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 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FRCA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5526 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. In addition to the two violations above I have disputed to Equifax to remove my educational items as I believe that these loans and the associated personal information should not be reflected on my credit report due to the protections provided under the Family Educational Rights and Privacy Act ( FERPA ) 99.31. This federal law protects the confidentiality of student education records, and I believe that my educational records, including my student loans, may have been shared, duplicated and reported improperly. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. 

These are the accounts that I have marked as inaccurate : XXXX. XXXX : Account # XXXX XXXX XXXX XXXX XXXX day late ( should report on time ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX  day late ( should report on time ) XXXX. XXXXXXXX XXXX  : Account # XXXX - Listed as a charge off, no knowledge or record of this account. 

XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX XXXX XXXX : Account # XXXX - Not my account, no knowledge or record of this account. 

XXXX XXXX  XXXX Account # XXXX - Item needs to be removed as I have provided documentation to Equifax that this {$760.00} charge is not mine. 

XXXX. XXXX XXXX : Account # XXXX - Item needs to be removed as I have provided documentation to Equifax that this {$2200.00} charge is not mine. 


XXXX. ALL DEPARTMENT OF EDXXXX ACCOUNTS XXXX. The only address that should be listed on my credit report is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. The only name that should reflect on my report is XXXX XXXX XXXX XXXX. The only phone number that should reflect on my report is XXXX XXXX. The employers listed on my report are false. I have never worked for either of these companies. 

XXXX. HARD INQUIRIES - I never consented for any injuries to my credit report besides XXXX XXXX.
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX with XXXX they told me that the car is worth XXXX my payments is XXXX a month. On the paperwork they did n't have it on there. But yet I signed it and I know that 's a lie. I am on XXXX and the car never really work cause it either stops on me or major fixes on the vehicle since I had the car. I lost XXXX permanent jobs, and constantly temp jobs cause they car leaves me stranded and temp jobs over this problem. They 're scammer in the drivetime sites to get a sale and do not help you. Now that I lost jobs due to the car they want to harass me with phone calls and that 's not right! At first I gave a XXXX XXXX cause it was XXXX and then they talked me into leaving with another car and this car has been failing on me as well. I now put a throttle body in this car, alternator, surpertine belt, 2 new batteries, crankshaft positioning sensor. I now been stranded on the road multiple times and it 's not right. This is my only you means of transportation. All this happened way under a year. Why my bills have to suffer cause of this car and gave to make a decision to pay rent, water and gas, electricity and what I can when I can to get things fixed on this car. This is why Americanshe is poor and ca n't pay bills ... no reliable transportation to work, and the transportation they do have failed in them 70 to 85 % of the time so you have to remain in a lower situation in life just for major companies to live and eat good. DriveTime when they call you they 're nasty, you call them they 're nasty. They do n't do anything for anyone
Product: Checking or savings account

Traditional IRA was opened for my minor son. I was supposed to be on the account as well for maintenance purposes but the bank did not place me on the account. Now they will not give me, the biological parent, any information regarding the account or let me put money into the account. They state that I need to obtain guardiaship of my son and provide proof. My minor son is the only person on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail stating they ( Transunion ) took my XXXX XXXX XXXXccount off of my credit report. I didnt ask them to do that. It is my longest credit history, therefore this will adversely affect my credit score. I previously submitted a compliant for them to update my accounts. I never asked them to delete a open account.
Product: Credit reporting, credit repair services, or other personal consumer reports

VIOLATION TO CONSUMER FCRA AND METRO 2 XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Morgan and Associates P.C. has been robo calling myself and my husband daily from an XXXX number, an XXXX number and a XXXX number. Only once has the caller identified the company they were calling from on XX/XX/XXXX, after months of calling. I did send a debt validation letter on XX/XX/2024. Morgan and Associates made 3-4 calls per day from various phone numbers after the date of receiving the validation letter. I received the return receipt with a signature on XX/XX/XXXX. I have yet to receive the requested information from the validation letter and collection have not ceased despite the receipt of request for validation. 
Morgan & Associates P.C. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Oklahoma XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

For the past year I have been disputing a fraud claim against Chase Amazon - Visa credit card. Fraudulant balance amount is near {$20000.00}. I have provided the Chase fraud department numerous documents to support my claim and am repeatedly advised to submit yet more information which I do. Now I am being told I need to attain a letter of direct acknowledgement from Amazon to support my claim. However, there are no fradulent charges on my amazon account- where I make purchases from. The fradulent charges are coming from the Chase credit card.
Product: Credit card

My account is locked with Affrim. I have called my times I have did 2 ID scans. I cant view my bills or make payments. Every time I log in I get a email saying someone is trying to get into my account when its me. I called them many times and spoke to a Supervisor not getting any help. I find it illegal to keep me from viewing my bills and not allowing me to shop. I cant even pay the bill off cause I am locked out.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  use my information to open a credit card in my name with out my authorization, they are committing fraud, this card was not open by me and they are ignoring the fact that they will be sued and pay for damages and my lawyers fees if this is not removed i will send a letter f intent to sue, they will pay for arbitration and since I have complaints that i have filed, I have even a rep I can contact and have in court or in arbitration that has evidence of me being a victim of identity theft, I will sue for as much as I can get, now take this account off my credit report, this is my last and final warning to this bank, take it off or be sued and tell turn this over also to the attorney generals office and I will contact an investigator from the news media regarding this issue, they would love to run a story showing that this bank is stealing and using my personal information to defraud me and commit fraud and use my identity to establish this account with out me knowing about this account is not mine now take it off. I never open no account through any website. Yall are stealing my personal information I dont appreciate it at all, I wlll sue and I will put this on national television , XXXX XXXX which is XXXX XXXX will live to know and will throw yalls reputation under the bus and you will lose business. Leave my name and my personal information out of this or will own that company, your investigation shows someone other than me open that account all yall are doing is blaming someone so you can constantly steal my information, CFPB yall need to investigate XXXX XXXX Im not the only one they have used their information to commit fraud, I have tons of information that XXXX has ignored, Im asking for yall to investigate and fine this company and its affiliates, my information was found on the dark web by someone and it has been used, I have documentation from the IRS stating that my information was found by someone that had used to gain a credit card and XXXX has ignored it, I am a victim of identity and I have documents to prove that, if discerning doesnt want it be sued, take the account off its not my credit card period
Product: Payday loan, title loan, or personal loan

3 years ago i got a title loan from titlemax here in utah. After paying on faithfully for 2 years i refinanced the loan. After almost a year I noticed my balance always remained the same. i contacted the store manager and going over how much I had paid over the 3 years. I was offered a settlement and paid if off in full. That was over 6 months ago. I received a call today from their corporate office stating I owed {$4000.00} and they were going to reposes my vehicle. I was of course confused and then quickly agitated so I told the XXXX that " you can't reposes a vehicle I paid off and I have the title for ''. So he said he was going to call the local office. I hung up and I called the local office and was XXXX? Of course they were like yes your vehicle is paid via a settlement offer. So I called the regional office again just to be sure that the two were on the same page ... NOPE! Again I was asked why I was late and I still had a {$4000.00} balance due. I was now beyond XXXX off and asked why the same company did not have the documentation that had to go through corporate to be approved ( the settlement ). Again, she called the office a few minutes later claiming yes, it was paid off but she said it would have to be approved and updated by corporate. These morons are completely inept and try to get money from people who have paid their debt but using the " well we didn't know '' tactic. Your corporate, how the XXXX  you can you not know. This organization needs to be held accountable for fake collection practices and harassment of people who no longer even have accounts with them. this needs to STOP!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

i am going for the mortage process, and i requested the credit report, once i receieved it, it doesnt show my credit score and i also see my brother name, social security number and address shown it on my credit report. also some addition address shown in my credit report as well.
Product: Credit card

I took out a credit card over seven years ago just before the financial meltdown when times were somewhat good and rents were still really low. Being that I had never had a credit card before and it had a low limit I thought I was doing okay. They kept raising the limit and the interest which raised the note each month I had to pay before I realized it and they knew on my account notes that I was on a fixed income. so I tried to do what I could. It finally got to be too much and I could n't pay on it any longer. They started with harassing calls, threats with a collection agency until finally I got the police involved. Now it is past the seven years that the FCRA says they can legally keep it on my credit, yet Capital One keeps it on there like a dog with a bone because they do n't want me to ever have a chance to start over. They want me to stay in the ditch forever. The whole point of the seven year rule was that you get to start over at some point. Not let it keep hanging like a noose around your neck forever. They also have an account of mine when I used to have a checking account which they activated some kind of auto debit which I did n't even know about and it overdrew my checking account by XXXX bucks. They did that thinking with my medical XXXX check going in automatically they would make money off of me. However, I was a little too quick for them. And so was social security. They were able to aid me in getting away from Capital One 's predatory tactics once and for all. They nor I however dreamed Capital One would chase me until my grave.
Product: Payday loan, title loan, or personal loan

Womply and Cpital Plus Financial fraudsters managed to scam and defraud me, got the funding from the SBA, converted my money, refuse to disburse that up to date. See attached.
Product: Credit reporting or other personal consumer reports

This is my 3rd request that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While the XXXXXXXX XXXX XXXX  XXXX issued Guidelines regarding non impact of XXXX Score due loan restructuring in the event of Global Pandemic, My XXXX Score has impacted due to appearance of loan restructuring in the XXXX Report. When, contacted TransUnion Customer care, a request number has been generated regarding the issue and was said to resolve the same in 30 days. 45 days passed since the complaint raised. No reply nothing from TransUnion. Also, when tried to contact their Same old Customer Care Number it is saying invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, Equifax revealed that 143 million individuals had their personal identifying information hacked from mid-May to XXXX. After waiting nearly three months, the hack was revealed to the public. Despite offering a website that allows individuals to determine if their own information was compromised, it now appears that this website does not provide accurate information, instead producing randomly generated answers. For example, entering obvious bogus information such as " Name, XXXX '' gives a prompt that your information may have been compromised. Additionally, Equifax is not-so-subtly guiding users to sign up for free year of credit monitoring ( which requires a phone call to cancel the $ XXXX service after the year is up ) while agreeing to terms and conditions that potentially infringe upon affected consumers ' ability to file lawsuits ( both individually and as a class ). Consumers are being advised to use our free annual reports to verify our current records and dispute any incorrect information ( essentially using up our free report for Equifax 's screw-up ). Will we not be forced to potentially pay for our reports down the road if our identity see if it is indeed stolen? Should Equifax not be compelled to cover these costs and eventualities? Furthermore, most consumers are being advised to add fraud alerts to our credit reports at a minimum. Ideally, consumers should put freezes on all their reports, but that costs money. Again, should n't Equifax be responsible for these costs since this debacle is their making? 

At this point, 143 million consumers have no idea who has their information and how it will be used. Equifax 's process for helping consumers determine if their PII has been compromised is of dubious utility at best. Equifax should be held responsible and correct their massive mistake. We all understand this is all developing very fast, but it seems to me that the priority should be to make these 143 million potential identity-theft victims whole again, however long that may take.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing to you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX LA XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Product: Debt collection

I was alerted to National Recovery Agency after receiving a random text message. The text message was sent and contained personal information in the text message. I decided to do some research on NRA and meanwhile received a second text message. At no point was I ever contacted via mail about this debt. Only text message. I found out this was for a debt that another debt collector had closed collection on because the originator had my balance at owing {$0.00}. I sent a letter to the e-mail they provided in the text on XX/XX/XXXX asking for verification information including the original statement showing I owed as well as other verifying information. I finally got a response on XXXX that was extremely rude saying they only had to send me a bill and ONLY a bill and that was it. The man, XXXX XXXX, said he would send it to me after he received it from the originator. So NRA started collecting on a debt that YOU did not even have any verification for? Additionally, my request to see that they are licensed to collect in my state was denied, along with other information my letter asked for. I received a bill in the mail with only 2 days left to go in the 30 day mark and the bill does not match my online account. My account with the creditor says I owed {$0.00} as of XX/XX/XXXX. I moved from this location in XXXX of XXXX. XXXX says they have no record of me owing. Additionally, the last debt collector closed the collection.
Product: Payday loan

I RECEIVED A CALL FROM A COLLECTION COMPANY NO NAME OF THE COLLECTION COMPANY WAS GIVEN THEY STATED I OWED XXXX ASKED HAD I BEEN SERVED I ASKED FOR THE DOCUMENTATION THEY SAID DO YOU WANT TO PAY THE XXXX I STATED I DONT KNOW WHAT THE CHARGES ARE FOR I AGAIN ASKED FOR THE DOCUMENTATION AND THE COMPANY NAME TO CONTACT LEGAL COUNSEL THEY STATED THEY WILL BRING DOCUMENTATION TO COURT AND HUNG UP
Product: Debt collection

I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.
Product: Credit card or prepaid card

I have a Walmart Capital One Mastercard. I always pay in full upon receiving the statement. I just received the statement with late fees and credit interest stating that I had to make a payment on XX/XX/2022. I just received the statement yesterday, XX/XX/2022. How am I to pay on the XXXX of XXXX if I do not know its due until I receive the statement. I always receive the statement approximately 12 to 14 days after the XXXX of the month. Yesterday it was the XXXX. How am I to know when to pay? This is wrong. This is FRAUD. They list {$28.00} late fee and {$21.00} interest because of the late fee. Somehow the statement has {$1300.00} owed. Yet my transactions are {$940.00}. There is a difference of {$350.00}. They do not have any account of this. 
This is wrong. I paid the money I owe, {$940.00}. I do not know where these people are coming from. Their fraudulent statement does not make sense. I do not owe that {$350.00}. I need your help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I reached out to bridgecrest for a certified bill in the amount of {$5700.00} but they provided no bill. I asked him to send me a certified copy of a legal binding contract that we both signed they did not provided it. This is my third attempt to get a bill from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my one of my numerous 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report is displaying payments of ; on time ( XX/XX/XXXX ), 30 delinquent XXXX XX/XX/XXXX ), 60 days delinquent ( XX/XX/XXXX ), 90 days delinquent ( XX/XX/XXXX ) and 120 days delinquent ( XX/XX/XXXX ). Then shows on time payments on XX/XX/XXXX and XX/XX/XXXX. Account was closed XX/XX/XXXX and last payment was made XX/XX/XXXX. A letter was submitted to the credit reporting agency when they " updated '' the account and added the on time payments of XX/XX/XXXX and XX/XX/XXXX. My last submitted dispute/documentation was sent to them XX/XX/XXXX but this was addressed three times in the past.