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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Subject : Formal Complaint Failure to Investigate Disputed XXXX Account To Whom It May Concern, I am writing to formally express my dissatisfaction with Equifax 's handling of my dispute regarding an incorrect XXXX account that does not belong to me. Despite my complaint submitted through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year> ( Case No. XXXX ), Equifax failed to investigate or provide any resolution concerning this account. 

Equifax 's response only mentioned the deletion of unrelated inquiries from my credit report but did not address the primary dispute regarding the fraudulent XXXX charge-off. This failure to properly investigate and verify the accuracy of the information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, I have the right to dispute inaccurate or unverifiable information in my credit report, and Equifax is legally required to : Conduct a Reasonable Reinvestigation ( 15 U.S.C. 1681i ( a ) ) Equifax must conduct a reasonable reinvestigation of disputed items. Failing to address my dispute regarding the XXXX account suggests that Equifax has not met this legal standard. 
Provide Verification ( 15 U.S.C. 1681i ( a ) ( 2 ) & 1681s-2 ( a ) ( 1 ) ) If a credit bureau continues to report disputed information, it must obtain verification from the original creditor and provide evidence of its accuracy. Since Equifax has not provided any documentation proving that the XXXX account is valid, it must be removed from my report. 
Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax has an obligation to report only accurate and verifiable information. Reporting a fraudulent account without verification violates this provision.

Remove Unverified Accounts ( 15 U.S.C. 1681i ( a ) ( 5 ) ) If Equifax can not verify the XXXX account within the legally required timeframe, it must delete the information from my credit file. 
Additionally, Equifax 's failure to properly investigate this dispute may also constitute violations under the Fair Debt Collection Practices Act ( FDCPA ) and potential negligence in adhering to Consumer Financial Protection Bureau ( CFPB ) regulations regarding dispute resolution.

I am demanding the following immediate corrective actions : A full and complete reinvestigation of the disputed XXXX charge-off account. 
The removal of the XXXX account from my Equifax credit report if it can not be verified with sufficient documentation. 
A written response detailing the actions taken to resolve this matter. 
If Equifax fails to comply with my request, I am prepared to escalate this complaint by filing a dispute with the Federal Trade Commission ( FTC ), CFPB, and state attorney generals office and, if necessary, seek legal action for Equifaxs noncompliance with federal law. 

I expect a response within 30 days from the date of this letter, as required under the FCRA. Please contact me in writing at the address listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified experian several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Product: Student loan

the account shows missing payments and delinquent. That is not the case. The Account is current and has been current.
Product: Bank account or service

Hello, I 've been banking with Fifth Third for most of my adult life. It 's been a tumultuous relationship at best, but I 've always stayed because I had automatic deposits and withdrawals setup. On Saturday, I made a deposit to my checking account via a check that I had received. I very rarely deal with checks anymore because so many things have become automated and/or done on the internet. The check was from XXXX refunding me fees erroneously collected when I had my mortgage setup on the equity accelerator program. The deposit ticket clearly stated the funds would post to my account on XXXX. According to the transaction history in my bank account the funds did clear and post on the XXXX. Today when I went to check my balance I noticed an overdraft fee for {$74.00} dated XXXX which was causing my account to have a negative balance. I immediately called 5/3rd and spoke to a bank teller named XXXX who became exasperated with me and transferred me to XXXX the bank manager. He blamed the problem on me and intimated that I should have known better since I went to the bank on a Saturday. Most banks do n't have full hours like 5/3rd does on weekends. They wo n't refund the fee and they ca n't explain why my transactional history does n't jive with what they are telling me verbally. I 'm very upset. 5/3rd has continuously made money from fees by pyramiding or assessing overdraft charges when I 've had money in my account pending or otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account on many occasions with Equifax, XXXX and XXXX  and each time it comes back as Verified. 
Creditor reports Date of Last Payment XXXX2016 payment history has No Reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has received years of payments and has not reported them. When I called they said they had no history of an account for me. However they continue to report derogatory information on my report. I am not sure where the money went so I stopped paying it but at this point I will like it to reflect my payment and remove the negative information. I have proof of payments also.
Product: Credit card

The account is invalid AmSher Collection Services , Inc. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. AMSHER COLLECTION SERV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTIMG ACT ONEMAIN ACCT XXXX HAS VIOLATED MY RIGHTS 15 USC 1681 SECTION 602 : STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISHA ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR PURPOSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank hit me with a 30 day late payment on my credit report after they failed to draw payment from the correct account. I have three credit cards, and had one mortgage with the company. All of the automatic payments were set to draw from my Chase Checking account ( *XXXX ) for an easy payment process. One of my credit cards was being paid manually, and I set it for automatic payments in XXXX. Chase tried drawing the funds from a XXXX account that I had closed in XX/XX/2019, instead of my Chase Checking account like they were supposed to, and where all of my accounts have been set up to draw from. The bank has placed blame on me for their error. I have never missed a payment, and I had a credit score above 820 before this happened. The mistake was Chase 's, but they refuse to correct the error on my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I received a deposit of XXXX from the irs treasury and I wasnt Aware of receiving it. At that time I was in a relationship and he had took my phone when I was sleep. Chime will not investigate the cameras to see who was taking the money off. I was cheated. Now if I wouldve just keep my deposits with XXXX Im sure this would have not happened. I want my money back and I want a proper investigation of cameras to prove my point. And if Im wrong Im wrong.
Product: Debt collection

Source receivable receivables recovery XXXX XXXX XXXX, from address XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX is aggressively attempting to collect $ 1220+ for the XXXX for collection AND REPORTED A COLLECTION ON CREDIT REPORT TO CREDIT BUREAUS FOR THE ACCOUNT THAT DOES NOT BELONG TO ME .... Numerous attempts to contact them via phone or mail only resulted in aggressive demands for personal information and demand for banking information and nothing from them validating this account nothing to prove that it belongs to my name to my social. Source Receivable keeps calling me XXXX XXXX but my name is XXXX XXXX NOT XXXX .... this is NOT ok ...
Product: Debt collection

I was already punished for this by my credit.

A third party bought the debt Lvnv funding. And sent the police to my house as a scare tactic and freaked me and my children out. Ive never been in trouble by the police. I have never had them serve me anything. This is wrong. They never provided wet signature or contract or anything where I agreed to release my data and information to a third party or proof the debt is mine.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized/fraudulent inquires on my XXXX and XXXX and Experian report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that is being reported. I initiated a dispute on last year and even contacted the company of XXXX XXXX XXXX who is reporting the account. They assured me the account was in error, but it still remains on my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours 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, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX XXXX 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
Product: Checking or savings account

I was supposed to receive two payroll related direct deposits today ( XX/XX/XXXX ), into my Capital One checking account. Yet, as of XXXX XXXX XXXX XXXX I neither have received the payments nor have received any communication from the bank other than a generic message. While I am fortunate to have enough liquidity to cover my expenses and other obligations, many other customers of Capital One may not be so fortunate. This is unacceptable and does not appear to be approaching resolution.
Product: Credit card or prepaid card

I am filing a complaint against Self Financial Inc. for violations related to IRS tax reporting requirements on the property. 

I was the lender to Self Financial Inc. for credit associated with account. In tax year 2022, I acquired and took possession of property abandoned by Self Financial Inc. that was collateral for the account.

As the borrower, Self Financial Inc. should have filed IRS Form 1099-A to report my acquisition of this secured collateral property, but they failed to do so. This violates IRS regulations requiring borrowers to file Form 1099-A when lenders take possession of collateral property through acquisition or abandonment.

Additionally, Self Financial Inc. failed to properly adjust the account balances in the amount of {$1200.00} after I acquired the abandoned collateral property. This results in improper reporting of the debt obligation and has the potential for tax fraud if they are avoiding cancelled debt reporting. 

I have enclosed documentation showing my lawful acquisition of the property abandoned by Self Financial Inc. that should have been reported to the IRS using Form 1099-A. Their failure as the borrower to file this form represents a violation of IRS reporting rules and an unfair and deceptive practice.

I request that the CFPB investigate this complaint against Self Financial Inc. for failing to perform their duties and take appropriate action to compel them to comply with IRS regulations on reporting foreclosed collateral property. Consumers should not be harmed by such violations of proper tax reporting requirements. Please notify the proper authorities within IRS of Self Financial Inc blatant and willful negligence regarding with tax matter and potential tax fraud.

Please contact me if any additional documents are needed regarding this complaint. I look forward to your prompt assistance enforcing these important consumer protections.
Product: Debt collection

I, XXXX XXXX have struggled just like every other self-employed person during the Covid-19 Pandemic, especially when the XXXX of Massachusetts was closed down for over six months. However, I intend to pay off all collections against me and at this time I am requesting settlement offers with a 4-month payment plan. If reasonable offers are made, I or my wife will call in the necessary check by phone information to bring all settlements to a conclusion. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted dispute letters to Transunion and XXXX  and to date I have not received any response back from them in the mail. I also submitted demand to comply letters to the bureaus via certified mail and have heard nothing back. My disputes were sent early XXXX and my Demand an comply this month. I demand these items be removed from my file because at this point its a violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19, I received a notice from XXXX  that they would no longer be investigating 7 accounts that are incorrectly being reported on my credit report. According to XXXX, XXXX bank is being listed as holding seven accounts of mine. After repeatedly asking both XXXX and ALL THREE of the credit bureaus for proof that a relationship between myself and XXXX bank existed, no one responded. Finally, on XX/XX/2019, I received a response from XXXX bank claiming that they were unable to identify the accounts being disputed. I sent this letter to all three bureaus, yet, no action to remove these wrong, negative accounts occurred. I then called XXXX Bank who confirmed that they had no idea what I was talking about, and referred me back to the bureaus. Although XXXX brought this to my attention, XXXX, XXXX and Equifax are all reporting this incorrectly. Attached are the following documents : 1. The dispute letter asking for validation or signed agreement between XXXX and myself. 
2. Their response, informing me that they were not able to identify the accounts being disputed. 
3. The list of all seven accounts on XXXX, clearly showing that XXXX Bank is reporting this information. 
4. Another shot from XXXX showing that they are reporting late payments, despite me never having a debt to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I first want to thank you for taking the time to read this letter. I recently pulled my Experian credit report and discovered I have a late payment I had a medical emergency that I was in the hospital due to XXXXXXXX XXXX  which impeded my ability to make an on-time payment that during this period I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my recent medical emergency, I had an on-time payment history with you since my account originated. Based on my otherwise spotless payment history, I would like to request that you if possible can u apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. I attach proof showing I was in the hospital for XXXXXXXX XXXX in which I stopped working
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  account begining with XXXX  has violated my rights. 1 5 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 a 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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: Checking or savings account

On the date XX/XX/year> I expected my direct deposit as usual but this time I was expecting in the Sofi account, gladly my direct deposit arrived in my Sofi account total {$3000.00}. 
A few days later I realized my Sofi account was frozen. And they were notice of me having to call them which they provided me the number on the Sofi app, I called XXXX times in a week. 
The other time I asked the customer service representative that what was wrong they couldnt come up with any concrete explanation or answers. I was only told to stay on but up till now its been a month and counting no solutions, bills are up on me Im getting embarrassed because I have to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT This happens to be an ongoing issue that has been happening since XXXX almost XXXX year now of being scammed and my credit card charged over {$6000.00} that this guy XXXX who claims he was a XXXX representative who scammed me out of {$6000.00} plus money from my credit card in which I refuse and will not pay because XXXX is what he told me his name was scammed me. I have been going back and forth with XXXX about this and how this has affected my credit which my credit was High XXXX 's, now it has dropped to XXXX 's. I spoke with the Executive Office of XXXX ( XXXX ), he opened up another claim for me in which I gave him a little more information. Once again I am not paying this amount that was charged on my phone in which this XXXX person had me download this app in which he entered my phone and was able to navigate through my bank informing. His initial attempt was to help me get {$500.00} back from someone that I was scammed from XXXX a month earlier, I was scammed XXXX  times within the same month {$500.00} and also this {$6000.00} plus which I am not paying that at all, I can not afford that why would I wire something somewhere I have no idea who these people are. I have texts from this person who did this to me telling him I hope you are not scamming me, all I want is my {$500.00} back ( Fake XXXX representative ). Who turned XXXX into over XXXX. Once again I will die oweing this money because I do not have XXXX to pay anyone PERIOD. I am not going to give up because I was Frauded and scammed and I am living from check to check. I can not afford to pay something that I did not authorize. Now the charges are up to {$10000.00} and some change from all of the late fees etc.that are occurring. Once again I will not pay this amount. At all. XXXX in XXXX nj rather all banks should have sympathy for people that go through this. I will keep this ongoing because I am not paying and will not pay. 
XXXX whoever this person is his phone is still ringing and he is still answering the calls and probably is scamming more people. XXXX is his number. Do people really think that someone would say they was scammed just to say it. Not me I have attempted numerous times and I am not giving up at all until justice is served. And I have texts to even prove back and forth talking with this stranger. Scam artist
Product: Debt collection

I received a phone call from this company, Portfolio Recovery Associates , LLC. back in XX/XX/2022. They stated they were a debt collection company. I asked for what debt? They couldn't tell me without asking for my personal information. I provided the basic info, enough for them to tell me who they were. I had never heard of them or the alleged debt that I allegedly owe. They claimed that I owe them, {$1200.00}. I asked them if they have a signed contract or promissory note from me stating I owe them, They said that it isn't required and that I owe them the money. I stated that if they do not have a piece of paper with my signature on it stating that I owe them, then I do not. I then proceeded to hang up. They then in turn have called me daily at minimum 6 times a day, never leaving a voicemail. I have no knowledge of this alleged debt and they will not stop harassing me. They have numerous times asked me for more information before they would investigate or even consider investigating. This is in clear violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was deleted but reinserted into my credit files with experian and XXXX   without notifying me whatsoever, in violation Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days
Product: Credit card

I have an open balance transfer with Bank of America, on my credit card. Due to the promotion, it will not accrue interest until after the original promotion period. However, the BofA website does not provide this information in any meaningful way. It is opaque and designed to confuse customers so that they are not informed of the deadline, at which time they will face an XXXX  amount of interest. This is absolutely XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about my score decreasing from 1 day to the next by 42 points. There were only 2 changes on my report which were balances decreasing which is a positive. I have a XXXX and a XXXX on 2 other bureaus and Equifax knocked me down from XXXX to XXXX. My payment history is 100 % across all my accounts. My ratio is abount 45 %. After verifying all my identity criteria I was told by a representative that they did not know why it happened and could not correct anything. Told me to hang on for a supervisor and I stood on hold for along time before being disconnected. That type of drop usually occur with a late payment or something dramatic happens. I don't know if someone opened up any accounts in my name and do not see anything on my credit reports from other bureaus. They first told me I can pay for credit counseling. This is going to kill my interest rates at a time when it took me a long time to get things corrected. I feel they are trying to scam me into buying other products in order to talk details with me or since I am part of the settlement they are discriminating against me.