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

Subject : Formal Complaint and Cease and Desist Order Against Equifax, XXXX, and XXXX for Reporting Inaccurate & Unauthorized Information for XXXX XXXX XXXX Bank. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint and issue a cease-and-desist order against Equifax, XXXX, and XXXX for multiple violations of federal laws and regulations for their roles in reporting inaccurate and unauthorized information for XXXX XXXX XXXX XXXX . I have filed a formal complaint with the Federal Deposit Insurance Corporation ( FDIC ) against XXXX XXXX XXXX XXXX. 

The crux of the inaccuracy in Equifax, XXXX, and XXXX 's reporting lies in their knowledge that the XXXX XXXX XXXX XXXX  debt in question was discharged. Despite this knowledge, XXXX XXXX XXXX XXXX  continued to furnish information related to my account to Equifax, XXXX, and XXXX, which is a clear violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and Equifax, XXXX, and XXXX continued to report the information. 

Furthermore, XXXX XXXX XXXX XXXX unlawfully attempted to collect on a discharged debt, which is considered a certificate of indebtedness by the Internal Revenue Service ( IRS ). According to IRS regulations, such discharged debt can not be reported as income. XXXX XXXX XXXX XXXX  has failed to provide me with a 1099-C for the cancelled debt as required by law. This failure to comply with IRS reporting requirements and the misreporting of my account as a debt rather than a certificate of indebtedness are clear violations of federal statutes. Attached is a copy of the 1099-C in which I personally filed for XXXX XXXX XXXX XXXX  XXXX 

Moreover, XXXX XXXX XXXX XXXX  failed to inform me of my right to exercise my nondisclosure option, as mandated by 15 U.S. Code 6802 ( b ) ( c ). This failure, coupled with the unauthorized inclusion of adverse information in my consumer report by Equifax, XXXX, and XXXX, further demonstrates the systemic disregard for consumer rights and legal obligations. 

I hereby demand that Equifax, XXXX, and XXXX immediately delete the XXXX XXXX XXXX XXXX  account related to me from my credit reports. This cease-and-desist order is issued in accordance with federal laws and regulations governing consumer rights and privacy. 

I also request a thorough investigation into the actions of Equifax, XXXX, and XXXX regarding their handling of my XXXX XXXX XXXX XXXX  account information and the inaccurate reporting of my financial status. This letter serves as my final attempt to resolve this matter amicably before pursuing further legal action, including filing complaints with the Securities and Exchange Commission. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

In XXXX my mother was hospitalized and then XXXX XXXX XXXXntil her passing on XX/XX/XXXX. When I discovered that her Bank of America credit card had a {$15.00} charge from her internet provider and Bank of America had charged her {$19.00} in late charges and interest I called Bank of America at her bedside in late XXXX early XXXX to dispute the charge as well as Bank of America fees. The Representative told us that for me to speak to them he would have to add me as an authorized user. I agreed because of the dispute and our requested closure of the credit card. We were told that he would take care of our request due to the small dollar amount and closure. On XX/XX/XXXX Bank of America put a negative mark against my credit report as {$34.00} charge off! I spent XXXX hours and XXXX departments to get them to remove this from my credit report which by the way they did not even have my social security number in their system. The final response from the supervisor XXXX XXXX was that they would not waive the {$34.00} but that she would file a dispute with the credit bureau on my behalf. I never signed any agreement with BofA accepting responsibility for my moms credit card account, never made any charges against her account, only tried to close her account. This should not be reported against my credit reports and is causing me harm by reducing my credit score and standing.
Product: Debt collection

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Checking or savings account

Please see prior complaint XXXX. This issue remains XXXX and is

st ill yet to be solved.

I suspect this is one of the 3 cards I have but have been cancelled. I tried to pay for something using the credit and the debit card and they both don't work. I think this was due to to the cancellation of several in the sending. 

Please check the records of the account, I have been unable to access them still. I got another XXXX slip and when I went to collect at the News-agency it was not there. XXXX has bought out XXXX and there are loads of delivery issues as a result. This however is a responsibility I can take on.

I think what has hap

pened is the latest ones to be sent have only turned up this week. This is still really unacceptable. I have sent 3 emails in the last 2 weeks to the bank requesting the following : I am still awaiting the arrival of the XXXX credit card. I am still awaiting confirmation of the active card number for the visa debit card. I am still awaiting confirmation on how refunds processed on the XXXX card are handled. Access to internet banking without a US phone number given they took on overseas customers.
Product: Credit reporting or other personal consumer reports

I FILED A POLICE REPORT AND IDENITY THEFT REPORT AND SENT TO A COMPANY CALLED XXXX XXXX. I LIVE IN XXXX AND THIS OCCURED IN XXXX XXXX. I HAVE NOT RECEIVED ANY GOODS OR GAIN ANYTHING FROM THIS COMPANY AND THEY REFUSE TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have the rights for privacy 15 USC 1681 section 604 A section 2.

It also states a consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. Please The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXXXXXX Balance : {$330.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Balance : {$210.00} ; XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$120.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 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 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

Equifax and CFPB are ignoring ( attached ) is a letter from XXXX XXXX setting forth they pulled my credit in error. 
Step One, Equifax tells me to contact XXXX XXXX if I believe my credit was pulled in error. 
Step Two, I contact Equifax advising I have contacted XXXX XXXX. Equifax responses if there was a mistake XXXX XXXX would send me a letter. I advise I have such a letter from XXXX XXXX. Equifax asked to send them XXXX XXXX 's letter. 
Third, Equifax ( upon receipt of the creditor 's letter ) circles back to Step One and asked me to contact XXXX XXXX if I believe the creditor pulled my credit in error. 
I contacted the CFPB ( Case XXXX-XXXX  ). I attached Equifax 's letter and XXXX XXXX 's letter. Equifax circles back to Step One and replies to contact XXXX XXXX if I believe the inquiry was in error. 
CFPB closed the prior case as if somehow Equifax 's circular responses ( to contact XXXX XXXX ) makes sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX Account number XXXX This account have been paid in full and Experian reporting the account is closed! I have asked Experian to remove this account due to not reporting accurate information. 
Experian violated my rights. Accordance with the Fair Credit Reporting ACT Convergent 15 U.S.C 1681 SECTION A ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Money transfer, virtual currency, or money service

Wells Fargo closed my account because of fraudulent activity in the year XXXX. 

I had a XXXX account opened afterwards and deposited money orders from XXXX. 
These money order added to the amount {$1500.00} and was never cleared into my XXXX  account and then had my XXXX account closed. 
I also never received any money orders or checks to claim my money because on top of the money orders deposited into XXXX they belonged to Wells Fargo Wells Fargo has my money that was wrongfully taken from me.
Product: Credit card

Inquiries from Paypal Credit was placed on my credit reports ( XXXX, XXXX and XXXX ) and it was not authorized by me. I believe this to be fraudulent and I wish this inquiry to be removed from all three credit reports. The dates of these unauthorized inquiries are as follows : XXXX/XXXX/2015 XXXX/XXXX/2015 XXXX/XXXX/2015
Product: Vehicle loan or lease

santander USA, I found out on this account this year XX/XX/2023, I filed an FTC report and a police report and Santander made an investigation of an account that not only closed, paid off and the car was sold to someone else which I did not know that nor my husband who recently passed away he never told me about a car lease or loan with this company and he did take care of our finances including mine but since he passed away I have to deal with all financial issues and when I got my credit reporting the account showed there and I called to inform it, i even sent an email directly to the ceo XXXX, XXXX, XXXX to XXXX XXXX and he gave me the brush off not even replied the email I recived call from XXXX XXXX rep from santander and he stated that they will need to open an investigation of the claim I said ok and their results was less that 10 days stating it was mine I finad that ambigous they said its mine and its not I deman santander usa to fix this issue that is causing me unecessary stress
Product: Credit reporting or other personal consumer reports

I asked them to provide proof that they verified the account by providing me with a copy of the original contract with XXXX XXXX XXXX and that the information is not XXXX percent accurate. They only responded by saying that it was accurate, but the information did not match. They did not do a proper investigation and only used stall tactics. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2. It also states a consumer reporting agency can not furnish an account without y written instruction.
Product: Credit reporting or other personal consumer reports

I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has previously reported these accounts on both my Transunion and XXXX. They have never provided validation or proof of the debt and the accounts were removed from my credit reports by the credit reporting agencies for lack of validation provided, in XX/XX/year>. 
Arbitration was held and on or about XX/XX/XXXX, they ILLEGALY reinserted XXXX collections accounts back on my Transunion and XXXX reports. XXXX accounts were added back to my Transunion and are reporting as active collection accounts, and XXXX account is reporting as a collection to my XXXX. All by XXXX XXXX. 

I am disputing the reappearance of the following account on my TransUnion and XXXX credit reports. This account was previously deleted, and its reinsertion is inaccurate. Under FCRA 611 ( a ) ( 5 ), if an account or information is deleted from a credit report and then reinserted, the credit reporting agency must notify the consumer within 5 business days. I have not received any such notification regarding the reinsertion of this account.

Additionally, as per FCRA 611, I request that you investigate the circumstances surrounding the reinsertion of this account and provide proof of its verification. If you can not verify this account, or if the reinsertion was done improperly, I request that it be removed from my credit report immediately. ''
Product: Credit reporting or other personal consumer reports

Pulled credit without a signed XXXX XXXX XXXX form SSA-89
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of the accounts below has violated my federally protected rights to consumer privacy and confidentiality under 15 U.S.C.1681. 
XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A states that I have a right to privacy.

15 U.S.C. 1681 section 604A, 2 states consumer reporting agencies can not furnish an account without my express written instructions and permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on Equifax and XXXX for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX  again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. XXXX and Equifax responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the Equifax and XXXX reports showing that the delinquency is " a recent '' delinquent account. XXXX and Equifax have stated that I can not dispute the item again. By XXXXXXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.
Product: Checking or savings account

I called because I counted access my yearly statements because I would need them for taxes. I called in and was told my account was being closed out because of a check I submitted twice. I was like okay that was a mistake, I didnt know I had already put it in because I have 4 payments from that same person. The lady on the phone said I figured that was the problem, I will put in a request for it to stay open because you have been with us so long. The determination of if we will keep your account open will be determined on XXXX  XXXX XXXX. I was like okay I will call back, then. I called back on the XXXX at a later time, and found out they are closed after a certain time. I then proceeded to call back on XXXX  evening at a reasonable time, and was told they are busy. I called this morning on XXXX, and found out I can only contact them XXXX Then I was told that my account is actually active, not being closed out with fraud alert on it. The check I deposited was for only {$1000.00}. I had a total of {$4000.00} worth of check from the individual. I was a payment to me, I deposited XXXX of the checks into my checking and XXXX into my saving. I didnt realize I had put XXXX of them in I thought I still had XXXX. When my Amex spit the check out I was like what the heck. I also deposited that same check into my XXXX XXXX checking. I even called and asked them why it wasnt working. Then the lady sat there with me going through my accounts to see if something was wrong. But then I found out that it has already been put into one of my accounts. Thats when I stop depositing it. Also I contacted the person who sent me the check asking for a new one because I truly didnt know I deposited. Which I also have the evidence from. My account has about {$37000.00} in it. {$26000.00} of it being from a car accident, and the other from what I had added and saved. Which all has documentation for. I was also not informed by email, mail, or my phone number about my account closer to began with. Or my funds now being on hold for fraud when I can prove where every dollar comes from. Alsooooo I think they are truly holding my money because they dont have it, they are going through the XXXX XXXX XXXX  lawsuit for small businesses they have charged, and they need to payback.
Product: Credit card or prepaid card

The credit bureaus reported on XX/XX/XXXX, via phone, they last received an update from Sezzle on or around XXXX and no updates since. On XX/XX/XXXX, I reached out to Sezzle to inquire about my credit reporting and the last date the reporting was sent. They initially provided a canned response telling me they report monthly and directed me to their website to review the same information. I reiterated that I was seeking a specific date on when the reporting was last sent but the chat agent was unable to provide one and stated they had to escalate to someone who would send me an email. I have yet to receive that email.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received a printed copy of my credit file. On page 5 of my credit file RECEIVABLES MANAGEMENT SYSTEMS, Original Creditor XXXX XXXX  account # ending XXXX reported the date of first delinquency for this trade line as being XX/XX/XXXX. RECEIVABLES MANAGEMENT SYSTEMS has changed the date of first delinquency for account # ending XXXX to XX/XX/XXXX clearly a violation of the FCRA and the FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I went into my local Chase branch near my home to do a international wire transfer of {$200.00} USD. There was no email or notification on the status on my international wire transfer. I called Chase on XX/XX/2023 to inquire about the status. Chase told me that the recipient bank XXXX rejected the transfer. I paid {$50.00} to Chase for this service. I got {$160.00} USD from the initial {$200.00} USD that was wired. I called Chase and Chase said it is not their problem. 
Chase wanted me to do the international wire transfer. I said no I can't afford to use their unreliable international wire transfer service. I instead used XXXX with the same info that I gave Chase and had no problem.