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

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

Equifax : [ XXXX, XXXX ] [ Account number : XXXX ] I challenge the accuracy, compliance and reportability of this listing. Please validate this information with XXXX, XXXX and provide me with copies of any documentation associated with this account, bearing my signature. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your re-investigation. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. 

I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt this complaint may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Remove these unauthorized inquiries EXPERIAN XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX
Product: Debt collection

FST NAT COLL XXXX XXXX XX/XX/XXXX Open $ XXXX never signed contract and reported fraud. Open since XX/XX/XXXXFIRST NATIONAL COLLECTIOXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I looked over my credit report and discovered some credit card accounts that are not 100 % accurate and information that can not be confirmed in any manner! I now understand that it is illegal for you to submit any information, data, credit cards, or collections that do not appear to be entirely true. These rules safeguard both myself and other consumers. Within These fraudulent ACCOUNTS on my credit report are a serious violation of not reporting an account 100 % accurately. For these violations, I can sue XXXX XXXX AND EQUIFAX. The Fair Credit Reporting Act states that everything on my credit report must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Once again I attempted to resolve a severe case of Fraud affecting my entire life with Capital One. 

I am a documented victim of faith, and the CFPB is required to protect consumers from the companies such as the Capital One who are violating the he Fair Credit Reporting Act ( FCRA ). Yet the CFPB has refused to take any action against Capital One for their clear and blatant refusal to follow the law ; the law the CFPB was founded to enforce. 

Around the XXXX of XXXX of XX/XX/XXXXI once again contacted Capital One concerning the fraudulent account they have in my name. At first a representative stated something about the dispute being closed due to " pictures being found ''. When I had the representative transfer myself to the department who could supposedly tell me more about those pictures the representative from said department ( XXXX ) changed the story refusing to address any mention of such pictures. 

She would then claim, lying, that Capital One has repeated refused to address this fraud because we had " never sent in a police report '', and if we sent one in it would be resolved. This is a lie, for the CFPB 's records has clear and undeniable evidence that I have submitted such police reports multiple times. Again, the CFPB has clear and undeniable evidence that Capital One is knowingly violating the FCRA in it's own records. 

I relented and allowed XXXX to once again send me a Capital One secured-link to reupload the police report. XXXX of Capital One 's Fraud Department who is assigned to handle such cases gave me a clear time frame to upload said documents. I informed her I would. However, I just received a letter signed by XXXX dated XX/XX/XXXX stating she " found no evidence of fraud '' and therefore the continued hindering of my and my daughter 's ability to have a home and improve my life will continue. It is clear XXXX and Capital One never had any intention of investigating anything as she never even looked at the evidence provided for she had never received it nor had she even thought to wait until the time frame had elapsed before ignoring the matter. 

There is no longer any doubt that Captial One is violating the FCRA and consumers rights and I am certain you have plenty of cases of consumers who are being hurt by Capital One 's abusive. We demand to reached out by phone by the CFPB legal department to discuss this matter.
Product: Mortgage

Back on XX/XX/2021 through XXXX, I found Semper Home Loans that was offering a competitive refinance rate of 2.375 % for a 30 year fixed mortgage. They sent me a list of paperwork that they needed to secure the loan and I responded with everything they asked for within 5 days. I have nearly 60 emails from the four loan originators that I have been dealing with to prove the timeline and delays on their part submitting my information to the underwriters. These delays have now allowed them to claim that the rate lock has expired and that rate is no longer available. 

How can a mortgage broker be allowed to advertise a rate and then simply use delay tactics to run out the rate lock that causes a substantial loss in the tens of thousands to me over the course of the loan. 

I'm not sure how much documentation you will need at this point, so I will wait to here back from you before deluding you with files and emails. 

The last person from Semper Home Loans that contacted me was : XXXX XXXX Senior Loan Organizer NMLS # XXXX XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, RI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance With the fair credit reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXXEquifax after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was an Account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus last January 20, 2023. I believe they have failed to authenticate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that this XXXX XXXXXXXX Balance : {$1300.00} this late payment will be removed.
Product: Credit reporting or other personal consumer reports

illegal hard inquiries and use of my Social Security Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for failing to properly investigate the inaccuracies on my credit report, despite my numerous attempts to resolve this issue. Each time I dispute an item, I receive a response within 24 hours stating that my account is " correct and accurate, '' with no supporting evidence or explanation of the investigation process. This practice is not only frustrating but also a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies like Equifax to conduct thorough investigations of disputes, report the results to the consumer, correct any inaccuracies found, and ensure that the information reported is accurate and up-to-date. Your company 's failure to provide proof of an actual investigation and merely dismissing my disputes without substantiation is a clear breach of these obligations. Furthermore, this behavior is contradictory to the Consumer Financial Protection Act, which mandates that credit reporting agencies take adequate steps to ensure the accuracy of the information they report, particularly when there are concerns about fraud or data breaches. Given that my personal information may have been compromised due to a data breach and fraudulent activity, your company is required to remove any inaccurate or unauthorized accounts from my report. Instead of providing meaningful action or evidence that a proper investigation has been conducted, your responses continue to disregard these concerns, showing no regard for the protections offered under these federal laws. I request that the CFPA take immediate action to ensure that all inaccuracies related to my information are removed from your records and that Equifax is held accountable for these failures. Additionally, I demand that any accounts impacted by a breach or fraudulent activity be removed from your database immediately.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit card or prepaid card

I paid my Wells Fargo Micro Center credit card in full in XXXX, but they charged me interest of which I was unaware until I tried to use the card in XXXX. I asked them to rescind the charges, but they refused to do so. It was a paltry amount of money, {$27.00}, which I paid to appease them. My Credit Score has been negatively affected due to this, as I see it, fake interest charge and negative reporting on my credit. I spoke with a man named XXXX with Wells Fargo to dispute their negative reporting, he took my complaint and submitted it, however, he is unaware of the CFPB or what its real function is. He said that it will take ten days or more to get an answer by mail regarding my complaint.
Product: Debt collection

TransUnion has this XXXX debt of my credit report and according to Violation of 15 USC 1681b ( 2 ) Permissable Purpose and violation of 18 USC 8 Violation of HJR 192 and Public Law 73-10, I XXXX XXXX XXXX also doing business as XXXX XXXX XXXX also the creditor did no give consent to TransUnion to put that debt on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet.Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Anytime I try to request my Experian credit report from  annualcreditreport.com, I  receive the following error : A condition exists that prevents Experian from being able to accept your request at this time.     I 've attempted to request it multiple times over the last year, being met with the message each time. I have had no issues requesting my report from the other agencies, and do not have any additional security measures in place. A quick look online yields that many others have run into the same problem, specifically with Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX placed on to my account that is not mine. I have been a victim of identity theft, I have contacted this company multiple times and they have yet to correct this issue.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> and XX/XX/year> Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Discrepancy in Payment Posting : I made my payment on time ; however, XXXX XXXX delayed posting the payment to my account. Attached is the bank statement showing the exact date the payment was made and processed. The late payment was not due to any fault on my part but rather an internal processing error by the creditor. 

First-Time Issue : I have consistently made all payments on time for this account prior to the disputed late payment. The late payment does not accurately reflect my history as a responsible payer. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

American Express has been unfair and unequitable to me as a consumer. Twice already they have been utilizing predatory practices resulting in economic and personal loss by continuously lowering my credit limit causing distress and financial harm by affecting my overall credit with other lenders. American Express bills me a $ XXXX yearly fee and then pressures me by utilizing predatory practices, they are pressuring me to make payments ten times over the monthly required payment or risk lowering my credit limit. This bulling practices is without merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are different name and different address on my Credit Reports and are incorrect
Product: Debt collection

Im been asked to pay a amount of XXXX $ to duvera billing as a collection that was made by identity theft and debt is not mine. I try disputing many times and not getting results.
Product: Credit reporting, credit repair services, 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.

XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

These inquiries are unauthorized I did not authorize these companies to run my credit, and I am a victim of identity theft. 
Flagship credit acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

My social security number is XXXX on my transunion report theirs is three negative items a collection account called credit collection and 2 credit card accounts that are charged off account number XXXX and XXXX these accounts are fraud I filed a federal trade commission identity theft report on file please have Trans union removed these 3 items
Product: Debt collection

I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past year with this company and they refuse to honor my requests.
Product: Checking or savings account

XX/XX/2020 Amount : - {$4100.00} They Suspended my account after I received unemployment benefits from TN government
Product: Checking or savings account

In XXXX  2020, I received a promotional offer in the mail to open a savings account with Citibank, to maintain a certain balance and then receive a corresponding cash bonus. I opened the savings account online with instructions to fund the account. A few weeks later, I saw that the account was not funded, so I called Citibank and was told that I should transfer the funds myself online. XXXX A few weeks earlier, I had already transferred $ XXXX from another bank into my CItibank checking account. ) I went ahead and transfered the $ XXXX into the Citibank savings account. 
Two months later, I called to check on the {$500.00} cash bonus, and was told that I would have to wait until XXXX I called in XXXX, and was told that they could not find the promotion to which I was referring, and asked that I bring it into the nearest Citibank branch. I told them that I could not bring it in personally, because of health concerns, but that CItibank could pick it up or I could mail or eMail it. I was advised that I could not mail it, and that there was no eMail address that I could send it to. The representative said that they could open a dispute, and would get back to me I called again in early XXXX, and was told that the promotion was located and that the funds would be deposited within 10 days. 
I recieved a letter today stating that I DO NOT qualify for the promotion because the funds were transferred into the savings account from another Citibank checking. I explained that I had to transfer the funds to the new savings account because : ( 1 ) Citibank failed to fund the savings account ; and ( 2 ) I was instructed by Citibank to transfer the funds myself I followed all of the terms : ( 1 ) opened a NEW savings account iwth $ XXXX ; ( 2 ) maintained a $ XXXX balance for 60 days thereafter. Citibank has refused to honor their own promotion
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : Child support enforcement Inquires : XXXX 's XXXX XXXX  Account XXXXChild support As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XXXX XX/XX/1991
Product: Student loan

I was contacted and informed that my account was locked because AES acquired a student loan from education financial services which had incorrected NPI. This created a discrepancy with my account as AES locked my account erroneously. Thus making it impossible for me to log in and make my payments as I'm always consistently on-time. I was instructed by the company 's customer services representative to scan a copy of my driver 's license and passport confirming my correct birthdate and either fax/mail this in. I completed both of these requirements as of XX/XX/XXXX. It is now a month later and I'm still unable to log in to the website. I've requested several times to speak with a manager, and unfortunately AES has failed to adequately address my concerns. I'm extremely frustrated as I've had an account with them since XXXX and this has never happened before. I fear my credit will be destroyed and my lender warned me that my loan may fail the CAIVERs test. I'm more than willing to make my payments and I just want to ensure my monthly obligations are accounted for when I make these payments. Please help me as I'm completely out of options and lost for guidance.
Product: Debt collection

There's a debt on my credit report that is harmful to my credit the collector is amsher debt collection I do not know of this debt and I sent them a KY debt validation letter filled out completely and the requirements of the KY debt validation letter was not fulfilled it's been months and yet the debt is still on my credit report still harming my credit and there still trying to collect