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

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Legal Action - Violation of Rights and False Reporting Dear Sir/Madam, I am writing this letter to bring to your immediate attention the persistent violations of my rights and false reporting on my credit accounts. Despite providing concrete evidence of being a victim of the XXXX Equifax data breach, you have consistently failed to verify and remove inaccurate information from my credit report. 


As a victim of the Equifax data breach, I have supplied you with substantial evidence, clearly establishing my identity theft and the fraudulent activities perpetrated in my name. However, I am deeply disappointed by your continuous reporting of credit accounts that can not be verified by your respective companies. This flagrant disregard for my rights is unacceptable and will not be tolerated any longer. 


Moreover, I have previously informed you of the fraudulent car loan document from XXXX, where my name was falsely used. I have presented you with documentation that includes a police report, providing further proof of this fraudulent activity. Despite these efforts, you have neglected to take appropriate action, reinstating the false information on my credit report without providing any valid justification. This is not only a violation of my rights but also a clear demonstration of your disregard for the accuracy and integrity of credit reporting. 


I want to make it explicitly clear that I am currently pursuing legal action against the two main credit bureaus due to these ongoing violations. While I had hoped to resolve this matter without further escalation, your persistent failure to rectify the false reporting has left me with no choice but to include Equifax, XXXX, and XXXX in the impending lawsuit. 


Furthermore, I want to emphasize that the XXXX account listed on my credit report is not mine. This account was created during the Equifax data breach, and to date, XXXX has been unable to verify its authenticity. The only account I had with XXXX was a savings account, which I closed several months ago. Therefore, the inclusion of this unverified and unauthorized account on my credit report is a direct violation of my rights and your duty to accurate reporting. 


I demand that you take immediate action to rectify these violations by removing the false accounts from my credit report and ensuring that they are not reinstated without proper verification. Failure to comply with this demand will leave me with no choice but to pursue legal action against Equifax, XXXX, and XXXX, holding you accountable for the ongoing harm caused to my credit and overall financial well-being. 


I expect your prompt attention and resolution in this matter. Please be aware that I am prepared to take all necessary legal steps to protect my rights and seek appropriate compensation for the damages incurred. 


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

On XX/XX/2020 I received 2 phone calls from One Main, a loan company I used about 3 years ago. They informed me that a person with my same name come in for a loan and MY information was used in error. I was told they would fix it. Upon receiving the second call I was basically informed I needed to feel out forms to fix the problem. This is not acceptable. They were to send me emails with forms, this never happened. They stated the information WAS sent but would send it again, never happened. I have worked HARD over the last few years to improve my credit. I need the hard hit removed from my credit report. I have the following information :. One Main - XXXX, In. XXXX. Phone - XXXX. The branch I used a few years back - One Main - XXXX XXXX XXXX XXXX. XXXX,. NC. XXXX. Phone - XXXX. I spoke with XXXX, she run my report. XXXX was " trying '' to fix it. Again, haven't heard another word from them. Thanks
Product: Credit card

THIS IS TO NOTIFY THIS ENTITY OF FRAUDULENT ACTIVITY ON MY ACCOUNT. SINCE HAVING THIS CREDIT CARD I'VE USED IT DAILY. TO START YOUR INSTITUTION FIRST HORIZON BANK PUT A FRAUDULENT CHARGE ON MY CARD CLAIMING A {$250.00} CHARGE FOR XXXX XXXX. MY ELECTRIC COMPANY MIND YOU IS XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. WHICH CAUSES ME TO SUBMIT A FRAUD CLAIM CLOSING MY ORIGINAL, WHICH I DID FILE ON THE XXXX OF XXXX. ON THE XXXX OF XXXX I WENT IN TO YOUR BRANCH OFFICE LOCATED ON XXXX XXXX XXXX XXXX, XXXX. XXXX AND PAID THE BALANCE ON THE CARD XXXX IN HAND WHICH TOTALED {$3600.00}. THIS TRANSACTION GAVE MY ACCOUNT A BALANCE OF {$0.00}. FIRST HORIZON BANK HELD MY PAYMENT THAT WAS MADE ON THE XXXX OF XXXX AND APPLIED IT TWO DAYS LATER AFTER REPORTING TO XXXX, XXXX, AND XXXX A BALANCE OF - {$3800.00} AND A UTILIZATION OF 77 %!!! THIS IS VERY DETRIMENTAL HARM AND A FRAUDULENT ATTACK AGAINST [ XXXX XXXX XXXX ] [ WHICH I AM THE EXECUTIVE OF THE ESTATE OF XXXX XXXX XXXX ]. NOW ON A NEW ACCOUNT WITH A CREDIT CARD ENDING IN XXXX WITH A BALANCE THAT WAS - {$3800.00} YOUR INSTITUTION CHANGED IT TO A PRESENT BALANCE OF {$450.00}. MY ACCOUNT HAS BEEN MISREPRESENTED AND MISREPRESENTATION HAS TAKEN PLACE. MY NEXT STEP IS TO FILE A CLASS ACTION LAWSUIT ON YOUR INSTITUTION FIRST HORIZON BANK WITHIN 72 HOURS OF RECEIPT OF THIS TRANSMISSION TO YOUR INSTITUTION. YOU HAVE A CHANCE TO CURE THIS AWFUL INTRUSION OF MY CONSUMER RIGHTS. 

18 USC Section 241 DEFAMATION DISCRIMINATION RACIAL BAIS RACIAL PROFILING MISLEADING INFORMATION ON CREDIT REPORTING. 

LET THIS LETTER OF SERVITUDE SERVE AS A VITAL WARNING!!! 

SINCERELY : THE EXECUTIVE OF THE ESTATE OF THE XXXX XXXX  XXXX XXXX XXXX FIRST HORIZON BANK ACCOUNT : XXXX XXXX  XXXX
Product: Student loan

When I applied for the loan, the interest rate was 4 %. After graduation, I was told that I can defer my loan payments without being informed that this will increase my interest rate. My interest rate is now 6 % and when I check the principal balance, I think they take interest-only payment during some part of my loan time. I didn't understand much about student loan and interest rate until recently that I understand that I realized that I have been tricked into paying more and more interest with not much applied to the principal through the payment assistance that they provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian about the erroneous information they have in my credit report. They did not investigate the information, nor did they correct the obvious errors. This error should NOT be on my credit.
Product: Credit reporting or other personal consumer reports

These accounts ' transactions and charges are all fraudulent. I never benefited from any of these transactions, but rather it did a lot of damage to me. This has been really stressful, it's negatively affecting my overall well being
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly to go to Experian to rectify this identity theft problem. The latest one they told me is that I needed to upload the police report and copy of my driver 's license into their portal and when they get it they will promptly remove the disputed items. Their website does not let me upload the DL pictures and I don't know why. They are in black and white and under XXXX and it still won't take it. 

The items that need to be removed are now with an attorney and the card issuer is being sued and at this point, I am contemplating adding Experian to this also due to the lack of working with me and doing the right thing. I need these items removed from my report as they are fraudulent. 

I demand these be removed immediately and be blocked from reporting anymore as this is my right in an identity theft case. The other 2 bureaus have already done so and Experian is not complying. 

XXXX - acct number - XXXX XXXX XXXX - acct number - XXXX - {$1100.00} XXXX XXXX - acct number - XXXX - {$6000.00} XXXX XXXX XXXX - acct number - XXXX - {$3000.00}
Product: Mortgage

I already filled a complain to this company and your company closed the complain after XXXX response was " We take very serious every complain and when we bought this loan we were informed that the loan was paid one month behind '' they only gave you lip services and no proof. XXXX has send me a computer paper generated by their employees with wrong dates and amounts. I had sent several times the XXXX XXXX XXXXXXXX statement with the correct dates and the amounts the bank is monthly paying this loan. As you can see all they are been paid on time and never partial payments. XXXX is stealing my money by only applying {$68.00} to the principal instead of the {$220.00} they supposed to apply and adding late fees to that. this will sooner or later will increase the amount of the loan making this a fraudulent practices to enrich their pockets from customers like XXXX XXXX used to do before being caught.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several incorrect accounts. I feel that these accounts are extremely adversely affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate these items for me to ensure accuracy. im demanding the inaccurcies be deleted now. 
Here are the items I am asking you to verify as accurate : XXXX. XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX  XXXXXXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXXXXXXXXXX XXXX ( Account # XXXX ) XXXX. XXXX XXXX XXXX  ( Account # XXXX ) XXXX. XXXX XXXX XXXX XXXX ( Account # XXXX ) After your investigation is complete, please send me the results via mail. 
Thank you in advance, Best Regards,
Product: Payday loan, title loan, or personal loan

I've been a customer with money Lion for about XXXX years. I have had XXXX {$500.00} loans with them, both of which were made on time payments and paid off early. It's important that I mention that I reported to money lion about a situation with my card being skimmed back in XXXX. It took XXXX months for me to get {$220.00} back into my account. During that time I stopped XXXX membership payments of {$20.00} each for XXXX months. In turn Money Lion reported my account as being late on XXXX loan payments which is not the case. I've tried on multiple occasions to shed light on this situation to a money lion representative. The last time I did, was XXXX days ago and the representative told me to dispute with credit bureaus, to which I have but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Product: Payday loan, title loan, personal loan, or advance loan

I was updated today that someone took a loan thats {$700.00} and something dollar under my identity on XX/XX/year> at a payday loan located in XXXX Ohio I dont know about and I would love to get this resolved and justified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company to inform them that the inquiries in question were fraudulent and needed to be removed. Instead I was either not answered or sent notices that they had no proof of the inquiry even being put on my credit report. They never provided any proof that I was the one who ran my credit. 

The date is now XX/XX/2021, I have been contacting the following company for the past 3 months to no avail. someone was trying to get credit in my name as well as loans to do god knows what. They failed to assist and I am now filing a complaint. 

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

15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Checking or savings account

I deposited checks via mobile deposit and chase placed my account in suspension I called for 3 weeks the money cleared but they still wont release it I called the issuer of the check and was given two additional numbers for chase to contact them and they refused and said they could not call the number. Then I asked if I could physically bring the checks into the branch with the 1099 that was attached and the can call the phone number listed on there and they said I was unable to do so they then closed my account and still refuse to release my funds over a month now and if the checks was going to return they would have done so by now and they are hiding behind the deposit agreement which does not state that after a checks has cleared after 6 weeks would they still hold the money. This bank is placing a hardship on multiple families with the same situation and they will not accept any of the numbers I have provide. No where in the agreement does it state that going to a branch is not allowed as well. I keep calling and getting the same results due to cause not wanting to comply I even offered to get the maker of the check on the phone and they denied that as well so how can I get a verifiable number when chase says if the number is not in there data base they cant call it so they are not making it possible when the maker provided 3 different numbers a XXXX number and XXXX XXXX numbers and the bank will not call to verify the checks
Product: Payday loan, title loan, personal loan, or advance loan

First I wanted to thank CFPB for the work you did on my prior complaint # XXXX. 
This is closed and their was a clear direction to call the XXXX XXXX # provided to talk about the loan and the options to pay it off. 
I halted because I felt the response was a little threating or an assumption that I was going to take legal action against. 
I took out this loan because of XXXX that morning had shut off my electricity ( started to get rather chilly late XXXX ) and a deadline to have like around {$400.00} to them by their close of the day. 
I never used a payday before. 
The XXXX worked through the process and when I got the {$700.00} approval, she wrote down for to expect around $ XXXX month and that the loan should be paid off within 6 months. 
I signed the agreement on XX/XX/year> but the first payment wasn't due until XX/XX/year> The letter in the prior complaint has stated that my XXXX check was running out around the XXXX of each month. My bad, i did not get another XXXX until XX/XX/XXXX, so I doubled up - but noticed the balance was over {$900.00} I did an audit on my loan, before talking with them. 

I got stuck when I tried to figure the XXXX for 227.8800 % I didn't request a response from the company, but my apologies for this assumption, but I am thinking you might have some words of wisdom from other customers who signed with XXXX XXXX. 

I discovered that the minimum payment due that the XXXX XXXX provides, only covers interest. 

XXXX. So if anyone has figured out how to pay the 97 % interest and then somehow pay more then 3 % to XXXX. 

XXXX. Also if their is a best practice for how to get ahead of this 227.8800 % interest charge, I sure could use the wisdom. 

Looking at my options- of which I dont really have except just to surrender the car to them. 
The other XXXX I dealt with said that the girl who signed me up did not make it clear that if I miss XXXX payment, the tow truck is ready and if it was her, she would have repossed my vehicle. ( for her payment I had to reach down to my nephew to get the {$300.00} ... .it is like the XXXX part XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Goldman Sachs and XXXX. 
XX/XX/year> Approximately XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX added many times. Sold acct from old XXXX avct that was hacked. I've had removed multiple times from others. Still re appears. 

XXXX XXXX XXXX XX/XX/year>. Contract been taken care of.
Product: Credit card or prepaid card

On XXXX I initiated a CFPB complaint ( XXXX ) against the Bank of America concerning what appears to be 2 fraudulent charges against my credit card via XXXX. On XX/XX/XXXX I received BOA 's response which is logically inconsistent, and does not appear to close the loop on the matter. I received correspondence from BOA and discussed the matter with a BOA Resolution Specialist. CFPB closed the case, however, based on the BOA 's response, I am lodging a new complaint. 

On XXXX/XXXX/XXXX two separate charges were submitted to my account in the amount of {$61.00} and {$66.00} from the merchant XXXX XXXX. These charges were disputed, and were refunded. Subsequently, based on information submitted by the vendor, the refund of {$61.00} was rescinded. 
( 1 ) The first question which begs explanation : of the two charges submitted by XXXX XXXX on the same day, why did the BOA agree that one charge was fraudulent but the other not?

( 2 ) I was informed by the BOA that their claims department determined that the {$61.00} charge was for " online guitar lessons. '' I have no recollection of these lessons, and for my sake and the BOA 's, these " lessons '' should be verified. Despite all the documentation concerning these charges available to BOA, it is unable or unwilling to provide me the precise name of the merchant who alleges these services for which he/she was paid. I have no recollection of purchasing this service, and would like verification from the vendor the nature of the service I allegedly received. 

( 3 ) The response letter from BOA dated XX/XX/XXXX details that the transactions submitted from XXXX were from the merchant, " XXXX. '' Of concerning this merchant name does not appear on my BOA Visa Billing Statements or XXXX statement. The merchant recorded on these statements is, " XXXX XXXX. '' This is inconsistent and incongruous. Why? 

( 4 ) I was advised by the BOA resolution specialist to call XXXX for more information about the vendor. I did so, and was told that they could not ( or would not ) offer more specific demographic information about the merchant. 

It is inconceivable to me, the consumer, that BOA acting on my behalf with XXXX, can approve transactions for which I am eventually liable, without the ability or responsibility to provide me with the name of the merchant to whom I am eventually beholden. 

Thanks for reopening this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I called Westlake and got a deferral for my payment. Before then I had 100 % payment history. I then paid XXXX, XXXX, and XXXX like normal, but they all show as missed payments on my credit report. I spoke with a lady who said the deferral in XXXX got entered wrong and it was totally their fault. She even said she would submit a dispute to the credit company. However nothing has been done after months of calls back and forth. They harass me multiple times a day, every day, for missed payments I do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB Complaint requesting that the Credit Bureaus take action to my Credit File and have the disputed items corrected and or removed from my Credit Report. While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. I am taking a thorough look with my Credit report and took notes of the following : a ) There are accounts that were already closed and the balance is XXXX and yet these accounts are still reported as late ; b ) There is a charge off account that is not charged to me. This accounts shows that the account was pad and that the balance is XXXX ; c ) There are accounts that were already deleted from the other Credit Bureau but is still reported on some Credit Bureaus ; and d ) The disputed accounts ' disputed status indicates " Account not Disputed ''. How could the Credit Bureaus report the accounts as " accounts not disputed '' when I have been disputing this accounts by sending dispute letters as well as CFPB Complaints addressed to the Credit Bureaus and when in fact the Credit Bureaus have been responding to my CFPB complaints through the Consumer Portal. This action by the Credit Bureaus makes me doubtful of them. I need the Credit Bureaus to stop their erroneous reporting and delete the disputed items completely from my Credit file : XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}