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

ATTN : CFPB I need you to engage in enforcement action on my behalf against Equifax. please take action against these companies that are fraudulently reporting fraudulent accounts to my consumer report. I am a victim of identity theft and need this resolved pursuant to 15 USC 1681c-2. please hold Equifax accountable. I've been working with Office of the Illinois Attorney General XXXX XXXX, law enforcement, and the FEDERAL TRADE COMMISSION I've provided DOCUMENTS & PROOF OF THE THEFT. I made contact via phone and I mailed these documents to XXXX, XXXX, and Equifax. I've attached proof that USPS delivered and signatures upon receipt. Equifax : XX/XX/2023, XXXX XXXX  Fraudulent account due to identity theft : XXXX XXXX XXXX # XXXX XXXX Amount : {$920.00}. I filed multiple disputes for this account. Equifax has failed to remove this account. I filed three online, on 3 separate disputes Equifax said it was verified. Im sure I filed a dispute more than 5 times for this account. How can an account associated with identity theft be verified. Equifax failed to show verification proof. Equifax and XXXX XXXX are illegally reporting to my consumer report. This is decimation and defamation of character. If this account isnt removed I will be filing a federal lawsuit. I will be seeking monetary relief. Ive provided Equifax in accordance to 15USC 1681c-2. Why is Equifax committing fraud? I sent more than enough. Equifax is continuously committing fraud and not being held accountable. I demand this account me removed ASAP!!! CFPB Im aware that youll have been receiving a surplus of complaints and Equifax is capitalizing from this. Please hold them accountable. XXXX and XXXX have deleted the account. Only Equifax is still illegally reporting this fraudulent account. Equifax is reporting multiply address on my report. There should be XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX should be deleted. The identity theft has been using those addresses. The only address on my file should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax disputes : Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # : XXXX Submitted : XX/XX/2023 Completed : XX/XX/2023 Results : VERIFIED ( Violation ; account isnt mine fraudulently opened. ) Confirmation # XXXX Submitted : XX/XX/2023 Completed : Pending ( hopefully Equifax stops breaking the law and remove this fraudulent account. 

Congress put these laws in place to be enforced. No person or company is above the law. Equifax isnt abiding by these laws. They must be held accountable. If not must be prosecuted to the full extent. Im a victim of their data breach and I have yet to receive my settlement.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit act has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

EXPERIAN is not INVESTIGATING PERSONAL INFORMATION and ACCOUNTS LAWFULLY, simply telling me they are verified is not the law. My request to be provided with the documents that Experian has in their files that you used to verify the disputed accounts which means that they have NOT verified or they can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA - Experian is required to " ... promptly delete all information which can not be verified. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent documents to all 3 credit bureaus that were notarized demand letters, and they did not comply with the letters
Product: Debt collection

SUNRISE CREDIT SERVICE has flagged your account as Collections.

Today SUNRISE CREDIT SERVICE has flagged your account as Collections on XX/XX/year>. 

Source : XXXX XXXX : SUNRISE CREDIT SERVICE Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/year> Balance : {$1300.00}
Product: Debt collection

I have had XXXX initial contact with ACB Recovery and in that conversation, I have stated that I did not have the means to pay because I was disputing the charge. I told the person, that I would contact THEM once the balance with the payee was resolved. Since that conversation, ACB Recovery has called me everyday for a period of more than XXXX consecutive days between the hours of XXXX. This constitutes harassment.
Product: Checking or savings account

1. On XX/XX/2021 - I opened a XXXX Checking account online at XXXX and applied a coupon. The coupon is : Make two separate {$1000.00} deposits and get {$400.00} bonus. Here are the details about the coupon recorded by a third party. https : XXXX XXXX. On XX/XX/XXXX - I deposited the first {$1000.00}. 
XXXX. On XX/XX/XXXX - I deposited the second {$1000.00}. 
XXXX. In early XXXX ( before XX/XX/XXXX XXXX - I called the Capital One customer service. I was told that I have successfully applied the coupon and the bonus would be in my account before XX/XX/XXXX. 
5. In early XXXX ( before XX/XX/XXXX XXXX - I called again and they told me the bonus will be in my account before XX/XX/XXXX. 
6. On XX/XX/XXXX, I called again. This time, the specialist told me I would not receive the bonus because I was not qualified for some reason, but the reason was unknown. 

Based on the above facts, I believe it's totally fraud and thus report it here.
Product: Credit card

I opened a Platinum Secured account ending in XXXX in order to build my credit score. I opened with a minimum amount at first and deposited more money electronically so that my credit limit will be at {$500.00}. This is a Secured Account. The representative I spoke with at the time of opening this account- around XX/XX/XXXX- said that due to no credit history at all, whatever my security deposit amount will be my credit limit. I thought that was fair and understandable. That's why I added more money to increase my secured credit card limit. Of which, it did to {$500.00}. 

My daughter helped me with the additional deposits and these funds came from her account. My daughter 's account has been closed since XXXX. 

We have closed this Platinum Secured account ending in XXXX in XXXX and have yet received the Secured deposit. Upon calling today, XX/XX/XXXX, Capital One said that they will only return {$99.00} since I can not produce the statements that I deposited more money to increase my credit limit. 

Capital One refusing to return my security deposits. Please help.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill
Product: Debt collection

This company contacted me on behalf of XXXX XXXX XXXX for what they're referring as delinquencies for a payment I made but that has not posted to the account. A payment was made to XXXX XXXX via ACH transfer on XX/XX/year>, and that payment has not been posted to my account. As a result, XXXX XXXX is adding late fees such that the current balance exceeds the credit limit, although I'm still making my regular monthly payments. The company requested that I submit proof of payment via US Mail ( they will not accept any emails or fax ) which I did on XX/XX/year>, however, the matter is still unresolved, and this collection agency is attempting to collect a debt that has been paid. I have informed the company and submitted proof of payment but the matter remains unresolved.
Product: Student loan

I 've requested, on numerous occasions now, a copy of my original master promissory note, and every time I have received something different. One of the " different '' documents I recently received was a copy my application for loan consolidation. I believe the date on the document ( X/X/07 ) was forged because the date next to my and my father 's signatures was when I was temporarily living ( 2 months ) in a different state to help a friend with his landscaping company and the place that we stayed had a p.o. box address that I had never given to anyone. I lived there from XX/XX/XXXX to XX/XX/XXXX. The date is also written in handwriting that is neither of ours.
Product: Student loan

Navient is offering an interest rate decrease by 1/4 percent and rate freeze on variable rate interest, but only if you use a scheduled direct withdraw from a bank. By doing so, it discriminates against those who : 1 ) Use a debit or check card, even with a regular payment schedule 2 ) Send money via postal money order or certified check 3 ) People who can pay cash
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with EQUIFAX for quite sometime in regaurds to several fraud accounts that were once removed but have since been re-reported. I have sent in police reports aswell as valid notarized ID THEFT AFFDIVT AND FTC complaints and SUPPORTTING DOCUMENTS proving my ID THEFT and fraud. Equifax will not remove and are block anything even though they did in the past. updated documents have been sent in!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. I'm looking forward that the following items will be repaired or removed ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Sirs, Despite my repeated efforts, TransUnion continues to report inaccurate information, which has caused me significant harm. I have sent multiple letters ( with attached certified mail proof marked as Transunion XXXX ) and have also submitted several complaints through the CFPB portal ( Cases numbers after this paragraph ). However, TransUnion has consistently responded by claiming they have " verified '' the account. This approach is both unnecessary and incorrect. The account should be deleted, as it contains severe inaccuracies that violate the law. 
Previous Cases, company did nothing : XXXX XXXX XXXX I hereby outline the inaccuracies reported by TransUnion, which are unrelated to any account verification processes that TransUnion has repeatedly and improperly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As demonstrated in the attached document marked TU XXXX Reporting Updates, TransUnion has been unlawfully updating a charged-off account on a monthly basis. This practice is not only inaccurate but also violates the Fair Credit Reporting Act ( FCRA ). 
2. Inconsistent Reporting Across Credit Agencies : The attached document, marked XXXX Reporting Differences, clearly illustrates discrepancies between the reports from XXXX, TransUnion, and XXXX regarding the same account. Specifically, the Date Last Active is reported differently by each agency. Such inconsistencies are not only inaccurate but also constitute a violation of federal law under the FCRA. 
These actions by TransUnion are in direct contravention of the law, and I demand immediate deletion of this inaccurate account from my credit report. Failure to correct these inaccuracies may result in further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax deleted my current Student Loan causing my credit score to drop over 50pts. My account is current and up to date. My loan servicer which is XXXX XXXX is reporting to them monthly. My student loan shows on my XXXX acct and my XXXX account but not on Equifax. I faxed in my ID, tax documents, the loan agreement and documentation that was sent to me by XXXX XXXX on XX/XX/2021. They have stated that they may have split my account in 2 causing the error and that they do not show my paperwork that I've sent in. I verified that fax number several times with them and received feedback that the fax was submitted successfully.
Product: Debt collection

COLLECTION RECEIVABLES I HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

i notice some inaccurate information on my credit report so on XXXX XXXX i sent some letters to all 3 CRA 's requesting the validity of the inaccurate and incomplete information reporting on my credit report, per 15 usc 1681i. I haven't heard anything thus far and this is XXXX XXXX
Product: Mortgage

I am a XXXX, XXXX elderly man who is having issues with Wells Fargo, my mortgage company. My monthly payment has grown from {$800.00} to {$1600.00} without proper explanation. I have asked Wells Fargo to not pay my insurance because I pay it myself and they are still adding addition escrow payment onto my monthly payment. As a result, I am paying my own insurance and property tax, and so are they and yet I get no money returned to me. I have tried to work this out with Wells Fargo and to no avail. I am currently XXXX months behind on my monthly payment and while I was able to afford the original payment of {$800.00}, I simply can not afford {$1600.00}. This issue is greatly affecting my health and well being and I am seeking your help in resolving this issue. Thanks in advance for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasion I have submitted disputes asking XXXX to correct the incorrect information they have listed on my credit report and to no avail they have refused to correct the information or investigate correctly!! I have contacted the creditor and they have sent me documentation that the account XXXX for the amount of {$72.00} has been paid in full! I have called I have sent documentation and they still will not correct the information Please assist in XXXX correcting this information as it is tanking my score lower and lower causing my financial stress!
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander has been illegally re-aging my loan and reporting the wrong amount. They are reporting a {$15000.00} and sent a fake deficiency of surplus letter that says it was dated XX/XX/XXXX however that is NOT correct. The vehicle was sold on XX/XX/XXXX and I have a settlement letter that shows the balance being {$12000.00} including the principal balance of {$8300.00} from XX/XX/XXXX. I have all of my credit reports which they have NEVER stated I owed a balance of {$15000.00} until XX/XX/XXXX where they also changed my loan term from the original 72 months to 77 months. They have also reported a 76 month term to my credit while increasing the balance. They are switching around documents that have been sent to me in order to try and obtain more money while attempting to demolish my credit. They have no explanation on the misc fees they have added on to the original principal balance of {$8300.00}. Santander as also removed this account 3 times without notification of it being reported back. Santander also stated my vehicle was repossed for failure to make payments on time and my account was 59 days past due at the time of repossession which is also FALSE! A payment was made in the amount of {$2100.00} on XX/XX/XXXX. The vehicle was in the impound which is where Santander got the vehicle from. It was never repossed for non payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called and contacted all of the following consumers informing them that the following inquires in my Transunion credit report are unauthorized and not mine as Im not in the market for a vehicle, refinance, or any other product that requires financing terms. I would like them removed. 
XXXX XXXXXXXXXXXX XXXX XXXXt XX/XX/202XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

While viewing my credit report I seen Merchants Credit guide balance of {$230.00} & {$290.00} which I do not recall these two accounts or company.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX is reported duplicate on my credit report, I do not know the reason why. I only have a single student loan, please remove the duplicate entry. The student loan was temporarily suspended, and my loan holder granted forbearance. Please remove this inaccuracy from my credit report
Product: Debt collection

I request the deletion of this inaccurate account from my credit report. I did not consent to its creation or usage. Enclosed are the necessary documents to support my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a account on XX/XX/22 which was a week that account was paid off and closed. I then reached out to XXXX to confirm this information and they mailed a letter stating this account was paid in full. When trying to dispute the account again in XXXX it still didnt update my report. Now its almost XXXX and that information still reflects incorrectly on my account and I am trying to open a business and obtain a loan and this is interfering astronomically.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX SSN XXXX XX/XX/XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingTheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

Failure to Comply or delete these items15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, andFederal Trade Commission. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) PLEASE DELETE OFF MY REPORTSincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the removal of fraudulent items from my credit report. It has come to my attention that there are inaccuracies on my credit report that are a result of identity theft and fraudulent activity. I am taking the necessary steps to address this issue, and I kindly request your assistance in resolving this matter. 

This collection account is the result of fraudulent charges and is not associated with my financial history. I have already reported this to law enforcement and the creditor. 

I have taken steps to report the identity theft and fraudulent activity to the relevant authorities and have obtained police reports and incident reports documenting these incidents. I am enclosing copies of these reports, along with any other supporting documentation that will assist in your investigation. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the removal of fraudulent items from my credit report. I request that you conduct a thorough investigation into the fraudulent accounts mentioned above and promptly remove them from my credit file. 

I understand that you may need some time to conduct your investigation, but I kindly ask that you notify me of the progress and provide updates as soon as possible. Additionally, please provide me with a copy of my updated credit report once these fraudulent items have been removed. I am asking for your assistance to remove the following fraud items : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

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: Vehicle loan or lease

So, I made a car loan payment of {$92.00} on XX/XX/2023 and it seems five days later on this day of XX/XX/2023 my balance still shows {$12000.00} meaning my principle balance has not lowered to XXXX. I think Bank of America is hearing some bad gossip about me and holding accountable and making my an unfair price of fraud.