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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation XXXX  XXXX is the account I've marked as inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOV ASSOC Opened XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to dispute the accuracy of a collection account on my credit report. The account is under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, with the account number XXXX. The original creditor is listed as XXXX XXXX XXXX XXXX, and the reported balance is {$310.00}. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across XXXX and Equifax credit bureaus. I would like this account to be removed from my credit report profile. 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 an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

I do not recall having any account with XXXX XXXX XXXX XXXX that would result in this reported debt. Given the lack of familiarity with this account, I request a thorough investigation into the validity of the reported debt. 

Details of the disputed account : - Collection Agency : XXXX XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Reported Balance : {$310.00}. 

As a consumer, I am entitled to accurate and verifiable information on my credit report. I kindly request Equifax to investigate this matter promptly and, if the debt is found to be invalid, to remove the aforementioned collection account from my credit report. I have enclosed the following documents, -FTC Report -Current Utility BILL, -Current State ID, -Current SSN. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I appreciate your attention to this dispute and anticipate a timely resolution. Please provide written confirmation of the results of the investigation. 

Thank you for your assistance in rectifying this matter.
Product: Credit card or prepaid card

I closed this account on XX/XX/2022. Once I closed the account I started getting charged account maintenance fees of {$12.00} per month. Its almost like a penalization for canceling and a way for the company to continue to get more money from consumers because they wont be spending any more money. Its ridiculous that credit card companies are allowed to do this. On top of this, since its a fee they are allowed to put this amount on top of the minimum payment amount. So my minimum payment amount has increased, making it hard for me to pay it monthly. Because of that, Ive been charged late fees for several months which also get added on top of my minimum payment. Making it even harder to pay my monthly minimum. I called Fortiva and they refused to reverse my late fees because I closed my account.

This isnt a consumer friendly card and they want to milk the consumer anyway they can.
Product: Checking or savings account

I recently went out of town to Hawaii. During this time a transaction was made on my account for XXXX XXXX for {$1600.00} on XX/XX/XXXX. They said an alert was sent however I explained I was flying and I have proof of my plane ticket as well if needed. I don't believe it's been thoroughly investigated. No one can give me any info, provide any information an invoice, or receipt, it says online does it have my email or anything showing I authorized this transaction? This has made it hard to keep up with some of my outstanding bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair act credit reporting act XXXX account # XXXX, has violated my rights. 

15 use 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, or personal loan

I sent a letter and emails it vendor. Never Received a response to my letter.
Product: Student loan

I previously had student loans that were being serviced by XXXX XXXX. On XX/XX/2021 I received a notice from XXXX that my loans were being transferred to XXXX. I never received any statements or correspondence regarding my loans from XXXX. Yesterday, I was notified by Aidvantage that my payments were about to resume and that I had an option to opt into auto-pay or not. I never received notification that my loans had been transferred to Aidvantage or any other correspondence from Aidvantage or XXXX. I was unable to access my online account for either serviced and ended up calling Aidvantage customer support. I let the CS rep know that no statements or documentation regarding them servicing my loan was sent to me and that I needed additional detail on my loans before opting in to any form of payment. I explicitly told the rep they do not have my consent to resume auto-payments and to not make any changes to my account. 

The next morning around XXXX, I received notification from Aidvantage that I had opted in for autopay. This occurred without my consent. None of my bank details or loan details beyond my balances are available on the Aidvantage website. Their website also inaccurately states that my payments will resume in 25 days although payments have once again been passed until the end of summer. 

Their business practices are dishonest and predatory. Aidvantage has made changes to my account and payment details without my consent. No notification of these loans being transferred from XXXX to Aidvantage was provided to the borrower. If these companies are not doing their due diligence to notify borrowers, they should not be trusted to service federal student loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX LENDMARK FINANCIAL SERVICES XXXX XXXX XXXX XXXX, XXXX GA XXXX SUBJECT : NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear : LENDMARK FINANCIAL SERVICES, I trust this letter finds you well. I am writing to formally dispute the presence of a late payment reported by your organization on my credit report. I believe this late payment to be inaccurate and unjust, and I kindly request the removal in accordance with applicable laws and regulations. 

The late Payments in question are associated with the following account. 

Account Number : XXXX DATE : XX/XX/XXXX I wish to emphasize my commitment to fair and accurate credit reporting this late payment has had an significant impact on my credit worthiness and have caused me undue financial hardship and emotional distress, and inconveniently being reported when my lease is up therefore the search for a new home has become extremely difficult seeing that my score has fallen below the normal requirements and I'm on the brinks of being homeless. 

It is my understanding that your organization has a responsibility to report accurate information to the credit bureaus. Given My belief that this late payment is not reflective of my payment history. I hereby request its removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration Clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial fees for both parties. 

Therefore, I propose the following option of resolution. 

Option 1 : 1 kindly request that your organization promptly remove the late payment from my credit report, thereby rectifying the inaccuracies ensuring my credit history is accurately represented. 
Option 2 : Initiate Arbitration Should your organization prefer not to remove the late payment, I am prepared to initiate arbitration.

Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including my filing fee, your filing Fee, arbitration initiation fee an arbitrator deposit, and any legal cost incurred during the arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. How ever I am fully prepared to pursue arbitration should that be necessary to uphold my rights and ensure fair credit Reporting. 

Please respond to this notice within a reasonable time frame to confirm your willingness to remove this late payment. Or to express your intent to proceed with arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures fair and accurate credit reporting.
Product: Debt collection

XXXX/XXXX/08 I went to the clinic for stitches. I asked if they accepted XXXX XXXX and was told they did.XXXX XXXX XXXX paid them {$190.00} on XXXX/XXXX/08. I paid them the {$21.00} which was my obligation. When they billed me {$190.00} I contacted my insurance co. and they sent a letter to XXXX XXXX telling him he had been paid the negotiated fee he had agreed to in his participation agreement. He then turned it over to ARS ; I sent them letters and a copy of the explanation XXXX XXXX XXXX had sent to XXXX XXXX and me but it was never removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
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 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 states : A consumer reporting agency can not furnish an account or account information without my consent
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I have been disputing this alleged debt for over a few months now and there's no hard proof that I owe this alleged debt. This negative item is affecting me from purchasing a home. This is unfair that I'm being treated poorly with little information about this debt. The Credit bureaus repeatedly violate my rights and did not give me the information I requested on this alleged debt.
Product: Checking or savings account

I opened a business checking account with Fifth Third Bank in XXXX XXXX, SC on XX/XX/year>. I brought all necessary documents provided by my attorney who filed my LLC and a XXXX XXXX  photo identification ( driver 's license ). This was acceptable and the account was opened and I deposited {$6500.00}. 
By Monday XX/XX/XXXX, my account was inaccessible when I tried to access their online banking. I learned by calling the bank 's general support phone number, it was placed under a hold and I could not review the account. There was no notice provided earlier and I learned of this problem by attempting to use the account. 
I visited the branch on Tuesday morning at XXXX and I was told that due to suspicion of identity theft, this account needed further verification. No one would tell me why my new account, which had no transactions or activity at this point, was under this new suspicion. I was not told why or how I was identified successfully in person at the time of opening the account the first time, but now I was no, nor what provoked the suspicion now. 
Further, I could not close the account. This intuition has now ceased my funds without warrant. When contacting the bank, which I continue to do over the phone repeatedly, their Fraud Detection Department provides no additional details to help understand how a new account with no transactions to date, is being held due to identity theft and they continue to claim XXXX businesses will be the next review. I have been treated poorly, with little communication by the Departments that have taken drastic actions against a new account and I desire to close my account and retrieve my funds. I have exhausted all forms of identity and have proven my identity several times. This Institution is unreasonably and intentionally holding my funds and preventing a closure of this account which I desire given this experience.
Product: Debt collection

In XX/XX/2019 I received a letter from XXXX XXXX , XXXX with a discount offer for account number XXXX  the original creditor is XXXX/ XXXX/XXXX XXXX. I have never had an account with XXXX XXXX   before.The current balance is XXXX . XXXX XXXX , XXXX  Acct # :XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 61XXXX ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct these erroneous accounts being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue the Credit Bureaus for their willful non-compliance of the FCRA statute. Only if Transunion chose to update and correct the following accounts on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The accounts that should be corrected are as follows XXXX XXXX XXXXXXXX Date Opened:XXXX Balance : $ XXXX Date XX/XX/XXXX, XXXX XXXX Date OpenedXXXX Balance : XXXX XXXX-Late/Open Late Date XX/XX/XXXX
Product: Debt collection

The XXXX XXXX Law Firm is attempting to collect a rental debt on behalf of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX that is invalid because I have never lived there. I did not complete or execute a lease. During this initial process, I completed an application and discussed some general rental information only. However, the company stated a full lease was signed on XXXX XXXX XXXX. On the contrary, I received a voicemail from the company on XXXX XXXX XXXX stating that the lease was incomplete and that some documents were not signed or completed. I also received an email on XXXX XXXX, XXXX, stating that the lease was incomplete. In reality, I only initialed some of the documents under the impression this was part of the application process. 

At this point, I believe there was intent to deceive me by providing a partial lease under the impression of a full lease. The following reasons explain how this incidence created this invalid debt and improper collection due to their deception tactics. To be specific, I believe this company was deceptive in their disclosure of documents when providing a copy of the lease and addendum during the initial application process to get an easy rental. To reinforce this, the company provided a copy of a lease that had key missing pages under the guise of a full lease. The apartments intent was to provide the remaining key documents after the applicant signs documents from initial partial lease and therefore keep the rental process moving. There also seems to be a suspiciously completed copy of the lease now with my signature on it, but it was not by me. 
Nevertheless, I cancelled the application process after I determined that a full lease and key addendum was not provided or disclosed during application process or lease review process. The key addendum stated that rental insurance was required for all future tenants. Since I disagreed with the insurance requirement and this key item was not disclosed during initial process, I did complete the lease. To be exact, I cancelled the application process. 

Even after explaining the situation, the XXXX XXXX law firm has continued to contact me in an attempt to collect 11 months worth of rent on behalf of the property, as well as having it negatively effect my cosigner 's credit and my own credit.
Product: Mortgage

Re : Loan Number XXXX To whom it may concern or The Money Source Escrow Account Manager, On XX/XX/XXXX I found out that my homeowners insurance, XXXX XXXX XXXX, had been canceled on XX/XX/XXXX due to a non-payment but my account showed the proof that my insurance was still active. To confirm the coverage, I contacted your customer service on XX/XX/XXXX and spoke with XXXX and was told you did not receive any cancellation notice and that my coverage was still good until XX/XX/XXXX. Additionally I was told that 2 payments were made to XXXX XXXX on XX/XX/XXXX for {$2000.00} and XX/XX/XXXX for {$430.00}. Thus I was told no action needed to be taken at this time. XXXX also stated that she will follow up with my question by doing some research and get back to me, but I never received a call back so I put this information in writing and sent you an email on XX/XX/XXXX requesting an explanation as to why I was being told I had insurance when I didnt. 

Unfortunately, I never received a response regarding my question or a record of my insurance being canceled and now 8 months later, on XX/XX/XXXX, I am being penalized for a lapse in coverage which is causing my premium to double. 

To resolve the problem, I would appreciate an explanation of what happened to the payments made to XXXX XXXX and why you ( The Money Source ) never informed me of the cancellation. Why did it take this long or 8 months for you ( The Money Source ) to ask me to take action or to remedy the situation? Even when I called on XX/XX/XXXX, you stated that my insurance was still active with XXXX XXXX XXXX ( until XXXX XXXX, XXXX ) - so why did you provide me false information? I have lost trust in how you have handled my escrow account. This was your job to inform and communicate to me so that I could have done something about it. I could have gotten a new insurance so that there wouldn't be a lapse in coverage nor be penalized for it. 

Again, I'd appreciate an explanation and a refund of my premium for the lapse period, XX/XX/XXXX to XX/XX/XXXX and cancellation of the lender-placed insurance payment of {$2300.00}. Enclosed are copies of my records ( email and proof of your payment to XXXX XXXX ). 

I look forward to your reply and a resolution to my problem. 

Sincerely, XXXX XXXX
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your investigator ( s ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a 1099c to accurately reflect them being charged off for tax purposes.

15 US Code 1692c 15 US Code 1692g 15 US code 1681e ( b )