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

I am writing to file a formal dispute against XXXX and Equifax for continuing to report inaccurate information regarding my auto loan with XXXX, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This reporting has severely impacted my credit score and financial standing, despite the fact that the loan has been paid in full and was never late. 

Violation of the FCRA and FDCPA : FCRA Violations : Under the FCRA, credit reporting agencies are required to ensure 100 % accuracy in all the information they report. Both XXXX and Equifax have failed to comply with this standard. The XXXX account in question is being reported as late and possibly still open, when in fact : The loan was paid in full with a payment of {$29000.00}. 
XXXX has confirmed that the loan was paid off and the account closed. 
I have received the title to the vehicle, clearly stating that I am the owner with no lien holders.

FCRA Section 611 ( 15 U.S.C. 1681i ) requires credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of information. XXXX and Equifax have failed to meet this obligation by continuing to report inaccurate and harmful information about this account. 
FDCPA Violations : The FDCPA requires that all communications related to debt collection, including credit reporting, be accurate and truthful. Reporting false late payments and maintaining an open account status when the loan is closed is a direct violation of this act. Additionally, I have never consented to reporting late payments because this loan has never been late. 

Supporting Documents : Title of the vehicle, proving I am the owner with no liens. 
Proof of full payment of the car loan, including the overpayment check returned to me by XXXX. 
A letter from XXXX, thanking me for paying the loan in full and confirming the account closure. 
Despite this overwhelming evidence, XXXX and Equifax have continued to report inaccurate and false information, which is a clear violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) and FDCPA provisions on accurate debt reporting.

Request for Immediate Action : I am requesting the CFPBs assistance in ensuring that XXXX and Equifax : Immediately remove this inaccurate XXXX account from my credit reports. 
Update their records to reflect that the XXXX loan is paid in full and has never been late. 
Comply with the FCRA and FDCPA by ensuring that my credit reports reflect 100 % accuracy as required by law. 
The continued reporting of this false information has caused significant damage to my credit score, resulting in lost opportunities, including a job and disqualification from a home loan. I ask for your swift assistance in correcting this issue. If this matter is not resolved, I will be forced to take legal action to seek compensation for damages caused by this wrongful reporting. 

Thank you for your prompt attention to this serious matter. I look forward to your timely response and a resolution that corrects these violations of my rights.
Product: Money transfer, virtual currency, or money service

ROBBED OF ALL INVESTMENT PROFITS ON CASHAPP ... SEE ATTACHED I HAVE XXXX PAGES OF STATEMENTS XXXX-NOW
Product: Mortgage

I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My son signed for a private student loan with Lincoln Technical Institute in the amount of {$9100.00} on XX/XX/2017. He is the sole person to sign the loan. He did not start to pay the poan on time and Lincoln Technical Institute reported this loan on my credit report and put me down as co-signer of the loan. I have all the documents that where signed and there is no co-signer to the loan. I called Lincoln Technical Institute to have this loan removed from my credit report and was told that i signed on the loan. I was told that she had the document and i asked for a copy. Weeks later i received the same document showing only my sons signature and no co-cosigner, my signature is not on the loan.
Product: Debt collection

BYL Collection services did not provide adequate verification for debt question. No documents were provided showing a contract or signature.
Product: Credit reporting

In a matter of months, my FICO XXXX Score reported by Experian fell from XXXX down to XXXX. The only XXXX transactions in that time were paying off XXXX auto loans, replacing them with a single {$12000.00} loan on a new {$35000.00} car, and re-closing a XXXX Credit Card I had closed three years ago that XXXX left open. I have NEVER missed or been late on any payment in 50 years over XXXX of loans. I still have a no-limit XXXX XXXX card that I opened in XXXX that I pay off every month. I still have a XXXX XXXX I opened in XXXX. I have a $ XXXX mortgage on a $ XXXX house against a $ XXXX annual income. I have no other debt. I " joined '' Experian and received my Credit Report dated XXXX/XXXX/XXXX with nothing but Green on every single entry for XXXX loans listed that go back 44 years showing " Never Negative '', 11 years average account age and 44 years for the oldest account. I spent HOURS on the phone with Experian ( mostly on hold ), being bounced from department to department but NOBODY could explain why my Score crashed XXXX POINTS for no reason. I explained to several of XXXX agents that I am a XXXX year-old XXXX-out by the frustrating treatment to no avail. 
EXPERIAN 'S CREDIT REPORT # IS XXXX
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.
Product: Debt collection

XXXX filed a Notice for Wage EXECUTION, by PRESSLER & PRESSLER and I am currently on medical leave for XXXX XXXX. XXXX did wrongfully shared my information first to XXXX XXXX and sold my information to Pressler & Pressler, my employer received a wage exception notice to garnish my wages in the amount of {$210.00} weekly. This garnishment is also filed with the Superior Court of New Jersey and I am disputing this wage exception with XXXX. I would also like to report PRESSLER & PRESSLER for harassment and for filing this claim against me! I would like for this wage garnishment to be removed at once from the Superior Court of NJ, and a notice sent to my Employer!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never given written consent to any company to furnish a consumer report on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why are consumers having to pay for protection services for this breach of Equifax? According to the attached article, it is $ XXXX per credit bureau : XXXX freezes, which remain in effect as long as a consumer wants, are n't free, however. Each state has its own sign-up procedures and fees. Freezing one 's credit is n't expensive. They cost anywhere from {$5.00} to {$10.00} per credit bureau. 

Check out this article from XXXX XXXX : How to defend yourself against identity theft after the Equifax data breach https : XXXX This is egregious and not fair. Equifax should bear the cost of implementing a freeze, as well as notification all impacted consumers. 

Please look into this matter and use whatever powers for your position to address this travesty. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month I've been trying to get my personal information corrected with Experian, this agency has the wrong information and no proper tools to help me fix my problem. IN turn, XXXX  has my credit listed at XXXX, but Experian keeps bumping out my request for the free credit information reasoning issues that are never explained. 

I did contact their support via email, they sent me to their on line app that refuses to accept my documentation although I am sending only PDF 's and for less than 15 MB - the app keeps telling me that there not PDF 's or is more than 15MB. I called their XXXX number, there is NO WAY I can get a LIVE person to talk, the menu keeps looping me within the menu options without any chance of solving my problems. 

I need to just have my personal data revised and properly updated so I can have my Free Credit Report copy! 

Thank you!
Product: Checking or savings account

XXXX I contacted citi bank because I could not log into my checking account through the app for several days prior. So once I spoke with a customer service rep they told me that my account is blocked due to a security fraud risk. Prior to me calling I was not notified via email or phone call. So I proceeded to ask whats the steps to regain access to my accounts and citi bank tells me I have to wait 5-7 business days for a letter in the mail to gain access to my account. I told them that is ridiculous because this letter can be lost in the mail and why isnt this letter expedited they tell me this is the only way. I explain to them this is my primary bank account and I have transaction that are linked to this account as well as money flowing in and they basically telling me I have to still wait 5-7 business days. Since then I had to cancel my car payment which is now late which was {$410.00} and I also have money on there I have to use so that my car is not booted and towed. So now my car can potentially be towed XX/XX/XXXX because I could not access funds to pay my bill let alone have money for food and other necessities. I called back XX/XX/XXXX to see if this process can be expedited they customer service rep was very XXXX as I was explaining I could lose more money if my account is not accessible immediately she basically tells me she haves to hang up. I am very disappointed in citi bank as a whole and now I am going to suffer because I can not access my funds. I feel that this letter should have been expedited especially if its the only way I can gain access to my account. Its already costing me money and extreme stress i can not access my account and was not notified about it until I called. I feel they should be responsible for the damages
Product: Credit reporting, credit repair services, or other personal consumer reports

There were recently 6 collection accounts on my report from XXXX. XXXX regarding some collection accounts that I had on my credit report. These accounts disputes and the company agreed to delete due to incorrect information. XXXX sent letters to credit bureau requesting this these accounts be deleted. Out of all three credit bureau only XXXX  deleted these accounts from my credit report. I have followed up with Transunion and XXXX  with follow suit letters with still no response. I am requesting that Transunion and XXXX  follow suit of XXXX and delete the six XXXX XXXX accounts from my credit report. Transunion and XXXX  can confirm by reaching out to XXXX  to confirm this information.
Product: Credit reporting or other personal consumer reports

This company is in direct violation of the FCRA. They have allowed fraudulent accounts to be placed on my alleged consumer report and have not validated any of the remarks or statements from these creditors. The following list of alleged creditors have illegally been allowed to freely furnish my consumer reports with no proof or verification pursuant to 15 USC 1692g ( b ). 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

In XX/XX/2015, I consolidated some of my loans and had them transferred to XXXX XXXX XXXX XXXX servicing. After consolidation, my IBR payment through XXXX ( XXXX ) remained the same and a payment in the same amount was added to my consolidated loans on XXXX. Essentially my total payment was double because XXXX loan servicers were charging me my total IBR payment. To avoid the double payment, I had the consolidated loans put on forbearance until all of my loans were pulled over to XXXX servicing. At the beginning of this year, the rest of my loans were pulled over to XXXX. A little before this, I also reapplied for an income-based repayment plan. This application was accepted and sent to both of my loan servicers, XXXX and XXXX. XXXX automatically updated my repayment amount to reflect my new application ; however, XXXX did not. By XXXX, I realized they were not going to automatically apply the new repayment plan to my account, so I called and requested that the XXXX consolidated loans be taken out of forbearance. In early XXXX this occurred. However, when I received my XXXX bill, the payment for the consolidated loans was equal to the 10-yr payoff and not an income-based amount. When I called to find out why this was, the associated told me that I had to pay a 1-time " opt-out '' payment because I was switching plans. [ Aside : Unbeknownst to me, I was eligible for the new revised XXXX plan, and was switched to it, resulting in the " opt-out '' payment ]. After identifying the switch in plans as the reason for the increased payment, the associate told me my payment amount would be switched to the income-based amount in XXXX. Unfortunately, when I received the XXXX bill, the payment amount was still the XXXX repayment amount. I immediately called XXXX and after get bounced around a couple associates, a supervisor informed me that the associate I spoke with the previous time I called had not take the proper steps to get my account switched over. He then told me he would have my plan corrected and switched over to the correct payment amount. Two days later I received an email informing me my plan had been switched over ; however, this would not take effect until the XXXX XXXX meaning that they were still billing me for an extra {$370.00} that month. I again called to XXXX, got bounced around a little, and was able to finally explain the situation to a supervisor. This time, he told me he would put in a request to have this fixed but that it might take XXXX10 business days and that he could n't guarantee it would be fixed. However, he said if not my account would be placed on an administrative forbearance that would not count against my total allowable forbearance time. My account is now due and this has not been fixed. I spoke with another supervisor today and she stated that this would be submitted to a review board that would review the case and get back to me by XXXX to inform me if I could be retroactively credited. I also asked to speak with her manager, and she said a team lead would call me tomorrow. Anything you can do to help would be beneficial. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint - Consumer Rights Violation and Discrimination by Equifax Date : XX/XX/XXXX To whom it may concern, I, XXXX XXXX, am writing to file a formal complaint against Equifax Credit Bureau for severe violations of consumer rights and blatant discrimination based on gender and minority status. 

Equifax has continuously compromised my creditworthiness by incorrectly reporting XXXX XXXX accounts on my credit report, resulting in a significantly lower credit score of XXXX, far from the accurate score of XXXX. This discriminatory practice has been observed in various studies, highlighting a pattern of discrimination against individuals with social security numbers starting with XXXX or XXXX, a fact further exemplified by lawsuits against XXXX XXXX, XXXX XXXX, and XXXX XXXX  for similar discriminatory practices. 

Despite my repeated efforts to rectify this issue by labeling these entries as " Fraud '' and demanding their removal, Equifax has failed to address the problem, leaving me no choice but to escalate the matter. 

XXXX XXXX has proven uncooperative in resolving this matter, redirecting me back to Equifax on multiple occasions, further exacerbating the frustration and inconvenience caused by this ordeal. 

Equifax XXXX and Investigation Results : XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX XXXX. # XXXX - Submitted : XX/XX/XXXX - Completed : XX/XX/XXXX In light of these discrepancies, I am formally disputing my credit score, which has been adversely affected by Equifax 's discriminatory practices. Contrary to the reported score, my impeccable payment history includes settlements of over {$100000.00} with various reputable institutions and XXXX currently open seasoned accounts with no late payments totaling nearly {$200000.00}. 

I am also demanding the removal of unauthorized hard inquiries conducted by XXXX XXXX on XX/XX/XXXX, as this further compounds the violations against my credit report. 

As of today, XX/XX/XXXX, I am initiating complaints against Equifax with both the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

This matter requires urgent attention and resolution to rectify the damages caused to my creditworthiness and to ensure fair and unbiased credit reporting practices. 

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

reporting company 's investigation into an existing problem We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT I want to state that this is complaint is from the Actual Consumer XXXX XXXX and not a third party of any kind. I looked at my TransUnion credit report recently and found some inaccurate reporting on my credit report. I wrote TransUnion a letter on XX/XX/2022 to try to get this inaccurate information deleted from my credit report since it is hurting my credit profile and costing me money in higher interest rates. Much to my dismay TransUnion wrote me a letter back stating that " we wont process your request ''. ( because they think that I did not write the letter of dispute myself ). I am a trained XXXX with very high education and i am able to write my letters of dispute without need for a third party. TransUnion is not taking these inaccuracies on my credit report seriously and they are taking my rights for granted, Please assist with account name : XXXX - account number : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I have never been late on this account. please correct inaccuracies in payment history... 

Attached is the letter i wrote to TransUnion and the letter TransUnion wrote back to me refusing to process my dispute. i have attached my drivers license as proof of Identity and my phone and internet bill as proof of address so there are no questions about my identity.
Product: Mortgage

Wellsfargo Asc is a tax that I paid XXXX in interested when it was a deeds liun that that 's false find the document and it also says I 'm texting and driving to home I do not been home I agreed to the terms of the main and with the home and the date that I saw that they allowed me to pick so and I was n't home and tax so it 's first try a document scenario is a predatory lending but it 's also frustrating not to mention you use my utilities after I request them to be turned off the day after I moved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFO WAS USED TO APPLY FOR ACCOUNTS WITHOUT ME KNOWING
Product: Debt collection

On XX/XX/2019 I received the Motion Requesting Warrant to Issue and Additional Attorney Fees. I called the Attorneys office and was informed that there was a warrant issued for my arrest. I was further told that I needed to be careful driving as I would be arrested. She claimed that they could squash the warrant if I paid the full amount due immediately or came to her office and filled out some papers. I asked what the debt was and she said it was for XXXX XXXX from an auto accident. I requested to speak to the attorney and was told that he would not speak with me as that is what she is there for. I explained to her that I had full coverage auto and was not the at fault party so I had  assumed the medical bills had been paid. She said that it was out of her hands and I had to pay the {$2400.00} immediately or deal with the consequences of the warrant for failure to appear at the court date ( that I was never served papers for ) I called the court and spoke with a clerk who informed me that a warrant was not issued for my arrest and that there was a review scheduled on XX/XX/2019. I have never been served papers in regards to this case as the assistant at XXXX XXXX office is claiming. Upon questioning everyone in my home my Step Daughter admitted that a few weeks back a gentleman had come to the house with court papers. She said that she had informed him that she was not me to which he demanded to see her license. She told him she did not have one and he threw the papers at her hitting her in the face with them as he yelled " you have been served, pay your bills '' She picked them up and threw them in the trash. She is only XXXX years old and she was very upset about being treated this way. Unfortunately, she did not say anything to me about it because she was afraid she would be grounded because she cursed the man out for hitting her. I also called XXXX ( my auto insurance company at the time of the accident ) they said all of the medical bills submitted by the company claiming the debt were paid. They also informed me that there was still time to submit those bills and that the XXXX  should have done so but if they give me verification of the bills they will cover them if I submit them. This debt collection practice is not only irresponsible and illegal it is inhumane. Now that my step daughter has spoken out about the assault her mother is filing a report and hopefully the process server will be charged with assault on a child.