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

I am filing a formal complaint regarding inaccurate information reported on my Equifax credit report. Despite my repeated efforts to dispute these inaccuracies directly with Equifax, no action has been taken to address my concerns or provide proof of an investigation. Accounts in Question : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  ( installment account ) XXXX XXXX ( revolving account ) XXXX XXXX XXXX XXXX Actions Taken : XXXX. XX/XX/year> : XXXX sent my first written dispute letter to Equifax, requesting an investigation into the above accounts. I clearly outlined that the information being reported is inaccurate and requested : Proof that an investigation was conducted. Verification and documentation proving the accuracy of the reported information. A deletion of the accounts if verification could not be provided. XXXX. XX/XX/year> : I sent a follow-up dispute letter reiterating my request for a reinvestigation, verification, and correction or deletion of the disputed accounts. I also restated my demand for proof that the reported information was accurate and properly verified. Equifax 's Lack of Response : To date, Equifax has not provided any documentation or correspondence to confirm that an investigation or reinvestigation was conducted. Additionally, I have not received proof that the reported information is accurate, as required under the Fair Credit Reporting Act ( FCRA ). This lack of action and communication violates my rights as a consumer and has caused undue stress and harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a dispute for inaccurate information for 4 months in a row and they have yet to remove this account from their system
Product: Credit card or prepaid card

After nearly two years of having a us bank secured credit card I was able to establish a consumer credit rating score that was scaled good. 
I signed up with US Bank by opening a secured savings account and deposited {$300.00} dollars in XXXX of XXXX. I made all my monthly payment on time. 
On XX/XX/XXXX at the local branch with the manager, I completed the form provided, requesting to have the secured savings account closed. My balance owed at the time of closing was {$290.00} and US BANK was to apply the {$300.00} secured savings deposit to the secured credit card balance, and mail a cashier check to the address on file in the amount remaining XXXX - XXXX XXXX balance owed to me I never received. Instead US BANK on XXXX XXXX failed in their duties of trust and applied a late fee and interest on my closed account. The issue is I have sustained negative impact on my credit report, causing damage to me and XXXX business in excess of {$100000.00} dollars. It is a depressing world with the corporate banks and the inconvenience their games. Please help
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XX/XX/XXXX MIDWEST RECOVERY SYSTEMS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious MIDWEST RECOVERY SYSTEMS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy chapter XXXX on my credit report. Stating that i have filed for bankruptcy on XX/XX/2021. This is incorrect and should be removed immediately. I have not filed for bankruptcy chapter XXXX. If this is not removed immediately, then you are deliberately going against the fair credit act. Knowing that this information that is reported is incorrect, but fail to remove it. Is illegal. And defaming my name. Please remove this incorrect account immediately
Product: Checking or savings account

i 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 charged and credits this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting

Equifax continues to send me a letters stating the identification information I provided does not match their records. I sent a clear copy of my Driver 's License and Social Security Card. Equifax 's latest letter was dated XXXX XXXX, 2015 asking for this same information that was sent with a previous dispute letter. Please assist me in having Equifax delete or verify unauthorized Inquiries and disputes within the 30 day time frame. 

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

I would like to dispute certain information in my file which I believe is possibly Identity theft. This account was opened fraudulently therefore I am a victim of identity theft. The account was opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Section 605b. Experian needs to remove the account from my file. 

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

On XX/XX/2021 I called Experian to get the results of an address dispute and to file a new dispute for items related to the address, I was informed it was nothing they could do, the furnished of the information I was disputing, was XXXX XXXX, I have documents to present, Im ask that Experian remove address and all related items to that address on my credit report, XXXX XXXX has removed the address and since they furnished the information, Im asking Experian to remove address and any related information to that address
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) I am sending this complaint to request that the account XXXX XXXX  XXXX which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. It is not authorized that CREDIT BUREAUS fail to validate this reporting account as unverified information without providing any proof within the period allowed by law.
Product: Credit card or prepaid card

We keep getting family members and relatives that are in different states and not in direct contact with us getting multiple calls asking for us but we have already called the company to ask they remove family members from any upcoming calls. Its escalated where they call our parents who are elderly and recovering from covid. I personally called to make a formal request for them to not contact this family member but they called via another phone line.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax numerous times to remove an address that is incorrect on my credit report they have yet to remove it the address is XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX
Product: Debt collection

SYNCB/PPC : Yes this account is closed per my request as I rarely used Paypal Credit . I am showing a late payment ; however, I sent them a report showing that I had Covid and they granted me to pay a week later, payment was made a week later and Paypal stated they would not affect my credit due to Covid. I NEED THIS LATE PAYMENT REMOVED IN XX/XX/21.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX Account Number : XXXX INQUIRIES XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit card

The reason for the dispute was due to delivery of the flooring that I purchased. When the merchandise was delivered I had received a call from the 3rd party service that Home Depot uses for delivery letting me know that they were on their way and they were delivering, at the time I was on my home driving. I informed the person I was speaking with to " Please the merchandise BY THE BACK DOOR '' so that it would be easier to bring the items in due to the kitchen being right there. When I returned home the merchandise was delivered on a palletized pallet wrapped with saran wrap " Thrown '' on my front lawn. I went to the store after I noticed this and I informed the manager at the time that the merchandise was not delivered in the area that I asked it to be in and that there was no way for me to move all that stuff by myself to the kitchen. She stated that I would have to pay for them to go back and pick up the merchandise. This was during XXXX XXXX weekendXXXX XXXX XXXX was going to be the upcoming XXXX. She stated that there would not be anyone to pick up the merchandise until then based on what the system was stating. I let her know that I was going out to town for the weekend the next morning and that the merchandise could not stay there all weekend. I also let her know that the area that I live in a HIGH THEFT area and with kitchen flooring materials sitting in the front lawn for anyone to come and take was possible. She set the delivery for that XXXX  ( XXXX XXXX ), I received XXXX call from the XXXX party service that picks up and the guy did not speak fluent XXXX and hung up on me. That was the ONLY time that I communicated with home depot about the pick up after the fact. When I returned home later that evening there was nothing there. Since then I have been disputing the entire purchase from my credit card, however they continue to say that I am responsible for the merchandise that I do not have. I have reached out several times to the store manager due to credit services stating that they dispute needed to be resolved through the state, I spoke to the store manager ( XXXX ) ONCE and that was it. She stated that she was going to reach out to the delivey/pick up company that home depot uses via email and woul reach back out. I have since attempted to call the store several times asking for her and each time she is either not in or just left for the day or will be in tomorrow. I have also sent emails to her as well as follow ups with no response. Ive disputed with the credit bureaus with no resolution either.
Product: Debt collection

On XX/XX/XXXX ( and XX/XX/XXXX ) I received automated voice calls from Pro collect a collection company representing a former landlord. The automated messages were left on my cell. I called and spoke to an representative who then transferred me to another " supervisor '', XXXX XXXX. I told XXXX XXXX that I had received a call from this number, and she only confirmed my name. I only ID my name, and then she goes into it being a debt for the landlord, and provided the mini Miranda. Never verified last four of SSN and/or DOB. Provided the balance of the account. She asked had I received correspondence about the account, and I told her no. I confirmed my current address at that time, and never confirmed that this was the best number for me. I did explain twice that the number was a cell line, and she states that basically that meant nothing. She goes into providing me a phone number for her directly, the account number, and describes the methods of paying. She asked which one I would choose, and I explained that I would call back in. XXXX XXXX advised me that she would report my account as a " refusal to pay '' because she did n't give that ( meaning calling back ) was an option. At that point I identified that I being a former collector, and well aware of the laws, know that she could not do that. She was argumentative and at this point I terminated the call.
Product: Debt collection

I'm a XXXX year old, retired, widow living on social security. In XX/XX/XXXX UDC, LLC sent me a " pink '' misleading threatening letter. Within said letter were references to UDC XXXX  and United Debt Counselors. The letter referred to a credit card debt of {$37000.00}, with an estimated settlement amount of {$16000.00}, current credit card payments of {$1100.00} and new proposed program payment of {$560.00}. Stated I should contact their offices within 10 days of receipt of the letter regarding adjusts of my credit accounts and " failure to make your minimum monthly payments will likely result in interest accruing on your unsecured credit balances at an unreasonable rate. ( In addition, penalties may accrue in the event of unpaid obligations. '' The problem being I've never had credit cards with the financial institutions claimed. 

In XX/XX/XXXX, the Federal Trade Commission entered into a Stipulated Order for Permanent Injunction with United Debt Counselors wherein United Debt was ordered to pay {$9.00} XXXX. In that complaint United Debt misrepresented that consumers had credit card debt and charged advance fees for debt relief. Why is this company still in business?? 

I contacted the company and was told they were not " attempting to collect a debt, '' but were a debt relief company who were offering their services " to alleviate credit card debt. '' Which is a whole lot different that what their " pink '' letter purports. One would read the wording of the letter and assume that if we did not call them within 10 days I wold be subject to interest accruing at a unreasonable rate. 

The Federal Trade Commission or Consumer Financial Protection Agency should prevent companies like United Debt Counselors from pressuring consumers through the use of this type of intimidating, misleading letters which are only meant to coerce consumers to fall into their trap and scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently applying for a mortgage, and the lending companies are unable to get by 3rd credit score from Equifax. They have no problems getting my credit report from the other agencies. I have contacted Equifax about this problem at least 10 times over the past month and a half. When I call, I am told that they can't find my file with the information I give them. They requested that I fax documents for proof of identity and residence. I did this, and received a letter in the mail from them saying they can't locate a credit file for me. I called back several times, and the agents say that my previous calls have not been documented, and the fax I sent in was not attached to my file so they can't see it. They then tell me that they are unable to help me with my problem, and when I ask to speak to a supervisor they tell me that there may not be one available. They then place me on hold, and either hang up on me, direct me back to the main line, or tell me that there are no supervisors available and to call back another day. ( This has happened multiple times with different agents ) Today I spoke with an agent, XXXX : ID # XXXX, and the only solution she offered me was to resend the documents even though the agency already received them. She could not guarantee that this would solve the problem.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be blocked : 1- XXXX XXXX ACCOUNT # XXXX 2- XXXX CRE ACCOUNT # XXXX 3- XXXX XXXX ACCOUNT # XXXX 4- XXXX, XXXX & XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT # XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX  should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.
Product: Debt collection

I disputed it and they said that I owe debt of {$15000.00} and the amount is not correct. I have not recieved a debt validation letter showing me what I actually owe. This amount of {$15000.00} is incorrect amount. Allegedly they said I came into a retailer on XX/XX/year>XXXX  and signed for a debt of {$15000.00} which dates are incorrect and amount is incorrect. Ive disputed this several times, and reached out to the company Bridgecrest. I have not received debt validation, nor have I recieved have I received account numbers, or where it came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I found inaccurate items that have not been verified according to the FCRA guidelines 623,611 please remove the following account they are not accurate : XXXX # XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX , XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX   XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX # XXXX I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed are not deleted immediately.