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

Sirs, Despite my exhaustive efforts to resolve this matter, Equifax continues to report inaccurate information on my credit report, resulting in substantial harm to my financial standing and well-being. I have sent multiple letters, with certified mail receipts attached and marked as Equifax XXXX, and have lodged several formal complaints through the CFPB portal, referenced by the case numbers provided below. However, Equifax has repeatedly and improperly responded by claiming to have " verified '' the account in question. 
This response is both unnecessary and legally insufficient. The account in question contains severe inaccuracies that constitute clear violations of the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), Equifax is obligated to delete inaccurate information from a consumers file. By failing to do so, Equifax is in direct violation of federal law and is perpetuating the harm caused by these inaccuracies. 
Previous cases, where the company failed to take corrective action, are listed below : XXXX XXXX XXXX XXXX I hereby present a formal notice regarding the inaccuracies reported by Equifax, which are wholly unrelated to any account verification processes that Equifax has improperly and repeatedly invoked over the past several months : 1. Illegal Monthly Updates on a Charged-Off Account : As evidenced by the attached document marked EQU CHASE Reporting updates, Equifax has been unlawfully updating a charged-off account on a monthly basis. This practice not only perpetuates inaccuracies in my credit report but also constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, which mandates the accuracy and integrity of information furnished to consumer reporting agencies.

2. Inconsistent Reporting Across Credit Agencies : The attached document, marked Chase Reporting Differences, clearly demonstrates significant discrepancies in the reporting of the same account by Equifax, XXXX, and XXXX. Inconsistencies such as differing Date Last Active and Last Reported entries across these agencies are blatant violations of federal law under the FCRA. These discrepancies undermine the accuracy of my credit report and are in violation of 15 U.S. Code 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Equifaxs continued failure to address and rectify these inaccuracies is not only legally indefensible but also constitutes grounds for legal action. I hereby demand the immediate deletion of this inaccurate account from my credit report. Should Equifax fail to comply with this demand, I will pursue all available legal remedies to protect my rights, including filing a lawsuit for statutory damages, actual damages, and legal fees under the FCRA.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I earned rewards points from BMO Harris for spending money on my BMO Harris credit card. I used these points to reserve flights for two trips. In both of these cases the airline cancelled the flights ( we did not ask for the flights to be cancelled ; the airline cancelled them ). I called BMO Harris after the flights were cancelled and asked them to refund me my points for these reservations. BMO Harris refused and said that I needed to get the airline to issue a refund to BMO Harris so BMO Harris could in turn refund the points to me. I thought this was unreasonable since BMO Harris was my travel agency and it is their job to obtain refunds for cancelled flights, but I decided to help them anyhow. I filed a complaint against the airline, XXXX XXXX XXXX, with the US Department of Transportation along with the Minnesota Attorney General 's Office. XXXX  XXXX  XXXX  responded and told me that yes, they cancelled the flights, that I am eligible for a refund, and that the company BMO Harris is working with for my reservations is to issue me a refund. I then called BMO Harris back and explained all of this to them on XX/XX/2021 but they again refused to issue a refund. The US Department of Transportation has issued guidance that consumers are entitled to full refunds for carrier-cancelled flights. That guidance is available here : https : //www.transportation.gov/sites/dot.gov/files/2020-05/Refunds % 20- % 20Second % 20Enforcement % 20Notice % 20 % 28May % 2012 % 202020 % 29.pdf. Note that this guidance requires refunds, NOT vouchers. The reservation and flight details are on the attached documents. Copies of correspondence with the airline and other parties are also attached for review. Note that BMO Harris has been paid for these reservations and the airline has been paid for these reservations. It is the responsibility of BMO Harris as the travel agency to work with the airline to ensure compliance with federal regulations and advocate on behalf of their customers. I paid for these flights and the airline cancelled these flights ; I am owed a full refund.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Addresses on XXXX Credit Report Dear XXXX, I am writing to formally dispute inaccurate information on my credit report as provided by XXXX. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to request an investigation into any information on my credit report that I believe to be incomplete, inaccurate, or unverifiable. 

Upon reviewing my credit report, I noticed that the following addresses listed are incorrect and do not belong to me : XXXX. XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX. XXXX XXXX XXXX, XXXX NJ XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX NJ XXXX These addresses are not associated with me, and I have never resided at or used them. The inclusion of these incorrect addresses may lead to confusion or potential errors in my credit profile, which could negatively impact my ability to obtain credit or other financial services. 

I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. Please provide me with written confirmation once the investigation is complete and the necessary corrections have been made. Additionally, I request an updated copy of my credit report reflecting these changes. 

If you require any additional information or documentation to assist with your investigation, please contact me at the address, email, or phone number provided above. 

Under the FCRA, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate, incomplete, or unverifiable, you must promptly delete or correct it. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 


Enclosures : - Copy of my government-issued ID ( e.g., drivers license or passport ) - Copy of a utility bill or other proof of my current address- Copy of my XXXX credit report with the incorrect addresses highlighted
Product: Credit card or prepaid card

I applied for this Walgreens credit card issued thru synchrony bank & was denied? Im constantly denied thru this bank I dont understand why I have good credit no obligations yet they send me a a letter stating I have to many obligations to income? Impossible for this to be true! Im attaching my account balances along with the denial letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this year I sent letters to XXXX, XXXX and TransUnion to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.
Product: Credit reporting or other personal consumer reports

I sent a letter on ( insert date letter was sent to bureaus ) to remove ( personal information, address, account name & account Number ) that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # & I am including it again., 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 Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance XXXX : {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$1500.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX  Balance Owed : {$1600.00} CCFI XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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: Money transfer, virtual currency, or money service

I have been a using the money transfer system doing business as Zelle for 7 years now. I was recently made aware that this company has violated the Electronic Transfer Act according to the FDIC. This means my personal information has possibly been compromised for years. Zelle did not put up proper safe guards and left my money and information at risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third complaint because I still can not contact Equifax ... everytime I try to get on their website to find out why they continue to take my credit score down, it says OOPS! Cant seem to get the website to come up ... .. sooooo Im done playing these XXXX games and I have contacted an attorney to solve my problem. You obviously do nothing, youre useless as crap.
Product: Credit card or prepaid card

The credit card Avant opened an account without my knowledge. Apparently they tried to call. They took money from me. I will need that back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted numerous times to have fraudulent information deleted due to identity theft as well as inquiry 's, charge off accounts that is not mine. I've also repeatedly asked to exhaustion that my correct and updated credit report information and scores reflect each of the accredited credit bureaus. Unfortunately, they ( XXXX, Equifax and XXXX ) are still not communicating with one another to mitigate my reports in a cohesively manner. Also, their credit scoring system 's is suspicious, they all have a different scoring system that is very suspect to me. some uses advantage 3 & 8 and now 9 is in effect. This system acts like the mob and if they can't get it together the courts will .... I had enough.
Product: Debt collection

I HAVE A XXXX XXXX XXXX REPORTING ON XXXX  ONLY FOR XXXX ACCOUNT NUMBER XXXX I HAD DISPUTED THIS ACCOUNT AND I GOT A LETTER FROM XXXX XXXX SAYING THERE WHERE GON NA REMOVE IT IN 30 DAYS. XXXX AND XXXX ALREADY DELETED THIS ACCOUNT. ONLY XXXX DID NOT. PLEASE UPDATE XXXX TO REMOVE THIS ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

I bought a Visa gift card from XXXX for {$150.00} for my friend for XXXX on XX/XX/XXXX. She went to use it on XX/XX/XXXX and was told it would n't go thru. I called the customer service line on my XXXX receipt for the card and XXXX there gave me the Visa prepaid customer service number. There I spoke to XXXX who told me that someone had tried to use it before it was even activated at the register. She said I needed to fax a copy of the front and back of card, packaging and receipt to a number for Lost/Stolen Replacement Card Request - which luckily I had it all and I did. I was supposed to receive an affidavit to fill out and send back within XXXX days. I called by XX/XX/XXXX to the fraud number XXXX XXXX had given me to follow-up with and I was on hold for a long time and it finally came on and said to leave a message and they would return the call within XXXX business hours. I did, but no one called me back. By XX/XX/XXXX I called the customer service line again and was told it was mailed. I finally received it on XX/XX/XXXX and filled it out right away and faxed it back. By XX/XX/XXXX, I called customer service again to make sure they received it and XXXX told me he saw it said it would be resolved by XX/XX/XXXX but I could try the fraud line again. No one answered again, so I just waited. On XX/XX/XXXX, I called the customer service line to get status, and it now said it would close on XXXX. Again I tried the fraud line ( XXXX ) and could not get anyone on the phone. On this date, I just finally wrote a check for my friend for {$150.00} since she had been waiting this whole time for my gift. On XX/XX/XXXX I called back to the customer service line see if anything had been resolved. XXXX told me it now says pending dispute resolution on XX/XX/XXXX I asked for a supervisor but they told me that I had to talk to the fraud line - the XXXX # that no XXXX answers. I called again, nothing. It is now XX/XX/XXXX and still nothing - 6 months later and I am still waiting for a replacement card for the {$150.00}. I called the fraud line again and waited and waited today. Nothing, so I went ahead and left a message as well as typed a fax to fax to them but that still has not went thru. I as so frustrated and just want my {$150.00} back. Please help. I 'm not sure what I can do at this point but wait and I ca n't believe a company like XXXX can do this. I will not buy a XXXX gift card again after this experience.
Product: Debt collection

I have been receiving calls threatening if I didnt return the call legal matters will be taken they are trying to collect. XXXX debt stating iowed wells fargo from 2006 wich I've never ever had a bank account with that bank he said I was gon na be taken to court n that they where gon na see if my signature was the same as what they had I went down to a wells fargo branch and explained what was going on they clearly said that was a scam. That they don't do that type of action
Product: Credit card or prepaid card

Booked flights on XXXX via XXXX. XXXX XX/XX/2020 flight XXXX, XXXX ; XXXX XX/XX/2020 XXXX, XXXX. Received email from XXXX cancelling flights dated XX/XX/2020. They offered a voucher. We declined a voucher and requested a refund. We have not heard back from them. They have disconnected all their customer service lines. Also the airline no longer services the United States. I disputed this charge with my credit card company Capital One. They originally reversed the transaction then later sent a letter stating the dispute is greater than 60 days and they can not reverse it and therefore will be reapplying the transaction amount to my account. The merchant failed to provide the agreed upon service ( flight ). There is no way to contact the merchant. There is also no way to use the " vouchers '' they provided even though we requested a refund.
Product: Checking or savings account

Without any Authorization or request of my part, Robinhood want to return funds to the last broker l used. 
I specifically told Robinhood TO NOT PROCESS IN ANY CIRCUMSTANCES!! 
They will still proceed without any explanation!!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XXXX/XXXX/2023 There were XXXX unauthorized Hard inquires reported on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX please remove in accordance with 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is refusing to block/delete accounts I've identified as fraudulent transactions and asking me to provide to them documents that are not lawfully required in order to remove these fraudulent items.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got an alert by XXXX XXXX and noticed my Credit scores had dropped for both XXXX and XXXX XXXX. It was then that I saw my Honda Financial Services Account had been removed from both XXXX and XXXX XXXX. This is the second time Honda Financial Services does this to me.
Product: Mortgage

I was informed in XX/XX/XXXX that my name was involved on a mortgage document ( concerning forgery and fraud ) regarding a Wells Fargo mortgage account. XXXX XXXX XXXX had completed a refinance of her mortgage in XX/XX/XXXX. I obtained a copy of the document from public records and it did show that I was " a witness '' to her signing for her refinance. I was appalled and shocked. This individual was a former colleague and had all my personal information to include my social security number and drivers licenses. I notified the bank Wells Fargo in XX/XX/XXXX that this was not my signature and I had no idea who the notary was. Looking at the signature it was obvious that I did not sign the document. The printing of my name was done by XXXX XXXX but the signature was not mine on the document. I received response form Wells Fargo in XX/XX/XXXX stating that this WAS my signature. I responded to the bank asking to show me the documentation they had to prove why they determined the signature was mine. I was informed that they closed the case and I had no return phone calls back. On XX/XX/XXXX I called the bank to speak to a supervisor and once again had no response. I send in a written request for documentation and referred to my signature on a mortgage that I obtained with the back in XX/XX/XXXX to compare the signatures. No response. 
The notary XXXX XXXX was also an issue. I have no idea who this individual is. When I looked her up, her identification data was incorrect on her stamp. The state of Florida confirmed that her identification was XXXX not XXXX on the stamp. The stamp on the document was incorrect.. I notified the state of Florida regarding this issue and discrepancy. The legal department for notary is reviewing this issue. 
My identity was used to defraud the bank and my name was forged on the document with out my permission by the above individuals. I am appalled that someone would take my identity and use it on a document for they're own gain. I am very disturbed that Wells Fargo is " pushing this out of the way ''. I am a customer with this bank also and find this act disturbing and disgraceful especially with out any real answers. XXXX did sell her property in XX/XX/XXXX and she has now obtained an additional loan with Wells Fargo in XX/XX/XXXX. Really?? it is OK to allow individuals to commit forgery and fraud and allow them to continue to bank with this institution?
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a case XXXX for the XXXX for XXXX and XXXX XXXX in the state of Kentucky. I am XXXX XXXX 's case XXXX. XXXX is child who is a ward of the state of KY. She has debt on her credit report for {$590.00} that is owed to Midland Funding XXXX This is incorrect as she is a minor and does not have any legal financial obligations.
Product: Mortgage

Newrez failed to apply timely payments to my account. XXXX payment is made prior to the due date and the other XXXX payment is made prior to the due date. Newrez does not apply the payments timely presumably because they are not organized. While no notice was given to me with respect to my payments or its decision not to apply my payment timely, Newrez preceed to notate my account to the credit reporting agency despite that all payments were made timely. Newrez has refused to contact me and simply charges a late fee for payments that were never late. It is still baffling to me that certain timely payments were returned to me and the record keeping has now frustrated my account showing inaccurate balance since interest accrues against balance with unapplied payments. If Newrez continues to act in this manner, I have informed them that payments will be withheld until such time that they can straighten out what would ordinarly have been a clean account with clean payment history. All late fees need to be removed from my account entirely as if no late fees were ever charged. Late fees should never have been charged. This process has been so frustrating.