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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax for their failure to properly investigate and rectify inaccurate and missing information on my credit report. Despite multiple attempts through letters and online disputes, Equifax has consistently verified inaccurate information without conducting a thorough investigation. It appears that they are biased towards creditors ' claims and do not independently verify the accuracy of reported data, as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX particular account, the XXXX XXXX account, is a primary concern. This account is riddled with discrepancies, including missing payment history, balance history, and all historical information. Furthermore, the date of first delinquency for this account varies across the three credit bureaus, indicating a significant problem with the accuracy of the information being reported. 

The FCRA clearly stipulates that credit reporting agencies must ensure the information they report is complete, verified, and accurate. However, despite providing evidence to support my dispute, Equifax has ignored this evidence and continues to report inaccurate data. 

I am deeply concerned that Equifax practices are not in line with the FCRA 's requirements. It appears that Equifax may be favoring the word of creditors over the interests of consumers, making it exceedingly difficult for consumers like myself to dispute and correct inaccurate items on their credit reports. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly to ensure Equifax complies with the FCRA and takes the necessary steps to rectify the inaccuracies on my credit report. These inaccuracies are not only detrimental to my financial well-being but also violate my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue. Please do not hesitate to contact me should you require any further information or documentation to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Ive noticed that its inquiries on my report that I havent applied for and would like them removed immediately from chase bank XXXX and XXXX XXXX  XXXX and XXXX
Product: Credit card

On XXXX XXXX i had a {$450.00} XXXX charge on my account that i did not authorize. At first i thought my card information had been stolen cause i had checked my XXXX account and there was no purchase. I did not realize until later that they had archived the order so i wouldn't see it when i looked at the orders page on my account and cause the account was through a seperate email that i rarely use and didn't think to check it. I sent a dispute to them stating that the charge wasn't me and they denied the dispute stating that there was No indication of account takeover hallmarks nor personal identifiable information changes XXXX month prior to the disputed transaction. Which is incorrect because i had bought an item off this account no more then a month prior at a completely different address then the one the Unauthorized charge provided multiple hours seperate from each other. The address also on the charge was not the address that is in my account information for my bank. They also stated that there was no card reorder which is in accurate because i had turned off my card and had a new one sent to me.
Product: Mortgage

I recently refinanced and the mortgage company calculated the amount of escrow needed and deposited the amount needed for reserves as well as began deducting the amount needed to pay escrow in full based upon total amounts of taxes and insurance. Last month, I received a notice notifying me of an escrow shortage advising that my payments would rise to cover a shortage of {$3400.00}. By utilizing simple arithmetic it is clear the amount reserved and escrowed is sufficient to cover the amount needed for total escrow as well necessary reserves. The process used by Amerisave fails to consider pre-paid taxes and insurance and lender credits. Items that were paid at the closing of the refinance. Upon speaking with multiple representatives, I learned that the calculation is part of a systemic process. The net effect of the methodology is that it requires borrows to pay surprise fees in excess of the amounts agreed to and disclosed in the closing statements. It is a systemic process according to Amerisave officials that could have the tendency to force unwary borrowers into paying higher mortgage payments than are agreed upon or are necessary to meet required escrow expenses and reserves. It goes without saying that many unsophisticated borrowers could be forced into default because of this practice. The sophisticated and systemic methodology is deceptive in nature and because it is systemic can not be addressed by call center personnel according to the multiple representatives I spoke to.
Product: Debt collection

i inquired about their services only and refused it and they to charge me
Product: Credit card

In regards to the XX/XX/XXXX transaction from the Merchant : XXXX XXXX XXXX in the Amount : {$2400.00}, I attest that neither I nor anyone authorized by me has signed for or received the package. As of XX/XX/XXXX, I still have not received the package. I have searched in and around my house for the item. I still to this day have not retrieved the package. I was supposed to receive the package on XX/XX/XXXX. I have contacted roommates and neighbors near my home. They said they had not received the specific item that was supposed to be delivered. I communicated with the merchant through email/web chat. I was told to file a complaint with the shipping carrier. When I spoke to a shipping carrier representative, I was told they could not help me with the lost package. I was also told to contact the merchant to request a refund for the lost item. When I contacted the merchant XXXX I was told by a customer service representative of the merchant that I would be receiving a refund for not receiving the merchandise. I have documentation of the communication between me and the merchant XXXX in regards to receiving the refund for the missing merchandise. In the conversation transcript between me and the XXXX representative, I repeatedly told the XXXX representative that I do not and still did not have the item. The merchant has not provided the refund. Afterward, I disputed the transaction with Capital One because I did not receive the item. I would like to continue this dispute with the help of the Consumer Finance Protection Bureau. I hope that Capital One assist me in my situation with the help of the Consumer Finance Protection Bureau by providing me credit to my account for the misdelivered merchandise.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX did not authorize the following companies below to pull my credit. Each company is in violation of my rights as a consumer and I have tried to get these taking care of months ago with no headway XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX I am in the process of renting a building and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 604,611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30days. During the investigation period, the item I am disputing must be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/22, I received an email from Discover Card Services that they had closed my account due to not being able to verify private information. When I reached out to the customer service associate, explaining that I have had this card since I was a college student and received no notice from them regarding the need to verify information, they remained firm that they were closing my account and could do so accordingly. Had I been told that I needed to verify information, and what information, I would have provided it accordingly. They are wrongfully providing harm to my credit report by closing an account with an active balance to my card. I loved being a loyal Discover Card customer, used my card frequently, but now they want me to reapply to reopen my account. I do not want to do that. I want my old card/account back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally financial and XXXX XXXX XXXX is reporting fraudulent accounts to my credit file. A police report and an FTC identity theft affidavit was submitted and the credit reporting agencies refuse to remove the fraudulent accounts after receiving proof the accounts are fraudulent. I ask that the credit reporting agencies cease and desist from reporting fraudulent transactions without true verification. Police report and FTC Report attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Nevar gives permission to run my credit never give any permission
Product: Student loan

I am a student loan co-signer. I have made on-time payments to XXXX ( XXXX XXXX XXXX ) for my son 's defaulted XXXX XXXX/Navient private student loan since 2011 when I became aware of the default status. 
I requested that my credit report reflect that my debt is in collections and being paid monthly. XXXX XXXX refused to update my credit report and reports it as a Charge off with {$0.00} payment every month. This negatively impacts my ability to obtain basic credit worthiness for example for renting an apartment. How can I get XXXX XXXX or the collection agency to report accurate information on my credit report?
Product: Credit card

I just paid the renewal fee for my American Express, after I realize the credit card pretty much misleading me for many years on the cell phone coverage I called them to cancel the card and from them to issue refund on my annual fee of {$690.00}. and they totally declined to do so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash Ap

p ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial
loss, I seek appropriate redress for these violations.
Product: Debt collection

I contacted XXXX XXXX Account # XXXX to request documentation to support that this account belongs to me. I asked for the original invoice or statement that was provided to them by their client as a result showing that they debt is in fact mines which they say I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last option. I am requesting CFPB 's assistance. In correspondence dated XXXX XXXX, 2017, I disputed how incorrectly State Tax Lien ref # XXXX has been reported incorrectly. From the filing date to my personal information. I was able to verify with the court that this information has been withdrawn last XXXX XXXX 2017. This proves that this credit repository 's information is outdated and no investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the XXXX credit report for a closed mortgage account with CHASE MTG the STATUS says " 120+ DAYS PAST DUE '', and in the details inside had the comment " Paid after forclosure proccess initiated ''. I have tried unsuccesfully to fix this innacurate info three times in the past 6 months. First, the Status is incorrect because the account was settled and closed with a Short Sale agreement. I called XXXX and they said that " 120+ DAYS PAST DUE '' is the " Condition of account when last updated by creditor or otherwise '' Second, the inside comment is not relevant nor accurate, because the settlement supersedes any other previous condition in the account, and it should be AT LEAST mentioned in the report. Chase itself afirms in the answer to my complaints : " Were required by the Fair Credit Reporting Act to ensure that our credit reporting is accurate. '' How accurate a report can be if fails to mention the current status and includes a comment about a condition that not longer applies?
Product: Debt collection

I received an alert stating my score has decreased due to a new collection. I then went to my report to see what new collection this could possibly be. I saw the Phoenix Financial Services showed as a collection ( medical bill ). I then looked at my report because I have not had any surgeries are anything done this year. I found that this collection agency previously reported this {$500.00} collection on XX/XX/XXXX and it was placed for collection ( date assigned ) XX/XX/XXXX. 
I then called XXXX  and asked if this reporting is legal, because it is not a new collection. I gave them my report number where I found the previously reported collection and they opened a dispute for me. I had to wait until Monday to call XXXX because of the XXXX Holiday. Monday I called XXXX and was told by an agent, after giving them the report number that the collection is not showing on that report nor was it previously reported. It's only showing the XXXX report date. I advised that I have a copy of my previously pulled credit reports from XXXX of XXXX and it shows on all three reports. I was told again that it was not showing and to call the agency. I said okay and advised a copy of my report would be sent to them showing this previously reported collection that is with the same company. 
The collection agency nor I had any contact this XXXX year. So nothing has changed for this collection to be updated or re-reported. Since XXXX said this information is not showing previously and I have proof that it has, so I decided to make this complaint with CPFB. Since false information was given on both sides. 
Is this practice legal? Can the same collection agency keep updating your collection as new? This updated collection has brought my credit score down 40 something points and I know when the collection was first reported my score was hit then. is it legal to hit my credit score every time the collection agency feels like updating. Asking, is it legal for a consumer to be punished repeatedly for the same collection?
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I contracted XXXX to dispute error on my credit report upon finding out about the Data Breech of my information as stated : Letter for Collections Attention : Credit reporting agencies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Buyer is XXXX XXXX XXXX  XXXX Ive requested a 1099C, Debt Validation Letter with contract Signature for these accounts.This account must be deleted as the status is not correct, the amount is not correct and the account was Paid for less than owed by the Third Party Debt Collector. 

As you can see by my attached credit reports and highlighted issues. This information is Not Correct & Not Accurate. Therefore it must be deleted Immediately. Here is the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account for reference with the incorrect amount of XXXX XXXX also. 

How much did the collection company pay for this item? I don't know and neither does my credit report reflect such amounts. This is a clear violation the FCRA as this is not accurate or complete. Delete This Immediately! Ive already submitted a complaint with Federal Trade Commission ( FTC ) XXXX XXXXXXXX as data breech leaked my personal information. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$350.00} XXXX XXXXXXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX REC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are the biggest fraud against people in this country. Why do bad information rather pay off or keep showing up on credit reports while good reporting disappear. Why is XXXX  still consider a reputable reporting agency when it allow a massive data breach. XXXX, XXXX  and Experian are totally discreditable agencies. I do what they do I would be arrested for fraud. Why is my credit score 70 points different between the three? These agencies need to be investigated and regulated.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 
2. Identity Theft XXXX XXXX XXXX XXXX    Account Number : XXXX Please remove this inaccurate information from my credit report. 
3. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 
5. Identity Theft XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent account from my credit report and to exercise my legal right to opt out of your reporting services in relation to this matter.

As outlined in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies such as Equifax and XXXX are required to handle consumer data with fairness, impartiality, and respect for the consumer 's privacy. This includes ensuring that no consumer information is reported without explicit consent.

The Gramm-Leach-Bliley Act, 15 U.S.C. 6801, further protects my personal information, mandating that financial institutions and those who furnish information to credit reporting agencies must respect my privacy and the confidentiality of my nonpublic personal information. I have not provided consent to either Equifax or XXXX to share my personal data or information related to any accounts opened in my name, including the disputed XXXX account. 

Furthermore, 15 U.S.C. 1681b and 15 U.S.C. 1681c ( a ) ( 5 ) prohibit the reporting of certain adverse information beyond a specified period, and require consumer consent to furnish data to credit agencies. Since I did not authorize the creation of the XXXX account in question, the account is an unlawful and unauthorized entry on my credit report.

Additionally, 15 U.S.C. 1681s2 ( a ) ( 1 ) clearly states that no person may report inaccurate information to a consumer reporting agency if they know, or have reasonable cause to believe, that the information is incorrect. Since I did not authorize the account and it appears to be fraudulent, the furnisher of information has violated this requirement.

As a consumer, I am also exercising my right to opt out of your reporting services. Under 12 C.F.R. 1016.7, I have the right to opt out of having my information shared with third parties, and I am exercising that right immediately. 

I request that the fraudulent account associated with XXXX XXXX be removed from my credit report, as it was opened without my knowledge or consent. I further request that you confirm in writing that the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please provide written confirmation that this account has been removed and that my privacy rights have been upheld in accordance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine, I do not recognize this item. I would like to apply investigation as this is a fraud. Please remove it asap
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, 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 an account without my written instructions.