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

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Equifaxs gross negligence in investigating credit disputes. As a consumer, I have encountered severe issues with Equifaxs handling of disputes related to my credit report, leading to detrimental consequences on my financial well-being.

My experiences with Equifax have underscored a consistent failure to comply with federal laws, particularly the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies, such as Equifax, must conduct thorough and timely investigations into consumer disputes. Specific grievances include : 1. Failure to Verify Inaccurate Information : Despite raising concerns about inaccuracies on my credit report, Equifax consistently fails to verify the information in a timely manner. This failure has resulted in continued damage to my credit score and financial standing. 
2. Extended Response Times : Equifaxs investigations frequently exceed the stipulated 30-day timeframe as mandated by the FCRA. This delay has impacted my ability to secure credit, obtain loans, or make important financial decisions. 
3. Inadequate Communication : Equifaxs communication during the dispute process has been insufficient, leaving me in the dark about the status of my disputes and the actions taken. This lack of transparency compounds the frustration and confusion associated with the process. 
4. Repeated Neglect : My attempts to rectify these issues with Equifax have been met with inadequate responses, if any at all. Their negligence in addressing my concerns has further eroded my trust in the credit reporting system.

I believe that Equifaxs gross negligence in investigating credit disputes directly contravenes the FCRA and undermines the purpose of credit reporting agencies to provide accurate and reliable credit information to consumers and creditors alike.

I kindly request that the CFPB investigates these allegations against Equifax and takes appropriate action to ensure they adhere to federal laws and regulations. Moreover, I urge the CFPB to hold Equifax accountable for its failure to provide consumers with a fair, transparent, and efficient process for disputing credit information. 

The impact of Equifaxs negligence on my financial well-being is substantial, and I trust that the CFPB will take these concerns seriously to safeguard the rights of consumers like me. I would appreciate updates on the status of this complaint and any actions taken to address the issues raised herein.

Thank you for your attention to this matter and for your commitment to protecting consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX that the following account information is fraudulent WITH MY FTC report, yet they still have them on my credit report : XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity.

Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT, except as otherwise provided in this section A, in which a consumer reporting agency shall block the reporting of any information in the file of a consumer identifies as information resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS after the date of receipt by agency. 
I ask that you comply with the Federal Laws in place, and swiftly and permanently block the accounts, addresses, inquiries and other information that you are reporting listed on the Identity Theft Report List of Fraudulent Accounts. I am also requesting to be mailed a new credit report to my address of record above. 


Enclosures : a. Identity Theft Report b. List of Fraudulent Accounts on my Report c. FCRA Sections 605,609,6011 d. Proof of Identity To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate information on my credit report. I am writing to dispute fraudulent accounts opened without my consent. 
I did not open these accounts, nor did I give anyone authorization to do so. I am requesting that the accounts are removed and blocked. 
I am distressed that you have included the information attached in my credit profile and that you have 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. Every step must be taken to assure the information reported is completely accurate and correct. The attached information therefore needs to be investigated. 
I respectfully request to be provided with proof of these alleged items, specifically the contract, note or other instrument bearing my wet signature.
Product: Vehicle loan or lease

XX/XX/2023 I tried to use a consumer credit transaction at XXXX XXXX XXXX XXXX. from the moment I entered the dealership I felt discriminated against. I gave them my name social security number and signature for a XXXX car. I was denied because of the amount of income I wrote on the application. they also told me they would not run my credit which they did as well with out giving me an adverse decision letter.
Product: Credit reporting or other personal consumer reports

The following companies have violated my rights and the Fair Credit Reporting Act by reporting incorrect information on my credit report. 
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error - ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on these accounts. I demanded to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this was clearly a billing error. 
The items below should all be updated as agreed on my consumer report. 
also, The Consumer reporting agency has published defamatory and false statements of alleged facts to my consumer reports, and Doing so has caused and will continue to harm me and my standing. The information reported entails private personal information which they have no right to communicate or convey to anyone without my written consent pursuant to 15 USC 1692c ( a ). 

XXXX XXXX Account number XXXX late payment XX/XX/XXXX, XXXX Account number XXXX late payment XX/XX/XXXXXXXX XXXX  Account number XXXX late payment XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). I feel as if my privacy rights have been violated also. Correct these billing errors immediately
Product: Debt collection

Mother has put myself down as a co-sign with a bank credit card from XXXX XXXX Bank with intentions to help my credit in XXXX Credit card was closed out in years of XXXX by XXXXXXXX  XXXX Bank which we , my mother and I, made a phone call to them to make sure the credit card was closed with a XXXX balance. XXXX XXXX Bank has no documentation of this since its beyond a 3 months span. 

Midland Credit Management ( debt collector ) claims the card reopened and is attempting to collect a debt with the amount of {$2900.00}. Midland claimed a payment was made on XX/XX/19 for the amount of {$150.00} under my name. Midland was not able to provide accurate account information the payment came out of, along with purchases made when asked. 

Midland Credit pursued a civil summons attempting to collect the debt in the month of XXXX. I have taken action and responded back to Midland that I do not owe/unaware of this debt which may be the result of a fraudulent attempt with my information by another individual. 

I did not reopen the XXXX XXXX Bank card, I do not owe the amount of {$2900.00} to Midland Credit Management nor XXXX XXXX Bank, and have not made any payments towards the amount listed above on a bank card from issued by XXXX XXXX Bank. There is no evidence that the payment came from my current nor previous bank statements dating back to the time of this claim.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX received via certified mail my letter to OPT OUT of future reporting of my account transaction as they are illegal to be reported per 15 USC 1681a ( 2 ) ( a ) ( i ). XXXX XXXX XXXX XXXXXXXX responded with an acceptance of my opt out. 
This morning they reported Transactions History information they stated they would not as they accepted my OPT OUT.
Product: Consumer Loan

I went to XXXX XXXX with the intent to change the oil on my current car. I ended up speaking to a used car salesman and got swindled into purchasing the car in 2013. I was lied to about the fact that there was only XXXX owner, I was able to find this out through an old car title that was left in the vehicle and found out there were actually XXXX owners. I also asked several times about the price of the car and they would n't tell me. I really feel that the car salesman knew this and took advantage of me because of this. They would not show me any paperwork until it was time to sign everything. I know I was naive but I was also taken advantage of. The car price was ( which I later found out ) was way above the price it should have been, almost {$6000.00} and I was n't aware of all the fees until AFTER I signed the paperwork. This is unfair to the consumer, and this situation has made my first car buying experience a disaster. On top of that the brakes needed to be replaced and I was n't told anything about this, until I heard and FELT the brakes slipping. I brought the vehicle back to the shop, and they did repair the brakes. Although, I do have kids and the brakes were in such bad condition that I could have gotten into a car accident. I want other consumers to know this, because now I am left with an enormous car loan for a car that is n't even worth half of the loan that is remaining. I know I was naive, but I do feel that they lied to me and also took advantage of me knowing that this was the first time I bought a car. I feel that I should have been told the price up front, and also given the option to negotiate it. I also was lied to about how many owners the vehicle had. I feel that I was pressured and coerced into purchasing this vehicle. I wish I knew I could have put in a complaint a long time ago, but I just found out that this was even possible. I hope that something can be done, but at the very least I hope others can be educated on this topic by making this complaint, and to not buy a vehicle from XXXX XXXX.
Product: Student loan

A few issues : I raised my payment above the minimum, based upon my income in order to pay off the loan quicker. Navient, without notifying me or obtaining my consent returned my payment plan back to the minimum after a few months! Only after checking bank statements did I realize what had happened. When I call to try to increase my payment or make a bulk payment, Navient often denies that it 's possible to do so over the phone and often discourages me from raising my payment! This is predatory and if I did n't pay attention to what they do, I could easily be tricked by their company into years and years of additional payments.
Product: Payday loan, title loan, personal loan, or advance loan

I don't remember the exact year I took out the payday loan from XXXX XXXX. I believe it was around XXXX or XXXX, maybe later than that. I hired this company out of XXXXXXXX XXXX The representative was XXXX XXXX. According XXXX XXXX XXXX. They said they paid XXXX XXXX. XXXX XXXX XXXX, had me pay a company out of Oklahoma. I paid everything in full, and I went about my life. This past week I check my XXXX score, I saw that my credit score went from XXXX to XXXX. I immediately file a dispute with XXXX notifying them that XXXX XXXX was paid off through XXXX Since, I file the dispute with XXXX, the collection agency of VANCE & HUFFMAN, LLC that I saw on my credit report. I believe this collection is somewhere back on the XXXX XXXX. I believe, XXXX XXXX is trying to get more money than what was settled to them through XXXX The balance that they are trying to get is around {$350.00}. I will not pay anything to this collection company, because, I have not gotten a written letter in the mail. VANCE & HUFFMAN contacted the CREDIT BUREAUS, without notifying me by mail. I never got a letter of VALIDATION letter. I feel the collection agency VANCE & HUFFMAN violated the FAIR DEBT COLLECTION PRACTICES ACT. No one from the collection agency contacted me with a written validation letter, and this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 190 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  about Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about this fraudulent account that's reporting on my credit report. Wells Fargo never provided me with any documentation proving that this account is mine. I also provided an FTC Report and sent several certified letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been ongoing since XX/XX/2021 and current. Grain has lost connectivity mysteriously upon several occasions and indeed timely also to even create this entire long drawn out experience. Grain has also charged a 10 % fee before the small payment was reflected current. Which increased to an extra {$2.00} of inaccurate fee on a date that the new policy wasnt in effect. There has been numerous emails in correspondence with Grain yet at this present time would like to request an asking of forgiveness or relief of the inaccurate reporting of late delinquent derroragatory remarks prior and after the account was brought to positive good standing. Also a return of the security deposit in the amount of or equal to < {$200.00} returned to the linked checking account. The account password be reset and working properly and the updated information corrected with a reporting of closure of the account within and no later than 30 days from the date of this submission or whichever comes first. Thank you and I look forward to a favorable outcome.
Product: Mortgage

I sent a loss mitigation package and third party authorization to AmeriHome Mortgage by fax on XX/XX/2020. 

I called Amerihome Mortgage and spoke to XXXX XXXX on ID # XXXX on XX/XX/2020, who confirmed the loss mitigation package was received and was sitting in the mailroom in the financial inbox. She confirmed the package was received on XX/XX/2020. No letter was sent to the borrower and the file was not assigned to anyone. She told me would escalate the file and would have the file assigned and opened. 

I called Amerihome Mortgage on XX/XX/2020, and was on the phone for over an hour and spoke to Ms. XXXX ID # XXXX who also confirmed the loss mitigation package was received and not assigned. She spent the time on the phone with me and sent emails to the loss mitigation department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX on XX/XX/XXXX about them violating my rights as a consumer and committing fraud by reporting late payments to my account without my express written consent to do so. Their fraudulent activities are outlined pursuant to 15 USC 1692c ( b ) : Communication with third parties- Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX  XXXX had no prior consent from me, the consumer and natural person, to report these late payments, or the entire account for that matter, to my consumer report and they are in violation. 

Also, pursuant to Section 4021 of the Cares Act amends Section 623 ( a ) ( 1 ). of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ). Now, a furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or make other arrangements for its customers affected by Covid-19 should not report the account as delinquent, but should continue reporting it as current, unless the account was delinquent before the Covid-19 related deferral or modification, and has not been subsequently brought current. These new reporting requirements are retroactive to XX/XX/XXXX. All " late payments '' XXXX  XXXX posted on my consumer credit report were in the years XXXX, during the pandemic. They are in violation of the Cares Act by posting these late payments to my report while they had active Coranavirus Relief programs going for all of their customers. 


Furthermore, pursuant to 15 USC 1666 b ( 4 ) XXXX XXXX is in violation of my rights as a consumer. 15 USC 1666 b ( 4 ) states : Billing error - For the purpose of this section, a billing error consists of any of the following : The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. All statements have shown the amount due as positive but how can my payments be late when the balance shows as a positive and not a negative. They can't their statements prove that the " bill '' is already paid.
Product: Debt collection

This is on my credit reports. I sent them a letter XX/XX/2015. They have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX  XXXX I have been a victim of identity theft and I am writing to dispute the account information in my file. This account was a result of the identity theft and is not mine. 

You must be aware that the furnisher of my credit information is an unreliable source and that the informational items sent to you from the furnisher was inaccurate prior to you issuing my consumer disclosure. 

Block the account XXXX XXXX  XXXX from reporting to my consumer report because it is verified identity theft reported by the police. Included is the police report with the individual who stole my identity reported. 

Also included is my proof of ID ( Drivers license, social security card and utility bill )
Product: Vehicle loan or lease

Ive purchase a vehicle through credit acceptance corporation on XXXX, which is a XXXX XXXX  XXXX they were not clear and conspicous, in regards to 15 USC 1605, 1611. Ive requested Credit Acceptance to validate the debt Per 12 CFR 1006.34, which they have not within the time frame given by law. Which is five days from reciept of service. They are in violation of my consumer rights. From the initial communication I was not made aware of my rights as a consumer in regards to 15 USC 1605 " FINANCE CHARGE ''. They willingly and knowingly Violated my rights 15 USC 1611, and should be held liable civilly and criminally with a fine not to exceed the sum of {$5000.00}. Per 15 USC ALL charges are to be covered through finanace charge as stated in 15 USC 1605, So my insurance was to be included. I've been mislead, frauded, and abused beyond means.
Product: Mortgage

I have filed seven mortgage hardship applications the latest was XX/XX/XXXX. Flagstar bank has closed each application after I have submitted all documentation required. I have been attempting to get assistance with processing my application since the initial filing of hardship paperwork in XX/XX/XXXX. Each time I have called they have assured me the foreclosure process is not continuing, however I continue to receive foreclosure procedures and paperwork from their foreclosure attorney submitting motions to continue to foreclose on my home. I just received a document from attorney XXXX XXXX XXXX XXXX from their address of XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX  Florida XXXX. The paperwork I received from this attorney showed a motion to immediately foreclose on my home. I have researched Flagstar bank and found they have been liable in the past as earliest as XXXX and fined for the same exact thing thats occurring with me. They will not return my calls, and half the time I call them they say they can not talk to me and hang up on me. I do not know what else to do besides turning to the CFPB. This is not right. I have filed multiple hardship assistance packets and they closed all seven of them. Please help. They are not working with me and they are not processing my documents while stating they are and at the same time an attorney is filing motions in the court to foreclose on my home. Urgent help is needed. The y told me to upload my HOA fees and they would complete and process my loan hardship application and proceed with options to keep my home, I uploaded it on in XXXX they again closed my file. Please help.
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX this account and made it a charge off account. Then they started back charging me and continue to report on my account making my credit go down. They are reporting it as past due/negative marks. This is incorrect as this account was closed. I have disputed with the company along with all 3 credit bureaus, but they continue to say it is accurate and it is not.
Product: Credit reporting or other personal consumer reports

A data breach occurred at Equifax which I am a victim of. I have attached the confirmation of said breach which Equifax has admitted I was a victim of.