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

This complaint addresses Equifax 's contradictory responses and willful non-compliance with FCRA requirements, particularly egregious given their own data breach 's role in compromising my personal information. 
SEQUENCE OF EVENTS : 1. Equifax Data Breach o Received notification from Equifax that my data was " impacted '' o Breach exposed sensitive personal information o Created heightened risk of identity theft 2. Identity Theft Occurrence o Filed FTC Identity Theft Reports ( # XXXX, # XXXX, # XXXX, # XXXX ) o Received confirmation from XXXX XXXX  that XXXX account was fraudulent o Submitted all required documentation to Equifax XXXX. Equifax 's Contradictory Responses a ) First Response : o Merely sent CFPB pamphlet o Failed to address identity theft claims o No action taken on fraudulent accounts b ) Second Response : o Claimed inability to block information o Directly contradicted FCRA 605B requirements o Ignored submitted FTC reports c ) Third Response : o Claimed previous investigation in process o Refused new investigation o Provided no details of alleged investigation VIOLATIONS OF FEDERAL LAW : 1. FCRA 605B Violations o Failed to block information within 4 business days o Ignored valid identity theft reports o Claimed inability to block despite meeting all requirements 2. FCRA 611 Violations o Failed to conduct proper investigation o Provided contradictory responses about investigation status o Ignored third-party fraud confirmation XXXX. Data Security Violations o Failed to protect personal information ( breach ) o Failed to prevent subsequent fraud o Failed to take responsibility for breach-related fraud CONSUMER HARM : 1. Direct Financial Impact o Continued reporting of fraudulent accounts o Potential credit denials o Increased credit costs 2. Time and Effort o Multiple communications required o Filing of reports and complaints o Ongoing monitoring requirements 3. Emotional Distress o Anxiety over unresolved fraud o Frustration with contradictory responses o Concern over continued data vulnerability REQUESTED ACTION FROM CFPB : 1. Investigation o Review Equifax 's contradictory responses o Examine connection to data breach o Assess pattern of non-compliance 2. Enforcement o Require immediate blocking of disputed information o Mandate proper investigation procedures o Impose penalties for willful non-compliance 3. Systemic Review o Examine Equifax 's identity theft procedures o Review data breach impact on consumers o Assess pattern of evasive responses DOCUMENTATION ATTACHED : 1. Equifax Data Breach Notification 2. Three contradictory Equifax response letters 3. XXXX XXXX  fraud confirmation 4. FTC Identity Theft Reports 5. Previous correspondence 6. Credit report excerpts I authorize the CFPB to share this complaint with other government agencies if necessary for resolution or enforcement purposes.
Product: Debt collection

We received a letter from North American Credit Services regarding an overdue bill for our medical debt. The amount due is a random amount that does not correspond with any of our bills. The " bill '' also has spelling and grammar mistakes in its small font. However, the address and website all lead to the same company without any mistakes. 

While we do have medical debt, we are paying the hospital directly under an arrangement that guarantees our fees will not be turned over to collections. Just in case, we have contacted the hospital and checked our credit reports to see whether any dues have been submitted to collections. We are notified that nothing has ever been turned over. 
We recently had a data breach regarding our personal information that specifically states that " some information regarding payments or anyone who submits payments '' may have been exposed. Hearing from this company soon after doesn't not seem like a coincidence. 

Reviews about this company show very similar experiences like the one we just had, appearing to be a repeated offense. This company may be an " official company, '' but does not appear to use legal methods to coax money away from vulnerable individuals. 

We have not contacted this company whatsoever in any form because we are afraid they will begin harrassing us by calling us or sending us more of this nonsense. Such events appear to have occurred for others.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit file. As a victim of identity theft stemming from a data breach, I have confirmed that the following accounts and inquiries were not authorized by me and are fraudulent. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed from my credit report. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I am disputing an item that needs to be removed. 

XXXX. XXXX XXXX XXXX XXXX is a 2-year-old credit inquiry. It was pulled on XX/XX/2019, and should be removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX -DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED XX/XX/XXXX
Product: Credit card or prepaid card

To Whom It May Concern : I have a chase credit card with link to mariott bonvoy account. I applied for the credit card in late winter ( XX/XX/XXXX ish ) I have been using and traveling with this credit card with no problem until XX/XX/XXXX. I was in XXXX XXXX, arriving on XX/XX/XXXX. I was using my credit card without problem. Up until that point, no late fee charges and had no disputes on my account. On Monday XX/XX/XXXX I was in a bus full of people, my credit card was in my bag which was being clutched to my chest. As I was exiting the bus, some patrons were not letting me off and I had to physically remove myself to get off of the bus. I was immediately concerned and checked my bag, noticing that my credit card was missing. I ran to my XXXX to connect to WIFI and call chase fraud alerts. I could not use my internet account because it was not linked up properly. I had called in XXXX to try and get it fixed but after waiting an hour was unable to do so. 

While waiting on the phone, in the XXXX XXXX, I received an email stating that chase had blocked a transaction of XXXX XXXX dollars. I finally got a hold of someone after 45 min to inform them that my credit card was stolen and needed to be cancelled. They informed me there were recent transactions of increasing amounts that had just occurred on my card of XXXX, XXXX, and XXXX which were posted. They informed me that they would list them as fraudulent and would delete that account and send me a new card. I returned home waiting for my new card to come in. Once it arrived I called to make sure the charges were reported and to set up my online account. The person on the phone was helpful and realized the account number that I was sent to set up my online account was missing a number. She helped me set up the account online and informed me that the charges were taken off of my account and the fraud department as handling it. 


XX/XX/XXXX I received an email that a letter determined that I received benefit from these ridiculous charges which occurred together. I immediately called and after 4th time of calling and talking to someone from Chase I was told that I was not being charged and that the letter was for the matter being closed. The charges would not be placed on my credit card. Today I logged into my account and found the charges there. I tried calling twice after being unable to dispute the transaction online. I emailed them and waited for 40 minutes with no response. I tried calling my local bank. I am extremely frustrated because y card was stolen, reported as fast as possible, and told it was taken care of ; only to be harassed and lied to without the ability to get someone to help me. I will not pay for the fraudulent charges and am hoping this will allow chase to contact me with people that are not lying to me.
Product: Checking or savings account

today the XX/XX/ i had charges from XXXX that i never did since i dont have an XXXX  or XXXX  or anything XXXX  and i called to do a disoute and all that happen with that call was the lady was really rude and she locked my account and this was not the first time they let transaction threw my account without autherazations about a week ago they let XXXX transactions of XXXX go threw and the hole time after i disputed it i called and called asking about the resolution and everytime an every person i talked to all gave different answers finally after XXXX  days they did give me money back and this time i couldnt even ask for money back they just got rude and did nothing but lock my account. also when open my account and got my card had money in account i tried to use it and i had just moved and they tell me i cant use my card untill i had a referance number that they mailed to me even though i had moved and they told me to bad with out that number they get to keep the money and i even got them to say those words they will take the money without the referance number cause thats how they verify who u are which is no verifacation at all if thats how they do it anyone can open an account in someones name and have them send it to there address and then there all good. Then there is the fact i tried to add my card after i finally got access to my money to XXXX XXXX  and it was not aloud couldnt even add it to XXXX  until they gave me the ok so i called them and all of the sudden the ask for some referance number again and since i didnt have it when i called they locked my account again i couldnt even log on the app or on the computer and again i had no access to my money so please do something about this bank they need to be shut down and im sure im not the only one that has complained cause if u look at XXXX XXXX XXXX u will see its nothing good from anyone only bad i mean the havve the grade of f on there thank u for reading this and i know nothing will be done after this last XXXX charges that were not authorized i closed my account even though that {$4.00} is a big deal for me cause i dont really have money they would have fought me over it and it would have take another XXXX  days to get {$4.00} back or they would have denied it thank u again even though u wont do anything about this cause this bank is still open
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested from the credit agencies to verify the validity of the below account currently reporting as a collection. I have contacted the company directly by mail and by phone and was told they will not provide any other proof. The requested help again from the agencies I'm disputing their practices with and they will not allow another dispute stating they verified it and yet I never received any correspondence. 

I attempted to contact the company directly again and was told they will not accept any payments or anything on the debt. I tried so they would remove from my report I offered to pay to delete and was told it was not their problem. I explained under the Fair credit reporting act and the FTC their reporting is not being handled correctly or morally. I was hung up on and do not receive any validation on this debt. 
I am requiring the agencies reporting to remove this account from my reports and to process with regulations on how to fairly report. 

Account to remove XXXX XXXX XXXX Account Number XXXX Account Type Credit card Date Opened XX/XX/XXXX Status Account charged off. {$420.00} written off. {$380.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$380.00} Credit Limit {$300.00}
Product: Credit reporting

XXXX XXXX 2016 -- & gt ; YOUR COMPANY ( ANNUAL CREDIT REPORT ) PRACTICES FRAUD eg. XXXX GAVE NO FREE REPORT ; must call or send info. XXXX GAVE NO FREE REPORT ; must call or send info. and TransUnion GAVE NO FREE REPORT. IN FACT CHARGES A DOLLAR AND CHARGES MORE IF THE SERVICE THEY GIVE IS NOT CANCELLED. YET THEY DID NOT ACCEPT MY CHARGE CARD.
Product: Credit reporting or other personal consumer reports

All companies involved have infringed on my right to privacy as granted by federal law and failed to provide necessary disclosures. I have tried to resolve this issue amicably now I am requesting immediate action. Please delete these information from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with  my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( XXXX ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, as a XXXX Consumer I applied for a Mortgage Loan with XXXX XXXX XXXX, as part of the Lending process, there's a Tri-merge Ran by Lender, XXXX XXXX. Equifax reported internal and Fraudulent conditions of my TradeLines on my Credit Report. These XXXX literally [ OPEN ] of these Accounts with efforts of suppressing my Credit Report. Here are the TradeLines that these XXXX went back and [ Re-open ] up these TradeLines : XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX, XXXX ending # XXXX XXXX ending # XXXX. About 9 years ago, I addressed this issue with Equifax, and I was told by an a XXXX male in their General Counsel, right before letting this XXXX go this XXXX quote : We'll show you " XXXX '', I then told him to kiss my XXXX and that I was going to sue you XXXX, to-date I've got the Evidence needed to make me extremely " Wealthy '' for their " XXXX XXXX  '' tactics toward XXXX Consumers. See I've spoken with my TradeLines, none of these TradeLines mentioned they Re-open accts
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX for their failure to accurately report the repayment status of my XXXX  loans during periods of deferment, resulting in false information on my credit reports. 
From XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, and XX/XX/XXXX to XX/XX/XXXX, I was enrolled as a XXXX or more than XXXX XXXX, as evidenced by my attached XXXX  transcript. During these periods, my loans were in deferment, yet XXXX inaccurately reported " No Data Available '' for these months on my credit reports instead of the correct status of " Paid as Agreed. '' This misreporting is damaging and misleading, as deferment due to enrollment should be reflected as being in good standing. 
Furthermore, in XX/XX/XXXX, I entered into a written agreement under XXXX ( formerly XXXX 's ) Rate Reduction Program to pay {$700.00} monthly. I have honored this agreement without fail, but XXXX falsely reported my account as 150 days late in XX/XX/XXXX and left " No Data Available '' for XXXX, XXXX, and XX/XX/XXXX. These inaccuracies are contradicted by XXXX 's own correspondence, which confirms my payments were made on time.
Product: Checking or savings account

I NOTICED CHARGES ON MY DEBIT ACOUNT AND CALLED CHIME TO DISPUTE THE CHARGES AND WAS DENIED. MY DEVICE WAS STOLEN WITH MY INFORMATION STORED IN IT. CHARGES OCCURED AFTER DEVICE WAS. TAKEN. ALL XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, AND XXXX CHARGES WERE UNAUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and I notice there are a bunch of unauthorized credit inquiries made. My credit was illegally ran by XXXX XXXX XXXX in XXXX, IL. I did not give them permission to run my credit and while out for a test drive they ran it and sent it to finance places. I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into these XXXX inquires to determine who requested this credit inquiry. The same day, XXXX XXXX in XXXX, IL did run my credit with my permission so those inquiries are correct. According to XXXX XXXX, before they ran my credit, they said I had XXXX inquiries from XXXX XXXX XXXX. If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this.
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my consumer report. I have NEVER opened or used the following accounts. Please investigate these fraudulent accounts and mail me an updated credit report. These accounts are FRADULENT. 

XX/XX/XXXX ( open date : XX/XX/XXXX XX/XX/XXXX ( Open Date : XX/XX/XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX( Open Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to delete the inquiries listed below from my credit report. To my knowledge, I have not signed any documents authorizing the companies listed to view my credit history. With that being said the inquiries are violating the Fair Credit Reporting Act, Section 1681b ( c ) : Transaction Not Initiated by Consumer and need to be removed immediately. 

1 ) XXXX XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX 2 ) XXXX XXXX- Inquired on XX/XX/XXXX 3 ) XXXX XXXX- Inquired on XX/XX/XXXX 4 ) XXXXXXXX XXXX XXXXXXXX - Inquired on XX/XX/XXXX 5 ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 6 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX When the inaccurate information has been removed I would like a copy of my credit report mailed to me. The report should include all personal information, all other inquires, and all balances updated. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XX/XX/year> CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 
Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : ACCOUNTS : REASON : XXXX XXXX XXXX FRAUDULENT ACCT XXXX XXXX BANK- XXXX FRAUDULENT ACCT SELF XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX- XXXX FRAUDULENT ACCOUNT FIRST PREMIER BANK XXXX FRAUDULENT ACCOUNT
Product: Mortgage

In XX/XX/XXXX, I purchased my home. I then refinanced in XX/XX/XXXX with American Home Mortgage Corp. I am currently in the process of a short sale, however it is at a standstill due to a second mortgage being recorded by a XXXX  XXXX, when we closed I was told this would be a home equity line of credit. When I asked for help in locating the lien, I saw that XXXX  was DBA American Home Mortgage Corp and that in XX/XX/XXXX that their FHA status was terminated. I have been searching for someone to give me answers on how to proceed with settling this issue so that I may move forward. I will loose the opportunity and the approval from the first mortgage company if I do not solve this matter by XX/XX/XXXX. This is my last resort. I was told by a title company that the mortgage went from XXXX XXXX   to Homeward Residential who was bought out by Ocwen. I have tried several times to reach out to each company including Ocwen and have been told they do not have the account. What do I do now???