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

I have Disputed this Account about removing XXXX XXXX XXXX bankruptcy due to : 1. Violation of Privacy Act : XXXX Edition A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

Under the Privacy Acts disclosure provision, agencies generally are prohibited from disclosing records by any means of communication written, oral, electronic, or mechanical without the written consent of the individual. 

I DID NOT GIVE ANY CONSENT by written, oral, electronic, or mechanical to XXXX, EQUIFAX NOR XXXX to share my information publicly on their platforms. 


Comment : A dismissal refers to the courts decision to terminate a court case without imposing liability on the defendant. 

Comment : I was living in The State of Georgia when On XX/XX/XXXX, due to the impact of COVID-19 on the State of. Georgia, Governor of GA issued Executive Order No. XXXX, declaring a Public Health State of Emergency Complete Shut In and Shut Down Covid 19 Epidemic Caused this issue, I do not deserve to punished for a world epidemic. 

I asked them to remove it on these dates below : Report Number XXXX Date Generated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Public Record REF # XXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Record REF XXXX XXXXXXXX .... 

Remains Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Updated Report Number XXXX Date Generated XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX Public Record REF XXXX XXXX XXXX. 

Remains XXXX Date Submitted Estimated Completion Status XX/XX/XXXX XX/XX/XXXX In Process Equifax Dispute status All disputes ( XXXX ) Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Under investigation Completed XX/XX/XXXX The is an attached letters and documents
Product: Debt collection

I have reached out several times asking for proof of the actual debt and it only comes back that it was verified but they provide me with no physical proof. The item is reporting incorrectly and therefore is not reporting 100 % accurately and under the FCRA should be removed from my report. EX ) the payment history shows never late then jumps directly into collections. the account is showing as a closed account but is also showing as a collection and also has a monthly payment attached to it. All of these are reasons for it not reporting 100 % accurately and therefore should be removed. This information has greatly impacted my ability to obtain new credit and should be removed.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized account on my credit report during a recent review. Kindly remove this fraudulent entry, as it is obstructing my ability to obtain credit. This account is unfamiliar to me. 
XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/year> Balance : {$400.00}
Product: Credit card or prepaid card

Starting on XX/XX/XXXX, charges for XXXX XXXX cards starting appearing on my Chase Amazon card. These charges were for either {$60.00} or {$75.00} and it happened 13 times until XX/XX/XXXX. Amazon flagged them as suspicious since I have never purchased such items in the 5 years I have been a customer. Chase Bank opened an investigation and told me it was ruled fraud. I closed the card and amazon froze my account. I thought everything was resolved until I received a phone call this Tuesday, XX/XX/XXXX from someone working on behalf of Chase. I was informed the Bank ruled it as not fraud and I was responsible for the charges. I thought it was very strange and when I searched the number it came up as a scam number. I called Chase and they told me it is them calling. Upon further research I realized that the bank must " sell '' to a 3rd party investigative department who decides whether or not something is fraud. I spoke to Amazon numerous times and they tell me they see on their side that the transactions were marked as fraud and that there is NO record of Chase ever reaching out to them. My concern is my credit getting ruined since I will not pay for these charges and I have worked really hard to have a credit score in the high 600 to now have this ruin it. 

Here is a list of transactions : XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00} XXXX {$60.00} XXXX {$60.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$75.00} XXXX {$60.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 card

Re : Macy 's credit card issued through " department stores national bank ''. 
Macy 's representative in XXXX, XXXX XXXX ( NY ) prompted me to open Macys card account with offer of additional 40 % off atop the daily discounts. So, I then spent 2 hours time putting together sizeable wardrobe. When cashier helped me open account by phone and having to provide significant personal info, I was then told " denied ''. Interesting because I am a XXXX, excellent credit, XXXX debt, never denied such in my life. I overheard someone else in store saying same thing happened to her and another. This was XXXX XXXX, 2015. I left store without purchase. Today XXXX/XXXX/15, I receive a Macy 's credit card, never again elIgible for the 40 % incentive for new accounts. I suspect scam luring cutomers into opening card, not to mention the personal information used for marketing sharing. I am on phone with card company canceling and am also now told that the 40 % had a {$150.00} cap. I know what I heard as well as telling rep I was off to " spend a lot of money '', so I 'm certain she understood it was more than {$150.00}. 
Again ... .arguably ... a scam and what a waste of my valuable time. Thank you.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXXXXXX XXXX initiated a transfer from Bank of America to XXXX XX/XX/XXXX Bank of America deducted the $ XXXX funds from my account. 
XX/XX/XXXX XXXXXXXX XXXX states they did not received the funds though they initiated the transfer with the Routing and Account number provided. 
Calls to XXXX- was told to contact Bank of America has the Trace Info to recall the funds as it was a ACH transfer. 
Contacted Bank of America, was told its not a ACH transfer, but rather a ACH transaction that they can not do anything about. Its like using your Debit card where you have no protection. 

This is RIDICULOUS!! 

At this point my $ XXXX is missing and all I am getting is finger pointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax, one of the major credit reporting agencies, for their failure to process my dispute within the stipulated 30-day timeframe, as mandated by the Fair Credit Reporting Act ( FCRA ). I find this situation deeply concerning and hope that your intervention will help rectify this matter promptly. 

On XX/XX/2023 and on XX/XX/2023, I submitted a dispute to Equifax 's, reference attached letters, regarding inaccurate information on my credit report. The discrepancy pertains to names that are not mine, addresses that are not mine, an incorrect accounts, incorrect late payment and one account that I didnt open. Understanding the importance of maintaining accurate credit information, I promptly initiated the dispute process to rectify this situation. 

Despite the statutory requirement that credit reporting agencies investigate and resolve disputes within 30 days, I am dismayed to report that Equifax has not taken any action on my dispute within this timeframe. As of today 's date, it has been more than 60 days since I filed my dispute, and I have yet to receive any communication or updates from Equifax regarding the resolution of this matter. 

I want to emphasize that the accuracy of my credit report is essential for my financial well-being and my ability to access credit on fair terms. Equifax 's failure to address my dispute in a timely manner has caused unnecessary stress and frustration, and I am concerned that this delay could have lasting negative implications for my creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau intervene on my behalf to ensure that Equifax promptly processes my dispute and provides me with a written response detailing the investigation 's outcome. I also urge you to take appropriate actions to ensure that Equifax complies with the FCRA 's requirements moving forward, as this situation highlights a disregard for the rights of consumers like myself. 
Enclosed with this letter, please find copies of relevant documentation, including proof of my dispute submission and any supporting evidence regarding the inaccuracies in my credit report. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will work diligently to address my complaint and hold Equifax accountable for their failure to adhere to the FCRA guidelines. I look forward to a swift resolution and appreciate your assistance in rectifying this issue. 

Sincerely, XXXX XXXX
Product: Student loan

Navient has repeatedly inaccurately applied payments to my accounts, talks sme into forbearance or applied forbearance instead of income driven payments, taken out extra payments from my bank account without me even allowing auto payments and now they are charging me over XXXX next month and will not lower the payments.
Product: Credit reporting or other personal consumer reports

The company said the information was verified but Im needing to know whats the name of their employee who spoke with employee from that company also the name of the employee from the company they spoke with to verify the information being disputed also send payment history and original contract that was signed which includes the balances and payment history for Florida Department of Revenue, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX this is informing them that a Letter of Intent to sue is next step if this information Im asking for can not be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sitting at home and I receive an alert that my credit report changed on Transunion, I looked immediately on XX/XX/2019 right away, my credit card shows Chapter XXXX Bankruptcy, I never filed bankruptcy, I am current with my payments, have never been late. I called Total visa on XX/XX/2019 and explained to them what happened, they indicated they do not have anything showing Bankruptcy, and nothing was submitted to the credit bereaus. The representative stated she would email me proof that nothing was done to my account, and never did, she indicated that I would receive it in two day and never did. Transunion stated that there is a letter but refuses to give it to me. I am not in bankruptcy nor have I started one. I explained this to them, argued with them, asked for proof, I have all my statements and my card is current and still active. on XX/XX/2019 I received transunion report, dated XX/XX/2019 saying they were upholding the bankruptcy, this is fraud, they refuse to remove it.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX I wish to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called both Equifax and XXXX about two fraudulent hard inquiry on my credit report. I was then told to contact the credit which I then did. The creditor told me me that they cant do anything on their end so I I would have to discuss it with the credit bureaus. there are hard inquiry on only credit report hat doesn't have any account link to them and I has both equinox and XXXX  to remove them and they won't do it. I have also then multiple letters to them
Product: Credit reporting, credit repair services, or other personal consumer reports

i am contacting this department over concerns i have at an address which is not connected to me and yet it appears on my credit reports. I do not live or have ever been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX. it appears in the current and former section of my report but i have never been associated here. my address is in XXXX XXXX only. I attempted to call these bureaus but it was very hard to get a hold of a representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your 2 unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made on : XX/XX/XXXX- XX/XX/XXXX Made with : XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my email address listed so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage / Real Estate account is reporting incorrectly as closed. Should be Current / Paid, on time, with a balance of {$190000.00}. Attached is Dovenmuehle the creditor 's response to the Consumer Financial Protection Bureau, and North Carolina State Attorney 's General Office, stating that it's been reported to the three major credit bureau 's. Yet, this information has not yet been updated on my personal credit report, for over 90 days now this information has been incorrect, disputed, and still not reporting correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint regarding inaccurate information on my credit report as reported by Experian. On XX/XX/XXXX, I contacted Experian to dispute the following inaccuracies on my credit report. However, to this date, I have not received a response from them. I am providing the details of the incorrect information and the required corrections below : The following account is not mine : XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$270.00} ). Please remove it from my credit report. 


The account XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$250.00} ) has inaccurate evidence. The Balance of {$250.00} reported by Experian does not correspond to the lower amount that I remember. The Past Due amount should not be provided for a closed account that was charged-off. As this misinformation has significantly affected my credit reputation, I plan to resolve this matter with my creditor. Therefore, I request that Experian marks this account as disputed to prevent further damage to my credit score. 


The account XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1500.00} ) is inaccurately reported. The Balance amount of {$1500.00} is inflated and incorrect. I believe that the amount owed is lower than what is reported. Additionally, Experian 's inclusion of a Past Due amount for this closed and charged-off account is inaccurate. I intend to address this issue directly with the creditor to rectify the misrepresented information. Therefore, I request Experian to mark this account as disputed until a resolution is reached. 


I found inaccurate information in my credit report for the account identified as XXXX XXXX XXXX XXXX, ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} ). I have doubts about having such a high Balance on this account, as I recall having a lower Balance than {$2100.00}. The reporting of Past Due for this account is incorrect as the account is closed and charged-off. I request that Experian marks this account as disputed while I resolve my dispute with the creditor, so that this account does not negatively impact my credit standing. Additionally, I require that Experian verifies the Date Opened, Date of Status, and First Reported for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Associates is reporting to the credit bureaus. Balance of {$1800.00} and {$3400.00}. I reached out to the creditor via certified mail twice end of XX/XX/XXXX and in XX/XX/XXXX with a cease and desist, I have never signed or opt in or given any kind of written instructions to do business with them, I have never agreed to have them report any of my personal information to a third party ( credit bureaus ). I have no business with them whatsoever. With my written communication I requested they provide a Creditor Statement, individually and completely with factual evidence, also including but not limited to a complete forensic accounting of all accounts, Form FR2046 ( showing the original balance sheet ), an IRS form 109901D which will identify who the principal funds originated from a Full File Disclosure as well showing a wet signature of me doing business with them. They in turn sent me a letter asking me to call them. I sent them an additional letter stating that I wish all communication to occur in writing and to provide a full file disclosure. It is now mid XXXX, they still refuse to comply with FCRA laws to remove their reporting to the bureaus.
Product: Credit card or prepaid card

American Express has closed my accounts, after breaching cardholder agreement, to avoid processing credit for unauthorized charges. Other matters as well, separate additional complaints to be filed.
Product: Checking or savings account

Truist Bank has submitted an incorrect XXXX relating to my account to the IRS. I received a XXXX for {$50.00} of interest earned. I did not earn the said {$50.00} in interest ( my account was only open for 58 days in XXXXbefore I closed the account ). I have made multiple attempts to have this resolved. The {$50.00} in question was not for interest earned ( as the XXXX would indicate ) but rather miscellaneous income because they issued me a {$50.00} VISA card due to their incompetent handling of my account prior to closure. The tranistion of the merger with Suntrust and XXXX XXXX XXXX has been a nightmare for all the customers, including myself. The appearance that my accounts earned {$50.00} in 58 days would indicate to the IRS that I have an account that is not being reported. The income is not interest as indicated, merely a miscellaneous income. I do not need income misreported to the IRS prior to tax filing. I do find this action by the bank unreasonable. the bank took more than two weeks, 4 phone calls, multiple text, several emails, as well as an inperson trip to the local branch all without resolution, only excuses.
Product: Student loan

In XXXX I took out a private student loan which was serviced through Sallie Mae, which was later transferred to XXXX in XXXX time frame. I have two questions I need answered by Sallie Mae for which I attempted to achieve by calling their customer service today ( XX/XX/XXXX ) to obtain these answers. I first spoke with XXXX who hung up on me ( it is a recorded call ) and when I called back I spoke with XXXX who was extremely kind and did his absolute best to try and get answers for me although he had to constantly put me on hold to what I suspect was to ask somebody higher and that game of telephone was breaking down drastically. I need these 2 questions answered - by Sallie Mae, do not direct me to XXXX as XXXX did not service my loans up until the split. 

1. ) What was Sallie Mae 's credit criteria for cosigner release for the period covering Fall XXXX to XXXX XXXX. Was the credit criteria just a simple XXXX XXXX check, did it it *only* involve what was provided by the XXXX credit reporting agencies? It is a simple question that has to be on record with Sallie Mae, but might require some digging. I tried to explain to XXXX to envision a hypothetical as my question, although believed to be easy, appeared to cause confusion. The hypothetical is, if I applied for cosigner release in XXXX ( or in the summer of XXXX ) - what " credit criteria '' would Sallie Mae have used to determine if I met the obligations under my Promissory Note Section P that states " who meets applicable credit criteria ''. And I feel as I need to point out, section M paragraph 7 clearly states that Sallie Mae could not have changed the " applicable credit criteria '' without first notifying me in writing and my return approval-so whatever " applicable credit criteria '' was in place when I signed my loans on XX/XX/XXXX would have been the guiding policy. So I need to know what the policy was when I signed my private student loan with a cosigner. 

2. ) Both XXXX ( before hanging up on me ) and XXXX insisted I could not possible have private student loans with XXXX and I was simply confused since *only* federal loans were transferred to XXXX. So were my loans XXXX then made private? Not seeming likely but apparently I need to know, why were my *private* student loans transferred to XXXX then if it was only apparently the XXXX loans? And I wish I did not have to state this but XXXX and XXXX seemed to imply it, but XXXX was *not* servicing my loans until the split, my statements/disbursements/correspondences *all* state Sallie Mae up until the split in XXXX XXXX XXXX XXXX ). So as the information I was just provided by Sallie Mae customer service has now caused confusion, I need clarification as to why my 2 private loans with Sallie Mae were transferred to XXXX if only Federal loans were - according to today 's recorded conversation.