23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account. 

3. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
9. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against [ EQUIFAX ] for Failing to Conduct a Proper Reinvestigation in Violation of Federal Law To Whom It May Concern, Account name : XXXX XXXX XXXX Account number : XXXX I am filing a formal complaint against [ Equifax ] for blatantly violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to conduct a proper reinvestigation of disputed information on my credit report. This is a direct breach of multiple federal statutes, including but not limited to : 1. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to Conduct a Proper Reinvestigation * The law mandates that credit bureaus must conduct a reasonable reinvestigation when a consumer disputes inaccurate information. However, [ EQUIFAX ] failed to properly investigate my dispute, disregarding its legal obligation.

2. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy * Credit reporting agencies are required to maintain accurate consumer credit information. By failing to correct the errors despite clear evidence, [ EQUIFAX ] continues to allow false and damaging data to remain on my credit file.

3. 15 U.S.C. 1681i ( a ) ( 4 ) Duty to Review and Consider All Relevant Information * This provision mandates that credit bureaus must consider all relevant evidence provided by consumers. My documentation was ignored, showing a reckless disregard for my rights and responsibilities under the FCRA.

4. 15 U.S.C. 1681s-2 ( b ) Duty of Furnishers to Investigate Disputes * The credit bureau has a legal duty to ensure that furnishers properly investigate disputed data. Instead, [ EQUIFAX ] blindly relied on unverified information, which is a clear violation of this statute.

5. CFPB v. Experian, Equifax, and TransUnion Precedent for Enforcement Actions * The CFPB has previously taken legal action against credit bureaus for failing to reinvestigate disputes adequately. The Bureau 's lawsuit against Experian, Equifax, and TransUnion demonstrated that such failures are serious violations of consumer rights, and I expect similar enforcement action to be taken in my case. 
The negligent handling of my dispute by [ EQUIFAX ] has caused significant harm, including financial distress, credit denials, and undue stress. This failure to comply with federal law is unacceptable, and I demand immediate corrective action. 
Requested Action : * A proper and thorough reinvestigation of my dispute, ensuring compliance with the FCRA. 
* Immediate deletion or correction of the inaccurate information. 
* A detailed written explanation of the investigation process and findings. 
* Compensation for any damages incurred due to this negligence. 
If this matter is not resolved promptly, I will escalate my complaint to the Federal Trade Commission ( FTC ), state attorneys general, and seek legal remedies. 
I expect a formal response within the legally mandated timeframe. Please confirm receipt of this complaint and provide an update on the next steps. 
Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently a new account appeared on my credit report under XXXXDEPT OF ED. I have never had student loans in my life, so the loan has been fraudulently tied to my personal credit health. The Accounts look to be opened on XX/XX/XXXX and are in good payment standing. There are currently XXXX loans tied to my SSN, one of which was added as recently as XXXX XXXX as that was the last time I checked my credit health and at that time there were XXXX loans opened under XXXX/DEPT OF ED. The current outstanding loan balance is and as of XXXX. The total loan amounts are : {$6100.00} ; {$6000.00} ; {$3500.00}. I've disputed this claim with XXXX XXXX as of XX/XX/XXXX and today XX/XX/XXXX with TransUnion and will continue with the other credit monitoring services today. I will also be filing an FTC report and police report. Please resolve this error asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan that is currently being serviced by XXXX XXXX. In XX/XX/2019 I lost my job and applied for loan forbearance. I even sent payment for XXXX my loan payment amount XXXX {$830.00} XXXX to initiate the forbearance. The forbearance was denied without explanation. I contacted XXXX XXXX, they informed me that my loan needed to be 90 days delinquent in order to file for a forbearance ( which seems counterproductive ). I waited the 90 days and filed again and the forbearance was approved and a forbearance contract was sent. Since the date specified I have made the requested payments of {$860.00} every month on time. However, XXXX XXXX has reported my loan as delinquent and it shows as almost 11 months past due. Needless to say this has taken my XXXX credit score down to XXXX. They are reporting incorrect information to all XXXX credit reporting agencies XXXX Experian, XXXX and XXXX XXXX and continue to do so.
Product: Debt collection

I do not owe this company bor do I owe XXXX XXXX. I tried to explain that and it was ignored. I have no dealing with this collection company and the final payment was made to XXXX   when policy ended
Product: Credit card or prepaid card

Chase closed my business credit card for no reason or any warning. Can you please reinstate my account or let me reapply for this card.
Product: Credit card

XXXX sent me a credit card I never asked for and never approved. The bank had been unresponsive to my attempts at contact. I stopped using this bank more than 5 years ago and have repeatedly asked them to stop contacting me, which has been ignored.
Product: Payday loan, title loan, or personal loan

This company is a shared income loan. I was unaware what this meant exactly but now see the issues with this. Issues I'm having now primarily stem from trying to get a hold of an agent at this company. I made a large payment hoping it would reduce the amount of the loan, which it did not. I was sent a notice that my payment would be going down however due to the large payment. I had been trying to get a hold of them to find out exactly how much my payments would be. I attempted by phone and email several times and was still unable to get a hold of anyone. The first payment since has been withdrawn from my bank and is the same amount that it was previously. They've changed nothing and still have not contacted me. I have again attempted to contact them by phone but continue to be routed to their voicemail. They have, in the past, taken a payment out of my account a week earlier than scheduled. Luckily, I had the funds to cover, and it took 3 days to speak to anyone regarding that. I question if this company is a real company.
Product: Credit reporting or other personal consumer reports

My credit report has been pulled up by these companies and applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them. I have contacted Experian and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Product: Credit reporting or other personal consumer reports

This Company Innovis Is Reporting Credit Card Accounts On My Consumer Report An I'm Trying To Figure Out How You All Are Reporting Any Thing On My Report When You Never Asked Me For Written Consent To Do Which Is A Violation According To FCRA. 

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681i ( 5 ) it states ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Here are this list of accounts that are not reporting accurately : I need these accounts DELETED immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).

NAVY FEDERAL 6473 / COMENITY CAPITAL 6674 / JPMCB CARD 1682
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, all XXXX, XXXX XXXX, 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 all inquires listed on my XXXX, XXXX and XXXX reports..i have contacted all the companies on numerous occasions also I have contacted all 3 credit bureaus, they are still listed.

Listed below are accounts showing on my reports that SHOULD NOT BE LISTED XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, Caine and weiner
Product: Debt collection

On 5 different occasions I have contacted Fair Collection and Outsourcing in  XXXX XXXX MD XXXX @ XXXX. 

I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. 

I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.
Product: Credit reporting

I have XXXX credit accounts showing on my credit report for XXXX and XXXX. I do not know what these accounts are and I did not use either of these accounts. I have tried to contact both credit companies and could not get any questions answered. My credit report is showing as an authorized user on both these accounts. I did not consent to being added on either of these acccounts nor did i use them.
Product: Payday loan, title loan, or personal loan

We were approached by a solar panel company and moved forward with having the panels put on our home. It has been a disaster from the beginning and the finance company ( whom this complaint is about ) has recently raised our percentage rate to 17.99 % with a {$990.00} per month pay due. We never agreed to this nor did we sign a contract agreeing to it. They have a contract that shows an electronic signature that is something we have never seen. It is a forged document. I have tried to reach the company about it and they are unresponsive.
Product: Debt collection

Bridgecrest Acceptance Corporation continues to harass me using profane and obscene language over an alleged debt I do not owe after I sent them a cease and desist letter back in 2022 and they have yet to provide me with all the necessary documentation I requested to verify this alleged account.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 a hard credit check was done by XXXX followed by a charge and balance amount of {$3400.00}. Called XXXX on XX/XX/XXXX was told they were reporting identity theft and would be sending out a claim information letter. 

On XX/XX/2023 a hard credit check was done by Barclays Bank of Delaware, at XXXX XXXX received an email with receipt of a charge for {$200.00}, at XXXX XXXX received a from Barclays Bank to verify if I was opening this account and replied no. 

I put a freeze on all XXXX of the credit reporting agencies
Product: Checking or savings account

I held a 12-month CD with Sterling National Bank ( XXXX ). On  XX/XX/XXXX, I received an email from Sterling National Bank letting me know that my CD was " coming up for renewal. A renewal notice will be mailed to your address on file in the near future. '' The email did not state the date of renewal. I never received the renewal notice in the mail. My husband did not receive this email - only I received this email. 

On XX/XX/XXXX, my husband received an email from Sterling National Bank letting me know that the CD had automatically renewed and containing a " Truth in Lending '' disclosure document. The disclosure document stated that the bank would allow a 7-day grace period for withdrawals without penalty following an automatic renewal. I did not receive this email -- only my husband received this email on XX/XX/XXXX, and he had to forward it to me. 

I called Sterling National Bank to ask when the CD had renewed, as I had never received the notice in the mail that was mentioned in the email sent on XX/XX/XXXX. I was informed that the CD had renewed automatically on XX/XX/XXXX. I asked why I never received my paper notice in the mail, and was informed that it was probably because Sterling 's address system did not include my apartment number ( which I had provided to them upon applying for the account ). 

I was told I could get out of the CD but would have to pay 3 months ' interest in order to do so ( a penalty of {$230.00} ). I asked about the grace period and was told that the grace period ended on XX/XX/XXXX. I informed the representative that I was not informed about the grace period until XX/XX/XXXX and therefore could not have canceled in time. The person on the line told me that there was nothing she could do and that it was my responsibility to know the dates. I informed her that I thought it was unlikely that banking regulations anticipate that retail banking customers will have better information than the bank itself. 

Sterling National Bank failed to inform me about the upcoming renewal and then failed to let me know about the grace period until after the grace period had elapsed. In fact, they never let me know about the grace period. They only informed my husband, and even then, he wasn't informed until XX/XX/XXXX when the grace period elapsed on XX/XX/XXXX. I believe they did this on purpose in order to assess fees from a retail customer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account on my consumer report. I request an investigation and permanent removal of the inaccurate account in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified and immediately remove this inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a Account Name : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, SC XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

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

I lodged a complaint with these XXXX  a month ago, but unfortunately, the inaccurate information on my XXXX  still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my XXXX. How can I be certain that they have thoroughly checked the inaccuracies on my XXXX What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these XXXX, and yet the XXXX accounts have not been updated. If this continues, I will have no choice but to take legal action due to the XXXX XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Mortgage

XXXX   XXXX  I wanted to explain our circumstances in this situation. My husband had a   XXXX   XXXX   XXXX   and we missed  one m ortgage payment. Made a deal with the bank to pay an additional {$200.00} per month. Which we did. Bank called  one day  saying they were no longer accepting our payments. My husband insisted on paying any way. The bank called again to advise they were n't accepting any mortgage payments. I asked where are the  3 pay ment I sent. The bank said they had no idea where that money was. So we did stop making payments since the bank was playing some type of game. A few months later we received a summons that they were starting foreclosure. We called the bank and they said do n't worry about appearing in court, this is just to verify we were living here. They advised us to try a loan modification, which we did. Then there attorneys contacted us with a three-month trial modification which we did. Paid them {$250.00} and them {$250.00} for 3 months to the bank. After we completed the program they said the investors decided not to go with it. We ended up in court and they were putting our house for sale. The judge advised us that we were suppose to answer the compliant. He considered the situation we were in and gave us 30 days to answer the complaint. We tried to handle it ourselves. We provided the copies of the  three checks that PNC had lied and said we did n't pay. Thinking this would be enough proof that PNC  lied. But it was n't and the judge ruled in their favor. Went to legal aid and they addressed our situation and we won. We then hired our current attorney,  XXXX   XXXX  had a trial and won the judgement. He advised the bank gets nothing. A new case was started without an appeal.  PNC just passed up the appeal process. PNC  's lawyers knew we had the checks where they said we defaulted. So then they changed the default date to  XXXX . Our lawyer addressed this to  XXXX   XXXX  the different dates. However all these lies did n't matter to her.  PNC  is involved in fraudulent foreclosures, the judge is aware but is bias to us and is reselling our house  XXXX / XXXX / XXXX . We won the first judgement and  PNC st ill does n't have proof of the right to foreclose on us as they are not the legal server of this note. We are being denied our constitutional rights and double-jeopardy is being used against us. We are in desperate need of help.    XXXX   XXXX   XXXX  XXXX  XXXX   XXXX  Case #  XXXX  won judgement  XXXX   XXXX  new  one PNC  still does n't have the legal right to foreclose but Judge  XXXX   XXXX  is allowing it Reported her to the Chief Judge and he advised all his judge are fair and follow the law Obliviously he is n't going to help us