davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VYSTAR CREDIT UNION (GA)

I have been disputing a fraudulent debt of {$1000.00} associated with VyStar Credit Union for the past five months. On XX/XX/year>2024, following the submission of evidence demonstrating that this debt was the result of fraud by VyStar Credit Union, the erroneous account was removed from my credit report. However, inexplicably, on XX/XX/scrub> 2024, the fraudulent debt was reinstated without any accompanying reason or proof that a legitimate investigation had been conducted. 
Since that time, I have disputed this inaccurate reporting repeatedlyover six to seven separate occasionsonly for the debt to be continuously and falsely marked as accurate. Despite numerous requests, VyStar has failed to provide any supporting documentation to substantiate their claims, including a signed contract related to this account, a valid company bank statement, or a 1099-C form alleging that the debt was charged off as bad debt. 
Further exacerbating the issue, VyStar Credit Union has made false representations during telephone conversations, specifically asserting that they never received any documentation from me or from XXXX regarding this dispute. Nonetheless, they continue to mark the debt as verified, despite their own admissions that no paperwork from the credit bureau had been received. This inconsistency demonstrates a complete lack of proper investigation and due diligence on the part of VyStar. 
The initial removal of the debt from my credit report was the correct action based on the evidence I provided. However, VyStar reversed this action without any valid explanation, engaging in a pattern of misinformation, false statements, and continuous back-and-forth that has become both frustrating and damaging. 
Given VyStars documented history of unethical practices, including their failure to conduct thorough investigations and provide transparent communication, I find their conduct in this matter to be both reprehensible and legally actionable. The continuous mishandling of my case, in addition to the false reporting of a fraudulent debt, has caused significant harm to my financial standing. This situation has reached a level where legal recourse is not only appropriate but necessary.
Consumer complaint received 2024-09-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had a checking account with Bank of America. When I tried to transfer money to my account in XXXX, the bank closed my account without giving a reason. The problem is that I am not in the XXXX and can not travel there in the near future to withdraw the money in my account. The only options they have given me are to personally receive a check ( which I can't do as I am not in the XXXX ) or to travel to a Bank of America XXXX in the short term to receive my money. I would have to spend a lot of money to travel just to access MY OWN MONEY! I have asked them to transfer my money to another bank account, but they are refusing to do so.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across XXXX, XXXX and XXXX. They ( CAPITAL ONE N.A ) received that letter with certified returned receipt on XX/XX/year>. They have not responded as of today. A second letter was sent on ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law. here 's the tracking number : XXXX second letter tracking number : XXXX
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (GA)

Over the years, Navy Federal has taken a conspicuous amount of overdraft fees from my account. In one event charging the {$29.00} fee every couple of days until the account was restored to a positive balance. I have lot XXXX  of dollars due to this overdraft fee, when the money was in fact in my account and Navy Federal has waited days to take it out or make it available.
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-27
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

Account Number XXXX I am writing to dispute inaccurate information on my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The Navy credit card account ( Account Number : XXXX XXXX XXXX XXXX ) is incorrectly reported as open and showing a 93 % utilization rate, despite being charged off. This inaccurate reporting appears on my credit reports with all three major credit bureaus. 

This reporting violates several provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) Accuracy of Credit Reporting : Credit bureaus must maintain procedures to ensure the accuracy of credit information. Reporting a charged-off account as open with active utilization is a violation of this requirement.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information : Creditors are required to report accurate information about accounts. Failure to report the charge-off status correctly violates this section.

15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputes : Once a dispute is raised, the credit reporting agency and data furnisher are obligated to correct any inaccuracies.

I request that you promptly investigate this matter and update the reporting to reflect the account 's accurate status as closed due to the charge-off. Failure to correct this information could result in further legal action, as required by FCRA to ensure accuracy and protect consumers.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC (GA)

I purchased this car from XXXX XXXX XX/XX/year>, Wrong balance amount, This company remove all my good payment history. My warranty expires after three of purchase .This company is reporting false information on my consumer credit report and also is damaging my name. I will like for this account to be remove from my XXXX and XXXX credit report.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am writing to bring to your attention unresolved errors on my credit reports maintained by XXXX, XXXX, and Equifax. Despite my efforts to correct and update this information last year, the inaccuracies remain uncorrected. 

On XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>, I submitted disputes and corrections to XXXX, XXXX, and Equifax regarding inaccuracies of Individual Living man name, old addresses, incorrect information charge off bad debt and vehicle was voluntary return to Dealer and Remove inquiries. As of today, these errors continue to appear on my credit reports, harming my credit score and financial well-being. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a responsibility to investigate and correct inaccuracies within a reasonable period, typically XXXX days. It has been over a year since I initiated the dispute process, and I have yet to see the necessary corrections. 
However, given the significant lapse of time since my initial dispute, I urge the FTC to investigate this matter and compel XXXX, XXXX, and Equifax to take immediate action to correct my credit reports. 

I request that the CFPB take the following actions : Investigate this matter and verify the accuracy of my credit reports. 
Direct XXXX, XXXX, and Equifax to correct the disputed errors immediately. 
Take enforcement action, as necessary, to ensure compliance with the FCRA. 
I have attached supporting documentation, including [ list attached documents, e.g., dispute letters, responses from credit reporting agencies, proof of identity ]. 

Thank you for your attention to this matter. I look forward to a prompt resolution
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I made a transfer of USD {$10000.00} to a client XXXX XXXX in XXXX XXXX on XX/XX/year> and this amount has not been received by the recepient to date. I have attempted to called the bank so many times since XX/XX/year> to get feedback on what happened to the transfer. I asked the bank to for a recall so the funds can be sent back to our account but the bank can not provide information on what is happening. 

All the reps I call to tell me they have not received a response from the correspondent bank for over six weeks now. My frustration is I have to call the bank every week and spend over 1hr on the phone to be told the same response ( no response from the corresponse ) and nothing else.

I feell the bank has not done anything to protect there client and the funds to be recovered. 

I have a reference number ( XXXX XXXXXXXX ) with the bank on the case but this has not helped me much either.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX Also Known As : XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me the consumer. I clearly never gave this agency written authorization or written instructions to report this information, This agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MD)

I froze my credit on all 3 reporting agencies. Then I took the freeze off all 3 agencies for an application to receive credit. After the application process was complete. I froze my credit again on 2 of the 3 as Equifax, refused to re-freeze my credit and would " NOT '' provide me information on how to do it myself!!! I tried over the computer on their website, of which I am a member, I tried many times over the phone with no success.

Please help me to get Equifax to re-freeze my credit, as there has been a tremendous amount of Identity theft recently.

Thank You
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

Cfpb complaint reasons. Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance XXXX {$1900.00} XXXX XXXXXXXX Balance : {$9400.00}
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

On XX/XX/year> I reported an incorrect information was on my credit report, I asked for verification as well. I also stated that the name that was on their end was not associated with me nor have I've ever been know by the name they have on filed while also explaining I have been a victim of identity theft. I asked it be removed which didn't happen and I never recieved verification either.