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

I am filing this complaint against Equifax for failing to respond to my dispute letter and for not conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/XXXX, I mailed a dispute letter to Equifax via USPS certified mail ( tracking number : XXXX XXXX XXXX XXXX XXXX XXXX ) to dispute the inaccurate and incomplete reporting of a bankruptcy on my credit report : Bankruptcy Reference Number : XXXX Filing Date : XX/XX/XXXX Court Name : XXXX XXXX XXXX  To ensure my identity was properly verified, I included the following documents with my dispute : A copy of my government-issued ID A copy of my Social Security card A recent bill showing my current address The bankruptcy referenced above is unverifiable. On XX/XX/XXXX, I obtained a consumer report from XXXX ( Consumer Report Number : XXXX, Case Number : XXXX  ), which showed no record of this bankruptcy. XXXX, a primary source for bankruptcy data, has confirmed that this bankruptcy does not exist in their records. 
Despite receiving all required documents and a detailed explanation of my dispute, Equifax has failed to : Provide a timely response to my dispute, as required by the FCRA. 
Conduct a reasonable investigation into the accuracy and completeness of the disputed information. 
Equifaxs inaction is a direct violation of the FCRA, which requires credit bureaus to : Investigate consumer disputes within 30 days of receipt. 
Ensure that only accurate and verifiable information is included in credit reports.
Product: Debt collection

Midland Credit Mangement is continuing to illegal report debt that I am disputing. I have sent certified mail on XXXX occasions stating send me proof of debt the last being XXXX. They continue to state they are not processing my request which is illegal of them. If they do not remove these debts will be bringing suit to them shortly.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit Reporting act XXXX  Account ( XXXX XXXX bankruptcy filing ) has violated my rights 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 28 usc 4852 A party may remove any claim or cause of action in a civil action other than a proceeding before the United States Tax Court or a civil action by a governmental unit to enforce such governmental units police or regulatory power, to the district court for the district where such civil action is pending, if such district court has jurisdiction of such claim or cause of action under section 1334 of this title.

( b ) The court to which such claim or cause of action is removed may remand such claim or cause of action on any equitable ground. An order entered under this subsection remanding a claim or cause of action, or a decision to not remand, is not reviewable by appeal or otherwise by the court of appeals under section 158 ( d ), 1291, or 1292 of this title or by the Supreme Court of the United States under section 1254 of this title.
Product: Student loan

I have been making a payment with Navient from XX/XX/2009 to XX/XX/XXXX. I have paid over {$22000.00} and My balance has only decreased {$6000.00}. I have to sit on a call with a Navient Representative for over a hour for them to tell me all of my expenses. Once this call is complete I they tell me well your payments are going to go up. I tell them every year I ca n't pay this amount. They tell me that I took the loan out so I have no other Choice.I told them when I took the loans out I was under the impression that I could consolidate my loans now I ca n't Private loans do n't qualify. I cry every night because it 's a nightmare. They want provide me the paper work that I am signing up. I give them dates o take the payment out and its never the same.
Product: Debt collection

On or about XXXX 2016 I was trying to clean up my bad credit by obtaining a home equity loan. There were a lot of debts I had to settle. 

Round two recovery was XXXX of the creditors listed on my credit report. I called them @ XXXX XXXX XXXX XXXX and spoke with XXXX. The first time I called she said they had no such debt with them any longer, they had sold my account to another company. She did not provide me the name of that company. Then a week later I called her to get a letter from them stating I did not owe them for the Finance company. At this time she stated that she had " recalled '' the account and now all of a sudden I owed her XXXX, after arguing with her about it and not having any idea how to prove her wrong I settled for {$4600.00}. I just received a check made out to Round two recovery for some reason and I am supposed to send it to her. I have tried to reach her at least five times over the last week and the only message I get is " this person has not set up their voicemail yet '' no sort of salutation of " Hello, this is Round two recovery ''. No way to leave a message. I am to say the least frustrated. I believe she is trying to get money she is not entitled to. I believe this debt was paid through XXXX XXXX XXXX during the same time. I do not want to send this check to her if she is not legit. It seems to me that this is a fly by night debt collection agency that is ran by this XXXX woman named XXXX, I did not get a last name for some reason. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Employer : XXXX XXXX XXXX XXXXXXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX FL XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Equifax Employer : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft and the person used my information to rent a lease last year in XX/XX/year> that resulted in unpaid rent of {$880.00} that now a second collection agency ( XXXX XXXX XXXX ) is trying to collect on. Equifax is incorrectly reporting on this fraud in my credit report. I would like for Equifax to remove this negative mark as soon as possible.
Product: Debt collection

My name is XXXX XXXX. XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX and XXXX XXXX with Equifax multiple times. I have explained that these accounts should have been deleted according to 15 USC 1681 605 ( a ) ( 4 ) 15 USC 1681 605 ( c ) 15 USC 1681 605e XXXX XXXX and XXXX XXXX are the same account. The last payment made to XXXX was XX/XX/2010 and should have been deleted. Equifax has failed to report these account complete and accurate. There are many incomplete and inconsistent facts on this account especially the last date of payment. 

I have sent in documentation and XXXX XXXX just alters information with out correcting and deleting these accounts Equifax is in violation of 15 USC 1681 ( i ) 611 15 USC 1681 ( c ) 605 ( a ) ( 4 ) 16 USC 1681 ( c ) 605 ( c ) ( 1 ) 16 USC 1681 ( c ) 605 ( E )
Product: Credit card or prepaid card

Hi, The issue that XXXX filing is a complaint about is BankAmericard XXXX XXXX XXXX ending in XXXX. Bank of America charged me interest fee of {$23.00} on XX/XX/2023. The reason is because the payment was not made on time due to a problem in bank of America 's system. I had scheduled Autopay on Bank of America 's website to pay the full Statement balance from my external XXXXl XXXX Savings account. I closed my bank of America checking account ( number ending in XXXX ) in XX/XX/2023. Somehow the closing of this checking account resulted in the XXXX being wiped out for the BankAmericard XXXX XXXX XXXX ending in XXXX. When the autopay stopped working, due to no fault of mine, Bank of America charged me late fees and interest charges. I contacted Bank of America about the late fees and they promptly refunded that amount ( as shown in the first screen shot ). However they refuse to refund the interest charge even after spending quite a lot of time/multiple phone calls, explaining the problem and asking Bank of America XXXX XXXX the issue. 

Thanks, XXXX XXXX.
Product: Debt collection

This company has brought a defaulted note as third party and claiming that I allegedly owe. They claim to be partners with XXXX XXXX COLLEGE but can not produce a trust or contract. They are a third party debt collector. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ).
Product: Credit reporting or other personal consumer reports

LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX RE : Your agency Violated my rights to privacy. The law you are violating is here. The civil liability law under which I will sue is here. 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) Attn : LCI Manager ; ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Chapter XXXX Bankruptcy : Case Number : XXXX Date XXXX : XX/XX/year> Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Michigan XXXX XXXX XXXX This account violates 15 U.S. Code 1681a ( 4 ), which grants consumers the right to privacy. 
This bankruptcy should not be included in my credit or consumer report. I demand that you delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I summited disputes on two companies, XXXX  XXXX XXXX and XXXX XXXX. The dates that they were summited is as follow, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I asked for the original copies of the contract on file with my signed signature. They are required by law to have these documents on file to verify this information. They had stated they verified these accounts. I want to know who verified these accounts? They also failed to provide the method of verification I had requested. If they can not provide these 3 items, I'm asking for both items to be deleted, as well as, {$1000.00} per item. I believe the law has been broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting a
gency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Equifax- Attached is the complaint- CFPB Complaint XXXX for XXXXXXXX XXXX XXXXXXXX. 
They have agreed to remove from My account. Please see attached CFPB REPORT for XXXX # XXXX XXXX - {$1200.00} and XXXX $ XXXX Please remove from Credit report Immediately
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Name : XXXX XXXX Also Known As : XXXX XXXX Former : XXXX XXXX Employers : XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX {$11000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XX/XX/XXXX {$0.00} Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 

The accounts below are more than XXXX XXXX XXXX and should be deleted. 

XXXX Reported : XXXX. XXXX, 2024 {$1600.00} Needs Attention XXXX Reported : XXXX XXXX, 2024 {$3100.00} Closed
Product: Student loan

I received an email from Nelnet XXXX XXXX XXXX in XX/XX/XXXX stating that my ( variable ) interest rate was changing within the next XXXX billing cycles. This is the way in which my interest fluctuates due to my repayment plan. A few months later, my interest rate went from just under XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. The fluctuation is due to what is going on with federal interest rates, which I understand. However, based on what I negotiated with the servicer ( Nelnet now Sloan Servicing ) I was supposed to receive a XXXX XXXX  reduction for XXXX  months of on-time payments. I was also to receive a XXXX XXXX reduction as an incentive for having my electronic payments automatically withdrawn. In the first call, the rep mentioned that all of the incentives had fallen off with the rate increase, but she could not tell me why. She agreed that the XXXX rate should be reflecting that XXXX XXXX incentive. After multiple inquiries, they did put the XXXX XXXX incentive back on, bringing my interest down to XXXX XXXX. XXXX representative told me that the reason the XXXX XXXX dropped off because I made a " late payment '' in XXXX. I requested a copy of my payment history from Nelnet, which they provided. Payment history provided by Nelnet to me is attached. Please note that the payment history begins in XXXX. Where is the documentation/proof indicating that I missed a payment in XXXX? Also, why is my incentive being revoked XXXX  years after the fact?! Something does NOT add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX, I requested that a number of inquiries be deleted from my credit file by mail, as these inquires were not authorized. XXXX, XXXX, and Transunion responded that I would need to dispute these inquiries with each individual creditor as they do not dispute inquiries. XX/XX/XXXX, I contacted each individual creditor requesting that they verify they did not have authorization to request my credit and that their individual request be removed from my credit file, till today, I have not received a response. On XX/XX/XXXX I contacted each bureau by phone stating that you are reporting inaccurate information and that this is against the FCRA. As a credit reporting agencies you are required by law to investigate and verify that what is being reported by your agencies, is accurate and true and that these inquiries were actually authorized by me, which they have not. Each representative that I have spoken with has pretty much passed the baton stating that I would be required to contact these creditors to prove otherwise, this is NOT correct. I have attached the letters to each bureau, and each individual creditor.
Product: Credit card

I ran into some financial trouble many years ago. I have made monetary restitution with everyone involved. Except XXXX XXXX XXXX XXXX wo n't fix the account reported on the XXXX XXXX? This is killing my credit score. I have mailed letters and proof to them many times, yet, they just continue to violate many of the FCRA laws.
Product: Mortgage

Specialized Loan Servicing is reporting incorrectly to all three credit bureaus. They show that I am past {$490.00} and that the account was charged-off and is on foreclosure. This is hindering me from obtaining a refinance with my primary mortgage. I wrote them several months ago and they sent a letter apologizing for their error and also said corrections will be made. Nothing was ever corrected. When I call the company, they tell me they do n't see where they sent me a letter and I basically get the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. I've already contacted and sent letters to credit bureaus last XXXX it almost 30 days now but no response yet. I need help with this Issued. My credit score gets worse because of transactions without my permission.
Product: Money transfer, virtual currency, or money service

IMMEDIATE ACTION DEMANDED : Formal Complaint Against XXXX and Chase Bank for Facilitating Fraudulent Transactions I am writing to demand immediate action and redress regarding a series of fraudulent transactions facilitated by XXXX and Chase Bank, which have resulted in significant financial losses. Despite my prompt reporting of these fraudulent activities, Chase Bank has dismissed my claims on the basis that the transactions were " authorized. '' This response is wholly inadequate and represents a failure to protect my consumer rights under federal law. 

Details of Fraudulent Transactions : XX/XX/XXXX : {$2500.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$600.00} These transactions were executed via XXXX from my Chase business account. Despite my compliance with all necessary protocols to report these transactions as fraudulent, Chase Bank has neglected its duty to protect my assets and uphold my rights as a consumer. 

Violation of Federal Laws : The actions of XXXX and Chase Bank are in direct violation of the Electronic Fund Transfer Act ( EFTA ) and Regulation E, which mandate consumer protection against unauthorized and fraudulent electronic fund transfers. Specifically : EFTA Section 907 ( a ) : Prohibits unauthorized electronic fund transfers. 
Regulation E, Section 1005.11 : Requires financial institutions to investigate and resolve errors, including unauthorized transactions, within specified timeframes. 

The blatant disregard for these legal protections by both XXXX and Chase Bank necessitates immediate rectification and accountability. 

Demands for Resolution : Comprehensive Investigation : A thorough and immediate investigation into the fraudulent transactions and the practices of XXXX and Chase Bank that facilitated this fraud. 
Reversal of Fraudulent Transactions : Immediate restitution of the {$8100.00} lost due to these fraudulent transactions. 

Enhanced Security Measures : Implementation of robust security protocols to prevent similar incidents in the future. 

Legal Accountability : Pursuit of punitive measures against XXXX and Chase Bank for their failure to adhere to federal laws protecting consumers against fraud. 

Supporting Documentation : Enclosed are screenshots of communications and other relevant documentation evidencing the fraudulent nature of these transactions. 

Conclusion : The negligence demonstrated by XXXX and Chase Bank in handling this matter is egregious and warrants immediate and decisive action. I expect the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency to uphold their mandate to protect consumers by taking swift and effective action to address this issue. Additionally, I ask for provisional credit to be considered during the investigation period, as outlined under Regulation E, to ensure that I can meet my ongoing financial commitments. 

I am prepared to provide further documentation and testimony as necessary to ensure justice is served and my financial losses are fully recovered.