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

Equifax has fell to provide the accurate source of information for a public record that appears on my consumer report. Equifax relies on an inaccurate source for information ; the information source is different from the Bankruptcy itself. Equifax stated US Bankruptcy XXXX XXXX verified this public record. I have attached the letter from the bankruptcy court, which in fact does not furnish nor verify public records. Under 15 USC 1681g, it is required for the CRAs to give the accurate source of information. So, that I can properly dispute the information being reported with the source. I requested the information source previously with Equifax ; in which the information was never provided. On my Equifax consumer report under Public Record Information. It states public records are obtained through a third-party vendor, XXXX. 
I have provided the letter from XXXX XXXX, which shows no public record. I am aware that Equifax and XXXX obtain public records from the same vendor, XXXX. XXXX deleted this public record on XX/XX/2022, from my consumer report. The source for this public record is inaccurate. I did not give Equifax consent to furnish this public record on my consumer report. Equifax has invaded my right to privacy. Equifax has also fell their grave responsibilities under the FCRA.
Product: Credit reporting or other personal consumer reports

I provided a transferable credit application to XXXX XXXX XXXX  in exchange for credit. However, a credit line was established of {$500.00}, and after I remit the payment the account was closed. Recently, being added to my report as non payment. Under the fair credit reporting act, XXXX  XXXX bank and Experian is in violation of : 15 USC 1681 15 USC 1681 ( b ) 15 USC 1681 ( b ) ( 2 ) 15 USC 1681s-2 In additionXXXX XXXX XXXX XXXX and Experian are also in violation of the Privacy Act of 1974 ( 5USC 552a ( b ) CONDITIONS OF DISCLOSURE.
Product: Credit reporting or other personal consumer reports

I sent a letter out to XXXX, XXXX, and Equifax. Trying to dispute names, addresses, and current job status on my credit report around XX/XX/23. I even have some hard credit checks that I didnt approve that was done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/1995 Dear Equifax Information Services LLC, I am writing to bring to your attention the violation of the Fair Credit Reporting Act ( FCRA ) regarding the refusal to delete inaccurate, unverifiable, and invalidated information from my consumer file. As per the FCRA, I demand that you delete the items listed below immediately, failing which I will pursue litigation to seek relief and recover all monetary damages that I am entitled to under Section 616 and Section 617. 

I am offering this final written settlement offer to resolve the matter amicably before proceeding with litigation. I hope you take this matter seriously and comply with the FCRA requirements. 

Please note that the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. However, you have failed to provide me with any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified.

I demand the following items be deleted immediately as they are either inaccurate, unverifiable, or invalidated : The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr DPT TREASURY Account Number : XXXX Please remove it from my credit report. 

I have no late payments made on this account. Account is paid as agreed. Please remove the late payment. 
DPT TREASURY Account Number : XXXX I expect you to comply with my request to delete the aforementioned items immediately. I demand that you take this matter seriously and comply with the FCRA requirements. Failure to do so will result in litigation in accordance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2022, I deposited a check of {$1000.00} in my chase account. After 3 days I checked my account and the funds wasnt available to use. I reached out to chase ( my bank ) to find out whats going on and I was told that, there was a hold on my account for verification purposes of the check. A week later, the funds was still unavailable to use. I reached out to chase again and I was told that they havent verified the check yet. 3 weeks later after talking to plenty of representatives with different stories, I was told my account had been closed. Chase told me that theyre not obligated to tell me why they close my account. They locked me out of my account and everything. During that time my, account was - {$270.00} but because I deposited the check, my remaining balance was {$680.00}. It is now XX/XX/2022 and chase is holding my funds. because chase is being negligent with the situation, I am unable to pay my light bills and some leftover rent I have to pay. I can not express the amount of stress this situation has caused me for me for the past 5 weeks and ongoing. I havent been able to find a resolution to this stressful issue. Ive talked to at least 20 representatives, from associates to supervisors. Please help!
Product: Debt collection

I recently noticed XXXX XXXX on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of Lendmark financial. This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.
Product: Mortgage

Loan statements would come in mail on the XXXX or XXXX of each month giving us time to send check on the XXXX for a mortgage due date on the XXXX of each month. 

Now loan statement comes on XXXX or XXXX of month not giving us time to send check for due date on the XXXX. 

Seems Loan company wants, in my opinion, us to do auto payment or paperless billing. 
Why the change in receiving our loan statements? Had to mail check without current loan statement again for XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given the option twice by the XXXX to terminate my account due to the lack of service provided by them. I accepted but they continued to charge me and never terminated the contracts as specified and offered when I accepted the offer in 2018. They turned around and sold the account to a debt collections agency, I denied the account due to the agreement I had accepted with XXXX. Now the account has been bought by another debt collector whom has never offered to settle, negotiate or even submitted a request for information on the account. They have just reported the account on my credit and I have disputed it and it was immediately denied within 24 hours and deemed accurate even though XXXX has recorded conversations of the offer of termination of account without penalty and acceptance. DIVERSIFIED ADJUSTMENT continues to violate the FDCPA rules and regulations regarding validation and accuracy of debt. 
They are facing legal action by federal suit unless this is taken care of immediately and removed from my credit.
Product: Debt collection

I have recently been informed that there is negative information reported by Discover in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$1900.00} on XX/XX/2020. Discover has failed to validate this information and provide me with copies of any documentation associated with this account, bearing my signature.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns reguarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial instituion and Zelle failed to investigate my claims adequately. They informed me that recovering my lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/22 my father died and was buried by a young woman he knew. Who was not my fathers child, and was not a care giver. and after his death used his atm card spending his military pension in the total amount of {$5200.00}. I am his ( XXXX XXXX XXXX his legal daughter incharge of his estate. I Contacted the M & T Bank there between XXXX. They requested a police report for a fraud case. Reported XX/XX/22. It has been almost a year and I still havent received a satisfactory response.
Product: Credit reporting or other personal consumer reports

My identity was recently stolen, i checked my credit report and this fraudulent account by the name of XXXX XXXX XXXX XXXX XXXX is a result of that. ( Account number is XXXX ) It does not belong to me. please help me remove this. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the Fair Credit Reporting Act. 

I have already filed complaints against the creditors listed above with the XXXX XXXX in their XXXX  as well as with other pertinent and applicable law enforcement entities.
Product: Credit reporting

I am writing as a last ditch effort to gain some assistance and hopefully you will be receptive to my issue. I am in the process of purchasing my first home. I have a serious barrier that I am facing which are XXXX Paid/Release Georgia State Income Tax Liens on my credit report. When I first received these liens I was XXXX years old and going through a divorce which caused me to suffer financially as I was also attending XXXX school at XXXX XXXX at the time, while working full-time as well. Since then I have been working hard by myself to repair the damage this divorce caused me so that I can purchase my first home on my own. Georgia, unlike the IRS Fresh Start Program and several other state agencies, does not have a process for withdrawing paid state tax liens from individuals credit and will also not withdraw/expunge the paid tax liens based off goodwill. Rather, even though they are paid and uncontested, they remain punitive towards myself. Even though I am a first time home-buyer, due to my single status with no children and my income I am ineligible for any down payment assistance programs. So any help to improve my credit score is extremely appreciated so that I can qualify for a good mortgage program with my credit union and receive a good interest rate. I am writing in hopes that your office can help me along with other individuals who face this same issue. Georgia State Tax lien laws are very archaic in nature and really need to be reviewed. I have taken this up with several state agencies in Georgia along with my local representative who never responded to me. Paid tax liens should not continue to be punitive in nature as so many thing rely on credit these days and circumstances vary extensively. I thank you in advance for your time. Below I have provided the Book numbers for the tax liens I am referring to. Also attached showing they are reporting on all XXXX of the major credit bureaus and the paid and released tax liens. 

XXXX has already agreed to and completely removed these items from my credit report. 
XXXX XXXX
Product: Credit card or prepaid card

In  XXXX   2016 I conta cted several moving companies for a cross country move. The sales rep   XXXX   from   XXXX   XXXX   XXXX   XXXX   quoted me {$1800.00} and promised to throw in all the packing fees etc. I booked for  XXXX   XXXX  and when the driver arrived and moved all my belongings, he now told me my total was almost double the amount (  XXXX  $  ).  He told me to pay half the amount by c c ( chase ) ( {$1700.00} )  and dispute the following with his accounting dept.  XXXX . I did so and she promised to get back to me with a resolution. My belongings arrived and the driver demanded the remainder in ( {$1500. 00} )  cash.  XXXX  had never gotten back to me and if I did n't pay I would n't get my stuff. They held my belongings hostage and I had several missing boxes and damaged items. I reached out to both  XXXX  and  XXXX  and they avoid my emails and calls. I filed a dispute with my cc company and they dragged it along for 10 months. Finally the sided with the merchant because they picked up and delivered the items. I was a victim of a bait and switch and thier reputation apparently has scammed many people. Chase/Mc has a partnership with them that 's why they sided with them. Please help me ban them from scamming more people!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and identity theft. An individual was able to finance a car under my name using fraudulent information. I sent the police report, the written affidavit, and proof of identity to Equifax on XX/XX/XXXX. I received confirmation that F.Shavers signed for the package on XX/XX/XXXX. I have called and spoke to several people in the fraud department ; however, the item is still on my account. I am frustrated and feel victimized all over again. It isn't fair to be treated this way. I am at my wit 's end. None of the other credit bureaus are giving me a hard time except for Equifax.
Product: Debt collection

I had a private loan. Navient calls so many times. especially when Im at work. Examples of the harassment of calls coming in back to back are Today XX/XX/2022 as of XXXX they called at XXXX XXXX XXXX XXXX XX/XX/2022 XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX This goes on and on and on day after day. They have call 19 times in 4 days. This has to be illegal. They have spoken to me many times. How can they continue to harass me to this extreme.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX AND XXXX to be removed. 

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

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

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I would like an immediate removal of those items on my credit report. I have enclosed all accurate information for the credit reporting agencies to remove all negative items affecting my credit report. I have contacted both the creditor and the credit reporting agencies requesting removal due to being a victim of identity theft.
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 paragragh ( 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 the 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. There are items on my report that have different dates open, as well as different payment history and different dates of last activity on all three bureaus ... which is inaccurate information reporting to my credit profile.. 
Please remove the following items from my credit report immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This creditor is not even licensed to collect a debt in the state of Mississippi ... and I did not give them consent to report information in my name to the consumer reporting agencies... 
XXXX XXXX XXXX XXXX ( This creditor is not licensed either to collect a debt in the state of Mississippi ) XXXX.
Product: Credit reporting or other personal consumer reports

Hi I did not authorize XXXXXXXX XXXX XXXX date XX/XX/XXXX states opened balance {$XXXX} and reporting my account XX/XX/XXXX, XXXX XXXX XXXX XXXX account open XX/XX/XXXX for {$XXXX} as balance I did not authorize to charge or to run my credit and report to my credit or open an account I authorized nothing to them they keep trying to charge me for something I do not recognize I need this removed from my account this is fraudulent please help me resolve this issue. I did not authorize XXXX XXXX XXXX to charge or report or run my credit to my account they are saying I owe them a balance of {$XXXX} they reported to my account XX/XX/XXXX of XXXX I did not authorize XXXX XXXX to run my credit XX/XX/XXXX I did not authorize Bank XXXX XXXX XX/XX/XXXX. Please remove these from my account.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against GM Financial located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, GM Financial has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.