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

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX Equifax : Re : Pre-Arbitration Demand Discrepancies in Credit Reporting of [ Creditor Name ] Account Dear Equifax, I hope this letter finds you well. I am writing to bring to your attention some serious discrepancies in the reporting of an account listed on my credit report. The information reported by Equifax, as well as other credit bureaus, regarding the XXXX XXXX account is inconsistent and appears to be the result of identity theft. I am attaching two exhibits to support my claim and have also submitted an Identity Theft Report to the Federal Trade Commission ( FTC ). 
I request immediate investigation and resolution of the following discrepancies related to the XXXX XXXX account : Inconsistent Account Open Dates : The credit reports from all three major credit bureaus ( Equifax, XXXX, and XXXX ) show different account open dates for the XXXX XXXX account. On my Equifax report, the open date is listed as XX/XX/2023, while on XXXX and XXXX reports, the open dates are shown as XX/XX/2023 and XX/XX/2023, respectively. This inconsistency raises serious concerns about the accuracy and legitimacy of the reported account. 
1. Identity Theft Report to FTC : On XX/XX/2023, I filed an Identity Theft Report with the FTC XXXX, providing all relevant details about the fraudulent activities related to the XXXX XXXX XXXX XXXX account. The FTC has acknowledged my report and is actively investigating the matter. I expect Equifax to cooperate fully with the FTC and provide any necessary assistance in their investigation. 
Exhibits : Exhibit A : Equifax Credit Report showing XXXX XXXX account details and discrepancies 1. Exhibit B : Identity Theft Report filed with the FTC I demand that Equifax takes the following actions immediately : Conduct a thorough investigation into the discrepancies surrounding the XXXX XXXX account and update the information on my credit report accordingly, consistent with the findings of the investigation.

1. Remove any negative remarks or notations related to the disputed account while the investigation is ongoing.

2. Provide me with a detailed written explanation of the results of the investigation once it is completed.

3. Coordinate with the other two major credit bureaus, XXXX and XXXX, to ensure that the information regarding the XXXX XXXX account is consistent and accurate across all reports. 
Failure to comply with this pre-arbitration demand within 30 days of your receipt of this letter will leave me with no choice but to pursue legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. Please be aware that such legal action may result in Equifax being liable for statutory damages, actual damages, attorney fees, and costs. 
I expect prompt attention to this matter and request written confirmation of your receipt of this letter and your acknowledgment of the ongoing investigation. You may reach me at XXXX for any communications related to this dispute. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX
Product: Consumer Loan

I purchase a car for XXXX dollars with XXXX dollars down payment the remaining balance XXXX dollars in XX/XX/2015 the car is a used XXXX.I bought the car from a local used car dealer shop. he sold the account to Nicholas Financial.INC XXXX XXXX FL.XXXX now they say my pay off balance is XXXX dollar and more please help me.
Product: Credit card

in XX/XX/year> my wife bought hearing aids at a hearing aid office near our house. the price was approximately {$4500.00}. they asked us if we wanted to pay all up front or in equal payments over 5 years. we chose the over time option and signed up for direct withdrawals from our checking account for about $ XXXX. the hearing aid office said it was being done through synchrony bank. we went paperless to save the environment and for XXXX years had the monthly withdrawals with no issues and no notifications from synchrony. in XXXX of this year our payment suddenly jumped to {$150.00} with indication why. i contacted synchrony about this and was told that we were on a " two year interest free promotion '' and that the two year period had expired without us paying off the full amount and we had over {$2200.00} in back interest added to our balance which was now at {$4500.00} again - the same amount as our hearing aid purchase despite making XXXX years of payments. i said we had no idea about any such promotion and had received no notification of such from them. they said it was our responsibility to check statements online and the statements contained the notification. i said this was fraud and was taking advantage of us not being informed about the promotion and receiving no notification, not even an email, since we were paperless. i offered to pay the full balance before the interest was added and they said they couldn't accept it as the " XXXX grace period '' had expired. 
they knew exactly what was going on by not notifying us of something we were completely unaware of and i believe this is out and out deceptive consumer practice and fraud. we checked online and discovered synchrony has had judgments against them for consumer fraud but yet they are allowed to continue this behavior toward unwitting consumers. please stop them from doing this to others. 

thank you
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate removal of the fraudulent car loan account associated with the above account number. This account, falsely listed under the name " XXXX XXXX '' which is not my legal namewas fraudulently opened during the COVID-19 pandemic. My legal name is XXXX XXXX XXXX, and I never authorized or opened this account. Your companys continued reporting of this account as " In Collections, '' " Profit Loss, '' " Late Payments, '' and as an open account is a direct violation of multiple consumer protection laws. 

Your actions are in violation of the following laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) : You have a legal duty to report accurate information to credit reporting agencies. By reporting this fraudulent account, you are breaching your responsibility to maintain accurate data. 

FCRA, 15 U.S.C. 1681s-2 ( b ) : Upon receiving a dispute notice, you are required to investigate the accuracy of the disputed information. The fact that this account was opened under a fraudulent identity clearly indicates the inaccuracy of your reporting. 

Identity Theft and Assumption Deterrence Act : This act protects victims of identity theft by ensuring their personal information is not used without authorization. Your companys failure to verify the identity of the person opening this account and reporting payments under my name without my consent is a violation of my rights as a victim of identity theft. 

FCRA, 15 U.S.C. 1681i : As a consumer, I am entitled to a prompt investigation of disputed information. By continuing to report this fraudulent account without taking immediate action, you are in breach of your obligation to investigate within the required 30-day timeframe.

FCRA, 15 U.S.C. 1681e ( b ) : Consumer reporting agencies and furnishers are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report. Your companys reporting of an account opened under a different name violates this provision.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received emails from XXXX, XXXX and XXXX advising that three hard inquiry 's were made on XXXX. The inquiries were made by XXXX, Capital OneXXXX and XXXX XXXX  XXXX XXXX for credit. My credit score was immediately dropped. I contacted the credit reporting agencies by phone to let them know that I did not apply for credit from XXXX, Capital One or XXXX XXXX XXXX. I also disputed these inquiries with the agencies online. I explained that I already have credit cards with Capital One and Discovercard and I have never heard of XXXX XXXX XXXX. I was told that I need to contact XXXX, Capital OneXXXX and XXXX XXXX  XXXX directly and let them know that I did not apply for credit from them. I spoke with representatives from all three companies and was advised that these accounts would be closed and reported to their fraud department and they would contact the three credit monitoring agencies to have the hard inquires removed. 

I immediately put a freeze and a fraud alert on my XXXX, XXXX and XXXX accounts. 

It became clear to me that someone was trying to steal my identity because on XXXX I received a change of address verification from the U. S. Postal Service that was made on XXXX. Someone was trying to get my mail sent to them. I immediately contacted the USPS and let them know that I did not request an address change. I was contacted by the Post office on XXXX and provided with the address the mail was to be forwarded to. I then spoke with Detective XXXX XXXX and filed a police report on XXXX with XXXX Police Department in XXXX, TN providing them with all of the information I received from the Post Office on the person trying to steal my identity. This report can be obtained from XXXX XXXX XXXX XXXX Department Case No. XXXX. I also reported this to FTC Identity Theft. Enclosed is a copy of the report. 

All three credit monitoring agencies have removed the hard inquiries of XXXX and XXXX of XXXX. However, the Capital OneXXXX hard inquiry was removed only from XXXX and XXXX but has NOT been removed from XXXX. I have disputed this with XXXX several times and they continue to leave this hard inquiry on their report. 

I am requesting that XXXX remove this unauthorized Hard Inquiry by Capital OneXXXX from my credit report.
Product: Mortgage

I had submitted my loan modification package to chase back in XXXX 2017. Until today I do n't have an answer of denial or approval. We had submitted all documentation required for the loan modification. and I just never get a chance to speak with someone. Always answering machines and rudeness customer service rep. Chase had changed our relationship manager over ten times so we ca n't never had a clear communication with anyone. Everytime a new relationship manager changes the story changes and we starting all over again. We are exhausted with the discrimination of background that we are receiving. I 'm XXXX and I feel discriminated and thus why Chase does what it does. 
My account with chase is clean, never defaulted and long time customer but chase seems that it 's ok for them to discriminate based on my background. I 'm reaching up to the authorities to investigate this discrimination issue and I will be contacting an attorney based on this issue. 
We are seeking a principal reduction so we can pay off the loan. I do n't have a job, I 'm sick with XXXX XXXX and I ca n't just take more headache from a company that does n't care about their loyal customers. So please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S Dept Of EdXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1.XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. Us XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion credit report, there is XXXX XXXX/XXXX XXXX credit card which reports : " Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX ''. This can not be possible, since the Date Closed was XX/XX/XXXX and Last Payment Made was XX/XX/XXXX. 

I disputed the information through Transunion, stating that the late payment information was incorrect. This dispute was " resolved '' by the company stating that the information was correct, without any documentation or evidence. 

A dispute into adverse information should have to be resolved by proper documentation. Transunion should not report adverse information ( especially after a dispute ) in which a company simply states is correct. If the company can not prove the late payments, they should be dropped. 

I then contacted the company ( XXXX XXXX ) and was told that my account had been sold and that there was no records of my account history. XXXX, who the account was sold to, could not help me either, since they were not the reporting party. I am stuck between two companies, neither of which have any willingness to help.
Product: Money transfer, virtual currency, or money service

I transferred {$470.00} to my crypto.com XXXX wallet via my XXXX XXXX prepaid debit card in XX/XX/2022. On XX/XX/2022 it shows the transaction cleared my account with XXXX XXXX but as of tonight XX/XX/2022 its still pending and unavailable for withdrawal. Crypto.com disclaimer says it will take up to 7 business days and it has been 9 days, today was the XXXX business day after the XXXX counting the XXXX as day XXXX. Customer service is refusing to escalate my ticket and telling me to wait and be patient, and they will not let me speak to someone else. This is beyond a reasonable amount of time and I am continuing to lose money by not being able to use it for investment purposes.
Product: Debt collection

XXXX called 10 to 15 times a day using different numbers. When I answer the caller is rude and stated that there is a body bond out there and that I will be arrested if I did n't pay the debt. signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did no comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) 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 XX/XX/2022 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 CO ( XXXX ) - ( XXXX ) XX/XX/2022 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 or other personal consumer reports

Experian manages XXXX other credit reporting agencies through their website. ( XXXX and XXXX ) Each credit reporting agency has different information on my credit report. I am agent for XXXX XXXX only. I do not use XXXX  other name, nor have I used XXXX  other name in the past or authorized any other name to be used. Experian, XXXX, and XXXX all have different information on credit file which is a violation of laws in place to protect consumer. 

-The addresses listed on my credit reports are non-mailable addresses that should have been removed : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX General XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX do not have a job so I am not sure why XXXX  the jobs are listed as XXXX XXXX XXXX XXXX. 

XXXX Accounts. 
I am being harassed by this creditor and late payments should not be on report per 15 USC 1666 Correction and billing errors. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 USC 1666 ; 11 USC 1692 ( d ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following was not authorized and request to be removed : Justice 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 : XXXXExperian has not investigated the matter or provided report of investigation even after proof was submitted. Per 15 USC 1601, request deleted from credit file or listed as paid as agreed. I do not owe XXXX  to this creditor XXXX. The creditor was paid already and falsely reported. Experian allowed the creditor to post fraudulent reporting without requested investigation and now has allowed creditor to change information again without proof or investigation. 
I have not received 1099 C for XXXX  of the XXXX XXXX accounts which are considered fraud. i have not received XXXX  notice XXXX  or otherwise asking if I want to opt out. 

XXXX  ACCOUNTS : Experian is reporting wrong dates and the following accounts as open which is not under FCRA Compliance. 
XXXX XXXX XXXX alleged account is not XXXX  and more than XXXX  no reporting until I disputed the charge. Experian refuses to investigate. Failed to provide contract or evidence requested. 

XXXX $ XXXX my acct and I have disputed this information. However, Experian failed to investigate. 
Both accts are actively engaged in ghost reporting to make it appear as though the accounts are active and open. My information was shared with these creditors in which I did not authorize. 

XXXX  items above, I requested deletion, updated as paid as agreed, and or removed as appropriate and I have received no assistance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX XXXX  XXXX # XXXX XX/XX/XXXX -- {$220.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$30000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$3200.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$450.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$720.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX -- {$670.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$3000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, 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: Debt collection

XXXX Collection opened XX/XX/2019 Account type Collection Account Paid  off : 0 % Balance on XX/XX/2019 Original balance {$0.00}
Product: Credit reporting or other personal consumer reports

Credit Karma sent me a notice that my credit score had dropped over XXXX points due to missing payments on a XXXX XXXX XXXX account. I have never opened a XXXX  account and do not have a XXXX  card. I noticed this issue on XX/XX/. I filed a dispute to with Credit Karma on XX/XX/. I called XXXX on XX/XX/XXXX  ( was connected with the Fraud department ) to confirm there is no existing account with my SSN and information. I flied a
Product: Credit reporting or other personal consumer reports

Transunion has not provided me a copy of my credit report since XXXX. To date, I have made multiple requests via US Postal mail and telephone which are being ignored and denied. Every year I go online for my free annual credit report and every year Transunion is the only agency that will not provide the report. In XXXX I complained to Transunion about having website trouble. I spent hours on the phone and the issued was resolved. I explained to the representative that every time someone helps me log in, the username and password never works for the next log in. From that last phone call in XXXX until today, the agency is refusing to provide me with access to my credit report. In XXXX of XXXX I mailed the agency proof of address and a copy of my Georgia driver 's license. I never received a response. I have had to rely only on my XXXX and XXXX reports. Every time I attempt to login into Transunion website, I get an error message that my information does not match. In XXXX of XXXX, a mortgage lender advised me that all 3 credit bureaus are reporting mismatch information for the same accounts. On XX/XX/XXXX, I reached out to Transunion to make another attempt to gain access to my credit report. I was on hold for 10 minutes, the phone disconnected, and I received a link stating that my call needed to be completed via text message. I have provided a copy of that text with this complaint. On XX/XX/XXXX, I attempted again to gain access to my reports through a third-party company. The company advised me that Transunion is stating my social security number does not match. I reached out to Transunion and expressed my years of frustration. The representative told me that because my account had not been used, the account cancelled. She explained that I would need to recreate an account. I explained to her that I hear this same info every time the account is not working, and it is always inaccurate. I requested that she remain on the phone while I attempted to recreate the account, she refused. After the call disconnected, I tried creating new account and could not due to error message that info does not match. I called Transunion back and rep instructed me to email my driver 's license and a utility bill to the fulfillment department. I followed the instructions and received and email back stating they could not verify me. I have had the same Georgia driver 's license for the past 10 years and suddenly this agency can not verify me. This is a clear FCR violation. They are flat out refusing to provide me with my credit information and reporting.