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

Im not sure how to categorize my complaint I chose the best option. This one alleged debt of reporting twice on many consumer reports looking as two alleged debts. I have tried to dispute this information several times. I have asked for validation of this account more than once and have not gotten any validation information proving this debt belongs to me. As a federally protected consumer they are violating my rights and violating the laws under the FCRA. Why would this one alleged best be reporting more than once on my consumer reports? They are damaging my reputation and inaccurately reporting information about me. 
For years they have been reporting this alleged debt for years and it is causing harm to me as a consumer as well as violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 5 years, my credit score did NOT show details and people have been using my Social Security Numbers to commit PayDay Loan Frauds, Mortgage Frauds, Credit Score Frauds and these debts did NOT show up at all. Who are the people who owns STOCKS or own the 3 Credit score companies of XXXX, XXXX, XXXX  and has been editting out evidences when I tried to check the credit score on my end. 
I tried twice to call XXXX to make an appointment to meet at XXXX XXXX, CA which will take me over 2 hours of bus rides to get there, but they refused. 

I need these Credit Score companies to be super blunt honest with all the company name details. I know my credit score is NOT 600. On my Wells Fargo reply, it said my credit score is XXXX. And the other people said my credit score is past -1200!!!!
Product: Credit reporting

on XX/XX/XXXX, someone other than me applied for an unsecured credit card from XXXX and was denied. 
I received the denial notice around XX/XX/XXXX and immediately called XXXX and was connected with their Fraud Department. XXXX at XXXX informed me that they would file an Initial Fraud Alert with the XXXX Credit Reporting Agencies. She was a big help and informed me of the steps that needed to be taken to investigate other possible Identity theft and Credit misuse. She also informed me that due to the fraudulent application using my personal information and the fraud alert placed on my Credit Reports that I was entitled to a free copy of my Credit Files from XXXX, TransUnion and XXXX. 
The process in getting those reports is less than stellar and I can not get any automated telephone process to go through nor can I get my file via ANY of their websites! They all want me to pay XXXX or XXXX dollars or can not verify the information that I present during the Identity Verification steps at their site. 
MY COMPLAINT : None of the Credit Reporting Agencies have telephone numbers that will connect you with a live agent! All of the Numbers are for the automated report ordering system and they have all asked for credit cards and wanted to bill me with no option to speak with a live agent. 
My fear is that whoever applied for that card has intercepted the process and without a live agent to speak with, I can not confirm this. 
Also, one of the reporting agencies asked questions about auto-loans I supposedly took out XX/XX/XXXX, asking which of XXXX possible Creditors and XXXX possible monthly payment amounts AND an Installment Account, again with XXXX choices of Creditors and XXXX possible payment amounts! This has me very afraid as I have not taken neither an auto loan or an installment/Finance account since XX/XX/XXXX! 
I need to resolve this and speak to a REAL PERSON! 
I am trying to rebuild my credit and it seems to me that the reporting agencies just do not care. I am totally frustrated as this is just bad customer service in an industry that is supposedly providing services that include sensitive information that dictates the consumer 's quality of life in this age of instant credit! 
XXXX, TRANSUNION and XXXX : Your processes are not user friendly nor are they customer focused and you do not have anything that resembles Customer Service for the consumer 's affected by all the Credit Fraud and Identity Theft that is running rampant in today 's financial industry. XXXX 
Sincerely, XXXX XXXX XXXX XXXX XXXX, TX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I wrote a check from my account at XXXX XXXX to a customer of Huntington Bank for {$9000.00}. That customer cashed the check. Without explanation, Huntington Bank declined to release the funds to that customer. Huntington stated that the funds were on hold and would be reviewed for possible fraud. My bank ( XXXX XXXX ) has already debited the funds from my account. 

I went with the customer to a branch of Huntington ( XXXX XXXX XXXX XXXX, XXXX, IL XXXX ). I presented two forms of identification as well as the checkbook used to write the check, and I stated that this was a legitimate transaction and I wanted to Huntington to release the funds to the customer. I also brought all documentation regarding the account from which the check was written. The representative at Huntington Bank told us the funds would be released. 

The funds were still not released, so we called Huntington Bank several times. We were told over the phone that I needed to submit a notarized letter stating that I wanted the funds returned to my account. I did this. I typed and notarized a letter stating the exact information of the check and stating that I did write the check and wanted the funds returned to my account. The customer submitted this notarized letter to Huntington Bank, along with all documentation related to the account from which the check was written. 

Huntingon Bank still refused to release the funds. A representative on the phone asked me to ask my bank to recall the funds. I called my bank and they said they can not do this. However, my bank was able to fax a letter to Huntington Bank stating that the original check written was legitimate. 

Huntington Bank still refused to release the funds, even after a notarized letter from me, extensive paperwork proving the account is mine, and multiple forms of identification from me. Huntington refuses to release the funds to the customer and also refuses to return the funds to me. They have been holding these funds for over 2 months. I would like Huntington Bank to release the funds back to me.
Product: Credit card or prepaid card

I'm very concerned how Capital One has hurt my credit so badly by being so quick on closing my accounts while me reaching out to them on 2017 for resolutions. Fast-forwarding, I visited one of their branches less than 4 months ago, and nobody was able to help, other than an employee at the branch phoned customer services so I could chat, and the lady was nasty over the phone, so I left. Then a few weeks ago I called again & always hitting a wall. 

My point, if a consumer has calls & calls & visits in person, in search of resolutions & I get the accounts closed because they weren't willing to help now I'm suffering the consequences with credit scores.
Product: Prepaid card

I received an Amex gift card in the mail directly from Amex as a gift from work. I used it at XXXX merchants 1 day apart. I went to use it 2 days later and bal is XXXX s/b {$37.00} ... Went online to view bal and transactions and was used at a XXXX in NY ... I live in TN ... Unfortunately Amex treats cards as cash looks like number was stolen at merchant ... I think it was the XXXX ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is 2 accounts that are reporting on my experian credit report that is suppose to be deleted. XXXX has finally confirmed these 2 accounts and deleted them off my report however experian keeps just updating the information which is wrong. XXXX XXXX XXXX and XXXX should have been deleted off my experian credit report over 2 months ago. Yesterday X/XX/2017 I received a letter in the mail of the outcome from the investigation again. It shows the same information that these accounts have been confirmed as mine and updated. This information is wrong which is leading me to believe they are not doing a proper investigation. Like I mentioned earlier XXXX had done there investigation and deleted the 2 accounts. That means the same response from these 2 companies should be the same. I have been disputing this with experian for quiet some time now and they refuse to delete these accounts which is causing a hardship and a negative impact on my credit score. I am submitting this complaint about experian because they fail to do a proper investiagtion because I myself have contacted both companies and was told the information will be deleted once they receive the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting the method of verification from TransUnion since XX/XX/XXXX and they havent complied. I have been receiving generic letters and the latest XXXX XX/XX/XXXX states it was verified. Per the Fair Credit Reporting Act ( FCRA ), the credit reporting agency is required to give you a method of verification within 15 days of your request which has not happened. This is my 2nd complaint on them
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had XXXX XXXX, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.
Product: Consumer Loan

I disputed TD Auto finance on my credit report because it was reporting that I was delinquent after the account was discharged and closed since 2010. After the credit agency contacted TD Auto, they reopened my account and updated it as delinquent with several late payments and the previous XXXX balance updated to {$2500.00}. Then two days later, TD Auto reclosed the account. This cost me a drop of XXXX points to my credit score. This has to be illegal. I should not have been penalized for disputing a charge on my credit report, but I was! Please help!
Product: Checking or savings account

On XX/XX/2020, I called Money Network 's customer service phone number to make a request to close my account and be mailed the remaining balance in the form of a check. I submitted the requested information to the email address the customer service representative gave me ( XXXX ) and was told I would receive the check in the mail in 7-10 business days. 

Today is XX/XX/2020 and I never received anything in the mail from the company so I called the customer service number for an update and the representative I spoke with said they have no record of my sent email from XX/XX/XXXX. So I confirmed the email address was correct and resent the email three times while on the phone with the representative, in which they said they were unable to see it being sent in and had no further able to help me close my account and retrieve my money. They have frozen my access to the funds in the account and are have been charging a {$5.00} maintenance fee per month towards the money in my account. I simply want to close the account and be issued my money that is left in the account and they are not helping me do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage was in a COVID related forbearance plan XXXX. Prior to COVID and entering the forbearance, the mortgage was current. In XXXX of 2021 the mortgager was contacted and ACCOMODATIONS to bring the loan current were made and completed. A company appointed Loss Mitigation Specialist advised me on XX/XX/2021 not to make a payment that the modification accommodations would begin in XXXX. Three auto draft payments were scheduled and made as agreed upon. According to the CARES Act a loan that was current prior to COVID where mortgage/ payment accomodations were made to bring the loan current within 120 days of the end of the Covid National Emergency , should be reported as current. The COVID national emergency ended XX/XX/2021. The mortgage company reported the loan late which resulted in a drop of over XXXX points to my credit score. I had never had a delinquent payment in the history of the loan prior to XXXX. Requests were made multiple times to remove the negative reporting from my report but the mortgage company refuses. 

During the forbearance and during resolution exiting forbearance, I remained in contact with my loan servicer. I complied with every request made to resolve all issues regarding XXXX related forbearance. As a customer who remained in good standing pre COVID and post forbearance, I requested negative comments be removed from my credit. The company refused despite several disputes and escalations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, NM XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX FTC Complaint Number : CFPB Complaint : XX/XX/XXXX Subject : Formal Dispute and Demand for Immediate Resolution of Fraudulent and Erroneous Credit Reporting To Whom It May Concern, I am formally disputing significant inaccuracies in my credit report and demanding immediate corrective action. My credit score has unjustly dropped nearly XXXX points due to a fraudulent XXXX XXXX account that has been reported and updated monthly. I previously submitted a notarized affidavit proving I am a victim of identity theft, yet Equifax continues to allow this fraudulent account to damage my credit profile. 

Additionally, I am disputing the balances reported for my XXXX XXXX and XXXX XXXX credit card accounts, both of which have a XXXX balance. These reporting errors are unacceptable, and I demand they be corrected immediately. 

Equifax 's continued failure to address these issues mirrors past cases where plaintiffs prevailed against the company : XXXX. XXXX v. Equifax Information Services, LLC The plaintiff won over {$180000.00} after Equifax failed to correct errors despite repeated notifications. 


XXXX. XXXX v. Equifax, LLC A {$60.00} XXXX settlement was awarded due to failure to properly handle disputed information and identity theft claims. 


XXXX. XXXX v. Equifax Information Services, LLC The plaintiff secured damages after proving Equifax negligently maintained inaccurate credit reports that led to severe financial harm. 



These cases underscore the legal consequences of failing to fulfill obligations under the Fair Credit Reporting Act ( FCRA ). Your continued negligence in resolving these inaccuracies not only harms me financially but also exposes Equifax to further liability. 

The accounts in dispute are as follows : XXXX XXXX Account : XXXX, Opened : XX/XX/XXXX, Balance : {$7800.00} XXXX XXXXXXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX Balance : XXXX {$200.00} Fraudulent Inquiries : XXXX XXXX Attached, you will find : My notarized affidavit proving identity theft. 

Supporting documentation, including my FTC and CFPB complaint records, Social and ID. 


I urge Equifax to immediately : 1. Remove the fraudulent XXXX XXXX account XXXX XXXX XXXX XXXX. Correct the balances on my XXXX XXXX and XXXX XXXX credit card accounts. 


3. Update my credit report and reflect the corrected score. 


You are required to provide a written confirmation of your investigation and resolution. Failure to address this matter promptly will leave me no choice but to pursue legal remedies, including filing a complaint with relevant authorities or initiating a lawsuit for damages. 

I expect full resolution of these issues within the timeline mandated by the FCRA. 

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

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Debt collection

After receiving notification on my credit report in XXXX, I noticed items on my credit report that did not belong to me. My credit report disclosed that the creditor XXXX was listed on my credit report. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Consumer Adjustment Co - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. XXXXonsumer Adjustment Co states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Consumer Adjustment Co has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, I see there are late payments reported by XXXX XXXX XXXX during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section 110401 creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful I order that XXXX XXXXXXXX XXXX Remove all adverse information reported during covid 19 pandemic. 

XXXX XXXX
Product: Credit card or prepaid card

This company sent a letter for unusual activity for me to confirm the card was in my possession and a restriction was placed on my XXXX account. I contact them on XX/XX/XXXX with a letter dated XX/XX/XXXX. Was told they would issue a new card and claim would be submitted to the fraud department and the charges would come off within 2 days. I called on XXXX to only be told the restriction was not removed and now a form needs to be submitted and it can take 60 days for a review. Within 60 days I would be paying this balance within 30 days and these charges are being reported to my credit report reflecting a high utilization on this card.
Product: Debt collection

Eagle Account group is trying to collect the wrong amount this is the wrong price and i don't owe the price that they have listed so since that is inaccurate they need to delete this as possible
Product: Credit reporting or other personal consumer reports

I am writing to formally request detailed verification and documentation regarding the investigation process for a disputed account on my credit report. This dispute was submitted to Transunion, and was marked as verified. Additionally, I request the immediate removal of this inaccurately reported account based on the Fair Credit Reporting Act ( FCRA ) Sections 611, 611 ( a ) ( 5 ), and 623 ( b ), Section 501.204 of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), and the Truth in Lending Act ( TILA ) 15 U.S.C. 1601. 
Disputed Account Information : Account Name : XXXX XXXX - **Section 611** : Under Section 611, I have the right to dispute inaccurate or incomplete information on my credit report and to request a thorough reinvestigation. 
**Section 611 ( a ) ( 5 ) ** : If the disputed information is found to be inaccurate, incomplete, or unverifiable, it must be corrected or deleted promptly. 

- **Section 623 ( b ) ** : Furnishers of information are required to investigate the completeness and accuracy of the information provided and to correct any errors found. 

2. *XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) - Section 501.204** : - The reporting of inaccurate information may constitute deceptive and unfair trade practices under XXXX. Fair and transparent business practices must be maintained to prevent consumer harm. 

3. **Truth in Lending Act ( TILA ) - 15 U.S.C. 1601** : Truth in Lending Act ( TILA Section 1601 ) : Section 1601 of the U.S. Code ( 15 U.S.C. 1601 ) is part of the Truth in Lending Act ( TILA ), which requires the provision of accurate and transparent information in the terms and conditions of credit. This regulation reinforces my right to accurate and truthful reporting of my credit information.

*Dodd-Frank Wall Street Reform and Consumer Protection Act : * - *Section 1031 ( 12 U.S.C. 5531 ) : * The Consumer Financial Protection Bureau ( CFPB ) has the authority to prevent abusive practices by credit reporting agencies.

*Section 1036 ( 12 U.S.C. 5536 ) : * Prohibits unfair, deceptive, or abusive acts in relation to consumer financial products or services, which includes the obligation to correct inaccurate credit information