23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Debt collection

For approximately 6-months, I have attempted to resolve a " Collections '' matter with XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Currently, XXXX XXXX is attempting to extort approximately {$8700.00} from me. I have repeatedly sent formal letters to XXXX XXXX demanding account proof of ownership. To-date, XXXX XXXX provided a copy of the first page of the monthly credit card statement dated XX/XX/XXXX. Moreover, statement did not identify me as the owner, albeit statement listed a former address. Pursuant of the Fair Debt Collection Practices Act, 15 USC 1692g Section 809 ( b ), XXXX XXXX must provide the original credit application with my signature, individual signed receipts for " ALL '' merchandise purchased and name, address, phone number and account number of " ORIGINAL '' creditor. I spoke to XXXX XXXX representative i, e, XXXX XXXX on XX/XX/XXXX @ XXXX. I was told " We are not required to provide detailed account information i.e. Original Application etc. '' I demanded all documentation in XXXX XXXX 's custody. After exchanging expletives, XXXX XXXX representative hung up the phone. Finally, I attempted to contact Bank of America ; however, account number provided by XXXX XXXX is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing regarding unresolved inaccuracies on my credit report and your failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). This letter services as my formal XXXX XXXX dispute the following accounts : XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable. This account also is reporting on my credit report XXXX times. 

XXXX XXXX XXXX acct # XXXX " this account is reporting inaccurate late payments despite no supporting documentation '' account remains unverifiable Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX and Equifax for engaging in sham investigations of consumer disputes. The CFPB 's complaint highlights that XXXX improperly marked disputes as frivolous or conducted superficial investigations that fail to verify the accuracy of reported information. 
This practice violates the rights of consumers under the FCRA. As per the FCRA 611 ( 15 U.S.C 1681i ), XXXX is required to : XXXX. Conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. 
XXXX. Notify the furnisher oif the disputed information. 
XXXX. Delete or correct information that can not be verified within the required timeframe. 

Given the CFPB 's findings and your previous handling of my disputes, I am concerned that you have not fulfilled your statutory obligations. Let this letter serve as formal notice that I expect the following actions to be taken immediately : XXXXConduct a thorough and reasonable investigation into the disputed accounts listed above. 
XXXX. Delete or correct any unverifiable, inaccurate, or incomplete information. 
XXXX. Provide me with a detailed explanation of the investigation process and furnish supporting evidence to verify the information in question. 
XXXXSend me and updated copy of my credit report reflecting any changes.

Under FCRA 611 ( a ) ( 5 ) ( A ), if the disputed items can not be verified, you are legally obligated to remove them from my credit file. Failure to comply with the FCRA will leave me with no choice but to escalate this matter further by filling a complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state 's Attorney General 's office. I trust that you will take immediate corrective action and provide a response within the 30 days required by law. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Attached is a document showing the lean on my car. I paid off in XXXX. Also attached is a report ( s ) of fraud. According to XXXX at XXXX, XXXX applications is not a legit number. It contacted the bank and State of Az and they do nothing.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I sent letters indicating all updated personal information after name change. With all appropriate documentation. 

No response or reflection ever appeared on my reports. Fast forward to today, XXXX months after my bankruptcy has been discharge my credit score dropped XXXX points to pre-discharge range ; after it had been slowing increasing for over XXXX months. 

I have no open accounts, no new credit, no payments to miss or be late. But I did in the last month secure a co-signer which would have enabled me to get out of being homeless and now I have been returned to a pre-discharge state. 

These action happen to more than just me, in a plethora of varieties and these agencies lord over the futures of hardworking individuals and dictate the livelihood of millions of consumers and citizens with no recourse or responsibility for their actions. 

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

Granite Bay Acceptance accessed my credit file on XX/XX/2021. I have no business or collections with this company, thus they are illegally pulling my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the account XXXX/XXXX  # XXXX, that was deleted from my Equifax Consumer files on XX/XX/2021, multiple FCRA violations have been committed on behalf of Equifax in regards to my consumer rights. Such violations have caused my Fico score to drop significantly and has hindered my ability to attain credit products. 

1. This account reappeared on my Equifax report on XX/XX/2021. I have not received any documentation that Equifax has received any new documentation urging them to reinsert this account from the original creditor. Simply saying that they have new information does not suffice, as I, the consumer, must have proof of this new documentation, which I have never received. I have only received a notice saying it was reinserted, with no true proof that an investigation was conducted nor new documentation found justifying its reinsertion. Neither did I ever authorize this reinsertion 1. Violation FCRA 611 ( 5 ) ( B ) ( i ) and 2. FCRA 611 ( 5 ) ( B ) ( ii ) 3. Violation FCRA 611 ( 5 ) ( C ). Procedures to prevent reappearance I, XXXX XXXX XXXX, have every reason to believe that Equifax has not maintained reasonable procedures to stop this account from reappearing on my credit report within these three federal statutes : As I was never made aware that correspondence was ever made between Equifax and XXXX after XX/XX/2021 and between XX/XX/2021 when the item reappeared. 

Equifax sent me a notice in the mail dated XXXX XXXX. Such notice stated that the account was verified on my credit report. Yet no explanation as to how they were able to verify this information was included. I have reason to believe that Equifax has conducted no reasonable investigation into the reinsertion of this account. My consumer rights have been violated and I am prepared to file suit against Equifax in small claims court pursuant to FCRA 616 and FCRA if this item is not promptly deleted from my Equifax credit profile. 

I urge that you make Equifax aware of the amount of compensatory damages that I am owed as a result of their negligence and FCRA noncompliant behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern, This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX XXXX XXXXXXXX Made on : XXXX XXXX Made with : TRANSUNION Made by : XXXX XXXX XXXXXXXX Made on : XX/XX/XXXX Made with : TRANSUNION To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.

Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.

Thank you!
Product: Credit card or prepaid card

I received a report that I was added as an authorized user on a credit card without my consent or knowledge. I contacted the bank and they would not provide me any information on how this happened nor allowed me to remove myself as an authorized user.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX Automobile Dealers 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

Take a look at the documents attached. I request the bureau to commence an investigation into the accounts reporting me as late, despite my continual on-time payments.
Product: Debt collection

This company is calling all people associated to me through addresses, relationships, etc. They are telling them it is a financial matter I need to contact them. I have never even given the numbers of the people they have called. Its embarrassing and it's intrusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Reference # : XXXX CURRENT CREDITOR : XXXX XXXX XXXX XXXX CREDITOR ACCOUNT XXXX XXXX XXXX To Whom It May Concern : This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation, and you continued to report a disputed debt to the Credit Bureaus, another FCRA violation. Not only have you ignored my prior requests for validation of debt, but you continue to report this debt to the credit bureaus causing damage to my character. This letter will AGAIN request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted. 

Kind regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent an initial complaint dated XX/XX/year> with the inaccuracies that are being reported differently across Experian XXXX and XXXX. They ( XXXX XXXX XXXX ) received that letter with certified returned receipt on XX/XX/year>. I received an email corespondence on XX/XX/XXXX, XXXX Their response was a " canned '' response that " The information you disputed is accurate and complete, so we must decline your request that we modify or delete the disputed information '' A second letter was sent today ( XX/XX/year> ) certified signature required with further violations highlighted. I hope they cure the deficiencies by fixing or deleting the inaccurate items as required by Law.
Product: Money transfer, virtual currency, or money service

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

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

I asked why they were charging me for the transactions and requested a refund. The company known as Fiserv uses XXXX XXXX XXXX XXXX They charged me maintenance fees but also charged me PCI compliance fees just for using their platform. At minimum, the PCI compliance should be on the merchant, but somehow it was on me to pay these fees and ensure compliance. 

The original company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Clover Connect XXXX XXXX  as a merchant to process transactions. They charged me since XX/XX/ just by having an open account. XXXX also did not assign an account manager or help with sales as they promised at the beginning of the contract. Perhaps, sales would have offset the fees from XXXX. 

is not like XXXX, XXXX, XXXX, or many others that do not charge a fee UNLESS a transaction is executed. All in all, they charged over {$600.00} fees without any transactions or sales on my account. Some of these charges were blinding and caused overdraft fees on my Business Checking Account. 

I added screenshots of what occurred and some correspondence between me and the company. The Merchant account XXXX is XXXX and XXXX XXXX is XXXX XXXX XXXX through XXXX which is a part of Clover Connect and Fiserv.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there is still an account to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm this account. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX CARD # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 


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

On XX/XX/2018 this letter was sent to Transunion and received via certified mail on XX/XX/2018. The first sentence on the attached document stated THIS IS NOT A DISPUTE however Transunion used this document for a unrequested dispute that Transunion verified as accurate information instead of a request for Method of verification. As of this day XX/XX/2018. I have NOT received the requested information and Transunion continues to verify the XXXX account # XXXX as accurate without providing copies of contracts bearing my signature or the information of the contacts they spoke to that continue verifying this inaccurate information. This is evidence that Transunion is violating guidelines of the FCRA in fair reporting. Please consider all the complaints about Transunions unfair reporting and consider class action legal action on consumers behalf.
Product: Debt collection

I told them that I don't have the money right now. I would be able to pay on this bill next month. They said NO, and that I needed to make a payment now. I owed some where around XXXX. My payments are XXXX monthly. They call 5 days a week sometimes I answer and tell them the same thing over and over.
Product: Credit card

I have a Wells Fargo credit card. I also have a Wells Fargo checking and savings account. I automatically pay my credit card bill, monthly, using Wells Fargo Bill Pay. They just simply send a e-bill to my checking account, and the funds are automatically sent to the Credit card payment center. This last month they charged me a late fee ( {$27.00} ), saying the transfer did not take place in time, since a " check '' has to be mailed from the Bank to the Credit division of the same bank. I have resolved the issue ( I think ), and the Credit card division said the late fee would be waived and a credit to my account would show up on the next billing statement. My concern is that this is happening at all. The whole process is antiquated. How much is WF cheating others who do not watch for transactions like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I had in collections in XXXX, which was paid in full and closed. It was reported at that time by the collection company XXXX XXXX   XXXX as paid in full with a XXXX balance, and that was reflected on my credit reports. 

In XXXX of XXXX the account suddenly reappeared on my Equifax report, displayed as Open. The account still shows as having a XXXX  balance and as paid in full, and reflects the date of my last payment, but for some reason the status is still Open in Collections, according to Equifax. I have disputed this problem at least five times now.

I have tried calling Equifax multiple times. I have been escalated to a supervisor, and then escalated to a manager. I have been lied to, been run around, and hung up on. I have contacted the Collection Agency and they verified that the account had been reported paid in full and closed for years, and have no idea why it has popped up in Equifax. 

I have had my physical Equifax Reports mailed to me to verify the account status is showing open still. 

I have received a letter from the original creditor AND the collections Agency verifying that the account should be shadowing as CLOSED and paid in full with a XXXX balance and both faxed and mailed all said documents to Equifax. 

Equifax refuses to take the simple action to display the states of this item as closed. Thats all I want. Both XXXX and XXXX  have the account reflecting the correct status of closed and paid in full. How can Equifax refuse to change the status from open when they know it has been paid in full, shows as a XXXX balance, and even have the date of my last payment?! 

The letter I have from the Collections Agency even uses the actual word, closed. 

Its infuriating. Im ready to file suit.
Product: Payday loan, title loan, or personal loan

They told me if I pay off the loan they will delete all the late payments
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : 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

PayPal- {$400.00}. Illegally incarcerated. Then father obtained fraudent Guardianship of me at age XXXX. Purposely to ruin credit and protect his business interest and $ $ in trusts.
Product: Credit reporting or other personal consumer reports

I on n 2018 I was a victim of identity theft, which accounts were made with housing that was not me I discovered fraudulent accounts had been opened with XXXX XXXX also represented by XXXXXXXX XXXX XXXX XXXX XXXX and Fair Collection & Organizations . Also XXXX XXXX is reporting fraud account to credit reporting agencies. I immediately filled a police report with XXXXXXXX XXXX XXXXXXXX XXXX police department because of fraud. These accounts were soon removed because they were fraudulent. Now these accounts are back and reporting a negative on my credit report preventing me from getting a home.
Product: Credit reporting or other personal consumer reports

In early XXXX, I took the initiative to order a copy of my annual credit report, only to discover a substantial number of inquiries into my XXXX credit report. Puzzled by the frequency of these credit checks, which occurred almost daily, I promptly composed a letter on XX/XX/, addressing XXXX, XXXX XXXX, and XXXX XXXX. In accordance with the Fair Credit Reporting Act, I emphasized their obligation to inform me of the timing and purpose behind their attempts to access my report, asserting that I had not granted them consent for such actions. I explicitly requested the removal of any unauthorized inquiries from my credit report. Unfortunately, despite the passage of well over XXXX  days, I have yet to receive any response from these entities. 

On XX/XX/2023, recognizing similar unauthorized inquiries from TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX , I promptly dispatched letters to each of them. Citing the Fair Credit Reporting Act, I underscored the prohibition against consumer reporting agencies furnishing records of inquiries not initiated by the consumer in connection with a credit or insurance transaction. These unauthorized transactions, therefore, are deemed illegal, as I did not initiate any of them.

I am adamant about rectifying this situation promptly and insist on the removal of all unauthorized inquiries from my credit report. It is imperative to stress that I have never granted permission for any entity to inquire into my credit, and I expect immediate compliance with the Fair Credit Reporting Act to rectify this matter.
Product: Checking or savings account

I called Bank of the West on XX/XX/XXXX and messaged them through their XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XXXX, and XXXX. As of today they have not responded to my messages and refused to close my checking account.