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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : Dispute of Inaccurate Information on Credit Report Dear Equifax, I am writing to dispute inaccurate information in my credit report. I have been a victim of Equifax 's negligence in its credit reporting dispute process, as outlined in the Consumer Financial Protection Bureau ( CFPB ) consent order dated XX/XX/year>. 
As you know, the CFPB found that Equifax violated the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) in several ways, including : Failing to conduct reasonable reinvestigations of consumer disputes Failing to provide timely notice and all relevant information to furnishers regarding disputes Failing to review and consider all relevant information submitted by the consumer Unlawfully reinserting previously deleted information Failing to provide adequate notices of results of reinvestigations Failing to maintain reasonable procedures to assure maximum possible accuracy related to processing disputes Engaging in unfair acts and practices by using ineffective systems and flawed processes Failing to comply with identity theft block requirements Providing inaccurate consumer reports due to coding failures and other technology failures I have experienced the same issues with my disputes. I have submitted several disputes to Equifax, but inaccurate information remains on my credit report. I have included copies of my prior dispute letters and any supporting documentation. 
Due to Equifax 's negligence, I am requesting the following remedy : Removal of the following negative accounts from my credit report : 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 I believe this is a fair and reasonable request given Equifax 's repeated failures to comply with the FCRA. I hope that Equifax will take this request seriously and take immediate action to correct my credit report.

I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I've had tried to contact Direct Management Inc., on numerous occasions concerning ( 2 ) debts in which I have no knowledge. I have requested debt validation and/or contract agreements between Direct Management Inc. and myself, but they have failed to provide them. One one occasion an account was removed from credit file and now has re appeared. They have illegally scared my credit and violated my rights under the HIPPA Privacy Act. Please help me to resolve this matter promptly. Direct Management Inc. is running and illegal service under HIPPA 's guidelines.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to deposit {$100.00} cash into wellsfargo atm. The atm feeder seemed defective and ate the cash without allowing me to pull it out. However, it did not credit my account. I went inside the branch and the staff would not help as they claim the ATM is managed by a third party. So they could and would not open it to attempt to retrieve the cash. I was told my only option was to file a claim and Id hear back in 2 weeks. As of today, I called and was told my claim is denied and I have no communication of this outcome or reason from Wells Fargo. This is the first of many issues with this branch and organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX for cellular phone service in approximately XXXX early XXXX. The service was month to month, there was no contract and there were no phones purchased on the account. The phones were free when you switched lines. In XXXX of XXXX, I switched phone companies for a cheaper rate. XXXX continued to bill for phone service that was not received because the phones weren't even on or they charged for phones that I did not owe for. Additionally, the debt was incurred in XX/XX/XXXX and the debt date reporting has changed to now XX/XX/XXXX. The amount of XXXX is fraudulent and incorrect.
Product: Credit reporting or other personal consumer reports

I am challenging and requesting a thorough investigation of the inaccurate accounts on my credit report. The Fair Credit Report Act stipulates that I should receive {$1000.00} for each error. FCRA 605B mandates the reporting of any incorrect information on a consumer 's file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 US Code 1681 ( a ) ( 2 ) ( i ), 15 US Code 1666 b ( a ), 15 US Code 1681 e ( b ), The credit bureau are breaking the law and violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of my previous request, the three credit bureaus neglect to fixed my credit accounts. With this situation, I want you to assist me in correcting the accounts immediately. It has come to my attention that the three credit bureaus have unlawfully disclosed my personal and private information to unauthorized third parties. I demand an immediate investigation into these violations based of the FCRA Section 605b. The following items should be corrected immediately 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 believe in XX/XX/XXXX I contacted Equifax by phone, twice, in regard to their online website. I tried to register my husband and me, online, with new accounts with Equifax for both of us as we were buying a new lawn mower and I wanted to remove a freeze which I had put on 6-12 months prior. I could not create the online accounts. A screen came up with a number to call. When I called the number I got a rep who spoke with a thick accent. He wanted me to verify that my husband was really my husband. I let him talk to my husband. Then he wanted very specific info from me from 20 years ago. I could not remember the address of where we lived 20 years ago. The Equifax rep told me he could not either release the freeze or help me until I gave him exact information from 20-30 years ago! I told him thank you and hung up. I have tried and tried and tried to create new logon info to the Equifax website and the website always gives me a screen to call : XXXX. When I call that number is it the breach of Equifax reporting number and THEY refer me back to the website! This company is horrid, it has the worse customer service ever and I worked in customer service for years and know what is demanded of a customer service rep. Their chat device online gives bogus info. They should not be in business and definitely should not be handling private info for consumers! If you want to get them to do anything, you must send them very private info, driver 's license copy, social security number, through mail. I will not do that. Are they nuts? Please help me do something about this credit reporting company.
Product: Credit card or prepaid card

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX oclock XXXX and before XXXX oclock XXXX, local time at the consumers location 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, 15 U.S. Code 1605 - Determination of finance charge ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable
Product: Debt collection

Yeah I Send Dispute To Creditor But I Never got Response back from them at all .. 

XX/XX/2019 Balance is {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Product: Credit reporting or other personal consumer reports

I have recently obtained a copy of my consumer credit report from your bureau and I am disputing the completeness and accuracy of the following information. This information is adversely affecting my consumer report, and I request that you promptly correct it. 

XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX USAXXXX, XXXX XXXX XXXX and XXXX XXXX XXXXXXXX. 

I trust that XXXX days is a reasonable timeframe for your investigation. Following your investigation, please furnish me with an updated credit report along with the names, addresses, and telephone numbers of the individuals who have been contacted.
Product: Debt collection

Capstone Credit collections LLC at this point i would like to SUBPOENA XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to court to talk with him in person and handle my alleged debt that's 1year an 8 months away from being deleted from the credit reports CAPSTONES IS VIOLATING THE LAW by holding me back from my future goals for my family and business.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several mistakes on my credit report after disputes still no results or correction has been made speaking with the credit agencies has not done any good as well unfair credit score reflects bad trying to obtain credit or make purchases I uploaded paperwork showing debts was paid but still no results when you ask for proof of and dispute and a consumer send that proof the companies should not have a leg to stand on but all of the credit agencies are not making the correction on the consumer credit report siding with the companies and making incorrect reporting on the consumer reports I have tried making corrections for several years so when you ask for dates there are several
Product: Credit reporting, credit repair services, or other personal consumer reports

I have placed a fraud alert on my credit report and I have several inquires that I did n't give consent to run my credit on. Please remove them from my credit report as I have no knowledge of these inquires and gave no permission to run my credit. I have contacted the credit bureaus to have them removed and have been unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV I DO NOT OWE THEM ANYTHING PERIOD.
Product: Checking or savings account

On XX/XX/XXXX, I made a transaction with a company called XXXX XXXX. The company stated in order for me to receive a refund, I needed to cancel the service within 3days. Service was cancelled the same day and the company agreed to refund me the amount of {$380.00}. I filed a dispute on XXXX in regards to a charge of XXXX from a merchant XXXX XXXX APARTMENTS. I filed a dispute because the merchant stated in XXXX they will refund me the amount and i should wait 30days. After waiting until the end of XXXX and not receiving the check, I contacted Webster Bank to inform them of the situation and told them I would like to dispute the transaction because the merchant stated they will refund me and never did. 

Webster Bank initiated the dispute and provided me with provisitional credit. 

In XXXX I received a call from XXXX XXXX stating they will not be refunding me anymore because they received documents from Webster Bank stating I was disputing the transaction. Mind you I have back and forth emails between the merchant and I. Merchant kept lying to me stating they were mailing me a check and didn't. 

On XX/XX/XXXX, {$380.00} was debited from my checking account from Webster Bank in regards to my dispute. They stated my dispute was denied because I didnt provide the documents they requested. I informed Webster Bank that I never received any documents from them because I am currently not at the address they sent the documents to. I explained to them I go to school in a different state, ( TEXAS ) and I am currently in Texas until XXXX. I told Webster Bank I wasn't aware they were sending me documents. I proceeded to update my mailing address after I gave it to them previously. I requested they reopen the case since I never received the documents they sent me. 

On XX/XX/XXXX at XXXX I spoke to XXXX in the dispute department she informed me the dispute that was reopened was denied because I didn't send the information the first time they requested. I informed her again that I never received the documents! She proceed to tell me there's nothing she can do and I need to contact the merchant. The merchant told me because I disputed the transaction, they can not send me the check anymore. But the same Merchant previously lied and told me they already sent me the check back in XXXX but NEVER DID. 

On XX/XX/XXXX I faxed Webster Bank informations between the merchant and I. I faxed them email of me requesting my Money from the merchant and the responses from the merchant as well.

Now {$380.00} is missing from my account and the Merchant is refusing to refund it now and Webster Bank IS TELLING ME there's nothing they can do!
Product: Credit card or prepaid card

My last complaint was closed. This is an addition to it. 

No matter how much paper they throw at this issue it is very simple. 

I NEVER authorized the use of my card for the charge in question AND the company ALTERED the receipt to justify using my card. NOBODY can show a receipt with my signature that authorizes discover to pay this bill!!!
Product: Credit reporting or other personal consumer reports

Based on, 15 U.S. Code 1681i ( 5 ) this account is in violation not reporting 100 % accurate.. This section requires that if an item is disputed, the credit reporting agency must promptly update the item in accordance with the results of its investigation. I request that you conduct a thorough investigation and update or remove the disputed items as necessary.

15 U.S.C. 1681e ( b ) : This section mandates that a credit reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in the consumers credit report. The information currently reported is inaccurate and, therefore, does not comply with this requirement.

Pursuant 15 USC 1681 section 602 A states I have the right to privacy.15 U.S.C . 602 ( a ) : This section obligates credit reporting agencies to use their services for the purpose of credit reporting and to maintain reasonable procedures to ensure that their reports are accurate. The inaccurate entries on my credit report indicate a failure to comply with these procedures.

Pursuant 15 USC 1681 section 604A section 2 : It also states a consumer agency can not furnish accounts without my written instructions I am requesting the original copy of agreement, terms & conditions. Failure to comply will forfeit your claims and will require you to delete all the listed items on the attached document. You are required to do what I am asking and black these transactions from my consumer report within 4 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax 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 ( File No. 2025-CFPB-0002 ) 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. 


These are the accounts I have marked as inaccurate : XXXX XXXX- Account number : XXXX ( {$1100.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$490.00} ) XXXXXXXX XXXX XXXX Account number : XXXX ( {$750.00} ) XXXX XXXX XXXX- Account number : XXXX ( {$2500.00} )
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Regarding [ Type of Product/Service ] Dear CFPB, I am writing to file a formal complaint against National Credit System regarding debit amount . Below are the details of my complaint : Product/Service : National Credit System Account Number : XXXX Issue Description : Of the time of the debit I did not live there I have letter to prove this Desired Resolution : [ What you would like the company to do to resolve the issue ] I have attached copies of relevant documents, including Shelter letter. 
I appreciate your assistance in resolving this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX account for {$690.00} at XXXX XXXX account for XXXX and the XXXX XXXX account for {$270.00} also XXXX  is reporting the same things I have called Equifax multiple times and they have refused to fix the problem
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

I have setup XXXX Account to receive payments but when customers are trying that XXXX account email address system says email not found. 
Raised this issue with XXXX but got not response and issue is still there.
Product: Credit reporting or other personal consumer reports

Cfpb upon looking at my Experian credit report I noticed that Experian removed a positive account for my credit report today which I had over a year and I did not give them written consent to furnish my credit report. Also I'm uploading documentation so that you can see that when they removed my positive XXXX XXXX XXXX XXXX it took my credit score down XXXX points cfpb please make Experian reverse the action and put that back on my credit report thank you
Product: Debt collection

The company ( Aargon Agency ) calls me repeatedly ( 5 to 6 times in a row ) before XXXX at times. I have asked them to stop as well as called and told them i am currently disputing as well as working on a payment plan I since i am in fact trying to work things out ), also I am asking them to give me some time and not continuously contact me which feels like harassment. I am attaching phone logs below.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my report today and I noticed some inquires Im not familiar with I tried numerous amount of times to get some information on it but its been passed 30 days and I have not gotten any response please remove this inaccurate information : XX/XX/XXXX-XX/XX/XXXX Experian XXXX XXXX XXXX Experian XXXX XX/XX/XXXX experian XXXX XX/XX/XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian 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