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

I am filing a complaint against Equitax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without previding any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I am expecting my tax refund - I notified the bank that my account there at that bank was where my refund would be deposited. I was assured that it would be kept open for the refund to be deposited and less than 2 weeks after I filed my return with the account in question listed to receive the direct deposit of my tax refund- they closed my account. It was overdrawn by less than {$10.00} when they closed it. Prior to all of this I had requested that any debits to the account be declined to prevent any overdrafts to begin with. That request was obviously ignored. This has put me into dire financial hardship as I will now have to wait as many as 3 months for a paper check to arrive from the IRS. I called the bank, the call was directed to their overdrafts department, they escalated my issue and I spoke with what I was told was a bank Vice President. He told me to go to the bank first thing Monday morning ( this was a Friday ) and that a note would be put into my file to open another account that would be linked to the closed account so that my deposit wouldnt be rejected and sent back to the IRS. I went to the bank as instructed and they flatly told me no, they could not do that. They wouldnt even check to see if any such note was added to my file. I feel like I was lied to. The IRS wont let me change my direct deposit information since my return has already been accepted. I feel like Wells Fargo ( my bank ) needs to step up and do SOMETHING considering the circumstances and the fact that had they acted according to my wishes that the account never would have been closed to begin with because it wouldnt have been overdrawn. 

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

Trans Union is reporting the XXXX XXXX XXXX over payment as part of bankruptcy when it was paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several complaints about this issue which isnt resolving. This company has an old debt on my credit thats not supposed to be there and needs to be removed. Its at the 7 year mark and they are still reporting inaccurate information. This company violated my rights by repossessing a vehicle and never sending a RTC ( right to cure ). Ive tried several of times to work this company and theyve refused to do anything on my behalf. I spoke with an attorney recently, and Im in the process of filing an lawsuit, if we can resolve this issue I will drop the case if not we are taking this matter to court very soon. Theyve also contacted me recently and its been expressed to them to never contact me. Ive told them several of times to cease all communication with me and theyve violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This company texted me out of nowhere on XX/XX/2024, at XXXX XXXX MST, stating that my account has been listed as a refusal and that documentation will be sent to my home and employer 's addresses. They sent the text from XXXX. 

I called the number immediately and spoke to XXXX XXXX, who said he was from XXXX XXXX XXXX. He said that they would request a judgment against me and send it to my home address and my employer 's address, so I told him I was happy to resolve any debt but needed to verify it and asked him to please send me a letter of verification. He had my old home address, birth date, and social security number, which is concerning, considering he could not verify for me which company he is from. 

What he sent me was incomplete ; it didn't have a company website or physical address, and two different companies were listed in the letter he sent. He emailed it to me from : XXXX. When I asked him where I could make online payments, he directed me to an entirely different website : XXXX XXXX XXXX. 

When I replied by email to ask him to verify his company name, website address, and physical address, he did not respond. I then called the original creditor, Loanme, who said they could not locate my information in their system by social security number, name, phone number, or address. 

I then called XXXX again at the phone number on his letter : XXXX XXXX, and asked him to please provide me with his full company name, company website, and the physical address for his company so I can verify the legitimacy of his company. He then refused to provide me with the information and argued with me, stating that they could just get a judgment against me if I didn't want to pay. I advised I am glad to resolve what debt I may truly owe, but I need to know who I am sending money to before I provide any information. I asked him multiple times for the information, and he just hung up on me. I replied to his email and notified him that I would report them to CFPB. 

I want to ensure that if there is any debt that I owe, I am able to verify the company collecting it from me before I hand over any financial information or make payment arrangements. I need the debt verified. I also want to ensure that this company, if not legitimate, does not contact my employer.
Product: Debt collection

We signed an agreement, with First Choice Credit Management, to pay four different debtors. We agreed to pay, {$170.00} dollars/monthly for thirty two months. It started on XX/XX/XXXX. It ended on XX/XX/XXXX. They promised that all the debts would be paid. They settled with three, of the debtors, and told us, that the fourth debtor, would be paid too. We started getting letters, from lawyers, who the fourth debtors, got to help them collect their money. We called and told First Choice that the lawyers, were calling us. The First Choice team, said dont worry about the calls, because they were going to get it settled. They told us, we did not owe, any more money, which is what the agreement stated. They ended up not getting the last debt settled, and sent it to another debt management company. The new company wanted four more payments, from us. We said no, because that was not part, of the original agreement. We had to take the balance, that was left, in my wifes account, and we are paying the debt back ourselves. We are very unhappy that they did not fulfill their commitment and were untruthful to us. We dont want anyone else, to have to through this nonsense. I called them several times and they never returned my calls. I wanted to speak, with a manager, and they did not see fit to call me back.
Product: Credit card

Synchrony Bank offered me a hardship program in response to a past due amount on a XXXX account. After talking with their agent, I agreed to have a series of automated payments deducted each month from XXXX/XXXX/15 through XXXX/XXXX/15. My understanding was that in agreeing to their offer, my account would report as being paid current to the credit bureaus and late fees would be waived for the duration of the program. However, despite making my payments on-time as agreed, Synchrony Bank is still reporting my balance as being 60 days late and still charging late fees.
Product: Debt collection

I was in the process of buying a car when it was brought to my attention. 
The following account are not mine I cant find any contracts for business with this company I have never done business with FEDERAL ADJUSTMENT BUREAU COMPANY ( FABCO ) there is a account entry XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt. I failed to see anywhere that FABCO is in compliance with 1319.12 ( O.R.C. ) Taking Assignment of Debt! I would like the see any return checks for business? I demand to see any and all legal documentation connected to this account ASAP!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I just got a letter saying there is another escrow shortage and my payment is going up more than {$200.00} a month. I have a loan for poor people called a home affordable modification program loan. I want these people to know that there are agencies such as yours checking them out. Fay Servicing seems like a very very very crooked Company. How could alone for poor people go up that much? I cant pay that. before I call them and get the runaround I would like for them to know that they are being watched for fraudulent activity. my house payment right now is {$2000.00} and my new payment is supposed to be {$2200.00}. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was left by my great mama and I am struggling. Please help me. My new payment is supposed to start in XXXX.
Product: Credit reporting or other personal consumer reports

: Immediate Demand for Removal of Incorrect Bankruptcy Entry I am writing to demand the immediate removal of the bankruptcy entry incorrectly listed on my credit report under the name XXXX XXXX XXXX, with a reference to XXXX  XXXX Bankruptcy filed on XX/XX/year>, in the U.S. Bankruptcy Court, North Carolina, XXXX ( Reference Number : XXXX ). This is not my bankruptcy, and its false reporting is causing direct harm to my credit and reputation. 

This inaccurate entry constitutes defamation of character and is actively injuring my ability to access credit and exercise my financial rights. The Fair Credit Reporting Act ( FCRA ) requires that all reported information be accurate and verifiable, and your failure to ensure this has placed me in a compromised financial position. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has filed legal action against XXXX and Equifax for failing to conduct proper investigations and for reporting inaccurate information. This case demonstrates XXXX  ongoing violations of FCRA requirements, specifically the obligation to thoroughly verify disputed information. Your actions in this matter further reinforce this pattern of negligence. 

Additionally : XXXX. Bankruptcy courts do not report information directly to credit bureaus, nor do they act as furnishers of such data. Any claim that this information was verified through the court is therefore false. 
XXXX. The only entities with access to such records are XXXX and XXXX. I have opted out of sharing my information with XXXX, and PACER requires payment to access records. Without direct and verifiable evidence, this entry is unsubstantiated and unlawful. If you can not furnish any documentation directly from the bankruptcy court on their letterhead, then you must act now and remove This immediately, as it is injuring my person and keeping me from accessing my rights to Credit. This is defamation please follow the demand below. 

I demand the following actions to be taken immediately : XXXX. Remove this incorrect bankruptcy entry from my credit report immediately. 
XXXX. Provide written confirmation that the entry has been removed. 
XXXX. Provide documentation of how this information was obtained, including the name and contact details of the entity that provided it. 
XXXX. Explain why XXXX failed to comply with the FCRA by reporting this false information without proper verification. 

Your negligence in this matter has caused me significant financial harm. If this entry is not removed immediately, I will have no choice but to escalate this matter by filing formal complaints with the CFPB, pursuing legal remedies for defamation, and seeking compensation for damages caused by this false reporting. 

This matter requires immediate attention, and I expect confirmation of the removal of this entry within 5 business days. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I signed up for a citigold checking account because of a promotion that they were running for XXXX XXXX XXXX miles. There was nothing that stated it was an invitation only offer and I fulfilled the obligations to the offer. They confirmed that I completed the requirements in XXXX. Now however they refuse to fulfill their obligations. They state that I was not targeted for the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became of victim of identity theft and had made contact with the three major consumer reporting agencies regarding this issue. For some reason accounts that have been blocked or deemed has fraud under the Fair Credit Reporting Act Section 605b are appearing on my credit report. The account is listed under a company by the name of Mid-South Adjustment Company has recently placed an Medical Account on credit report without sending any 5 day initial notice of obtaining the debt which is a Fair Debt Collection Practice Violation and in addition failed to adhere to the Health Insurance Portability Act. This debt was from the direct result of identity fraud and has been re-sold which breaks the chain of the command and constitutes yet another violation of the Fair Debt Collection Practice Act. This is a clear violation of my consumer rights and I will seek legal action if this matter is not resolved promptly.
Product: Checking or savings account

I am not a U.S. Bank customer nor ever opened an account with the bank nor desire to ever do so. 

U.S. Bank added my phone number to another customers existing account. This is a huge security and privacy issue for both ways. 

I have gotten text messages on my phone number from U.S. Bank ( XXXX ) about that customers transaction ( s ). 

I contacted U.S. Bank and they kept trying to solicit my personal information ( SSN ) despite me not desiring an account nor a relationship with the bank. This information would be completely useless since I do not have an account with U.S. Bank in the first place. 

I am not sure if my phone number has been removed from their account. Having my phone number even linked like this to someone elses identity is very problematic, considering that my phone number was linked to their account without any code verification ( OTP ) nor my consent. I wonder how many other security issues occur at this bank. 

I want a clear-cut resolution which is the complete removal of my phone number from all U.S. Bank account ( s ). I am willing to sue for maximum damages and launching large investigations into this banking institution if this is not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries appearing on credit report. 

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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
U S DEPT OF ED/XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This account belongs to my father. Experian updates the account and states that it belongs to me. My father XXXX XXXX called XXXX in XXXX and recorded to the CS rep. that he did not authorize XXXX to add me XXXX XXXX as an authorized user. He requested that they terminate me from his account and they did. XXXX re-investigated and removed XXXX from my Credit Report. I need Experian to do the same. I request that Experian to review the recordings that my father left with the XXXX Customer Service Rep in XXXX. In doing so, Experian will find that XXXX added me without my or my father 's authorization. ( THIS ACCOUNT DOES NOT BELONG TO ME ).
Product: Vehicle loan or lease

I took out an auto loan in XX/XX/2019. Ive consistently made payments toward the loan for the life of it so far. However, Ive noticed throughout these payments, usually made first thing in the morning on a Friday, that payments are not applied until 3-4 days, sometimes 5 or more days later. With a very high interest rate, Im concerned about all of the interest the late application of payment adds up to over time. The company my loan is financed through is Santander Consumer USA. Ive already paid half the value of the initial loan amount, yet nearly the entire principal amount remains to be paid. Statement details are extremely vague and clear answers from customer service on how this process works have been impossible to obtain.
Product: Credit reporting or other personal consumer reports

In recent months, I discovered several inaccuracies and unauthorized inquiries on my credit report, which have negatively impacted my credit score and overall financial standing. Despite my attempts to resolve these issues, the inaccuracies persist. Below is a detailed description of the incidents : Personal Information Discrepancies : I noticed multiple errors in the personal information section of my credit report, including incorrect names, Social Security numbers, phone numbers, and addresses. This has led to a major delay in home purchasing and I am a XXXX XXXX veteran that is being taken advantage of by the inaccuracies of the credit bureaus and refusing to remove the info. 

While I was away I had my information compromised and this has led to a vicious cycle of public embarrassment, financial dependence and poor living.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX in XXXX XXXX to update my Equifax credit file because the loan balance was incorrect and they did not update the payment history since last XX/XX/XXXX. On XXXX XXXX, I got an alert saying that the account was updated, but they showed I was 30-59 days late for the month of XXXX. That is incorrect. I have never paid late on the loan. Every payment was made before the end of the grace period. I was never charged a late fee. Nothing. But yet, when they updated my Equifax credit file on XX/XX/XXXX, it was showing only payment history for XXXX and with XXXX late. There was no payment history for XXXX, even though I got the loan in/or around XX/XX/XXXX. It is reporting correctly on XXXX and XXXX. The loan has never reported correctly on Equifax. It was initially duplicated when XXXX XXXX became a bank. It took me months of disputing with both Equifax and the company directly to get one removed from my credit file. As a result of this error, my credit score XXXX points yesterday. I went from XXXX to XXXX. This is disgraceful on every level possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 occasions and most recently in XX/XX/XXXX I have disputed a public record entry of a XXXX  XXXX that does not belong to me with Experian. They are unable to provide me with any contact phone number or address. In XXXX they provided me with a phone number and it was not a valid phone number.
Product: Debt collection

Velocity investment LLC brought a debt from XXXX. In which Velocity investment failed to provide proof of validation and proof of purchase. 
I email them and have no response from them and an as well XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX/XXXX  XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX