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

I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite my proper notification and submission of required documentation. 

Statement of Pertinent Facts On XX/XX/XXXX I submitted a dispute regarding several fraudulent accounts on my credit report. I provided Equifax with all required documentation, including : A valid identity theft affidavit ; Proof of address ; A copy of my government-issued identification ; and Additional evidence linking me to a data breach.

Despite this, Equifax failed to block the disputed items within the four business days required by FCRA 605B. Instead, they stated that the accounts in question were " verified '' without providing the sources or evidence used for verification. Equifax 's response lacks transparency and contravenes its obligations under 611 to conduct a reasonable reinvestigation and provide documentation of its findings.

Legal Basis for Complaint 1. Non-Compliance with FCRA 605B Under 605B of the FCRA, credit reporting agencies must block information resulting from identity theft within four business days after receiving proper documentation. Equifax 's refusal to comply with this requirement directly violates federal law.

2. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) XXXX failed to adequately investigate and substantiate their claim of verification. The FCRA mandates that credit reporting agencies provide detailed information regarding their verification process, including the furnishers or third-party entities relied upon. This failure undermines my right to transparency and accuracy in credit reporting.

3. Precedent Case XXXX XXXX XXXX XXXX XXXX, 225 F.3d 1063 ( 9th Cir. 2000 ) : Establishes the responsibility of credit reporting agencies to ensure accuracy and address identity theft disputes promptly.

XXXX XXXX XXXX XXXX XXXX XXXX, 850 F. Supp. 264 ( E.D.N.Y. 1994 ) : Affirms the consumer 's right to a fair investigation of disputes.

Summary of Noncompliance and Violations Equifax 's inaction reflects a pattern of non-compliance with statutory obligations and a disregard for the legislative intent behind the FCRA, which aims to protect consumers from the severe repercussions of identity theft. Furthermore, Equifax 's failure to comply with the CFPB 's 2012 bulletin on handling identity theft complaints exacerbates this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly late for XX/XX/XXXX on the XXXXXX/XX/XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) The vehicle is paid off and the XX/XX/XXXX late that is being reported is false. I was even told I would be charged a late fee. Please keep in mind it would be impossible to be late and/or be charged a late fee on an account that is paid off. I called and the representative that I spoke with admitted that this was their mistake and that the late fee would be waived and the late reporting on my credit report for XX/XX/XXXX would be removed. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to remove this late of XX/XX/XXXX however, I have been unsuccessful.
Product: Mortgage

I have a mortgage complaint with Freedom Mortgage Co. which extent from 2014 to the present. I have spoken to a repersenitive on several occasions which have led me nowhere. I am really trying to resolve this with out getting legal help, which I can not afford. This is my problem, I have paid more on the principal than is not required and it never shows up on the following payment. In some cases a statement was typed in the Account Information section stating that " This is the Principal Balance only, not the amount required to pay the loan in full. '' When asked, What happen to the overage amount? I was told that their records did n't show an overage amount. I went to my E-Statement on lined, that showed that I had paid thousands to my principal that was not showing up on my account since 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge, I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report. 

XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX   XXXX {$1500.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX {$440.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX {$170.00} XXXX   XXXX XXXX XXXX {$480.00} XXXX   XXXX {$110.00} XXXX XXXX XXXX XXXX {$590.00}
Product: Student loan

I attended XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX, when I attempted to take out a loan for the school, I was too young and they coerced me into getting my grandfather to sign for me so I can attend their XXXX XXXX XXXX. When my grandfather started to get sick and eventually passed the school closed down, they lock the doors and lock their belongings inside and a few years later I noticed a hit on my credit score that I now old school who I didnt receive any kind of transfer credit or graduating I have been fighting with Navient then Aidvantage As well as the student aid for Borrower defense to help get this off of my credit score as well as report to the three credit bureaus that this loan was predatory and it has ruined my life. Im unable to get a car. Im unable to get certain credit cards. Im unable to sign for an apartment on my own at XXXX XXXX XXXX because a school closed down, took the money that I gave them and ruined my credit for the rest of my life, I dont see how they have been closed for predatory actions against people, but Im stuck having to pay alone and I didnt receive anything from the school that helped. I got my own job at XXXX XXXX XXXX XXXX XXXX XXXX  They didnt help me so I dont understand why I owe a business thats closed for the school that isnt the newspaper for literally being found guilty of these actions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX XXXX has been retrieving incorrect information from XXXX and Experian. 

Debts on the account are reported multiple times and are old accounts. 

There is a debt showing with a balance of over {$1300.00} when it has been paid. 

Because of this incorrect information, I have been denied an apartment, that I so desperately need due to not having a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts that are on my credit report that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair credit Reporting ACT. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXl account # XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX 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
Product: Mortgage

di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously mailed the attached letter below on XXXX and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Product: Money transfer, virtual currency, or money service

My bank account with Chase was closed over 3 years ago through XXXX by which I did not do. I believe that I am a victim of fraud and have my consumer report that I wanted to show you to overturn the decision to close my bank account.
Product: Checking or savings account

On XX/XX/year> a man came up to me while going to the atm and was begging to help him. He wasnt able to pull his money out of the bank due to not having a SC state ID and not having a Wells Fargo account. He said his money was trapped in a check and that he just needed someone to help access it. Out of pity I wanted to help him get back home, he submitted {$400.00} into my checking account and {$400.00} into my saving account, then withdrew {$800.00} out. The atm did not catch that it was a fraudulent check and allowed the money to come in and out of my account. XXXX  days later the bank returned the check and removed all money from my account. Immediately after I saw this I called and filed a scam and tried to dispute in a claim. Within 5 days I got a message back from the bank saying that they denied my claim and that I am not able to appeal the decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security and credit has been damaged by someone using my number for years
Product: Credit reporting, credit repair services, or other personal consumer reports

I received four bills ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for {$19.00} ( {$79.00} in total ) from TransUnion credit monitoring service, however I never agreed to or requested these services. Over a year ago, I signed up for a free account with TransUnion. I checked my credit score once and never returned to the site. I recently discovered these fees in my credit card statements without any notification and certainly no request for the service from my end. I logged into the site today and it immediately notified me that my service had been upgraded and had to accept this upgrade in order to access my account ( this page contained information about the {$19.00} fee ). After accepting I immediately navigated to cancel my membership. I would like to be reimbursed for the {$79.00} that was charged to my credit card and I hope the CFPB looks into this shady practice because it seems to be very common based on blog reviews.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a XXXX store in XXXX XXXX to ask about some offer they were having, the XXXX person convinced me to check my credit for the product I was interested in, on the promise from her that it would be a soft credit check that wouldn't generate an inquiry. XXXX minutes later I had an alert from Experian that I had an inquiry from XXXX, after being promised that that wouldn't happen.
Product: Money transfer, virtual currency, or money service

Im filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
+ XXXX
Product: Debt collection

Hi CFPB Consumer adjustment for the second time is making false and predatory practices against my credit profile for another collection for {$310.00} for XXXX XXXX this is the second time this debt collector has not followed FCRA laws they reported this account against my credit profile to the credit bureau without first contacting me first and sending me a debt validation letter I havent received nothing from them in regards to this account will be requesting they provide proof including the tracking number for the debt validation letter for proof of delivery and proof of them contacting me via phone if they say that they did, it is against the FCRA law to not contact the person first and send a debt validation first before report to the credit bureau they also reported a re aged date of this account on my credit profile which I will attach proof for verification which is also inaccurate credit reporting and against the law, if Im further accused by them for this account will be requesting they furnish full proof that I opened such account including my original wet signature signing off on taking out this debt, if you CFPB will reference complaint ID XXXX Consumer adjustment has made the same unlawful practices and inaccurate credit reporting on a previous debt accusation this debt needs to removed from my credit profile immediately for breaking the law.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. I get paid from my employer EVERY XXXX XXXX ( which I will show in attachments below from my account screenshots ) and SATURDAY XX/XX/year>, I did not receive my deposit ( which again I will show in attachments ). This delays my responsibilities and needs which puts me and a very stressful situation and this is NOT THE FIRST TIME THIS HAS HAPPENED!!! XXXX XXXX has cited technical issues, which may violate the XXXX Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received an e-mail stating my credit limit on my card was lowered. I checked my online account and found no information. I called the card company and was told my payment was long overdue. I was told my statements were now electronic which I never intentionally authorized. I had paid off my card in the fall after a vacation. I decided since I had a lot of reward points to go online to redeem the points. While online, a window popped up asking me to update my personal information. I went to the area and checked my info. I had not thought about the card again until i received the e-mail. By trying to help the company I was tricked into signing up for electronic statements is my guess. I had the credit card company fax me statements I had missed. XX/XX/XXXX ; I owed XXXX. XX/XX/XXXX ; XXXX was added as late charge. XX/XX/XXXX ; XXXX late charge and interest was added. All charges have been paid. 3 days after receiving the e-mail I got a letter advising me my credit limit was lowered and they had contacted an agency which had lowered my credit score. After being in business for 34 years my credit has been lowered on a fraudulent trick. No notice of the change or being overdue was ever mailed to me.
Product: Bank account or service

My card was stolen in XXXX. I called Bank of America. I was promised a refund for funds taken out of my account fraudulently without my consent. My account is now overdrawn {$330.00} for charges that I never made and never consented to. I demand for Bank of America to do as they promised and refund the money and credit my account.
Product: Debt collection

XXXX XXXX is a collection agency out of XXXX VA. XXXX XXXX has been attempting to collect a debt in the amount of XXXX under account number XXXX since XXXX. 
In XXXX, I obtained a credit card from XXXX XXXX XXXX, who used the original creditor is identified as XXXX XXXX as their credit card service. However, XXXX XXXX has XXXX XXXX XXXX  listed as an original creditor for the same {$440.00} and are attempting to collect with XXXX   XXXX XXXX  as an original creditor. XXXX XXXX is also currently reporting to all 3 credit bureaus using XXXX   XXXX XXXX  as the original creditor with account number XXXX. On my credit report, XXXX XXXX is the original creditor and is also the creditor that i have made payments to. The account number for XXXX XXXX is XXXX. The last update to the original account with XXXX XXXX was on XX/XX/XXXX. 

The debt through XXXX XXXX XXXX is not my debt. 

Furthermore, it should be noted that the original amount of the debt was {$450.00} when XXXX XXXX obtained possession of the debt in XXXX. However, {$9.00} was paid on the debt that did not come from me in an attempt to keep said debt active. 

Attached, you will find the page of my credit report stating the original company was XXXX XXXX. 

It should be noted that according the consent order filed with the US Consumer Financial Protection Bureau case number XXXX, filed on XX/XX/XXXX encourages XXXX   XXXX to practice practice accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX account XXXX XXXX XXXX  account # XXXX XXXX  XXXX account # XXXX XXXX XXXX account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX  XXXX  account # XXXX XXXX  account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX account # XXXX XXXX account # 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
Product: Checking or savings account

We have attempted to open a savings account at a Boeing Employee Credit Union ( BECU  ) at this address : XXXX XXXX XXXX XXXX XXXX, WA XXXX. We have attempted to meet with them and made phone calls to the branch manager on XX/XX/2019. They will not do so until my wife produces a Social Security Card, they claim it is proof of identity, yet on their web page they state they only need a social security number for tax purposes, which she does have and has provided. We have requested a replacement SS card for my wife, but it will take some time to arrive. This practise seems illegal and I am concerned they are requiring it because she is XXXX. She does have a valid Passport and Washington State Driver 's licence, they would not accept those forms of ID.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX loan is showing the incorrect balance on Equifax and XXXX. I reached out to XXXX XXXX XXXX and was told to dispute the balance with the bureaus. I did that and the bureaus are saying the information is correct, but is showing that the account has not been updated since XXXX.
Product: Consumer Loan

I was recently dismissed from bankruptcy we notified Ally financial and requested a work out plan because I want to keep my vehicle. We spoke with XXXX in the skip dept. Friday XXXX XXXX, 2016. He stated the account was still under bankruptcy and requested we fax over documents to start the negotiation. We fax the requested documents. He also stated the vehicle would not be reposed and I would keep my vehicle. My vehicle was reposed this afternoon XXXX XXXX, 2016. I have not received a demand letter for payment or correspondence stating Ally was requesting the vehicle to be picked up. XXXX gave us misleading information and I was calling to work out a payment plan. Ally is still mis treating the customer with their unfair collection practices. I 'm aware of the recent class action suit that the company was involved in.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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