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

EQUIFAX has failed to fulfill its legal obligation under the Fair Credit Reporting 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 EQUIFAX, 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 EQUIFAX has neither corrected nor 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 XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called transunion credit report asking about the inquires taken off and put back on my credit report. They told me that report was not affected but i did see my inquiries were taken off and put back on. I would like to know the dates and they this glitch took place. I would like this inquires taken off my credit report.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I filed a reinvestigation dispute request with Equifax on XX/XX/XXXX about an account by the name of XXXXXXXX XXXX. With the account number as being XXXX. But on XX/XX/XXXX after Equifax completed their reinvestigation. They stated that the account information I disputed was accurate and verified by the data furnisher. And there wrong because the data furnisher left out some payment history. For the months of XXXX and XXXX in XXXX. And this is a major violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the blocking and deletion of the accounts and inquiries listed below, which have resulted from this breach. I ask that these items be blocked and permanently deleted from my credit report immediately. 
Accounts to be Blocked and Deleted XXXX. XXXX XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$19000.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$660.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$3600.00} XXXX. XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$4600.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$5100.00} XXXX. XXXX XXXX Account # XXXX Date Reported : XX/XX/XXXX Amount : {$0.00} Inquiries to be Blocked and Deleted XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/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 XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. 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 XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called the police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
Product: Vehicle loan or lease

I have tried by phone, mail and text to have them send me a mailed copy that the loan is closed and they tell me they are a green company and refuse to send me a letter showing the account is closed I have been trying for 67 days to have this resolved. Arivo acceptance , LLC. this is a car loan that is paired off.
Product: Money transfer, virtual currency, or money service

I spent XXXX of dollars through a XXXX company called XXXX, also known as XXXX attracted by promises of cashback percentages as high as 36 % on each purchase. Many other companies offering similar deals on identical purchases competed with XXXX. My decision to make these purchases heavily relied on XXXXXXXX XXXX cashback promises. Additionally, XXXX incentivized me to refer colleagues and family members with offers like " Refer & Earn $ XXXX, '' encouraging them to make purchases through XXXX  as well. 

After intercepting and accumulating substantial sums that merchants sent to me, my colleagues and family members, which were rewards for making substantial purchases with those merchants, XXXX  unjustly intervened and withheld all cashback payments that were supposed to be credited from merchants to me, as well as to my referred colleagues and family members. Subsequently, XXXX terminated all our accounts. Despite countless hours spent attempting to resolve these issues, XXXX only cited a vague " violation of our program terms '' after extensive delays. Furthermore, XXXX engaged in defamation and libel, causing irreparable damage to relationships with my colleagues and family. 

Upon investigation, it became evident that tens of thousands of similar complaints exist against XXXX, with a large percentage unresolved. Unlike competing cashback companies offering similar percentagesXXXX XXXX appears uniquely plagued by such issues. It appears XXXX profits immensely, potentially in the billions annually, by intercepting and retaining funds intended for customers sent from merchants who trusted XXXX to act simply as a fiduciary. 

Incredibly, when the many victims of XXXX made inquiries to XXXX about their missing rebates, XXXX  's agents/assigns apparently responded by saying : " XXXX ''. 

We urge all victims of XXXX to opt out of the arbitration clause in RAT 's terms immediately. For those considering further action, my cousin is an XXXX XXXX  who has won numerous XXXX Prizes for exposing this type of corruption ; also a friend who serves as an Assistant District Attorney in XXXX XXXX, CA, can assist in filing additional complaints.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN TRAFFICKING. I HAVE REQUESTED A COPY OF MY CONSUMER REPORT SO I CAN DETERMINE WHAT NEGATIVE ITEMS NEED TO BE REMOVED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted company about incorrect information on report and company did not properly investigate
Product: Student loan

See complaint XXXX My Federal Student loans were serviced by Nelnet. In XXXX of XXXX, I finished paying off my student loans. I received payment in full notice for each of my six outstanding student loans. In late XXXX my parents received a letter at their home stating that my loan was past due. As I had paid my loans in full, this was surprising. I called Nelnet and after 2 hours on the phone I was told they had made a mistake I would be placed on Administrative Forbearance. I received another past due statement a few weeks later. Checking my account, I found I had not been placed on administrative forbearance and interest was accruing on these loans I had already paid in full. Another 2 hour phone call and I was told they were just processing it and I didn't need to take any further action. It now XXXX of XXXX. There is still no forbearance on my account and the balance on loans I have paid in full is still there. Through email, I have requested written documentation of where this additional XXXX dollar balance came from. Both times I have received a canned response instructing me to call because " it is often difficult to discuss more complicated matters using email communication ''. I have paid these people. It is effecting my credit score. I was finally able to receive information over the phone that Nelnet made an error and over refunded my student loan as a part of their processes. However, I still have not received documentation in writing as to the specifics of where the additional funds are.
Product: Vehicle loan or lease

I had a previous complaint for the same company XXXX. The issue has NOT been fully resolved. When I log into my account on their app it says the current amount due is {$0.00}. However when I look at the paper statement it says XXXX different amounts. It says my regular payment of {$320.00} then below it says current amount due {$290.00}. They have several XXXX XXXX XXXX XXXX links that show a phone number to call but you can not reach a human. You literally have to send an online message, then wait for a response from them telling you to call a different number with an extension. It is completely inconvenient when I'm getting incorrect info from all areas. This company is a joke. It seems they are providing incorrect info so they can charge people fees and make their money that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does n't want to delete all the negatives collections and Unauthorize hard inquiries and negative accounts that are closed after Bankruptcy Chapter XXXX after it was discharged by Federal XXXX, Texas onXX/XX/XXXX,2016. There should n't be no negatives like collections or creditors open accounts like XXXX XXXX credit cards, all account on credit reports should be deleted. The only creditors that should be displaying on my XXXX, Transunion, XXXX should be XXXX XXXX XXXX and XXXX XXXX XXXX. All other creditors was included on bankruptcy chapter XXXX and XXXX data should delete all discharged creditors. XXXX is in violation of my ADA Disability Act Civil Rights under the Department of Justice and Federal Bankruptcy Laws.
Product: Credit reporting or other personal consumer reports

Jefferson Capital Systems , LLC posted a collection account on my credit report without first attempting to contact me. The account showed up with a date of XX/XX/2023. They have no proof of an attempt to contact me, as I have no proof of them attempting to contact me. This is a violation of my rights under the FCRA. The company is attempting to leverage their negative credit reporting as a tactic to get me to pay a debt that has not been validated.
Product: Credit reporting or other personal consumer reports

I asked the company ( XXXX  ) for months that reported the late payment. How was I leave for XXXX given the 30 days to pay it before it reported to the credit bureaus. If they reported it early XXXX. XXXX  reached out to me and said I had a missed payment for XXXX. Then they changed and said it was for XXXX. After they had already emailed me and told me that my XXXX payment was successful. I have tens if not hundreds of emails with XXXX  for months at a time on how it doesn't make sense how I have a late payment. I have almost XXXX accounts on my credit report and never missed a payment!!! XXXX  randomly closed their company and had another company takeover so it's not even ran by the original company that gave me the late payment
Product: Credit reporting or other personal consumer reports

Credit Bureau reporting inaccurate balance on my credit report preventing me from obtaining new housing etc.. I paid this account off on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent bank account that is reporting on my EWS and XXXX XXXXeports. I have viewed my reports and I have never opened this fraudulent account. This account has destroyed my ability to create relationships with new banks and is hurting me in ways unimaginable. It is extremely unfair that I have to deal with this when the fault is not my own. As a consumer reporting agency, you too fall under the laws of the Fair Credit Reporting Act. I am enacting my consumer rights by disputing this fraudulent information. According to section 605 B of the Fair credit reporting act, this account must be removed from my consumer report immediately. Failure to comply will be seen as an illegal act under FEDERAL LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to the Bureau a total of 4 times. I have stated I had no acknowledgment of this account and was asking for documentation for validation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked.

They have also written that if I do n't have any more documentation that they will " no longer investigate. '' Im sorry but that is unacceptable. Not ONE account that was listed was verified, shown form of verification, not updated, or taken off my credit report. I have done everything the proper way. I have informed them if they continued to not comply I was going to use my rights and use litigation and get monetary damages under FCRA section 616 & section 617.
Product: Credit reporting or other personal consumer reports

I am reaching out to TransUnion regarding the investigation of my XXXX XXXX account. Recently, I conducted investigations with XXXX simultaneously XXXX. XXXX completed their investigations and subsequently deleted the account. I understand that all three credit bureaus follow the same procedures, including the Metro2 and E-Oscar systems, to delete accounts. If this is the case, why is TransUnion still reporting these accounts while XXXX isn't? Per the law, this is a violation. Delete this account.
Product: Credit reporting or other personal consumer reports

On the XXXX of XXXX I found two inquiries on my report These two hard inquiries were not authorized by me. 

XX/XX/2022 XXXXXXXX XXXX XXXX REPORTED AS FRAUDULENT INQUIRY XX/XX/2022 XXXX REPORTED AS FRAUDULENT INQUIRY
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : 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, credit repair services, or other personal consumer reports

Equifax is still reporting the following items inaccurately. Can someone please look into this. Thank You Accounts XXXX XXXX XXXX XXXX never late XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX inaccurate INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized EQUIFAX MTGE SER XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Debt collection

The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease. 

The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection.

Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement. 

The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ).

Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?
Product: Debt collection

TransUnion listed collection accounts, that can not be validated even by the collection agencies, on my consumer report without any written instructions from me as per the FCRA USC 1681b ( a ) ( 2 ). They have shown a blatant disregard for the law or whether their reporting is accurate or not. I have sent them a letter containing the FCRA 15 USC 1681b ( a ) ( 2 ) which they have violated and continue to violate, and demanded that they delete the accounts immediately from my consumer report, and I have also called and spoken with a customer service representative and a supervisor about the issue, but every effort have failed so far, as they have so far refused to act upon my demand to delete the accounts.

I am demanding that the collection accounts listed below be immediately deleted from my consumer report as they are a violation of my rights as a federally protected consumer under title 15 chapter 41.

1. XXXX XXXX XXXX XXXX. # XXXX Balance : {$110.00} 2. XXXX XXXX  XXXX XXXX # XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the student loan accounts XXXX/XXXX  XXXX, XXXX  XXXX, XXXX  XXXX with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal XXXX XXXX,
Product: Student loan

XXXX XXXX XXXX financial aid offices would routinely call students to inform them that their student loans had run out and pressure them to take on more debt. The bill for a two-year XXXX XXXX could run as much as {$90000.00} and leave students with little to show for it. I was told when joining the school that I had enough loans to sustain me but after I attended school under a year, I was told I needed to take out a private loan to stay in school. This was fraudulent on behalf of Navient and the school and after much research, I've discovered I am not the only one affected. At the time, the loan service was named Sallie Mae but Navient has brought their loans so I am paying them back. I am currently in the queue with the Borrowers Defense   Program for my Department of Education Loans because many of XXXX XXXX XXXX campuses have been closed due to its fraudulent and misleading tactics. I feel Navient/Sallie Mae is equally responsible because they were fully aware of the school 's tactics and helped convinced me the loan was needed. I was only XXXX years old. 

Loan Amount I was told I needed : {$14000.00} Disbursement Date : XX/XX/XXXX Current Balance as of XX/XX/XXXX : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX  {$580.00} XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1600.00}
Product: Debt collection

I requested not be contacted by synchrony bank I will attach proof of calls made to collect a debt after I request or contact to cease I also requested a validation address purchase agreement of debt synchrony bank failed to provide.

15 U.S.C. 1681 is part of the Fair Credit Reporting Act ( FCRA ), which governs the collection, dissemination, and use of consumer credit information. This section of the U.S. Code specifically addresses consumer reporting agencies ( CRAs ) and their duties regarding the accuracy of the
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681, this is defamation of my character including that I am trying to purchase a home. Additionally, I havent gotten my remedy or response for the past 90 days.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( a ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly delete that item of information from the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The below listed items have not been verified by the furnisher therefor please remove the following items from my credit report, immediately. 
XXXX XXXX