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

Despite my prior disputes submitted to the XXXX XXXX XXXX, the investigation results provided were insufficient and lacked transparency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( 7 ), credit reporting agencies are obligated to provide a detailed description of the procedures used during their investigation within 15 days of receiving a dispute. However, this requirement has not been fulfilled to date. 

Furthermore, pursuant to the Truth in Lending Act ( TILA ), codified under 15 U.S. Code 1601, I am entitled to accurate, complete, and transparent reporting of my credit information. The continued reporting of this account raises concerns about the accuracy and verification process employed. 

Provide a detailed description of the procedures used to investigate and verify this account. 

Supply all supporting documentation or evidence used to validate the reported information. 

If the accuracy of this account can not be verified, I request its immediate deletion from my credit report in compliance with 15 U.S. Code 1681i ( 5 ).

I request that the CFPB ensure this matter is resolved promptly, in adherence to the FCRA and the Truth in Lending Act. If the investigation fails to meet legal requirements, the credit reporting agency must remove this account as unverified.

I have exhausted all dispute options directly with the credit reporting agency and now seek the CFPBs intervention to ensure my consumer rights are protected. 

Thank you for your attention to this matter. I look forward to receiving a timely response.
Product: Credit reporting or other personal consumer reports

I found information on my credit report stating that my information had been leaked to the dark web on both XXXX and XXXX which was causing my credit score to go down because someone had opened accounts with my information. I also spoke with several people and told them that I had received letters about breached information but they said their investigation decision was that the info was correct. I asked for written documentation to show how those accounts were opened in California and several other places and they have not returned a response in any way.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax Information Services LLC for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the CFPB Consent Order ( XXXX ). My concerns include the improper reinsertion of a deleted account, discrepancies in reporting across credit bureaus, and XXXX failure to notify me or verify the accuracy of the reinserted information. 

The account in question, COMENITYCAPITAL/PIER ( partially identified as XXXX ), was deleted from my credit report on XX/XX/year>, and reinserted on XX/XX/year>, without proper notification or certification as required under FCRA 611 ( a ) ( 5 ) ( B ). Furthermore, Equifax falsely claimed the reinserted information was 100 % accurate despite significant discrepancies across XXXX, XXXX, and Equifax reports. 

Violations and Supporting Evidence Improper Reinsertion Without Notification : FCRA 611 ( a ) ( 5 ) ( B ) requires that consumers be notified in writing within five business days of a reinsertion, including the name, address, and contact details of the furnisher. Equifax failed to notify me. 
No certification from the furnisher was provided to confirm the accuracy and completeness of the reinserted information. 
Discrepancies Across Credit Bureaus : Equifax : Reported the account as closed, with a balance owed of {$1100.00}, marked as Pays as Agreed. 
XXXX : Listed the account as active with no indication of closed status and different last verification dates. 
XXXX : Did not list the account at all. 
Misrepresentation of Accuracy : Equifax claimed in its response to my dispute that the account was 100 % accurate. However, the discrepancies in reporting and lack of certification contradict this assertion. 
Failure to Comply with the CFPB Consent Order : The CFPB Consent Order ( XXXX ) highlights Equifaxs systemic failures to implement procedures ensuring compliance with FCRA. This includes their inability to notify consumers of reinsertion or verify the accuracy of disputed information. 
History of Disputes First Dispute : I disputed this reinsertion directly with Equifax. Despite my request, no documentation or verification was provided, and no notification of reinsertion was sent. 
Second Dispute via CFPB : I escalated the matter by filing a complaint with the CFPB under Case Number : XXXX, submitted on XX/XX/year>. Equifax responded by claiming the account was verified without providing any evidence or compliance with FCRA requirements.
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. 

XXXX # XXXX, XXXX  XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX # 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

I SENT IN LETTERS TO DISPUTE THE CLAIMS TO THE CREDIT BUREAUS. THE CERTIFIED MAIL RECEIPT NUMBERS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX. I AM INCLUDING THE CERTIFIED RECEIPT NUMBERS BELOW FOR ALL CREDIT BUREAUS I SENT THE INFORMATION FOR DELETION TO.
Product: Credit card or prepaid card

XX/XX/2020 I purchased Hockey tickets for my sons birthday, during quarantine, realizing that a season was not to be in the future, my son ( his XXXX XXXX account ) tried to request a refund and do something else with his money, was not getting a response from XXXX XXXX, they were not answering phone or email. 
so I continued contacting Capitol One with no response except they were standing by the terms and conditions of XXXX XXXX. 
Why is this an issue : XXXX XXXX CEO publicly announced refunds for all ticket holders, he came out with a new and improved Customer Guarantee When XXXX tried to receive a 'credit ' from XXXX XXXX, they closed his account and we have no way to receive our money back I have sent documentation to Capitol One supporting all above comments and they continuously support original response
Product: Credit card or prepaid card

I changed my sign in and password for XXXX this morning. When I received this message I thought nothing of it... XX/XX/22. I gave them my credit card number then stopped and shut down my phone because I thought this is strange. It was my XXXX XXXX card with Citibank. I then realized what I had done and opened my Citibank app and it was in XXXX. I have had the card for years. I cancelled my XXXX card. 

I called XXXX and he said to contact you. He was aware of the scams. I gave too much information. 

Both XXXX and Citibank were very helpful in changing and closing passwords etc.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts with the bureaus I want all my personal information on all my credit reports to be 100 % accurate per the FCRA, Experian, XXXX, and XXXX are either reporting outdated, incorrect, inaccurate, or missing information when it comes to my personal information which can lead to fraud, identity theft, being denied credit, denied a higher-paying career, or have trouble disputing inaccurate items on my credit reports. I have enclosed all documents that's needed to update or included the correct information, and supporting documents to delete outdated, incorrect, inaccurate, or missing information. I have included my Valid Hawaii State Drivers License to prove my identity and the name on my driver 's license should be the only name on my credit report all other reported names, alias, or also known as names must be deleted from my report immediately. Also, my birthday must be updated, my birthday is XX/XX/XXXX and should be updated on Experian, My name should be reported as XXXX XXXX XXXX XXXX as is shown on my valid Drivers License and all other names must be deleted from my credit report immediately, also I have enclosed a current copy of my utility bill as proof as address and this is the only address that should be reporting on my all 3 credit reports, all other address must be deleted immediately per the FCRA also I have included a copy of my pay stud as proof of employment which is not being reported on any of my credit reports and must be updated as 100 % accurate. I wish to have this ongoing issue resolved in a timely matter as per the FCRA. I want an investigation done to why it hasn't been resolved and for the companies mentioned in this complaint to respond after updating my personal information and reporting correctly per the law. I also included a current screenshot of my credit reports personal information that's being reported as of XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items on XX/XX/22, XXXX, and XX/XX/22 for the FCRA violation these XXXX XXXX are in violation and can not be on my consumer credit report. XXXX, Experian, and XXXX have all broke the law and are now ignoring my dispute demands that the are legally obligated to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was settled in full. It still shows I owe a {$4000.00} balance. I am attaching my letter from XXXX XXXX to validate i owe nothing further on this account. I want this rectified immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is showing a 90 days late payment on a US DEPT OF ED/XXXX account. 

The issue is that my account is not 90 days late, or late at all for that matter. 

My loan is current and in deferment status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by certified mail on XX/XX/XXXX to correct personal information errors on my credit report. I also included a copy of my state id, social security card, and utility bill all containing my name XXXX XXXX XXXX XXXX on each document. I have attached a copy of the letter along with a copy of my state identification to prove my correct name with this complaint. I was a victim of the security breach at Equifax during XXXX, every since that time I have received inquiries, and letters to my home in the name XXXX XXXX XXXX. Equifax had the name listed on my credit report. I have never gone by or been known as XXXX XXXX XXXX XXXX XXXX XXXX. I contacted Equifax to have the name removed, but instead Equifax deleted my real name XXXX XXXX XXXX XXXX completely from my Credit report and replaced it with XXXX XXXX XXXX XXXX despite having 3 separate documents with my real name provided to them.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain accounts listed on my credit report. As a documented victim of a data breach, I am protected under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) and am entitled to have fraudulent accounts blocked and removed from my file. 
Below are the details of the accounts that I request to be removed : 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 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: Debt collection

VALOR REFERENCE NUMBER ; XXXX. To whom It may concern, I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapte
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a formal complaint against XXXX, Experian, and XXXX for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX XXXX XXXX account ( Account Number : XXXX ). Despite multiple requests for correction, including letters dated XX/XX/XXXX, and XX/XX/XXXX, the errors remain unresolved, constituting violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Discrepancies and Errors Identified Inaccurate Late Payment Reporting Late payments for XXXX and XX/XX/XXXX, and XX/XX/XXXX, are inaccurately reported as " 30 days late '' across XXXX, Experian, and XXXX. Payment confirmations provided in previous disputes demonstrate that these payments were made on time. 
Data Inconsistencies Across Bureaus : The closed date is missing from Experian and XXXX while accurately reported as XX/XX/XXXX, by XXXX. 
Payment statuses are marked as " current, '' yet late payments are still incorrectly reported for certain months. 
XXXX adds unnecessary remarks stating, " Closed or paid accountXXXX balance Auto, '' which is not consistent with XXXX and Experian. 
Violation of 15 U.S. Code 1681i : The FCRA requires credit reporting agencies to verify the accuracy of reported information. Despite providing supporting evidence during the dispute process, the inaccuracies remain uncorrected.

Violation of 15 U.S. Code 1666b : The creditor is required to provide periodic statements at least 21 days before payment due dates. The incorrect reporting of late payments suggests non-compliance with this requirement.

Violation of the Truth in Lending Act ( TILA ) : These errors violate TILA provisions that emphasize accurate and timely disclosures to consumers, resulting in undue harm to my creditworthiness. 
Account Details with Errors Account Number : XXXX High Balance : {$10000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX ( missing from Experian and XXXX XXXX Account Status : Closed Payment Status : Current Errors in Two-Year Payment History : XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' XX/XX/XXXX : Incorrectly reported as " 30 days late '' Impact of Inaccurate Reporting These inaccuracies have caused significant harm to my creditworthiness, leading to denying credit opportunities and financial distress. Additionally, the failure to correct these errors undermines the reliability of the credit reporting system. 
Desired Resolution Immediate removal of the inaccurate late payment notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit reports with XXXX, Experian, and XXXX. 
Written confirmation from each credit bureau stating that these corrections have been made.

If this issue is not resolved promptly, I will escalate my complaint further, including filing additional complaints with relevant regulatory agencies and exploring legal action under FCRA and TILA.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Ally Financial 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. ( i never gave Ally Financial permission to furnish an auto account on my consumer report. ) 15 U.S.C 1666B : A creditor may not treat a payment on a open end consumer credit plan as late for any purpose. ( Ally Financial has reported several late payments on my XXXX and XXXX consumer report, under an open end consumer credit plan. )
Product: Credit card

I received a email saying the following Hi XXXX XXXX, Following a recent review of your Chime Checking Account, we have made the decision to close your account with Chime. Your account failed to comply with the terms of your XXXX Account XXXX, and we will close your account as a result. Your checking account will be closed on XX/XX/year>. If you have a Chime Savings and/or a Chime Credit XXXX account XXXX it will also be closed and youll receive a refund for the balance, per the terms of the Savings Account Agreement and Chime Credit Card Agreement. 
We recommend that you change any direct deposits, XXXX debits, and recurring payments at your earliest opportunity to avoid delays and rejections as a result of the account closure. 
Please note that your Chime Checking Account is not eligible for a refund, as we were unable to verify the ownership of the deposited funds. 

I had a Chime Credit Card XXXX. 
I started getting direct deposit for my new job that uses XXXX and deposited my check there I had XXXX dollars on the account I did not see the email on time and I never got my money back this email was on XX/XX/XXXX.
Product: Student loan

When enrolling in the school I was notified how much I would need to take out in terms of federal student aid, and was also told I had to take some private loans from the school because the federal aid would not cover my education. I was not sure why I had to pay while I was going to school, as I assumed loans were to be payed after you finished school, but they required payments from me monthly while I was attending, which did not help me financial situation. I took out over {$25000.00} in federal student aid which I am currently repaying. I quit going to school at the beginning of the semester because of unforeseen financial hardship and soon began to receive calls and letters from the school stating I had a balance with them. I was unaware of this balance as when I logged into my account on the schools webpage, it stated my balance was {$0.00}, yet I kept receiving phone calls and letters stating I need to pay over {$2500.00} to which I had no idea about, or where it came from. When I finally spoke with the school they stated I needed to pay up. I told them I could not repay it all at once, and could only make a payment of about {$400.00} at the time, to which they did not seem to like, but I did so anyways. I had some trouble making payments from time to time so they sent me over to a collection agency to which I set up a payment plan with. While making my payments on time, I kept receiving calls and letters from them stating I needed to contact them asap. When I finally had the time to do so they would not respond. I attempted to call the phone number provided on the letter I received to only receive an empty dial tone like it was not in service. I also attempted to email them and still no response. I am now getting this reflected as negative points on my credit history and I do not know what to do about it. I can not contact the company, nor can I pay them. And I still do not know what this loan amount is for. I have been reading about scams this school has done in the past, and do not know if these are legitimate statements made but it worries me they are preying on me and trying to take money from me I do not owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, XXXX.. Unless the bill did not arrived and I did not received it. Please help me remove this late remarks
Product: Money transfer, virtual currency, or money service

Received an automated call from ( XXXX ) XXXX claiming to be Discover and offering debt elimination due to covid.
Product: Money transfer, virtual currency, or money service

Date : XXXX XXXX, 2022 Amount : XXXX EUR Action : I sent XXXX EUR to a XXXX  via PayPay by allowing my own USA-based credit card-issuer to convert from USD. The words " cash advance '' do not show up anywhere in the process of sending money to XXXX  accounts, so I was surprised the next day when my bank charged me a cash advance fee of 3 %. The only notice from PayPay before the transaction implies that there may be a fee for currency conversion ( " Your card issuer will determine the currency conversion rate and what fees they may charge. " ), but doesn't mention that the transaction will be run as a cash advance, so there's no expectation that there will be any additional fees other than currency conversion fees.
Product: Mortgage

I received a unsolicited document from First Direct Lending. It was titled Direct funding issuance, and the header had a fake seal of the state of Arizona and the words ACTUAL DOCUMENT and MATTER KNOWN. The reverse of the document shows bold letters saying FINAL NOTICE and REVIEW ATTACHMENTS. The fake Arizona seal again appears on the back of the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( XXXX ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at XXXX, XXXX and TransUnion.