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

My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( XXXX ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( EQUIFAX ) XXXX XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case XXXX XXXX XXXX Customer Service Manager at XXXX   XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compliance Fraud Investigator XXXX North America XXXX XXXX XXXX CEO North America XXXX XXXX XXXX EQUIFAX XXXX XXXX President US Commercial Services and Chief Client Officer Equifax LLC XXXX XXXX XXXX President Equifax LLC XXXX XXXX XXXX Equifax LLC Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer Equifax Corp XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance Equifax Corp XXXX XXXX XXXX Senior Vice President Enterprise fraud/ID Theft Equifax LLC XXXX XXXX XXXX XXXX XXXX Equifax Corp Corporate vice president chief legal officer Equifax llc XXXX XXXX XXXX XXXX XXXX Compliance and Litigation XXXX XXXX XXXX XXXX XXXX Executive Vice President XXXX XXXX  XXXX XXXX XXXX Director Fraud and Identity management XXXX XXXX XXXX XXXX XXXX Senior analyst consumer experiences XXXX XXXX XXXX XXXX XXXX Director-XXXX Consumer Interactive Servicing XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Against Equifax for Failing to Correct Inaccurate Late Payment Information Dear CFPB, I am writing to file a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including dispute letters dated XX/XX/XXXX and XX/XX/XXXX, the inaccuracies remain unaddressed, violating provisions of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Summary of the Issue : The inaccurate late payment reporting on my XXXX XXXXXXXX account shows discrepancies across all three credit bureaus ( XXXX, XXXX, and Equifax ) for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( Equifax and XXXX ) and XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( XXXX ). The repeated failure to correct these errors after my previous disputes demonstrates noncompliance with federal laws designed to protect consumers. 
Violations of Federal Laws : 1. Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Credit reporting agencies are required to investigate disputes and ensure the accuracy of information in consumer files. The failure to correct these inaccuracies violates this provision.

15 U.S.C. 1681b : Only accurate information may be included in credit reports. Reporting incorrect late payments constitutes a breach of this statute.

2. Truth in Lending Act ( TILA ) : 15 U.S.C. 1666b : Creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments implies a failure to comply with this requirement. 
3. Protection Against Non-Payment of Obligations Act ( PAANL ) : This act underscores the responsibility of creditors to provide timely and accurate statements, preventing unfair penalties to consumers. The inaccuracies in my account reporting violate the principles of this law. 
Account Discrepancies : The account in question has the following discrepancies that remain unresolved : High Balance : Incorrect or inconsistent across credit bureaus. 
Last Verified : Dates do not match across reports. 
Last Day of Activity : Reported inconsistently between credit bureaus. 
Dispute Status vs. Creditor Remarks : Discrepancies in reported status and remarks. 
Evidence of Error : My payment records clearly demonstrate that all payments during the disputed months were made on time. 
Attached are copies of my payment receipts, bank statements, and previous dispute letters sent to Equifax. 
Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
Written confirmation of the correction from Equifax. 
Failure to address this matter promptly will result in further actions, including additional complaints to relevant agencies and potential legal action. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/22, I applied for an Amazon credit card on their website. I was immediately denied a credit card. I know that they have 30 days to respond under the FCRA rule 640.4 ( c ) ( 3 ) but this is the second time I applied for a credit card and no notice of adverse action was ever sent to me. The last time I applied was over 2 months ago and no reason for denial was ever sent to me. The last time I applied I had credit score of over 700.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any recollection of any of these inquiries these are not mine they are credit error I never authorized anyone to pull my credit. Listed are the increase they need to be removed thank you for your help. 
XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns with XXXX handling disputes. Particularly in the light of the CFPBs lawsuit highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking the funds were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has a loud repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

In 15 days from the present date, I anticipate the receipt of a monthly updated credit report. I trust that the items highlighted in this complaint, as well as those identified in my previous complaint dated XXXXXXXX  have been addressed and rectified in the impending update. It is imperative to emphasize that, in accordance with FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to expeditiously remove any items flagged by the consumer as information stemming from a purported identity theft within four business days of receipt. Regrettably, despite my persistent efforts through various correspondences, these fraudulent items remain unaddressed within your records. I implore you to adhere to the legal stipulations outlined in FCRA Section 605b, which necessitate the removal of the items detailed in the identity theft report XXXX XXXX The specific items are reiterated below for clarity : 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: Debt collection

This is my 3rd complaint. PRA is still just sending me the same information. None of this confirms that I owe PRA or shows that I ever received any of the documents that was supposedly sent to me.They are basically saying they don't have to provide proof. So how do they have proof if the amount they are claiming is owed and still can not provide contract with PRA or the original creditor. They can just say something was provided when it wasn't. I have filed two answers now to the court and still they continue to send me motion for default judgment. Now I see why they were sued for deceptive practices. On the request for default judgment they lie about documents and proof of service. I was never properly served as proof from public court records and they never submitted a motion for alternate service yet they claim they did. Again public court records has nothing to confirm there statements.
Product: Debt collection

First Financial Asset Management This company continues to call me up to XXXX or XXXX daily and hangs up when I answer. On the off chance someone is on the other end, they ask for my SSN with no context. This company needs to contact me via mail moving forward as their attempts are borderline harassment at this point. This debt has not even been verified.
Product: Credit card

I was refunded a charge on my Chase credit card from a lawyer in the amount of {$4400.00} on XX/XX/XXXX so I called Chase to make sure it was put back into my account I didnt make dispute complaint in the meantime I paid off previous balance of {$3000.00} plus on Chase account so when my new statement came out on XX/XX/XXXX it I had a {$4300.00} on my account. I called Chase about the money on my account and they told me it was an overpayment on my account and balance was XXXX so I had the {$4300.00} put into my checking account also I spent half the money. On XXXX/XXXX/XXXX I looked at my Chase credit card account and it had a balance of {$4400.00} the amount the lawyer refunded Chase made the mistake and duped me into taking the money and putting in my checking account. I called Chase several times on XX/XX/XXXX to avail I canceled my card and still owe them XXXX I believe I should not have to pay the money because Chase committed XXXX against me I am XXXX years old on XXXX  and XXXX  XXXX anything you could do to help me in this matter would be greatly appreciated! 
Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago, I closed a credit card that had a {$500.00} limit. I wanted to boost my credit score, but even though I paid on time it only improved my score by a few points. Since the card service was charging me a {$35.00} annual fee, I decided to close it. Unfortunately, this move dropped my credit score 29 points! I went from having an average score to poor. I feel like I am being held hostage by my credit score and reporting policies. I feel these scores and practices are designed to keep a person down. Now I will pay more in interest rates if I want to buy a home, a car, or choose to get another credit card. This is very unfair and I don't think I'm the only person who shares my perspective. I shouldn't have to open and juggle several credit cards to have a decent credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX continues to violate my federally protected consumer rights. I am a consumer and natural person. I never consented with EQUIFAX to have or share my personal information. I demand that EQUIFAX immediately delete accounts XXXX XXXX/ XXXX and both DEPT OF ED / XXXX
Product: Bank account or service

Bank of America is shifting transactions in order to make you go negative or negative multiple times. I have printed up my account history just to show you an example but they processed a transaction on XXXX XXXX then lifted the transaction and processed again today XXXX/XXXX/2017 to make me go negative, what they do is reverse small transactions when a larger one appears so the larger will put you in the negative, then they charge the smaller again. when if they simply charged the original smaller transactions you would not go negative because the larger would be denied. but, they have developed an algorithm to make sure no matter what you go negative when the opportunity arises to deny a charge. with this they do not give you any time to pay of the negative account balance before they charge your account. this has been happening for months but unless you literally print up your account statement every day it is next to impossible to have proof because they delete all previous transactions. they are literally stealing from me and making sure it happens on a monthly basis.
Product: Credit reporting or other personal consumer reports

As per the guidance from the consumer financial protection bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002. 142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted. company information 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 or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : Experian : Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number:XXXX
Product: Credit card or prepaid card

Capital one has an app that monitors my credit score. I see my score improve, I apply for a credit line increase and DENIED every single time. I have had on time payments for over 6 years. My income has steadily risen during this same period. So why am I DENIED? Age? Veteran status?
Product: Debt collection

I previously submitted a complaint to this company regarding identity theft ( # XXXX ) As I stated before this account and several others were created fraudulently under my name. I provided the FTC report to prove that. This company is stating that they have verified this account to be mine with accounts that were used to pay for this bill and id and address that is attached to me but that is the point I am making and the actual definition of identity theft several accounts being open with fake addresses and ids
Product: Credit reporting, credit repair services, or other personal consumer reports

The items below were taken from my Experian personal information page of their website. The phone number is no longer valid for me I no longer live on XXXX, I have lived at my current address for over 20 years. I have attempted to call Experian and get this corrected but after trying 5 or 6 different phone numbers was unable to get ahold of a human being on the phone all computer that led back to the same messages. My complaint is no access to a customer service rep. and no way that I found to get to one. 

" Also known as XXXX  XXXX Generation identifier N/A Year of birth XXXX Address XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX Employer ( s )  RETIRED XXXX XXXX Personal statements ( s ) 27 &  XX/XX/XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT [ XXXX ]. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XX/XX/XXXX. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlight that Equifax has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results.

2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards.

3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports.

As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge. 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 I am providing documentation to support my claim, including : Police Report, FTC ID Theft Affidavit Dispute letter, ID social security number.
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 ( Account # not provided on report ), 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: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information that is currently listed on my credit report. As per the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( 5 ), it is mandated that all information on my credit report must be 100 % accurate across all three credit reporting agencies. The information in question is related to the following account. 

Capital One Auto Finance # XXXX This 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. Your neglect has violated my rights. I am demanding a deletion. 

Failure to address and correct these inaccuracies will leave me no choice but to pursue legal action. Under the FCRA, I am entitled to collect {$1000.00} in damages for each inaccuracy present on my credit report
Product: Credit reporting or other personal consumer reports

I tried to resolve this early in 2022, and assumed the loan was real since I have two masters degrees from different universities. 
The Washington State Attorney General 's Office tried to resolve it, but XXXX refused to answer their calls and requests for information. 
When I just did my annual credit reports, I found the information is still on my XXXX and Equifax and my complaints of it being false information last year have been deleted. 
Having just finished a XXXX XXXX in XXXX XXXX with student loans, I called to get into the REPAYE program, which is required if you have delinquent payments or charge offs/defaults. I was told I have none and needed to call the XXXX XXXX XXXX XXXX. 
I called the XXXX XXXX XXXX XXXX, and was told I've never had a XXXX XXXX loan and that XXXX is precluded from buying a XXXX XXXX loan, servicing a XXXX XXXX loan or anything else to do with XXXX XXXX. 
I was advised to file a complaint with my state Attorney General again, and to file a complaint here, also. 
It's straight up fraud. I don't have and never have had a XXXX XXXX loan and XXXX has never been my servicer. All my student loans have been serviced by XXXX XXXX, and recently got taken over by XXXX. 
I have applied for and completed the process for all my loans to be consolidated into the SAVE program. I could not do this if I had any loans deliquient, in default, or claim charged off. 
Yet XXXX is trying to collect {$1700.00} from me, through fraudulent reporting to credit bureaus. 
I have proof all my loans have been consolidated into SAVE.
Product: Credit reporting 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 : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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.