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

letter disputing false reporting by Equifax under the Fair Credit Reporting Act ( FCRA ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Dispute of False Reporting Under the FCRA Dear Equifax Team, I am writing to formally dispute inaccurate information that has been reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to challenge any information that I believe is incorrect or misleading. 

The details of inaccuracy as follows : XXXX XXXX XXXX ENDING IN XXXXXXXX, CURRENT BALANCE IS $ XXXX, AVAILABLE CREDIT IS {$200.00} I am attaching a supporting documentation screenshot of my credit card information that substantiates my claim. 

I request that you investigate this matter promptly and correct any inaccuracies in my credit report. Please provide me with a written/email response detailing the outcome of your investigation within the required timeframe set by the FCRA. 

Failure to address this issue will compel me to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and take further action. 

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

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I heard about the Wells Fargo class action lawsuit about opening unauthorized accounts. I never had any authorized accounts opened without my knowing. I did not realize this lawsuit also included Identity Theft Services. I believe that I was charged approximately {$11.00} a month for Identity Theft Services for years and I should have been part of the suit, but apparently I missed the deadline to file a claim. I learned about the Services Charges from listening to XXXX XXXX XXXX. So I have two questions. 

1 ) It's really not fair that I can not be included in the lawsuit, despite missing the arbitrary deadline to file a claim. Why can I not be included, and can I appeal this? 
2 ) I was also charged XXXX a month for some kind of Home Warranty Service that was discontinued last year. Why is this not being reimbursed? I haven't talked to the individual Wells Fargo branch about this, but I inquired with the WFSettlement contact, and they did not mention this type of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions
Product: Money transfer, virtual currency, or money service

I was scammed and transferred approximately {$130000.00} into a Charles Schwab account. I tried to contact the fraud department and did not receive any help. I have since retained an attorney and issued a summons against XXXX XXXX as well as a judgment against Schwab to track the funds. XXXX XXXX is still actively trading with a Schwab account. See below information. 

Filing XXXX SUMMONS Returned Executed by XXXX XXXX. XXXX XXXX XXXX XXXX served on XX/XX/2021, answer due XX/XX/2021. ( XXXX, XXXX ) Filing XXXX CASE REFERRED TO ARBITRATION. This case has been designated to participate in the Court Annexed Arbitration Program pursuant to Local Civil Rule XXXX. 
The Rule requires the Clerk of Court to designate and process for compulsory arbitration " all civil cases ( excluding social security cases, tax matters, prisoners ' civil rights cases, and any action based on an alleged violation of a right secured by the Constitution of the United States or if jurisdiction is based in whole or in part on Title 28 U.S.C. sec. 1343 ) wherein money damages only are being sought in an amount not in excess of {$150000.00} exclusive of interest and costs. '' Damages are presumed not to be in excess of the arbitration limit unless a certification is filed in accordance with Local Civil Rule XXXX. An Arbitration Hearing will be scheduled after an Answer is filed. 
( XXXX, XXXX ) Modified on XX/XX/2021 ( XXXX, XXXX ). 

Filing XXXX Summons Issued as to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. 
( XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I opened an Ally bank account for me and my partner to deposit money into to be used for automatic bill payments. So we can both deposit money and have bills come out. We did this and everything seemed fine until XX/XX/XXXX, overnight the account was locked and frozen for " fraud ''. Upon calling Ally they aggressively wanted to know who ( my partner ) was and why they were making deposits into the account. I explained the situation and they said they would get back to me. Now, a few days later I have not heard anything, no access to my money and even some of the previous transactions, like one for rent, have been reversed and are causing issues for me and my apartment complex.
Product: Debt collection

I received a letter in the mail RE : What Does FCC FINANCE , LLC DO WITH YOUR PERSONAL INFORMATION. I called to let the company know that I do not want any of my personal information shared for any reason. I then asked the rep why did I receive the notice and asked did I have an account with them. Agent told me that the company has an open account in my name with a balance that should not be open. She advised me to send an email to request closing of the account.
Product: Consumer Loan

Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is saying they verified a XXXX XXXX case being reported on my XXXX and XXXX credit reports. The courts do not share any information so this company should not be reporting or sharing any of my information. The fair credit reporting act says any inaccurate information should be deleted. Lexis nexis telling me they verified the information from the court is not accurate. I want the bankruptcy deleted from my credit reports at XXXX and XXXX. XXXX will not allow me to dispute inaccurate information on my credit file. This is unfair and needs to be changed.
Product: Debt collection

On XX/XX/2017, I received an alert from myIDcare reporting a new collection on my credit report. 
The credit company source : XXXX The company reporting : Monterey Collection SV The Payment Status : Collections The status date : XX/XX/2017 The balance : {$800.00} The company address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I am a XXXX veteran ( 20 years, 8 months, and 21 days ) with an active security clearance. The myIDcare service provided by the Office of Personnel Management ( OPM ), because their servers were hacked a few years ago. As a result, I was notified my security clearance and personal information was compromise. 

The Monterey Collection company did notified me of any attempt to collect a debit. Here 's my list of issues : 1 ) I did not receive a phone call, letter through the mail, or e-mail from Monterey Collection SV to indicate I incurred a debit with their company. 
2 ) Monterey Collection SV did not include information regarding the name of the creditor. If there is a creditor, the total amount owe to creditor was not provided. 
3 ) Monterey Collection SV did not provide proof of debit e.g., ( loan documents, promissory note, etc. ). 
4 ) If the debit is owe to a creditor, why is Monterey Collection SV listed as the originator of the debit. 

I am unaware of having a debit in the amount of {$800.00} to Monterey Collection SV. The information provided by XXXX list XXXX as the credit Bureau reporting the information. 
In addition, I have been approved for a home mortgage loan through XXXX XXXX XXXX XXXX with a possible close date in either XX/XX/XXXX or XX/XX/2017. The derogatory information reported to the credit Bureaus could adversely affect my ability to close the home loan. So far ( as of XX/XX/2017 ), the collection item added to XXXX on behalf of Monterey Collection SV has cause my XXXX credit score to decrease XXXX points.
Product: Checking or savings account

My XXXX year old father who has a XXXX XXXX of XXXX began to complain that his step daughter maximized the spending on all of his credit cards and withdrawing funds from his checking account.. There was {$65000.00} spent from his account from XX/XX/XXXX to XX/XX/XXXX. His prior spending habits had been to withdraw {$400.00} or {$500.00} each month for groceries as all of his bills were deducted electronically. While in a XXXX center, he convinced me to contact Bank of America. We would learn that my father 's step-daughter had opened a debit card in her name under his long standing checking account.. There was no need for her, or anyone to have a debit card under his account. My father advised BOA that he never authorized her to be on the account. When we asked to be provided with the documentation that showed how she was added to the account, we were denied. I changed my father 's address and received a letter from BOA requesting that he remove his name from his checking account and give his step-daughter complete ownership. We requested an investigation from the fraud department and was advised that it wasn't fraud because his step-daughter was an authorized owner on the account. Finally during a three way call between he, BOA and I we were advised that there was an investigation and that there was no fraudulent activity found. We were told that there was nothing that my father could do. We were told that the only way that I could speak on my father 's behalf without him would be if I obtained " POA ''. which I did. I was even told from a representative in North Carolina at the Headquarters that my father 's step-daughter was spending his Social Security and Pension. She even contacted Adult Protective Services. I even contacted the local branch where I was advised by the manager that I could bring the POA documents to them and then I would have access to the account. I scheduled and appointment and did so. Once there, I was advised that " all of a sudden '' there is a major investigation of fraud on the account and the funds are frozen and I could not have access to his account.. My father does not even have access to his own money, including his pension, and social security.. He will be discharged from the XXXX  center on Monday, XX/XX/XXXX without access to his money, needed to pay for his care. My father has the legal right to be provided an update on the status of his checking account.
Product: Debt collection

Since XX/XX/XXXX, I've been trying to remove 3 fraudulent accounts from my credit report. To this day, the information keeps popping up in my credit report. Most recently, yesterday, XX/XX/XXXX. My credit report has a active fraud alert and credit lock. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX
Product: Debt collection

The debt collection agency D & A Services, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the thirty ( 30 ) day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe D & A Service ( or any entity acting on behalf of D & A Services ) a debt. Consumer disputes owing D & A Services a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay D & A Services anything. There is no payment history, nor products, or services that have been rendered to D & A Services, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if D & A Services chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with D & A Services. Consumer of this complaint will not engage in contact with D & A Services based on violations of the FDCPA, false misleading contact by D & A Services. If D & A Services makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against D & A Services and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!
Product: Bank account or service

On XXXX XXXX I went on-line to my statement to see if my bills had been paid, but then I see that some transaction was on there that I did n't make. I then contact XXXX American Express company to inform them about the matter. He told me that if I see any more transaction that I did not make to contact them back. I went on-line the next day and found XXXX more transactions from XXXX XXXX that I did not authorized and another XXXX from XXXX, but when I went back to the website my account had been closed. I called the bank and ask what was going on and they said that they had suspended my account due fact that I had broke one of their terms. I did n't understand what they was talking about and they said that I was one that made the transactions. XXXX XXXX was XXXX of the transaction on my account that I did not approved and then I called XXXX XXXX to find out who might have purchased the ticket that was on my account and they told me that it was not me plus they where going to admittedly start an investigation on the transaction that was done in my name then take legal action. After that I call Serve back to let them know that information that they had given me was wrong. They told me that XXXX XXXX told them that I made the transaction of buying a ticket to see a concert and to me that they was saying that I committed fraud. They kept saying that I was the one that had made the transaction which was not true. The next day I went to my police department In XXXX Ma. and file for identity theft. I immediately faxed over my papers. They told in about one week my case should be settled but it was n't. Then they told by the following Thursday it would be done once again not finished. I got tried and threaten them that I was going to bank commissioner and I have n't heard from them since. That is why I 'm filing a complaint. My bill are all over the place I ca n't pay my rent because the social security was sent to my the old account.and now I have to wait for social security to get it back. Then send it to my new account which I 'm still wait for its card because of all business with XXXX and American Express. I have my credit card companies calling for payment and now I have late fees add on top of that. XXXX and American Express have made my life a living XXXX!!
Product: Credit reporting or other personal consumer reports

I want the accounts removed that are inaccurate XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a mortgage with XXXX  XXXX XXXX that was opened in XXXX for over {$120000.00} showed up on my credit report. I contacted them to let them know that the account was not mine. I do not own a home. I rent an apartment. I did Internet research and found out the address belonged to someone who shares the same name as I do. XXXX  XXXX XXXX did several investigations and said the account was mine. I recently contacted them again and was told that the information from an old account that I had with XXXX  XXXX that was discharged during a bankruptcy in XXXX was accidently connected to this mortgage because of the same names. I emailed my social security number to verify that it was different from the mortgage. XXXX  XXXX XXXX will not update my credit report to correct this error. I am in the beginning stages of preparing to purchase a home. I can not this this because I currently have a mortgage on my credit report that does not belong to me. I have been contacting XXXX XXXX XXXX monthly only to get the same brush off with no results. This mortgage was never on my credit report until last year. I can not get information about the account because the mortgage does not belong to me but still they will not remove it from my credit report. 

I reached out to XXXX  with this same issue and they did the research and deleted this from my credit report which proves that this is a fraudulent account.
Product: Student loan

I took 3 ParentPlus loans for my daughter 's education at XXXX. Two were deferred, and I was paying on one. I had direct debit from my checking account and set up the account for PHEAA to withdraw an extra {$30.00} a month. When my daughter graduated, I consolidated the 3 loans and termed them out. I also filed a " change direct debit '' form to cancel the extra  {$30.00} per month. However, despite numerous requests and contact with customer service, they continue to withdraw the additional {$30.00} each month. In XXXX they told me it would take an additional billing cycle to institute the change. In XXXX they told me I had filled out the form wrong so I had to resubmit it. In XXXX they told me they would put it into research. The XXXX bill was just released today on the website and it still reflects the additional {$30.00}. I have called them and e-mailed them repeatedly and no one will correct this problem. I am attaching a copy of the bill showing that they intend to withdraw the extra {$30.00} in XXXX. I am also attaching a copy of the direct debit details showing that only {$250.00} should be withdrawn, but they are still taking out {$280.00}. I can pay the bill and am not asking for payment relief - I just want to drop the extra {$30.00} a month.
Product: Vehicle loan or lease

My insurance paid off the wrecked car and they still are reporting late payments
Product: Credit reporting

I have a revolving credit account with XXXX XXXX My payment is set up on autopay where they take it directly from my Bank Account . Once a year they for no reason stop withdrawing the payment and do not notify the consumer. They then report it as a late pay to the credit reporting agencies. XXXX is a company that extends credit to people with low credit scores. I believe they use this practice to keep your scores low so that you must purchase from them. I contacted them about the issue they refused to resolve it or let me speak to a supervisor. I also disputed it with all XXXX major reporting agencies who did nothing.
Product: Bank account or service

I went to sign up for a PayPal account and later discovered that I had been signed up for a line of credit. This was not my intention. I monitor my credit and later discovered the inquiry on my report. I immediately called to cancel the line of credit but the inquiry still remains on my credit report.
Product: Credit reporting or other personal consumer reports

This evening, I noticed inaccurate accounts appearing on my credit report, and I have no idea why. When I checked my report as usual, discrepancies showed up unexpectedly. I tried refreshing my browser to see if it was just a glitch, but the inaccuracies remained. Due to this issue, I request that the documents I've sent be thoroughly checked so I can stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried a couple of times to get this handled through the Companies, that I'm filing a complaint against. I have give them proof that the XXXX XXXX XXXX XXXX  do not report any type of information to them. They keep trying to say it is verified, when in fact I have a letter proving that they do not report to the companies my complaint is about. Which I will provide my proof to you, in the upload files. I am demanding that these are removed at once, or I will seek legal action and will report it to the Attorney General in Kansas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday, XX/XX/XXXX, I filed a complaint with Equifax to dispute an old entry still being on my credit report after the account had been paid and closed for almost eleven years. 
The entry is : XXXX XXXX, account number XXXX, which was closed, in good standing, in XXXX of XXXX ... .almost 11 years ago ... .and should have been removed in XXXX of XXXX. This was my second request to have this entry removed. 
On XX/XX/XXXX, I received a letter from Equifax, where they for the second time, REFUSED to remove the old and obsolete entry from my credit report.
Product: Checking or savings account

I checked my account it was - {$3300.00}. In which I have no way of knowing how. Wells Fargo tells me I made a claim. I talked to 4-6 people explaining that I didnt make a claim. Wells Fargo made a claim on my account. Now they want me to pay it back. I dont have that kind of money. What should I do please someone help me. Thank you!
Product: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
the accounts are XXXX  XXXX XXXX account not reported dated Opened XX/XX/2021 XXXX  XXXX XXXX account number XXXX In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation