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

I am submitting this formal statement regarding EQUIFAX failure to properly investigate disputes in accordance with the Fair Credit Reporting Act ( FCRA ). Despite my repeated efforts to dispute inaccurate information on my credit report, EQUIFAX has failed to conduct a reasonable investigation and has continued reporting erroneous data. 

EQUIFAX continues to respond within 24 hours stating that the accounts are accurate without proper investigation and proof of accuracy. 

Disputed Account ( XXXX ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Department of EducationXXXX XXXX XXXX XXXX XXXXXXXX According to recent findings from the Consumer Financial Protection Bureau ( CFPB ), EQUIFAX has been found to improperly handle consumer disputes, failing to conduct thorough investigations and often maintaining inaccurate data despite clear evidence to the contrary. My experience aligns with these findings, as EQUIFAX has either dismissed my dispute without adequate verification or has not responded within the legally required timeframe. 

Under the FCRA ( 15 U.S.C. 1681i ), EQUIFAX is required to : 1. Conduct a reasonable investigation of disputed information.

2. Correct or delete any inaccurate, incomplete, or unverifiable information.

3. Respond within 30 days of receiving a dispute. 



EQUIFAX ' failure to comply with these legal obligations has caused undue harm to my credit profile, potentially affecting my financial standing, loan eligibility, and overall creditworthiness. If EQUIFAX does not take immediate corrective action, I will escalate this matter to the CFPB, Federal Trade Commission ( FTC ), and, if necessary, pursue legal action for violations of the FCRA. 

I demand that EQUIFAX immediately conduct a proper investigation, correct or remove the disputed information, and provide written confirmation of the resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a crypto transfer from this company and after XXXX hours they have still not even attempted to initiate the transfer which usually processes within 30 minues. I wasn't provided a trace number or reasonable explaination as to why? The only response was that they have up to 24 hours to complete the transfer. The 24 hours is only a stipulatio that applies when the blockchain is congested or there are system issues. The agent, XXXX at Robinhood  chat support, that I spoke with confirmed there was no reason for the delay and that the transfer just wasn't being done yet. They confirmed there weren't any congestion or system issues causing the delay. When I requested a reversal of the coins back to my account t they refused and also refused to transfer me to a supervisor.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

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

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

XXXX XXXX ACCT # XXXX Date Opened : XX/XX/2020 I did a thorough investigation myself and noticed various inaccuracies. I have already tried fixing this problem with the company. 

In accordance with the Fair Credit Reporting Act XXXX  Account # 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 an account without my written instructions.
Product: Credit card or prepaid card

I used PayPal to make a purchase for a XXXX on XX/XX/XXXX. The total of {$110.00} was taken from my account. I never received the item. I reached out to PayPal to make a claim on XX/XX/XXXX. I let them know I never received any tracking information and did not receive the XXXX. On XX/XX/XXXX Paypal had a XXXX tracking number on the order. I went to XXXX to look up the tracking number, it said it was delivered on XX/XX/XXXX under the carport. I have no carport at my residence so I filed a claim with XXXX. I messaged PayPal that this wasn't delivered and I was asking for a refund. I have tried to speak with an actual person at PayPal to no avail. They denied my claim because they were given a " tracking '' number. Every time I message PayPal on this matter they automatically close the claim. As of today I still have not received the XXXX and had no actual help from PayPal.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Debt collection

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT.

I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT.

I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA XXXX XXXX you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited tohold you accountable for your willful noncompliance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate late payment entries on my credit report for my XXXX XXXX account. Despite my adherence to a payment plan that reduced my monthly payments and included a {$150.00} payment made on XXXX XXXX XXXX  which was processed successfully, XXXX XXXX has misreported my payment history. This error directly violates my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), which mandates accurate and verifiable reporting. XXXX XXXXXXXX, one of the four major credit bureaus, has already corrected its reporting to reflect no late payments, as evidenced by the attached documentation. These inaccuracies have caused undue harm to my creditworthiness and financial opportunities. I urge XXXX XXXX to immediately correct these errors, ensure compliance with the law, and provide confirmation of updated reports to all affected parties. Failure to resolve this matter will prompt further action with regulatory authorities to protect my rights. 

I have attached all supporting documentation, including evidence of the payment made on XX/XX/scrub>XXXX XXXX XXXX history of internal reporting of payment and their inconsistency, proof of my payment plan enrollment, my social security card, my id, my most recent bill ( proof of address ) and a screenshot from XXXX reflecting accurate reporting. 
Please address this dispute within the XXXX period required by the FCRA.
Product: Debt collection

" New Issue '' GLA stated they verified this debt using E-Oscar. The law requires all relevant information meaning documentation be sent directly to the credit bureaus. How did you verify this debt using E-Oscar to the credit bureaus, did you not use a 2 or 3 numeric code to verify and if so I will be seeking a violation under section 623 ( a ) ( 8 )? I never received any notice of my right to dispute nor any correspondence to my mailing address of a debt validation letter on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Fraud, I expressed this to Capital One Bank. No investigation was conducted and my account was sent to XXXX XXXX for {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not consented One Main to access my credit. However, there is an inquiry reporting from them.
Product: Credit reporting or other personal consumer reports

from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of inquiries which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Social Security Number : XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Unauthorized Identity Theft Hard Inquiries Dear Equifax XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. Upon recent review, I discovered several inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized identity theft inquiries are as follows : XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) Factual Data- XX/XX/XXXX ( Equifax XXXX XXXX & XXXX - XX/XX/XXXX ( Equifax XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX - XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) XXXX XXXX XX/XX/XXXX ( Equifax ) Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed copies of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted. 

Additionally, I have submitted an FTC report to the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 

Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate confirmation once the removal is completed or any further steps I may need to take to resolve this issue. 

Thank you for your prompt attention to this matter. 

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

To whom it may concern, XXXX XXXX XXXX I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account XXXX XXXX. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Product: Credit reporting or other personal consumer reports

I seen a hard inquiry today on credit karma and email. I didn't apply for any loans it's say some CIC MORTGAGE.i don't know who they are why they run my credit report.
Product: Money transfer, virtual currency, or money service

I have an XXXX XXXX account and Chase bank will not update my current balance in my account ... Which leads to it still saying I can not cash out because my balance is too low, which is incorrect now since I just got paid, it 's just chase has n't updated that yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out several times to XXXX  & Equifax, to have the lates removed from my report, because XXXX erroneously reported me late, and after several months of this back and forth, its still showing on my credit report the incorrect data and payment history, which XXXX   falsely recorded, and still hasnt corrected. enough is enough, i am looking to get mortgage financing in the next few months, and this erroneous reporting, is destroying my credit scores. I have tried several times to rectify this online & by calling, with both bureaus, enough is enough. Also, CFPB, if you refer back over the last several months, you shall see that i have submitted to claims of XXXX erroneous & disastrous errors, which i provided to XXXX  & Equifax, and they disregard completely, especially, the part which reflects that XXXX was 100 % wrong, admiited it, and reported erroneously.
Product: Checking or savings account

I dont owe keybank no money ive been calling them and they sent me to consumer reports i cant even open a checking account. I had gave access to sumbody thats why my account got closed but i never owed a {$1.00}
Product: Credit card or prepaid card

I have a Care Credit Card sponsored by Synchrony Bank. I only used the card XXXX : 1st for my purchase of a dental plan with XXXX XXXX. The second time I used it was for my dog 's XXXX on XX/XX/23. I called customer service to find out : when purchase of the dental plan was made & how much did it cost. I want this information because I have a dental plan option to purchase, & I want to see which plan is better buy. I tried to use the on-line chat, but they could not help. I then tried to call customer service & they too could not help & even dropped the call. So, I was NOT able to complete my inquiry & get a reasonable response. In fact, NO response @ all. Very poor customer care which is ridiculous since I only used the credit card XXXX!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to Equifax, XXXX, and XXXX. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased several XXXX prepaid XXXX gift cards from XXXX 's XXXX. Later that day I discovered I lost a card. I called the card customer service number ( XXXX XXXX ). At that time the representative issued a case number and asked me to send copies of the receipt and my driver 's license. I sent the requested information that day. The representative told me they would cancel the lost card and send me a replacement card. 

On XX/XX/XXXX, I discovered that I had the lost card that I originally reported as lost, but I had actually lost a different card. Again, I called customer service. They issued another case number and requested I send them a copy of the receipt and my driver 's license. I did that. 

I have called several times since I reported the lost cards, since I have not received them. Their customer service personnel have been unable to cancel the cards that were mailed to me or mail replacement cards. 

Each card had {$500.00} loaded to them. Again, there are two cards at issue. 

The case numbers : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reported as being late on my mortgage while in forebearance and they did a loan modification-but also a covid Death occurred related to covid-19 to my spouse who was also a co-borrower ( joint ) on the Mortgage loan with XXXX. 

I filed a hardship request back in XX/XX/XXXX on the death of the Co-borrower ( joint ), and request time for hardship into XX/XX/XXXX, until i could get back on my feet. 

I was told by the representative XXXX, they never acknowledge my Hardship request even though I submitted all information on the Death of co-borrower to XXXX  XXXX on their website for mortgage assistance for relief until XX/XX/XXXX. 

Instead they went and marked my XXXX XXXX mortgage marked me late over 26 times late during forebearance.. 

I reached out to the Lost and mitigation dept at XXXX they told me they were very backlogged, even though the death letter and death certificate was sitting in the loan soultion webiste for XXXX, nobody had yet reviewed my request at XXXX XXXX because they are so backlogged. 

I filed CFBP XXXX XX/XX/XXXX -- due to unfairly being marked late payments while my mortgage was in forebearance and during a hardship being negatively marked late with XXXX. 

I am still waiting for Experian to fix my Credit Report scoring XXXX to what it was back In XXXX XXXX to scoring XXXX .... 

I was severly impacted by covid and covid death of the ( joint ) co-boworrer / my spouse 20 years- XXXX XXXX who died, was a hard working RN-Nurse at Baylor Hospital and Nursing home. He worked in the Covid ICU ward from XXXX to XXXX ..... 

XXXX was not to show or mark me as being while on forebearance & hardship extenstion, on my Mortgage and to give me continue hardship releif unitl end of XX/XX/XXXX, is what i requested, until i could get back on my fee
Product: Checking or savings account

XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX- {$25000.00} I used to be able to just select the option to close my CD and transfer the funds into my savings. 

Now, all options are to renew the CD. This is steering and is a bit confusing if not paying attention. 

They force you to call in and it seems like a very strange request to them to close the CD. 

There is an option to close the account, but it just logs you out? 

They make it much more difficult and you must call in for each CD! I have multiple and they can only set this close option within 30 days of maturity? Another lie!