23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

A plethora of fraudulent transactions occurring through my debit card with Ally Bank, which I have in my possession. A total of 3 fraudulent transactions, totaling about {$340.00}, all within one day being XX/XX/2022. I can only assume poor security on the bank 's part, seeing that this has effected most of their customers but haven't seen complaints with other banks. Called in to report the fraudulent activity, waited 2 hours on hold, was able to speak to someone who cancelled the current debit card and issued a new one. However, there was no recommended action to either wait to activate the card until the issue is resolved or permanently lock the card until the issue has been fixed. Just " here ya go, a new card, good luck with the fraudulent activity '' type of response. I filed disputes on the fraudulent charges with the bank and am waiting to see what happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX P.O. XXXX XXXX XXXX XXXX Texas XXXX. I had an account with them which paid on time and paid off XXXX XXXX. XXXX XXXX they randomly sent me a check. I thought it was a bill. I called they assured me insurance over paid and sent me the check. I said I threw it away. They sent another I cashed it. Since I called in XXXX as they were then charging me for the XXXX checks. Only cashing XXXX and stated it was over payment. She assured me it would be taken off. Instead its now from XXXX dollars and something to XXXX and on my credit. I want this off as I paid off the account in XXXX. I was in good standing and this is some type of scam. I called again and they are rude and yell at me when i sit on phone for over XXXX minutes. Score down XXXX over XXXX points.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Failure of Equifax to Conduct Investigation and Violation of 15 USC 1681 EB and 15 USC 1681 I5 A Dear Sir/Madam, I am writing to formally file a complaint regarding Equifaxs failure to conduct a proper investigation into the disputes I raised and its violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 EB and 15 USC 1681 I5 A. Despite providing clear and compelling evidence that supports my claims, Equifax has not only neglected to investigate my dispute properly, but they have also ignored critical proof, thereby continuing to report inaccurate information on my credit file. 
Failure to Investigate : Under 15 USC 1681i ( a ), a consumer reporting agency like Equifax is required to investigate any dispute that a consumer files about the accuracy or completeness of information on their credit report. However, despite my efforts to provide all necessary documents, such as receipts, statements, and other supporting evidence, Equifax failed to conduct a timely or meaningful investigation. I have repeatedly reached out to Equifax and presented clear evidence to rectify the inaccuracies in my report, but they have either ignored my documentation or failed to take any corrective action.

Violation of 15 USC 1681e ( b ) : According to 15 USC 1681e ( b ), consumer reporting agencies must ensure that the information they report is accurate. Equifax has not met this requirement by allowing inaccurate information to remain on my credit report, even after I presented proof demonstrating the errors. As a result, my creditworthiness has been affected, and I have suffered financial harm. 
Unjustified Inaction and Continued Violations : Despite my repeated attempts to resolve this matter directly with Equifax, they have neither updated my credit report nor explained the steps they have taken to address the dispute. This lack of action on their part is a violation of my rights under the FCRA, and I am seeking assistance from the CFPB in ensuring that Equifax complies with the law and takes the necessary steps to correct these violations.

Resolution Requested : I respectfully request that the CFPB investigate my complaint and assist in ensuring that Equifax complies with the FCRA by conducting a thorough investigation of the disputed items, correcting any inaccuracies, and providing me with the results of such an investigation in a timely manner.

I have attached all relevant documents and correspondence with Equifax for your review. I trust that the CFPB will take appropriate action to hold Equifax accountable for its failure to comply with the provisions of the FCRA and its continued violations of consumer rights. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. 

I HAVE ENCLOSED INDISPUTABLE PROOF OF THEIR VIOLATIONS FOR THE FOLLOWING ACCOUNT : Bankruptcy Individual XXXX
Product: Credit card or prepaid card

I signed up for Care Credit 's credit card. All the correct information was provided on the application form. I was approved, my medical bill was paid by Care Credit, and they accepted payments to lower my balance. For the sake of convenience, I tried signing up for the mobile app. I was unable to. I reached out to Care Credit and they informed me that there was a fraud lock on my account. I dont know why when all the information provided was correct. They sent me out a form to fill out and return to them. This was done twice. Both times the information was correct, but I was told that the information was incorrect and that the from was altered. They would not tell me what was incorrect or how the form was altered either time. I asked if I could confirm my information with a specialist over the phone, online or through the app. They said the only option was to be mailed a form and have it filled out and sent back. I've applied with other companies and this is a very iritating and archaic process that Care Credit is making me go through. The initial application was correct, and there was no reason for a fraud lock. I verified my information correctly, twice, and yet they will not remove the fraud lock on my account.
Product: Credit reporting or other personal consumer reports

Description of the Issue : I am filing a complaint regarding fraudulent transactions that occurred on my business XXXX XXXX ( XXXX ) card. An employee of my business, XXXX XXXX, committed theft by using the company XXXX card for unauthorized transactions. 

Total Amount Stolen : {$36000.00} Description of the Fraud : XXXX XXXX, an employee, used the business XXXX card without authorization to make purchases on XXXX and other online stores, totaling {$36000.00}. These charges were not approved or known by me or any authorized personnel in my company. 

Actions Taken : Reported to XXXX XXXX : Upon discovering the unauthorized transactions, I immediately contacted XXXX XXXX to report the fraudulent activity. Despite providing all relevant details and requesting a reversal of the charges, XXXX XXXX has not responded as the account is now closed. 
Filed Police and FTC Reports : I filed a police report and an Identity Theft Report with the Federal Trade Commission ( FTC ) to document the fraudulent activity. The police report number is XXXX. 
Credit Bureau Disputes : I have filed two disputes with TransUnion regarding these fraudulent transactions, providing all relevant information that I am not responsible for these charges. However, TransUnion has not removed this from my credit report.

Internal Investigation : I conducted an internal investigation, which included reviewing security footage, transaction ip logs, and employee records. The evidence clearly shows that the employee, XXXX XXXX, was responsible for the unauthorized use. 
Ongoing Impact : Despite the account being over three years old, XXXX XXXX continues to report this account on my personal credit report every month, negatively affecting my credit score. I have attempted multiple times to resolve this matter directly with XXXX XXXX and through credit bureau disputes, but no action has been taken. 

Desired Resolution : I am seeking assistance from the CFPB to ensure that TransUnion removes this amex account from from my personal credit report as this debt was not by me or authorized by me. I have provided all necessary documentation to prove that I am not responsible for these unauthorized transactions. Additionally, I request that XXXX XXXX be required to address this issue properly and cease reporting these fraudulent charges to credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Wakefield and Associates added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 

According to the FCRA, Wakefield and Associates has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
Product: Debt collection

I contact XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year> sending a certified letter requesting in writing regarding the collection of an alleged debt, account number XXXX in the amount of {$770.00}. This letter requested for VALIDATION of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) I had asked for the complete account number and the amount of the debt. As well as a detailed explanation and itemized statement of the charges and fees associated with the debt. In addition, a copy of the charge-off statement, a copy of 1099-c, and proof that the alleged debt is owed by me including any signed agreement or contracts, including any agreement that grants you authority to collect on behalf of the original creditor. 

As of today, I have not received any documentation from the company.
Product: Credit reporting

The credit report from TransUnion states my SSN begins with XXXX not a XXXX. I have submitted a dispute and the only thing to come of the dispute was that TransUnion keeps sending me the credit report over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Plus ran my credit 3 times for a refinancing on a home loan. I only agreed to two soft pull of my credit to refinance my home. When I confronted the loan officer he stated he only pulled my credit twice. But according to my credit report there are 3 hard credit pulls from Credit Plus. The dates are as followed : XXXX. XXXX XXXX XXXX. XX/XX/2020 XXXX. XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed a creditor that was listed on the TransUnion Credit Report. The XXXX XXXX Bank Account # XXXX was to be droppedfrom the credit report on XXXX. The date of delinquency was XXXX. 
I wrote to TransUnion three times and can not get this issued resolved. 
They continue to list this debt on my credit report which is effecting mycredit score. I submitted the documentation to TransUnion but theyrefuse to acknowledge the prof and to correct the issue. I would greatlyappreciate your help in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the way XXXX  and Trans Union are reporting this account ( XXXX XXXX ). This student loan account is an installment account that is being coded as 120 days past due in the scoring algorithm ( I5 ). This is incorrect, please note that the balance is {$0.00} and the past due amount is {$0.00}. How can I be 120 days past due on an account that does not carry a balance? I have disputed this directly to them and they have not changed the coding on this item. It is harming my score and costing me money.
Product: Credit reporting or other personal consumer reports

Equifax scoring algorithm appears to be incorrect. My credit worthiness improved by lowering my dept and raising my available credit however Equifax lowered my score by XXXX points. This does not reflect my credit worthiness and is affecting my ability to get approved for credit.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you claim a late payment has been made to my account. I do not remember being ( XXXX, XXXX, XXXX, XXXX, etc. ) late with a payment on this account. 
This is in line with 15USC 1681S-2b, under Responsibilities of furnishers of information to consumer reporting agencies..We insist that if no such documentation can be provided, the late payment information must be deleted.. 
Please provide statements and records of all payments made and missed since I opened the account. In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never was late on this account. I need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately
Product: Credit card or prepaid card

In XXXX and XXXX 2014 I missed payments on my XXXX credit card. It was a misunderstanding on my part. I believed I had set the card up for autopay and had not. I am a XXXX XXXX XXXX and XXXX and XXXX are our busiest times of the year. I did n't see the notifications in the hussle and bussle of the busy season. Regrettably, I missed two payments. 

At the time I had just turned XXXX years old I did n't understand how this would affect me now as I am trying to buy a house 3 years later. 

I have been diligent to pay ontime ever since. I have not missed any payments in the last 35 months and I have a plan to always check to make sure they are paid. I have a reminder set on my phone to always check my statement online and make sure payment goes through automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to inform you that the following information is incorrectly showing on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. XXXX has an account date opened of XX/XX/2012. I no longer conduct business with this company. This account is old and outdated. Please delete this misleading/outdated information and supply me with a correct credit report within 30 days. 

From sincerely, XXXX XXXX
Product: Credit reporting

I have went back and forth with Transunion, XXXX and XXXX in regards to hard inquires removed after not having any help with the creditors who ran my credit without my consent. I have disputed these inquires and was unsuccessful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX SS : XXXX XX/XX/year> Credit Bureau Dispute of Account Verification Accounts : XXXX XXXX  Account Number XXXX XXXX Balance {$2600.00} XXXX XXXX Account Number XXXX XXXX Balance {$8400.00} XXXX Account Number XXXX  XXXX Reported Balance {$9200.00} XXXX  XXXX  Account Number XXXX XXXX Reported Balance {$16000.00} Dear Sir/Madam, I am writing to dispute the information on my credit report related to the above-referenced accounts. According to my recent credit report, this account was verified by your bureau as accurate. However, I am requesting a detailed explanation and method of verification for this account as stipulated under the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, specifically 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to know the method used to verify the information on my credit report. Therefore, I request that you provide me with the following information : 1. The name, address, and phone number of the person or entity who verified the accuracy of the account information. 
2. A description of the procedure used to verify the information. 

I believe that the information reported is inaccurate and I am requesting that you re-investigate this account. Please correct or remove the disputed information as soon as possible, and send me an updated copy of my credit report. 

In the event that you find the information to be accurate, please provide me with a description of the process used to determine this, including the name and contact information of anyone contacted during your investigation. 

Additionally, please notify the furnisher of the information of my dispute and provide them with all relevant information regarding this matter as required by 15 U.S. Code 1681i ( a ) ( 2 ). 

I expect a response from you within the 30-day period as required by law. If the disputed information is not corrected or if I do not receive a satisfactory response within the specified time frame, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or seek legal counsel. 

Thank you for your prompt attention to this matter. 

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

XXXX5 USC 1681a ( d ) ( 2 ) ( A ) ( i ) states that transactions between the consumer and the Person/corporation making the report is NOT included on the consumer reports. Yet Experian and XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/chargeoff status and any other derogatory information deleted from my consumer reports effective immediately. Please don't reply that the accounts have validated because I'm not asking for verification nor validation. Some of the accounts have been placed in Charge off without mailing me a copy of IRS form 1099C cancellation of debt. Experian and XXXX reporting late payments, charge offs or any other derogatory information in a consumer report is a violation of 26 USC 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral and IRS form 211 : against all entities involved. An opt out notice was never provided to me by either of these corporations. The Opt Out Right : If a bank intends to share nonpublic personal information outside the exceptions, it must also provide the consumer with a reasonable opportunity to opt out. XXXX has already complied. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

The lender initiated foreclosure within the early intervention period in violation of Regulation X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - The client was approved for a loan modification and made his trial pmts - the lender removed the file from an approved mod status stating he did not provide the death certificate in time for the modification to be completed - then set a sale date on the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony networks have violated IRS Publication 4681 Cancellation of debt which gives procedures for charge-off debts and the requirements for ensuring it is within IRS regulation such as the statement in the publication where all debts canceled above XXXXXXXX XXXX must have an accompanying form 1099-C sent to the debtor. 

I never received a form 1099-C for the charge-off. Not only did Synchrony Network charge off this debt as a tax write-up without providing me a 1099-C but they continued to pursue the payment of the debt they already cancelled. 

As Defined by The IRS Even if you didn't receive Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as ( Gross or Ordinary income ). 

INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes the reporting of this account inaccurate! 

By Definition The IRS Clearly says a Canceled or Charge off is income. The reporting of this account as debt is inaccurate. 

15 USC 1681 s-2 Says Synchrony Network is a furnisher of information to a consumer reporting agency. 

They ARE PROHIBITED BY LAW to furnish inaccurate information. I demand they Cease and Desist the reporting of incorrect/ inaccurate information immediately.
Product: Vehicle loan or lease

Mas Financial keeps charging me for FORCED PLACE auto insurance when i have always had auto insurance with NO lapse of coverage.My insurance has proof of all the faxes that they keep providing to MAS and they keep calling and harrsing me about my insurance coverage
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT HAS VIOLATED MY RIGHTS ; ( XXXX XXXX XXXX ) 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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. 

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC Section 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditors, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIOT REPORT.Accounts : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX ; Inquiries XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX