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

[ XXXX XXXX  XXXX ] [ XXXX XXXX XXXX XXXX, XXXX  XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXX ] Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Complaint of FCRA Violations and Cease and Desist Request To Whom It May Concern, I am writing to formally lodge a complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) as it pertains to the improper handling and reporting of my credit file by Equifax. 

On XX/XX/year>, I received three correspondences from Equifax related to identity theft, which requested documentation to validate my identity. These correspondences were sent to my correct address at XXXX XXXX XXXX XXXX. In compliance with your requests, I have provided the necessary documentation several times over the past three months. The documents submitted include, but are not limited to : 1. Short and long form birth certificates 2. W-2 forms displaying my complete Social Security Number 3. Recent pay stubs 4. Georgia rental lease containing my current address 5. Georgia identification card Despite my repeated and timely submissions of these documents, Equifax has made no significant progress in updating my credit file to reflect the verified information. This ongoing pattern of hindering and delaying the accurate reporting of my credit information is highly concerning and indicative of egregious mishandling. 

I have not encountered such malicious resistance from XXXX or any other credit reporting agency. My requests to Equifax have gone unanswered, and the situation has only escalated. It is important to note that a Federal Trade Commission ( FTC ) fraud alert was placed on all my credit files in XXXX. Since then, instead of addressing the issue responsibly, Equifax has renewed its efforts to evade accountability for the FCRA violations that have been committed against me. 

Additionally, I wish to highlight that Equifax has enabled and allowed fraudulent companies to report inaccurate information on my credit file, constituting violations of both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). 

I hereby demand the following : 1. An immediate cessation of all improper handling of my credit file.

2. The removal of any inaccurate or unverified information reported by Equifax.

3. A thorough investigation ; into the current, not new investigation, into my identity theft claims based on the documentation I have provided.

4. Updated and accurate reporting on my credit file reflecting the verified information I have submitted. 

If these demands are not met promptly, I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau and seek legal counsel to protect my rights under the law. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft, resulting in the unauthorized opening of several fraudulent accounts under my name. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting that you immediately block and delete the following fraudulent accounts from my credit report : XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$15000.00} XXXX. XXXX XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Amount : {$17000.00} XXXX. XXXX XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$12000.00} XXXX. XXXX XXXX XXXX XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$23000.00} XXXX. XXXX XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Amount : {$6600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I've attached my driver 's license and proof of current address.
Product: Credit reporting or other personal consumer reports

I have had my student loans forgiven through the XXXX program, but they still appear as open on my credit reports and are affecting my credit rating. I have created complaints with the credit companies, but have had no luck with removing them.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX  - XXXX XXXX  XXXX.
Product: Credit card

I have applied with a CITI AAdvantage credit card back on XX/XX/XXXX and per the rewards program your XXXX bag is checked free. I took a flight on XX/XX/XXXX - XX/XX/XXXX and paid for my bags with my CITI credit card, since my bags would be free fly and this was part of their benefits CITI. I gave it about a month and reach out to agent and spoke to XXXX online on XX/XX/XXXX at XXXX EST time and he stated he say my card has that benefit and it would take XXXX billing cycles to post the credit. I waited and then spoke to XXXX on on XX/XX/XXXX and told me this wasn't something offer I need to reach out XXXXXXXX XXXX to get the credit, which makes no sense any time I have a credit card and its benefit from their card, the card company gave me the credit not the airlines. I ended up disputing both transactions as XX/XX/XXXX & XX/XX/XXXX, which were from my bags only. The resolution I am looking for is to get credit for both transaction, since it was a benefit with my credit card CITI.
Product: Credit reporting or other personal consumer reports

I recently studied my credit report from your firm and was astounded to see multiple inaccuracies that are harming my reputation. This is deemed identity theft under Code 15 U.S. Code 1681b. I anticipate that this letter will result in a timely resolution of the targeted data that is reporting incorrectly. I am aware that it is your responsibility to keep correct records on all of my credit accounts. 

Please review the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These collections contain erroneous data, such as account status, date opened, balance, payment status, and last reported. A person shall not provide 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 erroneous, according to 15 U.S. Code 1681s-2. Why are the dates different if these are the same accounts given by the same source? Account should be deleted due to incorrect reporting. Why is a balance shown if accounts are reporting as charge offs and in collections? For false reporting, delete the account ( s ).

After you have finished my request, send me a copy of my credit report reflecting these changes.
Product: Checking or savings account

I keep getting overdrafts with money in the acct, there online banking is not accurate, was treated like a criminal by the branch manager and never got my refund back, they charge fees when they are not supposed to been happening for 5plus years, misc charges at several occasions, always get treated poorly at the branch, they charge to see a teller and list goes on
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6500.00} ; XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$870.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX. ) Balance Owed : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance Owed : {$9300.00} ; DPT TREASURY XXXX Balance Owed : {$2200.00} ;
Product: Money transfer, virtual currency, or money service

I was asked for my bank statement in order to continue sending money, I told them alright and sent a copy from my phone and they Refused it, As far as I know they have no right to review my financial statement and it should not be used as a judgment against me. 
They have canceled my account because of it. 
Need Help Pls
Product: Credit card

See letters dated XXXX XXXX, 2015 and XXXX 2015. Initial complaint no. XXXX. This is unresolved. No other communication received from CFPB or Capital One. See statement for XXXX 2015 showing minimum payment and additional fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter on explanation from XXXX   XXXX XXXX XXXX/ aka XXXX XXXX XXXX. 

This agency stated they assigned the servicing of my loan to XXXX XXXX   XXXX XXXX.As I've mentioned on several occasions, I wasn't notified of the transfer. By XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, within the fifteen day time frame. 

I was under wage wager in XXXX and XXXX in XXXX. The courts wasn't neither. Your bank sent me XXXX statements in from XXXX, yet taxes on the property at XXXX XXXX XXXX XXXX TN XXXX. 

I've pulled all of my court records to learn that someone has created a Federal Identification number using my personal information. My history was being deleted / malipulated with. 

You never mailed me the transfer on XX/XX/XXXX. I just learned of these transferred in XXXX, after filing complaints to CFPB. On XX/XX/XXXX my loan was with XXXX XXXX XXXX. In XXXX XXXX XXXX XXXX  sent me a copy of my XXXX XXXX   XXXX. XXXX interest Statements also includes my home owners insurance with. XXXX and XXXX XXXX. 

When I filed bankruptcy in XXXX, I didn't realize that I was filling against Tennessee XXXX XXXX XXXX. Until XXXX, when I pulled my bankruptcy court records.. 

XXXX XXXX XXXX XXXX doesn't seem to have been aware of XXXX XXXX XXXX. XXXXXXXX XXXX XXXX used the same loan number and three different Federal Identification numbers. I have print out on payment made to them in XXXX towards XXXX. 

I have copies of the claims filed with XXXX. XXXX, water damage, XXXX home was broken into, once I learned I was a victim of identity theft. XX/XX/XXXX. There was never any mention of XXXX XXXX XXXX XXXX. The policy number is XXXX. 

Someone name XXXX XXXX was listed on my property long before XXXX, when the property was forclosed on. The courts have a tax ID number on my resume as I've mentioned. If you need me to mail information, please give me a contract. It's as though you were mailing my information to XXXX  XXXX XXXX XXXX, rather than to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that are reporting information that is illegally being reported to my credit report hence withholding me from seeking new lines of credit. Equifax IS BREAKING THE LAW. The accounts are from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX with the account number XXXX and XXXX XXXX XXXX  with the account number XXXX. Equifax is in violation of 15 U.S. Code 1681b which states in subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is indeed identity theft. Additionally, they are also in violation of another code. They are also violating18 U.S. Code 1028A : Aggravated Identity Theft which states ( a ) Offenses Pursuant to subsection ( a ) Whoever, during and in relation to any felony violation, knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. The law states that whoever knowingly transfers, or uses, without authority, a means of identification of someone shall, in addition to the penalties for such general felony, will be sentenced to imprisonment of 2 years, or 5 years for terrorism. Therefore, I, XXXX XXXX, never gave Equifax any written consent to transfer, or use, without authority, a means of my identification. No consent is indeed identity theft. I demand to see an affidavit singed by a Equifax supervisor or executive detailing where I gave Equifax written consent to transfer my identification. You have violated U.S. Code 1028A. I have tried relentlessly to remove these accounts with the credit bureau and original creditor and they have failed to remove the accounts from XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  account and XXXX XXXX XXXX that they illegally furnished via my credit report. I will not be extending my credit report to anyone if this can not be resolved expeditiously.
Product: Vehicle loan or lease

I am writing to formally express my concern regarding a significant error in my recent payment processing with your company. On XX/XX/24, my account was debited twice for my monthly car payment, totaling nearly {$900.00} instead of the expected {$450.00}. This discrepancy has caused me considerable financial strain and requires immediate attention. 

I attempted to schedule my regular monthly payment of {$450.00} on XX/XX/24. Although I never received an error message indicating that the transaction could not be processed, when I called customer service, they informed me that this is often the case for double debit transactions. 

This error has placed me in a difficult financial situation. As you can understand, such unexpected charges can create serious challenges for customers, especially those living paycheck to paycheck. I urge you to consider the implications of this system error with this company, as it could potentially affect many other customers who may not be as equipped to handle such unexpected expenses. 

I ask that you investigate this issue further and have the company provide a detailed explanation of how such errors can occur, along with the measures they plan to implement to prevent this from happening in the future. 

Please confirm receipt of this complaint and keep me informed of the progress regarding the investigation and resolution of my case.
Product: Debt collection

Portfolio Recovery is attempting to collect a debt that I have already paid the agreed upon settlement amount. Original amount was XXXX. They sent me a letter dated XX/XX/21 that stated they would settle the debt for XXXX if paid by XX/XX/21. I paid XXXX on XX/XX/21. Instead of removing it from my credit, they subtracted the amount I paid and put the difference on my credit report. I have disputed this with the credit bureau.
Product: Vehicle loan or lease

Subject : Urgent Complaint Regarding Service Approval Delay I have diligently attempted to resolve the pressing issue at hand with XXXX XXXX. Since XX/XX/XXXX, I have made numerous calls to obtain approval for service at XXXX. To expedite this process, the service advisor at XXXX reached out to XXXX, the service manager at XXXX XXXX, but regrettably, we have encountered persistent roadblocks. XXXX, a manager at XXXX XXXX, gave me assurance on Wednesday, XX/XX/XXXX, that my approval would be granted by Friday, the XXXX at XXXX XXXX coinciding with the return of XXXX, the finance manager. 

It is crucial to note that my active and in-effect warranty policy, known as " portfolio protection, '' was an add-on service contract that I purchased for {$2400.00} on XX/XX/2021. This service contract has been in effect, and I rely on it for necessary repairs and service coverage. 

The urgency of this matter is amplified by the fact that my car was overheating, rendering it impossible to drive to the purchasing dealer. The nearest authorized service center was XXXX, which I had to turn to for immediate assistance. 

Despite the assurance given, it is now Monday, XX/XX/XXXX, and the issue remains unresolved. This ongoing delay has been incredibly frustrating and has caused severe disruptions in both my work and personal life. The negligence on the part of XXXX XXXX has resulted in significant punitive damages. 

I urge you to take immediate action to resolve this matter and provide the necessary service approval. The continued delays and inconvenience caused by this situation are unacceptable and have caused undue harm. I expect a swift resolution to rectify this situation and prevent any further damages. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My paycheck & my XXXX sons Ssi benefits are direct deposited to the bluebird amex prepaid account. I have not been able to use the card for 2 days. Everything that I ordered online for my kids for XXXX has been canceled. I am a single mother with XXXX kids and i have no access to any of my paycheck or to my XXXX child 's funds 4 days before XXXX. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting inaccurate credit score. More than 30 plus points in comparison to other bureaus. I constantly have issue 's with Transunion credit reporting. It 's inaccurate score and I want updated immediately
Product: Debt collection

The debt is 20 years old. They call repeatedly in one day. They are calling a number that was never associated with that name. I told them not to contact me again as the debt is past the statue of limitations and they hung up on me twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple hard inquiries reported on my credit report. On my XXXX credit report, the following are unauthorized hard inquiries ; on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On my XXXX credit report, there is a hard inquiry ON XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also on XX/XX/XXXX XXXX XXXX. 
On my Equifax credit report, there is a hard inquiry on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Also on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I did not recognize any of these. I called the companies on my XXXX, Equifax and XXXX XXXX report to request a deletion letter on XX/XX/XXXX, They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Product: Credit reporting or other personal consumer reports

I had an account with Wells Fargo. It became clear that Wells Fargo was violating regulations and rules of banking, and I terminated my relationship with Wells Fargo with all accounts. A line of credit that was closed in XXXX continues to be reported to the XXXX XXXX and other credit bureaus in a blazen attempt to damage me, my name, my reputation and my ability to access funds from banks, in spite of Wells Fargo 's criminal behaviors, which included stealing personal identifiable information from customers without their knowledge and opening accounts without their knowledge. The bank industry barely punished Wells Fargo and yet they have continued to report negative information which has had a 15 year negative impact and damaged my credit scores, allowing banks to charge higher interest to me after they committed the financial crimes. When I call, I get a run around from Wells Fargo, indicating that the bank can't do anything but that the charge off department is responsible - a total run around from fixing the issue