23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a business credit card with Bank of America. I paid the credit card balance using Bank of America Checking account. After payment the whole balance was paid and there was a credit balance on the credit card. Without letting me know Bank of America has put a hold on the payment, though it has already cleared the account. XXXX days after making the payment I had to Call the Bank to have the hold removed. 
No reason for the hold was given.
Product: Debt collection

My name was included in the XXXX data breach which occurred between XXXX - XX/XX/XXXX but I was notified in XX/XX/XXXX. I wanted to file and official report regarding this breach since my data is on the dark web and there are several items on my personal non-public information credit report I don't recognize and I have to deal with consumer reporting agencies as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 with my written instructions.
Product: Consumer Loan

Hello, I would like to submit a compliant against Ally Bank XXXX XXXX XXXX. I purchased a XXXX Jeeo from XXXX on XXXX XXXX, XXXX TN in XXXX of 2016. The dealership chose Ally Bank XXXX for my lender. Two weeks later my jeep was struck by a combine and ruled total loss by XXXX. Weeks after going back and forth with Ally and XXXX on who was responsible for sending what documents. I requested all documents be sent to me and I disperse. XXXX has sent everything I asked for. Ally has not. They refuse to send my letter of guarantee so XXXX can payoff my account. My insurance agent emails and calls every week and so have I. We both have numerous emails requesting the letter. Meanwhile Ally is charging my account interest. I 'm also out another down pymt and rental car fees. They refuse to let me talk to a supervisor or give me an email to a supervisor and their website does n't have enough information. A customer service rep confirmed today they are not answering calls within the United States. They are in the XXXX answering calls for the company. Today, I contacted a lawyer but he said until they give me a letter of charges there is n't anything he can do but write letters. So, I wrote letters today. I contacted the dealership and warned them of using this company as it 's a big negative for them for future customers. All I need is my letter of guarantee to resolve this matter. If you can please help me so I can pay off my account it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX a XXXX, have been adversely affected by the false and inaccurate information on my credit report. I have previously disputed the inaccurate account reported by EQUIFAX in collection status as of XX/XX/2022 from XXXX XXXX XXXX in the amount of {$800.00}. EQUIFAX knowingly and willfully violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act by failing to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and failed to delete the account from the file. Despite my numerous attempts to dispute this account with EQUIFAX as shown currently on MyEquifax account online, EQUIFAX denied my right to a fair and accurate report Pursuant to 15 U.S. Code 1681 ( b ) which states If, after any reinvestigation of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer Pursuant to the FCRA 15 U.S.C. 1681i ( 5 ) ( A ) ( i ). The account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} can not be verified because it is inaccurate and has already been removed from my XXXX and XXXX report, therefore it is unable to be verified from EQUIFAX. Thus proving EQUIFAX has failed to exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ). 
I have suffered from damage to my credit worthiness and received an adverse action letter from XXXX XXXX due to this inaccurate account on my consumer report. I have record of over 10 phone calls made to EQUIFAX demanding this account be removed and EQUIFAX representatives used profane language on the recorded line and refused to remove the inaccurate account from my report. The EQUIFAX XXXX XXXX XXXX ID XXXX refused to remove the account and insisted the account was verified and accurate. On XX/XX/2022 I have record of the phone call with an EQUIFAX representative who verified there is no record of my consent to share my personal credit information with this XXXX XXXX XXXX XXXX XXXX which is a direct violation of 15 U.S. Code 1681b. EQUIFAX did not have Permissible purpose to use my consumer report, as well as a violation of the Equifax Data Sharing Policy. I have filed a previous CFPB Complaint and I have contacted EQUIFAX Executive Consumer Services and EQUIFAX XXXX XXXX XXXX on XX/XX/2022 and EQUIFAX still failed to accurately reinvestigate the account and remove it from my report. I am now exercising my rights under the law. These rights include, but are not limited to, civil liability for damages pursuant to 15 U.S. Code 1681n. I demand EQUIFAX promptly and immediately remove the account xxxxxxxxxxxxxxxx XXXX from XXXX XXXX XXXX in the amount of {$800.00} and provide monetary relief for the consistent willful violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$1700.00} ; Medical XXXX Balance : {$96.00} ; Medical XXXX Balance : {$110.00} ; Medical XXXX Balance : {$10.00} ; Medical XXXX Balance : {$75.00} ; Medical XXXX Balance : {$21.00} ; Medical XXXX Balance : {$80.00} ; Medical XXXX Balance : {$210.00} ; Medical XXXX Balance : {$31.00} ; Medical XXXX Balance : {$310.00} ; Medical XXXX Balance : {$28.00} ; Medical XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

North American Recovery # XXXX is reporting a balance I do not owe. This collection is paid and should not be reporting to my credit. I would like this to be deleted off of my credit as it is paid and should not be showing up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account numbers # *XXXX Account # XXXX *XXXX Account # XXXX I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX *XXXX Account # XXXX
Product: Student loan

currently the interest is too high on my loan and the more i pay it seems the money will not go down and i am very overwhelmed by it. i currently do not have dates bu the interest rates from XXXX % on both privates loans i have.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions I have tried to speak with the people of Early Warning Services to be able to put a dispute on the report that they give to the banks about me since in the last months I suffered a robbery of my bank accounts which were looted with great sums but according to the investigations of the same banks it was discovered that they had actually stolen the money from my accounts but after this it has not been possible for me to open any bank account nor any loan in any bank for which I have tried to call Early Warning Services to dispute their actions and they never help me by hanging up my calls or saying I can't do that according to them because a bank has reported me for fraud but I have all the documents that show the cyber attack that my accounts suffered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are in violation of the FCRA. They are reporting inaccurately on my Consumer reports account number : XXXX.The date opened is inconsistent. XXXX has- XX/XX/2022 XXXX has XX/XX/2022, Equifax has - XX/XX/2022 as well as the date of last active ; XXXX has XX/XX/2022, XXXX has XX/XX/2022, and Equifax XX/XX/2022. Remove this account from my report for inaccurate reporting.
Product: Debt collection

Hello : I have not received requested information for validating this debt. I have made multiple attempts to fix problem with company. 
XXXX XXXX XXXX XXXX XXXX stated We do not show receiving any documentation directly from the consumer. 
I mailed certified letters requesting verification. 
( See Exhibit XXXX ) ( See Exhibit XXXX United States Postal Service XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX in response to a credit dispute our office mailed the consumer correspondence. 
The reason for complaint is discrepancies and inaccuracies. According to creditor they stated, The credit reporting appears accurate for this file as per creditor records. Please provide a copy of the written agreement that created my original requirement to pay? 

According to my rights as a consumer, the commission of XXXX XXXX a printout of bill or itemized document does not qualify as verification. Also, stating appears accurate is in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We recently applied for a home loan and were notified that a Judgment was on my credit report. I was unaware that a Judgment had been registered against me in  XXXX   XXXX , MS  .  I contacted the  Judgment Court and was told that Tower Loan would have to notify them that the Judgment was satisfied. I filed a dispute with  XXXX  Credit  and nothing changed. The amount due has always been  XXXX  on the Credit Report but it needs to sta te Amount Satisfied. I h ave been unsuccessful having this changed by Tower Loan and th e Judgment Court  in  XXXX   XXXX ,  MS .
Product: Debt collection

On XXXX, I paid Navient in full with my Savings account. As of XXXX, they 're claiming that the payment was never processed, which is a lie by committing fraud. I received an email notification of confirmation of the {$1400.00} that I paid them on XXXX, and on XXXX, their website said was received.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries below ain't mine they are fraudulent. Please remove as soon as possible. They should not be on report XXXX XXXX XXXX XXXX, US SM BUS ADMIN ODA, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and two accounts from XXXX XXXX XXXX. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with Equafax, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by Equafax, XXXX and XXXX with no success. Im also including a copy of the police report that was filed for the identity theft.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Submission Consumer Information : - Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX - Date of Submission : XX/XX/2024 Bureau Information : - Bureau Name : EXPERIAN - Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Requested Resolution : I request that EXPERIAN conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Attachments : ( If applicable, list any documents you are including with your complaint ) Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : XXXX TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

1. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I have 8 parent plus loans serviced by EdFinancial. I have received conflicting monthly payment amount due figures. 
Given the terrible track record that EdFinancial and other loan servicing companies have, I want to make sure that EdFinancial is charging me the correct amount every month. I have requested from EdFinancial : 1. the formula ( s ) used to calculate my monthly payment 2. the inputs ( actual numbers used ) to calculate my monthly payment 3. the calculation ( inputs applied to formula ) to calculate my monthly payment In short, I have requested EdFinancial to provide the simple step-by step process to how it calculates my monthly payment. I want EdFinancial to show its work. 

I have requested this several times via email, but EdFinancial always answers with non-responsive information and a referral to it customer service telephone number. EdFinancial continuing refusal to provide information it can easily access is suspicious. EdFinancial has referred me to the Loan Simulator Tool, but that tool ( as explained on the website ) is only an estimate and should not be relied on for accuracy. Further, referral to the customer service telephone number is tantamount to complete avoidance as this telephone number always has wait times in excess of 200 minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this today in regards to SYNCB/Care credit Account # XXXX, I have reached out to the bureaus along with SYNCB/Care credit to get more information about the reporting which seems inaccurate. I have gotten no response. I will list the issues below and then include a copy of the report. 
1. Date opened is not consistent 2. Date of last payment is not consistent 3. Date of last activity is not consistent 4. Date of first delinquency is not listed 5. Date closed is missing 6. Payment status is not consistent
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/year> I've had multiple back to back unauthorized transactions taken out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX