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

Equifax has violated Federal laws concerning the use of private information. Equifax is obligated by the FCRA to report accurate accounting, consumer has been attempting to resolve an issue by requesting Equifax to provide documentation used to determine that all disputed negative accounts were verified, consumer is not asking for an XXXX  report. If Equifax isn't able to provide said items, negative accounts must be removed immediately. Said Company is liable under the SEC to follow certain rules. 


Consumer has attempted to resolve this matter for over a year, I will be filing form 211 treasury omb forms to audit consumer account. 
Equifax is securitizing consumer 's data yet refusing to provide a copy of their CONSUMER FILE NOT CONSUMER REPORT. 

Consumer should only have one name and one address which has been disputed for over a year. 

EQUIFAX you have 3 days to remove negative unverified information EQUIFAX you are interfering with commerce and that is a Federal Crime EQUIFAX Commission File Number XXXX IRS File XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about Equifax 's inadequate investigation into a dispute I filed regarding incorrect information on my credit report. Despite providing substantial evidence, Equifax failed to address or correct the inaccuracies in my credit file appropriately. I sent a request to open a dispute in regards to accounts that are reporting inconsistently on my credit report. To my understanding when it comes to credit reporting. My accounts should reflect the same information across all credit bureaus. From what I see this is not the case. I sent a dispute before this one acknowledging the fact that I wanted to dispute the accounts below that I'm re-disputing because I didn't receive a response back about my last dispute. Please look into my concerns. The information reporting is not accurate as as a result I am requesting it be addressed. 

XXXX XXXX : Account number : XXXX, This debt is stating it is a charge off with a balance of {$0.00}. The debt was forgiven. How can it be a charge off? This is no debt to charge off. Delete the account. 

XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

XXXX : Account number : XXXX, I dont recall ever being late on this account and the information reporting on this account isnt reporting accurately. Update all the late payments to paid on time. 

As quickly as possible, the information needs to be removed from my report if you find that the information reported in incomplete, inaccurate, and unverifiable. Due to the lack of responding to my prior dispute one can assume that this falls under estoppel by silence. Since this seems to be the case I would appreciate the adherence to my request involving these accounts. There has been a grave mistake in your reporting because the material is false and deceptive. 

Please take note that you are also required to submit a summary of the process you used to assess the completeness and accuracy of the information. This description must be sent within fifteen ( XXXX ) days of your re-investigation 's conclusion. I am requesting my results by mail as well with an update. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB, I need your help and I am writing to file a formal complaint against I C System Collection Agency regarding their collection practices in relation to my account with them, identified by account number XXXX It has come to my attention that I C System Collection Agency has been violating my rights as a consumer under various provisions of federal regulations and statutes. Specifically, I C System Collection Agency is in violation of the following regulations and statutes : 1. **12 CFR 1006.34 ( b ) ( 5 ) ** : This regulation outlines requirements for debt collectors in providing validation of debts. I C System Collection Agency has failed to provide proper validation of the debts associated with my accounts as required by this regulation. 2. **12 CFR 1006.34 ( c ) ( 4 ) ( i ) ** : This regulation pertains to the provision of written notice by debt collectors. I C System Collection Agency has not provided adequate written notice regarding the collection of the debts in question, as mandated by this regulation. 3. **12 CFR 1006.34 ( d ) ** : This regulation addresses the timing of validation of debts. I C System Collection Agency has failed to adhere to the specified timeframe for validating debts, as stipulated by this regulation. 4. **15 USC 1681-S2 ( 7 ) ( A ) ** : This statute concerns the rights of consumers in relation to their credit information. I C System Collection Agency 's actions are in violation of my rights under this statute, as they have not provided proper notification or validation of the debts impacting my credit. I demand that I C System Collection Agency cease all collection activities related to my accounts and delete the reporting of the account to the credit bureaus. Furthermore, if I C System Collection Agency believes they have provided me with proper notification, I request that they furnish me with a certified receipt bearing my signature as evidence of such notification. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against I C System Collection Agency for their violations of consumer rights. I also request that you keep me informed of any developments regarding this complaint. Thank you for your attention to this matter.
Product: Debt collection

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy.
Product: Credit reporting or other personal consumer reports

agency in violation due to lack of investigations on following accounts This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Inaccurate Collection Account on My Credit Report Dear Equifax, Experian, and TransUnion, I am formally disputing an inaccurate collection account that appears on my credit report. The collection agency XXXX XXXX XXXX is reporting a debt of {$390.00} allegedly owed to XXXX XXXX XXXX XXXX. However, this debt does not exist, as my balance with XXXX XXXX XXXX XXXX is {$0.00}. 

This collection account is completely inaccurate and unverifiable, and its presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain only accurate and verifiable information. 

I am formally requesting the following actions : 1. The immediate removal of this collection account from my credit report as it is erroneous and does not reflect my actual financial standing. 
2. A detailed explanation of why this inaccurate information was reported and allowed to remain on my file. 
3. A confirmation that the disputed account has been deleted or a formal response within the legally required timeframe ( 30 days from receipt of this dispute ). 

If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as consider legal action for damages resulting from this false reporting. 

Please confirm receipt of this dispute and take immediate corrective action. 

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

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 


This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THE FRAUD ACCOUNT RIGHT AWAY!
Product: Checking or savings account

On XX/XX/2018 between the hours of XXXX and XXXX XXXX a unknown person used my debit card at a merchant in a neighboring city. I was unaware that I no longer had my card in possession until that night when I was attempting to get gas. When Chase my bank was first notified they administered a temporary credit but a week later they reversed it and now before making me aware of their decision are telling me I must get a lawyer to supena the merchant for camera ... ... I just wish they would have talk with me about what was going on so I would have been aware from day one of getting the temporary credit so I could have actively begin my own investigation into the matter as well ....
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-XX/XX/XXXX I went to college, a school that was sued and closed down by the Federal Trade Commission! The name of the school was named XXXX XXXX XXXX. After leaving the school, do to deceptive advertising practices, I enlisted in the US XXXX in XX/XX/XXXX, to help me pay for my federal student loan, which was {$2600.00}! The military had in option to pay that off. They didn't do it. After joining, you are not allowed to have cellphones, Internet or anything like that. So that debt fell into collections, and was eventually lost, do to me moving from basic training, advance training, my duty station at XXXX XXXX Texas and finally XXXX. I saw that from time to time on my credit report. My point is that should be OFF my credit report because its way past the 7 year statute of limitations. 

As for the main two NEGATIVE marks on my credit report, are from XX/XX/XXXX one of which is {$3000.00} and the other is {$4000.00} ... .. These are WRONG! They are both listed as EDU. I did NOT attend ANY school in XX/XX/XXXX! Nor did I take out any loans or credit cards that equal the amount listed there! These are both erroneous marks on my credit report. 

I enlisted the help of XXXX XXXX to help dispute these negative marks. I been tentatively selected for a XXXX XXXX. And I don't want something that dose not even belong to me, ruin my chance at wonderful career. I have in til XX/XX/XXXX to make my case to the Point of contact at the government. 

Any proper debts I do have are well beyond the 7 year statute! In fact in XX/XX/XXXX I took out a auto loan for {$14000.00} and I paid that XXXX in XX/XX/XXXX!!!!
Product: Credit reporting or other personal consumer reports

I opened my credit report in XX/XX/year> and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX AMEX-XXXX AMEXXXXXXXXX also I filed a police report again this time in XXXX and I did send them the XXXX one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested to update the inaccurate information which another credit reporting agency found to be inaccurate. Due to your lack of response, or responses that I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to UPDATE the account listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was extremely frustrated to find an unauthorized inquiry on my credit report today with no explanation. I routinely check my report, and this time, there were discrepancies that shouldnt be there. I even refreshed my browser, thinking it was a glitch, but the issue remained. This situation is unacceptable, and I need my submitted documents to be properly reviewed to ensure I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX {$190.00}
Product: Debt collection

My identity has been compromised, several accounts has been opened under my name without my authorization or knowledge. I am unaware of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with transunion XXXX and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper XXXX XXXX format and the account do not reach FCRA requirements..

I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character.

According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting.

( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

I am disputing an account with AXCSSFN/CNGO on my XXXX report. This account has been reporting for six and a half years as valid with no proof that it is mine. I have called XXXX and also the creditor and they dont even have have my information to match who I am. I would like this account removed also because its reporting blatant inaccurate information on my report. Im taking this higher because XXXX never did a thorough investigation on this matter.
Product: Credit reporting or other personal consumer reports

Ive attempted several times to dispute the account with first premier bank. It seems that experian is NOT properly conducting the investigation and the account keeps updating as current and/ or accurate. This is XXXX! I'm aware of the current lawsuit in place with the CFPB for such matters with Experian which has already confirmed that these processes are fraudulent. In accordance to law XXXX XXXX XXXX, this is aggravated identity theft and fraud. A company can not furnish my information without my permission, nor can they report inaccurately to the bureaus for any reason. This is a sueable offense. Ive asked that this be removed and coreected and nothing has been done. My disput with the CFPB is still open however this account just updated this morning as if accurate and open. This is again false. 
Law XXXX XXXX XXXX, which refers to a section of the United States Code, specifically within Title XXXX ( Commerce and Trade ), which outlines the obligations a financial institution has regarding the disclosure of a consumer 's " nonpublic personal information, '' essentially dictating how and when a financial institution can share personal details about a customer with third parties, often referred to as part of the Gramm-Leach-Bliley Act ( XXXX ) privacy regulations ; it requires providing notice to the consumer and allowing them to opt-out of certain information sharing practices. This has not been followed and is affecting my ability to get a home and refinance my vehicle. Please remove this account.
Product: Debt collection

2 weeks ago I received a letter from a debt collector company, called " ASSET ACCEPTANCE , LLC '' The letter indicated that, I have a debt collection from XXXX bank for amount of XXXX dollars. I never had a chase bank credite card in my life, I always applied but have never got approved. That was so scatchy so I called the company and told my situation. They told me the account was opened XX/XX/XXXX and the person whoever opened the account had my SSN, they stop paying the payments in XX/XX/XXXX then in XX/XX/XXXX judgement was applied to the account. The person who ever was using the credit card started to make payments on that judgement but in XXXX payments were stopped. There were no payments after XXXX until the ASSET ACCEPTANCE , LLC found me 2 weeks ago. Now they want me to pay the balance of XXXX dollars. 

Even though I was in the United States between XXXX to XXXX, I did not own any credit card from XXXX Bank ever. I left the country XX/XX/XXXX and never returned till XXXX XXXX. I wasn't even in United States when the judgement applied to this chase account or when the payments were made til XXXX. 

After talk to the person in charge of my collection she told me to get a police report and fraud affidavit and she told me to use this web site to get the affidavit. 

I do not know who opened the account or made payment till XXXX but it was not me. As I mentioned I applied for XXXX XXXX XXXX XXXX  many times and never get approved and s I stopped applying. This is not my account or debt.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see some accounts that are not mine. I have disputed this information and you have said that these account have been verified with improper documentation. I have filed an ftc identity theft report as these accounts are not mine nor did I give permission for these businesses to have my private personal information. I did not receive any goods or services from these companies and I demand that these accounts be removed or I will have to pursue legal action against your company.
Product: Payday loan, title loan, or personal loan

My Mother in Law passed away in XXXX. I am trying to close the estate. I called Hyundai and asked them if they can send me a copy of the lean release. They confirmed that the car a XXXX  XXXX was paid off, and told me they were sending a copy of the lean release to my mother in-laws house. I have called several times starting in XXXX and they just keep telling me that its in the mail. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, Equifax security data leaked and hided the incident for two months. Equifax leaked my personal information I provided. I just confirmed this leakage on Equifax website. 
7 bank accounts were found and opened by identity thief ( or thieves ) in the past two months. 
This incident they hided for two months makes my credit scores too low to finance a house for my family this year. I do n't know how long it will take to remove all fraud credit activities and restore my credit scores. Our family need a house urgently. 
And it 's keeping wasting my time to go to banks, call different banks, go to police office. 
This is a huge accident to our family.
Product: Credit reporting or other personal consumer reports

I leased a car for my father. And the payments were automatic from his bank card. 
During the process I went to work XXXX  my fathers bank card on XX/XX/year>. A payment was late b/c he thought I was paying for it that month so he didnt pay we had a misunderstanding of communication. 

the payment was then payed abut the company refused to have it corrected on my credit report. 

I tried everything to get them to take it off or correct it. 

since that hick up I have payed everything on time. XXXX XXXX XXXX XXXX XXXX XXXX. Also refuse to help me after a year.
Product: Debt collection

Each of the listed companies below have not given any written disclosures or contracts to sign or agree to terms of reporting to my consumer report and/or paying any debt. The companies also have not sent any verbal or written documents informing me of any debt and the companies are as listed : PORTFOLIO RECOVERY XXXX {$730.00}
Product: Checking or savings account

Wells Fargo owes me a check in the amount of {$1700.00} ( XXXX XXXX XXXX dollars XXXX XXXX cents ). 

I closed my Wells Fargo account in late XX/XX/2018. Two refunds were issued and posted after the account was closed ; when a merchant issues a refund and when it posts is beyond my control. Per the unilateral action of a Wells Fargo telephone customer service representative, a claim was filed for said amount ( Claim # XXXX ) on XX/XX/18. 

I have called the claims department, spoken with miscellaneous supervisors, and the executive office on an almost daily basis since XX/XX/2018. During that time, I have been told conflicting information regarding if the check will be sent, if the check has been cut, a general time period in which I will receive it, and the amount of the check itself. Moreover, I have been shouted at, hung up on, and been given the runaround during that process. Notwithstanding Wells Fargos egregious conduct, all I want is a reimbursement check for the amount cited above. That money is mine, it does not belong to Wells Fargo. 

In short : I have done everything I can to resolve this issue with Wells Fargo to no avail. Im owed a check in the amount of {$1700.00}. Wells Fargo has yet to provide a remedy. Instead, they have given me the runaround and conflicting information. I seek the assistance of the CFPB to resolve this matter.