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

Subject : Formal Complaint Against Equifax Regarding Mishandling of Identity Theft Dispute Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Equifax for the mishandling of my identity theft dispute, which I initiated on XX/XX/year>, via the Consumer Financial Protection Bureau ( CFPB ). My complaint relates to Equifaxs failure to attach critical documents I submitted to support my case and their apparent lack of timely action in resolving this urgent matter. 

On XX/XX/year>, I contacted Equifax to inquire about the status of my dispute and verify whether the documentation I had submitted was received. I was informed that my dispute was under investigation. However, I was also told that no documents had been attached to my case. This is highly concerning, as I uploaded several items of material evidence, including medical records, through the CFPB portal at the time of initiating the complaint. 

The CFPB complaint numbers are as follows : XXXX XXXX XXXX The evidence I provided, which includes medical records, is essential to substantiating my claim of identity theft. Yet, Equifaxs mail-in department has failed to attach these documents to my dispute, causing unnecessary delays. Given the urgency and federal guidelines surrounding identity theft disputes, Equifax is required to resolve such matters within four business days. 

Today marks the third business day, and my documentation remains unprocessed. On XX/XX/year>, Equifax representatives confirmed that my documents were still not attached to my dispute. This raises serious concerns about Equifaxs commitment to resolving disputes in compliance with consumer protection laws. 

To ensure my case is handled properly and without further delay, I am resubmitting the information and requesting the XXXX XXXX XXXX assistance in holding Equifax accountable. Specifically, I seek the following : 1. Immediate attachment and review of the documents I provided to support my dispute.

2. A timely resolution of my identity theft complaint, including the removal of the disputed item from my credit report.

3. Assurance that Equifax will adhere to applicable regulations and timeframes for dispute resolution moving forward. 

Please let me know if additional information is required to process this complaint. I appreciate your attention to this matter and look forward to your assistance in ensuring Equifax fulfills its obligations promptly and responsibly. 

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

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX 2021
Product: Checking or savings account

On XX/XX/XXXX I received an unauthorized transaction from XXXX for the amount of XXXX dollars : I contacted Bank of America immediately after seeing this charge and filed a dispute. I was advised to contact XXXX XXXX as well, in which i did. I was informed by XXXX rep that since event had already passed I was not able to get a refund but that what they advise costumers to do is to contact their bank and once their bank files a claim with them they can refund money back. Days later someone from XXXX XXXX contacted me and gave me a claim number in acknowledgment that my charge was unauthorized and that they will be waiting for my bank to contact them. I was given a temporary credit days by Bank of America days later. I received a letter on XX/XX/XXXX stating my claim was denied because The charge was authorized by you or made by someone who has permission to use the card or account. I contacted Bank of America upon receiving that letter and they informed me that because I had purchased a ticket to see the same XXXX in the past they found that transaction valid. I contacted XXXX XXXX only for them to tell me Bank of America never contacted them to dispute the transaction. Spoke to supervisor named XXXX and she assured me they would be able to refund me but my bank needed to contact them, in which they never did. I proceeded and filed a claim against XXXX XXXX with the XXXX. I called Bank of America to have my claim be re opened, spoke to representative named XXXX from claims department on XX/XX/XXXX and he stated that he had good news and it was that XXXX XXXX  was going to refund my money but that I needed to submit a statement and fax it over. On XX/XX/XXXX I faxed over documentation in support of my claim which included my statement along with the copy of the XXXX  complaint. so that my claim would be reopened. On XX/XX/XXXX, I received another letter from Bank of America stating The charge was authorized by you or made by someone who has permission to use the card or account. They have not contacted XXXX XXXX to dispute this item, XXXX XXXX assured me once my bank submitted the claim with them they will be refunding me. But Bank of America refuses to contact XXXX XXXX and they make the decision to deny my claim on the only fact that I have used XXXX XXXX once in the past and that my account wasnt completely whipped out when the unauthorized charge happened, in which it basically was. I was only left with XXXX dollars to spare. Never in my life have i made a purchase so big, you would think Bank of America wouldve tried to block it as it definitely was an unusual amount. They refuse to refund me my money even after sending them signed statements and proof of my communication with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from Gateway Lending and Finance is fraudulent. I never had a loan open with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am attaching a letter that explains why I am disputing the changes on my credit report. after reviewing my credit I am asking all the credit bureau reinvestigate the information on my report any misspelled or wrong information.NAME : XXXX XXXX XXXX Address:XXXX  XXXX XXXX XXXX ga XXXX Date:XX/XX/2023 I just looked at my credit report because i have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct andeverything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 
Account name : XXXX XXXX account number:XXXX  investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name:XXXX XXXX XXXX  account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : us bkpt ct GA XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : XXXX XXXX XXXX account number:XXXX investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report. 
Account name : account number : investigate the completeness and accuracy of every piece of information if its not accurate, please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear team of Consumer Financial Protection, I was shocked to realize that I have unknown items in my credit report mainly inquiries that are not connected to me. I have never done anything connected with these inquiries. Moreover I can not understand how come I got into this situation that my report is damaged by unknown items. Please `I kindly ask you to remove them and make investigation because I feel its a mistake or error in reporting or something else. I hope you will help me.
Product: Bank account or service

We have a XXXX investment account, which includes a cash account that is managed by BNY Mellon ( we are told ). We were contacted by their fraud department due to some odd charges on our XXXX debit card. We called, confirmed that the charges were n't ours ( XXXX and some prison phone service - neither of which have we ever used ), and asked to have the card shut down as soon as we got some cash out. The card was not shut down, and five days later there were more charges. We contacted the bank, and were told by supervisor XXXX XXXX that all of the charges would be reversed, and that we 'd receive confirmation in 10 days. We then received a letter stating that BNY Mellon is denying the claim, and giving a number to call. I called, and the person there said " Maybe you should write them ...? ". 

This is a XXXX card with an advertised 0 % liability, and we 're out over {$500.00} - that makes no sense.
Product: Credit card or prepaid card

On XX/XX/2017, I used my Chase VISA credit card to purchase some interstate moving services from XXXX XXXX XXXX XXXX. I made a payment to XXXX XXXX XXXX XXXX with my VISA card of  {$810.00}. However, the moving company did not deliver many of the goods that I contracted them to pack, move, and unpack. I spent several months trying to resolve the issue with the moving company. But the the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in a single attempt from Chase to reach out to me for further information. In fact, Chase sided with the merchant each through the dispute and the appeals and was unable or unwilling to help resolve the dispute.
Product: Debt collection

I never received the debt validation letter from National Credit Systems. Once I learned of the debt, I additionally requested on XX/XX/year> via both mail and email the debt validation letter and still never recieved it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters disputing these unknown inquiries to no avail they were not removed. it has been over 60 days since i have been requesting for validation and deletion
Product: Debt collection

The debit was paid in full on XXXX/XXXX/16 and they continue to report to XXXX that the debit is unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Choice Recovery is still reporting 4 individual derogatory remarks on my transunion credit report for XXXX XXXX XXXX. 
All 4 are from the same day for the same thing on XX/XX/XXXX. That is more than 6 years ago. My ChapterXXXX bankruptcy was discharged on XX/XX/XXXX. 
Also i thought there was legislation that passed in XXXX prohibiting medical from being reported.
Product: Credit card

On last XXXX I see post for XXXX XXXX  Citicard at XXXX When I respond or klik the post, they direct to the XXXX  XXXX. They send link and ask me to go to Citimobile Banking app for update data. 
XXXX after this process. Once I got notif that there is unauthorized purchase at online shop from Citi message. 
I directly call citi center and inform the situation and ask them block all cards. 
I contact the merchant for req canceled the unauthorized purchase, but It cancelled. The scammer order online and pick up the good directly. Im argue why they sell good with different buyer name and payer card name. 
I had report this to local Police XXXX, they had make report but they dont have time to review and investigate till today. I go there every day. 
In XXXX we got hit by Cyber Crime especially from Social Media. Most of them never get cough or free since our authority overwhelm with many cases I req Citi for propose XXXX XXXX XXXX for this transaction, but Citi reject my request with reason is my careless deal with scammer. 
On XXXX, Citi Bank XXXX send email to all Credit card customer that announce about fake content at social media asking us to be careful. But Its too late since I get scam and fraud on XXXX.
Product: Credit card or prepaid card

I had made a complaint on Target red card last month and you reached out to them for me them they finally answered me, they asked me to fill out a fraud questionaire and i did and all they did was stop the collection department from calling me, it is still showing as if i own the credit card on my report and that i failed to pay, i didn't take out this credit card and i asked them to remove this from my 3 credit reports and its been 30 days and nothing has been done, it's still showing on my credit reports that its been closed by target and past due and that I am delinquent on the account for over a year, this is ruining my credit score and this is not even my credit card. I did not take this card out. I gave them everything they needed in a 24 hour turn around I want this removed off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requestor ( myself ) : XXXX XXXX Contact : XXXXXXXXXXXX Phone : XXXX Account # : XXXX Business : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX On XXXX '2016, XXXX XXXX XXXX reported to the credit bureaus that I was 30 days late on car note payment. All car note payments were made on or before the due date. 

After investigating this matter with XXXX XXXX XXXX, they stated that the late reporting was due to fact that they were unable to verify my car insurance coverage and expected me to pay an extra {$1500.00} per month while they obtain validation. XXXX XXXX XXXX eventually received events that that my car insurance had never lapse but they refuse to remove the 30 days late payment and fees from my credit report. I paid the fees to avoid anymore negative reporting on my credit report. I 've tried to working with several levels authority within XXXX XXXX XXXX and they refused to update my credit report. I 've also contacted the credit bureaus for assistance with getting this negative mark ( 30 days late ) removed but no success. 

If you can kindly assist with this matter, it would be greatly appreciated. 

Best regards, XXXX XXXX XXXX
Product: Mortgage

PHH Mortgage had responded to complaint stating they would provide all documentation. but has not sent final signed deed to finish short sale. The sale can not be completed for all parties until they do.
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. 

Account name : XXXXXXXX XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX  # 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 then 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: Debt collection

Inaccurate Account Information** : The report inaccurately lists an account with Credit Acceptance Corporation as being 120+ days late with a balance of {$6900.00}. However, there is no detailed payment history provided, making it challenging to verify the accuracy of this information. 

3. **Collection Account Error** : The report indicates a debt in collections with XXXX XXXX XXXX with a closed collection account and a balance of {$190.00}. I have no record of this debt in collections, and I request further investigation into its validity. 

4. **Incorrect Inquiry Listings** : The report lists inquiries from XXXX XXXX  and XXXX XXXX  as hard inquiries on XXXX, but I have not authorized these inquiries. Additionally, there are discrepancies in the reporting of inquiries between the three bureaus. 

I request a thorough investigation into these discrepancies and inaccuracies, and I ask that any erroneous information be promptly corrected or removed from my credit report. Enclosed with this letter are copies of supporting documents, including proof of address and any relevant correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, This is my fourth dispute over the past couple of months I have file in regards to XXXX, XXXX  and Experian violations and none compliance of the Fair Credit Reporting Act. XXXX, XXXX  and Experian continue to use stall tactic to not delete the inaccurate information on my XXXX XXXX XXXX account for the month of XXXX. XXXX  continue to request information from me to prove my identity. I have on multiple occasions provided the complete requested information to prove my identity to XXXX  most resent on XX/XX/XXXX. I have provided my drivers license showing my name, home address alone with my XXXX W2 form showing my name, home address and SSN to XXXX. 

CFPB, XXXX  in my last dispute with this inaccurate account has used stall tactic accusing me of being a credit repair company and now for the second time they are stalling and refusing to delete this information by requesting information for my identity that I have provided multiple times to XXXX, XXXX  and Experian through my dispute with CFPB website I have provided the information requested multiple times. I have file other dispute resently with XXXX  and have received response at my home address at XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX. XXXX  knows my identity this is willful stall tactic to not delete this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to excited my concernregarding zelles handling of disputes, particularly in the light of the recent light of the CFPB lawsuits XXXX highlighting significant issueswith the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims. They informed me that recovering lost funds was impossible and that tracking these claims was not feasible. The CFPB findings indicate that Zelle not only neglected to protect the consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable.
Product: Debt collection

XXXX Hospitals of XXXX XXXX never billed, or validated when requested, the amount presented ( XXXX ) for XXXX work. there was a erroneous billing to my insurance XXXX XXXX XXXX XXXX and a later refund to them which they applied to wrong bill for later work. Some years later another overcharge and repayment was applied to this item in collection. Not legal as they had turned action over to collection and can not act on the bil the second XXXX dollar overpayment should have been returned and the other earlier bill should have been removed. Multiple phone calls have yielded nothing as each other blame the other.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern, I, XXXX XXXX am a consumer and natural person fully aware of my rights protected by The Congress under the Fair Credit Reporting Act ( FCRA ). I write to bring attention to the violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 by the accounts listed below. LIST OUT INACCURATE ACCOUNTS HERE The provisions of 15 U.S.C 1681 Section 602 A guarantee my right to privacy. 
Furthermore, 15 U.S.C 1681 Section 604 A Section 2 specifies that a consumer reporting agency can not furnish an account without obtaining my written instructions. 

I request the immediate deletion of this account, unless you wish to be held liable for {$1000.00} per violation. I expect that this matter will be addressed promptly and that the necessary actions will be taken to rectify the inaccuracies in my credit report. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. XXXX {$590.00} XXXX {$18000.00} XXXX {$11000.00} XXXX XXXX {$79.00} XXXX XXXX XXXX {$290.00} XXXX  XXXX {$1400.00} XXXX  XXXX  XXXX   XXXX {$2100.00} XXXX XXXX {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Under hard inquiries on my experian credit report, XXXX/XXXX is scheduled to be removed XX/XX/2021 with no specific date, just, XXXX XXXX.Requesting this Hard Inquiry to be removed
Product: Debt collection

TRIDENT ASSET MANAGEMENT is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.