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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Urgent Request for Removal of Incorrect Information from Credit Report To Whom It May Concern, I am writing to formally dispute several inaccuracies in my credit report and request the immediate removal of incorrect information. Upon thorough review, I have identified multiple discrepancies, including erroneous names and addresses that do not pertain to me. 

Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As a past victim of identity theft, I am particularly vigilant about maintaining the accuracy of my credit profile. These inaccuracies not only misrepresent my personal information but also pose a serious risk to my financial standing and creditworthiness. I affirm that the names and addresses listed above are not associated with me. My correct name is XXXX XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX XXXX. 

To ensure the integrity of my credit profile, I request that Equifax conduct an expedited investigation and remove the incorrect names and addresses from my credit report. These errors are compromising my credit profile and could potentially lead to further issues if not addressed promptly. 

Enclosed with this letter are copies of the following documents to verify my identity and current address : Government-issued ID Recent utility bill Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and correct any inaccuracies in my credit report. I expect Equifax to address these discrepancies with the urgency they warrant and to confirm in writing once the corrections have been made. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please confirm receipt of this dispute and the steps being taken to rectify these errors. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copy of government-issued ID Copy of recent utility bill
Product: Debt collection

Check my credit report and say a collection account placed on my credit from a Sequium Asset Solutions, saying I opened an account in XX/XX/2020 for the amount of {$420.00}.
Product: Checking or savings account

on XX/XX/XXXX I filled fraudulent transactions on my account in which moneys were taken out of my account without my authorization over the amount of 2000, i have provided documentation s and have cooperated with B of A in which have not been recompensed. They claim that I have been with them for over 14 years when in reality i have not. I filed a police report and pressed charges against XXXX XXXXXXXX XXXX XXXX XXXX  doesnt speak to me anymore and i still have not received anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not complied with FCRA guidelines for properly investigating identity theft claims. I the consumer has supplied Experian with all necessary information required by federal law and more to undoubtedly prove my claim. FCRA guidelines clearly states that the investigation timeframe is 4 days. However, Experian has shown noncompliance with federal regulations for credit reporting in regards to identity theft.
Product: Credit card or prepaid card

On Friday XXXX XXXX I received an email from Capital One stating my account was being closed due to inactivity. I admit I only use this credit card for emergencies and have not actively used it in about 3 years. I did use it on XXXX XXXX and again on XXXX XXXX and immediately paid the balance in full on XXXX XXXX. I called customer service the day I received the email and asked what was going on and why they were closing my account to which they were unable to help me because it was still processing in their system. The agent assured me that someone would call me back in a week. I asked them to confirm I should have a call back by Friday XXXX XXXX and they confirmed. I never received a call as promised so I called in today Saturday XXXX XXXX and gave them my info, placed me on hold so they could review the notes, came back and said they were going to transfer me to a supervisor. I spoke to the supervisor and had to tell her everything again including the fact that I 've been a customer for 17 years. She stated that it 's not in their policy to call cardholders back so she apologized that the one agent told me they would before. She continued to tell me they really do care for their customers but there was nothing that can be done. I have told Capital One numerous times if they offered to lower the interest rate I would consider using it more as my credit is really good and I have another credit card that is about half the APR that they are. I was again pretty upset so I told the supervisor that they do n't really care otherwise they would keep my account open. She did offer for another department to call me back in 3 to 5 business days but I told her why should I bother when they are going to tell me the same thing and waste my time doing so. I was done with the conversation and if I stayed on the phone much longer I may have said things I did n't mean so instead I told her to have a good day and hung up before she could state anything more from what I assume is a guidebook they hand out on how to deal with situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX. I reviewed my credit report and found the following item ( s ) to be in error. I am a victim of identity theft and did not authorize the charges. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit.

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that's you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this investigation within 30 days of receipt of this letter. Please
send an update of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who has received my credit report in the past six months
Product: Credit card or prepaid card

I have written to and called both Barclaycard and XXXX many times over the past few years. I bought one laptop from XXXX in XX/XX/XXXX and they charged me for two. The first time I called, I spoke with Barclay and they claimed to have fixed the problem. Then the second laptop which I did not purchase was added back onto my statement in XX/XX/XXXX, and Barclay said XXXX claimed that it was a valid purchase. 

I have called, written, and faxed both XXXX and Barclay multiple times and no one has solved the issue. I am paying an additional $ XXXX and interest on a second laptop which I have no purchased and I am no longer making payments. I made all of the payments I owed to the company to this point and if I were charged the correct amount, my payments would be finished by now. This is why I no longer make payments to Barclay. I have paid my dues and I will not pay more. 

That being said, I have attached all the communications which I have sent to the companies and all the necessary details are included in the documents. I have done all the steps I have been instructed to do and have provided plenty of time to resolve this issue -- far more than needed. I do not want my credit report to reflect negatively on me because of an issue that has not been resolved. The last communication I sent was on XX/XX/XXXX and I have received no follow up to date. I sent two faxes and seven hard copies to various departments of Barclaycard. 

I am extremely disappointed with both companies and I strongly suggest never using the service or purchasing from them because they will not solve your dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stolen my Identity to Open Fraudulent Accounts all Accounts that I reported on my Identity Report is fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hello, On  XX/XX/XXXX  2017 I paid my minimum payment on my Target Store Card account. Then in an attempt to avoid interest on  XX/XX/XXXX 2017, I made a payment of {$120.00} to cover the remaining balance using a new checking account via Target 's website. I was unable to copy and paste my account number as Target 's website would not permit me to do so, but I was able to copy and paste my routing number. Today ( XX/XX/XXXX  2017 ) upon checking my bank account I noticed that the funds for my Target card were not withdrawn. So, I checked my target card and noticed there was a return payment fee of {$27.00}. I immediately called the number located on my Target card and was informed that my check had returned " unable to locate the account. '' I asked to have this fee waved and the representative refused. I then asked for a supervisor and was transferred only to be disconnected. I called back and spoke with  XXXX  who sounded helpful and she waved my interest fee as she said it was a mistake on Target 's part and I should not have been charged, but she could n't wave the return check fee. I asked for a supervisor and she transferred me to  XXXX  employee ID  XXXX . I explained the situation to  XXXX  and she also refused to wave the fee or transfer me to another supervisor ( she said no one would help me ). My check was NOT returned for insufficient funds. Target was probably not charged any fee for this returned check. I had previously made my minimum payment and was just making an extra payment to cover the statement balance. I believe that this fee is unjust and should not be charged.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My girlfriend, XXXX XXXX, had a Target credit card. We were planning to get married, so she added me as an authorized user. Unfortunately, before we could truly start planning our wedding, she was diagnosed with XXXX and died within 2 months. I never used this Target credit card. I don't know how long she had the Target credit card but I'm sure she used it regularly. I did not give Target the authorization to add this account to my credit. Target added this account to my credit after XXXX passed away in an attempt to collect her debt from me. 

Additionally, I filed XXXX XXXX Bankruptcy and received a discharge on XX/XX/year>. I included this account in my bankruptcy. Target has refused to remove this account from my record and instead lists the status as charged off. 

Target 's reporting of this false account on my credit reports is causing me to be unable to rent an apartment. I have been denied several times due to this account. I have continued to dispute the account but Target refuses to update the status. 

The harm to me is ongoing. I believe I should receive damages due to the refusal of Target to abide by credit reporting guidelines and the significant harm this is causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Possible Data Breach Equifax has failed to respond satisfactory within 30 days on response letter dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has repeatedly verified without yielding proof of verification in response letters dated XXXX/XXXX/XXXX & XXXX/XXXX/XXXX. 

Equifax has failed to reply to two letters asking for proof of owner verification. 

Equifax has failed to sign for the receipt of second letter asking for proof of owner verification. In possible effort to avoid interaction. 

Equifax report has not added a line in regards to US Bankruptcy Court of Nevada dispute.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX ( who is in the information selling business ) is the furnisher of the information. Which makes this a situation of identity theft. The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. Do to the fact I was unaware of XXXX gathering my information for the transaction with Equifax. 

I am filing a complaint against Equifax for : Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623 XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX Court Case reporting inaccurate information and failing to investigate claim properly per section 611 FCRA.
Documents have been filed for a small claims court case against Equifax at the XXXX XXXX Justice Court. I am seeking damages of {$1000.00}.
Product: Credit reporting or other personal consumer reports

My account with those crediotrs was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

My name is XXXX XXXX. 

I have a credit card with U.S. Bank. 
The product is called US GO bank credit card.

U.S. Bank has disabled my username since XX/XX/23 and not able to resolve the issue. 
When I contacted the customer service ( XXXX - XXXX XXXX, the agent was not able to her job duties proper to address my concern. 

There was no resolution provided and she was extremely rude in her behavior. 

My online access is still blocked and unable to see or monitor any credit card transactions.
Product: Debt collection

I Have not received any written proof of this debt. Every month or so it is being updated on my credit report as collection owed. I have know knowledge of this company, no contracts or agreement for this company, nor do I owe this company any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$670.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}
Product: Debt collection

Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my MLO with my processing.