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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year>2025 Consumer Financial Protection Bureau Office of Iowa Subject : Strong Complaint Against Equifax for Continued Deceptive Practices Dear CFPB Iowa Office, I am writing to formally lodge a complaint against Equifax for its ongoing deceptive practices and blatant disregard for consumer rights, despite the recent ruling where your agency ordered Equifax to pay {$15.00} XXXX  for improper investigations of credit reporting errors. It is disheartening to witness that even after facing such consequences, Equifax continues to fail in its obligation to conduct adequate investigations of disputed information in credit reports. 

On XX/XX/XXXX, your findings revealed that Equifax had violated the Fair Credit Reporting Act ( FCRA ) requirements regarding the investigation and processing of consumer disputes. The CFPBs assessment highlighted severe deficiencies in Equifaxs systems and processes, which excessively defer to furnishers and do not prioritize consumer accuracy. This is not merely an oversight ; it is a systemic issue that harms consumers like myself. 

My experience with Equifax has been a frustrating one. Despite submitting detailed disputes regarding my credit report, I received responses that were not only confusing but also contradictory. For instance, I was informed that an item on my report had been verified as accurate while simultaneously receiving notification that the same item had been deleted. Such inconsistencies reflect a troubling lack of thoroughness in Equifax 's investigation process. 

Additionally, I would like to draw attention to a specific instance where Equifax mismanaged my credit report. I have a {$200.00} account that was in good standing and closed, yet Equifax deleted this credit card account from my report without just cause. I possess documentation from XXXX XXXX XXXX confirming that they have updated and reported my information to all three bureaus. This raises serious concerns about Equifax 's adherence to FCRA Section 609 ( a ), which mandates that consumer reporting agencies disclose all information in a consumer 's file upon request. Moreover, FCRA Section 607 ( b ) requires that when preparing a consumer report, the agency must follow reasonable procedures to assure maximum possible accuracy.

The ongoing issues with Equifax 's reporting practices not only violate my rights as a consumer but also undermine the integrity of the credit reporting system as a whole. I urge the CFPB to take immediate action against Equifax, ensuring they are held accountable for their deceptive practices and that measures are implemented to protect consumers from further harm.

Thank you for your attention to this urgent matter. I look forward to your prompt response and the necessary actions taken to rectify these injustices. 

Sincerely,
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Under the Fair Credit Reporting Act, the list of Accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 168XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX  15 U.S.C 1681s-2 ( A ) ( 1

) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 6802, which you can include and state that you DID NOT receive the required opt-out notice when you c
reated the account being reported ( they never give you the opt-out notice ). You have a right to opt out of any non-pu
blic info reporting.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish an account without my written consent 15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.

15 U.S.C. 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions for crimes, that antedates the report by more than seven years.
Product: Debt collection

Gentry Finance has been calling me to get a hold of an employee. The employee gave Gentry my cell phone and work number which they were not supposed to do and have been calling repeatedly. I have asked Gentry to stop calling my number and every few days I have gotten calls from them. This needs to stop as I am not involved in any of these problems that they are having. I do not want to be called repeatedly and neither do they need to keep harassing the business that she works at.
Product: Debt collection

On Friday, XX/XX/2021, at XXXX XXXX  I answered a phone call at my business location, XXXX XXXX. The person had stated their name and that they worked for the electric company, XXXX XXXX, that provides my business with power. Speaking with me on the phone, he had explained to me that i was two month behind on my electric payments and if I don't pay automatically the company would come and shut it off. Considering weekends are my busiest time, I could not afford to have my power turned off, and that I needed to keep it running at all cost. The person on the phone reassured me and said he can help me set up a online mobile app that can automatically withdraw the amount needed to save my business. He walked me through a step by step process, creating this account through Zelle, that is compatible with my bank XXXX. When all was said and done, the amount was withdrawn from my account.
Product: Debt collection

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to XXXX. I've been a victim of Identity Theft Fraud. The private investigators that I have hired have supplied me with suspect evidence including some of the transactions that were used with my identity and credit card information. There is also a fraudulent address tied to this account reporting from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I have NEVER lived in California. I have included that enclosed in the documents. Additionally, my credit information was used to purchase flights and I'm in communication with the airline which will be supplying me with suspect and passenger information so that I can press charges against the persons responsible and file a civil suit for damages, lost time and monetary damages. I will not quit until I get the information. I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also the added Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. I have conclusive evidence that my name, identity and credit information has been compromised in XXXX XXXX data breaches AND XXXX  breach and since these data breaches that I've been a victim of, I've had a plethora of issues including receiving calls from scammers or people posing as bank officials. I have set up the highest level security now including passwords and have wiped my digital information for safety.
Product: Debt collection

XXXX XXXX XXXX XXXX threatened to damage my credit by putting a charge on my credit reports. They wanted {$540.00} for falsely accusing me of having a pet while living there. Just after moving in I sent several emails to the office stating that they needed to change the carpet due to pet odor and hair. My daughter is highly XXXX! My daughter was not able to stay with me very often because of this issue. When I finally was able to move out since they never corrected the situation, I was charged with {$540.00} for pet stains. I refused to pay so they sent the bill to collections at National Credit Systems. XXXX XXXX XXXX changed management companies several times. Many other clients have the same complaint against them, unlawful charges upon moving out. I have contacted both XXXX XXXX XXXX and National Credit Systems asking for a copy of the lease where I PAID A PET DEPOSIT or any form of verification ( picture etc ) of a pet!! I will not pay for something I did not have. They were given the time to comply with my request and have not. Therefore the collection should have been removed from my XXXX and XXXX credit report. I have hired a lawyer and will sue since they have not followed the law. XXXX XXXX
Product: Credit card

I contacted Bank of America 's customer service center on XX/XX/XXXX and spoke with XXXX to inquire about the sudden and significant increase in my monthly payment, which went from {$91.00} to a late balance of {$300.00}. He requested an immediate payment. 

I informed him that I have kept detailed records of all payments made in person at the local branch, yet these payments have not been reflected on my credit card balance. As a result, my credit score has been negatively impacted by late payments that I have already made in full and on time. 

This situation is causing significant harm to my financial well-being and is deeply concerning. If left unaddressed, it could further damage my credit score and financial standing, potentially affecting my ability to secure future credit or loans. The negative impact of this issue could be detrimental to my financial stability. 

Additionally, I have discovered that my monthly statements seem to have been switched to electronic statements without my consent, further complicating my ability to track my payments and account status effectively.
Product: Debt collection

HCI Healthcare receivables, trying to collect bill from XXXX  XXXX Medical Center. It is not my bill. Both HCI and XXXX XXXX feel that if they want it to be my bill then it will be. I am not the primary on the insurance. Both HCI and XXXX  XXXX lie about that and feel that if they wish it to be true then it will be. CFPB has done nothing to help. I'm going to try one more time to have CFPB help me before having the new County attorney investigate them.
Product: Debt collection

DearRECEIVABLEMGMTGROUPAfterviewingacopyofmycreditreport,InoticedacollectionaccountplacedonmycreditreportfromyouinXX/XX/2017.Iamrequestingthatyouallowmetovalidatetheallegeddebt.IamunawareofanyoutstandingmedicalbillsthatIpossess,andIamseekingthenameandhospital/medicalprovidertowhichIowethedebtandadetailedbreakdownofthefeesthatIowe.

Additionally,IamallowedundertheHealthInsurancePortabilityandAccountabilityAct(HIPAA)toprotectmyprivacyandmedicalrecordsfromthirdparties.Ididnotgivepermissiontoanyofmycurrentorpriormedicalproviderstoreleaseanyofmymedicalinformationtoathirdparty.IamawarethattheHIPAAdoesallowsthereleaseoflimitedinformationaboutmebutanythingmoreistoonlyberevealedwiththepatientsauthorization.Therefore,myrequestistwofoldvalidationofdebtandHIPAAauthorization.

Pleaseprovidebreakdownoffeesincludinganycollectioncostsandmedicalcharges.
Provideacopyofmysignaturewiththeproviderofservicetoreleasemymedicalinformationtoyou.
Ceaseanycreditbureaureportinguntilthedebthasbeenvalidatedbyme.

Pleasesendthisinformationtomyaddresslistedaboveandacceptthisletter,sentcertifiedmail,asmyformaldebtvalidationrequest,whichIamallowedundertheFDCPA.PleasenotethatwithholdingtheinformationyoureceivedfromanymedicalproviderinanattempttobeHIPAAcompliantcanbeaviolationoftheFDCPAbecauseyouwillbedeceivingmeaftermywrittenrequest.Irequestfulldocumentationofwhatyoureceivedfromtheproviderofserviceinconnectionwiththisallegeddebt.

Additionally,anyreportingofthisdebttothecreditbureauspriortoallowingmetovalidateitisaviolationoftheFairCreditReportingAct,whichcanallowmetoseekdamagesfromacollectionagency.Iwillawaityourreplywithaboverequestedproof.
Product: Checking or savings account

XXXX which was the supervisor wouldnt help me with filing my claim as he indicated it is over 60 days old. It must be noted that Mastercard whom Kikoff uses indicates that users have 120 days to file such claims. Unfortunately Kikoff has created their own rules and are subjecting consumers to unethical business practices. Nonetheless allowing fraudulent transactions to go through instead of shielding consumers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I am a survivor of debt bondage, a type of human trafficking where I was compelled into accruing debts in coercive circumstances. This has resulted in several negative marks on my credit report. Currently, I am being supported by a representative from the XXXX XXXX, an organization committed to aiding survivors of XXXX XXXX. We are utilizing Section 605C of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies remove detrimental information associated with trafficking upon the filing of an official claim.
Product: Credit card

I purchase a vehicle from XXXX XXXX  XXXX, with my credit card ( XXXX  ) on XX/XX/2021 for {$5000.00} during the pandemic, and what I receive is different from what i signed for, cause the mileage of the car i paid for is different from the car mileage i received from XXXX XXXX  sent to me, and immediately return the merchandise back to XXXX XXXX  true the towing company that brought the car to me and i even paid the towing company before returning the car back to them, and i called my credit card ( DISCOVER ) to complain about the fraudulent transaction and my credit card ( DISCOVER ) did noting to it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately. 

1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX This Account is inaccurate and seeking litigation please delete it once 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violaon not reporng 100 accurate 11 XXXX XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Debt collection

Victoria Secret or Commenity Bank ... They have contacted me and harassed me all day for a week straight every hour on the hour from XXXX to XXXX at night. This is a time during Covid 19 that this seems like highly inappropriate behavior considering the global environment and seems even more inappropriate that they are essentially employees at a time when I am working less and just trying to pay my regular bills. They also contacted my sister maybe other family members Im not sure yet and told her to tell me they are looking for me. Ive had the same phone number and address for 12  years they have no reason to contact her they know where I live and how to get a hold of me. Ive been waiting to get a letter in the mail with an offer to possibly pay off the debt like other companies usually do they have sent me nothing in the mail and that seems even more strange to me that they wouldnt try to do that before contacting my sister that had nothing to do with this.
Product: Bank account or service

I have submitted several request to Barclays bank as to whether they are FDIC insured or not and up to what amount. They continue to give me the run around and to send me an invalid link to check to see if they are FDIC insured. I do not understand if they are a full regulated bank whey they do not know themselves if they are insured or not?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is still reporting the wrong information ... its shows 30days late on different months and the in the report I have found severa inaccuracies. So if I can see the inaccurate information. How they cant. What did they check the information on to see that it was accurate ... I dont understand how in XXXX I was 30days late with XXXX but on time XXXX and Experian. Then in XXXX late with XXXX and Experian and on time with XXXX ... My Open Date is Wrong, My Last Reported Date Is Wrong, Date Last Active Is Wrong, Date Last Payment Wrong .... So Please Tell me how there following the laws of the FCRA if the information they say to be true and accurate is not In fact accurate ... I Never missed a Payment ... please update my credit report to payed as agreed and remove the 30day late payment from my report
Product: Debt collection

I hope this letter finds you well. I am writing to express my concern and disappointment regarding the recent experience I had with your bank. I appreciate the services provided by your esteemed institution, but unfortunately, I encountered a situation that has left me dissatisfied. I believe in the professionalism and competence of your bank, and I understand that errors can occur occasionally. However, it is crucial for customers to receive accurate and comprehensive information, especially when it concerns their financial matters. I kindly request your prompt attention to this matter and a thorough investigation into the misinformation provided. Moreover, I would appreciate it if you could take the necessary steps to ensure that such incidents do not recur in the future. 
XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX If there are any specific procedures or channels I need to follow to rectify this situation, please provide guidance accordingly. I value my relationship with your bank and hope that we can resolve this matter amicably.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scammers. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi XXXX XXXX XXXX/XXXX Account number XXXX. I have disputed this multiply times. They change it to something else every time. I have a chapter XXXX discharge in XX/XX/2016. This account is still saying account status charge off. They never fix it.
Product: Credit reporting or other personal consumer reports

Ive been receiving invalid debt collections letters and reports of the invalidation from Transunion, XXXX and XXXX for the deft from XXXX XXXX XXXX opened XX/XX/year> in the amount of {$2300.00}. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

They were provided a accurate statement requesting copies of the alleged contracts with said collections agencies after being notified of fraud and have failed to remove them from my reports and failed to provide documentation showing these are accurately my accounts, which they are not. All credit reporting acts of rules and regulations apply.