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 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 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. 16811, 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. 2025-CFPB-0002 ) 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 marked as inaccurate : Collection Agency XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Theyre trying to collect {$8900.00} from me on an account that was closed two years ago. They didnt even serve me they just left the papers at my house. Theyre based in Texas and suing me at a court in California! They were already raided by the FBI once but I see theyre back to their slimey ways
Product: Credit card or prepaid card

I opened XXXX credit cards with XXXX XXXX and XXXX XXXX connected with synchrony bank. I reported fraud on both credit cards and no credit and correction has been done on either card account. I want both cards accounts closed immediately. Someone hacked into both accounts and the bank allowed a address change which I did not authorize on the credit account. The customer service is rude and allowing this fraud to happen to me and not taking my honest word for the coruption to my accounts. I want both accounts closed and XXXX balance due to their negligence for resolving this fraud. They need to explain to me that i made any purchases since the cards were opened. If it is not resolved soon then I will continue to report misconduct on behalf of the bank for allowing this and having no security for custmers.
Product: Credit reporting or other personal consumer reports

Request for Removal of Personal Information Due to Domestic Abuse, Identity Theft, and Safety Concerns. 

Transition, Experian, XXXX and other reporting agencies. 

I am writing to urgently request the removal of all addresses and phone numbers associated with my credit report due to the following reasons : XXXX XXXX  : As a XXXX XXXX XXXX XXXX, the presence of my personal information in your records significantly endangers my safety. The XXXX  may use this information to locate me, which places me at imminent risk of further harm. 

Identity Theft : I have been a victim of identity theft, and my personal data being accessible increases the chances of further fraudulent activities that could cause severe financial damage. 

Safety Concerns : The retention of my personal information by XXXX, Experian, and XXXX and other reporting agencies compromises my safety and privacy. Given the circumstances, it is imperative that my data be removed to prevent any further threats. 

I request that you take immediate action to remove all addresses and phone numbers from my credit report. Please confirm in writing once these details have been successfully removed. 

Thank you for your prompt attention to this critical matter. I appreciate your understanding and cooperation in ensuring my safety and well-being.
Product: Credit reporting or other personal consumer reports

I paid my loan in full and requested data showing that the loan was in fact paid in full. I received the data showing the loan as paid in full, however, the credit reporting data was not updated to reflect that. I contacted XXXX and spoke with Supervisor # XXXX who stated that they were reporting paid in full status yet my credit report does not reflect what they claim they are reporting. I have been working with Experian to try and resolve this issue with no success. Experian states they report what is reported to them, as a consumer between an organization like XXXX who states they are transitioning loans and have delays and other problems and Experian who states they can only post what they receive. I am left with an account on my credit report that shows a balance due while I have data that shows the account as paid in full and the two agencies can not seem to correct my credit report. Please advise.
Product: Mortgage

Green Planet never changed the status of my foreclosure on my home to reflect it was closed until my employer informed me in XXXX XXXX that my job was in jeopardy due to this discrepancy. I contacted Green Planet in XXXX XXXX after my home was officially no longer mine as of XXXX XXXX to dispute that I still owed a debt for this home. I disputed the status of the foreclosure, which finally lead them to close it in XXXX XXXX. I am currently trying to purchase a home and have been denied by the underwriter due to the incorrect closing date of the foreclosure. It currently reflects XXXX XXXX, however it needs to reflect the correct date of XXXX XXXX.
Product: Bank account or service

I have been trying to get a statement from my Direct Express card for the year of XX/XX/2016 so I will be able to confront a medical insurance provider of proof of payment of my premium.The only answer I receive from Direct Express is that I will receive that information in seven to ten business days. As of yet after repeated requests is nothing.
Product: Credit reporting or other personal consumer reports

I have noticed that there are items on my credit report that have resulted from fraud which I never benefitted from, this is unbelievable, my rights as a consumer is being violated. As a law-abiding citizen this is incredibly insulting. This is already reported to the Federal Trade Commission but they are not removed from my report which is causing me immense stress and anxiety.
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint on Experian, XXXX and XXXX about an item on my consumer report that, by law, should not be reported. These institutions are currently reporting an item, and I would like to address it. On XX/XX/XXXX, these companies reported a transaction as late. Per 15 USC 1681a, the law states ( 2 ) Exclusions : Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports containing information solely as to transactions or experiences between the consumer and the person making the report.

This means that my transactions or experiences with your company are excluded by law from my consumer report. I am requesting that this transaction or experience be deleted. By law, it is not required to report late payments and I am asking that XXXX, XXXX and Experian cite the specific law that requires them to report a transaction as a late payment. 

The only potential law that addresses late payments is **15 U.S. Code 1666b - Timing of Payments : ** ( 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 to ensure that each periodic statement, including the information required by **Section 1637 ( b ) ** of this title, is mailed or delivered to the consumer at least 21 days before the payment due date. 

I am requesting that Experian, XXXX and XXXX provide the tracking number for the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information required under Section 1637 ( b ). If they are unable to provide that information, this is a violation per the FCRA. 

Furthermore, I have attached documentation from XXXX XXXX confirming that they have sent a letter to the three bureaus to update the 30 days late payment on XX/XX/XXXX. They did not remove this late payment and update the payment history to reflect paid on time. I have attached the letter as well as an identification affidavit, drivers license, social security card and a utility bill in which all were mailed. 

I am formally requesting the deletion of all transactions marked as late on my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed my complaint on XX/XX/22, XXXX XXXX XXXXXXXX responded on XX/XX/22 which is four months later only to not send the verification of this alleged debt. Please not that this is not a request for validation or proof of mailing address but a request for VERIFICATION
Product: Credit reporting or other personal consumer reports

Thank you for removing the incorrect information regarding the bankruptcy that was reporting incorrectly on my credit report. In your response to my CFPB complaint number XXXX, you indicated, " PUBLIC RECORD : BANKRUPTCY THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. '' However, I am also requesting all accounts associated as included in the bankruptcy removed immediately. 

In addition, there were several other items I am requesting removed from my credit report. 
*My only phone number is XXXX. Please remove any other phone numbers listed, as they are incorrect. 

*Hard Inquiries : I am requesting the removal of the following unauthorized hard inquiries from my credit report I contacted the creditors directly and they have no records : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

*Name Variations : Please correct any name variations listed on my credit report to match the exact spelling on my drivers license and Social Security card : XXXX XXXX XXXX Remove the following incorrect variations : XXXX XXXX XXXX. 

If you claim this information is verified, I request that you provide the source of verification, including the name, address, and phone number of the verifying party. 

Lastly, I am requesting a complete, updated copy of my credit report be sent to me via U.S. mail once these corrections have been made. Thank you for addressing all of these inaccuracies promptly.
Product: Debt collection

Attached you will find a copy of the check written on XXXX/XXXX/15 to XXXX XXXX XXXX which also shows clearing my bank account on XXXX/XXXX/15 for {$250.00}. Why am I still receiving harassing letters ( see attached dated XXXX/XXXX/15 ) along with a statement ( see attached ) showing a past due of {$250.00}? 

Universal Credit Services continues to say my complaint is without merit. They are attempting to collect on a debt that was paid several months ago which I provided documentation for. This is harassment and my next contact will be through my attorney. Why are collection agencies such as Universal Credit Services allowed to continued this type of activity?
Product: Debt collection

XX/XX/year> I received an email from advance.cash saying : You have been approved for a loan of {$1400.00}. You will have XXXX scheduled payments. Your first payment of {$140.00} is due on XX/XX/year>. 

I contacted Advance.cash told them that I did not apply for that loan. 

They told me to file a police report and send them the bank statement for XXXX XXXX showing transactions, and I did. 

They said they will investigate. 

And then I received this email XX/XX/XXXX saying : XXXX, It is with escalating concern that we contact you regarding your loan. The outstanding balance is {$2000.00}. We have made numerous attempts to communicate with you about this outstanding balance including phone calls, voice messages, emails and text messages, but you have failed to respond. 

And they never contacted me called me or left any voicemails. 

Right when I received an email XX/XX/XXXX I called them asking what is going on and if they can give me documentation for this fraudulent loan and the transactions of deposit and they said they will not.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to Experian that was received and signed for on XX/XX/2023. It has passed the 30 day mark since receipt of the letter. This letter was in regard to the inaccuracy of your reporting. On XX/XX/2023, I sent a certified letter with a green return receipt via USPS to the address of the creditor XXXX XXXX  ) provided by your company. The mail came back undeliverable and enclosed is a scanned copy of the front and back of the envelope with the tracking numbers available along with proof that this address came from your companys consumer report. The letter was marked by USPS as undeliverable on XX/XX/2023. The presence of inaccurate information on my credit report is a direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in 15 USC 1681. The specific violations under the FCRA include 15 USC 1681e ( b ) and 15 USC 1681s-2. As a consumer, I am protected under 15 USC 1681i against inaccurate and unverifiable information being reported on my consumer report. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. I am requested a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681e ( b ). Furthermore, as per 15 USC 1681s-2, I requested that you promptly notify the data furnishers associated with the disputed information about my dispute and I have heard nothing back. They are providing inaccurate information and under 15 USC 1681s-2 they are prohibited by law to furnish information that they know is inaccurate or have reason to believe is inaccurate. It has been 30 days since receipt of the letter and there has been no response.

Attached : State ID and Bank statement showing proof of address, undeliverable mail from USPS, photo of Experian report with creditor address shown, and signed green return receipt
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Transunion, XXXX and XXXX to please not share my credit report for any reason without my signed authorization. I have not applied for credit lines, telephone services or promotional credit offers. While reviewing my credit reports with all three credit bureaus i learned these companies obtained a copy of my consumer reports without my authorization which has added over XXXX  credit inquires on my report that i did not authorize or express permission to share my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$510.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Owed : {$780.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called XX/XX/XXXX twice to kohls representatives twice. 

The first one was XXXX in a XXXX  call center. 

I supposedly owed XXXX dollars. When we got done talking, she said just have to pay the XXXX dollars and thats it and she will waive everything. She said she was gon na put it in the notes but never did. 

So I called back like 5-10 min later and talked to a guy from Texas call center and asked if she put that in the notes and he said no. 

So I told him to have his team review my account and also for someone to review my recorded phone call with XXXX from XXXX. 

I havent heard anything until I called them yesterday. I talked to XXXX ID # XXXX from XXXX. She told me she couldnt honor the what XXXX said due to false information on her part. 

So I asked for corporate number or someone talk to and she said sorry theres no above me. 

But I checked on XXXX and saw there is a corporate number. 

My complaint is they are scamming me by saying one thing and doing another.
Product: Debt collection

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Placed for collectionsXXXX Date updated : XX/XX/2020 Amt : {$870.00} Disputed : XX/XX/2020 XXXX : File # XXXX, dated XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Placed for collections : XX/XX/2020 Date updated : XX/XX/2020 XXXX Amt : {$870.00} XXXX Credit Reporting Agency : XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Acct Name : XXXX XXXX XXXX # XXXX XXXX : {$870.00} Disputed on XX/XX/202XXXX XXXX # XXXX On XX/XX/2020XXXX XXXX XXXX  XXXX, sent a letter of collections on the same XXXX account of {$870.00} offering to settle for XXXX XXXX of the outstanding balance or {$690.00}. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Mail to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX After disputing a collections account to both, XXXX and XXXX Credit Reporting Agencies, I received a response from XXXX XXXX XXXX XXXX, stating : " This debt is valid, attached is verification of the debt. 

Note : A partial bill encloses with the above response incorrectly states that the date of billing is XX/XX/XXXX- XX/XX/2020. As provided above, this debt collection goes beyond the XX/XX/2020 date as this debt collection had been in dispute before that above mentioned date. So the dates provided in XXXX XXXX is in error and should be removed on that standing alone. 

The amounts provided by XXXX are also in error, stating an amount of {$870.00} and not the original amount as provided in all of the above documented items. 

i am compelled to believe that XXXX XXXX is generating documents that have been fabricated and are falsified. 

I am a XXXX year old man with a XXXX XXXX, XXXX and XXXX XXXX XXXX on continued medication. I do not need to be focusing on continued deceptive debt collection practices. 

The response received from the debt collector appears to be fabricated, Dates are incorrect. No signature of contract. 

Please see if you can help me out on this matter. I am available at the below indicated cell phone number or at ( XXXX ) XXXX. My email is : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear sir/ma please come to my rescue i am one of the paxful trading platform users with username XXXX. i got a message on my email on the XXXX of XX/XX/2021 that my account on their platform which has XXXX btc inside has been frozen due to term of service violation that i should contact support which i did immediately. 

On the XXXX of XXXX i got another message that my account has been banned because it does not pass compliance review and my funds are available for withdrawal. 

Despite the fact that they said my funds are available for withdrawal they still did not give me option to send my funds out of the platform. All my effort to get in touch with them to release my funds since they already banned my remained unsuccessful. 

It is almost 5months already and still they refused to release my funds. this has infact caused alot of problems for me and my family because am still yet to repay some of my suppliers and even the value of the coin has lost almost 45 % in value. 

My account is fully verified with my voters card. i also used my local bank statement of account to verify my address. This is pure cheating. i don't know how on earth a company will block the account of their user and told him/her to withdraw his/her funds without giving the option to be able to withdraw it.
Product: Debt collection

Received a letter months after moving ... never heard from the original creditor which was a landlord ... I have written notice advising I was vacating premises at end of Lease
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. 2 ) In accordance with the written instructions per the consumer to whom it relates. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws