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

I am filing this complaint against Equifax Information Services LLC due to their repeated violations of the Fair Credit Reporting Act ( FCRA ) and their failure to properly investigate disputes I submitted regarding inaccurate information on my credit report. Despite sending multiple dispute letters, Equifax has not conducted the legally required investigations and continues to report inaccurate and unverifiable information. 

Details of Complaint : Equifax has violated several provisions of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in my credit report.

15 U.S.C. 1681i ( 5 ) Failure to delete or modify inaccurate or unverifiable information.

15 U.S.C. 1681s-2 Failure of furnishers to investigate disputes properly and provide accurate information.

15 U.S.C. 1681c ( c ) Inclusion of obsolete information in my credit report.

The inaccurate information Equifax continues to report has negatively impacted my credit score, financial opportunities, and overall well-being. 

Furthermore, I recently learned of the CFPB 's enforcement action requiring Equifax to pay {$15.00} XXXX for improper investigations of credit reporting errors. This demonstrates a pattern of systemic noncompliance with federal law. 

Steps Taken : I have sent multiple dispute letters to Equifax requesting investigations and corrections of the inaccurate information. 

I have provided supporting documentation for each dispute to prove the inaccuracies. 

Despite my efforts, Equifax has failed to correct or delete the erroneous entries and has not provided adequate responses or evidence to verify the information. 

Resolution Requested : I am requesting the following actions from the CFPB to resolve this matter : Require Equifax to immediately conduct a thorough investigation into my disputes and provide a complete and accurate resolution report.

Ensure all inaccurate, outdated, or unverifiable information is permanently deleted from my credit report. 

Impose additional penalties or corrective measures on Equifax for their continued noncompliance with the FCRA. 

Monitor Equifax to ensure adherence to their legal obligations and prevent harm to other consumers.

Supporting Documents : copy of disputes photo id proof of address copy of social security card FTC report/identity theft report Affidavit certify that the information provided in this complaint is true and accurate to the best of my knowledge. I authorize the CFPB to investigate this matter and take appropriate action to ensure compliance with federal law. 

Thank you for your attention to this urgent issue.
Product: Checking or savings account

XXXX on my Bank of America account for {$3000.00}, was fraudulent removed from my account and Bank of America will not return my funds. After I called multiple times to dispute transaction. Bank of America stated due to the receiving bank did not want to return the money back into my account.
Product: Debt collection

this law group has been calling repeatedly for the last year.I have a debt collection that is now about 5rs old.They continue to call at leased twice a week starting one moth ago.I contacted the XXXX that reported that this agency would not reply to their request.I am a XXXXXXXX XXXX XXXX XXXX on a set income.Letters from them said they would garnish my income. I need help!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX/XXXX XXXX dated XXXX XXXX.The letter states '' thankyou for applying for a XXXX XXXX XXXX on XX/XX/XXXX '' .I NEVER applied for a personal loan through XXXX or its affiliates.This is fraud.I did have a XXXX XXXX  with no balance and early XXXX during breakout of covid-19 pandemic, XXXX closed my account citing inactivity.I did call XXXX at XXXX on XX/XX/XXXX at XXXX and spoke with XXXX.She took some information and stated that it was a soft pull and I shouldnt worry and transferred me to Bank fraud Unit at XXXX call with XXXX ended at XXXX.XXXX  statement to me is wrong about the personal loan i never applied for.When she transferred me to bank fraud unit, the bank fraud unit was closed.Recently, In XX/XX/XXXX, someone used my personal info to commit fraud at a XXXX through XXXX  to purchase a cell phone.This was fraud.Why almost a year later im getting a letter from XXXX???? .Therefore, I never applied for a personal loan from Discover/personal loans or it s affiliates.THIS IS FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.
Product: Debt collection

Upstate Remedial management is texting my mother and my sister. Neither share my debt, nor are listed on anything to do with this account. 

My mother and sister both received text messages XX/XX/year> at XXXX XXXX. I have the screenshots. 
I just had a consult for bankruptcy and mentioned this to the lawyer, who advised Upstate Remedial management is not supposed to be texting or harassing my family members.
Product: Credit reporting or other personal consumer reports

I PULLED MY CREDIT REPORTS FROM XXXX XXXX AND NOTICED XXXX ACCOUNTS THAT WERE NOT MINE. I BELEIVE SOMEONE OPENED THESE ACCOUNTS WITHOUT MY PERMISSION .IM ONLY XXXX YEARS OLD.
Product: Credit card

Synchrony home design sent me a credit card in the mail that I did not authorize. I called them closed the account asap and want to make sure it is off my credit report.
Product: Prepaid card

I received an Amex XXXX XXXX. This includes an email Congrats, XXXX! 
XXXX XXXX XXXX has sent you an award in the amount of $ XXXX. 
Are you ready for the really exciting part? You can redeem your award for gift cards from hundreds of top-name brands including retailers, restaurants and entertainment and travel providers. XXXX XXXX XXXXXXXX. 
And on there I clicked the link to view and redeem the card : XXXX : XXXX? XXXX which loads on XXXX XXXX XXXX XXXX XXXX XXXX After I redeemed the card, I received this email. 

Hi XXXX, To access your gift card and start using it, just click the button below. Its that easy. 

Be sure to keep this email so you can access your gift card in the future. 


American Express Virtual Reward Expry XXXX Amount {$500.00} View Gift Card If youre not able to see the gift card through the link, you can copy and paste the URL into your web browser XXXX XXXX XXXX Questions? Our Customer Service Consultants can help you out. They are available Monday - Friday, XXXX CT - XXXX CT and you can reach them at XXXX. 

Enjoy! 

Confirmation Number : XXXX Item Id : XXXX All purchase of gift cards are final. Gift cards are non-refundable. Expired gift cards can not be reissued. Expiration dates my vary by retailer as noted on the actual gift card. Once issued, gift cards are like cash and can not be replaced if lost or stolen. 

XXXX IXXXX | Privacy Policy | XXXX XXXX  XXXX XXXX XXXX I attempted to use the card on XXXX and the transaction was declined. I then tried again with XXXX with other amounts less than the full face value. 

I also added the card to my XXXX XXXX and tried contactless payment at XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and paying for gas and all the times the card was declined. 

Many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

In accordance with the fair credit reporting XXXX  # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XX/XX/XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error. ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didn't notify me XXXX days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission ). Sincerely, XXXX XXXX Update the following statements to ALWAYS PAID-ON-TIME/ PAID-AS-AGREED PLEASE AND THANK YOU!!! XXXX XXXX is showing XXXX missed payments/late payments via TRANSUNION ( XXXX XXXX, XXXX ) while XXXX XXXX is showing XXXX missed payments/late payments via XXXX ( XXXX, XXXX )
Product: Credit card or prepaid card

Someone opened a Barclays credit card in my name on XX/XX/XXXX with a credit limit of {$14000.00}. This was not me. I already had a credit alert on my name from XX/XX/XXXX after someone opened an XXXX account in my name. However, Barclays never contacted me for further Authentication when granting the $ XXXX credit card to the scam artist.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : A+ Loans XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear A+ Loans I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Vehicle loan or lease

In XX/XX/2023, I was interested in shopping around for an auto loan to buy out an existing lease. I queried a third party service ( LendingTree ) and consented to sharing my contact information for the purpose of receiving loan quotes for this purpose. I had two lenders call me immediately - one, who I ultimately ended up working with, and Tresl, who reached out to me and requested I call them back. I received an excessive number of inbound calls from Tresl - literally 4-5 a day for about 3 days. I finally contacted Tresl as I had 1 ) decided to go with another lender and 2 ) wanted the person who was harrassing me to stop calling. I never spoke to a Tresl employee directly- all communications were via voicemail, with me reaching out to Tresl a total of ONE TIME to advise them to stop calling me. I never submitted a loan application with Tresl - again, the only item I agreed to was passing my contact information along to this business for the purpose of getting vehicle loan rates, which would be performed via a soft credit inquiry. Upon leaving this voice message with the Tresl individual, I received an Adverse Action notice on XX/XX/2023. The notice indicated to me there was 1 ) a loan application under my name, which I did not submit, 2 ) a hard credit inquiry was performed listing my credit score ( XXXX ), and 3 ) that due to my credit score ( which is excellent ), my loan application had been declined. I work in the financial services industry myself in Legal and Compliance, and this application and hard credit inquiry were done without my consent. I never submitted any loan application with Tresl - again, I never spoke to ANYONE there directly. This is predatory and I have also reported this directly to Tresl 's Compliance department as well, also in the form of a voicemail.
Product: Debt collection

Date : XX/XX/year> Debt Collector 's : XXXX Debt Collector 's Company : TRANSWORLD SYSTEMS INC Company Address : XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Depth Amount : {$440.00} ( XXXX ) XXXX Dear TRANSWORLD SYSTEM INC, I am writing to formally dispute a debt that has been attributed to me, as referenced under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). I believe that the debt in question is not valid due to the following reasons:1. **Inaccurate Information. 2. **Lack of Documentation : ** I have not received adequate validation of the debt as required under the FDCPA. As such, I am requesting that you provide proof of the debt and its legitimacy.3. **Unlawful Communication : ** I have not authorized any communication regarding this debt and I request that you cease all communication with me moving forward. Under 15 U.S.C. 1692c ( c ), I have the right to request verification of the debt, and I expect a prompt response regarding my request. Failure to provide the necessary documentation supporting the validity of this debt will result in my further action, including but not limited to notifying the relevant authorities and disputing this debt with credit reporting agencies.I ask that you take immediate action to investigate this matter and remove any entries related to this disputed debt from my credit report.Thank you for your attention to this matter. I expect a response within 30 days. 

Thank You
Product: Debt collection

I was contacted via telephone number XXXX. A company that would only identify themselves as " XXXX '' They said I must pay {$3400.00} or a settlement of {$2200.00} or I would be charged with 'defrauding a financial institution ' and would go to jail. They contacted myself, my ex wife, and my wife. Telling them all of the information on the case, including the amounts, the debtor and the case number.
Product: Checking or savings account

I am writing to formally lodge a complaint against Chase Bank regarding the mishandling of an ATM deposit I made on XX/XX/year>, at their ATM located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY ( Terminal ID : XXXX ). 

Here are the details of the incident : 1. On XX/XX/year>, I made two cash deposits at the mentioned ATM. 
The first deposit of {$2400.00} was recorded successfully. 
The second deposit of {$3500.00} was not recorded due to an ATM error. 
2. I immediately called Chase Bank to report the issue. Chase acknowledged the error and placed a temporary credit of {$3500.00} into my account while investigating the claim. 
3. On XX/XX/year>, Chase unexpectedly reversed {$1900.00} from my account without providing any clear explanation or justification. 

I have repeatedly sought clarification from Chase but have not received a satisfactory resolution. The lack of transparency and the unjustified reversal of funds have caused me significant financial stress.
Product: Money transfer, virtual currency, or money service

I have  XXXX  accounts with Coinbase.   XXXX   is a bitcoin account, and the other is an Ethereum account. I have a verified driver license on my account, and they are asking me to submit another ID to perform any buy or sell requests. Their website continually does not accept my Global Entry ID, so my accounts are frozen. I have a total of {$180000.00} in   XXXX   accounts. I have submitted several requests to have them verify another ID, or have me submit another form of ID such as a phone bill, and they are not getting back to me.
Product: Credit card or prepaid card

As POA for my father ( who suffers from XXXX XXXX XXXX ), I am attempting to pay and close his overdue account at Citi. 
I've been given multiple fax numbers and mailing addresses, and after sending my POA docs a total of SIX different times, I am still not listed on the account, nobody will speak to me, and I can not get a final invoice to pay. 
Citi is making it impossible to pay a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have tried to work this out with the creditors but they have been unhelpful. Now Im reaching out to you for help.
Product: Credit reporting or other personal consumer reports

An unknown individual was able to open a checking account through Experian and in doing so also change my account information on the membership part of Experian without going through multi-factor authentication of phone or email. And this was done with a credit freeze in place. 

In order to get my account back experian is making me provide three sets of documents including a physical social security card I do not have. In addition it is impossible to talk to anyone at the company- it took over two hours to get in contact with a human. Their automated system kept disconnecting me or directing me to the website.

The supervisor told me it is experians job to make make it so anyone can open an account meanwhile deactivating has to go through this even if it was fradulent
Product: Debt collection

I was notified by XXXX XXXX that a new account was on my report. 
I was never notified about this alleged debt. 
I see that Transworld Systems has reported a debt that is not mine to all 3 credit reporting agencies. I have not been advised of this debt prior to it appearing on my credit report, without my permission. 

Transworld Systems states that there are two alleged debts totaling {$2000.00}. 
They have put this information on the report pertaining to me at XXXX, XXXX and XXXX XXXX. 

I have disputed the alleged debt with the agencies and have sent a letter to transworld systems regarding the debt, requesting verification and any information that they may have. 

I believe this is part of an identity theft situation, and therefore, it is erroneous for this company to provide false information to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I SENT LETTERS TO THE CRA 'S FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY REPORT BECAUSE ITS DAMAGING MY CREDIT AND STOPING ME FROM GETTING A HOME, PLUS CAUSING ME STRESS.I AM SEEKING SOME ASSISTANCE IN THIS MATTER, ALSO THE LETTERS THAT I SENT THEM ARE FILLED OUT COMPLETLY.
Product: Credit reporting or other personal consumer reports

I have recently perused my credit report and identified the presence of spurious accounts therein. Kindly expunge these erroneous entries from my record, as their inclusion adversely impacts my creditworthiness and compromises my capacity to secure credit facilities. I am also writing to express my deep concern regarding the persistent reporting of an account by XXXX XXXX on my credit report, despite my repeated efforts to dispute its accuracy. On two separate occasions, I have formally disputed this particular account, yet it continues to be included in my credit profile. Furthermore, upon closer examination, I have identified numerous inaccuracies within my credit report that are inconsistent with the provisions outlined in the Fair Credit Reporting Act. Despite my diligent efforts to rectify these discrepancies, I have received minimal response and have been provided with the inadequate proof to substantiate the legitimacy of this collection account along with proof of the original contract. XXXX XXXX has numerous inaccuracies and inconsistencies plague the reporting of my credit information. These discrepancies manifest in varying last activity dates, failure to adhere to the 180-day charge-off marker, and reporting of inconsistent balances. Therefore, I demand the immediate removal of the XXXX XXXX collection from my credit report. Failure to comply with this request will leave me with no choice but to pursue further legal action to ensure the resolution of this matter. 

Attached is my identification along with a valid sworn affidavit to ensure my identity.
Product: Debt collection

Failed to notify of debt, paid debt and will not remove debt from credit report
Product: Mortgage

When covid hit and options to be put in a forbearance program became available we accepted and were told that all the payments would just be added on to the back end of the mortgage and we would start making regular payments once the program was over. They allowed us to be in the program for over a year and then when it was over they demanded all that money up front and would not modify the loan or anything. Then they filed for foreclosure. We have hired an attorney to represent us because they lied to us and all the phone calls we made confirming this process were recorded so there is solid proof of their lies. They also failed to send us paperwork on time causing us to mis deadlines etc. Cardinal FINANCIAL is the company that held the mortgage
Product: Checking or savings account

Someone compromise my checking account and made payments to accounts that I did not authorized.
Product: Debt collection

I pulled my credit reports from all 3 bureaus and I have a collection account from Commonwealth Financial Systems that I do not believe is mine. I disputed it with the credit bureau and they removed it from my account because it is unverified. I sent a debt validation letter via certified mail on XX/XX/XXXX to Commonwealth Financial Services to request documentation that this is my debt and they responded on XX/XX/XXXX saying that I need to notify them that I am disputing the debt within 30 days. They failed to validate my debt on my first request. It has been longer than 30 days. I am mailing a second letter via certified mail requesting debt validation on XX/XX/XXXX.