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

Equifax refuse to do a proper investigation. I have been disputing, fraudulent and inaccurate information on my report since XX/XX/2019. I went to purchase a home for my family and I, and was told my report had 9 different accounts but 4 looked like duplicates. I immediately sent Equifax a letter on XX/XX/2019. No response. I have filed numerous dispute requests and have not received a response. The accounts are still there which is a Violation of the FCRA. Equifax did not conduct a reasonable investigation of my dispute, And did not correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid for credit monitoring services with Equifax to access my report and score. The last time I was able to access my file was on XXXX XXXX, 2017. However, after I started disputing items on my file as fraudulent, I was unable to access my file. I was told that a copy of my drivers license and social security card was needed. I sent my drivers license and social security card in to verify my identity. I also called, spoke and confirmed with a personal solution representative for the product I purchased with Equifax that my driver 's license was received and verified. I have been paying for the service but not able to gain access to my credit file or score. I have been told several times that my file was escalated to another department and that the problem would be fixed in 7-10 business days and everytime I called back it was the same response " It will be escalated check back in 7-10 days ''. As of today X/X/2017, I have cancelled my service because I am unable to access my file and score that I have paid for.
Product: Mortgage

I have attempted to reach out to this company on several occasions each month since XX/XX/2021 I was subject to an approved Covid forbearance period as I was impacted by Covid due to loss of employment. After the Covid relief expiration I completed the application process for loss mitigation. They continuously state they dont have my application coded and or being received despite multiple emails sent attaching the application & several calls to ascertain its standing. Upon calling this company they dismiss my complaint and or terminate the line. I called them back and representatives are unprofessional and I am unable to successfully satisfy any communication concerns via phone with this company. I have several emails asking for their support and their due diligence in addressing and mitigating the loan issues and they have not been helpful!
Product: Vehicle loan or lease

I have reached out to the company Credit Acceptance several times since XXXX of 2023 that loan was not taken out with my consent and was harassed by company with 8-10 calls a day even on holidays and weekends and late night calls despite me providing a police report and FTC identity theft report company still is reporting on my credit report and will not delete. This company has continued to violate my rights and laws provided to protect consumers in the Fair Credit Reporting Act as well as local and state laws. also after researching this company and the hundreds of complaints about Credit Acceptance they should not be in business any longer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX TN XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX TN XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, DEPTEDXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.
Product: Credit reporting or other personal consumer reports

ON XX/XX/2023 - XX/XX/2023 CREDIT INQUIRIES WERE PLACED ON MY CREDIT REPORT FROM XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I HAVE NOT APPLIED FOR ANYTHING WITH THEM. I LOST MY WALLET AROUND THAT TIME HOWEVER I ORDERED A NEW SOCIAL SECURITY CARD AND ID. I AM CERTAIN SOMEONE TRIED TO RUN MY CREDIT AND/OR USE MY NAME. I DO NOT HAVE AN ACCOUNT WITH ANY OF THESE FINANCIAL INSTITUTIONS. WHEN CHECKING XXXX I DID HAVE A FRAUD ALERT NOTIFICATION AND FROZE MY CREDIT. THERE WERE MULTIPLE CREDIT INQUIRES DONE WITHIN A 7 DAY TIME SPAN.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern and frustration regarding the emails I have been receiving from your bureaus, which incorrectly state that I am assisting credit repair companies. This is unequivocally false. I am the individual responsible for sending out my own letters.

I request that you take immediate action to rectify this situation. Failure to address this issue promptly will leave me no choice but to consider legal action.

Additionally, I have attached a list of negative accounts and inquiries that I would like to be removed from my credit report. 

XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$65.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$860.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$700.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer report and noticed one late payment on an account for which I have never been late. Consumer reporting agencies play a crucial role in accurately reporting consumer information. I have never missed a payment for the account mentioned in my complaint dated XX/XX/. Please investigate and provide evidence, such as statements, demonstrating these alleged late payments. If no proof can be provided, I request that these payments be updated to reflect that they were paid as agreed and on time, as I have always been punctual. Thank you! Please find the attached screenshot.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have tried to resolve this issue with EQUIFAX for a while now but it is no resolution. I had provided some required documents that they have wanted for a week now and everytime i call they are always asking for THE DOCUMENTS THAT i already provided they have not added that to my account. in addition, they are failing to let my login to MY EQUIFAX account to see my information it always give me an error message stating to call customer care. i have been dealing with this issue for 3 days now and it still has not been fixed. this is the worst company ever which needs to be investigated every consumer has an issue with EQUIFAX and this is getting ridiculous.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections / charge off were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.
Product: Credit reporting or other personal consumer reports

NO ACTION TAKEN PER. 15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. 

( A ) credit or insurance to be used primarily for personal, family, or household purposes. ( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

I SUMITTED MULTIPLE DISPUTES COMPANY REFUSE TO REMOVE EVEN AFTER UPLOAIDING EVIDENCE PER IRS TRANSCRIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter I received from XXXX XXXX reflecting the rights they have to share my personal information regarding Loan # XXXX. This was a fraudulent loan and XXXX  XXXX  did not even have permissible purpose to access my private information. See incomplete application that was used to access my credit report one day after credit was pulled. So now sharing my personal information now adds insult to injury. I called the number on the letter and was informed the letters went out by mistake?????????? What other mistakes is XXXX XXXX XXXX XXXX making? According to the Fair Credit Reporting Act ( FCRA ), a national consumer credit reporting agency 's ( CRA ) role in the dispute process is to review the accuracy and completeness of any disputed item. I request the CRA to review the incomplete application that was not to be processed as was even reflected at the top of the application.
Product: Checking or savings account

Early warning systems and Chex systems saying that I have a Bank XXXX XXXX account and a XXXX XXXX account that is on my banking history that is stopping me from opening up any personal accounts creating hard ship in my life. I was sending out letters but they do not respond back! They are not following the right procedures. I sent in different letters and contacts the financial institution. Bank XXXX XXXX said they do not have any accounts on me! XXXX XXXX do not have any account information for me as well! 15 U.S. Code & 1692g - validation of debts. Within five days after the initial communication with consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report I noticed inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a " loan '' with XXXX processed on XX/XX/XXXX. 

I paid my first payment XX/XX/XXXX I paid late on my 2nd payment XX/XX/XXXX I paid my last payment on time XX/XX/XXXX. 

My credit report shows I never made a payment and still owe
Product: Money transfer, virtual currency, or money service

The company I worked for back in XXXX through XXXX gave out payroll checks and days later they would close the account or place stop payments on the checks. I have told Amscot to please get in contact with the owner of the company. It was his payroll check that he had issued. About once a week I get a harassing call demanding money from an Amscot associate. This employer did this to several employees. XXXX XXXX was the name of the company. XXXX XXXX is the name of the owner.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have charged {$590.00} for the entire time I have had the card. I have made {$540.00} so should only owe {$47.00}. I tried to do chargeback for lotion purchases that I thought were free from XXXX XXXX XXXX  and XXXX XXXX XXXX for ( {$110.00} + {$85.00} ) on XX/XX/XXXX. Citi advanced refunded me {$320.00} while investigating and then they said I couldn't do charge back because the company said it was too late to return. I am a XXXX year old female that has XXXX XXXX XXXX and forgot to ask my children how to return. Every other credit card company in the past will charge back if customer said they didn't want the product and trying to return except citicard. The people involved were hard to understand because I can't hear well and they don't speak clear English. They are predatororial to seniors and their limitations. I called them with my daughter XX/XX/XXXX, XXXX, and XX/XX/XXXX and was put on hold for 20 to 30 minutes waiting for a rep and then it just disconnects. When I do get one on the phone they confirmed they made mistakes and need to credit back my account but never did, then they charged me {$25.00} late fee when I was few days late thinking they credited my account like they said I shouldn't have a balance. I had no idea. They have violated almost every code there is for the consumers protection. My credit score is XXXX because I always pay off my debt completely and on time. I don't want to keep paying for things that I didn't purchase and they keep charging me even though I closed the account. Please have them resolve this for me asap and please charge them for their illegal charges to my account as well as using schemes to make it difficult for me to rectify.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated, they must be deleted from my credit report promptly, as required by the FCRA. 



Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

Portfolio Recovery is reporting a debt on my credit file I do not owe. I was not informed of this debt until I checked my credit. As soon as I learned about the debt, I called and settle it, a long time ago. I was not given any collection notices or phone calls regarding this debt, and this violates my 30 day right to dispute by law.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my [ XXXX, Equifax and XXXX ) credit report and I notice some late payments posted on my credit report : I Have Never been late on this Account XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you cant supply this please delete this alleged late payment from my credit report per 15 USC 168 1B.

Your company is in clear violation of the law. Under 15 USC 168 1B -permissible purpose of consumer reports. 
Delete the above late payments from my credit report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : Defamation of character Negligent Enablement of Identity fraud Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

my data was leaked through equifax and these account need to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report are in violation of Federal Law. You are required under the FCRA to have a copy of the creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance 15 USC 1681n if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. XXXX with account number XXXX XXXX with account number XXXX  XXXX XXXX XXXX with account number XXXXXXXX XXXX XXXX with account number XXXX In addition, Delete all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. 
Thank you, ''