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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX FL XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Re : Request to Block and Delete Fraudulent Accounts due to Identity Theft under 15 USC 1681c-2 ( a ) I am writing to inform you that I am a victim of a data breach which has led to the theft of my personal information. Due to this breach, fraudulent accounts have been opened in my name without my authorization.

Pursuant to 15 USC 1681c-2 ( a ), I am formally requesting that Equifax block and delete all accounts identified as fraudulent from my credit report. Enclosed with this letter are copies of my identity theft report and other supporting documents required to verify my identity and to assist in the resolution of this matter. 

I request that you respond to this letter confirming the blocking and deletion of the fraudulent accounts from my credit report within the statutory timeline provided by the Fair Credit Reporting Act ( FCRA ). I further request a free, updated copy of my credit report once these changes have been made, to ensure accuracy. 

This letter follows my repeated attempts to dispute the following account ( XXXX ) on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please find attached : XXXX. A copy of my government-issued ID. 
XXXX. A copy of the identity theft report. 
XXXX. Copies of relevant documents proving the accounts are fraudulent. 

Thank you for your prompt attention to this serious matter. I expect your immediate action in removing the fraudulent accounts. 

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

I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XXXX of 2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.
Product: Debt collection

In 2014 I identified fraudulent activity on my credit. I submitted complaint to FTC ref # XXXX, CFPB complaint as well. I am continuing to get notifications regarding this incident from TSI ref # XXXX as well as XXXX XXXX XXXX ref XXXX. This is all in reference to a fraudulent account opened with XXXX ref # XXXX. I though this was all resolved, 9 years later still haunting me.
Product: Debt collection

This is a violation of my Hipaa Law Right they recieve my Personal medical information and claim they work with the XXXX XXXX  attach is the letter along with the information they received from the XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was charged {$4400.00} on my then owned HSBC Bank Debit Card. The charge was from the merchant XXXX XXXX XXXX XXXX. I contacted HSBC immediately about the fraudulent charge on my debit card. They reversed the charge opened a dispute and issued me a temp credit while they investigated the matter. I was issued a new debit card and was told by a rep that i needed to wait 60 days for the outcome.During the dispute they allowed XXXX XXXX XXXX XXXX charge the new debit card two additional times in the amounts of {$2200.00} and {$220.00}. 
After the dispute was resolved HSBC withdrew the temp credit, saying that XXXX XXXX A Car provided documentation proving that I had rented a car and was liable. 
I requested that HSBC send me the documentation that they had as proof. Upon receiving the documentation ; the documentation didn't not contain My Name, Identification or Signature. It had a completely different name, ID and signature. I contacted HSBC immediately to make them aware that the documents they had as proof didn't contain my Name, I.D, or signature. Another dispute was opened and I was told to wait another 45 days. At the end of that dispute I was still held liable. I was told by HSBC to contact XXXX XXXX A Car to have them reverse the charges. When I contacted XXXX XXXX XXXX XXXX they told me they didn't have any account with my name so there was nothing to reverse. 
I have contacted HSBC dozens of times about this matter. But have been unable speak with anyone who can resolve this matter. I even was promised to be contacted back dozens of times. And to date I still haven't received correspondence. 
On XX/XX/XXXX I received a debit collection letter from XXXX XXXX XXXX XXXX to collect a debit on behalf of HSBC in the amount of {$6700.00}. This debt is Fraudulent and there is current court proceeding that has been pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX telephone number not available on behalf of Rosebud Lending XXXX XXXX XXXX Box XXXX XXXX SD XXXX telephone number not available I never heard of them and never contacted them ever in my life. The date it showed up on my XXXX XXXX report is XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with Equifax, XXXX, and XXXX on XX/XX/2023, XX/XX/2023, and XX/XX/2023 and have not received a response. As a result, they are in volition of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

As of XX/XX/XXXX I have not received a response from Lamont Hanley & Associates including a history of the account and whether you are licensed in California to pursue these types of debts. Furthermore, you have continued to contact me by phone ( most recently on XX/XX/XXXX ) after I have requested that you only contact me by mail. Both the failure to respond to my XX/XX/XXXX debt verification letter and the continued contact by phone constitute a violation of the FDCPA and I have taken steps to report you to the CFPB and our California State Attorney General for harassment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute two inaccurate accounts listed on my credit report : XXXX XXXX XXXX Account Number with a balance of {$21000.00} I am not the owner or personal guarantor of this account. 
XXXX Account Number : XXXX This account is inaccurately associated with me. 
I have already filed an FTC Identity Theft Report, which I am including as supporting evidence. Under FCRA 605B [ 15 U.S.C. 1681c-2 ], you are required to block these accounts from my credit file within four business days of receiving this report and my request.
Product: Credit reporting or other personal consumer reports

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX  XXXX  inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX, XXXX XXXX XXXX  inquiry date XXXX XXXX XXXX  inquiry date XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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.

Equifax 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24 I signed up to receive a same day cash advance loan On XX/XX/24 funds were dispersed ( late ) On XX/XX/24 I made a formal request to close the account. I also made an attempt to repay the loan in full, but ~ {$42.00} of interest had already accrued by this time and payment online wouldnt go through. 

On XX/XX/24 I received a reply to call in to customer service. 

I called, but customer service was unavailable on Sundays. 


Today XX/XX/24 I called to discuss the matter as I thought payments would stop after the amount owed was reimbursed. I was told the only way I can get out of the contract is if I pay an additional amount more than what was loaned ( XXXX ).
Product: Credit reporting

There are several inaccuracies on my credit report that I thought I clarified with documentation. I had sent, copies of divorce papers, police report and copy of my dl, and the credit reporting agencies still have not updated my accounts. 
Furthermore there were XXXX fraudulent addresses on their reports of places I have never been, accounts I had never opened. They ignored the updates to my file. These errors affect my life, I am on a fixed income and every point in this system, which I am at their mercy to counts by the dollar. I want all of them held accountable for their mistakes. I do not want to lose my house because they do not scour the information like they claim.
Product: Credit card or prepaid card

Ive been trying and getting my credit card converted back to no annual fee credit card and Ive been getting too many run around and I was told that I have to wait for a least a year for that and promise I would get my annual fee refunded and second Ive been charged lots of interest on my credit card ending in XXXX while Im in COVID-19 program and Citi doesnt waive these fees and Im close of ending my credit limit and  Ill get charged about XXXX dollars worth of interest from XX/XX/2020 to XX/XX/2020 and Citi isnt helping me and looking out for customers and Im slowly trying to pay off this credit card so I can move on with my life
Product: Credit reporting or other personal consumer reports

Equifax has XXXX XXXX with the account number XXXX listed twice on my credit report. One listing shows its a charge off with a XXXX balance and closed and a date opened of XX/XX/XXXX account type is revolving and a XXXX dollar credit limit, the duplicate account listed with account number XXXX shows a XXXX balance and pays account as agreed and closed with a original balance of {$100.00} opened on XX/XX/XXXX. This is inaccurate. Experience has XXXX  same account with XXXX XXXX with XXXX balance and a acct charge off of XXXX dollars. I want these accounts removed from my credit reports because there are duplicate accounts of the same account on equifax credit report and inaccurate info on all of the credit bureaus reports that contraindicate each other. AlsoEquifax is listed a creditor that goes by XXXX XXXX XXXX that lists a balance of XXXX with an opened date of XX/XX/XXXX and with no payment history. A debt company bought this debt and the balance is wrong and there is XXXX payment history. This is innacurate information on XXXX  report it is listed as XXXX  with a entirely different account number and inaccurate info no payment history and the balance is different. When a debt agency bought this debt that changes the amount that is truly owed as well all of it is wrong and I want this removed from my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 inadequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat 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, credit repair services, or other personal consumer reports

The lease was paid in full at the end of 36 months. After we dropped off the car and was told that everything was done, four months later Honda contacted us to tell us that we owed a drop off fee. This was never disclosed at the actual drop off of the car. When it was brought to my attention, we immediately paid the bill. Honda never mailed us or called us to bring to our attention that we owed anything until 4 months after the actual drop off of the car. Ever since then, Honda has wrecked havoc on our credit. Saying we missed 4 months of payments. Then saying we was late 90 days twice in two different years. If you check our accounts, we had a perfect payment history with them on three separate accounts. Even now on our experian accounts, the account in question shows paid in full 100 % on XX/XX/2018 followed immediately by a 90 late accusation. We've asked Honda to fix this and filed disputes with the credit agencies to no avail. All Honda does is keep misreporting and affecting mine and my wife 's credit. Please remove this erroneous blemishes from our credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

citizen One Home Loans incorrectly reported my XXXX mortage payment as late when they, in fact, had the payment and posted to a suspense account. They then reported my mortgage payment as 30 days past due to the credit bureaus. I have contacted them every workday since XX/XX/XXXX, when they had they payment and recognized they did, but they can't fix their system. It continues to show the mortgage as 30 days past due. 
From what this looks like it is a systems prblem as everyone I tak to at the bank says it is not late, bu they can't fix it they need to wait for the system to work through it. Meanwhile every other creditor we deal with is getting nervous and contacting us.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX - XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent INQUIRIES in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these INQUIRIES. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE HACKED MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED
Product: Debt collection

The XXXX Rewards Visa card by Chase is a card that I had during my time at XXXX school. The last time that I used this card was in XXXX. Any and all outstanding debts were paid at that time. However, since the summer of XXXX, every year, Chase claims that I owe an amount in the range of XXXX for the card. On numerous occasions, over the course of the past XXXX years, I have requested that they provide verification of the debt, that they cease and desist in any and all debt collection activities, including the numerous intrusive phone calls that they sent via numerous different numbers, and requested that as per the federal Fair Credit Reporting Act that they inform the XXXX major credit reporting bureaus that the information that they provided them was either false or misleading, and to remove said information from my permanent credit record. In addition, I had my personal attorney contact them, and have them cease and desist in all attempts to contact me by telephone. 

This is a recurring problem, that happens every year. There is no way that I could have accrued this debt as I have not used the card since XXXX, I have not received an updated card in years, and I have informed them each and every year that the debt is not valid and has not been accrued by myself. Irrespective of this fact, however, the collection activities persist.
Product: Checking or savings account

Netspend blocked all use of my debit card XX/XX/XXXX - XXXX 2024 on the purported reason that they wished to verify activity on the card but my calls to them were transferred to their risk management department and were all unanswered. The company refused to call me back during this period or reply to emails identifying the activity or transaction in question that they wished to verify despite numerous emails and calls to them seeking clarification about this. If there was genuinely a concern about any transaction, Netspend would have been able to identify this activity and communicate it to me within hours not days but given the fact that they refused to do so, I am inclined to believe their intent was to frustrate use of the funds on the card. It should not noted that not only was use of the debit card blocked for online or other sales but I was unable to view the account online as they had blocked online access and was further unable to make any withdrawals at ATM locations. No customer would be prepared to accept this from a financial institution and they have proven themselves to be an unreliable company and have caused significant inconvenience and disruption. It is difficult to know if Netspend is also concealing credits to the account as they seem to block the account every time a credit is made to the account. To make this situation even more ludicrous and to confirm the deliberate nature of their conduct, Netspend has again blocked the account ( use of debit card and online access to account ) XX/XX/XXXX and despite further calls and emails to the company yet again, they have refused to clarify the activity they are purportedly seeking to verify and have left the issue unresolved and the card blocked for the last XXXX days despite calls and emails to the company and my reassurance to them that there were no unauthorized transactions or other concerns.It is hard to escape the conclusion that Netspend is deliberately seeking to frustrate access to funds on the account, conceal activity or is reckless in doing so.
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XX/XX/XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XX/XX/XXXXAccount XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX : XXXX XXXXXX/XX/XXXX Account XXXX Account Name : XXXXXX/XX/XXXXAccount Number : XXXX Account Name : XXXXXX/XX/XXXX Account 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 sectionXX/XX/XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take 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 XXXX years. 

XXXX U.S.C. 1681s-2 ( A ) ( XXXX ) 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.