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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. I Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15U.S.C 1681, which mandates a reasonable investigation of disputes. Furthermore. Equifax actions may also contravene the consumer Finacial Protection Act ( CFPA ) ,12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide consumers with the necessary proof of investigation. These are the account I requested, XXXX XXXX XXXX XXXX, XXXX XXXX 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
Product: Credit reporting

Experien failed to investigate. Had they did a proper investigation they would have realized XXXX XXXX XXXX had broken multiple laws. Instead they chose a short cut three times and updated what public records has stated. This is not a joke, it 's my life, my way of living, providing for my daughter 's and I expect to be treated fairly. Third dispute and they update a foreclosure. These workers are not doing full investigations, they need to understand steps and procedures to follow when a creditor, lender breaks the law. I like to know I would be protected, instead i feel im being treated unfair and onesided.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX XXXX, XXXX, ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX, XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX has XXXX accounts that are inaccurately reported as charged off and consumer remarks states profit/loss write off yet I have not received a 1099-C indicating cancellation of the debt. Please investigate and remove this account if it can not be verified due to inaccurate reporting. 

If XXXX XXXX  has charged off this debt they should have issued a XXXX. The absence of a XXXX indicates that the debt is still considered collectible, which is inconsistent with the charge-off status. Please either remove the charge off status from XX/XX/year> to beginning of charge off reporting or send verification of debt cancellation through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CreditKarma.com I have a XX/XX/2021 inquiry on my credit report. I have not requested any info from them nor given them consent to pull any info and They have made it impossible for me to get in touch with them and report it. Not able to contact them by phone. When I email them they push me back to their nonworking website. They have made it impossible to report misconduct if you are not a current member which I am not ( I am not a member of this company ). I want any and all information they have concerning who supplied them with my information.
Product: Debt collection

In XXXX my car was in an accident. My insurance companies paid the total balance owed on the vehicle. 

In XXXX, I was seeking financing for a new vehicle. The former finance started reporting negative information to the credit bureau, thus impacting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate personal information which another credit reporting agency found to be inaccurate and had removed. Due to the lack of response of the Equifax Credit Bureau, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. Please correct the error found in my personal information and update my records, which the bureau have failed to provide proper verification : Address : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND EXPERIAN, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX Opened : XX/XX/XXXX Balance : {$4800.00} Chargeoff- XXXX XXXXXXXX Opened XXXX XX/XX/XXXX XXXX : {$610000.00} Late/Open- XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXXXXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX
Product: Credit card

Synchrony Bank allowed a transaction that I did not authorize, for the amount of {$7600.00} for furniture that I did not accept, I rejected the delivery and I did not provide my signature on the delivery paper. 
I want to proceed with the arbitration, I already contacted the XXXX XXXX XXXX XXXX, and they sent me a form, I need the bank collaboration to continue with this process. I am kindly asking Synchrony Bank to assist in completing the necessary sections of the arbitration initiation form. 

Specifically, I kindly ask Synchrony Bank that you provide the following information : 5. Identify the requested city and state for the hearing if an in-person hearing is held : City : State : Select...

6. Please provide contact information for both the Consumer and the Business. Attach additional sheets or forms as needed.

- Business information - Business representative 7. A clear, legible copy of the contract containing the parties ' agreement to arbitrate disputes. 

I attached the XXXX arbitration form.
Product: Vehicle loan or lease

THIS IS NOT A DUPLICATE COMPLAINT IT WILL BE IN CONJUNCTION WITH A COMPLAINT : Michigan Department of Insurance and Financial Services Complaint File # : XXXX. 

It has come to my attention after Santander USA finally sent me an entire statement of all payments made that my down payment was not listed, not applied and not provided to them per the terms of my original contract. The amount of the down payment was {$3000.00} which is the same amount that Santander is stating that I owe to them at this time. The town payment was towards the loan amount principal balance NOT taxes titles and fees. Considering Santander USA is a predatory lender and has been sued with Michigan being part of that class action lawsuit it has impacted me directly. I am one of the consumers impacted directly and part of this lawsuit. 
https : //santandermultistateagsettlement.com/Home/portalid/0 The amount on my credit report should have been forgiven and the title should have been sent to me but it has not been. Furthermore, considering that they are a sub-prime predatory lender who can not provide me traceability on where {$3000.00} went or my original contract which has been requested multiple times in writing, the stat needs to be removed until those things are furnished.
Product: Credit card

I reported a {$160.00} theft, by Amex customer service, it was supposed to be returned on my most recent statement ( XX/XX/year> ) and the amount stolen was not. Requested the following action : " Retain this thread, it is going to your internal audit. '' A report was sent to them via the Amex ethics hotline, with the following details about the response. 

XXXX Individuals Responsibilities Any individual who suspects a serious breach of Company policy or the law has occurred should report it immediately to his/her leader, and it is expected that most issues are to be resolved appropriately through this channel. If it is impractical or inappropriate for the individual to notify their immediate supervisor, the individual may contact any of the following : the XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX, Compliance, the XXXX XXXX XXXX ( XXXX ), or the Amex XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Although the Amex XXXX Hotline provides for anonymous reporting, the Company encourages individuals who wish to report potential wrongdoing to identify themselves through whatever channel they contact, and to provide only objective factual evidence to support their allegations. Regardless of what channel is notified of the allegations, the name of the whistleblower may not be disclosed to the target ( XXXX ) in any jurisdiction that prohibits such a disclosure.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I would like to report as inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

In 2012, I cashed my check for XXXX. I wasnt credited the funds and my account was closed for no reason.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 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.
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 confidentially under 15 USC 1681. 
** XXXXXXXX XXXX  XXXX Acct # XXXX ** XXXXXXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX XXXX Acct # XXXX ** XXXX XXXX Acct # XXXX ... 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have been fighting a collection that does not belong to me with 4 different collection companies from XXXX, every time I ask for proof of debt and tell them I have never had XXXX XXXX, they remove the collection from my credit report and then reinsert it on my credit report a month later, or put it under a different collection company, I have lived at the same residence for the past 10 years and have always had XXXX which I can provided the bills showing that I have, each time I provide the proof to these collection agencies they remove it and then reinsert it on my credit report which is illegal, or transfer it to a different collection company, I have also reported this to XXXX, XXXX, and Experian, which I have proof of, and they have never once provided a notice of reinsertion within the 5 business days as required by FCRA law, they all continue to allow this to go on and affect my credit, which is hurting me financially. The collection companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am uploading some of the letters that was sent, and the Certified USPS receipts proving everything I am saying is factual, I have other letters and proof of this illegal practice that I intend to show in Court when I sue for continued harassment, financial loss, and a lack of effort on the credit bureaus part to provide factual reports, there is no way these collection agencies could get away with this without the credit bureaus not knowing and allowing this illegal practice of reinsertion and re-aging to continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two unauthorized hard inquiries on my Transunion credit report. Transunion has not allowed me to dispute them online. I have had difficulty disputing over the phone. The hard inquiries that must be removed are the following : XXXX XXXX -XX/XX/2019 XXXX XXXX - XX/XX/2019
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I ordered a pair of shoes for {$110.00} via PayPal from a XXXX retailer called XXXX XXXX. I'd never ordered from XXXX before, and I was hoping to use PayPal in case there was anything fraudulent involved with XXXX. XXXX 's tracking information never worked for me, and on XX/XX/18 they emailed me saying the package had been delivered. It never was. I attempted to work this out with XXXX, but they were unresponsive so I reached out to Paypal on XX/XX/XXXX filing a complaint. PayPal spoke with XXXX and denied my claim for a refund on XX/XX/XXXX on the grounds that the seller 's tracking service indicates that someone signed for the package. No one was around to sign for the package on XX/XX/XXXX, so this is very strange. In addition to this, the tracking website they provided to PayPal is only in XXXX that XXXX is unable to translate via XXXX. Nonetheless, PayPal took this as sufficient proof that the package had been delivered, without ever seeing evidence of signature. I worry that XXXX committed deliberate fraud, and that PayPal 's system denied my claim when it should have been accepted.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I entered into an agreement with Acima to pay for two ( 2 ) units I purchased from XXXX. I made a down payment of {$48.00} and had schedule weekly payments of {$55.00}. 

In XXXX, I had to return one ( 1 ) of the units back to XXXX and a Refund was issued on XX/XX/XXXX in the amount of {$530.00} back to Acima. In XX/XX/XXXX, I called Acima to inquire about adjustments made to my account as I was issued a refund and now only have one ( 1 ) unit to pay for. The Resolutions Rep explained to me that the company ( Acima ) recently changed financial institutions and that is why there was a delay in my adjustments. I was told the case would be reviewed and for me to call back in 2 weeks. 

On XX/XX/XXXX, I called Acima to get the status of my case of which that Resolutions Rep explained to me it was never reported. I was told that the adjustment would be made and I will only have to pay {$26.00} weekly. Unfortunately that did not happen. I finally called in today, XX/XX/XXXX to be told that I will have to pay {$36.00} weekly to pay off remaining balance of {$430.00}. I feel like Acima has put me in a financial bond and I have paid more than I should as I was was never credited ( payment {$55.00} for two Months ) and still paying
Product: Credit reporting, credit repair services, or other personal consumer reports

I was out on XXXX, and went into a XXXX XXXX XXXX. I was in contact with the creditor, XXXX XXXX through out the entire time. I made a payment arrangement with the debtor and was told this would not appear on my credit report. I have filed two disputes with Experian, and one with XXXX to have this corrected as per the debtor. I spoke to the debtor earlier this week, and they confirmed that they would take care of it. After filing 2 disputes with Experian, and in spite of the mortgage companie 's assurance, Experian refuses to correct the information. I am getting frustrated. Thank you.
Product: Debt collection

Common Wealth finance is trying to collect {$420.00} from me, but i never received a notice, nor recall owing that money to any collector. I 've made multiple attempts to contact that company, but I have yet to successfully speak to someone.
Product: Student loan

Within 7 days a XXXX XXXX ( not sure if correct spelling ) called me 3x... called my office 2x on XX/XX/year> and me as well 2x that day!... called my brother ... and even called my brothers ex-wife ( XXXX does she have to do with anything ) in the same day! This is CLEARLY harrassment... called my brothers ex wife? She isnt even my relative... She needs to be sanctioned and fined ... its ridiculous... 
Thank you
Product: Debt collection

A few days ago, I got a notification that a collection was added to my credit reports. When I went to credit sesame, I see that IC Systems Collection has been added to my credit report without notification or my permission. They claimed that I owe XXXX {$56.00} and want a payment. I want to see the chain of command letter showing that I've done business with both XXXX and IC Systems Collection in the past, my signature on any contracts with both companies, and my signature on any documents showing from XXXX and IC Systems Collections that I gave permission for this allege bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute late payment reporting on my Equifax credit report from XXXX XXXX XXXX XXXX. I have tried to dispute the late payments at least 5 times and every time they reply to Equifax that it is correct. But the auto loan I had with them was ended in 2015 when the car was repossessed. Since then they sold the vehicle in 2015 and applied a payment towards my balance. Not only are they still reporting late payments but they are also still charging interest to the point my balance has more than doubled. I have tried to work this out directly with XXXX  and I even contacted Equifax who initiated the last 2 dispute directly for me because they agreed that I should not still be receiving late payment reporting. This is really ruining my credit score because they said I shouldn't be penalized for disputing but every time I dispute anything my score is dropped by around 30 points when they come back with yet the wrong information again. It is extremely unfair and I can not get any help from anyone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXXeporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.