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

I am filing a complaint against Equifax for failing to properly investigate mu disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within XXXX 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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, which resulted in fraudulent accounts being opened in my name. These accounts have been erroneously reported on my credit file. I have diligently submitted an FTC Identity Theft Report and a police report to Experian as proof of this criminal activity. Despite multiple attempts to rectify this situation through the proper channels and providing all necessary documentation, Experian has not removed the fraudulent accounts from my credit report. 

Specifically, I initiated the dispute process on XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and provided detailed evidence of the theft. In addition, I have followed up with Experian on XX/XX/XXXXXXXX XXXX XXXX but my requests have been repeatedly dismissed or ignored. 

The refusal to remove the fraudulent accounts has severely impacted my credit score and is significantly affecting my ability to conduct financial transactions. The continued presence of these illegitimate accounts on my credit report is not only inaccurate but also unfair, considering the clear evidence of fraud presented. 

I am now seeking the intervention of the CFPB to address this matter, as the unresolved issues with Experian are causing ongoing harm to my financial reputation. I hope that this complaint brings to light the challenges victims of identity theft XXXX face with credit reporting agencies and leads to a swift resolution of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

I worked with XXXX XXXX XXXX ( XXXX XXXX ) to settle a timeshare debt. They where helpful and allowed for me to settle the debt with a payment plan. I completed the payment plan and settled the debt in full by XXXX of XXXX. 

The collections account no longer shows on XXXX or XXXX. However, it still remains on TransUnion. 

I disputed the account twice as it was still showing as Open and Late. This is causing red flags with my bank as I am trying to purchase a home. 

After disputing this account and attaching information such as a letter directly from the collections agency showing that the debt is settled in full, the results still came back as Accurate and No Change Needed. 

I worked with XXXX this week to see if there is anything else they can do for me. They offered to go on a conference call with TransUnion and shared an AUD number. 

I called TransUnion again to inquire about the options and let them know that XXXX Collections Agency. They where able to send another update to TransUnion in hope that it would help, but it had not. XXXX is just as confused as to where the glitch may be that is still causing this misrepresentation of my account. 

I called TransUnion and they said the only thing that I can do now is file a complaint with CFPB. 

I am looking for assistance as I am in the process of purchasing a home, please. 

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

Experian credit reporting agency has changed their phone options to make it literally impossible to reach a live person. I tried virtually every phone number and every option listed and all go to recordings and then automatically disconnect. Please try this with their main number XXXX. I am trying to manage a fraud alert and credit freeze and am unable to open new accounts or manage my financial life because of the inability to access a live person. The last time I went through this with them, the only way around it was to sign up for their credit monitoring, talk to a person after I paid the credit monitoring fee, and then canceled the monitoring. The other agencies have an option to speak with someone. Experian 's system is extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2023 TRANSUNION RETALIATED against me by lowering my credit score another ( XXXX points ) after I submitted a complaint to the CFPB after they ERRONEOUSLY lowered my score by ( XXXX points or more ) earlier this month. In addition, TRANSUNION Is still displaying old, inaccurate information is still showing up on my consumer report, including my NAME. 

UPDATE MY CREDIT SCORE TO ( XXXX ) PLEASE SEE THE ATTACHED LETTER
Product: Credit card

I have never missed a credit card payment an have an excellent FICO score, so imagine my surprise when I received an email notifying me that my XXXX payment had not been received by Target. I paid that bill on time, mailed it with a return address label along with several other pieces of mail, many days before the bill due date. The other mailed items all got to their destinations and I am sure Target got mine. I have no idea how it was lost. I called the XXXX number and was told by your rep that the only way to avoid the {$26.00} in service charges was to pay by check immediately. I gave him my information and told him I did not want it saved in the system. He told me that was not possible. That is outrageous given that Target has already been hacked. I want that information removed immediately. I contacted Target through their online contact us and got a response explaining that my information was secure and they again refused to remove it. This is not satisfactory. I believe that Target should not be allowed to save that information against my wishes.
Product: Credit card or prepaid card

APPRECIATED SENORS INVESTIGATORS CFPB AND CEO SIR DIRECTOR FEDERAL AGENCY DEFENDERS OF THE CONSUMER. 

FORGIVE, UNDERSTAND UDS ADDRESS THIS MAN IF HE HAVE PROBLEMS, BUT IT IS NOT THAT APPRECIATED SENORS THIS COULD BE RETALIATION OR FRAUD. 

I WAS APPROVED BY XXXX CREDIT CARD AND I HAVE COME PAYING ANTICIPATELY FROM XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX AND XXXX AND XX/XX/XXXX A CREDIT FOR {$150.00} DOLLARS AND FROM THE ABOVE MONTHS MENTIONED, I HAVE COME PAYING {$50.00}, {$47.00} {$38.00} {$44.00} {$60.00} {$50.00} {$47.00} {$50.00} XX/XX/XXXX AND I STILL HAD THEM AND I HAVE CHARGED FEE UNNECESSARY AND A DISORDER IN THE PAYMENTS MY STATEMENT HAS TWO CYCLES OF PAYMENTS ONE ON THE XXXX OF EACH MONTH AND THE XXXX OF THE SAME MONTH THERE IS A DISORDER WITH MY BILL OR IT IS I HAVE TO PAY IN 1 MONTH 2 TIMES EACH MONTH AND CREDIT LINE .... IT DOES NOT KEEP ALWAYS LOW WITH FEE OF {$35.00} THEN GO UP WITH PAYMENTS, AFTER LOWER WITH OTHER FEE, IN CONCLUSION XXXX WAKE UP WITH MY XXXX  COUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to open a credit dispute with XXXX  XXXX, XXXX who reported a delinquent payment on XX/XX/2021 to the credit bureaus which caused my credit score to plummet XXXX points to an unfavorable rating. I requested a payoff in mid XXXX and was sent a payoff letter and payoff was made on XX/XX/2021. This action has caused harm to my credit and I am unable to apply for another loan. I would like the record corrected, the delinquency removed and for your company to stop incorrectly reporting. I have reached out to the 3 bureaus and they said they only report what they are given from loan care. My wife has spoken to loan care twice and they are claiming they did not report this loan as delinquent. Both parties are pointing the finger and we are the damaged parties. I want this issue escalated to a second level supervisor and the department that reports out the credit file information. This has caused irreparable harm to our credit file.
Product: Credit reporting or other personal consumer reports

The removal of these inaccurate accounts from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$2600.00}
Product: Debt collection

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. 



Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary CAINE AND WEINER IS NOT LICENSED IN MY STATE 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have send certified letters to Cain & Weiner multiple times also credit agencies trans, XXXX, XXXX on XX/XX/2022, XXXX, XX/XX/2022, XX/XX/2022
Product: Debt collection

on XXXX, 2022, Peter Robert associates ( agency ) reported a debt collection in my Credit report, but I never had a contract with them. the original creditor was XXXX XXXX. and they violated my rights selling my account without my consent. I never received any information about that. I am requesting that this debt collection be removed from my report.
Product: Debt collection

I received emails from XXXX XXXX XXXX in relation for invoices dated for XX/XX/year> and XX/XX/year> threatening to take legal action and threatening a lawsuit if I did not pay on the debt. They would not allow payment plans and did not disclose that I had a right as a consumer to dispute the debt. They communicated by email with no phone calls, no explanation of the debt, and did not send anything by mail. As of XX/XX/year> they still have threatened legal action. They have violated the Arbitration agreement located within the agreement between the original creditor and myself and have violated several of my consumer rights.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 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
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

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

I am appalled by the ability of the Credit Bureaus to do nothing and ignore the letters I have been sending to them. The letters I sent on XX/XX/XXXX was already my 12th dispute letters sent requesting that they remove the disputed fraudulent items on my Credit report. I was a victim of identity theft, what proofs more do I need to send to the Cerdit Bureaus for them to finally remove the disputed items from my Credit report? For already a year, the Credit Bureaus have not complied with the FCRA section 605b which requires the Credit reporting agencies to remove any accounts and information that the consumer identifies as an items resulting due to identity theft. I am submitting this complaint to protect my rights which is clearly being violated by the Credit Bureaus. I would greatly appreciate it if the Credit reporting agencies would remove the following fraudulent items completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX LA XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA 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 Balance Owed : {$0.00} Date Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent a letter to XXXX dated XX/XX/ 2018 they never responded so i done more and more research how to go about information being reported incorrectly. They are saying {$400.00} was written off. This is false ive sent them multiple letters no response.
Product: Debt collection

called company tried to find out what this was and company did not have any of my information not my ss #, date of birth or anything tried to tell them that it wasn't me
Product: Money transfer, virtual currency, or money service

I had an issue with cash app, money was deposited on cash app without my approval. Requested fund back from the receiver they denied it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to dispute credit information through the XXXX website. The website stated that the information I provided did not match their records. I called Equifax directly and asked them to correct the issues ; however, they stated there was not an issue and that all of my information matched their records. I continued to attempt to access my credit report and file a dispute after verifying my information was correct and was not able to do that. I spoke with several staff members and was transferred to different departments at least 7 times and my issue was not resolved. Equifax stated that there was nothing they could do about the issue. I was unable to file a dispute on this date. 

On XX/XX/XXXX, I attempted to dispute credit information through XXXX. I attempted to enter my information and was provided with a message that stated that my request could not be completed because my information did not match their records. I called equifax and they stated that my information was correct and there was no way for them to problem solve the website error. They also stated that if I access my credit report from XXXX, that I could have access to my credit information. I attempted that with them on the phone and was unsuccessful - again given an error message about my information not matching their records. I was transferred between 2 different departments and spoke with XXXX different people. I was either told that they couldn't help me and that someone in a different department could resolve the issue OR that there was no department that resolves that issues and there was nothing could be done. After talking with the first 6 people, I spoke with a supervisor who stated that there wasn't anyone who could fix the issue because according to their information, there wasn't an issue. She stated that she would 'escalate ' my concern, then said they wouldn't call me because they don't initiate " follow ups ''. On this date I was unable to access my credit report and a dispute was filed over the phone because their information prevented me from doing this on my own. 

This issue has been going on well over 2 years and I still have not received a satisfactory resolution. It bothers me greatly that Equifax has access to my personal financial information and are not held accountable when neglecting consumer concerns and refusing to provide a trusting and accurate service to consumers.
Product: Credit reporting

I have never lived in XXXX, Ga. You have the wrong person for that address.
Product: Debt collection

National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX  XXXX added a collection to my credit report in XX/XX/2023. The original creditor never notified me, and National Credit Systems never contacted me in any way despite my mother being the guarantor on the lease with all contact information on file, including my permanent address, emails, phone numbers, and a forwarding address with the post office. I have had no opportunity to dispute this claim. I sent them a certified mail letter but am still waiting to receive a response.
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Equifax was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Credit reporting or other personal consumer reports

I am urgently notifying you that my credit report contains numerous fraudulent accounts that were added without my knowledge or consent due to identity theft. I request the immediate removal of these unauthorized accounts to correct this situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed an identity theft report with the Federal Trade Commission ( FTC ) and XXXX these fraudulent accounts to be promptly deleted to restore the accuracy of my credit report.
Product: Student loan

I set up a payment plan and Navient has been taking out {$160.00} per month on the XXXX. That payment was supposed to be divided evenly between my XXXX accts. It was not and XXXX account was not receiving any of my payment. This has happened several times in the past couple of years. Each time, I've been able to contact Navient and the issue gets fixed. 

However, now Navient is threatening me and my co-signed with default. They call multiple times per day and harass both me and my father ( co-signer ). I spoke with XXXX XXXX days ago. She said that now there is nothing we can do, even though it was the error of the Navient worker for not splitting the payments between the XXXX accts. 

I was informed that I have XXXX options. We can either pay {$6500.00} and be done with Navient or {$4800.00}, which would release my co-signer. I explained that we can not do this and she told me that Navient would move forward with attorneys. 

This is ridiculous. There is no way I can afford any sort of wage garnishment when this can be handled to fix THEIR error. I am so sick of dealing with this XXXX style bully tactic. 

I'll add that XXXX told me that when the economy took a hit so did Navient and they WILL get their money back. I've submitted multiple complaints on here and it doesn't go anywhere. 

I want someone to contact me with more than their " XXXX '' options, threats of wage garnishment ; and/or their aggressive XXXX 's ( " we're going to go after your business '' ) XXXX 's they've left XXXX times per day for my parents.