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

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Complaint Against EQUIFAX for FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX for its blatant violation of the Fair Credit Reporting Act ( 15 USC 611 ) by refusing to remove an inaccurate charge off account from my credit report. 
Account Information : Creditor Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Date of Charge Off : XX/XX/XXXX Amount : {$0.00} Despite providing evidence that the charge off account is incorrect, EQUIFAX has neglected its duty to conduct a proper investigation and continues to report this false information. This is a clear violation of my rights under the Fair Credit Reporting Act. 
I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary action against EQUIFAX for its non-compliance. I seek the immediate removal of this inaccurate charge off account from my credit report and appropriate penalties for EQUIFAX 's disregard for federal law. 
Thank you for your swift action in addressing this egregious violation of my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX
Product: Money transfer, virtual currency, or money service

In XXXX XXXX XXXX, I filed a claim with XXXX XXXX XXXXXXXX about a fraudulent transfer with Zelle ( a XXXX XXXX XXXXXXXXXXXX XXXX XXXX. The transfer was of {$600.00} via Zelle to a local business. Zelle did not have any warning or advertising at the time that stated that this was the same as cash. The company turned out to be inactive or closed down. I requested a refund through them but no response. I contacted XXXX XXXX XXXXXXXX to stop the payment. They told me that Zelle was a third party and that they did not allow stop payment. 

Zelle did not state in the XXXX XXXX XXXXXXXX app that it was a cash service, meaning once you send it there is no going back. It made no affirmative statements about this policy to XXXX XXXX XXXXXXXX users. 

I contacted XXXX XXXX XXXXXXXX multiple times about filing a police report trying to gain more information about the transaction but still no resolution or follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated or deleted. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$380.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding persistent inaccuracies in my credit report Specifically, the phone number listed on my credit report is outdated and incorrect, which has caused difficulty resolving identity verification issues with potential credit lenders The phone number currently listed on my credit report is XXXX ( incorrect phone number ). 



My correct, current phone number is XXXX ( correct phone number ) Under **15 U.S.C. 1681e ( b ) **, credit bureaus must follow " reasonable procedures to assure maximum possible accuracy '' of consumer report information. An outdated phone number violates this requirement, as it prevents lenders and other authorized parties from contacting me to verify or resolve credit-related matters.
Product: Debt collection

I checked my credit report. I found a XXXX bill for {$1000.00} from an account that was opened in XXXX of 2017 that did not belong to me. I contacted the debt collector to find out who the debt belonged to. I was told that the debt belonged to me even though I was given no validation of the debt, I never received any bill for the debt and I was never contacted about the debt by having a bill sent to me for an account that supposedly belongs to me. I informed my local police department and filled out a voluntary identity theft form and then was given a police CAD report recording the incident for further use with the collection agency and the credit bureaus. All of which ignored my efforts and just sent back information that this debt was verified. How could a debt that does not belong to me that is not even in my name be verified as my debt. I request a full investigation be done of this alleged debt and how the investigation was done with all relevant paperwork including original creditor documentation, business records, full accounting, a sworn affidavit from someone with personal knowledge of the debt. Some valid contractual obligation which is binding for me to pay this debt. Also, to produce the documentation from the alleged creditor authoring this company to collect this debt in their behalf. I am sending my most recent letter to Convergent Outsourcing requesting this information again.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602 state 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 instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I went to the ATM made a deposit and requested a {$200.00} fast cash withdraw. The machine told me to take my card which I did and then the machine acted as though I took my cash and told me to take my receipt. I immeditately went into the bank and told the tellers what had happened and they filed a complaint and temporarly posted the funds back into my account. I received a letter from the bank 10 days later stating after investigation they found no errors on their end and they debited the money back out of my account. The bank staff told me I would have to file a police report for the secuity footage to show whether I received my funds or not. I tried to file a police report and the police say this is a civil matter. The bank is refusing to look at the footage.
Product: Credit reporting or other personal consumer reports

This XXXX account is reporting payed for less than full amount It is reporting negatively on my consumer file
Product: Credit reporting

I sent disputes already but no contact or changes have been made. 
All XXXX credit companies are still negatively reporting a XXXX AccountIt has been 8.8 years since Major Delinquency First Reported. This account had never been brought current after this and has exceed the date XXXX and Federal Fair Credit Reporting Laws for being able to report in any mannerThis was also disputed with the original creditor and a good faith adjustment was made on this account that cancelled any balance owed. 
I will attach the report from the creditor but you can also review the actual documents and dates atThe original dispute made on my behalf CFPB CASE # XXXX
Product: Credit reporting or other personal consumer reports

I am trying to find out my credit report and score for XXXX and Equifax but I cant seem to get a report generated
Product: Credit reporting or other personal consumer reports

Spring Oaks Capital LLC is continuing to post fraudulent information to my consumer report. XXXX XXXX XXXX   is fraudulent and I have filled out an identity affidavit with the FTC and provided the company with supporting documentation. They have been notified by myself and other consumer reporting agencies, but they have ignored my claim multiple times. The affidavit was filed on XXXX  It is now XXXX  and the fraudulent information is still being reported on my credit report. This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ). Which states that fraudulent information should be removed from consumer reports no later than 4 business days of notification. Spring Oaks Capital also violates 15 U.S. Code 1681b ( a ) ( 2 ) which states the consumer has to give written instructions to what is allowed on consumer reports. I have not given Spring Oaks Capital any instructions to post information on my credit report.. If so, proof will need to be provided. If there is no proof, then this is a violation. They have also responded by saying they have supporting documents like bank statements, bank verification, agreements, ledgers and signed policies. I have NO KNOWLEDGE of any of these items that they speak of. They have received all documents ELECTRONICALLY with NO PROOF that the account was actually opened by myself. ANYONE can open an account electronically. By continuing to post this fraudulent account is negligence. This account will need to be DELETED/REMOVED from consumer report ASAP. 
I will be attaching the supporting documentation that was sent to Spring Oaks Capital in this complaint.
Product: Credit reporting or other personal consumer reports

*To update status to all credit reporting * delayed processing XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have made compliment after compliment about my direct deposit for over XXXX dollars and other money coming out of my account that the refuse to even try and help me with
Product: Credit reporting or other personal consumer reports

My identity and information was used without my authorization. There are several inquires on my report that I did not authorize. Please investigate and remove all unauthorized inquires on my credit report listed below 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Over a 4 day period, XX/XX/XXXX to XX/XX/XXXX, I got 4 email notices of " transfer requests '', to withdraw {$16000.00} from my XXXX account with Bank of America. 
I responded to each, " this is not me '' ( abuse at bank of america.com ) But on XX/XX/XXXX, {$16000.00} was transferred to an unknown account, some XXXX XXXX account XXXX. I don't have any accounts with XXXX XXXX. I did not initiate this, and Bank of America did not contact me before this money was released. As of XX/XX/XXXX, they claim I owe them the full amount. 

My credit card was always just a credit card, in 20 years with bank of America 's credit card, I never asked for transfer of funds from my credit card. This should have been a red flag to check before releasing funds.
Product: Debt collection

XX/XX/2014 ... .XXXX XXXX XXXX XXXX {$130.00} XX/XX/2014 .... XXXX XXXX XXXX XXXX {$930.00} XX/XX/2014 .... XXXX XXXX XXXX {$2400.00} I have no recollection of these accounts and are not mine. I have contacted these places to have removed and they were not helpful in any way
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, XXXX XX/XX/year>. My address is XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. My phone number is XXXX and my email address is XXXX. 
Attached is my drivers license for identity verification. 

I am revoking LexisNexis Data Management unit from using any and all information pertaining to me, my name and all of my historical records they store on my. I am not authorizing any use of my data without my consent. And I dont not consent to use and dissemination of my data. I am also not consenting or authorizing the third party use/utilization of my data. I am also asking LexusNexis to furnish all of the below information pursuant to Under the FCRA, the consumer has the right to : Request a description of the procedure used to determine the accuracy and completeness of disputed information, including the business name and address, and telephone number if reasonably available, of any furnisher of information contacted. Add a statement to their file disputing the accuracy or completeness of information. The statement will remain on their file and will be furnished to recipients of the file as long as the disputed information is still used ; and Page XXXX XXXX Request that LexisNexis furnish notification of the deletion of disputed information or a dispute statement to any person specifically designated by them who has received a LexisNexis consumer report for employment purposes within the past two years or received a LexisNexis consumer report for any other purpose in the past six months ( twelve months for residents of XXXX XXXX XXXX XXXX XXXX ) .
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you verified the alleged account attached in Exhibit C therefore request that you consider this final notice to your offices. Past this point, the CFPB will authenticated sworn testimony from my end which I would gladly present in court, if need be, as evidence of my trying to rectify the subterfuge that you are reporting.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. 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 MONTHS REPORTING LATE 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.

This company 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: Payday loan, title loan, personal loan, or advance loan

Today, XX/XX/XXXX, I applied for a loan of {$300.00} on that website, I thought it looked like a legit website. After I sent in my application with all my personal information, I began to receive a lot of emails, regarding loans. The emails I was receiving looked secpicious. I then researched how to tell if a loaning website is legit or not, and noticed some of the answers I saw applied to the website I used and the emails I received. Like the emails I got I tried to look up the address, that was at the bottom of the email, on maps app, and XXXX, and the address was not valid. Also like said on my XXXX search, the website told me it didn't require a credit check, and saying my credit score wouldn't matter, if it was good or not. I did not reach out to the company I applied for the loan on. I do not know 100 %, if the website is a scam or not, but the emails I received right after I sent in my application were very suspicious.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX - Disputes were sent on to Trans Union and XXXX regarding numerous accounts that should not be on the credit file. After 30 days, even longer, no investigation results were sent out, no new credit report, and nothing was removed from the credit file. I have again re-submitted disputes to Trans Union and XXXX once again to get this problem solved immediately. As a consumer it is my right to request the credit bureaus to verify information on my credit file that I am disputing. Since XX/XX/XXXX, nothing has been done.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  and XX/XX/, I received an email from XXXX stating : Dear XXXX, Were following up to let you know that your income-driven repayment ( IDR ) plan application is moving up in our processing queue. As a reminder, you dont need to take any action at this time. 

What to Expect Next If we havent finished processing your application in the next 10 days, well keep you informed with a follow-up email. 
Once we have finished processing your application, well send a letter or email ( according to your communication preference on file ) with the outcome of our review. 
Our emails are your best source for status updates about your IDR application, so please watch for emails from us. If you need assistance, please visit XXXX, as this is a non-reply email. 

Thank you for your continued patience.
Product: Credit reporting or other personal consumer reports

Discover is repeatedly reporting a supposed debt inaccurately to my XXXX credit report. I have reached out to them to have the account removed for violating the FRCA however they continue to confirm it's reporting correctly. Pursuant to 15 U.S.C. 1681-1681x companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information According to Discovers responses I have disputed this account on numerous occasions questioning the accuracy of the reporting. As of this day, my credit report does not have the following -Closed Date -Last Verified -Original Creditor According to the statements from XX/XX/XXXX to XX/XX/XXXX Discover sent me, my last payment was made XX/XX/XXXX which is confirmed on my credit report. 

Late payment fee dates according to Discover statement -XXXX XXXX XXXX ( 30 Days late ) XXXX XXXX XXXX ( 60 Days late ) XXXX XXXX XXXX ( 90 Days late ) - XX/XX/XXXX ( 120 Days late ) - XX/XX/XXXX ( 150 Days late ) - XX/XX/XXXX ( 180 Days late ) - XX/XX/XXXX ( reported as charged off ) XXXX XXXX XXXX ( Account shown as closed ) Date of Last Activity is showing as XX/XX/XXXX. I am requesting again that Discover send me documentation on what changes happened on XX/XX/XXXX to an account that was charged off in XXXX of XXXX, they have verified this repeatedly and if they can not show proof of activity I ask they please remove this account. 

I am requesting proof the account was opened on XX/XX/XXXX as stated on my credit report along with the contract that was signed. 

Furthermore this account was dismissed without prejudice by a XXXX XXXX in XXXX according to a written letter from Discover. I am expecting a prompt response with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were trying to take money out of our account. Bank closed us due to the fraud. Now my husband and I get non stop calls and non stop emails Texts. He wired {$500.00} to have us give back, after that he had a picture of the bar codes on receipts and started trying to empty our accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX  XXXX XXXX to inform them that this REPO is not mine. I have never voluntarily or involuntarily repossessed my vehicle and the supervisor said she would have it deleted.it never did!!! so I disputed it twice now and they continue to " reconfirm '' the information. This is only showing with XXXX but its hindering me from purchasing a home.
Product: Credit reporting

Out of the blue, a negative credit item has appeared on my Experian credit report from XXXX XXXX XXXX XXXX, partial account # XXXX, with the original creditor OHSU Faculty Practice. I have never bought any services from this creditor, nor had an account with this creditor, nor have I any knowledge of this creditor or the original creditor. Apparently it is based on Oregon, where my ex-wife lives. I have been divorced from her for 6 years and she is no longer named XXXX XXXX but rather has the legal name " XXXX XXXX. '' I never agreed to enter into any joint account with her or have any joint responsibility with her. To have this account added to my credit report based on a date opened of XXXX 2010 and a date of status of XXXX 2010 is bizarre. This may be an obligation of my ex-wife but it is emphatically not my obligation. This must be removed immediately.
Product: Credit reporting or other personal consumer reports

Hello, please see the below regarding Equifax. I am now dealing with a situation where my credit report scoring has now dropped a significant amount of points because XXXX, Equifax and XXXX have still not updated XX/XX/XXXX credit reporting for my auto loan with XXXX to date, XX/XX/XXXX. ( XXXX sent me a copy of the letter they submitted to all three credit bureaus to update my account as current for XXXX and XXXX of XXXX. ) However, now when I log into my XXXX account to review all XXXX credit bureau reports. All of my payment history since the beginning of my loan with XXXX is now gone. This issue has been ongoing since late last year. I called XXXX last month on XX/XX/XXXX I believe. Here is the customer service information for the call. Confirmation number from XXXX XXXX Representative : XXXX XXXX hours dispute completion I never received a resolution to this dispute. Please assist as they have completely messed up my entire credit reporting regarding XXXX. The other two credit bureaus, Equifax and XXXX have not correctly updated my payment history regarding my auto loan with XXXX either. I have submitted disputes with all three credit bureaus and none of them have correctly updated my payment history. As of today, XXXX XXXX, Equifax stating they have updated my information. I logged in today to check and they have not updated my history. They keep closing the dispute and not updating my information. Please update my payment history as my credit report rating with XXXX has fallen about XXXX points now because the issue is ongoing. The errors by all three credit bureaus is significantly impacting my life as far as obtaining future credit. If this issue is not resolved, I will no further choice but to retain legal counsel and sue all three credit bureaus. Two of which are already under a lawsuit for not updating peoples credit profiles correctly. Im also ready to sue CFPB for not forcing these credit bureaus to do their job. Thank you