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

I am filing a complaint with Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite many submissions, Equifax consistently responded to my request ad account accurate within 24 hours, without providing any evidence of a thorough investigation. This practice violates The Fair Credit Reporting Act, 15 U.S.C. 1681 which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act 12 U.S.C. 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB recent administrative proceeding ( File No. XXXX ) against them similar violations. I request the CFPB take action to ensure that Equifax complies with federal law and provides the necessary proof of investigation. I wanted reported account removed. 

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

Equifax has committed identity theft I am a consumer pursuant to 12 CFR 1022.3 ( f ), 15 U.S. Code 1681a ( c ), i do understand XXXX XXXX XXXX thinks they are a Furnisher of information and states they are required to furnishing accurate information, in fact pursuant to 12 CFR 1022.41 ( c ) ( 2 ) you can not be a Furnisher because you acting as consumer reporting agency as defined pursuant to 15 U.S. Code 1681a of the FCRA, My Identifying information pursuant to 12 CFR 1022.3 ( g ) ( 1 ) which is my name social security number, government identification number date of birth, pursuant to 12 CFR 1022.3 ( g ) 3 ) my account number which is a unique electronic identification number Used To identify me the consumer specifically, in conjunction with information regarding my transactions and experiences, which would be a consumer report pursuant to 15 U.S. Code 1681a ( d ) ( 1 ) ( A ) and XXXX XXXX XXXX is a consumer reporting agency due to the fact such information is bearing on my consumer credit worthiness, credit standing, credit capacity, character, general reputation, and was collected for the purpose of serving as a factor in establishing the consumers eligibility for credit and has a direct reflection on my credit score pursuant to 15 U.S. Code 1681g ( f ) ( 2 ) ( A ) ( i ) In addition, pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 1 ) EQUIFAX failed to obtain a consumer report for a purpose for which the consumer report is authorized to be furnished under 15 U.S. Code 1681 ( b ) in conjunction pursuant to 15 U.S. Code 1681 ( b ) ( f ) ( 2 ) you have no certified purposes in accordance with section 1681e of the Fair Credit Reporting Act as a prospective user of the report through a general or specific certification, you have failed pursuant to 15 U.S. Code 1681e ( a ) to maintain reasonable procedures designed to avoid to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. In conjunction Pursuant to 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) you have willfully fails to comply with three requirements imposed under the Fair Credit Reporting Act failed to respect my privacy as a consumer and you are committing identity theft using my identifiable information unauthorized and by law you are liable to i XXXX XXXX in an amount equal to the sum of {$1000.00} damages sustained by the consumer as a result of the failure In addition you have obtained information on, i the consumer under false pretenses from XXXX XXXX XXXX who is in fact acting as consumer report agency resulting in you may be fined under title 18 pursuant 15 U.S. Code 1681q
Product: Checking or savings account

I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XXXX XXXX, XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. 

I qualified for the terms on XXXX/XXXX/XXXX with an electronic deposit of {$300.00} on XXXX/XXXX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. 

Timeline : Account Opening Date : XXXX/XXXX/XXXX Electronic Deposit {$300.00} : XXXX/XXXX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

Dear Equifax : I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit collection account for XXXX XXXX XXXX was deleted from my credit report, between XXXX XXXX and On XX/XX/year> XXXX XXXX  was added back to my report. According to the FCRA Reinsertion law 1681 I & subsection 5 if any information is deleted from a consumers file pursuant to subparagraph ( A ) the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Best Regards, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I recently applied for cash advances/personal loans on many online platforms. I was contacted by a scammer posing to be from a company by the name of XXXX XXXX. The person said their name was XXXX XXXX, and went on to collect and confirm my bank information via phone. I was even provided with an email that confirmed that my loan had been processed. The sender 's email is ( XXXX ). After I hung up I went to check my account and my account was negative by XXXX dollars which far exceeded the amount in my account. My bank then proceeded to close my account.
Product: Mortgage

I purchased my home in 2002 and I have been experiencing major problems with trying to modify my home loan after I was laid off of my job. I have submitted documents over and over again to get a modification, but I was denied time and time again. Please help me with getting a loan modification because I know I will have another foreclosure date next month.
Product: Credit reporting

Please reference Case Number XXXX. Similar Issue but with Equifax. However, Equifax is stating that stating that this item belongs to me. This is an issue with the treatment of inaccurate information pursuant XXXX XXXX XXXX ( XXXX ). Please provide this information to XXXX County pursuant XXXX XXXX XXXX as I 'm currently speaking with them about a motion for stipulation and enforcement of county ordinances to show that this item does n't belong to me. This is the only additional information/step that is not included in Case Number XXXX. Thank you.
Product: Checking or savings account

I lost my wallet and there were XXXX unauthorized transactions on my account made with my debit card I disputed these transactions I submitted a police incident report and it was still denied
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information and Request for Blocking Under FCRA 605 ( b ) Dear CFPB Team : I am writing to formally dispute inaccurate information on my credit report and to request the immediate blocking of this information pursuant to FCRA 605 ( b ). This provision requires that inaccurate, fraudulent, or identity theft-related information be blocked from my credit file when supported by proper documentation. 

The specific account ( XXXX ) in question include : * XXXX XXXX  XXXX  Account Number : XXXX This information does not belong to me and appears to be the result of identity theft or an error in reporting. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to protections that safeguard my credit report from inaccurate or fraudulent entries. Specifically XXXX. FCRA 605 ( b ) : Blocking Information from Identity Theft * CRAs are required to block disputed information if a consumer provides : * A valid police report or identity theft affidavit, * Sufficient proof of identity, and * A clear statement identifying the disputed information. 
* CRAs must block the information within XXXX business days of receiving the required documentation. 
XXXX. FCRA 611 : Procedures for Resolving Disputes * This section mandates that CRAs investigate disputes within 30 days and delete unverifiable or inaccurate information. 
XXXX. FCRA 609 ( e ) : Requirements for Identity Theft Victims * Consumers are entitled to access the fraudulent account details upon request. 
* I formally request the following : XXXX. The immediate blocking of the disputed information under FCRA 605 ( b ). 
XXXX. Confirmation in writing that the disputed information has been removed and will not reappear on my credit report. 
XXXX. A revised copy of my credit report reflecting these corrections. 

Please note that failure to comply with the FCRA could result in penalties, including statutory damages, punitive damages, and attorneys fees. I trust that the CFPB will ensure my rights are upheld and that this matter will be resolved promptly. 

Thank you for your prompt attention to this urgent matter.
Product: Mortgage

I have an emergency in that I have to have XXXX and will be in XXXX and XXXX for at least 2 months. I have a reverse mortgage and HUD has a hold on my mortgage money until XX/XX/XXXX. I need some money released for the XXXX and food and someone to take care of me as I am alone with no husband or relatives. This is a shame, it is my money and I will be in bad shape unless they release at least {$1000.00} to help me until XX/XX/XXXX. 

Ca n't someone do something, even if I have to pay a penalty fee or something. I do n't know what to do. 

My loan is with XXXX and they are very hard to deal with and hold the money until the last minute when they do release anything. Loan number is : XXXX.
Product: Credit reporting or other personal consumer reports

I initiated communication with Bank of America by sending a letter requesting them to opt me out of reporting for account number XXXX. Regrettably, not only did they neglect to fulfill my request, but their response was unrelated to my original letter, which explicitly asked for opting out of reporting. I have attached the original opt-out letter along with their response, two documents providing opt-out laws and their definitions, and a copy of the account details from all three reporting agencies. The documents reveal several inaccuracies present in the reports, and all relevant dates and information pertaining to this complaint have been provided for your review.
Product: Credit reporting or other personal consumer reports

I am formally contesting and urging the immediate removal of the fraudulent account from my credit report. This dispute stems from a clear case of identity theft, for which I have lodged a formal complaint with the Federal Trade Commission. Additionally, I have contacted the banks linked to the fraudulent account. 
The banks have acknowledged the legitimacy of the identity theft report and have acknowledged a potential system error that has obstructed access to the records. They have assured me that the fraudulent account, which has erroneously appeared on my report for over five years, will be promptly eradicated. 

However, despite assurances, this fraudulent account still persists in my report under your bureau. I am concerned about the verification process you have undertaken. XXXX and XXXX credit bureaus have ceased reporting this fraudulent account following the submission of necessary documents. What steps are you taking to address this issue? 

XXXX XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

FedLoan Servicing, who took over my debt from a prior lender, has created a slew of problems that has lead to a gradual increase on the principal of my loan. Primarily, the issues have been with long delays in initiating a loan repayment plan, which has forced me to forbear my loans on multiple occasions during which periods interest accrues.     On the first of such occurrence, after the end of the tax year, monthly payments suddenly increased substantially without any warning whatsoever. Because I was on a plan that used automated debit, an amount exceeding the balance of my checking account was automatically withdrawn, creating a major inconvenience for myself until the issue was later rectified. The subsequent process to forbear the loan, await approval of a new payment plan, and restart payments was unreasonably long ( > 3 months  ).      The second of this occurrence developed during which new tax information was submitted in a timely manner, however, the approval process was again delayed for an extended period of time  ( ~2 months ).      On the third occurrence, the approval process took 3 months.     By comparison, I have other lenders that express little or no difficulty initiating an appropriate payment plan without the need to forbear my loan and accrue interest. This practice has lead me to believe that this is a deliberate action on the part of FedLoan Servicing in an effort to collect more money over the life of my loan.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Furthermore, it is imperative that you notify XXXX and XXXX to delete this information from my credit report immediately. The account in question is detailed and Unauthorized Accounts include the following : XXXX XXXX  XXXX XXXX In addition, I am requesting for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX  XXXX must provide this to me, as the consumer, or you will be neglecting to comply with FEDERAL law. This leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. It is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. Failure to comply will result in legal action being pursued, including holding XXXX XXXX  XXXX accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Student loan

Navient is not following the XXXX and XXXX administrations ' forbearance of student loans for Covid-19. The current XXXX administration has pause payments until later this fall and Navient is still seeking payments without pausing payments. My credit has been affected from the start of the pandemic with Navient disregarding both administrations ' mandate of pausing payments and reporting negative payment history. The company would put me in these short grace periods and come back stating I need to start paying.
Product: Mortgage

After a re-fi, I received the new mortgage company information and set up a bi-weekly payment on my bank 's website. I always pay 1/2 payment and am always 1/2 month ahead of schedule. I get a phone call telling me I am late and they need a payment. I look at their payment history on my loan and they are all there- Including the first half of XX/XX/XXXX! they will not get back to me, they are still showing XX/XX/XXXX is unpaid and now 20 days late-
Product: Credit reporting or other personal consumer reports

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Debt collection

Receivable management systems XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX I have been using a deck consolidating agency known as XXXX XXXX  to contact them via third party with all of my contact information to settle and absolve and eventually pay on this debt. Over the course of 3 months they have made no attempt to contact me but feel they can justifiably up the debt to which I owe which recently over the last two days has been an additional {$150.00}. Since they have not made any attempt to return any calls made on my behalf or by my own person I contacted XXXX to dispute the debt due to non-contact. They simply replied with they disagree and that was that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/2021 I downloaded my credit report from Transunion. On that webpage was a button I could press to get my credit score from Transunion. I pressed it, got a website to enter my information and saw an agreement to authorize Transunion to check my credit reports at various credit rating agencies. There was no language about authorizing any charges on my debit card. The website asked for the number on my debit card which I submitted. I was expecting to receive a FICO 8 or FICO 9 score because I had planned to request a credit card soon. I also expected the report of my credit score to be free of charge. As soon as I pressed the button to transmit my information I got a fraud alert from XXXX XXXX XXXX XXXX about fraudulent charges on my account in a text message on my mobile phone. I reported what Transunion had done to me by phone and the agent at XXXX gave me a number XXXX at Transunion to fix the problem. 
Transunion tried to claim that I authorized the charge and that I also authorized continuing monthly charges of {$24.00}. I was outraged and let the lady at Transunion know it, let her know that this could be prosecuted under the RICO statutes as felony fraud. All she would do is to stop the subscription and continuing fraudulent charges to my debit account at XXXX. The credit score I received was a Vantage 3.0 score which is available for free from XXXX XXXX, XXXX XXXX, XXXX  XXXX and XXXX. 
This charge of {$24.00} for something that is free is outrageous, and clearly felony fraud. 
Any merchant must clearly specify if charges are to be made before making charges. To the maximum extent possible I request the fraudulent charges be removed and that Transunion be investigated by FBI under the RICO statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681. I also received a email from XXXX stating, they do not contact the consumer reporting agency. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They also violated my rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.