23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX I contacted all 3 credit reporting agencies and made them aware that I am a victim of Identity Theft and provided them with a copy of my police report, Identity Theft Affidavit, driver 's license and a recent utility bill and requested that they comply with the FCRA Section 605 ( b ), by blocking the information that I have detailed to them that was fraudulent on my credit file. XXXX and XXXX  acted immediately and blocked the fraudulent information, but Equifax refuses to do so. My follow-up phone calls to Equifax are being transferred to their Office of Consumer Affairs and I get nowhere from there. Equifax has stated that they do not have to comply with the FCRA and that they will treat the Identity Theft as an average dispute and contact the creditors in that respect on my behalf. The representatives that I have spoken to in Equifaxs Office of Consumer Affairs are very rude and condescending and during my latest follow-up call, when I suggested that this Identity Theft is likely a direct result of their recent security breach, the representative literally hung up on me. Equifax is deliberately refusing to comply with the laws that govern them and should be held accountable. I have simply asked that they comply with the law and block certain fraudulent information from my credit file after having provided all of the required documentation, but they refuse to do so. This is unethical behavior that they are displaying and I hope that they will not be allowed to continue to operate in this way.
Product: Debt collection

Account Resolution Service  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX   XXXX  Amount  XXXX  was paid to   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   Date open  XXXX / XXXX /   2012  Talked to  XXXX  and I was told that I do not owe any payments to them, called ARS and told them so they can remove from my credit report, as of today they still have this on my credit report wanting me to pay them. Also   XXXX   XXXX   XXXX   XXXX   do not use collections agencys
Product: Debt collection

AFFIRM INC, Subject : Dispute of Fraudulent Account - Account Number XXXX Dear AFFIRM INC, I am writing to formally dispute the account referenced above, account number XXXX, which appears on my credit report. This account does not belong to me and was opened fraudulently through identity theft. I have never opened an account with your company, nor have I authorized anyone to do so on my behalf. I request that you investigate this matter and remove this account from my credit report immediately. Please find attached a copy of my identification and any relevant documentation supporting my claim. I also request written confirmation that this account has been removed from my credit report. Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly. Sincerely, XXXX XXXX
Product: Mortgage

a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX
Product: Debt collection

SCA Collections of XXXX, NC has continually file collection attempts against me on medical bills I do not owe because I have had XXXX consistently for the past 7 years! I am a single parent, XXXX and I have no income except my child support and that 's not enough to pay my bills. If your health information is to be private, how can they collect on a debt I do not owe??
Product: Credit reporting or other personal consumer reports

XXXX called and told be about an account I was unaware of so I pulled my credit report and notices the following inaccuracies on my report. 
Creditor Name : XXXX Account Number : XXXX Dispute Reason : Account not mine Creditor Name : Credence Recource. Balance : {$640.00} Dispute Reason : Account not mines Creditor Name : XXXX XXXX XXXX Balance : {$4300.00}. 
Dispute Reason : account not mine Creditor Name : XXXX XXXX  Account Number : {$19000.00} Dispute Reason : Account not mie
Product: Credit reporting, credit repair services, or other personal consumer reports

This Nordstrom account appears on all 3 credit reports and I did not open this account. I have disputed it with all 3 credit reporting agencies to have it removed from my credit report. My credit score has decreased due to multiple fraudulent accounts opened in my name NOT opened by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a debt that I do not owe. I have reached out to the company to dispute the charges but I have not received a response back from management. XXXX XXXX is reporting a debt of over {$300.00} for services that were never rendered. I asked XXXX XXXX for a itemized bill which is within my rights according to the FCRA. They have failed submit a detailed bill. They are also reporting the bill on my credit report but I had a prepay service with the company. They never gave me any line credit and they are reporting it on my credit report as so.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for failing to provide the method of verification regarding disputed accounts. In CFPB complaint XXXX, Equifax responded stating that the company verified that the disputed information was accurate as reported. However, under 15 U.S.C. 1681i ( 7 ), the Method of Verification requires that credit reporting agencies provide specific information on how they verified the accuracy of the disputed data. Equifaxs response was insufficient and did not include any valid evidence or thorough investigation into the accuracy of the reported information. The accounts in question are XXXX XXXX XXXX XXXX, OFFICE OF THE ATTY GEN XXXX, and XXXX XXXX XXXX. In XXXX v. XXXX, the court made clear that credit reporting agencies must do more than passively accept a creditors verification. They are required to take independent steps to investigate the validity of the information, rather than relying solely on the original source of the error. By failing to do so, Equifax is in violation of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a request for validation of debt to Acima via certified mail ( Tracking no. : XXXX ) with green return receipt which was delivered on XX/XX/2023 and marked as " left with Individual ''. Enclosed in the envelope with the letter was the account number for the account in question, a utility bill for my current mailing address, my Driver 's License for ID purposes, a copy of my social security card, which was also for identification purposes, and a copy of my credit report that shows that they are in fact reporting to my consumer report. 

The letter that Acima has sent back to me is an inadequate response to a request for validation of the debt as they insist that I either do not have an account with them or that they do not have to investigate my request at all because I've asked them in investigate before and they satisfied their duty within the law. This is false. They have not once verified the debt with me or been cooperative in any capacity. They have sent the same letter both times I requested verification and both times they have insisted I do not have an account with them or that the information I have given them is inadequate, even thought I have given them every possible thing piece of identifying information I can give, along with the account number that is listed on the credit report. 

At this point they are practicing willful and negligent noncompliance pursuant to 15 usc 1681n, 15 USC 1681o, as well as being in direct violation of federal law 15 USC 1681a ( 1 ) ( A ) by refusing to investigate or reinvestigate the request for debt validation. 

The dispute does not relate to my identifying information as they have suggested. If they are unable to validate the debt and refusing to follow the law by falsly claiming protections under laws that do not allow to them in this situation then I have no choice but to file a police report for identity theft as I do not assume the debt as my own. I am will not continue sending letters or CFPB complaints for them to ignore, as I have done that for that for the third time now and they are ouright refusing follow federal guidelines that were set in place to protect me, the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over 70 credit inquiries on my credit file with XXXX, XXXX  and experian and as everyone knows credit inquiries take over a year or two to remove that inquiry. For over 65 of the credit inquiries I personally didnt apply for so i now need these inquiries on all my reports.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX XXXX XXXXXXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE : XXXX XX/XX/year> XXXX  XX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, acct. # XXXX XXXX XXXX and ACCT. XXXX XXXX has violated my rights. The credit bureaus stated that my accounts was properly investigated but how is that possible if the open dates are inaccurate, the last date are inaccurate. I have circle all the inaccurates on my credit report. This is grounds for removal from my credit reports. 15U.S.C. 1681 SECTION 602A states I have the right to privacy. 15U.S.C. 1681 SECTION 604A It also states a consumer reporting agency can not furnish an account with out my written instructions. 15U.S.C. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 15 U.S.C 1681s-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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: Credit reporting, credit repair services, or other personal consumer reports

I have contact the bureaus repeatedly about the consumer and they have failed to contact me about the file reporting on my credit. I have no knowledge of this account XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXe and XXXX XXXX.
Product: Debt collection

In XX/XX/2013 my ex husband took out a XXXX bill under my name without my knowledge. I had no knowledge of this account, and it eventually got transferred to a bill collector, also known as Trident Asset Management. 

I contacted Trident Asset Management last Monday - XX/XX/XXXX and requested a document stating my account on file had been closed out, as we are current going through Escrow, and my underwriter needed physical documentation to forgive the debt. 

I was told that a letter would be sent out, but never received one. So today, XX/XX/XXXX, I called back and spoke to a representative named XXXX, who eventually transferred me to the manager, named XXXX. She told me that they are n't contracted with Nevada, and refuse to give me any type of documentation, whether email or mail. 

She said the account had been closed on XX/XX/XXXX, but they will not send me anything stating so. I feel I should get something considering it 's my account and I requested it. So not only did they lie to me about sending out a letter and my waiting for it, but they have refused to help me with every phone call I 've ever made to them about receiving a letter. 

We are unable to get a house without this letter, so this is the only company who is holding us back, even though I explained this to them, everyone either brushes me off, lies or tells me I am not allowed to receive anything, just because I live in Nevada.
Product: Vehicle loan or lease

While out of town last year, my car was towed. Did not receive any notice or notification regarding this. Bridgecrest then sold my car with no notice or notification, took months to figure out what happened. Have never missed a payment and then paid off the remaining balance immediately once I found out what happened. Bridgecrest then tanked my credit by XXXX points. Complete XXXX.
Product: Credit reporting 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 U.S.C 1681 sunrise credit service XXXX Credit report transunion credit report. XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Debt collection

XXXX XXXX XXXX, 2023 I received a letter regarding an outstanding balance that I owe. It was an attempt to collect a debt. It was also addressed to a former tenant that I evicted. There was no language or statements/information verifying or detailing what the debt was for. There was no language or statements that include how to dispute the debt or what my Debt Collection Rights are. There were statements threatening to turn it over to Collection Agency with added costs to the balance. This threat would certainly harm my credit history with credit reporting companies. 

I sent a letter to this attorney asking for verification of this debt. I asked no more contact regarding this debt. I am not a current client of this attorney. My former tenant, who was evicted, made a statement in court that he hired this attorney. 
Attorney was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX IN XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company takes advantage of people through fast talking and minimal disclosures. I signed for this loan unaware of the total cost. The interest rate on the loan is 689 % which is illegal. 

I took out the loan for {$800.00} on XX/XX/XXXX and after {$1300.00} in payments, I called to pay off the loan on XX/XX/XXXX and the amount owed was {$680.00}. They had charged {$1200.00} in interest during 4 months. 

I called to pay off and they initially tried to make me wait 4 days so they could charge more interest, I told them no and to process ASAP to stop the interest. Then they told me that I had to pay with the account on file and if I wanted to change it would take a few more days ( more interest ). I requested a supervisor and then they transferred to me to another dept to make that payment by credit card. 

The rep advised that there may be foreign transaction fees for processing a card to which I advised that was not acceptable. Why do they have foreign transaction fees if their location is in Michigan and they are taking advantage of " Tribal Laws '' to bypass usury laws. 

This company and most of the people were XXXX XXXX - not XXXX XXXX. They are scammers, please help. 

Big Picture Loans is a wholly owned subsidiary of XXXX XXXX XXXX XXXX XXXX XXXX, a wholly owned and operated economic arm and instrumentality of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), a federally recognized Indian tribe, created for the benefit of the Tribe and operating pursuant to Tribal law. Big Picture Loans is a duly licensed Financial Services Licensee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, an independent regulatory body of the Tribe, and operates in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regulatory Code, which can be found here : Tribal Consumer Financial Services Regulatory Code.pdf.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've sent several letters to Transunion regarding questionable accounts that are being reported on my credit report. i've asked them on several occasions to show me proof that these accounts belong to me AND how were they verified as accurate. since the burden of proof falls on Transunion because they are reporting this as accurate, they've failed to provide me with such evidence. the accounts are : 1.XXXX XXXX 2. XXXX XXXX 3. XXXX 4.XXXX 5.XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

I recently received a copy of my credit report and notice a derogatory account for {$4600.00} that shouldn't be there. I disputed this account with all three credit bureaus by mail. On XX/XX/XXXX this account has been removed from my XXXX credit report as unverified but it still remains on my TransUnion report. After another dispute this account Still Remains I tried to explain to the representative at TransUnion that this account does not belong there and it has been removed from XXXX. The representative advise me that he cant remove it and stated this is TransUnion not XXXX. After another dispute I received the results on XX/XX/XXXX and this account is still on my report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Balance : {$81.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX XXXX : {$16000.00} ; XXXX  XXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$110000.00} ; XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$35000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXXXXXX AND XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to obtain my consumer report from this company on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX via facsimile at XXXX. My official document of a Driver 's License under category XXXX as implemented by XXXX meets all of the requirements. It has my current address/name and identifying information. However, they purportedly have DENIED my request twice for a consumer report. My Driver 's License has been copied at 130 % resolution which is more than satisfactory. I have even included a scanned copy to this complaint filed with the CFPB.
Product: Checking or savings account

Bank closed my account without notice ahead of the closure Causing financial stress and emotional stress Find out my account was closed because my automated payments were declined and vendors contacted me about my payments declined Bank closed on XXXX XXXX my account and my a week after I found out that my account was closed by not been available to log in When I called their customer service was rude and cut off my call called again and I asked reason they denied any explanation until now They did returned {$2000.00} and still hold on {$500.00} for no reason explaining
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted about making payment arrangements in my account, I was paying as often as I could and trying to stay as caught up as possible. At that time I was laid off at the time. I didnt want to haves late payment hit my credit report so I asked the representative that I made arrangements with. She stated to me that the company only reports late to the credit bureaus after 60 days. Not at 30 or anytime between 30-60. I did t realized u til months later while applying for a mortgage that they did indeed report to the bureau When I wasnt 60 days late. I tried contacting them when I found out and spoke with a XXXX on XX/XX/07 via their chat system. He was very rude and told me that I did not talk to anyone in his department that would have told me they only report at 60 days because everyone in his department knows they report at the 1st of every month. I never told him I spoke with someone in HIS department ... I dont even know what HIS DEPARTMENT is. I just informed him that I was told inaccurate information and now my credit is suffering because of the miscommunication and missed info. I believe that this is inaccurate information and the company refused to take care of it. I was never 60 days late and he verified that as well I was 54 days late for XXXX and XXXX but they still refused to fix the issue.
Product: Debt collection

I have a debt from XXXX XXXX  ( XXXX XXXX XXXX ) for XXXX that is not mines. Also a hard inquiry from XXXX, Ive Disputed these claims and talked with multiple representatives. Ive sent letters, faxs, and identity theft papers, with no resolution..
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ EQUIFAX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EQUIFAX ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,