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

There are inquires on my credit report that are not mine and I called Equifax and spoke with customer service to fix this issue. I was told by rep. that I can go online and process my disputes with Equifax.com and submit my documents for clarification. I submitted my inquiry dispute and was told by the automated system that the inquires were verified after XXXX hours and they will remain. I processed XXXX more disputes and was provided the exact same information again. 

I called Equifax directly on XX/XX/year> and was on hold for more than XXXX minutes and was not able to speak with anyone to resolve the issue of the inquires.

Per the FCRA 15 USC 1602P I am requesting help with having the inquires removed, I am not requesting all inquires to be removed due to some of the inquires in fact are mine, but not all of them and I never gave authorization for anyone to obtain any credit.
Product: Credit card

I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to each credit bureau requesting physical proof of their verification methods ( documentation that they possess giving them the right to list information on my reports, how it was verified, who they spoke to ) and requested that any information that could not be verified with physical proof be removed from my reports. I have only received results stating that my information has been verified and updated with no supporting details or documentation. In my letters I stated that I am not disputing the validity or accuracy of the negative accounts but that I am disputing the credit bureaus right to list these accounts on my reports without proper verification from the creditors and that they must be deleted, under federal law, if they can not be verified. My most recent letters were dated XX/XX/18 but not sent until XX/XX/18. Transunion and XXXX both sent me results without documentation saying that the accounts meet FCRA requirements. XXXX sent me a letter saying the identification I provided ( drivers license and ssn ) does not match their records. They were able to locate my file several times with the same identification I provided in the first 3 letters, the information has not changed, they are stalling.
Product: Student loan

I have had to call XXXX times over the past few months trying to get my student loan refinance overpayment check refunded to me and so far they tell me the same thing every week that it is in accounting to be processed. I have been placed on numerous " rush order '' lists that are supposed to expedite the process, but nothing has moved in this time. Calls occurred on XX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ). 

This was a refund check for XXXX $ so no small amount. That could have helped me pay my loans on time last month, but I had to make late payments due to this mishandling of the situation.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

While there isn't a single, specific " Cash App breach law code, '' the legal framework surrounding data breaches like the Cash App incident would likely fall under various consumer protection laws and regulations depending on the jurisdiction, including provisions related to data security, notification of breaches, and potential damages for affected users, often found in state privacy laws and the federal Electronic Fund Transfer Act ( EFTA ) which governs electronic financial transactions. Fake customer service reps representation as if their are real person
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022 the credit reporting was made aware of fraudulent accounts being reporting due to identity theft fraud. They did not do a proper investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I reached out to XXXX, XXXX, and Experian and talked to XXXX from XXXX, XXXX from XXXX, and XXXX from Experian. They all told me to submit this report with a copy of my ID, Social, and Bank Statement proving my identity and my current address. The account that they are reporting is showing inaccuracies and inconsistencies and they are obviously reporting this illegally.
Product: Money transfer, virtual currency, or money service

I am writing this to formally express, my concerns regarding Zelle 's handling of disputes, particularly in light of 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 finding indicate that Zelle has not only neglected to protect consumers but has also allowed to repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raised serious concerns about consumers safety.
Product: Debt collection

In XX/XX/2024 a collection trade line was placed on my Consumer credit reports by Transworld Systems INC on behalf of XXXX XXXX. I contacted the creditor and told them that while I attempted to open a cellular account with XXXX  XXXX  the previous year, no service was ever established due to XXXX  XXXX  XXXX card not being compatible with my cell phone. I disputed the debt with Transworld Systems INC and the dispute still has not been processed nearly 120  days after the dispute was placed. Ive also attempted to contact XXXX XXXX  with no success there either. As you are aware, in accordance with the Fair Debt collection act, an alleged debt must be verified within 30 days from the debt of dispute. This debt isnt even valid so no service with XXXX was ever established. I DEMAND TRANSWORLD SYSTEMS INC AND XXXX XXXX DELETE THIS COLLECTION TRADELINE FROM MY CONSUMER CREDIT FILES IMMEDIATELY AND FURTHER DEMAND CFPB PROTECT MY CONSUMER RIGHTS AS REQUIRED BY FEDERAL LAW.
Product: Credit reporting

Equifax is aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). I would like to point out that Equifax is violating provisions of the FDCPA by implying that the legal status of XXXX ( XXXX ) debts are collectible by reporting the alleged debts on my credit report. The exact statute is 15 USC 1692e, ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
1. I am a resident of Colorado. 
2. Equifax does business in Colorado and is subject to Colorado 's laws including the Statute of Limitations and knowingly publishing/reporting/promoting false and/or defamatory and incorrect information. Equifax may not knowingly publish false information such as the collectability of a debt. The SOL in Colorado is well defined and is the period of collectability. Reporting incorrect information as to collectability is a violation of the FDCPA. 
3. Equifax is willfully and knowingly violating germane Colorado statutes by publishing defamatory and incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent letters to XXXX, Equifax and XXXX in regards of errors that are currently on my personal credit reports. I have sent all documentation to support my claims of the inconsistencies with names, addresses and jobs that do not belong on my credit profile along with letters. My credit profile is currently showing 14 different names, 12 different addresses and 4 different jobs. It has been more than 30 days since I have sent these letters, I am really concerned about this issues as it relates to my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax, and they refuse to verify the dispute with the XXXX XXXX XXXX with a live speaking employee of the company they want use a date software. My Both of my XXXX XXXX XXXX XXXX cards are paid off with a XXXX balance and they are showing a balance on both cards that's untrue and damaging my credit score. I have provided the proof and they still will not fix my credit are score and this is the third time I have dispute this. 

This is violation of the fair credit act, and they need to be fined a {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( XXXX, TransUnion, and XXXX ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected. 

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On behalf of XXXXXXXX XXXX XXXX XXXX, Xactus LLC ran my credit without my permission to do a hard inquiry of my credit on XXXX. Xactus LLC shows on my XXXX but XXXX XXXX XXXXXXXX is on my XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Department, I am writing to dispute inaccurate late payment reporting on my credit report for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have never had any late payments, and the reported information is incorrect. This inaccurate reporting is negatively impacting my credit profile and does not reflect my payment history. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and the removal of these incorrect late payment records from my credit report. 

Thank you for addressing this matter promptly. If you require any additional documentation or details, please contact me directly.
Product: Credit card or prepaid card

I have a Way2Go Card ( XXXX XXXX ). I have been unable to use the card issued to me for the past week. It got rejected at XXXX, XXXX, and XXXX XXXX. The phone number on the back of the card ( XXXX ) does not allow me to speak to anyone about this card. I have not been able to start an online chat as I am not given the opportunity to do so. I am asked for my card number or social security number. When I enter my social security number I am told this is an invalid entry ( though I'm pretty sure I know my own social security number after having it for XXXX years ). It them tells me I have to enter a XXXX digit card number which I do, even though at this point it no longer permits me to enter my social security number. In order to start a chat you have to provide a card number. When I do I am not able to start a chat. The back of the card says that this company is available XXXX hours a day, XXXX days a week. But it doesn't matter when I call them as they do not answer their phone. I did a web search and found another phone number ( XXXX ) for this company but I am not given the opportunity to speak to anyone either. There is no email address provided to me which I can request information regarding this card and why it no longer works. I also tried using a third phone number ( XXXX ) - this one obtained from XXXX -regarding this company and I am not permitted to speak to anyone at this phone number either. I was prevented from logging in to my account, even after providing the proper username, password, and answering the Security Question ( first name of childhood friend ) correctly. I have attempted contact by XXXX phone numbers, online chat, email, and website access and can get no information why I can't use my card or why I can't speak to anyone about it, or why I can't start an online chat with someone. The only option at this point it appears is to write them a letter and mail it USPS, provided that the address they list on their website is indeed a correct address to which they will respond, which at this point I have my doubts about this as well. In light of this, I had no recourse but to file this complaint with the CFPB. I would love to upload documents regarding this complaint, but as I have stated I have no access to the company. I could make a voice recording of the company 's " customer service autobot '' and the absurdity the " phone maze '' takes in preventing me from speaking to someone at this card company. But I can not upload it here - only documents -- which I don't have access to because I can't speak to anyone at this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is response to complaint XXXX. Equifax has been sending this same stall response for the last 2 months. I do not believe an investigation was done. Why have you sent me a statement that the creditors have verified my accounts? You've failed to send me any documentation that verifies this and I've also called and was told that there was never an investigation. Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request. It has been well over 15 days which means that you are in violation of the FCRA. To avoid further action, please forward to me a description of the procedure taken in order to determine the accuracy of these accounts, including but limited to, the name of the creditor, along with their address and phone number. Also, I want to know who you spoke with and on what date. Please forward this information to me within 15 fifteen days of receipt. As I have previously stated, this account XXXX XXXX XXXX is incorrect and the late payment in XX/XX/2022 should be deleted because I was never late.
Product: Credit reporting or other personal consumer reports

I am writing to disputed acount on my credit report that were withoit my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ), THETE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my report. Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a durable power of attorney for my mother 's Wells Fargo credit card account. Sent copy of POA to Wells Fargo twice. Wrote letters twice. They acknowledged each time in writing. Despite the effort on my part, Wells Fargo continues to deny me access to the account. Customer Service makes NO EFFORT to resolve. Just refuses to help.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX Dear CFPB, I am writing to formally file a complaint against XXXX XXXX XXXX XXXX  for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX XXXX XXXX XXXX Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXXXXXX XXXX XXXX XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX XXXX XXXX XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

My information was compromised under data breach and fraud will like items removed from my Credit The credit laws under 15 U.S.C. 1681 are part of the Fair Credit Reporting Act ( FCRA ), which is designed to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies ( CRAs ). Below are the key provisions of this law : 1. Consumer Rights Under the FCRA The FCRA provides several rights to consumers, including : Access to Information : Consumers have the right to request and obtain a free credit report from each of the XXXX major credit bureaus ( XXXX, XXXX, and TransUnion ) once every 12 months. 
Right to Dispute Information : If a consumer finds inaccurate or incomplete information, they can dispute it with the CRA, which must investigate and correct or delete any inaccuracies.

Notice of Adverse Actions : If a consumer is denied credit, employment, or insurance due to information in their credit report, they must be informed and provided the name and contact information of the CRA that provided the report.

2. Responsibilities of Credit Reporting Agencies Accuracy Requirements : CRAs must maintain accurate and up-to-date information in consumer credit files. 
Duty to Investigate Disputes : When a consumer disputes an item, CRAs are required to investigate the claim within 30 days and correct any errors. 
Privacy and Security : CRAs can only share a consumers credit report with entities that have a legitimate purpose, such as lenders or employers ( with the consumers consent ). 

3. Obligations for Furnishers of Information ( e.g., creditors, lenders ) Reporting Accurate Information : Entities furnishing information to CRAs must ensure the data is accurate and update or correct it if inaccuracies are found.

Responding to Disputes : They must investigate disputes forwarded to them by CRAs and provide timely corrections if errors are discovered.

4. Employment Screening Limitations Employers must obtain written consent from a consumer before accessing their credit report for employment purposes.

5. Identity Theft Protections Consumers can place a fraud alert or credit freeze on their credit reports to protect against identity theft.

6. Statutory Damages for Noncompliance Civil Liability : Consumers can sue for actual damages, statutory damages ( up to {$1000.00} ), and punitive damages in cases of willful noncompliance. 
Government Enforcement : Federal agencies like the Consumer Financial Protection Bureau ( CFPB ) or Federal Trade Commission ( FTC ) can enforce compliance. 

XXXX. Special Provisions for Medical Debt, Tenant Screening, and More Recent amendments to the FCRA have added protections, such as limits on reporting medical debt and additional rights for tenants being screened by landlords. 

For detailed provisions, you can review the statute directly at 15 U.S.C. 1681.
Product: Credit reporting or other personal consumer reports

Have submitted complaints to XXXX, XXXX, and Transunion, concerning a XXXX XXXX account on my credit report that is against fcra regulations and not only is the account closed and they wrote it off but they also have a balance of {$380.00} on a credit limit of {$300.00}. This is completely wrong because there's no way you can have that much over each on that type of limit. They do not want to adhere to the law and remove it they just do a quick access of it and put it back as verified when it's not verified because the amounts are wrong all they have to do is look at it. I'm not being mean or trying to sound mean by no means. I'm asking that you get after these people and make them get this off my credit because it's destroying what little bit of a credit score I have. Thank you for your time.