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

Subject : Dispute of Unauthorized Credit Inquiries with Equifax and XXXX To whom it may concern, I am submitting a complaint regarding three unauthorized credit inquiries on my credit report. Despite disputing these inquiries directly with the credit bureaus and the entities involved, they have not been removed. 

Below are the details of the inquiries : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these companies to access my credit report, and under the Fair Credit Reporting Act ( FCRA ), these inquiries lack a permissible purpose. Therefore, I request that they be removed. 

To further support my case, I have recently filed a report with the Federal Trade Commission ( FTC ), reference number ( XXXX ), which is attached for your review. 

I kindly request that the Consumer Financial Protection Bureau investigate this issue, ensure compliance with the FCRA, and assist in having these inquiries removed from my credit report. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, I checked my bank app and discovered this disturbing fact. My savings account was invisible, vanished from my online banking statements. My savings account is joint with my husband. 

On Thursday, XX/XX/XXXX, my husband and I went to Huntington Bank. We spoke with a bank teller, who made a phone call to gain more information. We were told that the savings account was closed and they did not know the reason. We were informed that Huntington would send a letter of explanation and a check for the balance in the account. The expected time of delivery was said to be 3 - 14 days. 

I questioned the teller because I believe these are poor business practices. Why didn't the bank call us into the branch to close the account and give me my money? Why is my checking account active? Now that I am unable to transfer funds from my savings to my checking account, I am unable to fund my checking account for ACH auto bill pay transactions. This will cause late fees and overdraft fees that Huntington will need to take financial responsibility for these unnecessary expenses. 

In all honesty, and with kindness, I told the teller I would not work for a company who treats their customers this way. This is like someone robbing you, except its my own bank! I hope she finds a new job with a trustworthy employer. 

Today, we made another visit to Huntington. This time I was told again that no one can explain why the savings account was closed, and Huntington will send a check with a letter of explanation in 30 - 45 days. That is outrageous! I asked would you be this calm if someone told you that your bank account was emptied to a XXXX balance, and they will send you a check in a month or more! With no explanation, the tellers were also confused and unable to help, even after another phone call to headquarters. No one can explain why the account is closed, why my husband and I weren't asked to come into the bank to close and receive the money that belongs to us.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Company abused it's relationship with me to violate FCBA & collect money not due based on a SR22 violation of statute of limitations from 2021 creditor sent account to collections in XXXX when I own my own property
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear XXXX, I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. 8:25-cv-24 ). 

Specifically : 1. Failure to Conduct Reasonable Reinvestigations : XXXX 's responses to my disputes fail to reflect accurate investigations. For instance, despite submitting detailed supporting documentation, the inaccuracies persist without explanation or meaningful resolution. 

2. Failure to Forward Relevant Information to Furnishers : XXXX has seemingly failed to forward all relevant information I provided, which mirrors issues cited by the CFPB regarding XXXX 's neglect in transmitting accurate dispute details to furnishers. 

3. Immediate removal of any inaccurate, incomplete, or unverifiable information from my credit report. 

The items in question are : 1. XXXX XXXX  XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) These discrepancies are causing undue harm to my creditworthiness, and I am entitled to a fair and accurate credit report. According to the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate the accuracy of the information, provide me with the results of the investigation, and correct or remove any inaccurate or unverifiable data. 
Please also provide me with documentation or evidence that supports the information currently listed on my credit report. If you fail to resolve this matter within 30 days, I will consider pursuing further legal action, including filing a formal complaint with the CFPB, as well as consulting with legal counsel for additional remedies. 
I expect a prompt and thorough resolution to this matter and look forward to your reply. 

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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

Complaint about wrongful billing XX/XX/2020 paid bill early wasn't due until XX/XX/2020 took funds from bank account now saying owe double payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a disputed amount listed on my credit report as " 60-89 Days Past Due ''. The subject matter of this report is a fraudulent, unauthorized charge which is the basis of an ongoing dispute with XXXX XXXX XXXX. 

On XX/XX/2020 I filed a complaint with Equifax regarding this incorrect item on my credit report, asking that the status be changed from " 60-89 Days Past Due '' to " Disputed '' which is correct, and I believe required by statute in this case. I supplied details of the ongoing complaint and offered to immediately furnish any and all documents relating to it. 

Equifax has not changed the incorrect entry on the credit report. They have not requested the offered documentation. There has been no reponse of any kind to the complaint, and Equifax continues to carry this false charge on my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to Experian, XXXX, and XXXX. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Vehicle loan or lease

On XX/XX/year> I made the payment of {$900.00} to Ford Credit with the reference to Payment # XXXX, the late company to collect the payment at my bank and my account was hacked and my bank closed my account and I didn't know Ford Credit hadn't collected until the next month and that's why I was reported a late payment of more than 30 days to my credit report, sent proof of the bank what had happened to Ford Credict and they didn't want to withdraw the financial report
Product: Credit card

XX/XX/2024 Syncb/Verizon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : SYNCB/VERIZON ; Amount : {$1700.00} To whom it may concern : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act ( FDCPA ( section 1692g ). 
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and /or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDCPA and the Fair Credit Reporting Act. 
I look forward to hearing from you about this specific matter via mail. Please send written communication to the address listed below. 
Sincerely, __________________ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX cc : Syncb/Verizon Please note that XXXX XXXX  XXXX XXXX Code 2-190 require all debt collectors to send specific written documentation verifying the debt. These include : o Proofofmyagreementtopaytheoriginalcreditor ; o Acopyofthefinalaccountstatementissuedbytheoriginalcreditor ; o Abreakdownofthetotalamountdue, showingprincipal, interestandothercharges ; and o Forallothercharges, thedateofandbasisforeachcharge. 

Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX and Worker Protection
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the CRAs in XXXX regarding a dismissed bankruptcy on my credit report. They responded that they verified this information with US BKPT CT PA  XXXX and/or USBK COURT WESTERN PENNS . I found this is who they were verifying the information with because at the bottom of my credit report it lists all of the CREDITORS that they get/verify their information with. I contacted US BK CT of Western Pennsylvania via certified mail ( XXXX  ) and received a letter from them stating that they do NOT provide information to the CRAs they also stated that they do NOT have a relationship with the CRAs. So to my confusion how are they listing this entity as the CREDITOR? If one they do not report this information, two they are not creditors ( A creditor is a party that extends credit or lends goods, property, services, or money to another party known as a debtor. The credit made through a legal contract guarantees repayment within a specified period as mutually agreed upon by both parties. The amount lent to the borrower may be subject to an interest rate, depending on its size and the lender. A creditor takes various measures to secure the loan amount if the debtor turns defaulter, like requiring collateral and placing liens on it. Creditors can be classified as secured or unsecured. ) Bankruptcy Courts are not creditors they do not loan money to anyone they do not extend credit or lend goods, property, services, money to any consumers, but yet that is who the CRAs are stating " VERIFIED '' the information on my CREDIT REPORT??
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax 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, Equifax '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 against the company for similar violations. I request that Equifax be held accountable for failing to meet its obligations under the FCRA and CFPA. I am seeking a full investigation into this matter, correction of the inaccuracies on my credit report, and any applicable remedies for the harm caused by their noncompliance. Additionally, I urge regulators to ensure Equifax implements appropriate measures to prevent such violations from occurring in the future. 

These are the accounts that I have disputed as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

immediately Following 2 yrs of unemployment, I Started working as an XXXX at a local XXXX XXXX  with a hire/start date of XX/XX/XXXX. My husband and I had just filed our joint income tax return for XX/XX/XXXX ' approx XX/XX/XXXX and was supposed to recieve our federal refund within 7-10 days. Approximately 13 days in, and have n't heard anything so I call the IRS and that 's when I realized our return was intercepted by Pheaa. It was n't until 4-5 days after this that i received notification via hard copy from the Irs. restating the interceptor/debt collector also identifying itself as pheaa. I was never informed by pheaa that my acct was in collections to begin with. I had ben given forebearances/deferments but never recieved notification of default. I contacted pheaa to inform them I had just started employment a couple weeks prior following 2 yrs of unemployment. According to their policy, they would n't seek further collections until i have ben employed for a continuous 12 months. So I would call back and set up payment arrangements when it got closer to the 1yr mark with my new found employer.. Well due to a protected Right, I was terminated from employment, having working my last day on XX/XX/XXXX, they suspended me and actually gave me a termination date of XX/XX/XXXX ( wrongful termination ) I never found employment until i found employment with a actual hire date of XX/XX/XXXX ( being unemployed for another 3 months ) I recieved my first pay check beginning in XX/XX/XXXX, and pheaa, without notification or informing me, had illegally began a wage garnishment on my paychecks not to mention by income tax return of {$5000.00} from back in XX/XX/XXXX that was mostly my husband because w filed jointly and he did no t owe debt.. I never knew that i could dispute the wage garnishment until XX/XX/XXXX. where i Had to send appeal to this attorney law office squire guy, for with my reason for appeal being checkmarked '' I was n't employed for a continuous 12months ''. Provided that I provide evidence that i had not ben employed for a continuous 12 months in order for them to stop wage garnishment. I provided them evidence from my current employer, where they confirmed by hire date of XX/XX/XXXX, and included everything for this wage garnishment to be stopped and this XXXX XXXX ( dcider of case ) was in favor of pheaa. I had proof of everything and i do n't actually think this XXXX XXXX looked at ... Them make matters worse, XXXX XXXX ordered pheaa to take 10 % of my monthly wages and they are taking double that out f my wages '' I make $ XXXX  month and they have ben deducting approx $ 400-560 a month
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated    XXXX   XXXX   2017   I  mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit card or prepaid card

I reached out to iXXXX XXXX once again to resolve this issue, but they had closed my account. I was behind on payments bc of the COVID-19 outbreak and it shut our company down. They assured me they wouldnt add any interests or close the account. I was able to make a payment and then when I reached out to them to pay the balance in full, they ahead closed it and turned my account over to Associated credit services. They sent me a letter asking for payment but the damage to my credit was already done. Now I have a charge-off on my credit report bc XXXX XXXX  refused to work with during these hard times.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : DEPT OF EDUCATIONXXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 23rd 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 an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have been illegally billed by an XXXX XXXXXXXX XXXX XXXX XXXX XXXX' for XXXX 's of dollars. The most recent charge is {$190.00}. I was never mailed notice as required of this recurring charge. CitiBank will not assist me. XXXX XXXX is in violation of local, State and Federal Laws. Automatic renewal is one of the critical areas in consumer protection and notice is required. I have had no notice. Citibank is not responding properly to my fraud request saying this is not fraud when it clearly is fraud. THERE was no notice. That is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I pulled my credit report after having identity theft I notice hard inquires on my report that I never applied or have any knowledge of. On XXXX XXXX XXXX  I sent a certified mail letter to a company called Comenity Bank Forever 21 regarding this unauthorized inquiry to my consumer report that took placed on XX/XX/XXXX which they are in violation of the fair credit report act ( FCRA ) CODE : 15 U.S.C 1681. Without my authorization. I have not initiated any transactions with this company and I do not have an account nor have I benefited from this company as defined under code 15 U.S.C 1693a ( 2 ) with Comenity Bank Forever 21. Furthermore, under the FCRA Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years or both Code 15 U.S.C 1681n ( a ). I was willing to settle this matter without any admitted liability. However, I not received back a response from Comenity Bank Forever 21. Nor have I received any validation with my hand written signature on it, Im seeking the removal of this inquiry from my credit report due to fraudulent activity that has been took placed.
Product: Credit reporting or other personal consumer reports

I bought an XXXX laptop from the XXXX website and I applied for a credit card. Within XXXX minutes of placing the order I canceled it as I got a better price from XXXX XXXX. However, XXXX said I would have to tell the XXXX XXXX I would not accept the package and to have it returned. 

I never accepted the computer, I never purchased anything on the credit card yet they claim I have a late payment which is impossible since I never accepted it and XXXX received the computer. 

I have a late payment on my XXXX credit report.