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

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Equifax, XXXX, and XXXX for their failure to remove old and outdated information from my credit reports. Despite multiple attempts to rectify the situation by providing accurate and up-to-date personal information, the credit reporting agencies have not taken the necessary steps to correct the errors. 

The inaccurate reporting of various addresses, employers, and phone numbers on my credit reports is not only misleading but also damaging to my creditworthiness. This misinformation could have serious consequences when dealing with potential lenders or employers who review my credit history. The presence of multiple incorrect addresses and employers creates a false impression of instability and unreliable financial behavior, which does not accurately reflect my true financial situation. 

I have enclosed supporting documents such as my Driver 's License, XXXX XXXX XXXX and a recent Utility Bill to verify my identity and provide evidence of the inaccuracies in my credit reports. Despite my repeated attempts to address these issues directly with the credit reporting agencies, the outdated information remains on my reports, affecting my financial standing. 

I kindly request the CFPB to investigate this matter and ensure that Equifax, XXXX, and XXXX comply with the Fair Credit Reporting Act by promptly removing the incorrect and outdated information from my credit reports. Your intervention is crucial to safeguarding my rights as a consumer and ensuring the accuracy of the information used by creditors and employers to make important financial decisions
Product: Checking or savings account

I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.
Product: Mortgage

Requested information on their web page in XXXX, no response. The website is not allowing more communication from my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled a copy of my credit report and noticed the following information is in error. I am challenging the incorrect, inaccurate and obsolete information where Equifax has clearly violated the law and has placed on my credit report. I want this obsolete, erroneous, incorrect, unfair and unduly information removed immediately. Its incorrect and its affecting me from fair credit reporting practices. The balance, account type, the opening date and closed date are all incorrect, erroneous, obsolete and unfair. The creditors contact information to include address and telephone numbers are incorrect and have changed from previous credit reports that I have pulled monthly since XX/XX/2020. When I call the contact number that they listed it's a tele-marker for auto insurance. As stated previously on prior reports the balance is XXXX. I even called the Dept of Education myself and they did verify that I have a XXXX balance and the actual age of the account which is over XXXX XXXX XXXX. This inaccurate information was deleted last year and has reappeared on my report.
Product: Credit card or prepaid card

On XX/XX/2023 Amount of XXXXXXXX XXXX with a transfer fee of XXXXXXXX XXXX  was made to transfer money from my company payroll card " money network " to my personal XXXX XXXX  ending in XXXX money network however has failed to provide facts of date and time when payment was successfully delivered and denys to provide proper information of investigation taken in order to deny the credit of XXXX with XXXX back to my accounts and can also not provide name and date money network agents spoke to XXXX agents in regards to settle and investigate money transfer
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violations of 15 USC Chapter 41 and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for their continuous violations of the Fair Credit Reporting Act ( FCRA ), as outlined under Title 15 USC, Chapter 41. TransUnion has reported incorrect and inaccurate information on my credit report, which has caused significant harm to my financial stability and infringed on my consumer rights. 

XXXX. Violations of 15 USC Chapter 41 TransUnion has failed to comply with several key provisions of the FCRA, including but not limited to : 15 USC 1681e ( b ) - Ensuring Maximum Possible Accuracy : Credit reporting agencies are required to maintain accurate and up-to-date information on consumer reports. My report contains errors and misleading information that have not been corrected, despite my previous disputes.

15 USC 1681i - Failure to Investigate Disputes : TransUnion is obligated to conduct a proper investigation of disputed information. I have submitted disputes regarding inaccuracies, yet TransUnion has not adequately investigated or corrected these errors.

15 USC 1681s-2 - Responsibility of Furnishers : TransUnion has failed to ensure that information furnished by creditors is accurate and has not appropriately notified these furnishers of disputes. 
XXXX. Harm Caused by Inaccurate Information The incorrect reporting on my consumer report has had a severe impact on my credit score and has adversely affected my ability to obtain credit, secure favorable interest rates, and pursue financial opportunities. This has resulted in financial and emotional distress, violating my rights as a consumer.

3. Specific Inaccuracies Reported Example : Account Number XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX : The account is incorrectly reported as a Charge-off with an unpaid balance of {$420.00}. Despite my evidence and multiple disputes, TransUnion has failed to correct or delete this inaccurate information. 
Requested Actions by CFPB Conduct a Comprehensive Investigation : Investigate TransUnion 's practices concerning the handling of consumer disputes and the maintenance of accurate credit reporting. 
Hold TransUnion Accountable : Impose necessary penalties and require TransUnion to comply with the FCRA, including correcting or removing the inaccurate information.

Mandate Consumer Relief : Ensure that TransUnion provides an updated credit report reflecting accurate and fair information, and offer remedies for the harm caused. 
Supporting Documentation I have attached copies of my credit report, dispute letters, and additional evidence to support my claims. 

I urge the Consumer Financial Protection Bureau to take immediate action to protect my rights and hold TransUnion accountable for these serious violations. Thank you for your attention and assistance in addressing this matter.
Product: Debt collection

I received a Debt collection letter from a company name IC SYSTEM INC. 
this FRAUDULENT DEBT has been fully disputed before at least twice with the Knowledge of the CFPB. 
XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 
I'm attaching my DISPUTE DEBT LETTER. I would like CFPB Fine and Penalized XXXX XXXX XXXX and this Debt Collector for still trying to collect a Fraudulent Debt of {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is reporting an inaccurate public record. It is a Chapter XXXX Bankruptcy. Also, I have frozen and suppressed my Lexis Nexis Consumer Report, but Lexis Nexis continues to report information without my consent to XXXX, XXXX, and XXXX. My rights are being violated under FCRA.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received an email to log on and verify my information. I attempted to do this, but immediately received an error message. As an result my account was restricted and Im unable to use it. I immediately contacted support and customer service, but they provided NO assistance! I have reached out several times about the system not allowing me to verify me information and still no assistance has been provided. They always send the same scripted message. Now, my credit score is impacted because it will shows I am using all my available credit with them. They also charged me {$100.00} annual fee for a card I can no longer use because of an error caused by their system.
Product: Debt collection

Within the past week, I was contacted by Oracle Financial Group LLC three times with messages threatening legal action. They stated that I need to find an attorney that would be able to practice on sovereign land because I was being sued by a XXXX XXXX XXXX. I questioned this and asked that they send me this in writing. He said that I was sent documents at my old address and it was returned. I questioned this because my mail gets forwarded from my previous address to me consistently by the USPS, along with photos of each piece that is going to be transferred sent to my email. He became very defensive, aggressive, and hung up on me. Immediately, I started investigating the debt. I called the original debtor. They had just given the debt to an outside source, XXXX, within the month. I called that company and he told me that they are part of an investment group that gave the account to Oracle, with the phone number. Right away, I called Oracle and was directed to another person who demanded payment of the full amount owed or a settlement. I told him that Id call back. I got off the phone to consider how to make a payment towards the amount while feeling uncertain about this company because they will not give me anything in writing. When I talked to the original debtor and told her of the threats they were giving me about the XXXX suing me, she told me that it wasnt true. I proceeded to call Oracle back to make a payment but they were closed. I left a message. They called me back and left a msg telling me that the settlement offer was expiring. I called back and when I tried to make a partial payment while not financially being able to accept the settlement, they said they needed full payment only. They told me there no longer is a settlement offer. They wouldnt set up arrangements, which I asked for, and said theyd get back to me. Again, I asked for it in writing. Within the week, I have made several attempts to pay this. Every time I receive a call from them, its by one of several different phone numbers. This company appears to not be legal in the ways they communicate or conduct business.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Student loan

On XX/XX/2022 I logged in to myfedloan.org to view my loan information plan for repayment. These loans were automatically put on forbearance for COVID-19, and even though mandatory repayment is resuming they are not providing several pieces of crucial information about my loans. 

They do not provide the interest rate. It is listed as 0 %, which I understand is from the forbearance, but there is no information listing the actual interest amount. 

For each loan they list " IDR Forgiveness Payments Made '' listed at XXXX. The following message is provided in a help modal : " If your loan is on an Income-Driven Repayment ( IDR ) plan, this is an estimate of your forgiveness payments made, which will be validated as you approach forgiveness. For more information on forgiveness and the amount of payments needed, visit https : //studentaid.gov/manage-loans/repayment/plans/income-driven. '' This is not acceptable. It should be displaying each payment from the start, especially in light of loan servicers ' record of losing payment record and information. 

I can not find full terms for my Pay As You Earn ( PAYE ) plan on the website. I have only heard from third-party sources that forgiveness occurs at the end of the repayment term of 20 years, but I have to pay taxes on the forgiven amount as if it were income. Nowhere on the site tells me this, nor how much that amount could be. I can not calculate this myself either, as they have interest rates listed as 0 %. 

I have called the organization and been on hold for an average XXXX hours, only to have the call dropped 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 : I attempted to receive my credit report from Equifax on XXXX 
I was refused access. 

I attempted to receive my credit report directly from Equifax with their my.equifax.com website. 
I was refused access and directed to call their customer support hotline, which was closed to calls at this time. 

XX/XX/2023 : I attempted once more to receive my credit report from my.equifax.com. 
I was refused access and directed again to call online. 

Their customer support hotline was open so I called them as directed, and attempted to resolve whatever issue they claimed I had. 
I was hung up on by an agent without explanation. 

I then tried calling again three more times, being hung up on without reaching an agent, all without explanation or with direction from a machine voice to attempt to resolve my issue online at my.equifax.com, despite my inability to access it. 

I called one more time, this time reaching an agent who claimed that there was absolutely no record of my existence, and that Equifax therefore refused my request for my credit file.
Product: Credit card

I get a letter from 53 Bank talking about they were closing my account after I was on the phone with them saying I need to know what charges are making my balance {$200.00} when I haven't used it, and they said the only charges they showed were just answer charges of a combined charge of {$70.00}, and those charges were credited back! 

So no 53 Bank shouldn't be allowed to close my card with charges that aren't mine : because I am not paying for {$200.00} charges that aren't mine, and the 53 rep couldn't find where the charges are coming from!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon challenging XXXX XXXX XXXX - XXXX ; account Equifax, XXXX and XXXX did not properly verify all reported information being accurate. But how is that possible if the Last reported is inaccurate, Date of Last Activity, Date Opened is inaccurate and Date of last payment is inaccurate. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true Once again I am requesting the information you used to verify this account in writing. Ive asked for this information several times but XXXX has failed to provide any documentation. Once again please provide 1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow XXXX XXXX XXXX - to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all inaccurate information. '' Also In accordance with the Fair Credit Reporting act 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 an account without my written instructions
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

On Friday, XX/XX/2018 at XXXX, I received a call from my mortgage company Freedom Mortgage . The rep explained that there was an alleged shortage in my escrow and that they were planning on increasing my monthly payment by nearly {$100.00} each month. They had done this very same thing last year though nothing whatsoever had increased, including my taxes. This year, I changed my homeowner 's insurance company which increased my total insurance charge by {$200.00} for the entire year. Having researched this on Saturday, XX/XX/2018, I called Freedom Mortgage back and explained that there was no justification to increase my mortgage by {$1200.00} annually for a simple {$200.00} homeowner 's insurance increase. I further explained that I would be comfortable with them raising it by {$17.00}, which is {$200.00} divided by 12 months ( the {$88.00} visible on the attachment was a one time charge for a different insurance company that I quickly dropped and that {$88.00} should not play any part in the annual increase calculation ). Their response was that they want to implement a buffer, which I declined when I originally opened the mortgage. When I asked the rep if my original choice to opt out of a buffer should stay in place for the life of the loan, he gave a non-answer and said " technically yes but no. '' He went on to say that Freedom Mortgage had miscalculated the escrow and they had paid out more in previous years as a result. Since my mortgage is 5 years old, I explained that they should have caught their error years earlier and that it is not fair to penalize me for their bad math. It was their mistake, not mine and I should not be obligated to correct their error which lasted several years until they finally caught it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a consumer client of XXXX XXXX since XX/XX/2021. All of my payments have been paid on time on or before the due date. 

XXXX XXXX is violating my consumer rights by reporting inaccurate data on my XXXX and Equifax consumer reports. 

I have repeatedly disputed the late payments with my verified method of payment bank statement which proves that I made two payments to XXXX XXXX in the month of XXXX satisfying XXXX 's payment and XXXX 's payment. However only on XXXX and Equifax XXXX XXXX if reporting my late for those two months. 

I have sent over the statements to XXXX XXXX as well as to the CRA 's and nothing has been updated accordingly and so I am reporting this deceptive and abusive debt collection act to the CFPB in hopes of having the CRA 's and XXXX XXXX fined for damaging my credibility and causing my severe duress and loss of extension of credit. 

I have attached the XXXX XXXX XXXX  statements to this complaint. Thank you and have a good day!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX 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. This company is reporting a fraud collection to my account. I already spoke to original creditor and they can not verify its my account. I have never opened an account with the original creditor. This account needs to be removed immediately by law.
Product: Debt collection

AllianceOne Receivables, are having my checks garnished at 25 %, on old parking tickets. Parking tickets are from XXXX to XXXX. I have written the courts in XXXX XXXX XXXX XXXX XXXX XXXX Washington once before. The Judge already told the collection agency about the " Statue Of Limitation ''. So the attorney agreed upon recent debt. However, again XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. Does their own Writ of Garnishment For Continuing Lien on Earnings. 

AllianceOne is charging me over 200 % interest or more for parking tickets from {$25.00} to {$40.00} dollars, which the ticket 's are now {$280.00} dollars. 

I believe this is unfair practice and taking advantage of having the freedom to garnish my wages. 

I am ask that CFPB investigate the unfair practice of this Collection Agency that has put a lot of interest on parking tickets and has went pass the Statue of Limitation for collecting on old debt and leaving me in collection with even older debts. 

The attorney 's that Allianceone has representing them is writing their own Writ of Garnishment and taking advantage of filing on unfair debt. 

Thank you,