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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida, [ XXXX ] Equifax Inc XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, Ive looked at my report back in XXXX, and noticed some things are incomplete and inaccurate. I sent a letter to Equifax XXXX and XXXX via CFPB and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix everything Ive demanded. 

They are committing Federal law violations According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in the individual about whom the report relates. 

Ive then asked them to provide me a description of the investigation according to 15 USC 16811 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( ili ) by not later than 15 days after receiving a request from the consumer for that description. 

Yet they failed to do that as well either. 
They are also violating these laws as well below : According to 15 USC 1681s-2 it states this. 
( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. May you please adhere to my demands and requests. 

Delete these inquiries listed below immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ). 

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 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to verify the validity of numerous inquiries on my credit report. I was told that it's a " factual record '' but Transunion will not provide me a copy of a signed authorization form, giving them permission to report these inquiries as fact. Transunion can not and will not provide me with proof bearing my signature and giving authorization for my credit file to be viewed by ANY company, therefore giving them permission to report these inquiries. I request that the below mentioned inquiries be removed if proof bearing my signature can not be provided. 
( 1 ) XXXX - XX/XX/XXXX ( 2 ) XXXX XXXX - XX/XX/XXXX ( 3 ) XXXX XXXX - XXXX XXXX, XXXX ( 4 )  XXXX - XX/XX/XXXX ( 5 ) XXXX - XX/XX/XXXX ( 6 ) XXXX - XX/XX/XXXX ( 7 ) XXXX  - XX/XX/XXXX XXXX 8 ) XXXX  - XX/XX/XXXX ( 9 ) XXXX XXXX  - XX/XX/XXXX ( 10 ) XXXX XXXX - XX/XX/XXXX ( 11 ) XXXX XXXX - XXXX  XXXX, XXXX ( 12 ) XXXX XXXX - XX/XX/XXXX ( 13 ) XXXX - XX/XX/XXXX ( 14 ) XXXX  - XX/XX/XXXX ( 15 ) XXXX XXXX - XXXX  XXXX, XXXX ( 16 ) XXXX XXXX - XX/XX/XXXX Thank you, XXXX XXXX Last 4 SS # : XXXX D.O.B. XX/XX/XXXX
Product: Credit reporting

I received an alert from equifax that my home address had changed to XXXX XXXX XXXX XXXX XXXX Florida XXXX had changed to XXXX XXXX XXXX XXXX XXXX, Florida XXXX. 

I said that XXXX XXXX " XXXX XXXX '' does not exist and that I did not authorize it. I was told I 'd have to fax my drivers license XXXX utility bills, a copy of my ss # card. 
I asked to speak to a supervisor and spoke to a supervisor " XXXX '', who said if I did not like my service I could cancel it. Well, three seconds after my call I received an email that my membership was due to cancel on XXXX/XXXX/2015
Product: Debt collection

I have asked Professional Adjustment Corp to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Mortgage

Web site for payments was unavailable to make payments. The alternative was to pay by phone. I was charged a service fee of {$14.00} to use this service. Bank refused to reverse this charge even though it was their web site unavailability that forced me to use the phone service.
Product: Debt collection

Collection Center, Inc. XXXX XXXX XXXX XXXX Wyoming XXXX. On XX/XX/2020 I called the mentioned company and spoke to XXXX XXXX. I called to pay off debt that was on my credit report. I asked XXXX for proof of debt due to the amounts she said I owed did not sound correct. XXXX explained the medical accounts had interest added on, not once was I told I was paying court cost or attorney fees. I paid {$1700.00} I never received proof of debt as agreed. I was then told I had another medical account for the amount of {$480.00} I told XXXX that I have no knowledge of this account and I need proof I owe this debt. I never received proof and XXXX lied to me saying it was just a clinic visit. On XX/XX/XXXX I called and spoke to XXXX and paid off the account {$480.00}. On XXXX XXXX I received payment transaction history ( not proof of debt ). On the transaction history I found that I was taken advantage of, not only did I pay medical accounts, I was charged for the principal, interest, COURT COST, ATTORNEY FEES. I never received/ served a summons and complaint, and I did not have a judgment entered against me. I have confirmed with the courthouse no action has been taken against me. I will list the amounts : Payment made : XXXX Principal : XXXX Interest : XXXX Court cost : XXXX Attorney Fees : XXXX This company charged me for fraudulent cost.
Product: Money transfers

I send funds to my mom for festival and it was reported pick up although my mom never got the money and no receipt in her hand. when she went to pick up the funds, agent said it was picked up., Please help me, it 's giving lots of tension and stress for both of us.I called money gram and they were not help at all, they do n't care, I was told by many people that money gram have some fraud going on.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a formal complaint regarding several inaccurate items on my Equifax credit report, alleging multiple violations of the Fair Credit Reporting Act ( FCRA ) and consumer protection laws. I requested Equifax 's immediate removal of the following accounts based on inaccurate, outdated, and unverifiable information, yet they failed to adequately address my concerns. Specifically, XXXX XXXX XXXX still reports a " charged-off '' status for an account that was transferred to XXXX XXXX , in violation of FCRA Section 623 ( a ). XXXX appears twice with identical details, showing a past due status as of XX/XX/XXXX, violating FCRA Section 611 ( a ) ( 1 ) ( A ) due to duplicate negative entries. The XXXX XXXX entry shows a charge-off as of XX/XX/XXXX, yet Equifax could not verify its accuracy upon my request, violating FCRA XXXX XXXX. XXXX XXXX also appears as a charge-off sold to Security Credit Services , yet remains on my report with a last status update in XX/XX/XXXX, surpassing permissible reporting timeframes under FCRA Section 605 ( a ). XXXX XXXX reflects a charge-off in XX/XX/XXXX with unverified details, violating FCRA Section 623 ( b ) due to lack of supporting documentation. XXXX XXXX XXXX incorrectly shows a charge-off even though the debt was sold to XXXX XXXX XXXX XXXX XXXX contradicting the accuracy requirements of FCRA Section 623 ( a ) ( 5 ). XXXX XXXX XXXX, listed as a debt buyer for a XXXX account, has not provided any documentation to validate this debt, violating FDCPA Section 1692g ( b ). XXXX XXXX, listed as a debt buyer for XXXX XXXX XXXX  XXXX, reflects an unverified past due balance of {$XXXX}, failing FCRA and FDCPA validation requirements. XXXX XXXX XXXX, listed as having purchased a debt from XXXX, is inaccurately reported as the original creditor failed to verify it, breaching state and federal regulations. XXXX XXXX XXXX, originating from XXXX XXXX, lacks necessary documentation for legitimacy under FCRA and FDCPA validation requirements. Despite my requests for documentation or removal based on the accounts unverifiable nature, Equifax has allowed these entries to remain without sufficient validation. I am therefore requesting immediate removal of these inaccuracies on my credit file and an updated response addressing their failure to meet the standards of federal and state consumer protection laws.
Product: Debt collection

In 2011 I left my XXXX husband. We had three months left on our lease and I stayed at home with my parents and paid the remaining three months. I also turned in my 60 day notice in XXXX of 2011 and our lease was up in XXXX. ( I paid XXXX, XXXX and XXXX rent ). I talked to the lease lady and she said I was all clear. After our lease XXXX XXXX signed a new lease and they did not take my name off and put in lease in my name without my permission! I found this out years later when Rent Recovery Solutions had a {$2500.00} collect charge. I tried calling XXXX apartments and they could not help because they were under new management. I called the old management company and they could not provide me any information on the lease dates etc. I have gotten this removed from XXXX and XXXX but it is still on my XXXX report. This lease was started without my permission and the charges are not mine.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX, am a victim of identity theft, request removal and deletion of listed accounts on my transunion, experian, and equifax credit report. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Alerted that National Credit Adjusters placed a derogatory statement on my credit reports. I am a victim of identity theft. Someone used my information to open an account at XXXX. I called XXXX to notify them of identity fraud and I was told that they would open a ticket, what ever that means.
Product: Mortgage

Because of bsi financial at this time my home owners insurance policy has lapsed. I pay my mortgage payment on time every month, including escrow. They are incompetent and say they couldn't figure out how to pay my insurance ( even though i have had had multiple other mortgage companies in tge last 10 years and they figured it out just fine ) and because of this my policy has lapsed. I was never contacted once during this time as i could have easily resolved this. The only thing I received was a letter stating this after my policy had lapsed. Now with the quotes I have received so far I am out of pocket more money each month and they are unwilling to take any responsibility or make this right. Their only answer was to find another policy regardless of price by XX/XX/XXXX or they will purchase a policy for me.
Product: Checking or savings account

In XXXX we received XXXX bank statements and an NSF Letter in the mail addressed to my personal name from BMO Bank. I did not open these accounts. My wife and I called and made a statement that these accounts were opened in a fraudulent manner. BMO stated they couldn't provide an identity on the actual individual who open these accounts. We received another statement and a dispute letter in the mail on XX/XX/XXXX. We called to confirm that these accounts had been closed. The said individual said her department doesn't handle sending out letters confirming the full closure of the accounts. We asked the specialist if we could please get a copy of the individual who opened the account. Specialist stated they don't require identification from anyone who opens account up through their online website. We ended up calling a local branch within our state to verify this information. This is not ok. This bank has put us through a whole lot of issues this past month, we have had to freeze our credit reports, put alerts on XXXX XXXX. Not to mention they are encouraging this fraud, and someone is having to pay for this. They are required by law to practice their due diligence and they are not. The USA Patriot Act requires all banks to require proof of identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer law 15usc 1681B have no knowledge of these credit company with these hard inquiries on my credit report with XXXX XXXX  exqafax want this unidentified information remove from my credit file
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 

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: Credit reporting or other personal consumer reports

An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/2023. 

A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/2023. A copy of this letter and confirmation receipt is attached below. 

*USPS Certified Mail : XXXX - Delivered XXXX This Creditor had No Permissible Purpose to obtain my consumer report information. 

This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. 

Please Delete/ Remove this inquiry from my consumer reports as soon as possible. 

Thank You In Advance, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of the accounts below are not accurate. the open date, date last active, and date of last payment is not 100 % accurate. 

They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

i attached a consumer report as evidence.
Product: Debt collection

I received XXXX phone calls within XXXX hours about a debt that I have apparently owed for over XXXX years but have not received any mail notification of at my present or prior address and have not spoken to anyone about until the first phone call last night where I felt attacked. I was threatened to have to pay almost {$1000.00} by Friday or they are going to continue with legal action. How is this right?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS POSTING FRAUDULENT ACCOUNTS IN MY GOOD NAME STATING THAT EQUIFAX HAS THE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. 
I HAVE DISPUTED THE INFORMATION WITH EQUIFAX AS WELL. 
SO FAR WITHOUT POSITIVE RESULTS FROM XXXX NOR WITH EQUIFAX.
Product: Debt collection

I started receiving text from a collection agency, XXXXXXXX XXXX XXXX  on behalf of XXXX XXXX XXXX XXXX. When I tried to log onto their site, I received a " no account found '' message, so I assumed I received these texts in error. After receiving additional texts, I reached out to XXXX and learned that I have a {$130.00} bill for a XXXX XXXX in XXXX. This is my daughter 's vehicle which has a XXXX XXXX that is linked for automatic withdrawal from my bank account. The original bill was {$43.00} before they added all the late fees and turned me over to collections. I never received a bill from XXXX XXXX XXXXXXXX XXXX and it should have been withdrawn from the XXXX XXXX I told them I didn't know if or why it wasn't automatically paid, and I would be fine with paying the original charge ( which I never received a bill for ) but I believe this is a scam used to add on late fees in order to collect additional money from unsuspecting customers and I do not feel like I should have to pay all the late fees. I have a great credit score, because I always pay my bills when I receive one. Thank you for your consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters in regards to the incorrect information that is on my credit profile. I have yet to receive a response and it has been over 70 days. Im very unhappy that I have been ignored and I have been very patient. It has been a rough time during this pandemic and I am trying to purchase a house for my family but being that there is incorrect information on my credit report it is hindering me from doing so. It has also cost me thousands of dollars each year due to the incorrect information. Being that it has been over 70 days and I havent received a response I demand that these accounts be deleted. I will not keep waiting and waiting. An investigation should have been done by now, now I NEED the items deleted being that they havent done their job in the appropriate amount of time. Im very knowledgeable of my rights and if items arent deleted I will be filing for litigation due to all the stress Ive been caused due to being ignored.
Product: Credit reporting or other personal consumer reports

I have attempted to refute several credit accounts on my Experian profile and Experian has never received or sent me verification of debt to prove that the debt is mine! There are many debts that are not mine but still appear in my report # XXXX.
Product: Credit reporting or other personal consumer reports

IM DISPUTING AN ALLEGE LATE FEE PUT ON MY ACCOUNT, DUE TO THE NEGLIGENCE AND CROOKED BUISNESS TACTICS FROM EXPERIAN ..EXPERIAN, XXXX, AND XXXX HAS BEEN FOUND GUILTY AS CHARGED BY THE CFPB FOR NOT DISPUTING BOGUS LATE FEES FROM LINES OF CREDIT AND CREDIT CARDS FROM CONSUMERS LIKE MYSELF..THIS NEGATIVE PUBLICITY HAS BEEN ALL ON THE NEWS, AND ONLINE ... EXPERIAN AND XXXX AND XXXX HAS NOT BEEN READING DOCUMENTS THAT'S BEEN MAILED AND EMAILED TO THEM, THESE CREDIT BUREAUS HAS BEEN COMMITTING UNDERHANDED, UNETHICAL BUISNESS TACTICS TO HARD TIME AND CAUSE HARDSHIP ON CONSUMERS LIKE MYSELF FOR A PRICE... .I WANT THE CFPB TO PLEASE READ ALL MY DOCUMENTS THAT I'VE BEEN SENDING TO THESE CREDIT BUREAUS, AND YOU WILL SEE THAT I ALWAYS ASK THEM TO READ THE DOCUMENTS ... XXXX XXXX WHO PUT THIS BOGUS LATE FEE OF {$11.00} ON MY ALMOST PERFECT CREDIT REPORT ALSO DID NOT FOLLOW PROTOCOL ..15 U.S. CODE 1666 b TIMING OF PAYMENTS ... CFPB LAWS AND REGULATIONS STATES..A CREDITOR IS SUPPOSE TO HAVE DELIVERED 21 DAYS BEFORE BILL IS DUE... THIS DID NOT HAPPEN..ANOTHER VIOLATION.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a massive data breech, and they sent me a letter saying that my information was compromised. Also, my credit monitoring service reported that my information was leaked on XXXX XXXX XXXX  data XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXXXXXX XXXX XXXX. These are all large, recognized organization, which these data breech have widely been reported. After the XXXX XXXX XXXX breech I noticed unusual reports on my credit, and I have started to take action on this identity theft issue on my credit profile. 

Identity theft credit accounts 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 XXXXXX/XX/XXXX