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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Equifax Dear CFPB and FTC, I am writing to file a formal complaint against Equifax regarding the inaccurate information presented on my FICO credit report as of XX/XX/year>. It has come to my attention that my rental history is reported incorrectly, which violates the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1681s2, furnishers of information, such as Equifax, have a duty to provide accurate information. Specifically, under subsection ( a ) ( 1 ) ( A ), a person may not furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Additionally, the findings set forth in 15 U.S. Code 1681 emphasize the importance of accuracy and fairness in credit reporting. Inaccurate information can lead to significant consequences for consumers, undermining public confidence and impairing the efficiency of the banking system. 

I am particularly concerned about the missing rental payment history that Equifax has shared with Fair Isaac and Company ( FICO ). This discrepancy must be addressed and corrected urgently to reflect my true creditworthiness.

I appreciate your attention to this matter and look forward to a timely resolution. Please do not hesitate to contact me should you require any further information.

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) it also states a consumer reporting agency can not furnish an account vithout my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for eny purpose These accounts are listed as late and they were never late. Will u please update them to paid as agreed.. 
The accounts are listed below : XXXX XXXX XXXX  # XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following ITEMS from my file. 

XXXX XX/XX/XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit bureaus stated my account was properly investigated but how is that possible if the open dates are inaccurate the date last active is inaccurate, last date reported is Inaccurate, this is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U. S. C 1681 Section 602 A. Section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions Also, Credit bureaus took more than 30 days to complete my investigation Here is my CERTIFIED MAIL Tra
cking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and reported. The following inquires I have no knowledge of nor did I authorize neither. I'm demanding that these fraudulent inquires be removed from my credit file immediately. 

1 ) XXXX ( XXXX ) 2 ) XXXX XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 8 ) XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX ) XXXX XXXX XXXXXXXX ( XXXX ) 13 ) XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX Account # XXXX XXXX Account # XXXX has 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 : 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

I am a victim of identity theft and have spent COUNTLESS HOURS trying to repair my credit from fraudulent collections. I have submitted my proof of identity theft successfully to the 2 other credit bureaus, but EXPERIAN refuses to collect my proof!!! They said I have 2 options : ( 1 ) upload online -- BUT THEIR UPLOAD SERVICE DOES NOT WORK ( I've tried so many times, different browsers, file formats, size compression, etc. ), or ( 2 ) mail physically -- NOT SECURE, and WHEN I TRIED TO MAIL IN REPEATEDLY, THEY SIMPLY CLAIM THEY HAVEN'T RECEIVED ANYTHING. And they won't provide an alternative method!!! All the proof is right here in my files, but they won't provide a working way to get it to them so they can resolve these fraud charges!!!!!
Product: Credit card or prepaid card

Since 2011 I have held a XXXX XXXX XXXXXXXX XXXX Credit Card with CitiBank. I had loads of positive credit on my 3 credit files. The account is open, active and all positive credit. Last year I checked my credit file and the account was missing. I made MANY calls to customer service and each time I was told that they could not help. One time a lady ( XXXX ) said to not worry that she would sort it out. I still do not see any of my past credit. I want that all put back on all 3 credit bureaus. I can not get anyone to agree that this could have happened AND how to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : ARS NATIONAL SERVICES INC reference number XXXX, and XXXX XXXX XXXX reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX, repossessed in the state of ARIZONA in XXXX, and sold by XXXX XXXX XXXX on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Other financial service

We signed up for ClearOne Advantage to handle our debt situation. While with our other accounts we had been satisfied, our major account is when caused me to investigate further and realize that this company used a number of shady practices. 

XX/XX/XXXX, I began to receive calls and emails from ClearOne saying they had come to a settlement agreement with XXXX XXXX on a credit card, from {$23000.00} down to about {$9500.00}, in payments over a couple of years. While I was glad for a possible settlement, I was due to receive a sizable bonus XX/XX/XXXX and wanted to pay it off all at once, knowing a lump sum payment would result in an even lower settlement. I expressed this interest and set up a special draft for {$9000.00} XX/XX/XXXX. A few days later I began to receive calls notifying me that a settlement for {$8300.00} had been reached, but again spreading the payments out over a number of months, the first being {$10.00} followed by significantly higher payments the remaining months. I was told that this would be the best settlement, and that with a lump sum XXXX XXXX would actually want more money. ( This was later found by myself to be a lie ). This is when what only be described as harassment began. My wife began to receive numerous phone calls and emails every day urging us to accept the offer. While we were still hesitant and wanted to call XXXX XXXX to ask about a lump sum ourselves, due to the near constant stream of calls, emails and text messages we went ahead and accepted, with the full intention of calling XXXX XXXX ourselves and settling in a lump sum. What we were not told at the time was that by accepting this settlement we were also accepting the ClearOne Advantage fee, which was XXXX % of the ORIGINAL debt, to the amount of {$5800.00}. This, by their contract, is " locked in '' when the first payment is made ( which now shows me why the {$10.00} initial payment was made so promptly ). 

This was all discovered by me after negotiating with XXXX XXXX for a significantly lower lump sum payment of {$7600.00}. 

So, in the end I have XXXX issues : The harassment to accept the settlement I asked for a lump sum settlement for this particular account, and made funds available to do so. I was told this was not possible - this was a lie. 
When accepting the settlements, the fact that this would also accept the fees with ClearOne, with the amount of said fees should be part of the settlement agreement. So instead of the agreement simply showing the {$8300.00}, it should explain that it would also result in the {$5800.00} fee, to a total of {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
Experian : 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
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

Experian is reporting 2 Hard Inquiries that i did not authorize. 

1. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX ) 2. ) XXXX XXXX ( Auto Fin ) ( XX/XX/XXXX )
Product: Debt collection

The company LVNV is taking me to trial court for this on XX/XX/19.
Product: Credit reporting or other personal consumer reports

The company, TRANS UNION LLC, has been notified that the account transaction furnished by XXXX XXXX is a result of identity theft. The company willfully failed to block and permanently delete the account transaction within 4 business days. In the meantime my access to credit is being hindered because of the fraudulent transaction. 

The company has also failed to provide me with any proof that I gave written consent for my nonpublic personal information to be used.
Product: Credit reporting or other personal consumer reports

My home mortgage with XXXX XXXX  was under review for a loan modification and in forbearance due to a natural disaster financial hardship. During this time I was making reduced payments. XXXX XXXX  informed me that no late payments would be reported while my account was in forbearance. XXXX XXXX  confirmed that they would request the late and past due payment remarks be removed from my credit report. Equifax has repeatedly reported past due and late payments to my credit report despite my many attempts to have them correct the adverse information.
Product: Debt collection

No attempted to collect debt from me from company bc debt is completely false. Amount of {$500.00} on my collections and an account of {$1200.00}.
Product: Checking or savings account

Citibank closed my checking account by mistake. I found out on XXXX. They admitted the mistake said they would reopen on XXXX. But it has been several days and I can not reach anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account. I also sent a third letter. XXXX. For the record, the following information is being erroneously included on my credit report, as I have advised you on three separate occasions, more than 75 days and again 40 days ago. I feel like I am being ignored! This really is upsetting. I have been having a hard time getting the things that I need simply because my credit is horrible.I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XX/XX/XXXXbreach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

My XXXX XXXX XXXX  that was serviced by XXXX  XXXX XXXX was transferred to Comenity. I used my new card for a home repair to get the points they offered me. I received my first bill from Comenity and it contained my billing for the large home repair. The bill was due on XX/XX/XXXX. I used XXXX XXXX from my bank account and asked that the check be sent to arrive on XX/XX/XXXX. The bank XXXX XXXX confirmed that they sent the check on XX/XX/XXXX. 

As of XX/XX/XXXX my large payment of {$10000.00} had not been credited to my charge card. I called Comenity and they stated that they hadn't received the payment. In order to prevent a late charge I paid the minimum payment amount. 

I contacted Comenity several times thereafter regarding the status of my payment, both in writing ( messages on their system ) and via the telephone. They responded that they would not report my card delinquent or charge me a late fee for 90 days while they researched it. The customer service representative stated that there was an issue with the conversion of XXXX accounts onto the Comenity system and that there were others who were affected as well. That they were expecting it to take approximately 3 weeks to get rectified. I stated that my bank said that I could put a stop payment on the check but to check with Comenity first to make sure they would not charge me a bounced check fee. They did not respond to that question but once again said that they wouldn't report for 90 days. 
I have now received my XX/XX/XXXX bill and Comenit is charging me {$160.00} in finance charge. I messaged them and they stated that since I had a balance that rolled into the next billing period I was responsible for the finance charge. This can not be correct since they have my check, did not answer me whether I should stop payment on my check and told me that it was a conversion issue. 
This servicer should be put out of business! I have had an issue with them before on a store credit card. They are robbers and are making money off not applying payments on time. 
Please help me out with this issue and pursue further for all the other customers that have been taken advantage of by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND XXXX 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX   XXXX {$4000.00} XXXX XXXX {$630.00} XXXXT XXXX {$0.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$4000.00}
Product: Bank account or service

I received a counterfeit check as a deposit for a job I was supposed to do the weekend of XXXX XXXX. I deposited the check on Saturday, XXXX XXXX and it cleared and was posted to my account Monday, XXXX XXXX. On Tuesday, the funds were there, so I withdrew {$2800.00} to pay someone else working on the same production and deposited into another account at the same bank. There was no sign of a problem until after the close of business that evening, around XXXX XXXX, when I happened to look at my bank account and saw that it was - {$2300.00}. Confused and shocked, I called Wells Fargo to figure out what was going on and after speaking with XXXX people I finally found out that the check was counterfeit. They told me that I was responsible for the transaction that I had made while the check was posted and that there was no other option besides just paying the money back. I obviously would n't have made the transaction if I had known it was a counterfeit check and I was being scammed, but they did n't care at all about that. I called the police and filed a report. The next morning, I called the branch where I had made the transaction, explained the situation, including that I still had the deposit receipt and essentially begging them to do anything to help my retrieve my money and get my bank account positive again. They, too, said there was nothing they could do, but I could call Loss Prevention and they might have mercy on me. They did n't. I have now spoken with XXXX or XXXX people at Wells Fargo and no one is willing to so much as inquire into the other party 's account to see that he is a criminal. I feel very wronged, not only by the scammers, but by Wells Fargo for not caring that I have been stolen from and lied to and that the person doing it is a customer of theirs. As it stands, they have used the {$550.00} I had in that account toward the negative balance of {$2800.00} so I now owe the bank {$2300.00} ( part of which is money I worked hard to earn ) for a counterfeit check that was given to me.