able to make payments is by calling customer service or transferring money to another bank, resulting in late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, XXXX and Equifax representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, XXXX and Equifax employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, XXXX and Equifax reports that they have verified these accounts are in fact mine. Who at XXXX, XXXX and Equifax verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, XXXX and Equifax is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) fraudulent inquiries on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently pre approved for a XXXX credit card then I got a letter in the mail stating " We regret that we are unable to open an account due to lack of existing credit information on your report based on report obsessed by Transunion either this company XXXX is lying that they checked my credit report or they were given false information on me by Trans union I would simply like for this Inquire to be removed or be sent a report of information provided to XXXX XXXX XXXX Application # XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert that an account was reported in my credit file. I spoke with a supervisor and she assisted me with filing a dispute for fraud. She told me if I wanted those accounts removed and blocked I had to file a FTC report. She walked me through on how to get to website and how to add those accounts to the FTC report. I mailed the documents to Equifax on XX/XX/year> they were received and attached to my Equifax Credit Report on XX/XX/year>. I reached out Equifax and now theyre saying those accounts were put into another 30 day dispute which is not correct. I was told with the documents attached it would take 72 hours to have those accounts removed. Theyre making me wait another 30 days which is unlawful. According to the CFPB, if you have attached an FTC report to support your claim takes 72 hours. Those accounts should be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to XXXX, Experian, and XXXX.However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Debt collection

I was billed for a XXXX XXXX and I had full medical coverage at the time of the XXXX  I contacted that collection agency to provide proof a 1095b that states I was covered and also has the information to the company who shouldve been billed and they are refusing to remove this collection from my credit profile
Product: Money transfer, virtual currency, or money service

Dear XXXX, This is XXXX XXXX, my family is a victim of wire transfer fraud ( more than {$120000.00} ) in  Wells Fargo on XX/XX/2018. The fraud wire transfer was on Monday morning XX/XX/XXXX. We discovered the fraud on Wednesday XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Wells Fargo still released the fund to fraud account on the same day of the wire. After we reported fraud to Wells Fargo, they have not provided any information we demanded and they have not released any information to us. The money was the downpayment for buying our first house. Please help us!! Wells Fargo is just saving the time for criminals to steal our money which we have been saving for a lot of years. The contact in Wells Fargo is : XXXX XXXX, phone : XXXX. Please help us!! It has been 1 and half months since the fraud happened. However, Wells Fargo has not provided anything to us about the fraud. What they are doing is just to cover their mistakes and protect the criminals.
Product: Checking or savings account

Chase Bank closed my bank account because of the SBA loan. Chase holds the fund and never send it back to SBA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX XXXX 3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) 5. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. US SM BUS on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, DC XXXX Subject : Formal Complaint Against XXXX XXXX XXXX for Violations of the FDCPA and FCRA Dear CFPB, I am writing to formally lodge a complaint against XXXX XXXX XXXX  regarding their handling of a debt that I allegedly owe. My account number with XXXX XXXX is XXXX. The amount in question is {$1200.00}, which they claim has been sold to XXXX XXXX, yet they continue to report it as a late payment on my credit report. 

Issues Encountered : Debt Verification and Ownership : XXXX XXXX has purportedly sold my debt to XXXX XXXX. However, I have requested verification of this sale, including the transfer documents, and have not received any response. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to this verification. 

1099-C Request : Since XXXX  XXXX no longer owns this debt, they are required to issue a 1099-C Cancellation of Debt form if they have charged off this account. As of now, I have not received this form, which I am entitled to under the Internal Revenue Code, 26 U.S.C. 6050P. 

Inaccurate Reporting : Despite the alleged sale of the debt, XXXX XXXX continues to report this account as delinquent on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishers from reporting inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that it is unlawful for a furnisher to report information that it knows or should know is inaccurate. 

Request for Assistance : I am requesting the CFPB 's assistance in investigating these violations, as XXXX XXXX XXXX  's actions have negatively impacted my credit score and caused significant distress. Specifically, I seek the following outcomes : An investigation into XXXX XXXX 's practices regarding the reporting of this alleged debt and their failure to verify its sale. 
Enforcement action to ensure that XXXX XXXX complies with the FDCPA and FCRA. 
Removal of any negative entries related to this account from my credit report until the verification is provided. 
I appreciate your attention to this matter and look forward to your prompt response. If you require any additional information, please do not hesitate to contact me. 

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

I was contacted by US Dept of Education/ XXXX  about a student plus loan that I did not sign for. During initial contact   XXXX   2017, I stated that this was not my debt and that I wish to report it as fraudulent activity. At this time I requested a copy of the loan documents from  XXXX . When I received and reviewed, I noticed several errors. The data on the loan documents were not my information, the contract was not signed and the signature was typed in, the loan documents listed an incorrect address, phone number and references. After disputing this information with  XXXX  I was told that I needed to file a police report, in which I did immediately. I provided the   XXXX   police report to  XXXX  ( incident #  XXXX  ), along with a statement notarized with my signature. Addtionally, I signed a certification/agreement of cooperation of identity theft claims and it too notarized. I received this form from www.myeddebt.ed.gov ( addressed to US Dept of Education -   XXXX   XXXX   XXXX    XXXX , TX  XXXX  ). This loan has been placed with a collection agency, who is reporting it on my credit reports. I 've also contacted the  XXXX  major credit reporting agencies asking them to remove and was told the debt has been validated by US Dept of Education. I 'm now being told by   XXXX   to provide my driver 's license and social security card and bills with my signature to prove this is not my signature. I feel I 've provided everything that has been asked of me and the debt has yet to validated made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I wish to file this complaint against US Dept of Education/ XXXX , Trans Union,  XXXX  and  XXXX  for reporting inaccurate data.
Product: Credit reporting or other personal consumer reports

Disputes made through XXXX, XXXX, Equifax. Several issues were items reappear. XXXX not doing proper investigations for disputed items. List of items : XXXX XXXX {$1000.00} XXXX {$990.00} paid and closed Possible : {$300.00} XXXX XXXX  {$3300.00} The retails merchant association. {$1300.00} These items have not been properly investigated and I haves asked the company to remove numerous of times
Product: Credit card or prepaid card

Citi bank continues to let charges go through for a merchant that has already been blocked on a previous dispute. They made me close my account due to the original complaint and sent out a new card. The same merchant was then allowed to charge my new account for some reason. I had to close the account again, and get a new card again. On XX/XX/18 the same merchant was allowed to charge my account again! This is the third card this merchant is allowed to continue charging on my account and Citi continue to provide them with my information. How is this legal for a credit card company to give my new information to a merchant without my consent. Calling Citi card for any assistance is nightmare. It takes multiple transfers from rep to rep because the people answering phones refuse to listen or do any critical thinking, and instead follow a flow chart and script. Today I spent XXXX minutes on the phone only to get nowhere because of the same problem that the representatives don't listen.
Product: Checking or savings account

Over the past week, I have been trying to. Gain access to my new wells fargo account. 

After a recent separation My card was mailed to a previous address. I have been trying to update account information. Order a credit card order checks and order a checking card through. Wells fargo for the past week. I have been there an average of once a day for the past week. As of this morning, after repeated attempts to either call in, go online, use mobile, or visit in person, my most recent visit concludes as follows : Although I just sat down with a banker yesterday to resolve these issues and they have not been addressed, i was told to go home and finish online. I was not able to complete online or mobile or via the phone. I was not able to close my account due to a banker not being available. This morning. I am not prepared to waste any more time with Wells. Fargo employees when i have clearly communicated my wishes and jumped through a myriad of hoops at wells fargo 's request, but to no avail. They now tell me that because have withdrawn the funds from the checking account. They will not close for me. Then I will be charged maintenance fees on an account.They will not close for me. This is unacceptable and predatory practice, typical of a large bank. Having already been in hot water for similar issues.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I NOTICED THIS ISSUE IN XXXX INCORRECT INFORMATION NEEDS TO BE REMOVED : XXXX XXXX, 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 XXXXXXXX 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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX, Account number : XXXX, Account Name : XXXXXXXX XXXX XXXX Account number : XXXX Account Name : XXXX, Account number : XXXX, Account Name : XXXX XXXXXXXX XXXX XXXX Account number : 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven year.

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. urate.
Product: Credit reporting or other personal consumer reports

Dear Equifax Information Services LLC, Request for Deletion of Files and Correction of Credit Report I am writing to request the deletion of certain files and the correction of my credit report pertaining to an account that has been deleted. According to the guidelines outlined by the Consumer Financial Protection Bureau ( CFPB ), I am entitled to accurate and up-to-date information on my credit report. 

Upon reviewing my credit report, I have noticed discrepancies regarding the status of an account. It appears that an account has been erroneously marked as active, despite being deleted. This misinformation has adversely affected my credit score and financial standing. 

I kindly request Equifax Information Services LLC to take the necessary steps to delete ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) files concerning these accounts from your database immediately. Additionally, I urge you to correct my credit report promptly to reflect the accurate status of the deleted accounts. 

Enclosed with this letter are supporting documents, including proof of the account deletion and any relevant correspondence with other credit reporting agencies. I trust that this information will assist you in expediting the resolution of this matter. 

As per the regulations outlined by the CFPB, I expect Equifax Information Services LLC to acknowledge receipt of this request within 30 days and to complete the investigation within 90 days. 

Please confirm in writing once the deletion of files has been completed and the necessary corrections have been made to my credit report. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding in resolving this issue. I look forward to receiving confirmation of the requested actions at your earliest convenience.
Product: Vehicle loan or lease

The vehicle was paid off years ago. I am unaware of this debt.i did not have the opportunity to dispute this information.i did not receive proper notification. If in fact you believe I was properly notified send me a certified receipt with my name and city.