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

Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed or amend the disputed accounts, as Equifax inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENCLOSED IS A COPY OF MY CORRESPONDENCE SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTION 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE INACCURATE ITEMS BEING REPORTED I AM PROVIDING
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently disputed a bankruptcy with Equifax on XX/XX/2023 and they verified it as accurate through lexis nexis, i have documentation from XXXX XXXX XXXX stating that a bankruptcy is not on my report from them, i mailed i copy of this letter to equifax on XX/XX/2023 and they not respond, this item is falsely reported by them and need to be remove immediately.They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In XXXX of 2023 I contacted XXXX XXXX to check if there was a credit card opened in my name after I received a card in the mail with my name on it. XXXX XXXX informed me that I was {$1400.00} in debt for a {$1300.00} credit card. I informed XXXX XXXX that it was fraud & to close the card. I then sought legal counsel and was instructed to have XXXX XXXX file a dispute and open an investigation because I did not authorize the account to be opened and never agreed in any form to be responsible for the card. I successfully faxed over an 'Identity Fraud Information Form ' in XX/XX/2023 which XXXX XXXX states was illegible but never informed me of the document 's illegibility until XX/XX/2023 after XXXX XXXX informed in XXXX of 2023 that I would be held responsible the credit card account. I asked XXXX XXXX to send me the affidavit/agreement that was signed showing that I authorized the account or agreed to be responsible. XXXX XXXX agreed to send me information within 30 days but later denied to send me the info.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( XXXX ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXXXXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 

XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Mortgage

IN CASE XXXX YOUR CLIENT XXXX XXXX DECIDED ON XX/XX/XXXX TO LIE IN HIS SWORN TESTIMONY AND WHILE ON THE WITNESS STAND 1..SAID HE HAD NEVER SEEN MY FACE UNTIL AFTER XX/XX/XXXX THE DAY XXXX XXXX SAYS XXXX XXXX CONDUCTED THE TRANSACTION SALE. 2. HE DO NOT KNOW XXXX XXXX XXXX. 

ONE QUESTION, ARE XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX THE REALTOR OF RECORD IN THIS MATTER? 

ARE XXXX XXXX XXXX THE REALTOR FOR XXXX XXXX DOING THE BUSINESS AT XXXX XXXX XXXX XXXX, MI XXXX IN XXXX?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Violation of FCRA XXXX XXXX Dear XXXX, I am writing to formally lodge a complaint regarding your failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX ( XXXXXXXX XXXX XXXX ), which mandates credit bureaus to investigate disputes and provide proof of such investigations. 

Despite my repeated attempts to dispute the erroneous information on my credit report over the last year, you have failed to : XXXX. Conduct a reasonable reinvestigation of the disputed items, as required by law. 
XXXX. Provide proof of the reinvestigation process or any findings supporting the accuracy of the disputed information. 
XXXX. Correct or remove the inaccurate information from my credit report, which continues to negatively impact my creditworthiness. 

The inaccurate information appears to have been fraudulently placed on my credit report without my knowledge or consent. This failure to act violates FCRA XXXX XXXX and undermines the transparency and integrity of the credit reporting process. As a result, I have suffered financial harm, including a diminished credit score and the inability to access fair credit opportunities. 

I am requesting that you : XXXX. Immediately conduct a thorough reinvestigation of the disputed information. 
XXXX. Remove any inaccurate or unverifiable information from my credit report. 
XXXX. Provide a detailed report of the reinvestigation process and findings. 
XXXX. Take corrective actions to ensure compliance with FCRA obligations in the future. 

Failure to address this matter promptly may leave me no choice but to escalate this issue by filing a complaint with the Federal Trade Commission ( FTC ) and pursuing legal action. 

Please confirm receipt of this complaint and provide a response within XXXX  days, as stipulated by the FCRA. You may contact me at XXXX or XXXX to discuss this matter further. 

Thank you for your prompt attention to this matter. I look forward to your immediate action to resolve these inaccuracies. 

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

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Debt collection

I was notified in XX/XX/XXXX I owed a debt from a personal loan of XXXX dollars. I made payment arrangements to the company of XXXX a month which was XXXX XXXX XXXX a law firm in CA and I was told if I do n't pay this debt I will be sued and taking to jail. I was making these payments and decided to consolidate my debt through XXXX XXXX in XX/XX/XXXX and they were confirmed through XXXX XXXX XXXX XXXX  I owed XXXX and my payment would be XXXX towards the law firm every month. I recently wanted to know my balance as of today with XXXX XXXX which they told me was XXXX left to this company. I call the company direct and they are telling me I owe XXXX dollars still because of interest and fees over the years. All I want is a correct amount to pay and set up payments or pay the XXXX in full and not deal with this anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX To whom this may concern, After recently reviewing my consumer report, I noticed UNAUTHORIZED credit inquiries on my consumer report. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 

Please delete immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me am updated copy of my consumer report. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am requesting that the CFPB investigate this matter and ensure that the incorrect information is removed from my credit report. This inaccuracy has negatively impacted my credit score and financial standing, and I seek a prompt resolution to rectify this situation. 

Thank you for your time and attention to this matter. Please inform me of any updates regarding the investigation and resolution of my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to CFPB Case XXXX to Experian 's response. XXXX  replied and completely twisted my words making false accusations stating that I said that I " have not received any documentation relating to the account ''. This is what they are basing their response off of. When I in fact said that Experian DID send me documentation but the documentation sent does not qualify as legal " Verification or Validation '' Seeing as its nothing but a {$0.00} Balance letter from the debt collector. I also in fact stated that I was not shown a BILL OF SALE between the debt collector and the originating creditor, which is true. All they keep sending me is this single documentation from XXXX  XXXX which is a {$0.00} Balance letter crafted by them. All this is is showing that there is some account out there that they have me listed under with a {$0.00} balance. How is that Verification? Also Who actually verified this claim? These are the EXACT things I ask Experian to answer which they DID NOT and just keep giving me the general statement that " The data furnisher and or public record vendor verified '' .... Well why do n't you have copies of signed documentation by me or the BILL OF SALE of the debt by the data furnisher?? A {$0.00} balance letter does n't mean anything and that 's all I was ever sent. I was never sent a contractual agreement. Just sent a {$0.00} Balance Letter and a Bill. That is completely invalid under the FCRA and this WILL be removed or my lawyer WILL be working this case against both Experian and XXXX XXXX. RESPOND WITH ALL MY REQUESTS ANSWERED IN DETAIL OR REMOVE XXXX XXXX FROM MY CREDIT REPORT. ONCE AGAIN A {$0.00} BALANCE LETTER IS NOT VALID VERIFICATION AND WILL NOT HOLD UP IN COURT. I WILL CONTINUE TO FIGHT THIS. You all cant even provide a contract that shows XXXX XXXX has the right to collect for me!! Where is that contract??
Product: Credit card or prepaid card

Ive been asking Bank of America to send me a replacement card for {$4200.00} that was hacked and up to now they have not sent it to me. Ive spent hours verifying my personal information with no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX.. again acct ending XXXX this acct is paid off and i closed it
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following accounts are not mines, these unauthorized accounts shall be removed from my credit file immediately. 

1. XXXX XXXX {$570.00} 2. XXXX XXXX {$810.00} 3. XXXX XXXX XXXX {$240.00} 4. XXXX  XXXX XXXX {$180.00}
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax for multiple violations of the Fair Credit Reporting Act ( FCRA ), which have had a serious impact on my credit standing and financial well-being. 

Data Breach and Inaccurate Information My personal data was part of the XXXX  Equifax data breach, which compromised my sensitive information. Since then, I have observed multiple inaccuracies on my credit report, including an old address linked to my account that should have been removed. 
Despite several requests, Equifax has failed to delete this outdated information, even though it was tied to the data breach. 

Reinserted Negative Information Without Notice Equifax reinserted negative information into my credit report without notifying me as required under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ). This negative information has affected my creditworthiness, preventing me from securing important loans, such as a recent car loan that was denied. 

Unauthorized Inquiry and Inaccuracies In addition, there is an unauthorized inquiry on my credit report that I did not consent to. 
Furthermore, XXXX XXXX reporting contains inaccurate payment histories for several months, where the data is either missing or incorrect. Equifax has continued to respond with stall letters rather than properly reinvestigating these items, as they are required to do under 15 U.S. Code 1681i.

My Right to Sue Under 15 U.S. Code 1681n, I reserve the right to pursue legal action for willful noncompliance with the FCRA, including Equifaxs failure to properly investigate disputes and notify me about reinserted information. I am seeking actual and statutory damages due to the harm caused by these violations, as well as punitive damages for Equifaxs reckless disregard for my rights as a consumer. If these issues are not resolved within a timely manner, I am prepared to initiate legal proceedings to enforce my rights under the FCRA. 

Furthermore, I respectfully remind Equifax of their obligation under 15 U.S. Code 1681b ( 2 ) for providing consumer reports without permissible purposes, which includes the unauthorized inquiry on my report.

Request for Action I am requesting the CFPB to : Investigate Equifax for these serious violations of my consumer rights.

Ensure that Equifax removes all inaccurate information, including the old address linked to the data breach.

Ensure that reinserted negative items are deleted permanently.

Remove the unauthorized inquiry from my report.

If I do not receive satisfactory resolution within 15 days, I will proceed with legal action in federal court to seek the damages that I am entitled to under the FCRA.

I am prepared to provide all supporting documentation, including certified dispute letters, evidence of reinsertions, and the inaccurate reporting I have endured. This includes documentation of the emotional distress and financial damage caused by Equifaxs failure to comply with the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Smith Rouchn-XXXX {$550.00} I write this company directly an inform them this payment was n't mines. Did n't received an reply so I am trying another step.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fess I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

To WHOM IT MAY CONCERN I AM WRITING TO DELETE THE FOLLOWING IN MY FILE .THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM IDENTITY THEFT AND DID NOT MAKE THE CHANGE .I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORTED THE THEFT OF MY IDENTITY TO FEDERAL TRADE COMMISSION AND I ASLO HAVVE ENCLOSED COPIES OF FEDERAL TRADE COMMISSION IDENTITY THEFT AFFIDAVIT.PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/18, I was asked to transfer {$200.00} using XXXX in order to buy tickets from someone on XXXX. I bank with US Bank and he claims to bank with XXXX XXXX XXXX. The money transferred immediately, and he claimed it didnt work, despite it having cleared from my account. He has since disappeared, and XXXX has no fraud protection - US Bank claims to have none with XXXX either. There is no way to cancel the transaction or even file a complaint against him.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX for incorrect reporting to all three major credit bureaus XXXX, TransUnion, and XXXX. Despite numerous attempts and communications with XXXX XXXX to address and correct the inaccurate data reflected on my credit report, the issue persists unresolved. 

The inaccurate reporting by XXXX XXXX has significantly and negatively impacted my credit score and financial standing. The failure of XXXX XXXXXXXX to correct the erroneous information is in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically under the provisions set forth in US Code 1667, which mandates the accurate reporting of consumer credit information and provides consumers with the right to have incorrect information corrected in a timely manner.

Here are the key points of contention : 1. Incorrect account status : XXXX XXXX has reported my account as charged off, late, included in Bankruptcy, and Unrated which is inaccurate.

2. Failure to update information : Despite providing evidence and numerous communications with XXXX XXXX to correct this data, there has been no adequate response or action taken on their part to amend the inaccuracies.
Product: Debt collection

The company is Lendmark Financial. I took out a {$3000.00} loan with this company in XXXX or XXXX. Several months later, I lost my job and was unable to make my payments and the loan was eventually charged off and reported to collections. I took steps to enlist the help of a debt consolidation firm, and they negotiated a lower amount with this company. That was after an employee of Lendmark showed up at MY HOUSE demanding the loan be paid! Fast forward 7 years later, I start getting calls 7 to 10 times a day from a debt collection firm called XXXX. In addition to the frequent calls, which are harassing enough, they are now calling personal contacts. I have heard from immediate familymy parents, my daughter, my ex-husband and my former sister-in-law that they have all received phone calls from this company asking for personal information like my phone number, address, etc. Last week I answered one of these calls and this is the information from that call : Name of Debt Collector - XXXX XXXX XXXX XXXX calling for Lendmark Financial XXXX - XXXX ( just one of several numbers they use in addition to Unknown Caller Name of Caller - XXXX XXXX I am told that I owe {$3800.00}, ( {$3000.00} for the original loan amount and {$820.00} in late fees ). I want these calls to me and my family to cease and desist immediately. I have not received any validation letter that explains this debt and have never used my family members as references, nor given permission for them to be contacted in any way!