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

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On [ XX/XX/XXXXXXXX  ], I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA. 
Complaint XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On the complaint with Transunion, XXXX and XXXX, they state that the information I submitted as fraud has been verified. They never spoke to me, a family member or a friend. Verifying that someone ( a thief or an imposter ) used my information is not verifying that I used that information, and these should be removed from my account immediately. XXXX has removed the one account ( XXXX XXXX ) from my credit report, and I would like the TransUnion and XXXX to follow
Product: Debt collection

On XXXX XXXX 2015 there was a car accident theses bills were paid according to the XXXX insurance companies collection agencies are harassing I was told this account was paid I trusted and believed this to be true and correct Plus this collection agency is calling my cell phone daily
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out to your company because I am seeking assistance with having the credit bureaus do their due diligence in rectifying discrepancies found on my credit reports. This issue is has been escalated because the companies are failing to do their job. 
In XX/XX/2023, I initiated factual dispute letters on behalf of myself to XXXX XXXX, XXXX, and Experian. The letters contained detailed information and facts to support my claim of an accuracies on my credit report The accounts that I disputed were the Department XXXX XXXX XXXX XXXX XXXX and XXXX. All of these accounts are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau as they are claiming to have done investigations in which the information is verified through templated responses. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, l to see that something is amiss. They have a responsibility to reports verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. 
I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.
Product: Mortgage

I have an FHA loan with escrows. The loan servicing company failed to pay our homeowner 's insurance premium on time last year and our homeowner 's insurance policy was cancelled due to non-payment and I had to pay the premium out of my checking account directly to the insurance company to have the policy reinstated and this year they did not pay the flood insurance policy on time and I have had to do the same thing.
Product: Credit reporting or other personal consumer reports

CAR WAS VOLUNTARY REPOSSESSION I DROP THE VEHICLE WHERE I WAS INSTRUCTED TO AT XXXX XXXX XXXX  XXXX XXXX. THIS ACCOUNT IS INCORRECTLY REPORTING THAT I STILL OWE A BALANCE. ON MY XXXX REPORT FROM XX/XX/year> THE BALANCE DUE ON THE ACCOUNT IS {$0.00} I DISPUTED THE MISSED AND LATE PAYMENTS AND THERE WAS NO ANSWER. ALSO IF THIS WAS CHARGE OFF WANT PROOF OF CHARGE OFF AND 1099C WHICH WAS NEVER PROVIDED OR REMOVED THIS NEGATIVE ACCOUNT.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my consumer report and noticed some items I would like to dispute. I have suffered XXXX XXXX  as a result of this matter as a result so I demand this matter be resolved in a fair and equitable manner, which hasnt been done. 
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; and rules of construction section. It was also reported without my written consent and therefore ; is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please DELETE these items from my consumer report!
Product: Checking or savings account

I have a victim 3 times of people getting into my checking and savings accounts. All 3 times have been corrected in the past year and a half. Now I am getting text from someone addressing me by my name and saying that there is a mediation and I should response. I have checked things out on my end. And there is no outstanding debts or problems. I heard that there is scams out there and they are using text messages. I blocked them then first text that I got about 2 months ago, but I got another one last friday. The number is XXXX. This number is also blocked. I do not owe anyone else but what I have on my credit report. The credit has been frozen in all XXXX agencies. And I also have fraud alert on all cards and bank accounts. I am so tired of people scamming me. 
Thank you
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. 
I am an active XXXX XXXX  of the XXXX XXXX. 
Seeking assistance in removing inquiries that have not been approved by me. 
Tried contacting these creditors with my limited available time. Some do not show me in their system, and others unable to reach anyone without being placed on hold for almost XXXX hour. 

The creditors below have pulled my credit without my consent. 

XXXX XXXX XXXX XXXX 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: Debt collection

Accepted a student loan for the spring of   XXXX   on   XXXX   XXXX   XXXX  . All but {$90.00} went towards paying tuition at  XXXX   XXXX   XXXX   XXXX . On   XXXX   XXXX   I withdrew from classes, and moved back to  XXXX , TX. I was told by the college that the money would go back to the loan servicer. Received a letter in   XXXX   XXXX   stating that since I had withdrawn from classes, I needed to pay the student loan that was disbursed, in the amount of {$1800.00}. I never received the full amount, so I called  XXXX  and asked them what the letter was about. I was told to ignore it, as it had been sent in error, and they could see that my loans were in good standing, as I have consistently made payments each month. In   XXXX   XXXX  , I received another letter stating that this account was going to go to collections, and that I needed to pay it in full immediately. I called again, and was told I needed to fill out a loan discharge packet. I sent this in   XXXX   XXXX   and was told that they had received the information, and they were going to discharge the loan. However, it was still on there in  XXXX , and subsequent calls to the   XXXX   XXXX   XXXX   did not produce the same response. They acted as if I had never sent in a discharge form or packet of information. They marked me as late on making payments in   XXXX   XXXX   despite me making a timely payment. So I sent another  XXXX . I then called the collections company to see if they had received the information, and they said no, so I sent them a copy as well. I was told I would hear back from them in a couple weeks. A couple weeks went by, and no calls. All negative items are still on my credit reports. Called the Department of Education on  XX/XX/XXXX , and they said they are still reviewing the information, and I should hear back in a week.
Product: Debt collection

I am a victim of identity theft and this account does not belong to me. I have contacted this company yet they still report a fraud account that they have no valid proof of bearing my real signature. This account does not belong to me and it was open as a result of identity theft.
Product: Mortgage

At the beginning of XX/XX/2024, I applied for loss mitigation after getting behind on mortgage due to loss of income. I applied for a partial claim and got approved, I called, emailed multiple times, and didnt get a response until XX/XX/XXXX, stating that my partial claim final documents were finally processed and sent out. XX/XX/2024, I signed, notarized, and submitted these documents on Shellpoints online notary service, AS THEY INITIALLY REQUESTED, over a week later and my due date is XX/XX/XXXX, stating that they havent received them. I have digital and paper copies, and they refuse to let me send them without a third-party, and I have warned them I am ready to hire an attorney. They are now trying to hang the possibility of foreclosure over my head on something that has been out of my hands for a week.
Product: Credit reporting or other personal consumer reports

Accounts and information on my reports are inaccurate and have hurt my score and my job outlook. 


XX/XX/XXXX XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXX/XX/XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXXXX/XX/XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$100.00} Status Open. {$49.00} past due as of XX/XX/XXXX. 
XXXX XX/XX/XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$240.00} Status Collection account. {$240.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance {$290.00} Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative
Product: Money transfer, virtual currency, or money service

I/Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX, the undersigned affiant, a living XXXX declare that I am of majority and competent to state the matters set herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence. The following corporations have knowingly participated in false and misleading practices and are not willing to rectify this matter. I was knowingly and falsy misled by not being given full disclosure of my rights as a consumer. I have started the administrative process by following all rules and regulations set forth by Congress. I have sent out Affidavit notices to this corporation making them aware of the violations pursuant to 15 USC 1602, 12 CFR 1002.2, 12 CFR 1026.13 ( a ), 12 CFRb1026.17, 15 USC 44, Regulation B 12 CFR Subpart B, and 15 US CODE 1692 ( c ). I have spoken to them via phone and email as well as certified mail and they have yet to even acknowledge my attempts nor credit my account. I sent the first notice and remittance transfer on XX/XX/2023 another on XX/XX/2023 and the last one was sent on XX/XX/2023. I will attach all the documents that were sent to this corporation below upon request as I have already sent them.
Product: Credit reporting or other personal consumer reports

According to FCRA section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information. Thank you.
Product: Debt collection

I accrued medical debt when I was not on my own insurance at the time I was under my mothers. So because I was under her insurance at the time the bill in my name was wrong and it should be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out an FTC report on XX/XX/XXXX XXXX to XXXX, XXXX, and TransUnion to remove inaccurate/ false inquiries. XXXX is working to remove the inquiries. However, XXXX and TransUnion has yet to address my problem. Furthermore, it has been over 30 days for each of the three credit bureaus to respond.
Product: Credit reporting or other personal consumer reports

To whom it May concern. I have a credit card with the XXXX company and they are reporting my credit incorrectly, they reported me a late payment. I have made all my payments on time. This is seriously affecting my credit report. Please request that you remove this late payment from my account.
Product: Debt collection

In XX/XX/XXXX over several visits I visited XXXX XXXX XXXX and always provided co-pay payment with each visit. At the end of XX/XX/XXXX XXXX ( AKA XXXX XXXX XXXX ) was sending me different amount due on my account. I made phone calls and two trips back up to XXXX settling the matter. As of XX/XX/XXXX I provided bank statements with charges applied that matched each visit. ( Basically did their job for them ). XXXX located at XXXX XXXX XXXX location in Kansas took the statements. I called her back a few days later and she said my account was paid in full. Now almost 2 year later I received a collection letter last night. When I spoke to my insurance company back in XX/XX/XXXX they told me all I would owe is the co-pay of {$65.00} for each visit. Which I have done and provided proof back in XXXX. Matter of fact I don't have copies of these statements because XXXX asked if she could have them to fix my account so I gave them to her. 
Last night I received a collection request from XXXX XXXX XXXX on account XXXX File # XXXX for {$62.00} owed. I have never seen this amount. Another new amount. I have documentation of the dated of service. I believe there could be fraud for all the different amounts they keep trying to bill me. 
I don't know what else to do. Please help.
Product: Credit card

I placed an order via Amazon on Wednesday, XX/XX/2024 for a XXXX XXXX XXXX for the amount of {$830.00}. On XX/XX/2024 I found a different monitor that better suit my needs ( The XXXX XXXX for {$590.00} before taxes ), so I cancelled that order and placed an order for a different monitor. I received a message indicating that my payment method needed to be revised, so I double-checked to see that my information was correct. I additionally went to see what my balance was. My available balance was correct, however a pending charge for the cancelled order was still showing. On XX/XX/2024, the authorization charge remains on my card unresolved and as a result, I am unable to make a purchase necessary for my job. I have attempted to call customer service to resolve this issue, but to no avail.
Product: Credit reporting or other personal consumer reports

Amsher & XXXX  collections has furnished a deceptive account to my credit file XX/XX/XXXX. I called both places asking for the payments I made on XX/XX/XXXX when I closed the account out & neither can supply the payment. The payment was in the amount of {$1100.00} for all equipment listed on the account when it was closed. They insist that I have a balance of {$120.00} in collections for a cellspot device that was not on my account. I have attached copies of the receipts from XX/XX/XXXX showing I paid off all equipment that was listed on the account. This was paid in store. I called the store to confirm I made this payment there on that day & the store was able to pull up the receipt & confirm that I paid off all of the equipment & advised that there must be a problem on customer service end. I am very frustrated with this situation. XXXX customer service has no notes of the ongoing problems I was having with them since XXXX when I disconnected my phone line ending in XXXX. I was married at that time. I separated from my husband XX/XX/XXXX because of domestic XXXX ( including financial abuse ) I got a XXXX  XXXX  against him. He was listed on the account as an authorized user & had a mobile line on there ending in XXXX. He took out various lines of credit & claimed he didn't. Even after the restraining order he upgraded his phone. I tried getting XXXX assistance in helping him take over the account because I hadn't had a device with them since XX/XX/XXXX. They advise me to keep him as an authorized user since that would be the only way he could take it over. He never would. I called customer service multiple times about this. They would 3way him & he would say he was going to pay the late bills & take over the account. Whenever the time came, he did not. Raking continuous late payments in my name. Finally, in XXXX I got to a place financially where I could pay the account off, remove him as an authorized user, & close the account. I forgot to mention I had the service turned off prior & he called to have it turned back on. After this I went into the t-mobile store ( listed on the receipts ) a few times until I finally just said forget it. I'll just have to take a loss on this. I asked them to pull up every device on the account so that I could pay them off when I close the account. You will see by the timing of the payments that I paid the equipment after the past due bill was paid & account was closed. All balances became due that day on all of the equipment. I paid it then & there. I have not heard of this other device that t-mobile claims I didn't pay.This has been the most stressful experience with them. I want this deleted from my credit immediately! This whole situation has been very misleading from dragging me through keeping my abuser on the line as an authorized user to furnishing this deceptive file. I hope this can be resolved amicably. I would rather not pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a promotion from Experian in XX/XX/XXXX via email and accepted the offer at the time. I paid a one-time fee to receive services for the annual year of XXXX that I never received. As a result of already having a credit monitoring service ( Discovercard ) of whom I have a trusted 30-year relationship with, and receive monthly digital reports, quarterly reports and hard copy quarterly reports via USPS, I determined in XXXX I did not need any further monitoring services like Experian. As I was preparing my XXXX quarterly tax reports, I discovered a charge of {$24.00} monthly since XX/XX/XXXX from Experian. I contacted them and learned that : XXXX ) They have been charging my bank automatically, without my permission the amount of {$24.00} since XX/XX/XXXX. 

2 ) I had not received any services or notifications from Experian via email or USPS mail EVER for these charges. 

3 ) I never received any service support, company communications, or personal reports that would alert me of our relationship. Nothing. 

4 ) When I contacted Experian regarding these charges, they agreed to cancel my account immediately but would not credit or refund the {$140.00} they fraudulently charged my bank account without my permission or acceptance. 

5 ) Instead, Experian advised me to contact my bank to reconcile this dispute. 

6 ) Further, they disregarded my concerns that my personal data had been compromised and this was instead, a security issue as I have had no interaction with their web services since XX/XX/XXXX as is easily documented from user tracking. 

7 ) This is not only about a refund of {$140.00}. This is about false promotional advertising that takes advantage of consumer 's engagement to learn more information about them, and in doing so-provides Experian access to one 's personal and bank information long-term, allowing them to store and leverage that information without permission or approval. 

8 ) This is also about tens of thousands of consumers like me that follow a promotional campaign online, and as a result, a year or years later, discover they have been charged fraudulently for no services delivered or value. Imagine the hundreds of millions of dollars I am trying to point out. 

I am contacting the CFPB for assistance in the investigation of this matter ; and to elevate this to the American consumer as I am sure, when posted, you will receive thousands of similar consumer experiences where, like me, we accept our losses as a bad mistake, while Experian continues to fraudulently mislead and profit from user data. 

I have NEVER charged my clients for services I never delivered. Why can financial service companies get away with this? This must be elevated and stopped and fiduciary penalties and consequences must be pursued, prosecuted and served. Thank you for your attention to this matter. I will look for your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, went to Mercedes-benzes of XXXX  XXXX and was discriminated against, and deceived, " I was told I did not met the criteria to extend my consumers credit because of unfair credit reporting ; as stated by law that shall be a considering factor in a consumers transaction. They acquired my personal info shared it and under 15 usc 1602 ( p ) I received no benefit in that consumers transaction.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX  {$8400.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX  {$3600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$960.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.