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

Equifax is inaccurately reporting a bankruptcy on my credit file. I have also been blocked from having online access making it difficult to view my credit report and submit disputes online. It has proven to be extremely difficult and troubling trying to call and speak with a live representative regarding this matter. At this point Equifax has failed to offer sufficient access to my credit file. 

After going back and forth in written correspondence a my only option, my last letter ( copy attached ) was mailed via certified mail on XX/XX/2020. I received an automated response that did not satisfy my written request. I have been denied sufficient access to my credit file and denied adequate documentation as requested per FCRA 611 ( a ) ( 7 ) to request a complete description on all methods used to investigate my dispute.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted affidavits to TransUnion disputing several accounts with inaccurate or unverifiable information. The affidavits are identified by the following numbers : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Additionally , I am disputing the late payments reported on the following open account, as they are inaccurate and unverifiable : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite providing affidavits and supporting documentation, TransUnion continues to report these accounts and late payments without substantiating their accuracy. Some accounts have already been removed by XXXX as unverifiable. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), TransUnion must conduct a reasonable reinvestigation of disputed items and remove or correct any information that can not be verified. The continued reporting of these accounts and late payments violates FCRA standards and creates inconsistencies among credit bureaus.
Product: Credit card or prepaid card

In XXXX 2020, I made a call to the Bank of America Customer Service and was redirected to different departments, including the Credit Card Department. I was calling to complaint that an automatic payment of my credit card bill was not setup by a local representative, although I had paid a visit to setup automatic payment. After reviewing my complaint and putting me on the phone line for about 2 hours, the people looking into my issue assured me that they would refund me the late payment fees and other fees charged because of the Bank 's mistake. I was told in the last few minutes of the call that in the next few working days, the refund would be made into my account. 

I called in again today to ask about why no such refund was made. Since XXXX till today, the bank has been still deducting fees from my account, which is contrary to what was assured to me in XXXX. Moreover, no refund has been made, and as a result, my credit card bill has kept increasing since XXXX. 

I called for more than an hour and asked the representative to go back and check the last few minutes of conversation from XXXX. But my request was refused. I was told that no assurance of refund was made, and that no refund would be made. 

I find this a gross violation of contract and trust. I have had to follow up for lengthy ( more than a couple of hours ) conversations, and have been lied to by the bank. I would like to request you to kindly investigate this issue, and compensate me for the loss.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.l received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. This prolonged inaction is causing me significant financial and emotional distress. I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance XXXX : {$36000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX XXXXXX/XX/year>.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered an inaccurate and/or fraudulent account on my credit report from JEFFERSON CAPITAL SYSTEMS LLC with an alleged balance of {$4000.00}. I did not open this account, authorize it, or consent to any debt obligation with this company. 

In XXXX, I'v disputed this account when time permits in my life with XXXX, XXXX, and XXXX under my rights outlined in the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i and 1681c-2 ). I sent a formal dispute letter via certified mail, including copies of my ID, credit report, and supporting documentation. Different representatives tell me different things. 


However, as of XX/XX/year>, the credit bureau has failed to correct or remove the inaccurate information, despite exceeding the 30-day investigation deadline mandated by federal law. Additionally, JEFFERSON CAPITAL SYSTEMS LLC has not provided proper validation of the debt or responded appropriately to my dispute. 

I have taken the following actions : Filed a police report for identity theft. 
Sent a written dispute to the creditor and credit bureau. 
Provided proof that the account is fraudulent/inaccurate. 

I am requesting that the CFPB intervene and ensure that : The inaccurate/fraudulent account is permanently removed from my credit report. 
The credit bureau and creditor provide documentation proving the validity of the account, or remove it under FCRA XXXX. 
Any negative marks related to this account are deleted to restore my credit standing. 
I appreciate your assistance in holding these companies accountable for their failure to comply with federal credit reporting laws. 
THIS IS ONLY THE BEGINING, ALL MY PERSONAL INFORMATION IS INCORRECT AS WELL, I HAVE CALLED OVER AND OVER AND NO HELP IN CORRECTING MY PERSONAL INFORMATION AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, this has not been submitted in error. 
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 15 U.S.C 1681. 

Inaccurate Name : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inaccurate Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Inaccurate Address XXXX : XXXX XXXX CT XXXX XXXX XXXX NY XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Have violated my rights Account XXXX : XXXX XXXX - Account number : XXXX Have violated my rights Account XXXX : XXXX XXXX  - XXXX Acct # XXXX Have violated my rights Account XXXX : XXXX XXXX - Account # XXXX Have 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 Section 2 : Also states a consumer reporting agency can not furnish account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information,, other than records of convictions of crimes which antedates the report by more than 7 years 15 Y.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

Paid a bill for XXXX through my online Billpay for {$230.00} via my US BANK checking account back in XXXX, 2015. XXXX says they ca n't find it, US BANK says they sent it and put a tracer on it and I have been bounced back and forth by these XXXX companies for the past eight months. My checking account has not been reimbursed and I keep getting bills from XXXX saying I still owe them the {$230.00}. I am a XXXX senior citizen and this situation is extremely frustrating. I complained to the Oregon Public Utility Commission and they told me there is nothing more they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

So many hard hits on my credit and myself losing over XXXX in credit fix.
Product: Vehicle loan or lease

This company sold me a completely totaled out car. They did not provide me with a XXXX XXXX This company beat me out of my money. And now they are saying I owe them XXXX on this vehicle. This company is steadily reporting late payments to my credit when they have been sold this car. When the vehicle has been repossessed and sold. I need an updated credit report. It is completely illegal to report balances to my credit after debt has been sold to a collector.
Product: Mortgage

My husband and I filed for XXXX  XXXX in 2019. We have the same mortgage ( SLS Loan Servicing company. ) since the bankruptcy started. We have been paying it electronically thru our banking bill pay since the bankruptcy started with my husbands pension. 
XX/XX/XXXX I paid the mortgage as usual and on the XXXX it was deposited back into my checking account. When I called I was told they will no longer accept my electronic check and that it would need to be a mailed check or thru XXXX XXXX XXXX  ( which is expensive ) or I can call and pay the mortgage and pay a {$12.00} ( which is being waived now because of covid but they said but they will start charging it again soon ) they said I can not do the automated pay by phone because its electronic, yet she would ( the customer rep I was speaking with ) take my payment thru debit ( is that not electronic? ) This makes no sense at all to me. They said they will charge me back interest once my bankruptcy is over if I mail a live check and they don't get it in time. They have been accepting my electronic check for the last 2.5 years with not one issue. I don't understand how they can do this ....
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian and XXXX dated XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX and XXXX, and I'm including it again. 


XXXX XXXX XXXX .... Balance : {$2300.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : {$630.00}
Product: Checking or savings account

I had a BB & T account a year ago that I opened In XXXX XXXX Florida. I closed the account I. XXXX 2020. 
I recently discovered through the IRS that they stole my Covid 19 payment instead of sending it back to the IRS.
Product: Credit reporting 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 to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail 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 accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage loan was transferred from PHH and I was n't notified. I do n't know who bought my loan or where to send my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed by mail with Transunion. I disputed with 609 letters by XXXX XXXX and XXXX and since now. But they haven '' t send me any letters about what was there investigation results i and i had to call them every time i send them a letter because if not they wont send me anything but today i called XX/XX/XXXX too see what was the results and they said that they were verified and i ask them how did they verified and what proof do they had and the rep from Transunion told me that they don '' t deleted stuff that the ones that deleted the stuff its XXXX XXXX XXXX  that there the ones that deleted items and investigated not Transunion so this is why iam making a complain because Transunion has not verified they just go for what XXXX XXXX XXXX  its telling Transunion. XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX, {$470.00} XXXX XXXX XXXX  Account XX/XX/XXXX # XXXX {$320.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account number XXXX has violated my rights. 15 U.S.C 1681 section 602A. i have rights to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report incorrect information on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid off and the bank erroneously reported it as late. I have included a letter from them stating that the late should be removed. XXXX  and XXXX have removed it, but Equifax refuses to do so. This is a FCRA violation and is mandated to be removed from my report. I have previously contacted you through mail and yet there is no dispute history. Please verify this and remove or send me what you have done to investigate. Please update this line item accordingly. I have contacted XXXX, as well as the bureau to fix this however, I have not been successful.
Product: Debt collection

On XX/XX/2020 a check from a long closed account was written in my name by my ex. 
XXXX 's XXXX XXXX  allowed a person that was not me to write the check. I received a letter in mail from account liquidation services called them and they told me that I was going to have to go 250 miles from my house to press charges. I informed them XXXX  allowed this, did not check ID and notwithstanding the fact I am not even the same gender and therefore need to make it right. Their response is XXXX  is not required to check ID. I called XXXX and they said the same unless I go file a report again 250 miles from my house I owe the debt. Again repeating we are not required to check ID. Both were extremely rude and again can't stress enough XXXX allowed this to happen and is taking the stance.. oh well your problem ..you owe us.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor via CFPB Complaint 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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX AV XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX Balance XXXX {$2700.00} XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022. I am formally requesting that you include the following fraudulent items to be removed from my Credit report. If you are unable to send me any documents pertaining that the disputed items belong to me, immediate deletion of the diputed items will be appreciated.
Product: Debt collection

I have been trying to get this account taken off my XXXX  for over a year. XXXX  and XXXX  took the account off because it was not proven to be my account. I lived in apartments with my boyfriend and they had me put my social down for a background check but I never signed a lease with them. I was never contacted about the debt by anyone either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX : {$0.00} XXXX US DEPT ED XXXX Balance : {$4300.00} XXXX US DEPT ED XXXX Balance : {$3100.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$150.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$150.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance : {$960.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$1000.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$360.00} ; XXXX XXXX XXXX Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$690.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; DP OF EDUC XXXX Balance : {$3100.00} ; DP OF EDUC XXXX Balance : {$4300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$450.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

To, Bureau of Consumer Financial Protection, Hi Bureau, Wanted to bring to you attention, a credit denied after applying for XXXX Credit card with Comenity Bank .They cited reason as Based on previous Negative experience with Comenity Bank are unable to process.. Previously around 3 years ago also Comenity bank closed by XXXX Credit card suddenly citing number of enquiries are high, even though my credit was initially approved and there were no other issues. My credit score is above XXXX on both the times. Also, credit history has been more than XXXX consistently over the years. Attached Documentation for both the cases. Can you please suggest your recommendation? 

Regards, XXXX XXXX