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

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX - XXXX XXXX  XX/XX/XXXX - {$230000.00} XXXX - XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXX - XXXX XXXX  XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX XXXX - XX/XX/XXXX - {$2600.00} Hard Inquiries to Be Removed I request the removal of the following hard inquiries unless verifiable, signed proof of my authorization can be provided : XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax for its violation of my rights under 15 U.S.C. 1681c-2, as outlined in the Fair Credit Reporting Act ( FCRA ). I am a consumer deeply concerned about the handling of my personal information and Equifax 's failure to adhere to federal law.

Section 1681c-2 specifically addresses the obligations of consumer reporting agencies when they are notified of fraudulent activities or inaccuracies on a consumer 's file. Despite my efforts to rectify these issues, Equifax has failed to comply with the statute in the following ways : 1. Failure to block fraudulent information upon your request.

2. I submitted my original dispute with Equifax on XX/XX/year>. The fraudulent accounts were removed from my credit report then they were re-inserted on my credit report on XX/XX/year>. 
This non-compliance has caused significant harm to me, including credit denials, emotional distress, and financial repercussions. I have made reasonable attempts to resolve this issue directly with Equifax but have received no satisfactory resolution. 
Given Equifax 's recent history of litigation involving the CFPB, I believe this continued misconduct underscores a broader pattern of non-compliance with consumer protection laws. I respectfully request that the CFPB investigate Equifaxs practices and take appropriate action to ensure compliance with 15 U.S.C. 1681c-2. 
Thank you for your attention to this matter. I trust the CFPB will address this issue promptly and work to protect the rights of consumers like myself. Please do not hesitate to contact me if further information is required.
Product: Credit card

i was not late on my payment. I set up the automatic payment with them as soon as I got the card. I did not see the payment come out. I called and they said the payment will come out soon. But they reported me late on XXXX XXXX that was 3 months after I go the card. I have another card with them for almost 3 years and I have always been on time. I need for them to remove that late payment from my credit report. It is having a big effect in my life. and me credit score dropped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Information : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Complaint : The XXXX XXXX auto loan account was previously removed from my Experian credit report following a dispute under the Fair Credit Reporting Act ( FCRA ). However, the account has now been improperly re-added without prior notification, proper verification, or supporting documentation, as required under FCRA guidelines. 

The account is reported with a {$30000.00} balance, and its re-reporting is inconsistent, as it only appears on Experian and not on other credit bureaus. This inconsistency highlights potential inaccuracies and non-compliance with reporting requirements. I request an investigation into the re-reporting of this account and its removal if no verification can be provided. 

XXXX XXXX Account Information : XXXX Balance : {$6500.00} Complaint : This account was previously removed from my Experian credit report after an identity theft dispute filed under FCRA Section 605B. Despite this, the account has been re-added, negatively impacting my credit profile and score. Experian has not provided any verification or documentation to justify re-adding the account to my report, as required under the FCRA. 

Given that the account was previously deemed invalid and removed, the re-reporting without sufficient evidence violates my rights under the FCRA. I demand immediate investigation and corrective action to address this improper re-reporting.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX
Product: Checking or savings account

International fraudsters used gift cards and XXXX to take everything out of my account. I bought the gift cards because they told me they were from XXXX XXXX and all of my accounts had been accessed. They took control of my online banking and used XXXX to overdraw my account. Chase Bank gave them additional money not authorized by me by what they call a XXXX XXXX XXXX account. Now, I want to pay this account off because they tell me I am responsible. I can not access this account because they have frozen it. They are sending me notices about this account being overdue yet I have no access to pay it. I have talked to at least 16 representatives of the bank, including customer service and the overdraft department and no one can tell me how to pay it off.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on SUNRISE CREDIT SERVICE; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

I live in the state of Texas. After sending emails XXXX for verification of debt i am requesting that the debt be removed from my credit report. I have not received any information pertaining to debt nor any proof of required information pursuant to Texas XXXX. I can not validate debt as mine as I have not any proof of debt, nor any communication from IC System Inc in the time allowed from said TX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report is reporting my name wrong. It is reporting as XXXX XXXX and should be XXXX XXXX.
Product: Credit reporting

There is a wrong address on the Transunion credit report. I never lived at:XXXX XXXX XXXX XXXX XXXX XXXX NYXXXXPlease correct this information. 

Thanks. 

XXXX XXXX
Product: Credit card or prepaid card

I purchased the XXXX XXXX XXXX on XX/XX/XXXX from XXXX and paid {$290.00} through XXXX. XXXX didnt send me any shipping notification after or before shipping had started. I received an email from XXXX regarding shipment on XX/XX/XXXX XXXX. I checked this email XXXXdays later thinking it was shipped out on XX/XX/XXXX because it said shipping status was " shipped '' and checked the tracking number at XXXX on XX/XX/XXXX. I thought it was still in transit to me, but XXXX  tracking ( XXXX ) said it was already delivered ( left in the porch ) on XX/XX/XXXX which was one day  earlier than when I got an email from XXXX. Yes. I got the shipment notice one day after it was delivered! However ; I was always checking my porch everyday because I got packages all the time. It wasnt there. I left the message at XXXX  contact number because no one was answering. I also tried to email them at XXXX, but I kept getting mail delivery failure messages. It seems to be impossible to get hold of the seller. I also filed the claim at XXXX and emailed XXXX XXXX XXXX ( seller per XXXX ), but haven't heard anything from them. 

After I Filed the claim with XXXX, the seller ( XXXX XXXX ) provided another XXXX tracking number ( XXXX ) to XXXX, not me which said the package was delivered on XX/XX/XXXX on the porch again. There was no package left on my porch on XX/XX/XXXX. IT wasn't delivered again. 

According to the first XXXX tracking number, the weight of the package was XXXXLB but per the second tracking number, the weight of the package was XXXXLB -Did they send two different products? Why did they provide to XXXX two different tracking numbers? 
According to XXXX website, the espresso machine ( model ) 's weight is XXXXlb, not XXXXlb nor XXXXlb. 

I requested the claim on XXXX. Why did they send another package to me on XXXX? did they already know it wasn't delivered before I filed the claim? 
XXXX took the seller 's side because the seller submitted the tracking number that said it was delivered. so I called chase customer service and they did charge back for me right away. 
Few days later, I found chase recharged me for this transaction. I opened a dispute case for this and I submitted every evidences and information that point this was complete scam. I got an email reponse from XXXX that had detailed informations about the tracking number and its package. It was from XXXX XXXX XXXX  and delivered to different person at different address in my city. I ordered an XXXX XXXX  and from XXXX. I also submitted this to chase believing this is solid evidence that I didn't get my product. 
chase took 2 months for what they called " investigation '' and I finally got a letter saying that per thier investigation, the result will remain the same. I will still be charged {$290.00} after not getting what I ordered. 
I called chase dispute team and they kept saying one simple, but unacceptable reason for thier decision. The seller provided the  tracking number saying it was delivered. 
As long as the seller provide the tracking number, does not matter the tracking number is for mine or not, it's so easy for the scammers to get away with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birthdate, driver 's license number, and possibly more. They allowed a data breach to occur in XXXX/XXXX 2017, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further  unreasonable that they are not directly notifying every single person affected by this incident.
Product: Debt collection

XXXX XXXX IS A NON BANK LENDER who launders loans through XXXX XX/XX/XXXX ( and other Utah banks ) in order to attempt to evade state interest rate laws that forbid loans at such predatory rates. These XXXX XX/XX/XXXX partners have been the subject of extensive complaints, as well as enforcement actions and private lawsuits. Collectively, the complaints against the loans enabled by the bank reveal : Lack of transparency around high interest rates Unaffordable loans that borrowers are unable to repay Receiving loans that they never applied for and identity theft Improper debt collection tactics, including collecting debt not owed, failure to validate debts, harassment and abuse Credit reporting problems, including incorrect information and failure to respond to disputes and errors. XXXX XX/XX/XXXX enables predatory loans and from allowing itself to be used by nonbank lenders to evade state consumer protection laws. This is illegal and currently under investigation and is also abusive lending practices by XXXX XXXXXX/XX/XXXX. As indicated above, XX/XX/XXXX helps number nonbank lenders make triple-digit APR loans in states where those loans are illegal such as Washington State ( Some of those lenders also use other banks in some states. ) These rent-a-bank schemes are of questionable legality.
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This company is currently showing 30 days late ( XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

{ ACCOUNT NAME : XXXXXXXX XXXX XXXX 
ACCOUNT NUM:XXXX ACCOUNT TYPE : CREDIT CARD ACCOUNT BALANCE : {$160.00} ACCOUNT OPENDEDXXXX Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a f ormal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Product: Credit reporting or other personal consumer reports

These accounts are continuing to report on my credit report as a charged off account, which is now considered as taxable income per the IRS and income can not be reported on a credit report. A 1099c should have been sent out, but I never received it, which is considered as tax invasion.
Product: Credit reporting

This Bankruptcy is not mine and does not belong to me. I have reported this to all XXXX credit bureaus and they will not re-dispute it. I have provided them with a copy of my police report..
Product: Credit reporting or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I FILED A METHOD OF VERIFICATION DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Product: Credit card or prepaid card

This is a complaint from a consumer natural person pursuant to the Truth in Lending Act ( XXXX XXXX XXXX ). On XX/XX/XXXX of XXXX, XXXX XXXX denied my consumer credit application for an INDIGO XXXX XXXX. This adverse action is a direct violation of the Equal Credit Opportunity Act ( XXXX XXXX XXXX ( XXXX ) ). I the consumer and applicant in good faith exercised my right under the Consumer Credit Protection Act. Because XXXX XXXX wrote the XXXX discrimination disclosures at the bottom of the letter, it shows that they knew of my rights which means they knowingly and willfully abused and damaged my life by being non-compliant thus making themselves civilly liable. Lastly, i have attached a photo of the approval requirements stated by XXXXXXXX XXXX  themselves. None of those requirements are mentioned in the reason given for the adverse action. " Recently opened Milestone account '' was not disclosed to be means for disqualification. I really don't understand how XXXX XXXX could think that consumers aren't credible for their own credit when banks don't loan money pursuant to XXXX XXXX XXXX. Especially since they are XXXX insured. What money are they expecting when the United States is responsible for debt obligations and bills of credit which means I have perfect and unlimited credit. This type of practice undermines public confidence in the banking system. I am the authorized representative of my trust account also known as principle also known as priority exemption prepaid account. Seems like XXXX XXXX is in the business of identity theft by pulling credit and getting paid with no equity given to the consumer. This noncompliance needs to stop because if they are doing this to me, I'm sure they will do it to other consumers.
Product: Mortgage

We now have been working with Ocwen ( that 's a stretch ) for over 4 months on the mortgage. They confirm they have received all documents except a document explaining why a teacher is paid 11 months out of the year rather than 12. This explanation has been sent twice, escalated to the escalations specialist XXXX at Ext XXXX who by voicemail confirmed all documents received. Now we received a call and confirmed that they are stating they have not received the documents and the original documents are expired. They 're happy to assist with re submitting the documents ... This comes from the relationships desk. We have had several appointments with the relationships representative in which they have not kept the appointment. The note read back from the representative is that we did not keep an appointment yesterday so they left a message. no appointment was scheduled. I 'm now in the process off escalating by sending copies of what we have sent in to the following. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX District Office XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX, President and CEO XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, General Counsel XXXX XXXX, President Ocwen Services XXXX XXXX XXXX XXXX, FL XXXX Ocwen Board of Directors Corporate Secretary Ocwen Financial Corp XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( Bureau ) brings this action against XXXX XXXX XXXX XXXX XXXX ( XXXX or the Company ) under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C.

SHAM INVESTIGATIONS As a Federally protected consumer I have personally been a victim of these furnishers of information companies they call Credit reporting agencies XXXX, XXXX, AND EQUIFAX sham investigations. Between XX/XX/XXXX through XX/XX/XXXX I have filed 4 complaints via the CFPB portal about these CRAs reporting inaccurate, Incorrect information that I do not want reporting on my Credit Report. These complaints was back with documentation proving that the information the CRAs were reporting was inaccurate, incomplete and that they are reporting improperly. In return I received an automated response via the XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX  system. Each time these so called investigations came back as verified without any proof of the investigations pursuant to the laws of the FCRA on investigations. These CRAs are public traded companies that are selling and bartering their consumers information without their consent in return for these data furnisher companies to report any and everything on a consumers report, which is identity theft, extortion, and fraud. the CRAs have assumed a vital role effecting my credit worthiness, credit Standing, credit capacity, general reputation, personal characteristics, and Mode of living as I have not been able to be granted credit for personal, family, and house hole use. I am also getting notifications from the CRAs about my information being apart of data breaches which is effecting my credit report while still reporting negative accounts on my consumer report. Per FCRA 605B this needs to be addressed within 4 business days. My credit Report is a big mess and needs to be cleaned up ASAP. 

I give my full consent to the CFPB to use this complaint as evidence of these Sham investigations by CRAs in current lawsuit against XXXX. This lawsuit will be used as case law to bring my own federal case against these CRAs