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

Subject : Failure to Conduct a Proper Investigation of Disputes and Address 1099-C Non-Issuance by Collection Agency I am filing this complaint against Equifax, XXXX, and XXXX for XXXX significant violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) : XXXX. Failure to Conduct a Proper Investigation of Disputed Information : On XX/XX/year>, I filed a dispute with XXXX regarding inaccuracies in my credit report. I explicitly requested a manual review of the disputed information due to its complexity. I provided clear supporting evidence, including highlighted copies of my credit report identifying the errors. However, XXXX used the E-Oscar system to process my dispute electronically rather than conducting the manual review I requested. This process fails to ensure a thorough investigation, as required under the FCRA. 
The response I received was vague and did not provide sufficient detail regarding the methods, sources, or procedures used to verify the disputed information. My specific questions about the investigation process remain unanswered. 
XXXX. Failure to Address 1099-C Non-Issuance by a Collection Agency : Account Name Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Despite my dispute, XXXX, Equifax, and XXXX continue to report this collection account without verifying its validity or requiring the collection agency to issue a 1099-C. This raises questions about the legitimacy of the debt and violates federal regulations. 
Key Violations : XXXX. Failure to Conduct a Reasonable Investigation : o XXXX violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a manual review of my dispute as explicitly requested. 
o The use of E-Oscar resulted in an inadequate and incomplete investigation. 
XXXX. Failure to Provide Details of Investigation : o XXXX failed to provide the methods, sources, and documentation used in their investigation, as required by 15 U.S.C. 1681i ( a ) ( 4 ) and 15 U.S.C. 1681i ( a ) ( 6 ). 
XXXX. Inaccurate Reporting and Failure to Address 1099-C Non-Issuance : o XXXX, Equifax, and XXXX continue to report inaccurate information, violating my rights under 15 U.S.C. 1681e ( b ). 
o The collection agencys failure to issue a 1099-C for canceled or forgiven debt violates IRS regulations and raises concerns about the accounts validity.
Product: Credit reporting or other personal consumer reports

Please check information concerning Equifax data breach below in attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second notice. I sent letters to XXXX, XXXX and TransUnion with no resolve yet. I asked for my name to be corrected within there system and I sent along a copy of my State ID with the correct spelling of my name. Anything else with my name misspelled should have been deleted along with the charge off accounts. This is effecting my credit and this should have been resolved.
Product: Checking or savings account

Hello, I have multiple times to call Branch to get into my account I have been on hold for over 3 hours on different phone calls and not one person answered. I emailed them multiple emails claiming that nobody is helping me get to the bottom of it. I have a balance of XXXX in the account. The branch people sent me an email of directions to fix the problem but that did not work I have done everything step by step and still no response or answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX XXXX # XXXX, XXXX XXXX  # XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX  # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX VS XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX  XXXX XXXX  # XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was one of 150 million people who had their account, social security #, potential credit card information breached due to Equifax 's inadequate protection of that information and due to their greatly delayed informing of those effected.
Product: Debt collection

There was a XXXX account made under my name in XXXX of XXXX. This was not made under my discretion nor did I open this account. I have disputed this multiple times with my bureaus but only my XXXX account has completely taken this off my credit. I have been with XXXX  for years now under my fathers account since XXXX and was switched to my own account under XXXX in XXXX of XXXX and currently still have them.
Product: Credit reporting or other personal consumer reports

I have been dealing with this nightmare because of my loans being serviced by XXXX. They screwed up my loans in XXXX and restarted the balance after I paid the loans. I went into repayment in XXXX and never missed any payments. I paid extra to pay off the loans before buying my house in XXXX. In XXXX the loans got transferred and the original balance was erroneously recorded as the current amount owed as though I had never made a payment. I went on to the defaulted XXXX loan website to get more information and the XXXX loans are shown as having a {$0.00} in their system. Yet, I can not get XXXX  to get off my credit report. According the XXXX XXXX XXXX  XXXX XXXX isn't even an approved guaranty agency for defaulted XXXX  loans. I don't owe any money from my loans incurred between XXXX.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you XXXX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Dear CFPB, I am writing to dispute inaccurate information on my credit report related to my XXXX  account ( # XXXXXXXX  ). Specifically, there is an erroneous late payment reported for XX/XX/XXXX, which does not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment reported for XX/XX/XXXX is incorrect. This account has always been paid on time through autopay. 
Violations of Federal Laws : This misreporting violates the Fair Credit Reporting Act ( FCRA ) under sections 15 U.S.C. 1681i and 1681s-2, which require accurate reporting and correction of errors. 
Account Information Account Type : Auto Lease Account Number : XXXX High Balance : {$21000.00} Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Open and Current Monthly Payment : {$580.00} Payment History : Incorrectly shows a XXXX late payment in XX/XX/XXXX. 
Requested Resolution I request that Experian investigate this matter and remove the inaccurate late payment from XX/XX/XXXX. Please provide written confirmation of this correction within 30 days. 
Enclosed are bank statements and autopay records to verify my on-time payments. 
Thank you for your immediate attention to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently purchased an automobile from XXXX XXXX XXXX and XXXX on XX/XX/year>. I went to the dealership with a certified pre-approval letter for {$49000.00}. Which I presented to the finance XXXX at the dealership. At XXXX XXXX did I agree to my consumer report to be accessed by anyone at that dealership. I already had a pre-approval and an {$8000.00}. Cash down payment. Which to the finace XXXX XXXX said there was no need to run my consumer report because I had a pre-approval from XXXX XXXX already, and my exact statement was " Thank you because I do not want my consumer report accessed because I'm trying to get a mortgage loan and any extra inquiries would XXXX that process up for my XXXX children and I, which I can not afford to happen which is why I brought in the pre-approval. " The dealership assured me the wouldn't access my report anyways without my consent because that would be in violation to the fair lending act and against the law. When I contacted Esperian consumer reporting agency to have these unauthorized hard inquiries removed they told me I would have to contact each company and ask them to remove them. I told them that was absurd because I didn't contact these companies in the first place, explained to them that my report was accessed without my explicit consent and that was a form of identity theft. Which the lady replied well hard inquiries don't impact your XXXX credit score and it will make an impact in the first few months. Well there are over XXXX hard inquiries on my consumer report for auto financing within a XXXX  day period and there should be only XXXX. The attached report from XXXX XXXX is highlighted for all the unauthorized inquiries placed through XXXX within XXXX  days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency is reporting inaccurate information on my credit report and it is keeping me from being able to obtain housing for me and my children. I sent a formal letter to them on XX/XX/2021 and I have yet to get a response. Please help me
Product: Debt collection

These collections on my credit is preventing me from becoming a first time home owner on top of that this company has threatened me multiple times After Ive explain to them that I do not know what this debt is. This company is really XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im getting deny left and right when applying with Banks to get a mortgage, My fianc is suffering from XXXX and the price of living is entirely too high To continue paying rent at the property I currently live in. Im a XXXX veteran trying to make a honest living here in the United States but this company Is placing collections and outstanding balances onto my credit which is preventing me from succeeding in life.I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. I did not authorize nor know anything about these accounts listed. these are fraudalent accounts. i know my rights. This is stopping my life please remove them immediatley .You have 30 days. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 615 ( f )
Product: Credit reporting or other personal consumer reports

Republic Finance assigned my account to XXXX XXXX XXXX in XX/XX/year> and an Execution of Garnishment was issued XX/XX/year>. XXXX has been receiving {$130.00} every other week from my employer since XX/XX/year>. As of XX/XX/year>, XXXX has been paid {$1500.00} but Republic Finance is still reporting me as being late and my balance has not been adjusted to reflect what has been paid to date.
Product: Credit reporting or other personal consumer reports

Im accordance with the fair credit reporting act convergent account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

This fraudulent, inaccurate, and false information consists of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

Vanilla Gift Card contains {$500.00} purchased on XXXX. It was never used and I kept the card till I'm ready to use it. When I tried to purchase from XXXX on XXXX, it declined. Upon checking the card balance online, a fraudulent transaction for {$500.00} was made late XXXX. I called XXXX and reported it right away to Vanilla Card. They opened up a dispute on XX/XX/XXXX and said to wait for the dispute form in my email within 24 hours. On XX/XX/XXXX, I called again and told them I haven't received the email. The agent said she will reopen the case and send a notation to back office to send another email. Today XX/XX/XXXX, I called again and no activity was done on my complaint. I did not receive any emails. The agent reopened the case again and emailed their back office. I asked to be transferred to supervisor who said the same thing. I asked for the dispute form to be sent immediately because it's already more than a month since the fraudulent transaction was made and nothing has been done about it. The Vanilla company is not helpful and has repeatedly delayed and did nothing do anything about my complaint and has not sent the dispute form which meant that they can never start the investigation and return my money until they receive that form from me. Multiple attempts and long conversations with customer service agents prove that their process in resolving fraudulent charges is subpar and puts every gift card holders at risk for never receiving their money back. Vanilla gift cards does not protect consumers against these fraud charges even when the card has been registered online. Their process for fraudulent charge investigation is time-consuming, disorganized, no dedicated trained staff to handle situations like this, and does not send dispute form immediately to try to delay the investigation making it highly unfavorable to victims. Please help me resolve this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Capital One Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. State 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 1666B A Creditor May not treat a payment on a credit card account under an open and consumer credit plan as late for any reason
Product: Debt collection

I have answered the call before I acknowledge who I was for the collection company Halsted financial services to stop calling my phone number. After I told them to stop calling my phone number they called back four times more then I acknowledged who I was to them and they proceeded to try and collect the debt that was owed to XXXX XXXX from 7years ago.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken the appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach- Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. 

On XX/XX/year> I notified XXXX XXXX that I am opting out of any and all authorizations, written, non-written verbal or non-verbal for the sharing of my nonpublic personal information with non-affiliated 3rd parties, including consumer reporting agencies for any purpose other than those necessary to provide me with financial products of services. 

I provided this opt out notice in accordance with the legal requirements outlined in 15 USC 6802, and I have retained documentation of my communication with XXXX XXXX 

Despite my efforts to request an opt out and me asserting my rights under GLBA, I have reason to believe that XXXX XXXX has continued to furnish my non public personal information to nonaffiliated 3rd parties and consumer reporting agencies without my consent. 

The unauthorized use of my personal information constitutes a violation of my privacy rights and breach of federal law. I am concerned about the potential consequences of this unathorized sharing, including the potential for identity theft, fraud, and other financial harm. 

I would appreciate it if the CFPB can investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX complies with all federal regulations and laws, including the GLBA to protect privacy and security of consumers like me. 

I would also appreciate updates on the progress of this investigation and actions taken to address the violations committed by XXXX XXXX. 

Please feel free to contact me at XXXX or email me at XXXX if you require any further information or documents to proceed with the investigation. 

see enclosed letter sent to the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am looking over my credit report and see an old late fee from XXXX. I called them back when this late fee first started and they said would take off any late fee ( s ) in terms of this matter where I had paid on the wrong day and there was some confusion on my end. I am an elderly guy. My wife has XXXX XXXX and we are dealing with Covid-19 just like everyone else. I am writing again as an act of good will that this one removal will be gone. Every time I have mentioned about this nobody seems to have on the notes from there customer service any late fee 's I had will be gone. I have been told multiple occasions this would be removed. I understand XXXX has there policy 's and I respect that. It was a mix up. All I can Is I always pay on time and been a loyal customer and with everything going on It would mean a lot to me if this late fee was off my credit report my home # is XXXX Thanks, XXXX. I really would like this to be solved and hope we can all work together during these times.
Product: Student loan

I heard Navient was over charging in student loans when is was XXXX, I have a loan from them back in XXXX-XXXX, just want it checked into.
Product: Mortgage

I received an FHA mortgage with  Countrywide in   XXXX .  Countrywide sold  it to Bank of America in  XXXX . I was in modification with BOA since  XXXX . On  XXXX  I received a real estate business card in my door that said, " your property was sold last week call me. '' I did and did not receive a call back. I called  XXXX .  XXXX  discovered that Carrington Bank purchased the mortgage from BOA in  XXXX  and foreclosed. I was never notified of any of this. I have faxed the modification documents to  BOA many times. The return date of the modification was assigned even before BOA mailed the documents. The date on the envelope was postmarked the day after BOA required the modification returned causing me not to receive them until 4-5 days after the return date. So, it was was impossible to return them by the date they requ ired. I reported this to  XXXX   XXXX .  XXXX   XXXX  could not locate their copy of the modification, so I faxed everything to her. I was transferred and transferred, and finally told that  XXXX   XXXX  no longer work ed for BOA. Many people at BOA  reported losing refaxes and receiving only part of the faxed papers causing me to refax and refax. I was transferred and transferred, and finally was told that  XXXX   XXXX  did not work there any more.   I never receiver notice of any of a resale to  XXXX  or that I was in foreclosure.. Now, strangers are knocking on my door and I am afraid.    XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 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 ; andi ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Laptop, cell phone, and wallet were stolen from a local college library. As a result, there are XXXX XXXX fraudulent charges on the credit cards in my walletat the time of this breach ( accounts and charges are outlined in this affi davit ). Additionally, credit card accounts have been hacked and the address changed to one I have no association with ( XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX ). Lastly, I reviewed my XXXX credit report and found thefraudulent address listed in addition to XXXX ' unauthorized inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). As a result of the unauthorized activity, I locked and placed a fraud alert with each credit bureau on XX/XX/2023. 

In addition to the fraudulent charges amounting to {$10000.00}, this particular credit card was opened without my knowledge or authorization. The account that the fraudulent charges are related to is under a different name and demographic information and the merchant is a sports betting entity ( XXXX XXXX XXXX XXXX