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

I am filing this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to remove an unauthorized inquiry from my credit report. Despite my repeated requests, Equifax has not provided verifiable proof of authorization for an inquiry by XXXX XXXX, dated XX/XX/XXXX. This inquiry lacks a permissible purpose under the FCRA, and Equifax 's refusal to remove it is a violation of federal law.I REPORTED THIS CASE TO THE FTC THROUGH REPORT NUMBER XXXX, DATE XX/XX/XXXX XXXX. Initial Request to Equifax : I requested proof of authorization, such as a signed document, to verify this inquiry. Since no proof of my authorization exists, I requested immediate removal. 
2. Complaint to the CFPB ( Report # XXXX ) : Due to Equifaxs lack of response, I filed a complaint with the CFPB on XX/XX/XXXX. 
3. Equifaxs Response to the CFPB : On XX/XX/XXXX, Equifax responded, stating that inquiries are factual records that must remain on file for two years. However, they failed to provide specific proof of authorization for this inquiry.

Violations of the FCRA by Equifax : Under the FCRA, unauthorized and unverifiable inquiries must be removed. Specifically : Section 604 ( 15 U.S. Code 1681b ) : Requires a permissible purpose for accessing a consumers report. Equifaxs inability to provide proof of authorization violates this requirement.

Section 611 ( 15 U.S. Code 1681i ) : Mandates the removal of unverifiable information upon dispute, which Equifax has failed to comply with by not validating the inquiry.

Section 609 ( 15 U.S. Code 1681g ( a ) ( 1 ) ) : Requires that a consumer be provided with verifiable proof of authorization upon request, which Equifax has not provided.

Given Equifax 's lack of compliance, I demand either verifiable proof ( a signed contract ) authorizing this inquiry or its immediate deletion. Failure to resolve this matter within 30 days will result in escalation to appropriate legal channels to ensure accuracy in my credit report. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A section 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
Product: Credit card or prepaid card

I notify my cc company and the company that the charge came from on XX/XX/XXXX about a charge that appear on my statement for XXXX both company reviewed the case and the charges were reviewed and finally they both removed the charges. My XXXX statement showed that I had received a credit for XXXX and that left me with a XXXX  bal. On XX/XX/XXXX I purchased Airlines tickets and on that very day the XXXX charged reappeared on my cc balance alone with the tickets and. I contracted the cc company about the charges reappearing back on my balance that was remover in XXXX and after talking with 3 assoc I was told that the charges could not be removed again.
Product: Debt collection

XXXX has reported us twice under two different accounts - XXXX {$290.00} XXXX {$290.00} After logging in their website - neither account number entered showed a balance! After spending an hour on the phone they said that the account XXXX is " inactive ''. This has negatively impacted our credit score. They also refused to issue a letter stating that this was a duplicate. We are refinancing and need this to be do in a timely manner. What recourse do we have for the 2 different entries on our credit? 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I sent XXXX XXXX a letter regarding account XXXX asking to verify and validate account. I was notified that the account was verified but no proof of documents in original form with signatures. and no proof of a fair and thorough investigation per the FCRA.
Product: Debt collection

On XX/XX/XXXX, I received a " Reduced Balance Opportunity '' dated XX/XX/XXXX from Convergent Outsourcing Inc. via regular mail. It referenced the following : Creditor XXXX, XXXX, Client Account # XXXX, Convergent Account # XXXX, Reduced balance Amount {$520.00}, Total amount owed {$1000.00}. " The account referenced above has been placed by XXXX with our office for collection. We have been authorized to accept payment of 50 % of the total amount owed, which is {$520.00}, in exchange for which XXXX, XXXX will recall your account and cease all collection activity. If you are interested in taking advantae of this offer, call our office within 60 days of the date of this letter. Please note that this is not an offer to accept 50 % of your debt as payment in full, but an offer for XXXX, XXXX to remove your account from further collection efforts. We are not obligated to renew this offer. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector ''. First, it arrived almost 3 weeks after the date of the letter and via regular mail. Second, it provided no explanation of the claimed debt owed. Third, it did not notify me of my rights. On XX/XX/XXXX, I wrote a letter to them asking them to send me proof of the debt, including the original agreement with my signature, a complete detailed itemized statement showing all transactions made on the account and all correspondence related to the account and proof that I was properly notified of this debt with supporting documentation sent via certified mail. I asked that if they can not provide me with all that information, that they nullify it and notify all financial institutions and credit reporting agencies and remove all negative reporting in connection with it. On XX/XX/XXXX I received via regular mail a letter stating that they completed their investigation and the debt is valid and attached a copy of a partial monthly statement dated XX/XX/XXXX. None of the supporting documentation of proof of ownership was attached. In addition, at the same time they sent me the first notification, they notified the credit bureaus that the account they claim I owe was opened on XX/XX/XXXX, that the account status is Open. As a result of this, my credit scores dropped approximately 25 points. This was before I even received the first notice from them. I find these practices unacceptable and harmful and inappropriate and they don't seem legal to me. Anyone could have come up with a copy of a bill and try to scam me. I am not accepting ownership of this " account '' and I will dispute it and pursue legal action if they do not remove this negative reporting, stop harassing me and causing me financial harm ...
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an error in the payment history of XXXX of my accounts. The report falsely indicates that I made a XXXX late payment to XXXX XXXX XXXX XX/XX/year> XXXX when in fact the payment was made on time. It is imperative that all consumer credit agencies adhere to the Fair Credit Reporting Act ( FCRA ) and accurately report information. I have attached a copy of my report to support this complaint. I request your prompt investigation into this matter and the correction of the payment history for this account. Thank you for your attention and swift action regarding this issue.
Product: Credit card or prepaid card

Saying that it will not allow me to connect my account the to the app
Product: Debt collection

In XXXX, 2019, I received a letter from XXXX XXXX , XXXX, which stated that they represented XXXX, XXXX in an overdue bill for {$300.00}. I immediately called XXXX, and they tagged the account as fraud. In XXXX, 2019, I again received a letter from XXXX which asked for additional documentation about the account. I replied by email that I had not made any charges to XXXX, that I did not know what the charges were for or when they had been made, and that I could not provide more specification information. On XXXX, 2019, I received another letter from XXXX  with an attached letter from XXXX. The letter listed an account in my name and using my address but with an email address I had not opened or used and did not recognize. I followed the action plan on the IdentityTheft.gov website. On XX/XX/XXXX, I recieved a notice from another collection agency, MRS BPO , LLC, indicating that my failure to dispute the debt within 30 days would result in MRS declaring the debt valid.
Product: Credit card or prepaid card

Hi my credit report shows US bank account I have never authorized anyone to open an account with US bank I have called them to let them know that I am a victim of identity theft, however they haven't done anything. I need US Bank to delete this from my records and report accurate information to all 3 credit reporting agencies.
Product: Debt collection

I recently viewed my credit report for XXXX. I notice U.S Collection West was being reporting twice for 2 different accounts. I disputed and asked them to send me variable proof that this debt is accurate, instead I received two letters just giving me a break down of the debt, nothing with my signature, nothing stating that they purchased this debt. And on top of that I never received notice after they purchased these items to allow me time to dispute it before impacting my credit. 




FDCPA Section 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...

( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector ...
Product: Student loan

I have roughly {$320000.00} in student loans. I applied to consolidate my loans and enroll in the SAVE plan WELL before the federal court injunction date of XX/XX/XXXX that paused the SAVE plan. My consolidated loan was disbursed on XX/XX/XXXX. However, MOHELA did not " receive '' my SAVE application until XX/XX/XXXX even though the consolidation and SAVE application were submitted together. Because this was 2 days after XX/XX/XXXX, they told me that this was the reason I could not be placed in the general forbearance that all my colleagues have been placed into where interest does NOT accrue while in forbearance. Initially, I was automatically placed in the standard repayment plan and started getting hefty bills. I was able to reach them a couple of times around XXXX but they said there was nothing they could do about my situation except place me in a processing forbearance where payments were in deferment but interest continued to accrue. To this day ( XX/XX/XXXX ) I have had daily interest accrual on my loans and have paid over XXXX in trying to keep debt down. Meanwhile I have been told financial counselors that all applicants to the SAVE plan should be in the general forbearance without interest accrual. But nothing has changed on my loan status. I am a busy XXXX XXXX XXXX and don't have the luxury to keep calling MOHELA to wait for 1.5 hours on hold to speak to someone there. I feel completely in the dark about what is going and that I am being taken advantage of in this situation.
Product: Checking or savings account

Hello my name is XXXX XXXX I get XXXX and money is disappearing out of my account I get a certain amount and before I could even get to the atm money was missing so I left a certain amount that dissapeared last 4 5 months someone is taking money I dint know what to do but I'm positive I'm being stolen from can you help XXXX I just want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has not updated current credit balance and payments information since XX/XX/2022, and this is negatively impacting my credit reports and scores. They have also not provided the contracted rewards amounts on these cards since XX/XX/2022. 

I have asked the company to correct these issues. My email and their response is pasted below. 

The company claims that a " planned upgrade '', which was not announced in advance to its customers and prevented viewing of account information, ability to view and pay bills, and any contact with its representatives for several weeks, continues to impact their ability to provide current information to credit bureaus. 

I believe this is an unfair and possibly illegal business and credit reporting practice. My credit scores and utilization amounts have been negatively impacted for over three months. 

From : Comenity Bank Sent : Friday, XX/XX/2022, XXXX XXXX XXXX XXXX XXXX To : You Subject : Re : Credit Bureau Reporting Message ID : XXXX I ' m with Comenity Bank, which handles your Visa account. This card is issued by Comenity Bank pursuant to a license from XXXX XXXXXXXX XXXX. I'm here to help with your account needs. 

Please accept our apologies for any inconvenience you've experienced. 

I can appreciate your credit report is important to you. Because of a recent system upgrade, we have chosen not to report account updates to credit bureaus at this time, Rest assured, this is our top priority. We expect to provide an update to the credit reporting agencies within two billing cycles.

We report your account status to the credit bureaus every 30 days. 
Please allow up to 45 calendar days for the credit bureaus to update your credit information.

If you have any questions, please click the reply button. 


Sincerely, XXXX XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, My credit reports are showing that you have not reported my payments in the past three months. XXXX XXXX  account shows a {$970.00} balance due when the actual balance due is {$0.00}. 

This is negatively affecting my credit utilization rating. 

Please correct this error immediately. 

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

I reviewed my credit report and I found fraudulent personal information and hard inquiries on my credit report. See attached document
Product: Credit reporting 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. 

XXXXXXXX XXXX : # XXXX XXXX XXXX XXXX  : XXXX has violated my rights. 

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 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.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I was a student working full time and going to school so I was just getting by paying bills. I would be charged crazy over draft fees of {$35.00} every time I went over. And by over I mean a {$1.00} at most {$10.00}. They opened a cash rewards with my debit card that I had no clue about until I looked on my app one day and thought it was kind of weird. I had a credit card with them. My limit was {$500.00} and all of a sudden it went up to {$5000.00} in two weeks. I had to pay {$8000.00} because of the interest that would be made on it after using that money. My checks would deposit late. I dont remember dates but I have been out of a lot of money because of all of this.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was very unfair and very deceptive, as they didnt comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA XXXX and Regulation E. These actions haves caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

I have a payment plan with Associated Bank aka Elan financial on a credit card I was behind on over 2 yrs ago. Set up XXXX a month auto deducted from checking. Have been paying for over 2 yrs. They have put 30 day late payments with all XXXX credit bureaus for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 XXXX 2015, XXXX 2015 even though XXXX is auto deducted from my checking monthly. I have contacted them. They refuse to delete. I sent them copies of my checking where this is being deducted. They still refused. I notified XXXX, they still refused to take care of this. I disputed with XXXX and XXXX ... .and Associated/ Elan told them the lates are correct even with copies of my checking where this is deducted. I need these lates removed immediately. It is hurting my credit score. I need this removed from all XXXX credit reports. They are reporting to each c bureau that I have been 30 days late for these months and then at the bottom it shows XXXX a month payments for these months. I am trying to purchase a car. Thank you for your help. 
XXXX XXXXXXXXXXXX
Product: Debt collection

This debt occurred when I moved out of the home I lived in with my husband. Apparently he rented the home for two years and the renter used my information to set up a XXXX XXXX Account using my personal information obtained by mail from the mailbox. I filed a fraud complaint with XXXX XXXX and submit a notarized affidavit however XXXX XXXX replied stating they were not going to remove my responsibility from the debt. I was in the process of filing a civil lawsuit when the added the collection to my credit file and causing my credit rating to drop by 34 points. I was in the process of purchasing a home which has now bern put on hold,
Product: Debt collection

I just received a notification from the credit bureaus that Credit Collection Services is reporting a collection to the credit reporting bureaus in the amount of {$480.00}. I have never entered into a contract with Credit Collection Services neither have I ever received anything from this company in reference to a collection and this is in direct violation of 1006.34 Notice for validation of debts. Please either provide a copy of the certifed notification of debt sent to me via mail and with my signature or Please remove this collection account from my credit reports immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that I have provided to them that was identity theft and the fail to remove them they are XXXX XXXX XXXX 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 XXXX. These accounts are not mine and are identity theft I have sent multiple letter to XXXX to remove them but they continue to list on my report. My identity theft report number is XXXX.
Product: Mortgage

Loan was with PHH/XXXX  for servicing without a payment missed in 5 years. I was furloughed in XX/XX/XXXX due to COVID, submitted forbearance paperwork to PHH and was approved. started work again and needed more time to come back to full payment ability and was approved for temporary repayment on XXXX. I made the XXXX payment, was told PHH will contact me to manually make the payment for XXXX, no call came. Instead my loan was transferred to XXXX XXXX, another subsidiary collector of XXXX. My loan was reported delinquent which dropped my credit score over 100 points but was rectified by PHH. XXXX told me nothing would be available on new loan until appx. XX/XX/XXXX, when I called they had no idea about the payment plan, I emailed my letter from PHH that day. I followed up again the next week with the statement that they never received/not in file, and same until today. The document has been emailed to their servicing department with my loan # in subject line 2x at this point, faxed as well, and emailed to the 'designated rep '. I have yet to receive a confirmation of receipt, and an honoring of the approved repayment plan by PHH Mortgage. I am being prayed upon to make the full payment in all communications by the servicer, and this does not feel right. I am a borrower with a perfect payment history, placed on an approved payment plan due to being laid off during a global pandemic, and now I am being given the runaround by a subservicer.
Product: Credit reporting or other personal consumer reports

" I am a victim of a data breach and identity theft. 
Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2. Please find the attached FTC reports and other relevant documents.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX - Date Opened XX/XX/year> - AMOUNT {$180.00}
Product: Debt collection

To whom it may concern, I am writing to delete the following information in my file : XXXX XXXX It shows that this account was opened in 2015. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted TransUnion they have 20 inquiries on my credit file that Ive asked them to remove. Im unaware of this information being on my file I do not approve of it and want it removed as soon as possible. I just was released from prison. With no credit history or information Ive tried calling and contacting them but I believe due to the covid 19 I cant get through. Please help.