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

I Am Filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation the accounts I am referring to will be listed below. 
Inquirys : 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 These are the accounts that I have marked as inaccurate. I am a victim of identity theft which I have reported to all 3 bureaus with a police report when the theft occurred and I want to hold Equifax accountable for the actions.
Product: Credit reporting or other personal consumer reports

I trust this message finds you well. I am reaching out to address a matter concerning my rights as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ). 

Recently, I became aware that a charge off on my credit report is considered a certificate of indebtedness, which in turn is regarded as income and must be removed from my credit report. This issue pertains to the reporting of transaction history, and I believe it violates the FCRA, specifically outlined in 15 USC 6802 through 15 USC 6805. 

Given this circumstance, I am formally exercising my right to opt out of any and all authorizations, whether written, unwritten verbal, or nonverbal, that I may have previously given. It is imperative that my personal information is handled in accordance with my preferences and in adherence to federal guidelines, as mandated by the FCRA. 

Additionally, I kindly request clarification or a summary of the provisions detailed in 15 USC 6805 for my reference and understanding. Your assistance in providing this information would be greatly appreciated. 

Furthermore, I kindly request acknowledgment of receipt of this opt-out request and prompt action to rectify the reporting discrepancy on my credit report. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXXXXXX XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA XXXX XXXX The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Delete this account. 

XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX
Product: Debt collection

Agency : Credit Management LP Address : XXXX, TX XXXX Account reference : XXXX I received a collection notice which was forwarded to me by mail. The original amounts owed apparently were being sent to the wrong address in XXXX  and I live in XXXX XXXX TX. I called the referenced agency above on XX/XX/2029 at approximately XXXX am XXXX. After explaining the situation I explained that I would like to pay the balance but would need something in writing that this would not be reported to a credit bureau. I was told that they did not report to credit agencies, however since they are a member of XXXX XXXX, it made me suspicious. I asked to speak to a supervisor, was placed on hold for 20 mins and then was told no one else was available. There was no direct extension to leave a message and the person I was speaking to refused to leave a message for a supervisor. At the end of the call I emphasized that I wanted to pay the debt but needed at minimum an email indicating this would not be reported to a credit reporting agency. This felt extremely shady to me. Based on what she was saying, I just needed to take her word for it instead of protecting myself and my rights. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.
Product: Debt collection

I was contacted by Credence Resource Management in regards to an attempt to collect on behalf of XXXX XXXX via a letter. I returned the portion of the letter which was provided to dispute the charge. The acknowledge receipt of this dispute. I began receiving calls again for the alleged debt a couple weeks later without ever receiving proof of the debt. When I called in I was told by both the first representative and a supervisor they received the dispute and did an investigation and found it invalid. They confirmed nothing was mailed to me. The first representative told me I would need to contact XXXX for any questions. The supervisor then stated the same despite me repeatedly stating I wanted, and the law required, them to mail me the confirmation of the debt. The supervisor said " lets just do a 3 way call with XXXX ''. I again repeated the law and their own letter stating they must provide the documentation via mail, the supervisor kept saying if I'm going to keep saying and interrupting with that the conversation will end. Finally the supervisor stated they will mail me the verification and put my account back in to " dispute '' status, but stated they would not reverse the actions already taken after receipt of my dispute including reporting to the credit bureau and told me to just dispute again when I get the letter. I also stated in the call I wish all future contact to be in writing, the supervisor stated he noted that in my account.
Product: Credit reporting or other personal consumer reports

I am paying for credit monitoring service. I am unable to use the XXXX XXXX XXXX feature which allows me to lock/unlock my credit account. I have called the company several times. Spoke to a supervisor named XXXX, she tried to help but had to escalate to tech team. I called after the 3-5 business days and everyone is hanging up on me and not helping. If they can not fix my account then give me back my money. But i need to be able to monitor my account so this needs to be fixed
Product: Debt collection

I connected Affirm on XXXX about a collection that they have on my credit report. The agent stated to me that I have a loan from them through XXXX. I advised the agent that Ive never had affirm. He advised me to contact XXXX. I did. I called XXXX and the agent stated that they have no records of me purchasing anything. I have on a recorded stated from XXXX saying this. I also have a recorded stated by Affirm stating that XXXX is who I have an account with. I would like Affirm to delete and remove this from my credit profile immediately
Product: Checking or savings account

On XX/XX/XXXX - XXXX, 2019 I made a selling transaction for bitcoins worth {$7100.00} on a website called XXXX. The transaction was done to 2 different individuals. One was for {$3000.00} and the other was {$4100.00}. The buyer was to send me payment through XXXX XXXX to my bank chase. Once I received the funds through XXXX I will release the bitcoins to them. And that is exactly what I did. I have receipts and everything. The next morning at around XXXX XX/XX/2019. I got out of class and tried going to the gas station to fill up my car. I used my chase debit card and it was automatically declined. I thought it was a mistake because I just checked and I had {$7100.00} in my account. I called up chase and the lady on the phone told me that my account from chase is preparing to be shut down permanently. I was confused and rushed over to the bank to talk to someone immediately. When I arrived to the bank no one could help me. They reached the fraud prevention online center and the manager of the fraud department told me that my account was flagged for suspicious activity and that my account and funds will be frozen until they finish their investigation. I tried explaining them what happened but no one seemed to cared. Not only did chase froze my account and took my money without an explanation but they also affected my relationship with other financial institutions such as XXXX  and XXXX XXXX XXXX. On XX/XX/2019 I made a payment of {$250.00} to pay off my monthly credit card bills using my chase account. And on right after I received my money from XXXX from the buyer I immediately transferred {$6500.00} into my XXXX  trading account. The money that I paid to XXXX XXXX XXXX was successfully processed and so was the funds to my XXXX  trading account. But since chase has frozen my funds and locked my account, they also reversed my payment through XXXX XXXX XXXX and XXXX. Now Im affected by not only chase but these 2 other institutions. XXXX  XXXX send me an email threatening to close my account down because of chase reversing my funds without my permission and now I have to sell out of my position on XXXX  just to even out the {$6500.00} that was supposedly already went through but is now being reversed because of chase. Everyday Ive been calling chase fraud department and theyve given me a different answer every time I have called. At this point Im out of luck and very frustrated and confused. All I want are answers and my hard earned money back. I understand that chase has the right to close my account down but they dont have the right to take my funds away from me and reverse payments that arent authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called this company when I found out that they were they miss represented they said I gave him my credit card information and expected them to work on my credit at the point of my credit report and accessing my personal information that I found out that they're not a credit repair service it's actually ran by something already marketing I am bringing this until you guys and I'm going to reach out to the lawyer when I called the company and asked them to delete my information and delete any service that I have with them that refuse to do that and say that they could not do that I need to see what kind of stuff I need to take for to go from here
Product: Credit card or prepaid card

On XX/XX/2023, I contacted Apple Card asking them to refund a {$220.00} credit balance on my account. Their customer service informed me that it would take approximately 8 days for the money to reach my account. This is unfair for it to take that long to electronically do a refund refund. When I owe them money the funds are immediately withdrawn. I asked them to expedite the process since I was experiencing a hardship. They refused to accommodate my request. 
This blatantly unfair to me the consumer. I suspect they are playing games with my money and holding on to it so they can make more money. It simply is not in their interest to promptly do a refund.
Product: Credit reporting or other personal consumer reports

I am writing this formal complaint against XXXX and Trans Union to bring to your attention the persistent and unresolved issues related to inaccuracies in my credit reports. Despite submitting multiple dispute letters pointing out account errors, XXXX and Trans Union has failed to correct or delete the inaccurate information, as mandated by federal law. 

I have attached copies of the dispute letters I submitted along with the corresponding documentation supporting the accuracy of the disputed items. These documents clearly demonstrate that the information reported by XXXX and Trans Union is incorrect and in violation of the Fair Credit Reporting Act ( FCRA ). 

The FCRA stipulates that credit reporting agencies must ensure the accuracy of the information they furnish and maintain. XXXX XXXX XXXX XXXX XXXX of the FCRA explicitly states that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) of the FCRA, if a consumer disputes the accuracy of any information on their credit report and provides supporting documentation, the credit reporting agency is obligated to investigate and correct any inaccuracies within 30 days. 

It is disconcerting that XXXX and Trans Union has not adhered to these legal obligations, and as a result, my credit report continues to reflect inaccurate and damaging information. I believe XXXX and Trans Union are in violation of the FCRA, and this persistent negligence has significant consequences for my financial standing and creditworthiness. 

I would like to draw your attention to the potential legal consequences XXXX and Trans Union may face for knowingly reporting false information. According to the FCRA, individuals who willfully fail to comply with the requirements of the Act may be liable for civil penalties, with costs ranging from {$100.00} to {$1000.00} per violation. Moreover, Section 616 of the FCRA allows individuals to pursue damages in a private lawsuit for willful noncompliance, including punitive damages, attorney 's fees, and court costs. 

I request that the XXXX XXXX XXXX investigate this matter thoroughly and take appropriate action to ensure that XXXX and Trans Union corrects the inaccuracies in my credit report as required by law. I also urge the XXXX  to consider the legal consequences XXXX and Trans Union may face for their willful noncompliance with the FCRA.

Thank you for your attention to this matter. I trust that the XXXX XXXX XXXX will take prompt and effective action to rectify this situation and hold XXXX and Trans Union accountable for their violations.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute the inaccurate reporting of late payments on my XXXX account, XXXX. I believe this to be an error, as my account status has not changed and I have continued to make timely payments. 
The discrepancy between the XXXX reports has caused significant concern and XXXX negatively impact my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : ERC 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXXs XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand XXXX XXXX   Open date XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES XXXX XXXX. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for XXXX XXXX, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ). 

Accounts listed below in XXXX XXXXXXXX highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( XXXX ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor. 

( XXXX ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in XXXX XXXXXXXX highlight text accounts in status of Charge off that is tag FDCPA Section XXXX Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in XXXX XXXX highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting an account on my Equifax report with 2 different account numbers and 2 different last activity dates. Also one account show delinquent and the other shows paid as agreed. I have called this company several times about this issue and I have also disputed this with Equifax. Equifax is not cooperating either. Its is against the credit reporting laws to reports duplicate accounts. The attached documents are marked with the incorrect information being reporting to Equifax. I will seek legal credit reporting assistance if needed.
Product: Debt collection

I am writing to formally to disputing all allegations of debt that Omega RMS is claiming I owe XXXX XXXX XXXX. Omega is reporting on my consumer credit report that I owe. XXXX XXXX XXXX {$2000.00} plus. I demand that, Omega. RMS removes the allegation off my credit report Immediately are Ill be forced to take legal action.