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

I am submitting this complaint regarding Equifaxs failure to properly investigate and remove fraudulent accounts and inquiries from my credit report after I was a victim of identity theft. Despite following the necessary procedures to dispute these errors, Equifax has ignored my requests and failed to take corrective action, negatively impacting my credit profile.

Steps Taken to Address Identity Theft and Dispute Errors XXXX. Filed an Identity Theft Report Upon discovering unauthorized accounts and inquiries on my credit report, I promptly filed an identity theft report with Federal Trade Commission on XX/XX/year>. A copy of this report was included in my dispute submission to Equifax. 
XXXX. Placed a Fraud Alert and Credit Freeze I requested and successfully placed a fraud alert on my credit file through all three major credit bureaus ( Equifax, XXXX, and XXXX ) and initiated a credit freeze to prevent further fraudulent activity. 
XXXX. Submitted Dispute to Equifax On XX/XX/year>, I formally submitted a dispute to Equifax, providing detailed information about the fraudulent accounts, including : A copy of my government-issued ID Proof of residence A police report/FTC Identity Theft Report Copies of statements showing fraudulent transactions A written statement explaining the disputed items XXXX. Followed Up on Dispute After not receiving a response within the legally required timeframe under the Fair Credit Reporting Act ( FCRA ), I contacted Equifax multiple times on XX/XX/year>, XXXX via certified mail to check the status of my dispute. 
XXXX. Received No Resolution from Equifax Despite providing all necessary documentation, Equifax has failed to remove the fraudulent accounts from my credit file. They have either ignored my dispute, provided generic responses without investigation, or reinserted the fraudulent accounts without proper notification. 

Requested Action Due to Equifaxs noncompliance with FCRA regulations, I am requesting the CFPBs intervention to ensure that : Equifax fully investigates my dispute and permanently removes all fraudulent accounts and inquiries.

Equifax provides me with a written statement detailing the results of their investigation.

I receive a corrected credit report reflecting the removal of all fraudulent information.

Equifaxs failure to address my dispute has caused financial harm, including lowered credit scores, denied credit opportunities, and undue stress. I respectfully request that the CFPB take immediate action to ensure Equifax complies with federal regulations and properly corrects my credit report.

Thank you for your time and assistance in resolving this matter. Please feel free to contact me if further information is required. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 had call this company about the unauthorized inquiries on my report. they refuse to delete them, i have sent the copies of a police and FTC report certified and someone sign for them but they insist they don't have them. i don't have any accounts associated with these inquiries and they wont delete the fraudulent inquiries.
Product: Debt collection

A rental eviction was paid XX/XX/2013 into the XXXX County Courts in XXXX, GA. The landlord received money from the courts for the same amount collection agency is trying to collect for old landlord on. Collection agency knowingly and fraudulently knew they could n't collect on this account since tenant has no contract with this agency and landlord already been paid by the courts. Collection agency been told that had no right to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to car dealership and tried to apply for a car they said they were going to pull my credit report but however they noticed a lot of hard inquiries. 

US SM BUS ADMIN ODA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

CFPB : XXXX This is a continued problem with XXXX XXXX XXXX. XXXX XXXX XXXX has deleted all of the payment history transactions after having 3 errors on my account. I am now not able to view my payment history from XX/XX/XXXX-XX/XX/XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

ive been calling XXXX and transunion to remove hard inquiries from my report. my social security number and other information was stolen in around XXXX XXXX the credit bureaus refuse to remove the hard inquiries i have requested.
Product: Bank account or service

My father passed away and his money market and checking account were set up as POD, payable upon death, to me and my brother and sister. Before we even got back from his funeral, they froze his account and said they would not honor any checks written against the account, even if they were written before his death. We went to the Bank of America to close out these accounts. They said it would take XXXX business days to get our money. We had just come from another commercial bank and it took us XXXX minutes to close the account and get our money. So, we got into a long discussion on why it took so long to get the account closed. I had talked on the phone with Bank of America XXXX days before we went in. They said if we presented a Death Certificate and signed papers the branch bank would cut us checks. Never happened and after talking to several different people with several different answers, the time period for getting the checks esculated to XXXX weeks! We left the bank without any resolve to our situation. So each FDIC bank can make up their own rules on when someone can get their money. Either Bank of America is breaking the law, or the Banking sector has no real hard and fast rules for protecting customer rights to their money. What good is a Payable on Death account if the Bank of American can make you jump through infinite hoops to try and get your money?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found that in accordance with the FCRA you violated my rights under 15USC 1666B Timing of 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 no later than 21 days before the payment due date. I did not receive statements from XXXX 21 days before the due dates for the month of. XX/XX/year>. XX/XX/year> XX/XX/year> and XX/XX/year>. According to the FCRA, creditors must send statements at least twenty-one days before the due date to allow consumer sufficient time to make payments on time. Please conduct proper investigation and provide proof that statements were sent out twenty-one days prior to the due date. Please provide tracking number. if no proof is furnished for verification and validation, please update. late payments to PAANL ( Paid as agreed, never late ) Also, please update payment history to " ok ''. 

15 USC 1681A Definite rules of construction. 
( XXXX ) exclusions, except as provided in paragraph XXXX, the term consumer report does not include. 
( a ) subject to section 1681S-3 of this title any- Report contending information solely as two transactions or experiences between the consumer and the person making the report. 
Transaction should not be included on my consumer report if they are not accurate. Verifiable or complete. the late payment on me XXXX  XXXX account should not. be included on my consumer report because according to the consumer law there. they are transactions and transactions are excluded from a consumer 's file. Please update the late payment to XXXX  ( As agreed and never late ) and update my report history to " ok ' The 15 USC 1681S. 7 ( A ) ( i ) Responsibilities of Furnitures of information to consumer reporting agencies. 
Negative information ( A ) Notice to consumer required ( i ) in general. 
If any financial institution that extends credit and regularly and in the ordinary course of business furnaces information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the Financial Institution shall provide a notice of such furnishing of negative information and writing to the customer. Furnitures of information such as XXXX XXXX must notify consumers in writing before reporting negative information to credit reporting agencies. I did not receive any written notification from XXXX 130 days prior or after the late payment was being reported on my credit report. Please furnish proof that a letter was sent to me from credit. creditor along with tracking number. Please conduct proper investigation and if you can not provide proof, please update my payment to pay it as agreed, Never late and update payment history to okay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXX ON XXXX are inaccurate and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I took a look at my credit report and I have shockingly found unverifiable, invalidated, inaccurate and questionable items that your agency did not make sure was reporting XXXX XXXX correct In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) These accounts are in violation of not reporting XXXX XXXX accurate. 

XXXX. XXXX XXXX Account # : XXXX The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification - Description of reinvestigation procedure.
Product: Money transfer, virtual currency, or money service

I was trying to send money to someone using Venmo and discovered that my account was frozen. From some of the reasons shown for a frozen account I thought that it was because they were not sure my bank would release funds. Therefore I transferred {$500.00} to the Venmo account and after it cleared I tried to send the money again. It said it wouldn't send because the account was frozen. After chatting online I was told that I received an email around XX/XX/2021 about the account. I no longer could access an email that old if in fact I got one. They re-sent the email stating that to unfreeze the account I would need to take a selfie of me holding my driver 's license and send it to them. This sounded fishy to me and I was not comfortable doing this. I then tried to transfer the money back into my checking account but it was refused because the account was frozen. Note that Venmo had no problem accepting the transfer to the frozen account but would not transfer it back. Their help agent said that this could only be handled by the account department who you can never talk to directly but have to work out only by email. The accounts department has not released my funds and have not contacted me but when they do I'm expecting them to send the same request that for the selfie which I will not do. 

XXXX transferred {$500.00} to Venmo from bank account XXXX chatted with Venmo customer service XXXX called Venmo customer service
Product: Credit reporting or other personal consumer reports

XX/XX/2023 asked why wasnt I notified never opened 3 accounts with company representative assured me nothing was reported and that was not true
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against [ Credit Bureau Name ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

On [ Date of Credit Report ], I discovered discrepancies in the following account ( XXXX ) : Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Mortgage

This is a response to a previous complaint on CitiMortgage with Case number : XXXX I have received their response which is inaccurate and untrue. 
They indicate I have made a web payment on XXXX/XXXX/15 in the amount of {$4400.00} on the same day I made a phone payment in the amount of {$2200.00} This is not what happened at all even though they have provided a confirmation # to support their claim. I have never made an online payment with CitiMortgage in the 10 years of my mortgage payments to them. 
It is not safe to make online payments to them as it gives them access to your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, finance a vehicle with XXXX XXXXXXXX XXXX on XXXX and on XXXX furthermore, I paid the vehicle off, thru out the entire loan and until now the Lender has never send any reports or payment history to any of the ( XXXX ) Major credit reporting agencies and now after reaching the lender they claimed that they only can send a payment history over the mail.
Product: Debt collection

there are 2 collections on my otherwise excellent credit by a company by the name of MBA law - i have never contracted with this company - i have know knowledge of this company and it appears twice on my personal credit i would like for these collections from MBA LAW to be removed immediately. 

i have sent corresponsence to the MBA LAW company and have received no response and that was approx 40 days ago. 

according to various laws of the FCRA- i have a right to credit reporting in an excellent manner collections may be a result of an old debt that was either discharged, paid or cancelled. According to tax documents - as a consumer if this was an old debt it may have been charged of and is no longer a debt to me but has been reported as income,
Product: Student loan

I used to have an account with XXXX XXXX. Now I am filing my taxes, I find out that my loan is owned by some company called Navient. Nobody from XXXX XXXX ever told me my lender was changing and nobody from Navient has ever contacted me. I had a fixed payment amount with XXXX XXXX before this change. It was approximately {$150.00} per month. I 've been sending {$170.00} each month to make sure I am paying the balance down. When I check on Navient 's website, it says i 'm past due because i 've been paying less than the minimum payment ... for many months. I do n't know how the funds are getting from XXXX XXXX to Navient, nor was I ever contacted to advise that my payment amount has increased or asked to agree to ANY change in terms for my account. I am not able to find any contact information for Navient. They have never sent me a statement, a single letter, or made any phone call to me.
Product: Bank account or service

Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an updated credit report from Experian, XXXX and XXXX. In do so I found their several names and addresses. I don't know nor recognized. I have sent out letters on XX/XX/22 to dispute the matter. No representatives have called, nor any updates have happened.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report because I'm trying to buy a home and noticed inaccuracies and/or incomplete information and accounts that are Unverified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

15 USC 1681 Section 604, states the right to consumers ' privacy. Reporting agencies can not furnish an account WITHOUT my WRITTEN consent!

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even any or all the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety, or the alleged accounts are to be completely deleted. 

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX