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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint Against Equifax for Violations of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax, a consumer reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 U.S.C. 1681 and its related sections.

Equifax has failed to adhere to the legal obligations outlined in the FCRA, particularly : 1. **15 U.S.C. 1681e ( b ) ** : Equifax has not followed reasonable procedures to ensure the maximum possible accuracy of the information reported in my consumer report. This negligence has resulted in inaccuracies that have adversely affected my creditworthiness. 

2. **15 U.S.C. 1681b ( a ) ( 2 ) ** : Equifax has furnished my consumer report without my written consent. As a consumer, I have not authorized Equifax to disclose my credit report to any third parties without my explicit written instructions.

3. **15 U.S.C. 1681e ( b ) ** : Equifax 's continued assertion that my XXXX XXXX XXXX account is not being reported is both misleading and erroneous. The reality is that Equifax has deleted this account from my credit report without just cause and has refused to include it, despite it being reported by XXXX XXXX. This action is a blatant violation of the requirement to maintain accurate and complete consumer reports. 

I have made numerous attempts to resolve this issue directly with Equifax, but their responses have been inadequate and dismissive. Their refusal to accurately report my XXXX XXXX XXXX account has caused significant harm to my credit profile, which is unacceptable. 

I urge the CFPB and FTC to take immediate action against Equifax for these violations and consider enforcing penalties that may compel them to adhere to the FCRA. My experience demonstrates a pattern of neglect and a blatant disregard for consumer rights, warranting serious examination and potential legal action.

Please keep me informed of any developments regarding my complaint. I appreciate your attention to this matter and look forward to your prompt response. 

Sincerely,
Product: Credit reporting

Transunion has refused to provide me with online access to my credit report, claiming there are XXXX accounts associated with my social security number and has refused to provide details regarding the fraudulent usage of my SSN. They 've also refused to delete the inaccurate account associated with my social security number, claiming their information is correct. I submitted information regarding my identity, but they have refused to resolve the issue. If this is a case of identity fraud, they claim their information is accurate and refused to allow me to access my credit report online or off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX. On XX/XX/XXXX the car in the loan was totaled by another driver. XXXX XXXX was responsible and paid off the vehicle in early XXXX. On XX/XX/XXXX XXXX contacted me regarding a remaining balance. I paid for the remaining balance to close the account on XX/XX/XXXX. On XX/XX/XXXX I received a late notice for my car payment for the account that was closed. I called to address the issue. XXXX advised they would call back. They never did. XXXX filed with the credit reporting agencies that I am deliquent on this account. The car is paid off and they now say I owe another {$700.00}. They also reduced my credit score by 100 pts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested thru AnnualCreditReport.com my yearly FREE credit report on Equifax TWICE and NEVER received my FREE Report. When I was able to get an Equifax report by paying for a service elsewhere, then several times I tried to " Dispute Equifax '' on the Equifax website. Their " Dispute Equifax '' form opened up ( XXXX XXXX XXXX ) but unless you had a 10-Digit complaint number, The website form would never connect and it would get you no-where.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and disputed this erroneous account. I am now requesting proof of the previous investigation of account XXXX-XXXX XXXX account number XXXX. As this erroneous account has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXX XXXX ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in 15 days remove the account from my credit file and send me a copy of my updated credit report. If failure to comply I will seek monetary compensation for violations pursuant to Title 15 1692k.
Product: Credit card

I applied for a NFCU credit card.. I was approved and fell behind on my payments. Well the agreement was XXXX per month, however they take funds out of your account without consent nor notification they do this at least three times a month even with the set rate agreement and the agreed upon date that it is supposed to be taken out.. When you call and complain they bully you into saying they can do that and that's their right! They need to be fined and stopped! IMMEDIATELY!
Product: Credit card

In XX/XX/XXXX I financed an air-conditioner for my rental condo. It turns out that XXXX finances with Wells Fargo. 
On XX/XX/XXXX I received XXXX credit cards, XXXX in my name and XXXX in my husbands name. The heading states " We 're glad you 're our credit card customer ''. 

**I am NOT their credit card customer and never asked to be. I will be calling and canceling these credit cards asap!! 
I do n't even know if there is an annual fee or what the interest rate is.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXX XXXX since XXXX. XXXX passed away in XXXX of XXXX and now XXXX XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.
Product: Credit card or prepaid card

I was trying to use my Express credit card on XX/XX/17 and it was declined. I was confused as to how that can be when it shows that I have available balance and wasn't past due on my payment. I contacted XXXX and the representatives referred me over to Comenity Bank, its financial servicer. The Comenity reps and supervisor advised me that there was an internal software glitch over the summer which still left accounts like mine to still have issues. Comenity told me that they will have to submit this issue over to its IT department and have them to correct my account. A couple of days passed by and I noticed on my current credit report that the XXXX account 's status was shown CLOSED. I immediately contacted XXXX and their chat representative indicated that it was indeed closed. I explained to the representative that I never requested for it to be closed and he referred me once again to Comenity Bank and I spoke with one of the supervisor 's named XXXX. 
He did see that I reached out to Comenity Bank on XX/XX/17 and he submitted a 2nd request form to the IT department. He said also will submit a form to have the credit tradeline to reflect that it should be opened. However, it didn't sit right with me that when I originally reached out to Comenity ( XXXX ) nothing has been resolved yet. So who's to say that they will resolve this the 2nd time?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion dismissed my evidence because of their criteria. I disagree that an email from XXXX XXXX stating that " my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the " disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's criteria, should adjust there criteria as it is valid. 

I have contacted XXXX XXXX several times about the problem, but they have not responded. I have initiated a complaint with the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSES TO VALIDATE AND VERIFY THE ACCURACY OF MY CREDIT REPORT! THEY ARE EVEN REFUSING TO LOOK INTO THE MATTER AGAIN STATING THEY ALREADY INVESTIGATED THE MATTER! 

PER 15 USC 168XXXX CREDIT BUREAUS HAVE A GRAVE RESPONSIBILITY of the following : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

I WANT THEM TO STOP REPORTING THE XXXX FINANCIAL ACCOUNT AS CLOSED WHEN IN FACT IT IS OPENED! I HAVE A LETTER FROM XXXX FINANCIAL THAT THE BUREAU REFUSES TO HONOR. 

REPORT THIS ACCOUNT AS OPENED IMMEDIATELY!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices in violation of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on its platform, leaving my account unprotected and vulnerable to unauthorized transactions. 

Additionally, the companys dispute resolution process was unfair and deceptive, as it did not comply with the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. By failing to uphold these legal obligations, Cash App has caused significant financial loss and inconvenience. I seek appropriate redress for these violations.
Product: Checking or savings account

am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transactions settled with insufficient palances despite initially available funds. 
believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX POWERS XXXX AV XXXX XXXX XXXX FL XXXX XXXX These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XX/XX/XXXX, XXXX XXXX I have consistently sent letters to Transunion about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have XXXX points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXXXXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but transunion allowed a inquiry
Product: Debt collection

XXXX XXXX XXXX XXXX have filed a false judgement against myself and my property. The judgment was secured without me being able to represent myself in court. I was not notified or anything.
Product: Credit reporting or other personal consumer reports

Approximately XXXX of XXXX I lost my job due to XXXX. I had reached out to the company who agreed they would provide reduced rates or payment terms and assistance during the time needed as the president had stated as well. I called several times and was hung up on several calls. I paid properly before that. I fought back as the reduced rate or payment never happened. The interest kept going up and they closed the account. There was never a question of owing. But I needed the amount worked out. Now a debt collector owes it and they call me looking for the wrong amount. 

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

On XX/XX/XXXX I settled a collection account with XXXX XXXX XXXX, collecting on behalf of the original creditor XXXX. The settlement amount offered to me by XXXX was {$900.00}, which was paid via credit card ( see attached payment receipt ). At the time the account was settled onXX/XX/XXXX, XXXX had not yet been reporting the collection account on my credit report ( see attached 3-in1 credit report showing collections only, datedXX/XX/XXXX ). However, inXX/XX/XXXX, over a month after I paid the XXXX collection account, the collection agent [ XXXX ] reported a new collection account to the credit bureaus with a retro open date of XXXX. 
In XX/XX/XXXX, I spoke with a XXXX collection agent who informed me of the original creditors [ XXXX ] collection charges, and in response to whether the collection was on my credit report, I was told by the collection agent that the account was not yet reporting and would not report if I paid the debt prior to XXXX submitting the collection status to the credit bureaus. I, in turn, indicated that I would pay the account but only after I filed dispute with XXXX due to a discrepancy in the amount. The discrepancy was somewhat rectified and thereafter, I contacted XXXX again on XX/XX/XXXX. The collection agent stated the amount of the debt was {$1000.00} which was settled for settled for a lesser amount of {$900.00} ; account was paid over the phone directly with the XXXX collection agent on XX/XX/XXXX via credit card. Additionally at the time of payment I inquired with the XXXX collection agent as to whether the account was reporting to my credit and again, I was told the collection account was not yet reporting. 
I have credit monitoring for the 3 credit bureaus, and inXX/XX/XXXX I received a credit alert that a new collection was placed on my credit file, and as a result my credit rating was adversely impacted and my credit scores had significantly decreased. Since the XXXX collection was settled prior to the account being reported, I filed dispute with the three major credit bureaus, Trans Union, XXXX and XXXX. To no avail, the dispute was closed indicating that the account was being reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an unwarranted student loan that has been reported on my credit report to my knowledge since XX/XX/2020. I have been disputing this since 2020 to no avail. I feel defeated and helpless at this point. 

I am appalled that XXXX/Dept of XXXX and Utah XXXX XXXXDept of Ed has continuously reported inaccurate information on my credit report causing damage to my lively hood, preventing me from purchasing a home, a higher interest rate, and credit denial. XXXXDept of Ed and Utah XXXX XXXXDept of Ed has failed to mark my credit report disputed, failed to respond in the allotted time, and failed to provide my signature violating the debt. I have also attempted to dispute this with XXXX, Experian, and XXXX who also did not provide any of the requested information per the guidelines of the FCRA. Therefore the Item in question should have been removed, not to mention it doesn't belong to me. I have kept careful records of all records pertaining to this matter. 

I want the debt to be fully removed from my credit report. I am also asking XXXXDept of Ed to compensate me the amount of {$5000.00} for violating the FCRA as well as punitive damages.
Product: Student loan

Began repayment of these loans in XXXX of XXXX. After getting information about the Public Student Loan Forgiveness program, I consolidated my loans XX/XX/XXXX. The loan servicer was then changed from XXXX to Mohela. I used the PSLF help tool at Federal Student Aid website to qualify my employers. I have three qualifying employers : XXXX XXXX XXXXXXXX XXXX worked from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXworked from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-worked from XX/XX/XXXX XXXX XXXX 

I submit my PSLF form to MOHELA, and was told if you have Direct Loans and work for a qualifying employer, you will receive a count of the number of qualifying payments you have made toward both PSLF and TEPSLF. The current number of qualifying payments is XXXX. However, this does not take into account my qualifying payment from XX/XX/XXXX to XX/XX/XXXX. 

This loan should have been forgiven long before XX/XX/XXXX. I have a payment scheduled for XX/XX/XXXX. I have submitted W-2 's, signed forms from the employer and still no adjustment to my payment count. Please help me. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXXXXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Acct Number XXXX Balance : {$2000.00} XXXX XXXX Acct Number XXXX Balance : {$0.00} XXXX  XXXX Acct Number XXXX Balance : {$0.00} XXXX  Acct Number XXXX Balance : {$0.00} XXXXXXXX XXXX Acct Number XXXX Balance : {$2600.00} FNBO/CCS Acct Number XXXX Balance : {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.