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

My complaint is against Equifax and  XXXX . There are liens appearing on both. The liens are  PAID. T he liens were filed " after the fact ''. The debt was satisfied before the liens were filed. Yet, they refuse to remove since the liens were filed in error. They are going to keep on my files for 10 years. This is absolutely insane. This is causing me much   XXXX   as I am attempting to purchase a home. As long as the loans appear on file, even though they are paid, lenders are declining credit or charging exhorbitant interest rates. I did not have this same problem with   XXXX  . Equifax and   XXXX    should be held accountable. They are truly inept and have horrible customer service agents. Why do we have to have (  XXXX  ) bureaus, any way? This is absurd ... ..
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I opened up a store credit card at Old Navy which uses Synchrony Bank for their cards, I feel that they intentionally held my check which was sent easily before the due date in XXXX 2016 for the full balance of {$27.00}, in order to charge late fees and now interest on top of late fees, ... since this happened in XXXX 2016, they continue to add late fees every single month on top of interest charges, and I refuse to pay this since I paid for all the items I purchased at the store in full. If you look at my credit report, you will see that I have never really ever paid interest on credit cards for the last twenty years of my credit history, since I pay them off every month in full, and so it is clear that this is a blatant effort on the part of Synchrony Bank to try to profit even further from my credit account ( and probably other consumers too ), this is an egregious and predatory practice that needs to stop! My credit rating should not be affected by the credit law violations of this lender. Now it appears that they want XXXX dollars from me just for late fees and interest charges, when I paid for all the merchandise from the store in full, and on time.. I even attempted to go in to the store to make a payment, but the Old Navy store reps stated they do not accept credit payments there, so I just waited for my card statement to arrive by mail, and then sent it in on time ( even though by the time I received the balance due statement by mail it was very, VERY close to the due date- another predatory practice ), I feel that they hung on to my check I sent to them just long enough to be able to charge late fees, which I absolutely and unequivocally refuse to pay. I tried contacting customer service about this on several occasions, they would not remove the charges, and on two different calls with them they proceeded to give me two separate numbers to contact for dispute resolution ( XXXX the first time, and the 2nd time the number given was XXXX, ..but if you were to try calling these, both of these numbers are not valid or working numbers which further shows what kind of lender this is. ) Attached are copies of my payments in full and the statements they send showing erroneous late fees and interest. Thank you for the help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXXDate of Inquiry XX/XX/2020 XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX-Date of Inquiry XX/XX/2020 XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX XXXX XXXX XXXXDate of Inquiry XXXX XXXX, 2020 XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXXXXXX XX/XX/XXXX-Date of Inquiry XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues Related to Wells Fargo Home Mortgage : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with Wells Fargo Bank. Wells Fargo was notified of the bankruptcy on XX/XX/XXXX. At that time, WF ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with Wells Fargo. I applied for mortgage assistance several times, and in the process, Wells Fargo referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with XXXX, XXXX  and XXXX. I found that Wells Fargo reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called WF on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that WF was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first WF representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

WF has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the WF account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to WF.
Product: Credit reporting or other personal consumer reports

A Sham investigation we doone. I am submitting a formal complaint regarding a series of concerns related to my credit report with Equifax, specifically involving the Equifax Data Breach and the verification of XXXX XXXX account. 

1. Equifax Data Breach and Impact on My Credit Report : I am deeply concerned about the effects of the Equifax Data Breach that occurred in 2017, which compromised the personal information of millions of consumers, including mine. Despite assurances that Equifax would take steps to mitigate the impact, I believe my credit report still contains errors or inaccuracies stemming from this breach. 

In particular, I have noticed discrepancies related to my XXXXXXXX XXXX  account, which I believe may have been impacted by the breach. I dispute the accuracy of the information reported, and I feel that the measures taken by Equifax to correct this issue have been insufficient.

2. Dispute Process and Verification of XXXX XXXX Account : I initiated a dispute with Equifax regarding the information reported by XXXX XXXX on my credit report. According to the response I received from Equifax, the company confirmed that the information was accurate and that XXXXXXXX XXXX reporting was correct. 

However, I have not received a clear or detailed explanation of the steps Equifax took to verify the accuracy of the information reported by XXXX XXXX. The dispute investigation process was not adequately explained, and I was not provided with sufficient documentation or a breakdown of how Equifax communicated with XXXXXXXX XXXX to validate the information. 

The lack of transparency and failure to provide supporting documentation has led me to question whether the verification process was thorough, especially in light of the data breach. It is my belief that this may have contributed to errors or inaccuracies in the data reported by XXXX XXXX
Product: Debt collection

Portfolio Recovery has reported a fraudulent charge as a collection account on my XXXX, XXXX  and XXXX  credit reports, the account has been previously corrected by the credit bureaus and blocked per [ 15 U.S.C. 1681c2 ], Portfolio Recovery changed the account number and/or creditor information for purpose of deceiving the credit bureau and reporting it as a new collection account on my credit reports. I have provided Portfolio Recovery with a copy of my ID theft police report as well as a copy of my FTC affidavit via certified mail and they continue to request documents which have already been provided and have refused to remove the negative information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX placed a collection account on my credit report in XX/XX/XXXX. They brought a XXXX suit against me ; however, the case was dismissed. The item remains on my credit report. The item should not be on my credit report and should have never been placed on my credit report. It needs to be removed. 

I disputed information regarding XXXX XXXX on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have provided supporting documentation each time to the credit bureau. The last time I disputed, I notified them that they could reach out to the court house to obtain proof that the case against me was dismissed. The collection item still remains on my credit report. 

This collection item needs to be removed completely from my credit report.
Product: Debt collection

My Att & t credit card was protected by credit protector, safeguard. When I became ill it should have been paid off. At & t sold as debt to collection agency. Why was it not paid? 
I calculated monthly safeguard payments by years paid and it was enough to cover debt. 
The collections company is trying to shake me down for money and filed case in XXXX County Common Please Court.Please help me resolve this matter and thank you for your assistance it would greatly be appreciated. 

Contact information : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am complaining about Rise Credit. During the aplication process they leave the consumer in the dark. I was not in any way aware of the cost of fees and intrest I would be paying. I would of never consolidated my credit cards. Thier intrest is 198 % charging me XXXX dollars a day for a XXXX loan. I have made 2 payments of XXXX my loan amount has gone up XXXX in 2 weeks, even with the 2 payments. There is no way out of this loan. It is robbery. It is taking advantage of people in need of finances under extreme stress and despiration. This company needs to be shut down. My mother was able to loan me the money to get out from this. If I didnt have her help I would of ended up paying XXXX by the end of the loan. This should be illegle to charge that much intrest to the consumer. Rise needs to be put out of busniess.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Tuesday XX/XX/XXXX I contacted XXXX, XXXX and Equifax to dispute incorrect information that is reporting on my credit report. I also mailed certified letters to each bureau on XX/XX/2023 to officially dispute the inaccuracies. As of today XX/XX/2023, the inaccurate information is currently reporting.
Product: Credit reporting or other personal consumer reports

This claim is fraudulent & illegal and misleading. I did not and never gave them or XXXX XXXX/WEST LAKE FINANCIAL SERVICES XXXX XXXX XXXX/XXXX XXXX XXXX AND XXXX XXXX the permissible permission to make or host such remarks ( 15 U.S. Code 1592,1681 bc
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
What happened ( statement of pertinent facts ) : Consumer Name : XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan from 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... These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief. 
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX.
Product: Credit card or prepaid card

I NOTICED SEVERAL FRAUD CREDIT CARDS OPENED UO IN MY NAME AROUND XXXX OR XX/XX/2018 THAT I DIDNT OPEN AND I NEED ANY INFO THAT WAS PROVIDED TO OPEN THESE CARDS IN MY NAME WITHOUT MY CONSENT. I CHECKED MY CREDT TODAY ON XXXX XXXX AND I COULDNT BELIEVE HOW MY CREDT HAS DROPPED TREMENDOUSLY DUE TO THESE FRAUD ACCOUNTS. I NEVER SIGNED FOR ANY CREDIT CARDS OR APPLIED FOR A SAMS CARD NOR WALMART CARD THIS IS FRAUD AND I AM ASKING FOR A COMPLETE INVESTIGATION.
Product: Credit reporting or other personal consumer reports

I see that TransUnion and XXXX are reporting XXXX XXXX somewhat negatively on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or written consent to report this on my credit reports. Under the Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. TransUnion and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Also, I see a lot of transaction history being reported including the high utilization that's being reported but according to 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Then 16 CFR 313 - Privacy of Consumer Financial Information, helps back my point that all the transaction history is illegal to report and should not be reported on my credit reporting 's from what 15 USC 1681a section states. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TransUnion and XXXX are not maintaining reasonable procedures.
Product: Money transfer, virtual currency, or money service

Chase quick pay with XXXX XXXX Money sent through XXXX to sellers bank account. Tickets not received. {$600.00} sent from chase to sellers bank. Unable to stop authorization once sent. Delivered and accepted. Tickets never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian does not show account # XXXX XXXX XXXX XXXX on my credit report and I have had this account for several years. In which there is no balance at this time. I have also attach a copy of my last billing statement for XXXX XXXX Bank
Product: Debt collection

This is a complaint from XXXX XXXX against Capio Partners for Capio Parnters 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Capio Partners. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting or other personal consumer reports

Hello Pursuant to the Fair Credit Reporting Act ( FCRA ), I am writing to address issues related to identity theft and inaccurate information on my credit report. I request your prompt attention to the following matters : 1. Blocking Fraudulent Information ( 15 USC 1681c-2 ( a ) ) : This statute mandates consumer reporting agencies to block information resulting from identity theft. I request the immediate blocking of all accounts fraudulently opened in my name.

2. Disputing Inaccurate Information ( 15 USC 1681i ) : Under this section, I have the right to dispute and request the deletion of any inaccurate or unverifiable information on my credit report. Please investigate and delete any such information associated with this breach.

3. Ensuring Accuracy ( 15 USC 1681e ( b ) ) : This provision requires consumer reporting agencies to maintain reasonable procedures to ensure the accuracy of information. I request a thorough review of my credit report to identify and rectify any inaccuracies stemming from this breach. 

4. Access to Consumer Report ( 15 USC 1681g ( a ) ) : As provided by this statute, I request access to my complete consumer report to review all information being reported and identify potential inaccuracies resulting from this breach.

5. Preventing Misreporting of Negative Information ( 15 USC 1681m ) : Please ensure that any negative information resulting from this breach is not inappropriately reported.

6. Right to Seek Damages ( 15 USC 1681n ) : I reserve the right to pursue damages for any violations of the FCRA should you fail to comply with my requests. 

XXXX XXXXXXXX XXXX XXXX Please confirm receipt of this letter and provide written confirmation of the actions taken to address my concerns. Additionally, I request an update on any measures you are implementing to safeguard my personal information. 

Thank you for your prompt attention to this matter.