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

On XX/XX/2021, a debt collection was reported to my Equifax credit report by a collection agency seeking to collect a debt from an insurance provider. I had never held an account with the insurance provider. Upon reporting potential fraud on this account to the insurance provider, their fraud department determined that this debt belong to another person who shares my same First & Last Name, same Date of Birth, but with DIFFERENT Middle Name ( and thus different middle initial ), did NOT provide ANY Social Security Number, has a different Drivers License Number and who lives in the same State but at an address that has never been linked to accounts or credit under my name, an insurance policy on a car that I have never owned. Yet just because the First Name, Last Name, State and DOB matched, that was enough for Equifax 's system to permit a collection agency to place this debt to my credit file. After mant calls and letters sent to the insurance company, the debt collector and Equifax, I was able to successfully remove it from my account, but it is time and stress I will never get back. My expectation was that Equifax would require vital info such as Social Security Number, Drivers License, correct Full Name, address etc to properly verified before letting any issuer pull my credit or any debt collector place a collection on my file. The burden of proof should be place on the issuer or collector to sufficient information to identify the CORRECT person and prove the account or debt belongs to them. 

Months after this incident, Equifax yet again permitted an issuer to pull a hard inquiry on my credit file and an account was almost opened if not for MY intervention calling the issuer to report fraud upon receiving a credit monitoring alert about the inquiry. In this second incident, only First Name, Last Name, City, State and Zipcode match, nothing else. No social provided, different Drivers License, different DOB, different StreeXXXX Name and House Number, different phone number, different email address. I included more details on this matter in a separate complaint. 

Equifax must improve their policies & procedures, make sure issuers and debt collectors need to provide sufficient info to fully verify the true owner of the account or debt, and make it impossible for a issuer or debt collector to change a credit file with just a matching name and state, or name and DOB. At least a social security or license number should be a minimum, plus a cross reference with existing credit file info to see if address phone number etc matches. If insufficient info is provided, Equifax system should cause an error on the reporting system side to alert the issuer or collector to enter additional info to properly verify the true owner. Randomly assigning it to someone else with simply the same name should not be permitted.
Product: Debt collection

I explained several times not to call to my place of work and they keep calling and is causing me problems.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the deletion of a specific account from my credit report with TransUnion Consumer Solutions due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX Creditor Name : XXXX XXXX  Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right.

Supporting Case Law : In Cortez v. Trans Union, LLC ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer -provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a report ( XXXX ) to Equifax Information Services regarding unauthorized accounts being furnished to my consumer report. Under 15 USC 1681c-2 ( a ) Equifax was required to block and delete information related to these accounts " ... not later than four business days after the date of receipt by such agency of- ''. 

I received an email from CFPB on XX/XX/2022 at XXXX ( XXXX ) stating it had sent Equifax my complaint for a response. I provided the required documents, pursuant to 15 USC 1681c-2 ( 1 ) ( 2 ) ( 3 ) and ( 4 ) and they have not yet removed these items from my consumer report. Today is day 6 ( business day ). This is a violation of my rights as a consumer under Federal law 15 USC 1681c-2 ( a ).
Product: Mortgage

I received time sensitive documents to initiate the modification of my mortgage to avoid foreclosure. It was approved in XX/XX/2019 and I have paid the monthly amount as per the contractual obligation but Santander Bank has been applying my payments wrongly and unjustly. They receive the monthly amount as agreed but continuously claim I owe them for a difference. I am having a hard time understanding how they receive and apply tendered payments. My monthly mortgage amount is {$1200.00} and each month Ive been tendering {$1200.00} to account for the mortgage payments for XXXX, XXXX, and XXXX XXXX Mortgage but despite such they have applied {$1100.00} of what was tendered by me. I have questioned this and placed a complaint through their research department and have written letters to address my concern but they have not clarified my misunderstanding and uncertainty regarding this loan. Please help as I recently modified this loan to avoid foreclosure proceedings and I feel concerned about their practices and their impartiality given such acts. Please help!!!! XXXX or XXXX.
Product: Credit reporting or other personal consumer reports

I sent out letters disputing all items in my credit file XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX on XX/XX/XXXX also to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, and Also to Experian XXXX XXXX XXXX XXXX, TX XXXX .... All Accounts on these credit reports, No actions were taken as was a victim of fraud and unfair credit reporting under XXXX XXXX XXXX, and was involved in the recent credit Breach. 
XXXX XXXX XXXX and a bal. of {$3400.00}, XXXX XXXX XXXX  XXXX bal. of {$540.00}, XXXX XXXX XXXX XXXX bal. of {$390.00}, XXXX XXXX XXXX XXXX. OF {$780.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - Balance - {$7900.00} DEPT OF EDUCATION/NELN-900000XXXXXXXXX-Balance - Date opened XX/XX/XXXX DEPT OF ED/NELNET-900000XXXXXXXXX-Balance - Date opened XX/XX/XXXX DEPT OF EDUCATION/XXXX- XXXX Balance - Date opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several complaints against XXXX XXXX XXXX for the same issue. They admit that payments are falsely reported as late and then they correct it when I file a complaint only to go back and add the same information back to my credit report at a later date. This was just corrected on XXXX and then on XXXX they add the negative information back to my credit report again.
Product: Credit card or prepaid card

To my knowledge, I was never late on my Chase credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX and 60 days late in XX/XX/XXXX, which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount.
Product: Debt collection

Someone, unknown to me, purchased from XXXX 's XXXX XXXX. In the process of their purchase, my cell phone number was given or was entered incorrectly in XXXX 's system. I have verified with XXXX 's customer service that the account in question is not in my name nor did I cosign for it. XXXX 's turned the account ( with my cell phone number ) to collection via Automated Collection Services , Inc . 
ACSI has contacted me by text eleven times asking for contact. I have written them twice attempting to correct it and have ACSI stop contacting me. ( Please see the attachment. ) ( 1 ) I do not owe a debt to XXXX 's XXXX nor ACSI. 
( 2 ) I have requested them to stop contacting me. This has not occurred.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>. I sent a letter to XXXX, XXXX and Transunion regarding inaccurate information reported on my credit report. As of today, I have not received any response from any of the agencies. I request this account be permanently deleted as it violates my rights by continually reporting inaccurate information that does not match the records of other consumer reporting agencies. This situation is extremely frustrating. Despite my efforts to contact you to investigate and provide proof of validation, I have not received any response or validation. \
Product: Credit reporting or other personal consumer reports

I have been severely impacted by Equifaxs noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Equifaxs improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XX/XX/XXXX, citing Equifaxs failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Equifaxs actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities. 
Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( Unauthorized ) Additionally, I requests the deletion of the following incorrect addresses from my credit report : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX, GA XXXX Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation. 
A copy of the CFPBs lawsuit against Equifax is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated 30-day period. If Equifax fails to take corrective action, we will pursue all available legal remedies to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whow This may Concern ; I decided to check my credit and i notice that my scores was down, so i look futher into the the situation and i notice that there are Accounts that i did not Authorize on my credit which i cant understand so this report is to help me reslove this matter
Product: Credit reporting or other personal consumer reports

Personal information is wrong Everything on my credit needs to be deleted
Product: Credit reporting or other personal consumer reports

I found errors on my credit report showing unpaid loans and more, leading to my car loan application being denied. These inaccurate credit reporting on your end are causing me a lot of stress and uncertainty about my ability to use credit for essential purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items that needs attention to be delete in my personal file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Vehicle loan or lease

Attempted to get pink slip at DMV. I was told that they could not provide the pink slip because Wells Fargo still showed themselves as lien holder. They communicated that Wells Fargo had to release the lien by computer. This is the second time I have reached out to Wells Fargo with no success. I am trying to sell vehicle but am being held back by Wells Fargo bank
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Inquiries : XXXX These lenders have accessed your credit file : XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX OF XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX NA Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Bankruptcy chapter XXXX Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Has violated my rights. I looked at my credit report XXXX XXXX and noticed all the inaccurate information. And according to the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow resonable procedures to assure maximum possibe accuracy of the information concerning the individual about whom the report relates according to 15USC 1681 ( e ) ( b ). And according 15 USC 1681i 5 they are supposed to do this ( 5 ) treament of inaccurate or unverifable information. ( A ) In general if after any investigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information from the file of the consumer or modify that item of information is found to be inaccurate or complete or can not be verified, the consumer reporting agency shall ( 1 ) promtley delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the investigation and ( 2 ) promptly notify the furnisher of that information that the information has been modifed or deleted from the file of the consumer. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Product: Credit card or prepaid card

My payment is due today. So went online and made a payment but it would not let me select todays date ( XX/XX/XXXX ). Instead even though I am paying today and my due date is today the first date I could choose is tomorrow XX/XX/XXXX. I was charged as late fee even though I paid on the day it is due. 
When I called Capital One they told me I had to pay before XXXX. I asked them to waive the late fee because I paid on the due date but they would not. If my payment date is today and I will paid today I dont think I should be charged a late fee.