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

Subject : Equifaxs Continued Violations of FCRA Failure to Verify Accounts, Refusal to Block Fraudulent Items Dear CFPB Representative, I am submitting this complaint against Equifax for their continued refusal to comply with the Fair Credit Reporting Act ( FCRA ), failure to block fraudulent information despite valid identity theft documentation, and their deceptive practices in handling my credit file.

Summary of Equifaxs Unlawful Actions 1. Equifax falsely claims that creditors have " verified '' fraudulent accounts but refuses to provide any supporting evidence.

2. Equifax has ignored my legally submitted FTC Identity Theft Report and police report, violating FCRA 605B.

3. Equifax has allowed previously deleted accounts to be reinserted onto my report without proper notification, violating FCRA 611 ( a ) ( 5 ) ( B ).

4. Equifax refuses to remove unauthorized inquiries from my credit report, violating FCRA 1681b.

5. Equifax is engaging in deceptive and unfair practices, causing financial harm and emotional distress.

Specific Fraudulent Items That Must Be Removed Immediately Despite my repeated disputes and submission of identity theft documentation, Equifax continues to report the following fraudulent accounts : * XXXX XXXX XXXX ( Charge-Off ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX XXXX XXXX {$17000.00} ) * XXXX XXXX  ( {$5500.00} ) * XXXX XXXX ( Collection - {$11000.00} ) * XXXX  XXXX XXXX {$810.00} and {$280.00} ) * XXXX XXXX XXXX Multiple unauthorized inquiries from auto lenders and financial institutions.

Equifaxs Violation of Consumer Rights * Equifax has violated FCRA 611 ( a ) ( 7 ) by failing to provide their method of verification ( XXXX  ). * Equifax is violating FCRA 605B by refusing to block identit
y theft-related accounts.

* Equifax is violating FCRA 611 ( a ) ( 5 ) ( B ) by reinserting fraudulent accounts without proper notice. * Equifax is violating FCRA 1681b by failing to remove unauthorized inquiries. Immediate Actions Demanded by CFPB I de
mand that the CFPB take immediate action against Equifax for these violations and require them to : 1. Immediately provide their method of verification for all disputed accounts or delete them permanently.

2. Honor my FTC Identity Theft Report and police report by blocking fraudulent accounts and inquiries as required by FCRA 605B.

3. Investigate Equifaxs use of unreliable third-party vendors for credit reporting.

4. Ensure that fraudulent accounts are permanently removed and not reinserted.

5. Impose financial penalties against Equifax for their repeated violations and refusal to follow consumer protection laws.

6. Award {$20000.00} in damages for financial harm, loss of credit opportunities, and ongoing emotional distress caused by Equifaxs negligence. 
I request that the CFPB escalate this matter and enforce stricter regulatory action against Equifax. Their ongoing deceptive practices are harming me and countless other consumers. 
Please keep me updated on the investigation. Thank you for your time and assistance. 
Sincerely, XXXX XXXX
Product: Mortgage

My mortgage is on the verge of being foreclosed on right because of my ex gf I bought the house with in 2020 has abandoned the home. I recently had a forbearance issue for being XXXX XXXX XXXX  and guild has let me not make the payment for 6 months. Then they gave me trial payments since I couldnt get a hold of the ex for a docusignature. They said I could tack the missed payments on to the loan. Well not that I needed. Her singnature. I now have a family of XXXX and and want to keep making the payments and keep the home. But Im now in the process of getting her off the deed and I need time before its for closed on
Product: Credit reporting or other personal consumer reports

I am writing to demand the immediate deletion of the XXXXXXXX XXXX  XXXX account from my credit report due to multiple discrepancies and inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). Under the FCRA, credit reporting agencies are obligated to ensure that all information contained in consumer reports is accurate, complete, and verifiable. 

Upon reviewing my credit report, I have identified the following discrepancies that render the XXXX XXXX  XXXX account inaccurately reported : Credit Limit Discrepancy ( XXXX Report ) : The XXXX report lists a credit limit of {$0.00}, whereas the TransUnion and XXXX reports correctly list the credit limit as {$1700.00}. This discrepancy indicates a failure to report accurate information. 

Date of Last Payment Discrepancy : TransUnion reports the date of last payment as XX/XX/year>, while XXXX reports it as XX/XX/year>. The inconsistency in payment dates between the credit bureaus is unacceptable and misleading. 

Account Activity Discrepancy : The account 's last activity date is reported as XX/XX/year>, by TransUnion, and as XX/XX/year>, by XXXX. Such conflicting information suggests that the account is not being reported accurately. 

Incomplete High Credit Information ( XXXX Report ) : The XXXX report fails to list the high credit amount, unlike TransUnion and XXXX, which both report the high credit as {$2300.00}. This omission demonstrates a clear lack of completeness in reporting.
Product: Credit card or prepaid card

I sent a dispute letter along with FTC report, furnishers letter, my personal ID on XX/XX/, to care credit regarding fraudulent charges made by a family member for over {$6000.00}, also, renewing the card without my permission or knowledge, and putting his name as authorized user without my knowledge and have yet to receive any letter, any corrected transaction errors, any and all fraudulent charges, and/or accurate statement. I spoke with the fraud department on XX/XX/XXXX after I received a voice mail on XX/XX/XXXX to call back regarding care credit. They then told me there was no record of someone calling and there were no notes as why they called that day but, that they would be sending me a letter and that I should receive it within 7-10 business days. But as of XX/XX/XXXX, I have not received any letter, nothing. And I bet they closed my account without giving me any notice.
Product: Mortgage

Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX - Mortgage Account - XXXX Dear CFPB, Our Mortgage is with Mr. Cooper Inc. and we have never defaulted on any payments since the account was transferred to them. Recently, our credit took a big hit because Mr. Cooper falsely claimed that we have not paid our XXXX invoice and reported it to Credit Reporting Agencies nationwide. 

For the record this is a blatant lie. Payment for the XXXX mortgage invoice in question was made on XX/XX/XXXX for {$600.00} through XXXX  XXXX XXXX Account ( XXXX XXXX ) and on XX/XX/XXXX for {$1200.00} through XXXX XXXX Account ( XXXX XXXX ).  Please see attached documents for verification. As you can see subsequent invoice from Mr. Cooper never reflected payments made on XX/XX/XXXX and XXXX. This is fraudulent! Under normal circumstances, paying invoices before the due date should be beneficial and not detrimental. Instead, this grave discrepancy and egregious error caused by Mr. Cooper resulted in unwarranted blemishes on our credit scores and on our payment history. This is unfair and it needs to be rectified immediately. This was the same practices done by our previous mortgage company XXXX. We are fed up with fraudulent practices by these rouge companies. 

Based on the above information and the attached supporting documents you can clearly see that our XXXX invoice was paid and it was even paid ahead of the due date. We pay most of our bills ahead of the due date and not once have we had any problems with other companies. Rather we get credit for early payment. This is the only company that punishes you for paying your bill ahead of the due date. Giving this information our XXXX invoice was fully paid on time and therefore we do not owe any late fees as well. 

We hope that filing an official complaint with your establishment will help bring some kind of resolution to these vexing fraudulent practices by Mr. Cooper and the harm they have caused to unsuspecting consumers like us thereby tarnishing our credit. I believe they should be forced to retract the negative report sent to the credit reporting agencies nationwide with an official apology letter. 

I wait to hear from you shortly. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX  XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.
Product: Credit reporting or other personal consumer reports

As per FCRA 15 USC 1681, and the privacy act of 1974. My rights are being violated with the adverse information Equifax has reporting on my credit report please delete immediately.
Product: Credit card

I maintain a credit card with Truist that was set up for overdraft protection to my Truist checking account. My credit card statement for XXXX XXXX XXXX XXXX XXXX XXXX XXXX reflected {$62.00} over the credit limit. Despite already being over the credit limit, on XX/XX/2023 Truist illegally authorized an overdraft transfer from the credit account to the checking account in the amount of {$190.00}, and again on XX/XX/2023 Truist again authorized an overdraft transfer from the credit account to the checking account in the amount of {$660.00}. This put my credit card almost {$900.00} over the credit limit, which allows Truist to charge higher interest ( around 33 % ) on " cash advances '' and fees. Truist should have declined the charges over drafting my checking account, or charged an overdraft fee, rather than authorizing XXXX overdraft transfers over my credit limit. Pursuant to all operative credit card agreements, and the governing " overdraft protection transfer '' agreement found on Truist 's website in connection to the checking account, Truist can only choose to authorize, or not authorize, overdraft transfers " up to the amount of the credit limit available on the account. '' I have disputed these overdraft transfers for nearly a year with Truist, including sending the attached very detailed letters which describe in depth all related issues. I have also disputed this with the credit bureaus as it has affected my credit score, reporting nearly {$900.00} over the credit limit due solely to the unauthorized overdraft transfers. Truist has verified the credit information and declined to rectify the error, despite being told by multiple employees in the resolution department that I would at the very least receive the interest back that I have been paying for almost a year ( which they have now decided not to even do that ). This has also resulted in being denied credit card applications. Despite multiple requests, Truist can not identify any language to support their contention this was not a banking error and they were allowed to authorize transfers over credit limits. All operative agreements say otherwise. Truist is in breach of contract and has violated the FCRA by taking over a year to investigate my disputes and verifying disputed information on my credit report. 

I have been disputing this for nearly a year. Truist employees keeps telling me " Truist has broad authority to authorize overdraft transfers, '' but not a single person can point to the language in the credit agreement that supports their contention. They " cherry-pick '' the language, and specifically cite to the sentence that says " Truist XXXX choose to authorize overdraft transfers, '' but they leave out the second part of the sentence, that says " up to the credit limit. '' Truist authorized these large overdraft transfers in breach of contract to capitalize on the 33 % interest on {$900.00}. 

If this dispute does not resolve the issue, I will be forced to commence litigation. Truist will be able to provide a copy of the operative credit card agreement referenced throughout my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my concerns about inaccuracies in my credit report that I have previously disputed without success. The specific accounts with errors are detailed below : XXXX XXXX The account status is incorrectly listed as " Open, '' though it has been charged off/placed for collection. No last payment is indicated, and the account is only reported to XXXX, but not XXXX and Experian. The last verified date is shown as XX/XX/XXXX, which I find questionable given the inaccuracies. 

XXXX XXXX This account status is erroneously showing as " Open, '' although it has been charged off/placed for collection. Despite the credit remarks stating " account information disputed by consumer, meets FCRA requirements, '' the account inaccurately reports as " Open. '' The account opened dates also differ between XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). 

XXXX XXXX XXXX The account open dates and closed dates vary across the three bureaus. XXXX lists the open date as XX/XX/XXXX and closed date as XX/XX/XXXX, while Experian and XXXX list the open date as XX/XX/XXXX and do not report a closed date. 

XXXX XXXX The opened date does not match across the XXXX bureaus. XXXX reports XX/XX/XXXX, Experian XX/XX/XXXX, and XXXX XX/XX/XXXX. The dates of last activity are also inconsistent across the bureaus : XXXX shows XX/XX/XXXX, Experian shows XX/XX/XXXX, and XXXX shows XX/XX/XXXX. 

These inaccuracies negatively impact my credit score and financial reputation. I request your assistance in investigating these matters and ensuring that these discrepancies are corrected, or the accounts are removed from my credit report as appropriate. 

I appreciate your attention to this matter and look forward to your prompt response.
Product: Debt collection

KINGS CREDIT SERVICE Placed two Collection accounts on my credit file back on XX/XX/XXXX and XX/XX/XXXX for services that had nothing to do with me, but with my daughter. I did not sign any paperwork for her Doctor 's visit as she was taken to all of her appointments by her mom. The accounts were paid in full but they placed them on my credit file.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX XXXX XXXX because my paid-off auto loan isn't showing up on my credit reports from Equifax, XXXX, and XXXX. The loan, which I paid off in XX/XX/year>, is completely missing from all three reports.
Product: Checking or savings account

I opened three claims against XXXXXXXX XXXX Lawyer and XXXX, where I received received temporary credits from the bank for these claims and the claims were approved and I was credited again and theyre saying the merchant refunded my money as well so they took their money out of my account now Im overdrawn {$800.00}. I asked him. Why didnt they keep the money that the merchants sent back to my account and they said it didnt go through them. It went straight to my car. I guess I find that I find that and I think they lied and credited me and now overdrew my account and Im gon na lose my Social Security on the first. And now I wont be able to pay rent
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma has a Karma guarantee that if I apply for certain credit cards and I'm denied I would get XXXX dollars. I applied for the XXXX XXXX and I was denied and XXXX XXXX is refusing to issue the XXXX dollars as promised and advertised. On XX/XX/2023 There was a Karma guarantee next to XXXX Credit card. Today XX/XX/2023 the guarantee is gone. I applied for the card and took a hit on my credit and they did not honor the guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solution XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX Dear TransUnion, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is number of unauthorized credit inquiries made by companies listed below. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiries was authorized without my consent and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in these unauthorized credit inquiries. As part of your investigation, please send the names, business addresses, and phone numbers of those who made an unauthorized credit inquiry so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity. 


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 XXXXXX/XX/XXXX If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, then please send me proof of this. 

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

See Attachments I Have FULL FAITH AND CREDIT back by the UNITED STATES OF AMERICA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear ALLY FINCL, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report. This act contravenes the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri identity theft and fraud statutes, including the Missouri Revised Statutes Section 570.223 ( Identity Theft ) and other applicable consumer protection laws. 

It has come to my attention that ALLY FINCL has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Under the FCRA, federal law mandates that consumer consent is a non-negotiable requirement for reporting such information, as outlined in Section 1681b ( a ) ( 2 ).

Additionally, Missouri law provides strong protections for consumers against unauthorized use of personal and financial information. Section 570.223 of the Missouri Revised Statutes prohibits identity theft, including unauthorized use of an individuals information to harm their credit or financial standing. Furthermore, Missouri law reinforces the obligation to ensure accurate and fair reporting of credit information to protect consumers from fraud or abuse. 

I assert unequivocally that I have not provided consent for ALLY FINCL to report any information to my credit report. This lack of consent constitutes a violation of my rights under both federal and state laws and has the potential to harm my creditworthiness. 

I demand that ALLY FINCL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under FCRA Section 1681b ( a ) ( 2 ) and Missouri state law, including Section 570.223. I further request that you investigate and promptly remove any unauthorized information currently reflected in my credit report. 

Failure to comply with this demand within 30 days will be viewed as willful noncompliance and may result in legal action under applicable federal and state laws. Please note that identity theft and fraud are criminal offenses under Missouri law, and I will not hesitate to pursue all remedies available to me to protect my rights.

This demand is made in good faith, with the expectation that you will act promptly to rectify these egregious violations.
Product: Credit reporting or other personal consumer reports

I am writing the cfpb out of extreme desperation. The credit reporting agencies have caused me great harm and have failed to uphold their fiduciary duties to protect my identity. In accordance with the Fair Credit Reporting Act, they have violated my rights. Pursuant to 15 USC 1681 Section 602 States I have the right to privacy, 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have never received any written acknowledgements from XXXX with the options to opt out. This has caused my family great harm because I have been denied the privilege to buy a home, purchase a car with affordable rates. I was also notified of my privacy being infringed on and my information being exposed, again I HAVE THE RIGHT TO PRIVACY pursuant to the privacy act of 1974.

Pursuant to 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 any purpose.

Ive been fighting for years to rectify fraudulent activity, names, addresses, social security numbers, accounts. I have even talked to multiple customer service representatives and they have hung up in my face and refused to put a freeze on my account. Ive been a victim of Experian breach they have failed me and my family. i have feared of someone getting a hold of my information. Because i get alerts that my info has been placed on the XXXX market or the dark web, this has placed my family in harms way. I just want to live my life in peace and not fear that I'm in jeopardy. Their websites, phone numbers, etc are all non-functioning for me and thousands of others with the same issues. 
You are also aware that reporting income on a credit report is against federal law. Charge offs are considered a certificate of indebtedness which is income, why are they still fraudulently reporting these accounts. 
It is also illegal to report transaction history on a report. 
XXXX XXXX XXXX CFR XXXX Please uphold your fiduciary duties to report accurately. I am invoking my rights to privacy according to the privacy act of 1974. I am also invoking my rights to opt out.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX shows a balance from XXXX on XXXX XXXX