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

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

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

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

During the middle of XXXX and all through till today XXXX I have been trying to get an additional loan or refinance my loan with one main but they keep denying me and I have been making all my payments and they have also been charging me extra Many Many times I paid two or three times for the monthly payment for just One month and I tell them and they deny it when even my bank tells me it went through. And now theyre telling Me I owe the {$1900.00} still but I only owe them {$1400.00} left, it even says that on my credit report. They also havent let me use Any of my Add-ons that were supposedly added to my loan. They tell Me j can not use the insurance that I paid for to help me make a payment because I didnt get paid in time. They laugh while Im talking to them. They tell Me they can help me get refinancing and or an additional loan and to give them my social security number and do the hard pull and tell me sorry we cant then they laugh and tell me to try again next month. This is ridiculous.
Product: Credit card

I did not make a purchase of XXXX from a company called XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX settled the account on XX/XX/, 2024, The credit report information incorrect and needs to be deleted.
Product: Credit reporting or other personal consumer reports

According to the fair Credit Reporting Act this creditor has violated my rights under 15 USC code 1681 ( E ) ( B ) Which states a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual about whom the report relates. The reporting agency has failed to show validation of bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Account on Equifax Credit Report Dear Equifax Information Services, I hope this letter finds you well. I am writing to formally dispute inaccurate account information that is currently appearing on my Equifax credit report. It is of utmost importance to maintain accurate and fair credit reporting, and I kindly request your assistance in addressing this matter. 

Account Information : Creditor Name : XXXX XXXX Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Account Information : Creditor Name : First Progress Account Number : XXXX Account Status : Charge Off Date of Inaccuracy : XX/XX/2023 Upon reviewing my Equifax credit report, I have identified discrepancies in the account information provided above. Specifically, the reported account status is inaccurately listed as [ Incorrect Status ]. This misinformation is adversely impacting my creditworthiness and overall financial standing. 

I take my financial obligations seriously and understand the significance of accurate credit reporting. I am committed to addressing any legitimate financial responsibilities I may have, but it is equally crucial to ensure that my credit report reflects correct and up-to-date information. 

In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am formally requesting a thorough investigation into the validity of the account information in question. I kindly ask that you conduct a comprehensive review of the accuracy of this account with the respective creditor, [ XXXX XXXX ]. Should it be determined that the information is indeed inaccurate, I respectfully request the immediate correction or removal of the account from my Equifax credit report. 

Enclosed with this letter are copies of supporting documents that illustrate the inaccuracies present in the reported account information. These documents include statements from the creditor, payment records, or any relevant communication that substantiates my claim. 

I am aware that the FCRA mandates credit reporting agencies to conduct prompt investigations and provide written responses to disputes. I kindly request that you keep me informed about the progress of this investigation and provide written confirmation of the actions taken to rectify this matter. 

I appreciate your dedication to accurate credit reporting and thank you for your attention to this issue. Please feel free to contact me at XXXX or XXXX if you require any additional information or if there are further steps I need to take to facilitate this process. 

Thank you for your assistance in promptly addressing this matter and ensuring the accuracy of my Equifax credit report. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted PayPal CREDIT aka Synchrony Bank to get a credit balance refund of {$17.00} mailed to my home address and close my cc account. The only way to get in touch with anyone at either of these companies is via " Live Chat '' on my phone so I got in touch with customer service representative XXXX XXXX who asked why I wanted to close my PayPal CREDIT/Synchrony Bank CC account and I said its because PayPal/Synchrony Bank flatly refused to lower my CC interest rate when I was struggling financially. He told me he would help me and asked what my mailing address was so " they could send me a check '' for the credit balance refund. I texted him my mailing address and he did not respond. After a few minutes I asked if he was still there and the app kicked me out. I was able to get back in and the app said I needed to contact Synchrony Bank. This is a bait and switch and these financial companies do this on purpose to make it difficult for consumers to close their accounts so the financial companies can continue to charge usurious interest against Americans many of whom are struggling financially to pay their household bills. I demand that PayPal CREDIT/Synchrony Bank ( or whoever they call themselves now ) mail me the credit balance of {$17.00} and close my credit card account immediately. In addition, they need to make sure my account shows as closed " Upon consumer 's request '' or something similar on my credit reports. This/these companies should not be allowed to continue to do business in the state of Arizona until they figure out how to communicate and help their customers that they are charging exorbitant rates and fees to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite the previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following account be verified or repaired immediately. 

XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$24.00} - I was never late ... the bank made an error with my address and sent the statement to the wrong address. They said they would remove the negativity. Please remove negativity... please check account is not untimely, unverifiable, incomplete or inaccurate.
Product: Credit reporting or other personal consumer reports

I applied for the XXXX XXXX loan forgiveness program ( PSLF ). My loans were transferred from XXXX to XXXX. In XXXX of XXXX, XXXX informed my my application was complete and my loans have been forgiven under the XXXX program. The loan information was moved to XXXX but XXXX is still reporting to credit bureaus that I have a balance with their company. This is despite the fact that on XXXX 's website, they reflect I have a XXXX balance. I contacted the company on a prior complaint and they reported back that the ~ {$34000.00} balance is correct. I contacted the company via phone last week and the customer service agent confirmed my balance is {$0.00}. I asked the agent to have XXXX report to the credit bureaus. I received a letter on XX/XX/XXXX stating XXXX is correct in their reporting and will not change the information. This is despite the fact that my loans were moved from them in XX/XX/XXXX. 

Attached are documents from XXXX informing me in XXXX of XXXX that the loans were being transferred, a screenshot of my stated balance with their company pulled from their website, the letter I received this week, and then the forgiveness notification from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. has never contacted me at all. However, this agency is illegally reporting an alledged account on all 3 of my credit reports, XXXX, Trans Union and XXXX. A lawyer has agreed that their not contacting me in advance is a serious violation.

I am willing to go to court and sware under oath that this account does not belong to me and I will file suit stating that I am not liable for this alledged account that had been put on my credit reports without any notice to me.

The lawyer I spoke with told me I could sue for at least {$3000.00} right now minimum not including his legal fees that XXXX XXXX would be liable for. I never had a contract with this firm and I am seeking monetary relief at present due to XXXX XXXX violations. I also demand that XXXX XXXX delete this debt from all 3 of my credit reports immediately.
Product: Debt collection

Comenity Bank has called my number numerous of times looking for my son not I and Ive asked them several times to remove my number from their call system I am not a user on that account nor is my phone number on that account at the point its affecting my health and they continue to call harassing me at all hours of the day and night
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed multiple certified letters to Equifax and XXXX   regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from XXXX that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from Equifax out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX  Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that 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. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Money transfer, virtual currency, or money service

Card was previously added to the XXXX payments center to keep on file for digital purchases. Subscription service was linked to card thru XXXX. Renewal time came around and card had expires as I forgot about the subscription from a year ago. XXXX as punishment issued a ban for any adding of cards to my entire XXXX account. Contacted XXXX. They advised they would not unrestrict it. I find this to be a violation of UDAAP. Having a card reissued for the same card number ( new exp and cvv ) is not an indicator of fraud or money laundering etc. That is a common  practice of a bank to issue a new card with a new exp. I feel XXXX has been unfair and very deceptive about accepting payment and giving support which did not solve any issues.
Product: Debt collection

They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine
Product: Checking or savings account

My wallet was stolen from the XXXX  on XXXX XXXX sometime onXX/XX/XXXX. I called the bank to cancel my account and credit cards. The following day, AFTER my account was flagged for fraudulent activity, the man who had my wallet was able to withdrawal {$550.00} from my growth account and make purchases from my spend account totaling {$160.00}. This puts my total stolen amount at {$710.00}. I have talked to the branch manager several times, explained that Im a single mom who NEEDS my money, and she was not able to help at all. She gave me the number for her manager and he has ignored my many calls. Because the bank wont give me my money I wasnt able to pay any of my bills or get groceries for my daughter and I. I am begging for someone to help me with this!!! They just keep saying they have to investigate, but the man who stole my wallet has been arrested and is in custody! Why in the world would they still not be able to give me my money! It was their mistake!!! How does someone withdraw funds from an account that has been flagged fraudulent! Please help me to understand.
Product: Credit reporting or other personal consumer reports

Experian 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 Experian, alleged systematic 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 Experian has neither corrected nor removed 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 Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to the last letter on XX/XX/XXXX, I have sent several correspondence letters to Equifax to fix errors on my credit report. I have sent in dispute letters as well as a police report and FTC ID theft report and yet these accounts remained on my credit profile. XXXX  and XXXX   conducted their investigation and concluded with removing these items off of my credit profile because they did not belong to me.The next step is litigation after I have repeatedly given information and reports that were asked of me to get these fraudulent items and balances removed from my credit profile. Furthermore, no information is given from Equifax to debate the information I have sent them. This is not how the FCRA dictates these investigations to be completed. A thorough investigation must be conducted and all individuals or documents received from he furnisher should be given which caused the verification must be released to me. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Equifax is well aware of current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

Equifax has ignored my request to provide documents that they used to verify the disputed accounts which means that Equifax have NOT verified or can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA, which required you to delete the items when I provided evidence of ID theft. I have repeatedly completed my job to rebut any fraudulent issues on my credit profile.
Product: Credit card or prepaid card

XXXX XXXX a charge appeared on my Chase Visa account for {$1400.00} from XXXX XXXX. When I received the statement, I contacted Chase and advised I did not make the purchase. Chase phone number XXXX Chase removed the charge from my account. I thought it was taken care of. 
One my XXXX statement the charge appeared back on my account. I again contacted Chase and they said XXXX said I made the purchase. ( note I never received a call from Chase before it appeared on my card again XXXX The routing number for the purchase from XXXX was XXXX XXXX. It left XXXX facility on XXXX. On XXXX the address was corrected and left at a front door in XXXX, FL no signature required. I live 3 hours away from XXXX. I have tried to contact XXXX to no avail to see who ordered the change of delivery location or where it was delivered, but I could not get a hold of a real live person. 
I called XXXX on XXXX at XXXX, and after waiting 95 minutes a person told me they would refer it to another department. I had also sent XXXX an email on XX/XX/XXXX to XXXX. This person I spoke with found the email and said she forwarded it to that dept. Her name was XXXX. ( Additionally, I contacted XXXX in XXXX and waited 45 minutes before talking to a live person ) this is the customer service department XXXX. 
I also filed a police report with XXXX XXXX Police XXXX. on XXXX. XXXX XXXX took my statement and the case number is XXXX. Phone number XXXX I have told the police dept to prosecute the person that stole my credit card. 
Today I received a letter in my email from Chase saying the they confirmed the transaction was valid. The phone number on the letter is XXXX they are currently closed. I also emailed XXXX today XX/XX/XXXX to see if she sent this after I spoke with her on Friday XX/XX/XXXX. 
I am not sure if this is important but I was in XXXX XXXX Florida on XX/XX/XXXX to the XXXX and used this card at XXXX XXXX XXXX on XXXX in XXXX XXXX and also at XXXX XXXX  of XXXX XXXX XXXX XXXX. 
I will be happy to forward you any documents you need but most have personal information on them.
Product: Credit reporting or other personal consumer reports

My husband and I are trying to purchase a house. There was an error on our credit reports showing a mortgage with a delinquent balance long after the debt was XXXX in bankruptcy. I contacted XXXX Mortgage and provided them an additional copy of the bankruptcy documents and demanded an immediate correction. We then provided Experian with a letter from the mortgage account stating that they had made corrections and the debt was XXXX in bankruptcy in XX/XX/year>. Experian told our new mortgage company that they would not accept the letter from XXXX mortgage and the delinquency remained on our reports. Experian then corrected our report on the consumer side - the report that WE can access - but has not rescored our account on the report that the mortgage company pulls for loan qualification. We tried contacting Experian ( as did our mortgage company ) for the correction and were told that it was already corrected. As of today the report the mortgage pulls has NOT been corrected or re-scored. This is preventing us from purchasing a home. My husband and I feel like both companies have been in clear violation of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

My card was lost/stolen around XX/XX/2020. I reported it to key bank and requested that my card be closed and a new one sent since this was the preferred method of payment for my unemployment insurance. However It has been over six months now and after multiple times contacting the company listed above they had only just closed my card down within the last few months well after a huge portion of my benefits have been spent by someone other than myself and it's now well into the XXXX dollar margin of loss that I have now been taken for and they have not been able to get back to me one time with an answer or resolution to the issue not have they even attempted to contact me leaving it to me to be the only side of our agreements that has followed through and continued attempting to reach out to them in hopes that we may solve this issue in a civilized manner. I now find it most difficult to get in contact with this company there for I am now reaching out to a third party in hopes that I may have some assistance in getting the issue at hand resolved so that I may finally be able to receive the benefits that are not only owed to me but that are most definitely needed and very much the difference between life or death with the importance of these funds when it comes to my living situation and  honestly how much I've been deprived due to the lack of these funds!!! Thank you for taking time out of your day to read this and hopefully there will be immediate action taken so that I may be able to continue my life as close to what it was like prior to the mishaps of losing my income In the first place! Have a great day and I look forward to hearing from you as soon as possible.