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

: New Complaint : New Information : New FTC : This is not a duplicate CFPB complaint XXXX XXXX XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and XXXX XXXX Equifax - Case # XXXX Dear Equifax Dispute Resolution Department, I am writing to formally dispute and file a complaint against Equifax regarding discrepancies in my credit report and discriminatory practices I have encountered. This correspondence pertains to Case # XXXX and includes new information to be processed as a separate and distinct dispute. 

**New Dispute Information : ** - **FTC XXXX  # : ** XXXX ( Attached ) - **Accounts to be Deleted : ** XXXX. XXXX XXXX XXXX ( XXXX XXXX ) - Account # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXHard Inquiries to be Removed : ** - XXXX XXXX ( Actual account removed on XX/XX/2023 ) - XXXX XXXX XXXXi XXXXFactual Events : ** Today, XX/XX/2023, I spoke with Equifax Representative XXXX ( ID # XXXX ). During our conversation, XXXX XXXX revealed alarming information about internal practices at Equifax. She disclosed that several of my disputes, marked as investigated and completed, were canceled internally by Equifax staff without any proper investigation or removal of accounts. XXXX XXXX identified the following confirmation numbers associated with these canceled disputes : 1. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX XXXX. Confirmation Number : XXXX Equifax Representative XXXX also acknowledged that Equifax has not followed up on any of my Consumer Financial Protection Bureau ( CFPB ) complaints. She advised me to file new CFPB complaints along with a Federal Trade Commission ( FTC ) complaint regarding discriminatory practices. 

**Credit Score Discrepancy : ** According to my records, on XX/XX/2023, my Equifax credit score was XXXX. However, as of today, XX/XX/2023, my score has dropped to XXXX without any corresponding inquiries or changes in creditors. This discrepancy raises concerns about targeted discrimination. Equifax 's failure to address my previous CFPB Complaint # XXXX, filed on XX/XX/2023, has resulted in negative information remaining on my report, causing a decrease in my credit score. 

XXXX XXXX : ** Confirmation Number : XXXX was investigated by Equifax XXXX removing several accounts, including XXXX XXXX XXXX XXXX XXXX and XXXX XXXX # XXXX. However, the hard inquiry by XXXX XXXX used to open a fraudulent loan was overlooked and not removed. 

**Formal Requests : ** I formally request the following actions : - Accept and update my FTC XXXX # XXXX and CFPB # XXXX. 
- Delete XXXX XXXX XXXX ( XXXX XXXX ) - Account # XXXX and XXXX XXXX XXXX 
- Remove unauthorized inquiries. 
- Provide a letter of apology from Equifax for antisemitism and discriminatory practices. 

I trust that Equifax will conduct a thorough investigation and address these matters promptly. Your prompt attention to this issue is imperative. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, have submitted multiple requests to opt out of information sharing with XXXX XXXX, and these requests have been denied and ignored, in violation of my legal rights. 
Timeline of Requests : First Request to XXXX XXXX : Submitted on XX/XX/2024, requesting to opt out of sharing my Credit Account, Transaction, and Non-Public Information. 
CFPB Request : Submitted on XX/XX/2024, following XXXX XXXX  's failure to comply with my initial request. This request was also denied and ignored. 
Legal Rights and Violations : Fair Credit Reporting Act ( FCRA ) : According to 15 USC 1681 section 602 ( a ), consumer reporting agencies must exercise responsibilities with fairness, impartiality, and respect for privacy. I have the right to ensure my private information is not shared without my consent.

Privacy Obligations ( 15 USC 6801 ) : Financial institutions must respect the privacy of customers and protect their nonpublic personal information. XXXX XXXX  has failed to meet this obligation. 
Consumer Consent ( 15 USC 1681 section 604 ( a ) ( 2 ) ) : Consumer reporting agencies can only furnish a consumer report with the written consent of the consumer. XXXX XXXX  does not have my written consent to share my information. 
Nondisclosure Option ( 15 USC 6802 ( b ) ( c ) ) : Financial institutions must inform consumers of their right to opt out of sharing nonpublic personal information. XXXX XXXX  did not inform me of this right. 
Right to Opt Out ( 12 CFR 1016.7 ) : Consumers can exercise the right to opt out at any time. I have formally opted out of XXXX XXXX  's reporting services and sharing of my information. 
Conclusion : XXXX XXXX  's denial and ignoring of my opt-out requests and failure to comply with the FCRA and other privacy laws necessitate further action. I have the right to report these violations to the Consumer Financial Protection Bureau ( CFPB ) for a formal investigation. 
I am once again requesting XXXX XXXX  to honor my rights and process my opt-out request as mandated by law.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I received an email form Equifax that there was a data breach on my credit report. My information was and exposed and compromised in this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I submitted an application for a rental property with XXXX XXXX on XX/XX/2023 and I got a denial notice back. They use XXXX XXXX XXXX and it stated that they received the report and made the decision based off of my credit FICO score. They stated that they obtained my score from Experian and the score that showed back to them was a XXXX FICO score. I checked my Experian account and my FICO credit score shows on XX/XX/2023 a score of XXXX. I need to file a complaint and dispute of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XX/XX/XXXX Attn : Credit Department XXXX XXXX XXXX XXXX, TX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/XXXX I decided to put a freeze on my credit; there was no particular reason, it was just a precaution. I did it online, without any problem, with two of the main credit bureaus, XXXX and XXXX. When I tried to do it with Equifax I was unable to do it online, and called them. A representative told my I had to send documents to verify my identity and a letter requesting the credit freeze ; I mailed them on XX/XX/XXXX. 

On XX/XX/XXXX I was still unable to check the status of my credit freeze online, so I called Equifax again. A representative told me they could not freeze my credit because I did not have a credit history. I said that sounded very strange, because the other two credit bureaus did do it, and I had never heard that people with no credit history could not freeze their credit ; in the end I requested to speak to a supervisor. I was transferred to a supervisor at the Fraud Department, XXXX, ID : XXXX ; he confirmed Equifax had received the documents I had mailed, and said that YES, the company COULD freeze my credit. He told me I would receive a letter confirming the credit freeze within 5 business days. 

I did not receive the letter. On XX/XX/XXXX I called Equifax again, and this time a representative told me they can not freeze my credit because I do not have a credit history. I explained to her what a supervisor at the Fraud Department, XXXX, ID : XXXX, had said, and she said the information he provided was wrong. 

I should explain my concern. True, I do not have a credit history nor plan to apply for credit at the moment, but someone can still open an account on my name, with negative consequences for me in the future. So, would you please let me know whether it is true Equifax can refuse to freeze my credit because I do not have a credit history? If it is not true, then what do I need to do to get them to freeze my credit? 

Thank you for your time and attention, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Product: Mortgage

My home mortgage was transferred from   XXXX   XXXX   XXXX   to Freedom Mortgage   XX/XX/XXXX  . The loan was paid off   XX/XX/XXXX .  Freedom Mortgage reported a 30 day late for the month of  XXXX  to  XXXX   XXXX  and  XXXX . I have uploaded a copy from  XXXX , showing the account in good standing and not late.   From my understanding according to RESPA  Federal  Guidelines companies are not to report late payments during the first 60 days of the transfer. I have spoken with several customer services representatives who agree this is true and that it should be corrected. I have been trying to resolve this since  XXXX . I have been told that it will take 30 days, to no avail. Then I was told it has to be manually input into the system because it 's paid off, no avail.    Freedom  Mortgage has yet to update my account as paid with  XXXX   XXXX  and  XXXX . They reported the 30 day late after the loan was paid in full and said they have the right to do so because the RESPA expired. I also did not receive a my discharge of mortgage until   XX/XX/XXXX  .
Product: Debt collection

On XXXX I requested debt validation via a contract from Eastern Account Systems and it is clear that they could not properly validate the debt outside of what they consider statements. Which is NOT what I requested. Because they could not provide the requested contract they stated that they would remove their trade line from my account and cease all collection activities however it is now XXXX and their trade line remains on my credit report. Which is negatively impacting my credit worthiness.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address, These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA, XXXX
Product: Credit reporting or other personal consumer reports

I reached out to the contact information for the XXXX account showing XXXX XXXX on my credit report. The number supplied I spoke with a representative on Thursday XXXX XXXX XXXX. The representative number XXXX said that I would have to contact XXXX XXXX as they had taken over their systems. I contacted the number she provided and representative XXXX stated that he could not find an account for me with the amount I am asking for and that he would need an account number because he did not see the account I was calling about. I called back to the XXXX number that is listed on my credit report for contact and Spoke with XXXX ID XXXX she informed me that the could not supply me with an account number or statements to validate the account being reported as charged off. I requested a supervisor XXXX ID XXXX who also stated that she could not supply me with any information about the account that they are reporting on my credit report. I filed a dispute with all three credit bureaus. Experian came back next day saying the reporter validated the information and no change would be made to my report but I have nothing to show this debt or its validity or a way do obtain it. I feel there is no way that Experian validated this debt in less than 24 hrs and that the originial creditor can not provide me the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Started month of XXXX a late payment all the way up to Month of XXXX. Advised was in hospital XXXX with XXXX and XXXX   discharged XX/XX/XXXX. Spoke w/Capone same day. I spoke with them 2/3 times a month. Every month credit reports stated 30, 60, 90 days late. Even with terms of agreement with Capone my credit report was reporting delinquent. 
Capone every month said they sent in a corrected and updated report. But each month it came back again. Delinquent. Balance would go down but a new month of delinquent report. 
The following month bal goes back up payment not reflected and delinquent again. This is with all credit reports. 
All have different balances for capital one accounts. I have been ask for updates to be investigated and corrected. I would also like to know what is my legal rights with this on going problem with capital one. This is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax specifically asking them to VALIDATE a collection agency on my credit report-XXXX. They replyed with a letter stating they Validated the information and did not give me any of the information as to who did the process, etc. like I requested.I sent my request in a certified letter ( i have attached a copy ). They are in violation of FDCPA, section 809 ( B ), AND fcra 611 ( A ). IF they will not comply I will take them to small claims court. I have attached supporting documents.
Product: Vehicle loan or lease

There is a credit balance in the amount of XXXX on my BMW Financial Services account. This is due to an over-payment in the amount of XXXX which has been used for payments due until today, XX/XX/XXXX. I called today to request either a check or a credit off my next auto-payment due on XX/XX/XXXX in the amount of XXXX. The rep whom I do not have the name of, a woman, put me on hold then got back on the line and told me to adjust my next payment due in order to use credit. I requested a check and was again put on hold for an extended amount of time, she did not get back on the line. I hung up. She appeared to be new and or inept as she did not seem to know what shes doing, had to put me on hold each time I asked a question. I need a check for credit amount of XXXX. The original form of payment, a XXXX XXXX checking account, is no longer open and credits can not be issued to it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation to update inaccurate information two times, once in XX/XX/2022and then a follow up in XXXX of 2022. Experian has not even started an investigation XXXX XXXX months. 

They are reporting a derogatory payment status on a closed account that was paid in full. 
Its reporting as " Paid was past due 30 days '' - This is an fora violation and needs to be updated to the CURRENT payment status " paid as agreed '' or completely removed from my credit report. 

I've included both certified letters that I sent and a copy of the report showing the inaccurate information Experian is reporting.
Product: Credit card or prepaid card

I applied for a credit card on an XXXX XXXX flight in XXXX. After checking status, I was told I was verified in Early XXXX, I've called twice since, each time telling me that the card has been sent. It's mid-XXXX  and I still haven't gotten the card but they did not have a problem sending me a bill for the annual fee.
Product: Debt collection

I got a call on or about XX/XX/year> who left a voice mail : Good morning my name is????? and this urgent message for ( my name ). My office is trying to reach you in reference to a formal complaint that's about to be filed against you regarding case file D A ( random numbers ). In order to receive assistance and address this matter, it is important to contact the firm handling file at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then calling in reference to file Please be advised this call has been logged and is proof you were notified of this matter and failure to respond or result in the firm moving forward without consent again that phone number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ignored the call thinking it was a spam until my son called me to inform me this company had called my ex-husband trying to contact me. So I returned the call. They knew all of my informationi, had my SSN, address and email. So I asked politely who they were. They said XXXX and XXXX XXXX XXXX. 

They said that I had assists valuable enough to go through with pursuing a lawsuit against me : a home, vehicle, ect. 

They said I had an over {$6400.00} debt to Old National Bank from an account that closed nearly XXXX  years ago and needed to make a payment right now to avoid being a lawsuit and that they had served me at my current address, which I advised they I had not received any notices. Also, if I did not pay this now I would be served the next day. They offered me discount if I made the payment that day, which was {$2300.00}. Or I could come up with a partial payment and commit to a payment plan and pay the original total amount due. 

I asked for documentation of this debit and was told they did not have the document and I would have to go through the bank. They continued to harass me for payment with the threat of a lien on my car or house and/or jail. I am a XXXX XXXX on XXXX with limited income and several health issues. I was afraid and paid the amount. They also told me it would be reported to the credit bureau as paid in full. I did ask them why this debit was not on my credit report. I was told " I can not answers ''. Then I talked with my son and his girlfriend works for the bank in question and said it was a scam. I looked on line only to find a complaint with exactly the same threats on XXXX. This person also stated that telephone numbers on line do not match the firm. 

The more I thought about it, this made my sick to my stomach thinking I was scammed. I contacted the Better Business Bureau on XX/XX/year> and filed a complaint. My case is now closed as an " UNANSWERED '' complaint in their file. They had made several attempts to contact the business regarding the complaint, with no response. 

I am asking for your help with this matter. 

Thanking you in advance.
Product: Credit card

American Express is refusing to update my address or reset my online log in. Therefore I am unable to see my statement bill or pay off the credit card.
Product: Student loan

I made a large lump sum payment in ( XX/XX/2017 ) and specified in writing I wanted it applied to my balance not to future payments. This was not completed. I just learned today they misapplied my payment. The representative was rude when I asked to speak to a supervisor and hung up on me.
Product: Debt collection

I was contacted via text beginning XX/XX/year>XXXX  and then again XX/XX/year> from a company unknown to me. The second text had XXXX XXXX XXXX Companys name attached to it. ( See evidence attached ). 

A complaint has been sent to CFPB regarding Nissans involvement and this is a separate complaint regarding this company, unknown to me, attempting to collect an alleged debt. 

I did not respond to the texts as I thought they may be a phishing scam. 

Credit Control debt collector is trespassing on my mark, XXXX XXXX XXXX  XXXX ( see attached Certified Copy of Registration dated XX/XX/year>XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 a account without my written instructio
ns
Product: Debt collection

The accounts are medical debts that do not belong to me nor did I have knowledge of them, I submitted documents to verify my identity to the collection bureau with no results
Product: Checking or savings account

I have been on workers comp payments since XXXX XXXX and I have bank account with us bank relia card witch was set up by the state workers comp. My complaint is I am supposed to received two monthly payments on the XXXX of month and on or around the XXXX and it supposed to be loaded on my card by XXXX XXXX XXXX I check my account and the money is never in my account by the time supposed to be I contact my claim specialist at works comp they inform me that the money has been sent to the bank and it show that the bank has received my funds but when I contact the bank they say they don't the funds. My complaint is us bank relia card is hold funds that they are not allowed to hold some time it takes up 3 to 4 hours before they release the funds. Today XX/XX/XXXX my workers comp specialist informed me today has XXXX people contacting her that the funds have been held
Product: Credit reporting, credit repair services, or other personal consumer reports

i have alot of inaccurate acoounts on my credit report that does not belong to me i feel really upset about this matter and willing to file a lawsuit i reach out to XXXX XXXXand experian about theses issues its stop me from getting a mortage from fha please help me resolve these problems thank you