23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX, give authorization to Equifax to move forward with this complaint. I have proof Equifax is in violation of the FCRA, 15 USC 1681L and 15 USC 1681a ( e ). In a previous CFPB complaint XXXX, they had stated that they will undergo an investigation with the original data furnisher. When in fact, an investigative consumer report is to be verified through interviews with neighbors, friends, family, and associates. Equifax has in fact conducted no such interviews. There is also not supposed to be any factual information from the original data furnisher on my investigative consumer report, all pursuant to 15 USC 1681a ( e ). So this could only mean that Equifax is attempting to verify this transaction with non-factual information. No adverse information is to be included in my consumer report during an investigation pursuant to 15 USC 1681L. I have proof in Exhibits 1-6 that Equifax is reporting adverse information before, during, and after all investigations which is a direct violation, making Equifax civilly liable and criminally liable pursuant to 1681n and 1681o.
Product: Debt collection

On XXXX/XXXX/XXXX I sent the company two letters demanding validation of the debts they are attempting to collect. The accounts are reflecting poorly on my credit report but I am not familiar with the original creditors, the balances being demanded, or the account opening dates. The company has failed to respond to my attempts to verify the debts but are still reporting the unverified information on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a dispute back on XX/XX/2021 requesting full validation on these accounts as I have no knowledge. additionally, I am requesting a validation on the company right to collection under the XXXX and Fair credit and billing act. I have not heard back from Equifax. If they can not validate, please remove from my Equifax credit report. The following account is what I am disputing : Collections XXXX XXXX Opened XXXX {$970.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccuracies found in my credit report, which have not been adequately addressed by Equifax and XXXX, thus violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite my efforts to dispute the inaccuracies with Equifax and XXXX, they have failed to conduct a proper investigation and have instead verified and updated the erroneous information. Upon reviewing my credit report, I discovered several violations of the FCRA, including inaccuracies in account numbers, account types, dates opened, number of terms, high credit amounts, dates last reported, dates opened, dates last active, and dates of last payment, totaling XXXX violations in total. 

As a consumer, I am entitled to accurate and fair reporting of my credit information, as outlined in the FCRA. The failure of Equifax and XXXX to address these violations in a timely and appropriate manner constitutes a clear violation of my rights under the FCRA. 

I demand immediate action to rectify the inaccuracies in my credit report and provide compensation for the violations committed. Pursuant to the FCRA, I am entitled to {$1000.00} in compensation for each violation. Based on the number of violations found, I request compensation totaling {$8000.00} for the XXXX violations identified.
Product: Debt collection

I received a letter from Jeferson Capital alleging that they are trying to collect a debt of {$610.00} owed by me. After doing my own research I could not find anything as to why I would owe the debt and as such I sent a request to Jefferson Capital asking that they verify the alleged debt and why they think I owed the debt. The letter delivered to the address noted on the initial email sent to me ( see attached docs ). They fail to respond or verify that this debt belongs to me. By law the debt collector must pause collecting the amount of the debt I am disputing until theyve adequately responded to my request. Which as of XX/XX/ has not been done.
Product: Debt collection

I had a car that was voluntarily repossessed about 15 years ago. The amount owed was {$6400.00} after the sell off the car. I dont remember any communication about it after that. Fast forward to XXXX or XXXX I was taken to court by XXXX and XXXX and a judgment against me was interred for almost {$19000.00} for the car. I was told to pay {$100.00} per month. I paid the {$100.00} for about 2 years when my account was suddenly closed about a year ago. Im not sure why and dont recall getting anything in the mail. Around XX/XX/2020 I get a letter in the mail that looked like junk mail, but I open everything just in case. The letter is asking for the entire amount owed. They have no records of my payments that went to XX/XX/XXXX who is now XXXX. I was told that there is no record of my payment and Lloyd and McDaniel now want to proceed with the original almost {$19000.00} owed. I have proof of my payments ... I dont understand how a XXXX car can now be almost {$19000.00} .... I asked if I could pay my original balance of {$6400.00} with no answer Lloyd and McDaniel wants me to send the payment info but in order to credit me the account numbers have to be the exact same but some how they are different. Please help Respectfully XXXX
Product: Vehicle loan or lease

This case started in XX/XX/XXXX when I received a bill from GM Financial ( Acct # XXXX ) stating that I owe a Miscellaneous Receivable of {$90.00}. After calling GM Financial and asked for explanation, I received a copy of a collection bill from XXXX XXXX XXXX, XXXX from GM Financial ( Exhibit A ). After receiving numerous bills for the {$90.00}, I sent a letter to GM Financial ( Exhibit B ) dated XX/XX/XXXX requesting validation per Fair Debt Collections Practice Act. GM Financial continued to ignore my request by sending more bills in request of payment of the {$90.00}. To avoid any negative marks on my credit report, I paid it. Now it is XX/XX/XXXX, and GM Financials process has started again. In XX/XX/XXXX, after a phone call asking for verification of a {$230.00} Miscellaneous Receivable bill, I received a package from GM Financial of three statements from XXXX XXXX XXXX, XXXX totaling the {$230.00} ( Exhibit C ). On XX/XX/XXXX, I mailed a Certified Letter to GM Financial asking for validation of their validation process ( Exhibit D ) in relation to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. As a result, I received a regular bill dated XX/XX/XXXX stating a Miscellaneous Non-Taxable bill stating the same {$230.00} and no explanation to certified letter sent ( Exhibit E ).
Product: Student loan

XX/XX/XXXX Submitted my XXXX that should update my count to XXXX for XXXX  XX/XX/XXXX Submitted XXXX Forgiveness reconsideration request ( XXXX ) for forgiveness XX/XX/XXXX Submitted XXXX  forgiveness reconsideration request ( XXXX ) for buyback with correct wording only XX/XX/XXXX Submitted XXXX  forgiveness reconsideration request ( XXXX ) for buyback with correct wording and dates XX/XX/XXXX Request denied ( XXXX ) because payment counts were not updated through XXXX XXXX Request denied ( XXXX ) because of administrative forbearance, no buyback offered XX/XX/XXXX Filed XXXX Plan request. Is currently " In review '' since submission date XX/XX/XXXX Filed complaint with Federal Student Aid ( XXXX ) XX/XX/XXXX Counts updated XX/XX/XXXX Filed XXXX  forgiveness request after counts were updated to XXXX ( With XXXX, XXXX, XXXX all in administrative forbearance ) ( XXXX ) XX/XX/XXXX Complaint ( XXXX ) Closed with mention of buyback requests and consideration to move to different plan to get out of the XXXX forbearance. No true resolution for complaint submission as I was complaining about my unresolved buyback request XXXX Spoke to live representative asking for the status of buyback request. Agent says they have no way to check status or even if it is still even pending So now I still have XXXX. I have no way to know the status of the forgiveness request that was made on XX/XX/XXXX or XX/XX/XXXX and I have not received any forgiveness letter or buyback request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax/Equifax credit bureau did not notify my in time of the status of the reinvestigation that was received XX/XX/2022. Instead Equifax/Equifax credit bureau replied to my CFPB complaint XXXX with the status, XX/XX/2022, after 30 days. Equifax/Equifax credit bureau had ample amount of time to do the re-investigation and notify me of the status but instead they failed to notify me of the status. They are in violation of 15 usc 1681i because Equifax/Equifax did not provide me with the status of the reinvestigation. Therefore Equifax are to delete/remove the remaining accounts I wrote in about listed before.
Product: Credit reporting or other personal consumer reports

In response to a few problems I've had with the credit bureau, I'm writing to voice my concerns. Among these problems include irregular billing, wrong credit reporting, several fraudulent queries, false account listings, and accounts that are not mine.

I need help finding solutions to these problems so that I can live comfortably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues Related to XXXX XXXX XXXX XXXX  : I filed Chapter XXXX Bankruptcy on XX/XX/XXXX. The bankruptcy discharged on XX/XX/XXXX. I did not reaffirm my mortgage with XXXX XXXX XXXX. XXXX XXXX was notified of the bankruptcy on XX/XX/XXXX. At that time, XXXX ceased all written correspondence with me concerning my mortgage. My lawyer advised me that none of my creditors could legally report to any of the credit bureaus nor pursue me for payment on any account included in the bankruptcy. A little more than one year after filing bankruptcy, I lost my job and fell behind on my mortgage with XXXX XXXX. I applied for mortgage assistance several times, and in the process, XXXX XXXX referenced my bankruptcy. Again, a reminder that the bank was well aware of my bankruptcy and the federal laws governing it. 
On XX/XX/XXXX, I reviewed my credit reports with Equifax, XXXX  and XXXX. I found that XXXX XXXX reported to two of the bureaus AFTER I filed bankruptcy and the delinquencies, which occurred well after I filed Chapter XXXX Bankruptcy, are showing on my reports. I know this is against the law and called XXXX on XX/XX/XXXX to express my concern. I spoke to two representatives, XXXX and XXXX, who both agreed that XXXX was noncompliant with federal law. Despite this, my issue was not resolved on their level. 

I sold my house through a traditional sale in XX/XX/XXXX. XXXX, the first XXXX representative I talked to stated that the account does not reflect the sale and shows still active and in foreclosure. 

XXXX has also reported a separate mortgage account to my credit that has a monthly mortgage amount nearly twice what my mortgage amount was. I gave the XXXX account number that shows on my credit report, to each representative. Each stated that the account number does not pull anything up. However, it shows on my credit report. None of these issues were resolved during a phone call to XXXX.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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 also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX 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 personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX XXXX with a balance of {$240.00} The Hard Inquiries that are on my credit report that should also be removed blocked and deleted are a Hard Inquiry from XXXX, and XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX XXXX  ) account # XXXX has violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX XXXXXXXX ) account # XXXXto communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXc-section b. XXXX, XXXX, and Equifax, must remove all information reporting from and relating to ( XXXX XXXX  ) account # XXXX including third party debt collection accounts associated with ( XXXX XXXX ) account # XXXX the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section b.
Product: Checking or savings account

XXXX XXXX was my contact working as an XXXX and XXXX for a company called XXXX XXXX XXXX. I and my business partner XXXX XXXX completed certain tasks for them. They XXXX us the money once the work was completed. She only allowed me to contact her via XXXX XXXX. When I logged back into the app to recover our conversations, she deleted her account. I was only able to obtain the few emails we had from my XXXX account ( I have proof of her requesting me to only communicate with her via XXXX  ). Why would she delete her account? Why is none of the contact information working all of sudden? She also told me her office staff members have business accounts and will XXXX us the money for the services provided. On XX/XX/XXXX at XXXX I received a notification that my business account was negative ( XXXX XXXX & Chase Bank ) which was the same  amount of money they paid me. In addition, they did the same thing to XXXX XXXX Chase account ( her account number XXXX ). I tried to call them but the number is not working and the email is not working. In addition, the website is not working as well. I have had my account for years with Chase and never had it in bad status. I recently opened my XXXX XXXX Account ( XXXX ). I honestly feel that Ive been scammed out of work and our time. I have proof that I have a legal contract with them. I need these charges to be reversed back into my account. XXXX always ask you a question before sending funds to ensure you are sending it to the right person. They confirmed we were the right people to send funds to. Please handle this matter. XXXX XXXX is holding {$940.00} in my business account ( account number : XXXX ) payment from XXXX XXXX XXXX ). Chase Bank account is negative of {$2200.00} ( account number XXXX ). XXXX XXXX personal account, they are holding {$140.00} of my money. XXXX XXXX paid me {$1100.00} and {$1200.00} for my services in XXXX XXXX account. Ina few days, my personal account with XXXX XXXX will be negative. I was scammed out of services. Neither bank is willing to help me get funds back. My accounts are on hold now. My personal payroll check is linked to my XXXX XXXX Personal Account. A police report has being filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed disputes letters to Experian and XXXX  along with a letter from the US Bankruptcy Court saying that US Bankruptcy Court does not perform any activities with the credit bureaus. It has passed 45 days and I have not gotten no response from either company. The inaccurate information is still being reported on my credit report. Customer service representatives from both company informed me that they get their data for public data from a third party vendor XXXX XXXX, which is not the US Bankruptcy Court!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX FUNDING XXXX Balance Owed : {$1200.00} XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} I Dispute these accounts that dont belong to me and belong to someone else with the same name to the credit bureaus and the accounts still remain on file in was not deleted.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

I reached out to XXXX and the companies listed in this complaint back in XX/XX/XXXX ; they ignored the fact I had been a victim of identity theft. I provided them with proof, an affidavit, and an identity theft report and they are refusing to follow the guidelines set forth in the FCRA. These actions are in direct violation of federal law and standards law makers have set for Consumer reporting agencies and companies. I ask that XXXX  and these companies do what is right and remove these fraudulent accounts from my credit report immediately. Also recent inquiries have appeared which do not belong to me, I will list them below after the accounts. ACCOUNTS : Account Name : PROCOLLECT , INC Account # : XXXX Balance : {$330.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX   XXXX {$3400.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX  XXXX XXXX {$14000.00} XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX {$8000.00} XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my employer deposited my paycheck into my Capital One account via direct deposit. Shortly after, the bank that my employer used for processing payroll shut down and initiated a reversal of the payment. This was not an action taken by my employer directly but by their bank. Capital One began a " loss investigation '' into the matter but failed to provide me with any updates or meaningful communication throughout the process. 

I repeatedly contacted Capital One for updates every single week since this issue occurred, but I was only told there was an ongoing investigation. At no point did Capital One request additional information or evidence from me or my employer, such as contact details or documentation. The investigation appeared to be one-sided and lacking in thoroughness. Ultimately, Capital One closed my account and labeled me as " high risk, '' which has severely impacted my financial life. 

As a result of their decision, I have been unable to open a personal or business bank account with any other financial institution. This has directly affected my ability to receive payments from my employer. To make matters worse, Capital One froze the {$5000.00} I had in my account at the time. I was unable to withdraw, wire, or transfer these funds, leaving me completely without access to my money. 

Capital One has failed to provide transparency or accountability in this process, and I feel I have been unfairly treated and potentially discriminated against. This situation has caused significant financial hardship, and I am seeking resolution.