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

Complaint Against Equifax for Violations of the FCRA and CFPA I am filing this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), particularly for failing to conduct reasonable reinvestigations of disputes and mishandling inaccuracies in my credit report.

Equifax has consistently refused to correct inaccuracies in my name, address, and identity theft phone number, despite my submission of valid documentation, including proof of identity, billing statements, and the last four digits of my Social Security number ( SSN ). Since XXXX, Equifax has ignored repeated notices and disputes regarding my identity theft phone number and only recently, on XX/XX/XXXX, updated it after 36 months of inaction, but still refuses to correct my address and name. 
Equifax unlawfully reinserted a previously deleted phone number into my consumer file without proper notice or documentation, violating FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, Equifax failed to provide adequate notices of the results of reinvestigations, violating FCRA 611 ( a ) ( 6 ). It also failed to maintain reasonable procedures to ensure maximum possible accuracy, as required by FCRA 607 ( b ). 
In response to my XX/XX/XXXX, dispute under FTC 605B ( a ) regarding my address and identity theft phone number, Equifax sent 50 conflicting and generic notices. These responses revealed systemic inadequacies in its automated systems and its refusal to correct inaccuracies, perpetuating harm to my creditworthiness. SEE ATTACHED NOTICED RECEIVED. 
As of XX/XX/XXXX, Equifax continues to refuse to correct my name and address and knowingly sells inaccurate consumer information despite clear evidence that the data is incorrect. 
Violations Equifaxs practices constitute multiple violations of federal law, including : Failing to conduct reasonable reinvestigations of disputed information ( 15 U.S.C. 1681i ).

Reporting inaccurate personal information, such as addresses and phone numbers, in violation of their duty to maintain maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

Failing to notify furnishers of disputes and to delete unverified or inaccurate information ( 15 U.S.C. 1681i ( a ) ( 2 ) and 1681i ( a ) ( 5 ) ).

Mishandling fraud alerts and identity theft alerts ( 15 U.S.C. 1681c-1 and 1681c-2 ).

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) for similar violations.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX
Product: Credit card or prepaid card

Chase bank closed all my credit cards without warning. This will adversly impact my credit score as it lowers my total available by over {$10000.00} making my utilization ( which was already quite good ) go down. There was no warning, I never missed a payment, I always used the card on time. There has been no reason given to me just that they were closed without warning and that I would have to re apply ( taking another hard pull ) while they just gave me this card a week ago, which means I got a hard pull for nothing and have to wait 2 years for it to drop off.
Product: Debt collection

Myself and spouse visited XXXX XXXX XXXX XXXX, RI ( now XXXX XXXX  XXXX, RI ) on XX/XX/XXXX. A colleague at work referred me and I did not think of checking with my insurance since we work with the same company ( my mistake ). However, on getting to the dental clinic, I specifically asked if they were in my insurance network, provided them with my dental insurance card and they guaranteed they are. Well, few weeks later, I received a bill from my insurance & from the dental office stating our ( myself and spouse ) cleaning was not covered because the doctor was not in the network. 

I went to the dental clinic and they refused to cut down the bill but agreed to set up payment plan at the time, I could only afford {$5.00} a month which they agreed to. I have since then been paying city dental on the amount we agreed to. My total bill was {$610.00}, I have paid {$430.00}. now they are claiming I owe {$1300.00} because they've been charging me {$8.00} late fee. This was never communicated with me. They later sold the account to a collection agency called Capital Accounts who placed it on my credit report, called them in XXXX to fix and the company was very abusive and called me names. I later called XXXX in XXXX and XXXX took it off my credit history. 

This year XXXX, capital account reported again to XXXX, I contacted XXXX gave them payment history ( uploaded documents, supporting documents ) and they refused to take it off my credit. 

All through this time, I have called XXXX XXXX, they claimed they do not have any debt detail/medical record on me, they claimed they have no record of my payment at all while someone has been cashing my check ( called my bank and confirmed with my bank that all checks are cashed under the name of XXXX XXXX ). called capital account who refused to give me original bill and refused to settle. The {$610.00} bill was later located by my insurance. I have emailed capital account with all payment details and bill, informed them that I am willing to pay the balance of {$180.00} but I do not owe them {$1300.00} and they need to take it off my credit report. 
I have never had anything on collection, especially medical bill, I always pay medical bill but this particular company lied to me when I specifically asked them ( learned never to believe companies, now I check with my insurance company 1st ), they have been cashing my checks, have me in collections and now claim I owe them {$1300.00} from initial bill of {$610.00}. 

Please help me, save me from a deceptive company XXXX XXXX formerly known as XXXX XXXX XXXX RI. They are preying on the weak and poor, want to ruin my credit after working hard to build it and XXXX that tossed out payment history docs for companies like capital accounts.
Product: Debt collection

Contacted XXXX XXXX or XXXX XXXX company in XX/XX/2019 about the overcharge for ambulance charges higher than industry rates for a ( 4 ) miles transport to hospital emergency room. Contacted XXXX to discuss what my medical insurance company stated was the agreed plan discount amount set between XXXX XXXX XXXX and XXXX XXXX. I paid my copay cost that my insurance company said I was obligated to pay for the ambulance charges and my insurance company paid their portion of the charges due after deducting the plan discount amount calculated by XXXX XXXX XXXX. I contact XXXX XXXX or XXXX XXXX after contacting my medical health company XXXX XXXX XXXX and informed them that XXXX XXXX XXXX stated there is a plan discount adjusted for the ambulance services that health care provider determined reasonable for the service given by the ambulance company. Then I get a collection notice for the overcharges that was unreasonable as stated by XXXX XXXX XXXX, my health care provider. The ambulance company said their ambulance charges were reasonable and disagreed with XXXX XXXX XXXX calculation of the discount to their charges. Total paid by me and my health provider was {$790.00} and the ambulance company wanted {$2300.00} for their services disregarding the plan discount of {$1500.00}.
Product: Credit reporting or other personal consumer reports

I am contacting you because my XXXX XXXX  which was opened XXXX has reported without my approval a late payment on my account which is a violation according to code 15 U.S code 6802. I have attempted to contact them in regards the matter and they refuse to remove. I never missed any payments on this account and will like this to be resolved/removed. This company placed this inaccurate info on my Transunion credit profile and I will like this removed according to the following U.S Codes : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information
Product: Vehicle loan or lease

I am attempting to buyout my vehicle from my lease. I have requested a detailed lease buy-out report so that my credit union can fund my loan. I have been approved for my loan. The details listed on the report provided by Kia do not add up to the " Total Purchase Price '' they request, and my credit union will not fund the loan based on their incomplete documents. I have spoken to XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have been transferred back and forth between lease end and customer service multiple times. I have been told that the numbers don't add up because " it's in the contract '', that " I should just know what the extra amount is '' that " It's the purchase option fee '' that the " Purchase option fee will be charged later after they receive my payment ''. I have been told that it's my fault because I haven't been clear that I want a document wherein all the numbers add up to the total. Ihave been told that the " Total Purchase Price '' listed on their report isn't really the purchase price, and they will send me an addititonal bill after they receive my final payment. All I have asked for is a report from Kia wherein their details add up to their total. The best I get is a promise to request a document from lease end. All I receive is another document that doesn't add up. I have spent over 5 hours on the phone with them and been hung up on three times.
Product: Vehicle loan or lease

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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX has reported on my credit that I am the authorized user of a card. The card belongs to my wife, and she has emphatically declared that she did not add me as an authorized user. I contacted XXXX to inquire about the card and explained that at no time did my wife request to add me as an authorized user. I requested the recording of her request and any digital copies of her request to which I was denied. I requested to be removed as I gave no authorization to be added to this card but was again denied. I was instructed to speak with my wife and have her request that I be removed. I spoke with her again in length, to which she again, strongly denied and has no explanation as to why I would have been added as an authorized user. Like me, she is perturbed by XXXX 's actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate my request and has been way past 30 days. Never received a letter, email or any written document pertaining to my request! I sent in letters about my Accounts ( that are reporting inaccurately ) XX/XX/23 and never heard back from there. Now I am submitting a 30 day to demand letter to you all which they never responded to as well.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : 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  and so on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$1100.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been sold to XXXX. ( Please see page attached from my credit report. ) It is a violation of the Fair Credit Reporting Act ( FCRA ) to report a duplicate account showing a balance. I contacted XXXX and they can not access to this account and they can not locate any current account information. ( I have attached a copy of my correspondence with XXXX for reference. This XXXX account needs to be deleted from my credit report. This duplicate reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I brought my car to a dealership to get fix and used my capital one card..The dealership did not fix my car and the problem that I paid for is still not fix to this day..I disputed the charge with all the evidence of this evidence of the problem they were suppose to fix that they didn't ( they were suppose to fix a leak from a convertible car I have and the water was still coming in at the Same place they were suppose to fix ) I even had a license mechanic write a letter stating he seen the water too..I went back and forth with the dispute with capital one stating I was not going to pay for something that they didn't fix. ( they wanted me to spend XXXX dollars  to go get a water test for more proof ) I said the dealer ship that did the work on the car already did that and stating that is how they find were the water is coming in and fix it so why would i have to put more money out.I sent them again letters from my mechanic etc..The last time I talk to capital one I told them I had papers for court and ( I still have the court papers ) and I would take them to court and that was the last time I heard from them and my credit card was showing that I owed XXXX balance..So life went on and I got no bill from capital one..then all of a sudden almost a year goes by and they put that I owe them fee 's that I didn't pay from that car issue and late charges..which i never got a bill..I got a paper in XX/XX/XXXX showing again I owe nothing..Now capital one ruined my credit and I want this off my credit report..Still to this day being XX/XX/XXXX I still didn't get a bill from them..
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment to my apartments for my rent via the same link I always use every month to submit this payment. I noticed that my rent balance never updated to show the payment that I made in the amount of {$1000.00}. I reached out to my apartments immediately the next day to see if they could locate the payment. They were not able to locate the payment, I then proceeded to reach out to cash app to dispute the transaction for a refund of my money because the apartments said that they did not receive my payment. Cash app denied my dispute. 

On XX/XX/XXXX a monthly later I reached back out to my apartments to see if the payment has shown up in the system/located. The apartment still said they still dont have the payment and advised me to reach out to corporate. I reached out to corporate provided proof of the payment coming out of my account and on XXXX corporate replied after research and stated they didnt have any luck locating my payment. 

At this point it brings me to feel and believe that cashapp took my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
TO WHOM THIS MAY CONCERN: XXXX XXXX XXXX CHARGED THIS ACCOUNT OFF AS OF XXXX XXXX.
THIS CHARGED OFF ACCOUNT IS NOW CONSIDERED ORDINARY INCOME. THIS IS CANCELLED DEBT SO HOW IS IT REPORTING ON MY CREDIT REPORT AS DEBT.
I ASKED THIS COMPANY TO SEND ME A 1099-C FORM SO I COULD FILE THIS ORDINARY INCOME. THEY REFUSED TO SEND ME THE FORM, THIS IS A VIOLATION OF (15 USC 1681EB). THIS DEBT WAS WROTE OFF ON THEY TAXES TO THE IRS AS PROFIT LOSS. THIS IS NOT ACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. THIS ACCOUNT NEEDS TO BE REMOVED ASAP FROM MY CREDIT REPORT.
BRODERICK L FRAZIER
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital Systems LLC. claims to be the owner of an account thru assignment. 
This is a non existent debt/account. I have included the notice they sent and my response. I refuse to pay at this time or at any time in the future. 

Jefferson Capital Systems LLC need to Cease and Desist all communication with me regarding this non existent account. 

My response that is included speaks for itself, and states my position clearly.
Product: Credit reporting or other personal consumer reports

You have failed to complete an investigation into the accounts that were disputed almost 6 months ago. I submitted a FTC report and proof that my information was compromised in the XXXX data breach, and you continue to report the following accounts and inquiries. I am keeping close tabs on each dispute letter and complaint submitted. If the following accounts are not removed from my credit report due to inaccurate reporting and unverified information, I will move forward with filing a statement of claim. Immediately remove the following accounts and inquiries from my credit report : 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 XXXXXXXX XXXX XXXX XXXX XXXX. XXXX has since removed this account from my credit report. Please see the attached FTC report and remove the aforementioned accounts
Product: Debt collection

My XXXX XXXX was Adversed with a collection account on XX/XX/2021 By Collection Associates , LTD . They refused to provide a Validation of debt pursuant to the FDCPA. They have perpetrated Aggravated Identity Theft against Me along with STRONGARM collection tactics that we outlawed years ago. The repeated called third parties and nearbys attempting to contact me by repeated calling for weeks when they were advised I did not reside there and to NEVER call again. They threated an XXXX year old woman with " legal action '' if she did not provide my telephone number to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  credit card frivolously and capriciously reported in inaccurate and misrepresentation of facts on account been late for two prevailing months as identified as a violation of Federal Truth In credit reporting, billing, and disclosures as a matter of law. 

Payments were made timely with the credit card company by account owner and holder. XXXX XXXX credit card company desperately transferred a full payment made by an account holder to XXXX in bad faith with misrepresentation or error created by them in processing the payments that resulted in accurate reporting of a late. 

To address these concerns, a letter was sent by XXXX XXXX credit card company last month as an apology and credit the account. And, was doing what is right to correct capricious billing practices. 

This account is not my account, nor account holder as authorized person to help resolve issues created unfairly by the bank actions. 

Inconclusion, this is not my account and non account holder. The person responsible told them to remove it immediately. The bank bank has failed to act in good faith by continuing to report inaccurate information that caused financial injuries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters asking them how they verified a bankruptcy and always come back as verified accurate, I call the local US bankruptcy court and they have emphatically stated that NO ONE for any of these Bureaus, XXXX, XXXX  or Equifax have called once to verify the information. They are using a third party data base as i am thinking to gather or verify this type of inaccurate information.
Product: Credit reporting or other personal consumer reports

My credit report is reporting fraudulent information that I am not aware of and did not authorize. Between the timeframe of XX/XX/XXXX-XX/XX/XXXX. With banking institutions XXXX XXXX  and XXXX  XXXX.