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

I am filing a complaint again Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite the submissions, Equifax consistently responds within a 24 hour time frame stating that the account is accurate, without providing any evidence of a thoroughly investigation being done. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16 81i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding File No. ( 2025-CFPB-2002 ) against them for similar violations. I request thats the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the Accounts that Ive marked Inaccurate Accounts are as Follows : XXXX XXXX Account number XXXX XXXX Bank Account number XXXXXXXX XXXX XXXX account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained A XXXX XXXX secured credit card at a young age at a time I was not financial literate or responsible thus resulting in me over spending and allowing the account to go to collections. On XXXX XXXX I went into a branch and spoke with a woman who stated that if I paid it off in full it would not only close but it would also be removed from my credit. 

As I apply for new credit cards in almost XXXX  with the credit score of XXXX I am frequently denied for this account even though it was paid in full and closed. I have reached out and spoke to them directly and they are stating they will not remove the account.
Product: Mortgage

In XX/XX/XXXX I was transferred from North Dakota to Texas and put my house on the market. We signed a contract on XXXX XX/XX/XXXX and the buyer applied to assume my VA loan. We were told it would take 90-120 days for an assumption to be approved. It was XXXX XX/XX/XXXX before we heard from an underwriter at Freedom ( we were previously told the entire assumption process would take between 90-120 days ), she stated she would keep us informed as the process advanced. On XXXX XX/XX/XXXX we heard from her again stating it would be approximately another 29 days for the initial underwriting decision and she would keep us updated, she also reminded us that assumptions take 60-90 days to complete once the initial borrower packet is received. The initial borrower packet was submitted on XXXX XX/XX/XXXX and had already surpassed that time frame. We next heard from Freedom Mortgage Assumption Dept on XXXX XX/XX/XXXX, from the second underwriter, stating approval had been received, so we assumed we would be closing shortly. On XXXX XX/XX/XXXX my realtor in North Dakota emailed me and stated the lender had contacted her and I must forfeit my VA eligibility at closing. I disputed that fact and the next day Freedom Assumption Department reversed that decision. We heard nothing from Freedom Mortgage Assumption Department until XXXX XX/XX/XXXX when the third underwriter was assigned. Despite several emails and phone calls that went unanswered from myself, my ND realtor and the buyer. This underwriter requested some more documentation from me. It's now XXXX XX/XX/XXXX and a fourth underwriter has been assigned and we still haven't closed on the house.
Product: Debt collection

XX/XX/XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call  American mediation  with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Today i received an email from experian in regards to my dispute for re-investigation sent off on XX/XX/2022 requesting for account removal and proof of verification due to this account not being mine. Experian is violating my rights to providing accurate reporting and not providing proof of this account being mine nor have they provided anything. Credit reporting laws make sure that the bureaus are reporting only 100 % accurate credit information found in FCRA 611 ( a ) ( 6 ) and ( 7 ) as well as 15 U.S.C. Sec.1681i ( a ) stating if proof is not provided the account disputed must be deleted. Experian has not done so nothing was provided that i requested ( no documents, my signature, ID, an agreement and ect ) or evidence at all. as seen in the attachment. there wasn't nothing done at all about this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian asking for verification of account : XXXX # XXXX. I just received a notification from my credit monitoring that this account was updated from showing lates for the month of XX/XX/XXXX and XX/XX/XXXX. The update reflects no lates on the account currently. This has taken place in the past then the lates were added. also this account shows open XX/XX/XXXX which is inaccurate, discharged through chapter XXXX bankruptcy which is inaccurate. They also reflect that the status was updated XX/XX/XXXX. Theres no monthly payment amount and the current balance is not reflecte.
Product: Vehicle loan or lease

I am filing this complaint against XXXX XXXX XXXX regarding its unfair and predatory lease policies, specifically its refusal to allow the removal of a co-lessee without requiring full lease termination and vehicle surrender. 

Key Issues : 1. XXXX XXXX XXXX XXXX XXXX Hardship Despite Good Payment History I have never missed or been late on a single lease payment, yet XXXX XXXX refuses to allow me to remove the co-lessee from the lease agreement without forcing me to pay off the full remaining balance and surrender the vehicle. 

This policy is financially punitive and unjustified, as requiring full payoff eliminates any financial risk to XXXX XXXX, yet I am still forced to give up the vehicle. 



2. XXXX XXXX Directs Me to Dealerships That Only Try to Sell a New Car When I contacted XXXX XXXX for options, I was told to work it out with the dealership. However, the dealerships only response was pressuring me to buy a new vehicle rather than providing any legitimate solutions. 

This creates a predatory cycle where customers are left with no option but to incur unnecessary costs or enter into another financial agreement with XXXX. 



3. Lack of Transparency and Consumer Flexibility Most auto financing companies allow for lease transfers or co-lessee removals, especially when the remaining lessee has a strong payment history and financial stability. 

XXXX Finances rigid policies trap consumers in financially damaging situations, effectively forcing them into more debt rather than allowing reasonable financial adjustments. 

XXXX XXXX employees told me multiple times that a lease could be transferred to me but refuse to initiate the transfer. 

This practice is unfair, financially exploitative, and inconsistent with industry standards. I request that the Consumer Financial Protection Bureau investigate XXXX XXXX leasing policies to ensure compliance with fair consumer finance regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting three accounts on my credit that can not be validated and do not belong to me. I have disputed this on numerous occasions, on dates : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ''. The first account is under XXXX XXXX with account number " XXXX ''. The second account is under XXXX XXXX with account number " XXXX ''. The third account is under XXXX XXXX with account number " XXXX ''. The other credit bureaus have deleted the accounts once they verified the information was not mine and I am including the confirmation letters of the deletions in this complaint. See Attachment. How and Why is Equifax getting a different outcome for the same investigation the other two credit bureaus initiated? XXXX and XXXX deleted the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and saw several accounts were reporting that I didn't give consent to be reporting. I have some inquiries and a collection account that reporting that's inaccurate so I wrote to XXXX, Transunion, and XXXX on XX/XX/XXXX to investigate the accounts. Its been over 30 days and I haven't got a response from either bureau with any updates about the investigation results so I mailed out another letter XX/XX/XXXX that demanded a comply because at this point my consumer rights are being violated.
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report today, and I have no clue why theyre there. My usual check of my credit report turned up discrepancies that Ive never seen before. I refreshed the browser to see if it might be a technical error, but the incorrect accounts were still there. This situation has left me deeply unsettled, and Im asking for a thorough review of the documents Ive submitted to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been opened or made in my name. Pursuant to XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the following fraudulent accounts and inquiries from my credit report immediately. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

TRS recovery services, INC. sent 3 separate notice of unpaid electronic transfer from telecheck services stating I had stopped payment on XXXX checks. No account or bank information was provided. I do not use telecheck and I have never written checks to the retailers identified in the letter. I checked with my credit union where I have my only checking account and no bad checks had been written on my account. I have sent notice via registered mail to TRS that I did not write these checks and that I will not give them any personal information as the letter states it will be used to recover the debt. They are continuing to call. I assume I may have been a victim of identity theft but I do not even have enough information from TRS to check on it. No bank name or location of where these supposed checks were written.
Product: Checking or savings account

Chase Bank Claims refused over {$750.00} dollars back into my account when merchandise never arrived or wasn't delivered or damaged goods
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 my mortgage company XXXX XXXX XXXX XXXX ) tired to charge my bank account using auto pay and due to an error on the bank ( that just got purchased by another bank and was making changes that caused issues ) my lender did not report to me that payment was not accepted by the bank until after 30 days, at which point they have already marked my credit report with a 30 days late issue. 

I have then resolved this issue with the bank and the lender which reinstate my account to good standing but apparently did not correct the 30 days late in the credit report. I discovered this a year later when I got my credit report. I ask them to correct this, and they said I can only fix it by asking the credit agencies to correct it via a dispute. I have submitted a dispute and got a response back from XXXX and XXXX. Both reports indicate that something was corrected but do not indicate what it is, but also indicate that the 30 days late item was not corrected but did not explain why. 

When I asked them about it both told me to go back to the lender and have them fix it but the lender says no, the credit agencies have to fix it. They are both refusing to help.
Product: Checking or savings account

On XX/XX/2018 my Chase debit card had an un authorized transaction in the amount of XXXX, which I reported that same day that it happened. I told my bank that I work In XXXX XXXX and that I had been in XXXX XXXX all day that day, The transaction took place in XXXX XXXX. They told me that after they did there fraud analysis that it did not seem like fraud to them, so I appealed there decision. I gave them proof that I work in XXXX XXXX as well as game them my HR phone number, and i even included a pay statement showing that I worked my full 40 hours that week. They has me call the vendor were the unauthorized transaction was made, the vendor told me my bank has to deal with it not them. Then I went and filed a police report since I do not know what else to do, since I was no where near XXXX XXXX that day and I should not have to loose my money.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts listed on my credit report this morning, and I have no idea how they ended up there. I regularly check my report, but this time I noticed unexpected discrepancies. This has been extremely distressing, and I urge a thorough review of the documents I provided to ensure that such issues dont happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name : # XXXX XXXX XXXX XXXX  Account name : # XXXX Account name : # XXXX XXXX XXXX XXXX Account name : # 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 ) Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Debt collection

Had a balance with a XXXX XXXX XXXX 's office, for an oral examination of my right front tooth, on XX/XX/2021. I received a letter sometime in XXXX asking for {$92.00} for my visit. Emailed and called his office many times, trying to pay my balance. On XX/XX/XXXX I finally got in contact with someone from his office and paid my balance of {$92.00}, with my credit card. Someone from a Bay Area Receivables contacted me later that week asking for payment for XXXX XXXX 's office. I told that person I had already paid my bill and I was told money was still owed to the collection agency. Informed them to take the matter up with XXXX XXXX 's because they hired them and accepted my payment. I knew nothing of the collection agency 's agenda till after I had settled my balance and did not appreciate the phone calls to my personal phone. This matter is between XXXX XXXX 's XXXX and Bay Area Receivables. I did not agree to pay for, nor did I receive any services. My account is paid in full to XXXX XXXX. I have a credit card statement to prove it.
Product: Credit reporting or other personal consumer reports

I attain a car loan on XXXX from XXXX XXXX XXXX and never miss any payment up too XX/XX/2023 when this car got stolen and at that point I stop paying and filed a police report and a clam on this matter, but this bank continue too hit my credit as late payments and this car is no longer in my possession. NOTE : 15 U.S. code 1681, 1681b & 15 U.S. Code 1666b stating facts ; " Congressional findings and statement of purpose, " Permissible Purpose Of Consumer Reports '' XXXXConsumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers. XXXX. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX. In accordance with the written instructions of the consumer to whom it relates. XXXX. 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. I also want to address an issue with XXXX not removing two address from my credit report that I have made known this is not my address and they ignored me those are XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX, XXXX XXXX these are not my address!
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {$240.00}. This account has been removed from all of my credit reports multiple times, but is put back on when TransUnion attempts to sell me one of their monitoring products that I decline to purchase. 

Even though XXXX XXXX has acknowledged this account to be fraudulent and closed the account TransUnion refuses to remove it from my report.