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. 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 ), 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 XXXX XXXX XXXX XXXXXXXX ) 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 account that I have marked inaccurate XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I mailed all required documents and a letter requesting that Protected Consumer Freezes be placed on my XXXX childrens ' social security numbers. We have no reason to believe their credit has been used but want to prevent this from happening. XXXX  and XXXX   mailed letters in XXXX saying that the Freezes had been placed. Equifax mailed 4 letters dated XX/XX/2018, saying they were unable to locate my childrens credit files and generally advising me to mail in the documents I already sent them if I thought my childrens credit has been stolen. I have spent a couple hours on the phone, the last being today XX/XX/18, being bumped or given phones numbers for various departments within Equifax trying to find the correct department without any progress. I am at a loss of what to do next as I feel it was a big security risk to mail all my childrens identifying information at one time to begin with, and then Equifax can not find these documents and are suggesting that I resend them. No one at Equifax seems to know anything. Can you help? This shouldnt be hard to protect my childrens credit with a company the Government makes me beholden to. 
Thank you for your help.
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 confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  and XXXX XXXX XXXX. 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 an 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 or other personal consumer reports

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am XXXX, I request reasonable accommodation to submit past due medical bills to my insurer ( medacare/XXXX ) I can not understand the process, please inform my debtors to submit a bill to my insurance company directly, not me, and to remove the debt from my report
Product: Credit reporting or other personal consumer reports

I received an email on XX/XX/XXXX, thanking me for my credit card application, then an another email requesting additional information. I received an alert from XXXX and called number on alert and the question that ask was what was my SSN #, I refused and they stated thats the only way to locate loan information. I called XXXX XXXX and place a freeze on my accounts. XXXX was unable to remove the inquiry unless I get a letter from JPMCB. And told to file a report with you. 

I would like JPMCB to be notified of this fraud and a mail me a letter stating such so I can have inquiries removed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against the major credit reporting agencies ( XXXX, XXXX, and XXXX ) for their failure to remove negative information from my credit report after being notified that my personal information was compromised in a significant data breach. 
Description of the Issue : My personal information was exposed by a malicious actor gaining access to National Public Data systems and releasing data onto the dark web, primarily occurring between XXXX and summer of XXXX  resulting in a National Data Breach that affected millions of consumers as well as myself.. 
Ive sent formal written notification to all three credit bureaus informing them of this breach and requesting the removal of negative information potentially resulting from this compromise. 
As of today 's date, the credit bureaus have failed to take appropriate action to remove this information, despite their obligation to ensure accuracy in credit reporting under the Fair Credit Reporting Act ( FCPA ).

Specific Actions Taken : Sent notification letters via certified mail/return receipt Received confirmation of delivery Followed up with the credit bureaus Reviewed my credit reports and found the disputed information is still present Impact of Their Inaction : negative impacts denied credit with companies I do not do business with Declines in my credit score Charge-offs that Inconsistent reporting statements Reporting Errors across each bureau Requested Resolution : Immediate removal of all negative information potentially connected to the data breach Investigation into why proper action wasn't taken after initial notification Correction of all affected credit reports Compensation for any damages incurred due to their negligence I request that the CFPB investigate this matter and ensure the credit reporting agencies fulfill their obligations under the FCRA. Their failure to act has caused significant harm to my financial standing and creditworthiness.

Thank you for your attention to this matter. I look forward to hearing back from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AFNI ( Original Creditor : XXXX XXXX ) XXXX ... XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

Reported balance {$19000.00} Bureau XXXX  Account status Open Opened XX/XX/year> Type Auto loan Term 77 months ( 6 years )
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian, XXXX, and Equifax for repeatedly re-inserting inaccurate information on my credit report without providing the legally required five-day prior notification, as outlined in 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ). 

I have disputed this information multiple times with Experian, and both XXXX and Equifax have previously deleted the inaccurate items, only to have them reappear on my credit report without proper notice. This has caused undue harm to my creditworthiness and financial stability
Product: Student loan

Navient fails to properly send me emails about my loans and informs me about repayment options and deadlines. Even when a process of repayment get thru, they cancel it a few months later, without notice and notified me, then come back with an higher payment with underlining treats to report me to credit bureau or garnishing entities. They do send emails to mandate me to pay but no email informing me of my rights under the federal law.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This is a formal notification regarding fraudulent activity on my credit report. The following accounts, collections, and inquiries are not authorized and must be addressed immediately : Fraudulent Collection XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Reported : XX/XX/XXXX Fraudulent Account XXXX XXXX XXXX Account XXXX XXXX XXXX Fraudulent Inquiries XXXX. XXXX ( XXXX XXXX XXXX, XXXX, PA XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ) Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX  XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, AR XXXX ) Date : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX I pray immediate removal of these fraudulent entries. Please confirm receipt and provide updates regarding resolution within 30 days. 

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

MISSING INFORMATION I CANT DISPUTE WAS ISN'T THERE XXXX.
Product: Mortgage

I continuously receive junk mail from Stonebridge Lending Inc. in XXXX, CA in official envelopes. The envelope reads " URGENT DELIVERY DATED MATERIAL IMMEDIATE RESPONSE '' and that it is from the " Office of XXXX XXXX XXXX, Confidential Documents ''. That tells me it is important mail from the government, so when I open it up and see its nothing but ANOTHER VA refinance, then I am annoyed. I called the company and they wont return my calls. When I complained to another company, they told me to report them to the VA. The VA told me to submit a complaint here. You CAN NOT send people mail in envelopes addressed like this, I 'm pretty sure that is illegal. Thank you for your time.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in addressing the removal of certain fraudulent entries in my file attributed to an alleged identity theft. However, some items still remain unresolved and necessitate removal. This marks my second communication as a victim of identity theft, wherein I contest specific entries in my file resulting from the aforementioned crime. The items subject to dispute are not linked to any transactions involving the acquisition of goods, services, or authorized monetary transactions. Please eliminate the reporting of the following items in my credit file resulting from an alleged identity theft. Additionally, I have included my new FTC report numbers : # XXXX and # XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance - XXXX XXXX XXXX ( Original XXXX XXXX XXXX # XXXX ) XXXX Balance {$950.00} Bankruptcy XXXX XXXX Filed on : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$950.00} XXXX XXXXXXXX ( Original XXXX : XXXX XXXX ) XXXX Balance {$20000.00} XXXX XXXX bankruptcy XXXX Filed on : XX/XX/XXXXXXXX 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

There have been XXXX instances in the past XXXX months where Volkswagen Credit has incorrectly reported me 30 days past due. I always pay online, or through the XXXX both times I was reported late was because their systems were down due to maintenance. I have contacted them both times and made them fully aware that I could not make my payments due to their systems being down. They did not acknowledge my complaints and would not correct my payments being late. This is a direct violation against FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX Balance Owed : {$6600.00} CXXXX 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

My direct student loan accounts were in a defaulted status at the beginning of the year and my XX/XX/XXXX income tax refund was intercepted on XX/XX/XXXX to pay off the defaulted student loans. However, the accounts are still reflecting as seriously past due on each of my credit reports and the credit bureaus have not been willing to correct this information.My dispute letters were sent out on XX/XX/XXXX and no updates reflecting the account as current have been made
Product: Credit reporting

This account does not belong to me. I reside in XXXX and it stating this account was for gas services in XXXX XXXX XXXX. I disputed this with XXXX and Equifax and it was only updated and I was not provided with any information on how this debt was validated. I want this investigated and removed from my credit report.
Product: Checking or savings account

Capital One BillPayer failed to deliver two property tax payments by the promised date that were intended to go to my local government. 

In early XX/XX/XXXX I configured two property tax payments for two properties I am responsible for. These were scheduled using the Capital One BillPayer system which specifies a " send on '' and " deliver by '' date. Both were due to be delivered well before the due date of XX/XX/XXXX. XXXX XXXX reported both as a week late and charged me a late fee for both - {$59.00} for one, {$49.00} for the other. 

I filed a claim online with Capital One and after several weeks of back and forth they said they sent the payments when promised but they are not responsible for delivering them by the date promised nor could they tell me when they were actually delivered. I also went into the local XXXX, Maryland branch and was promised an investigation that would reveal the actual delivery date but after two weeks can not contact the Branch manager who was supposedly working on this for me. 

Attaching the BillPayer records indicating two payments were promised to be delivered before XX/XX/XXXX but they do also show the payments were processed in XX/XX/XXXX. 

There is a chance XXXX XXXX got the payments on or before XX/XX/XXXX but I have no way to prove that other than the Capital One BillPayer system saying they would deliver these payments before then. So I was charged and paid two late fees for something that I should not be responsible for. And Capital One is basically ignoring me. 

Your assistance will be greatly appreciated.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, XXXX XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$31000.00} AUTO {$12000.00} XXXX - {$8600.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX {$5000.00} REV {$3900.00} - {$3900.00} XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} REV {$3400.00} - {$3400.00} XXXX XXXX XXXX XXXX CHARGE OFF XP/TU Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$3300.00} OPEN {$3300.00} XXXX {$3300.00} {$3300.00} XXXX COLLECTION XP/TU XXXX XXXX XXXX XXXX XXXX XXXX -- / -- {$340.00} COLL {$340.00} XXXX - {$340.00} XXXX XXXX XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an acct with PNC bank based on its promotion that I would receive {$400.00} bonus. After opening the acct online, I called the bank and a male rep confirmed that I was eligible for the bonus and the bonus would arrive in a few months. However, the bonus did not arrive. In the phone call on XX/XX/XXXX, female rep said that there was a 24 months bonus requirement. I had no idea about the requirement when opening the acct. The male rep did not mention the requirement and confirmed my eligibility for the bonus. The female rep can not find the requirement to show me. The {$5000.00} deposit was a direct deposit income from my employer ACCT via another bank. 

I request PNC bank to keep its promise and give me the {$400.00}.
Product: Credit reporting or other personal consumer reports

XXXX, company is violating my consumer rights to privacy, specifically referencing 18 U.S.C. 8 and 15 U.S.C. 1681b ( 2 ), they are also reporting information without your permission, citing 15 U.S.C. 1681 ( 4 ) Also reporting inaccuracy, I do not own the vehicle, the vehicle is destroyed, the company was sold. XXXX XXXX shouldnt be reporting this and immediately remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance : {$93.00}.