23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau - Equifax complaint XX/XX/2020 I have been unable to refinance a home mortgage because creditors can not access my Equifax credit report due to a security freeze. 

On XX/XX/2020 I unfroze my credit reports with XXXX and XXXX XXXX through their web interfaces, but when I tried to lift the freeze through MyEquifax.com the site said I was unable to do so and that I should call Equifax customer care at ( XXXX ) XXXX. 

When I called Equifax, I was given automated instructions to fax or mail documents verifying my identity. I faxed a copy of my California driver license along with other requested information that same day Wednesday, XX/XX/XXXX. 

On Friday, XX/XX/XXXX I called Equifax customer care again and this time I was able to speak to a representative. I asked if my fax had been received and when the credit freeze would be lifted. The representative said it takes up to five business days. 

On Monday, XX/XX/XXXX I called Equifax customer care again to get a physical address where I could mail the identity documents. That same day I sent via the US Postal Service a copy of the same identity documents that I had previously faxed. The letter was addressed to Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX. 

On Wednesday, XX/XX/XXXX I called Equifax customer care again and a representative told me he was unable to verify receipt of any of my documents. I faxed them once again to the number previously provided by Equifax, ( XXXX ) XXXX. Both times I sent the faxes I received verification from my fax service that the faxes were received. 

It had now been a week since I initially tried to lift the security freeze. The lender I was working with insisted they needed credit reports from all three bureaus. So I moved to a second lender, who ran my credit reports from XXXX and XXXX XXXX while waiting to run the Equifax report. So now I had two hard credit inquiries while still not being able to complete the transaction. 

Today, Thursday, XX/XX/XXXX, it has been over two weeks since my initial request to lift the Equifax freeze. I just tried to sign into MyEquifax.com and received the same message I received on XX/XX/XXXX : Please give us a call - We can't complete your request at this time. 
Please call the Customer Care team XXXX I have temporarily abandoned my attempt to refinance the mortgage and when I start the process again I expect to have lower credit scores with XXXX and XXXX XXXX as a result of the two earlier hard inquiries. There are also two faxes and one letter in some unknown location containing my most sensitive personal information. 

The lack of response and concern by Equifax in my opinion is unlawful and appalling.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information appearing on my credit report and to demand a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Despite my previous requests, you have failed to provide verifiable proof of the alleged accuracy of the disputed account ( s ), thereby violating your obligations under FCRA 611 ( a ) and 623 ( b ). Furthermore, your continued failure to properly investigate and correct these inaccuracies constitutes a breach of FCRA 617, which imposes liability for noncompliance.

Legal Precedents and Monetary Liabilities for Noncompliance Your failure to properly investigate and correct inaccurate reporting is not only a violation of federal law but has also resulted in substantial legal liability for credit reporting agencies ( CRAs ) and data furnishers in numerous cases. Below are examples of cases where courts have held CRAs and data furnishers liable for FCRA violations, resulting in significant monetary damages : XXXX. XXXX XXXX TransUnion LLC, XXXX XXXX XXXX XXXX ( XXXX ) The XXXXXXXX XXXX XXXX upheld a class-action lawsuit against TransUnion for improperly labeling consumers as potential terrorists or drug traffickers without proper verification. The company was ordered to pay over {$60.00} XXXX in damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was found liable for failing to properly investigate and correct inaccurate information on a consumers credit report, leading to statutory and punitive damages. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was held liable for failing to reinvestigate disputed accounts, resulting in an adverse impact on the consumers credit profile. The company settled for millions in damages. 
XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) XXXX was found to have negligently handled consumer disputes and was ordered to pay damages for emotional distress and reputational harm. 
5. CFPB Enforcement Action against TransUnion ( XXXX ) The Consumer Financial Protection Bureau ( CFPB ) fined TransUnion {$3.00} XXXX for failing to correct inaccurate reporting and misleading consumers about dispute resolution rights. 
These cases illustrate that CRAs and data furnishers who fail to adhere to FCRA regulations can and will be held accountable through legal action and financial penalties. Your refusal to provide verifiable proof of the accuracy of the reported account ( s ) places you in direct violation of your statutory obligations and exposes you to potential legal consequences.

Demand for Reinvestigation Pursuant to FCRA 611 ( a ), I demand that you immediately conduct a thorough and reasonable reinvestigation of the following account ( XXXX ) : XXXX XXXX XXXX reported late payments resulted from a system error by the bank. Kindly remove these late payments to accurately reflect a positive status. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

My card is has been declined through numerous merchants. Its not working at all. I called the company twice and I was told there was XXXX left on my card. It was declined from numerous merchants it was declined at XXXX XXXX  it kept saying card error and after numerous attempts to swipe the card and I even tried to swipe it at a restaurant a day or 2 ago and the cards not working. I called back and the rude represtatives refused to anything. I went through two different representatives and the one of the representatives kept telling me that she couldn't see any declined transactions and she refused to let me talk to a supervisor. She kept saying that the supervisor was going to say the same thing. She absolutely refused to anything for me. I can't use my money at all. I spoke with 2 different representatives from vanilla gift card.
Product: Debt collection

My personal information on the report is incorrect as well as the debt collectors information.
Product: Debt collection

Repeated phone calls by XXXX XXXX XXXX requesting payment of student loan debt. Last phone call was on XX/XX/2018 at XXXX pm, PST and asked to call back to XXXX.
Product: Vehicle loan or lease

My bank was drafted on XX/XX/2019 for XXXX. A copy of the bank stmt showing the withdrawal was sent to Nissan. It has been over 60 days and they still have not posted the payment to the account. A payment shows posted on XX/XX/XXXX for over XXXX, yet they are reporting to the credit bureaus XX/XX/XXXX being 30 days late. They are also reporting XX/XX/XXXX as being 30 days late. How can a XX/XX/XXXX payment be 30 days late when it is still XX/XX/XXXX?
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of All Previous Addresses from Credit Report Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to request the removal of all addresses from my credit report, except for my current address. Below are the details of my request : Current Address : XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, LA XXXX I would like to have all prior addresses removed from my credit report to ensure that only my current address is displayed. I understand that this XXXX require verification, and I am willing to provide any necessary documentation to support this request. 

Please confirm receipt of this request and let me know if any further action is required on my part to facilitate the update to my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/XXXX 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 # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

How times do I have to send in letters to make unlawful reporting lawful? As a consumer I request to know all the steps your agency took to ensure these items were 100 % accurate. Under USC 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I never received any documents which are required by law which is now a consumer law violation. You ( Experian ) were obligated to do a complete and 100 % accurate investigation on my disputes, that I sent out certified, I received results back on XX/XX/scrub>XXXX XXXX XXXX XXXX Experian online portal for XXXX XXXX XXXX XXXX XXXX and you CLAIM they came back verified?. 

USC 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

PLEASE SEND THE FOLLOWING INFORMATION USED TO VALIDATE THE ITEMS ACCORDANCE TO USC 1681i ( 7 ) and USC 1681i ( 6 ) ( B ) ( iii ) OTHERWISE DELETE THEM FROM MY CREDIT REPORT IMMEDIATELY accordance to USC 1681i ( 5 ) I would love to avoid litigation on this matter if possible. 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Request for Debt Validation Under FDCPA ( 15 U.S.C. 1692g ) XXXX  XXXX Acc # XXXX I am writing in response to your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I formally request validation of this debt before I take any further action. 

In accordance with federal law, please provide : Proof that I owe this debt, including a signed contract or agreement. 

A complete accounting of the debt, including the original amount, any interest, fees, and payments applied. 

The name and address of the original creditor, along with documentation proving you have the legal right to collect this debt. 

A copy of any judgment, if applicable, and proof of its validity. 

Your debt collector license information, if required in my state. 

Under 15 U.S.C. 1692g ( b ), you must cease collection efforts until you have properly validated this debt. If you can not provide the requested validation, I expect this debt to be removed from my credit report and that you will cease all collection activities immediately. 

Please respond to this request in writing within 30 days of receiving this letter. If you continue to attempt collection without proper validation, you may be in violation of federal law.
Product: Credit reporting or other personal consumer reports

XXXX, is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( me ) and the person ( XXXX  ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( Experian, XXXX, XXXX ) XXXX the XXXX knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charg-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website, from my Consumer Report. By Definition, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX  for the cancelled debt of {$1800.00} in order to file as ordinary income. Where is my XXXX? XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater XXXX { {$600.00} }. This is unsatisfactory! XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. Experian, XXXX, and XXXX are not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX must also refund the remaining balance of the consumer account upon its termination.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING ACCOUNTS ARE IN ERROR AND IN FACT CAUSE OF IDENTITY THEFT. THE FOLLOWING ACCOUNT WERE OPENED ILLEGALLY ALONG WITH SOME MALPRACTICE TAKEN BY THE CREDITOR AND CREDIT REPORTING AGENCIESXXXX XXXX XXXX  Account XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Opened XXXX XXXX XXXX
Balance XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account XXXX XXXX  Date Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I thought I was consolidating my student loans to combine them to XXXX and make XXXX payment. But my account was sold to a third party XXXX of XXXX and I have been making payments of XXXX ever since. I was told by the third party that the XXXX} was being applied to my student loan and they would take care of my recertification every year. I received and email from my Loan provider saying they have not recevied a payment for my student in 2 years. I have tried contacting the third party company XXXX Equitable Acceptance Corporation XXXX but I have yet to receive a response. They also report to the credit bureau. I still have a balance of XXXX remaining with them.
Product: Credit reporting or other personal consumer reports

This hard inquiry is fraudulent I didnt authorize it XXXX XXXX XXXX XXXXXX/XX/2023 please delete it from credit report.
Product: Debt collection

This debt collectors has violated the fdcpa 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. 


This collection was disputed and was removed from my credit report because it could not be validated. This company has now re-repored this known inaccurate information and has caused financial harm and difficulties by knowingly reporting this information on my credit report. This is not acceptable and saying they did not know is bull. I want to be compensated for this direct violation of the fdcpa and these illegal tactics.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was connected with a XXXX XXXX who told me that she was a XXXX XXXX employee and could get me set up with airline passes. She told me the form of payment would be Cash App and that I could send it there. I paid {$1500.00} for the flight passes and we unable to get my money back through Cash App or through XXXX XXXX after that proved to be a scam.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The XXXX credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern i recently finished an investigation and my report came back up dated, however there are still violations on my consumer report. The image attached below i have circled are errors on my report. I asked to remove all late payments for it is in violation of the Fair Credit Reporting Act. A consumer has a right to privacy and i have NOT given you any written instructions and my account has been furnished. Please fix this matter.
Product: Credit card

) Credentials associated with a XXXX debit card ( ending in XXXX ) were fraudulently obtained and exploited to initiate a substantial volume of unauthorized transactions over several months, totaling more than {$XXXX} through the CashApp platform. 

Details of Unauthorized Transactions : Upon reviewing our XXXX bank statements, we discovered that our account ( ending XXXX ) was subject to thousands of unauthorized withdrawals. These withdrawals occurred with high frequency and were for small, recurring amounts typically {$XXXX}, {$XXXX}, and {$XXXX} transactions. To illustrate, on XX/XX/year>, over XXXX XXXX such withdrawals were processed in a single day by what appears to be a single user. 
Given the nature, volume, and frequency of these transactions, we believe that CashApp, which asserts its commitment to fraud detection and prevention, should have flagged this unusual activity as potentially fraudulent. No notification was sent to us or to XXXX, and no action was taken to prevent continued unauthorized access to our account, which we consider a lapse in XXXX duty to monitor and secure the platform against suspicious activity. 

According to standard principles of fiduciary responsibility and risk management, CashApp has a fundamental obligation to prevent misuse of its platform, especially when transactions follow a pattern consistent with fraudulent behavior. Federal and state regulations mandate that platforms such as CashApp utilize fraud detection software responsibly to protect consumers and act to limit fraudulent activity. 
Given these obligations, the lack of action from CashApp to detect and alert either us or our financial institution, XXXX Bank, constitutes a breach of its stated policies and regulatory requirements. The substantial amount of {$XXXX} and the extent of unauthorized activity further underscore the responsibility of CashApp to reimburse the amount fraudulently withdrawn. 

We are prepared to provide a comprehensive list of all unauthorized transactions as reflected in our monthly XXXX statements. Additionally, we consent to XXXX providing any necessary account information to facilitate an investigation and resolution on your end.
Product: Debt collection

Ive asked for proof of debt with company, and did not receive a response. Its reported on my credit report as they validated debt. 
Ive also receive multiple texts and calls form them about owing them money
Product: Debt collection

I explained to them I have never reside in Alabama.I am Georgia resident.I told them they have the wrong person.I ask them was this a mistake on there behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following reports are causing defamation to my character and livelihood and in violation of sec. 15 USC 1681 b Please DELETE the following accounts XXXX acct # XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX
Product: Mortgage

I initially sent XXXX the 2021 taxes with the understanding they were not filed, and the schedule C could change depending on accurate receipt count. XXXX failed to perform her due diligence and as a result the SC First Time Home Buyer Program, and the money needed for closing until the week of our set closing date. Nonetheless she continued to pitch and sell the idea to us, having us complete and wait for something for which we were never qualified. My issue with Caliber was not the information requested but their lack of fact checking and ensuring that we could close within a reasonable period.