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

I am submitting this complaint against Equifax for their failure to properly investigate disputes and correct inaccurate information on my credit report, despite multiple attempts on my part to resolve the issues. They have violated several provisions of the Fair Credit Reporting Act ( FCRA ), and I am seeking assistance from the CFPB to resolve these ongoing issues. '' Equifax has failed to comply with the following provisions of the Fair Credit Reporting Act : 15 USC 1681 EB : Equifax has not conducted a reasonable investigation of the disputes I filed, which is required when a consumer challenges inaccurate information on their credit report.

15 USC 1681s-2 : Equifax has not ensured that information reported to them is accurate and has not corrected any inaccuracies that I have pointed out, despite my repeated disputes.

15 USC 1681 i5 : Despite my efforts to dispute inaccuracies, Equifax has not corrected or removed the disputed items from my credit report as mandated by law.

15 USC 1681 CC : Equifax has not provided me with proper notification when they corrected or removed disputed information, as is required under the FCRA. '' On XX/XX/year>, I sent Equifax a dispute regarding incorrect information on my credit report. Specifically, I disputed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite providing documentation supporting my dispute, Equifax has failed to investigate the matter or correct the inaccuracies on my report. 

I recently learned that the CFPB filed a lawsuit against Equifax for failing to properly investigate disputes and remove inaccuracies from credit reports. This lawsuit underscores the companys ongoing pattern of failing to comply with the requirements of the Fair Credit Reporting Act, which has had a direct impact on my ability to access credit and other essential services. 

As a result of the inaccuracies on my credit report, I have been denied credit applications and faced difficulty securing housing and employment opportunities. This is causing significant harm to my financial stability and future prospects. 

I am requesting that the CFPB investigate Equifaxs failure to conduct a proper investigation into my credit report disputes and enforce the correction or removal of the inaccurate information in accordance with the Fair Credit Reporting Act. I also ask that Equifax provide me with written confirmation of the changes as required by law.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I requested Transunion to investigate the following accounts reporting on my personal credit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX  ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Transunion 's initial response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Transunion never provided me with a description of their investigation, and still has yet to do so to this day. The Fair Credit Reporting Act ( FCRA ) demands that credit reporting agencies ( CRAs ) use reasonable procedures to assure maximum possible accuracy of information contained in consumer reports, 15 U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute any incomplete or inaccurate information in their report. Transunion failed to adhere to this law in four important ways : First, Transunion 's faulty intake procedures failed to accurately convey all relevant information regarding the dispute to the original furnisher of the disputed information ; additionally, Transunion failed to provide the furnishers with documentation submitted that supported the disputes ; Second, Transunion uncritically accepted the original furnishers response to the disputed information, even when that response was either improbable or illogical on its face or when Transunion had other information in its possession that alerted or should have alerted Transunion to the possibility that the furnisher might be unreliable ; Third, at the conclusion of its reinvestigation, Transunion sent notices that failed to inform me of the reinvestigation results, and instead provided information that was confusing, ambiguous, incorrect, and internally inconsistent ; Fourth, Transunion deliberately provided false and misleading information to the CFPB that it investigated my disputes, when in fact they never did. Transunion 's actions were an attempt to illegally evade responsibility for their lack of capacity to properly conduct an investigation into the disputed accounts. Transunion 's failures to properly investigate and provide me with the specifics of their investigation results are an abdication of its obligations under the FCRA and in direct violation of federal law ; 15 U.S.C. 1681i.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX : XXXX XXXX XXXX DATE ASSIGNED : XXXXXXXX XXXX AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Chex system has been issuing denial letters to banks. Saying XXXX an account or inhabe something delinquent on my report. The following day I pulled my chexsystems report and there is nothing negative on my report at all nothing opened nothing negative at all. Also I know the cfpb as well as the corporations they protect are not here for us as consumers but to protect the business from us as consumers. So if my issues is not resolved within 7 days of this complaint Ill file suit against both Chex systems and the cfpb.
Product: Student loan

Hello, I consolidated my  XXXX  federal graduate school loans on  XXXX / XXXX / XXXX  into the only loan consolidation program offered at the time. I am now learning that after 11 years of working for the  XXXX   XXXX  Attorney as a lawyer ( a job that would otherwise qualify ), because I did n't consolidate into a type of loan that did n't even exist at the time (   XXXX   XXXX   ), my  XXXX  separate, on time payments as of  XXXX   XXXX  will not qualify for the public service loan forgiveness. This seems bonkers. Certainly that can not be the intent behin d Congress creat ing this program with much fanfare a decade ago.     My servicer is  XXXX . I think my loans should be forgiven in exchange of the years of hard work I have been doing as was promised ten years ago.     Thank you,  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
s/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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

CRA continues to violate FCRA 605A. Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ] 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws.
Product: Debt collection

MRS BPO , LLC has put a collection on my credit file on behalf of XXXX, the address for the service has never been associated to me, I did not sign up for any services. I have never had an account with XXXX. I have already contacted them and informed them that this account isn't mine, I also disputed with XXXX multiple times, I refuse to pay for an account that isn't mine, I have a perfect credit record with no late payments or collections, and now I have to deal with a crooked company that is harassing me and creating credit problems.
Product: Credit card

I applied for a Barclays account for the Carnival Mastercard and was denied for information reported by XXXX XXXX. I did not authorize XXXX XXXX to give the information nor am I an employee of Barclays or applying for employment with them according to 15 U.S. Code 1681B. This is a matter of an adverse action from them illegally obtaining my credit score from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under al open end consumer credit plan as late for XXXX purpose.
Product: Money transfer, virtual currency, or money service

Zelle wouldnt allow me to join my phone number and email to transfer or receive money. And it never verified with senders they were sending to the correct person
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act and XXXX  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 XXXXXXXX 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

Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being presented to my personal credit file. The Equifax and XXXX Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I got a letter two days ago from American Express ( two addressed were on the letter : XXXX, NJ was on the letterhead and XXXX  XXXX, FL was on the bottom ), stating I owed {$37000.00}. I have not had an American Express account for many many years. I have not had any communication with AE for years and my credit reports do not provide any evidence of it. I could not get an account now if I tried since a few years ago I got health issues and would certainly not be approved for any credit. 

The statute of limitations for any earlier amounts would have been way beyond any collection efforts and this threat to avoid collection activities is unethical and illegal. I will be sending them a certified letter, but would like this notes and followed up for company censure.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE Credit reporting of Third party collections, charge offs And public record reporting It's in violation of the fair debt collection practice act. 
XXXX XXXX XXXX XXXX ( Incorrect account please validate ) And delete XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXX ( Incorrectly reported please delete ) XXXX XXXXXXXX late payment XX/XX/XXXX incorrectly reported. ( Account no longer open please delete ) Account has been removed from Lexus nexus remove from all other credit reporting XXXX late payment XX/XX/XXXX accountclosed late payment inaccurate has been removed from ( Lexus nexus ) Please remove from all other credit reporting XXXX XXXX account was fraudulently charged/ ( The accounts has also been charged off ) please delete XXXX Late payment incorrect reporting account is paid as agreed please update and And correct XXXX XXXX ( account was charged fraudulently identity theft ) please delete. 

XXXX XXXX XXXX XXXX ( Account was fraudulently charged due to identity theft please remove and delete ) XXXX XXXX ( account was fraudulently charged due to Identity theft. Account also is a third party and not validated ) please remove and delete
Product: Credit reporting or other personal consumer reports

I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items,
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX MY PERSONAL INFORMATION WAS STOLEN WHILE I WAS IN A XXXX XXXX XXXX XXXX  IN XXXX MI DUE TO AN INJURY. SHORTLY AFTER I LEFT THAT PROGRAM I BEGIN TO RECEIVE LETTERS IN THE MAIL AT MY OFFICIAL RESIDENCE FROM CREDIT COMPANIES DENYING OR APPROVING ME FOR CREDIT THAT I DID NOT APPLY FOR, I REPORTED IT TO THE SECRETARY OF STATE AND THE POLICE. ON XX/XX/XXXX I APPLIED FOR CREDIT AND WAS DENIED DUE TO XXXX XXXX XXXX ON MY CREDIT PROFILE, ( XXXX XXXX XXXX XXXX {$300.00} ACCT # XXXX ) ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ACCT # XXXX ) SO I CONTACTED THESE DEBTORS AND THEY SAID I OWE THEM FOR EQUIPMENT ORDERED ONLINE AND DELIVERED TO THE XXXX XXXX XXXX  ADDRESS IN XXXX MI, BUT I DID NOT ORDER OR NEED ANY MEDICAL SERVICES OR EQUIPMENT AND I DID NOT LIVE AT THE ADDRESS WHERE THE EQUIPMENT WAS SAID TO HAD BEEN DELIVERED. MY SON TOOK ME TO THE XXXX POLICE STATION TO REPORT THE INCIDENT, OFFICER XXXX SUGGESTED THAT I SEND THE POLICE REPORT TO THE DEBTORS AND THE CREDIT AGENCIES SO I DID BUT THE DEBTORS TOLD ME IT WAS STILL NOTHING THEY COULD DO EVEN AFTER RECEIVING THE POLICE REPORT FAXED BY OFFICER XXXX HIMSELF. I MAILED COPIES TO THE CREDIT AGENCIES BUT THEY HAD MULTIPLE ADDRESSES SO I DONT KNOW IF IT GOT TO THE RIGHT PLACE, I CANT GET NO ONE ON THE PHONE FROM THOSE AGENCIES ITS VERY HARD AND NOW I AM STUCK WITH NO HELP
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX I am trying to set up credit freezes with the three credit reporting companies for an " incapacitated adult '' with XXXX who without clear awareness wracked up thousands in credit card debt and is now in collections due to them opening credit cards without anyone 's knowledge. The three companies have different requirements and methods of application. XXXX was clear and easy to follow. XXXX requires unobtainable items such as a birth certificate for someone born in XXXX versus the SS card number and a valid state or federal ID. The worst by far was Experian which has a hyperlink advertising " minor children and incapacitated adults '' ( https : //www.experian.com/freeze/center.html ) but when you click on it, there is not a single mention of incapacitated adults on the entire webpage ( https : //www.experian.com/help/minor-request.html ). I used the help and search features with nothing showing up. I called every single number I could find online. The phone tree provides no opportunity to ask a general question or provide the answer to this one. It eventually cut me off - at every single number I used ( XXXX, XXXX, XXXX- which I received an automated response the email was decommissioned XX/XX/XXXX. ) HOW IS A CONSUMER SUPPOSED TO USE THESE PROTECTIONS IF THEY ARE SO INACCESSIBLE? This should not be hard or varied. It is no wonder people don't use this protection. Who has the time, energy, and patience to put up with this abysmal delivery of services?
Product: Debt collection

I requested from Mercantile Adjustment Bureau proof of the Debt by mail with a certified return receipt sent out XX/XX/year>. My request was for proof of the debt, account statements, verification of Assignment, and a Detailed Breakdown of Charges and their License information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints with the three credit bureaus. Upon filing those complaints I noticed that they have failed to take action and remove the fraudulent accounts that are on my report. I am a victim of identity theft and I need the accounts fraudulent accounts removed immediately.
Product: Credit reporting or other personal consumer reports

They have me as an authorized user. I choose to opt out 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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.

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I the consumer may have given you written, unwritten, verbal, nonverbal per 15 USC 6802
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Since XXXX the following Data breeches that are listed below have taken place and my information has been leaked in each XXXX of them. At this point my data has been leaked so many times thatI can not understand why these companies are not begin held accountable. I am continue to get emails saying my info has been leaked on the dark and now i am getting calls that I have taken out loans in states that I haven't lived in for several years up unit this past year. The person says the loan was taken out in XXXX and I lived in a whole different state. I did ask to get the copy of the agreement with my signature and the ID that the took but have yet to get anything. I just can not be held accountable for someone else actions. As of recent I have locked my credit however up until a month or so ago my reports were not locked. I know there could be other things that are possible on my credit due to the continued leaks of my data. 
As of XX/XX/XXXX I have locked my credit reports My preferred method of contact is email to XXXX XXXX Data Breech HauteLook XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Breach XXXX  XXXX Data Breeches XXXX XXXX XXXX XXXX XXXX XXXX Data Breeches XXXX ( again ) XXXX XXXX Data Breeches XXXX student loan servicer Nelnet Servicing XXXX ( again ) XXXX XXXX XXXX ( again ) XXXX  XXXX ( again ) XXXX XXXX XXXX XXXX ( Again ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

Writing to dispute these ILLEGAL COLLECTIONS AND INQUIRIES ON MY XXXX REPORT! THESE ITEMS ARE ILLEGAL AND UNAUTHORIZED AND NEEDS TO BE REMOVED IMMEDIATELY FROM MY XXXX, EQUIFAX, AND XXXX REPORT. MY INFORMATION WAS BREACHED VIA EQUIFAX BREACHES, XXXX BREACHES, AND ALSO XXXX. YOU GUYS HAVE FAILED TO DO YOUR JOB AS CREDIT BUREAUS IN PROTECTING YOUR CUSTOMERS INFORMATION AND AS A RESULT I STILL HAVE ILLEGAL ITEMS BEING REPORTED BECAUSE OF YOUR CARELESSNESS. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX21
Product: Checking or savings account

XX/XX/2023 Venmo froze my account and requested that I send in my identification. I uploaded my State identification and Social Security card as requested. On XX/XX/2023 I received an email that my account has permanently been suspended.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was settled with XXXX XXXX XXXX. Yet Franklin Collection refuses to remove inaccurate information from my XXXX  Credit Report. Please contact the reporting agencies inform them that the debt is disputed and advise them to delete it from my credit report. Failing to report information correctly, violates the Fair Credit Reporting Act.