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

XXXX, XXXX and Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct reasonable reinvestigation of disputed information on my credit report, leaving innacurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where they have neither corrected, nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective actionto remove disputed accounts, as their inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 Section 602 A state I have a right to privacy.

15 U.S.C 1681 SECTION C MO CONSUMER REPORTING agency may make any of the following items of information and other adverse item information other then records of convictions of crimes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a 100 % combat XXXX veteran, Navient ( my account Number XXXX ) has been listed as paid charge off, I am a XXXX veteran, the military paid this account because I was XXXX and therefore was not a charge off. this was taken off my report t XXXX time as the other XXXX XXXX have reported. they are insisting that this is a paid charge off, do I need to sue them, I will, I'm sick of equifax, their unwillingness to take this off cost me a personal loan I was trying to get. please let me know how I need to proceed with this unfair company. I can not help that I was injuryed in a XXXX XXXX, I can not help if the Government was late paying, thats if they were late
Product: Credit card

I tried to apply for a Secured Credit Card with Discover. I decided to apply online and everything was fine until I got into the SSN ... I do not have a SSN from the SS administration but, I do have credit. Many of the credit bureaus have requested from me a letter from the SSN that I dont have an active SSN, ( I have this letter also ) so they are using my ITIN # and my Passport Number to verify my identity. This is not the first CC I have, I have XXXX with XXXX XXXX XXXX and XXXX with XXXX Bank. The reason for me to apply here is because I would like to diversify my credit by asking credit to other institutions. When their webpage forced me to enter a SSN I decided to open a chat ( which I can send you back as a transcript ) and talk to them on having an alternate method to verify my identity. I think I was discriminated as they denied to accept other document to verify my identity ( my passport for example ) even if I can prove from the SS Administration that I do n't have XXXX, basically they told me : if you do n't have a SSN you can not have credit. They told me this was just to verify my identity but, I think they would be able to do that by other ways, they just do n't want to. Please HELP.
Product: Mortgage

My name is XXXX XXXX, I live with my sister-in-law, XXXX XXXX and my Husband XXXX XXXX, we have been renting together for 4 years and finally were able to purchase a home. We found a home in XXXX XXXX California, XXXX XXXX as a Realtor for XXXX XXXX placed an offer on the property in question on XX/XX/2018 with a closing date of XX/XX/2018. XXXX XXXX was the purchaser originally. XXXX appplied for a mortgage with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, this is a lender XXXX worked with on a Wholesale relationship thru Professional Mortgage Associates his Wholesale Mortgage Broker, he is a Realtor and Loan Agent for PMA. XXXX XXXX XXXX after approving the loan and knowing the dynamics of this loan as far as applicant relationships rejected the loan because they did not want the Buyer to be related to the Realtor since that is her sister, therefore we suggested I buy the property since we all live together it did not matter to us, but they rejected that as well since I am married to the Realtor, then they refused to work with PMA as the broker since XXXX also works fro PMA and rightful so since his Broker 's License does not exclude him from doing so. Therefore we had to apply with a different Broker and pay unnecessary fees for the loan because XXXX was not able to do it in his name. Then they came back one more time and disallowed XXXX from representing me XXXX, because we were married. Therefore we had to find a Realtor to represent us and a broker to do the loan increasing our costs to acquire this loan, and keeping XXXX from earning a compensation for the Real Estate Transaction. Then ... they had me backdate documents after closing of the loan for " compliance '' I am speaking of all initial disclosures, LE etc..we know better but at this point we had a XXXX in escrow that the seller were threatening to take since we removed the contingency, furthermore this was a serious loan since we put 30 % down payment on a XXXX purchase. We were tormented thru the process, required to pay additional fees and forced to give up compensation for Real Estate. this was a disregard for RESPA and Fair Lending etc ... Please help
Product: Mortgage

I was under XXXX XXXX and my condo went into foreclosure in XXXX ( index XXXX ) I have made several attempts to modify my loan with XXXX XXXX XXXX In XXXX, I was approved for a modification ( HAMP ) federal government modification program. I qualified for this program and made all payments on time for a final mod. XXXX XXXX received over a year worth of payments for the HAMP modification and then denied it. All the payments made disappeared from my account and XXXX XXXX tells me that they cant find the payments or information regarding the HAMP Modification. I have copies of the acceptance letter, checks and statements that show my payments. XXXX XXXX continues to take all the equity my apartment may have by adding excessive fees and trying to still foreclose on my property. They have violated the law and are discriminating against me with their abusive practices. I made every attempt to keep my property from foreclosing but XXXX XXXX refuses to approve an affordable modification.
Product: Credit card or prepaid card

I received a card from XXXX on XX/XX/XXXX that I never applied for or approved. I called on XX/XX/XXXX to cancel the card and have the hard inquiry performed on my credit removed. I have yet to receive any confirmation that the card was cancelled or that my creidt score will be restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the same information was erroneous. The XXXX credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXXXXXX Balance : XXXX, XXXX XXXXXXXX Balance : XXXX, XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I opened a santander Simply Right Checking account on XXXX XXXX and used a promo code to get {$250.00} if certain requirement are fulfilled such as direct deposit and bill pay. I fulfilled the requirements but did n't get the bonus because my account was closed on XXXX XXXX. According to the bank the account was closed because they did n't receive my signature card. I did send them the signature card and am not sure why they have n't received it. In addition, they did n't not notify me prior to closing my account resulting in some of my bill payments getting reversed costing me in fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inaccurate and incomplete information regarding a student loan. Im attaching additional documents. The balance is higher than the high credit. And the report is incomplete in its entirety.
Product: Payday loan, title loan, or personal loan

Account was sent to collection agency - Diversified Recovery Services. I 've asked not to be contacted at work, but calls continue.
Product: Payday loan

on XX/XX/XXXX I signed up for a loan from " CHECK n GO '' a payday loan office in XXXX, ca. I have been getting a payday loan from them for a number of years and was a very good customer. this office is very busy with just one girl working the desk. On this day XXXX when I was paying my {$300.00} loan she said to me " would n't it be nice to not have to drive all the way down here every month? She said we can sign you up for a {$2600.00} cash loan and you can pay back directy out of your bank account. On that day I did n't have my glasses and I am very hard of hearing ... .I am XXXX yrs. old. I was confused and frustrated since I literally could n't see or hear. all that I was sure she said is that I could save myself a trip every month. I planned to continue to do business with them as my social security just is n't enough to get by on. next she presented me with the loan papers..all of this done in a very rushed manner. I tried to make out the figures of the papers, but I could not. I remember asking her several questions for clarification, but between being XXXX and the other people all talking at once { they were complaining about how long I was taking } finally, thinking I had a fair grasp of what I was doing I signed up. I assumed there would be interest attached to this loan. INTEREST was never mentioned or pointed out to me and of course if she had pointed it out or spoke it ... I NEVER WOULD HAVE EVEN CONSIDERED SIGNING THOSE PAPERS OR BEEN THE SLIGHTEST BIT INTERESTED IN THIS DEAL. upon arriving home I finally reviewed the papers and I almost had a XXXX XXXX. I had just signed a loan with 103 % interest rate. MY WHOLE WORLD FELL APART IN ONE SECOND. ihave always been very proud of myself in being able to take care of myself and making good decisions ... now they would be taking out {$280.00} out of my bank account starting XX/XX/XXXX for 16 months. The amount I will have paid them is {$4800.00}. So far I figure I have paid them eight payments total of {$2200.00}. That pays the interest { which they take out first } THE PRINCIPAL REMAINS. wHEN I READ TIME this month I was thrilled to know that an agency has been created to protect consumers. I have no idea if you can help me? I no longer will make any finantial decisions on my own. thank you
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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 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: Credit reporting, credit repair services, or other personal consumer reports

this account should not be reporting late, i called the company several times, and they stated they would take care of it. XXXX XXXX  XXXX XXXX is the only account number shown on reports
Product: Credit reporting or other personal consumer reports

this XXXX fraudulent account, XXXX XXXX XXXX XXXX for XXXX, ive had problems wuth identity theft .this account was open with open with out my permission, i do not have knowledge of this account, i want this account removed from my credit report immediately, im filing this ftc identity theft report because my identity and all my information has been leaked on the dark web, i do not owe XXXX and i ask that this account be removed and deleted off my credit report, this collection had harassed me before this account they its fraud and i want it blocked from credit report i am a victim of identity
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the Ally Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XX/XX/2025 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Information Violation of FCRA and CFPB Consent Order To Whom It May Concern, This is a formal dispute of inaccurate and unverifiable information on my Equifax credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681. Your company has a legal obligation to conduct a reasonable investigation of disputed items and provide a thorough, good-faith review of the accuracy of the information. However, recent actions by the Consumer Financial Protection Bureau ( CFPB ) confirm that Equifax has failed to uphold these legal obligations. 

the CFPB ordered Equifax to pay {$15.00} million for improperly investigating consumer credit disputes. This enforcement action proves a clear pattern of negligence and noncompliance with federal law regarding consumer disputes. If Equifax failed to properly investigate my dispute as required by the FCRA, then the continued reporting of inaccurate information constitutes willful noncompliance, exposing your company to further legal consequences. 

The following items on my report are inaccurate, unverifiable, and causing undue harm to my creditworthiness : All balance, fraudulent accounts, incorrect payment history, etc. 

Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified as accurate within 30 days, you must delete it from my report immediately. Any failure to comply with this request will be viewed as a willful violation of federal law. Given the CFPB 's recent enforcement action against Equifax, I will not tolerate any further mishandling of my dispute. 

If you fail to properly investigate and resolve this matter, I am prepared to escalate my complaint to : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My states Attorney Generals office Potential legal action for damages due to your continued violations of the FCRA I demand a written response confirming the deletion of these inaccurate items within 30 days as required by law. Failure to comply will result in immediate escalation of this matter. 

This letter serves as an official notice under the FCRA. Preserve all records related to my dispute, as failure to properly investigate may subject Equifax to additional fines and legal liability. 

I expect a timely, lawful response and full compliance. 

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

This is my other Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) XXXX and TransUnion Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$590.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I WAS NEVER LATE ON THE PAID OFF ACCOUNTS SHOWN BELOW PLEASE SHOW ME DOCUMENTATION SHOWING PROOF OF TRANSACTION SHOWING I WAS EVER LATE TO SUPPORT YOUR INACCURATE REPORTING OF MY ACCOUNT IF YOU CAN NOT SUPPLY THESE PLEASE DELETE THIS ALLEFED LATE PAYMENT FROM MY CREDIT REPORTYOUR DISPUTE REASON SHOULD BE THAT THIS IS AN invalid late payment. FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the following accounts and inquiries from my credit report, as I am a victim of a data breach. These accounts were opened fraudulently in my name, and under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these unauthorized accounts blocked and deleted from my credit file.

Fraudulent Accounts to Block and Delete : XXXX. XXXX XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$3800.00} XXXX. XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$980.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX  XXXX XXXX Account Number : XXXX - XX/XX/XXXX - {$1200.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$170.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$1400.00} XXXX. XXXX - Account Number : XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2000.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$920.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX  - Account Number : XXXX - XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX - Account Number : XXXX - XX/XX/XXXX - {$2400.00} Fraudulent Inquiries to Block : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ive asked for my personal in formation to be updated and it still is not. I want all unverified addresses and names updated to one name with is XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX, MI XXXX
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, 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 

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 has reasonable cause to believe that the information is inaccurate.

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. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX