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

XX/XX/year> Subject : Formal Complaint Against Equifax for Inaccurate Reporting of Late Payments on Account XXXX Dear CFPB, I am writing to formally lodge a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account associated with XXXXXXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction, including letters dated XX/XX/year> and XX/XX/year>, my requests have been ignored, and no changes have been made to address the inaccuracies. This failure constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations 15 U.S. Code 1681i : Requires that credit reporting agencies ensure the accuracy of information in consumer files. The failure to correct these inaccuracies after two formal disputes violates this mandate.

15 U.S. Code 1666b : Creditors are obligated to send periodic statements at least 21 days before the payment due date. The inaccurate reporting suggests noncompliance. 
TILA Violations The Truth in Lending Act emphasizes the necessity of accurate disclosures to consumers. The inaccurate reporting of late payments has damaged my creditworthiness, causing undue harm. 
Protection Against Non-Payment of Obligations Act ( PAANL ) This act underscores the responsibility of creditors to provide timely statements to prevent unfair penalties, which has not been upheld in this case. 
Desired Resolution I formally request the following actions : Immediate removal of the late payment notation from my credit report for the account with XXXXXXXX XXXX XXXX 
Written confirmation that the correction has been made. 
Failure to resolve this issue promptly will result in further escalation, including legal action and additional complaints filed with relevant oversight agencies. 
Thank you for your prompt attention to this matter. I look forward to your resolution within the legally required timeframe. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 



XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXX - IncorrectPersonal XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - IncorrectPersonal XXXX - IncorrectPersonal XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX  XXXX XXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX, and US DEPT ED XXXX have violated my rights 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. 

XXXX XXXX XXXX XXXX {$7600.00} XXXX XXXX XXXX {$970.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX   XXXX {$300.00}
Product: Debt collection

This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.
Product: Money transfer, virtual currency, or money service

I communicate with you by this means since I have been presenting certain problems for years with the company moneylion inc, they have on several occasions decided to close my account without any justification, even I sent them the documents required by them, specifically my XXXX  account presents a balance of {$22000.00} dollars, which have been withheld since XX/XX/2020, I need your help to be able to restore my account or be able to recover my funds without the injustice that this company commits with its users.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONCE AGAIN! EXPERIAN IS FALSELY REPRTING 2 XXXX XXXX BANK ACCOUNTS AND XXXX XXXX XXXX AS ITEM INCLUDED IN BANKRUPTCY I HAVE DISPUTED 11 TIMES WITHOUT CORRECTION ALL OTHERS DID A LONG TIME AGO.
Product: Debt collection

National credit debt in Georgia is the third party collection. I did not sign a contract. They need to remove that of my credit report asap which is damaging my credit report, since I already did a XXXX XXXXXXXX bankruptcy
Product: Debt collection

I am repeatedly being called by Nationwide Recovery. The preliminary call is a robo-call asking to return a call to XXXX. I have received these calls 1-2 times per week for several months. On 3 occasions I have called back to speak to a representative. In each case I have been informed that they have no debt associated with me. On one occasion I asked to speak to the supervisor. I was transferred to a voicemail and left a message explaining my situation and my concern that I was being harassed. I left contact information to get back to me to discuss my concerns. I was never contacted by the supervisor, however, the robo calls continue.
Product: Credit reporting or other personal consumer reports

Delete hard inquiries 

experian XXXX XXXX XXXX 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

Complaint Summary : " I am filing this complaint against XXXX, XXXX XXXX XXXX, and XXXX XXXX due to ongoing issues with inaccurate, unverified information on my credit report, despite multiple efforts to resolve these matters. Specifically, I am challenging TransUnions failure to act according to federal regulations concerning identity theft and fraudulent debt reporting. 

As mandated under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to follow strict guidelines regarding identity theft claims. According to the FCRA 's five-day rule, once a consumer submits an identity theft report ( such as an FTC affidavit ), the credit reporting agency must remove fraudulent accounts from the consumers report within XXXX business days if the items are disputed. I previously provided XXXX with an FTC affidavit detailing identity theft issues related to debts and accounts that do not belong to me, which were added to my report without my authorization. Although XXXX and Equifax promptly removed these fraudulent items following receipt of the FTC affidavit, XXXX has failed to do so, leaving these damaging records on my credit report unjustly. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ) imposes obligations on debt collectors to report only accurate information and prohibits deceptive or abusive practices. In this case, XXXX XXXX XXXX and XXXX XXXX have reported debts linked to an address I have never lived at, claiming utility use in my name at an abandoned property. These agencies refusal to correct false information after being notified constitutes a deceptive practice under FDCPA Sections 807 and 808. 

Further compounding this issue is a disputed loan still reported by Equifax despite active litigation over the loans legitimacy. By continuing to report this loan in the middle of an unresolved legal dispute, Equifax is jeopardizing my credit report 's accuracy and violating the FCRAs accuracy provisions. 

Despite my prior efforts to address these issues, XXXX has disregarded its legal obligations by not honoring my identity theft affidavit and not removing unverified debts. I am requesting that the CFPB investigate these ongoing violations by XXXX, XXXX XXXX XXXX, XXXX XXXX, and Equifax. I also request that the CFPB enforce corrective actions compelling these entities to immediately remove any unverifiable or disputed debts in compliance with FCRA and FDCPA standards. Additionally, I seek assurances that my consumer rights under these laws will be fully protected from further violations and extortionate practices. ''
Product: Credit card or prepaid card

On XX/XX/2017 I was making on online Walmart purchase when at checkout I was offered a {$35.00}. refund on any first purchase of {$75.00}. or more if I used the Walmart card. I applied only to get the {$35.00}. off - I do not need a credit card. I was transferred to Synchrony Bank ... who I told that I did not want their Mastercard ... I wanted a Walmart card. He said that I did not qualify and had to get the Synchrony which was the same as a Walmart card. It is not ; it is a Mastercard. Upon completion of the application process he says, your card will be mailed to you. I insisted, no, I need it right now in order to make my first purchase with the card in order to get the {$35.00}. He said, I can not give you the card # ; it must be mailed to you. I insisted again because I thought this was not what the offer online said, but he promised that this was the procedure and when I got the card, I was to use it and then I would get the {$35.00}. off. He was offensive and abrupt and unyielding. I was not pleased with this because we were about to leave on our annual XXXX trip to be gone for some months and quite frankly I was afraid that by the time we returned I would forget to use the card and get my discount. The card arrived in our forwarded mail some weeks later. I went to Walmart with the barcoded special discount that came with the card and welcome package and tried to use it to get the discount. The store said they had never seen this offer before but scanned it into their computer and told me that I would get this discounted off my credit card statement. I did not. I have done everything I can with both Synchrony and Walmart customer service in an effort to get them to honor this discount and they refuse. throughout the process I was never told that there would be a time limit of any kind. This advertisement may still be on the Walmart online shopping checkout. We are Seniors and feel that we have been taken severe advantage of.
Product: Checking or savings account

My account was charged twice for a rent payment and now I dont have access to my money the bank stole my money and I cant even eat today
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX  3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX   took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Debt collection

I am submitting this complaint on behalf of my client XXXX XXXX of XXXX XXXX, Oregon. The forgoing selections in " XXXX XXXX '' on your website do not fit and were selected only to advance the complaint process. My apologies. Here is a summary of the pressing problems. 

XXXX XXXX qualified for a 90-95 % financial assistance reduction for his medical bills on 2 applications in XXXX and XXXX. The medical provider is a nonprofit hospital, XXXX XXXX XXXX XXXX. 
His finances remained at approximately the same poverty level range during these years. But the hospital refused to process the reduction from his most recent application to all of his accounts since some were in collection, even though the law allows outside the ordinary application period and contains no collection exclusion. 26 CFR 1.501 ( r ) 1 ( b ) ( 3 ). 

He was sued by Carter Jones Collection Service , Inc. for approximately {$14000.00} in these uninsured medical bills incurred between XXXX and XXXX at a non-profit hospital, XXXX XXXX XXXX XXXX. However, XXXX XXXX from XXXX XXXX testified that XXXX XXXX does not have the agreement required by law with the XXXX XXXX before lawsuits against patients can be filed. See details about the necessary agreement here : 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). In the absence of this agreement, the lawsuit should never have been filed against XXXX XXXX. The lawsuit is a form of " extraordinary collection action '' ( " XXXX '' ) which is considered an XXXX of the hospital even if pursued by the collection agency. 26 CFR 1.501 ( r ) 6 ( a ) - ( b ). Here XXXX XXXX and XXXX continue to work together to collect these uninsured debts, even though it violates these laws. 

I have recently brought these matters to their attention and pointed out that XXXX XXXX enjoyment of non-profit status is premised upon compliance with these laws. 26 U.S.C. 501 ( c ) ( r ) ( 4 ) - ( 7 ) ; 26 CFR 1.501 ( r ) -6 ( c ) ( 10 ). But they refuse to dismiss the lawsuit despite my client 's requests even though their XXXX agreement with the XXXX allows them to take the accounts back at any time. Recently, XXXX XXXX has also delayed my client 's medical care which is another form of XXXX ( 26 CFR 1.501 ( r ) 6 ( b ) ( 1 ) ( iii ) ) that can not legally be taken under these circumstances. 

XXXX XXXX and XXXX XXXX continue to violate XXXX XXXX 's rights as well as their legal obligations arising out of the fact that these debts were incurred at a non-profit hospital by an uninsured individual who qualifies for financial assistance.
Product: Debt collection

I applied for Hardship for my mortgage. It is currently in forbearance until XXXX but in the meantime I have submitted my application for Hardship. The application and follow up requirements were provided to the credit analyst. However my case was closed without a credit decision being made. The credit analyst has not read or understood the information provided, actually they ignored the information provided and just worked on a checklist. My observation is that I was not given a fair resolution to the hardship application and they want me to start the process over again. The information provided including signed documents from me and the contributor, which is my spouse. The XXXX in charge of the case XXXX has also not read or understood the information provided and did not add any value to help the credit analyst in this scenario. I received a voicemail from the XXXX and within 24hrs she closed the case not giving time for me to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX XXXX account for months with no result. Not only that, XXXX and Transunion also refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

Got a call, lady was not upfront with who she was until after I confirmed my name. She actually stated she was with XXXX XXXX. I told her I was already in the midst of a dispute, and she decides to raise her tone, and said that I must pay the fine because I owed it ... .. again I am legally allowed to peruse a dispute, and I do not need to be harassed into a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau : Experian refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : New Address : XXXX XXXX XXXXXXXX XXXX XXXX, Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Credit Bureau : XXXX refuses to update personal information after sending required information - refuses to update address and remove past address in which I can not possibly retrieve mail from ... this could potentially lead to future identity fraud : Correct Address : XXXX XXXX XXXX XXXXXXXX XXXX Ma. XXXX ( all mail goes to this address ) Incorrect Address : XXXX XXXX XXXX XXXX XXXX, Ma. XXXX Correct Name : XXXX XXXX XXXX Names incorrect : XXXX XXXX XXXX
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. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX 1 XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Consumer Loan

I have a car loan with santander consumer USA. I have had my car loan since XX/XX/XXXX. I have been paying ontime until i lost my job. I called santander and notified them of my job lost. Some of their representatives were very rude and did not offer much help or options. I was never offered a lower payment plan or forberance. All they wante dwas their money. The company claimjed they tried to call me several times which i never received calls fron them. They repossessed my car without notice no mail no phone call and on the weekend. I have been trying to work with them and all they are is rude and would not work with me.My experience with santander has been awful.This has been an expereince from XXXX. they knew I had lost my job. I did not have an issue with paying them, I was trying and have been trying to work with them.
Product: Student loan

I received a letter dated XX/XX/23 from MOHELA that my student loan met the XXXX requirements and loans were forgiven. I was also alerted to a credit that I would receive of {$1500.00}. 

As of XX/XX/23, I had not received the credit. I contacted MOHELA. 

They said a check would be sent by the Treasury within XXXX business days. Today marks the 90 days, and I have not received my check.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX Balance {$37000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Balance {$3500.00}, Dept of Ed/XXXX Balance {$5500.00}, Dept of EdXXXX Balance {$3700.00}, Dept of Ed/XXXX Balance {$2600.00}, Dept of Ed/XXXX Balance {$1700.00}, Dept of Ed/XXXX Balance {$1700.00}, Dept of Ed/XXXX Balance {$1600.00}, Dept of EdXXXX Balance {$2100.00}, Dept of EdXXXX Balance {$2000.00}, XXXX XXXX XXXX Balance {$800.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$590.00} XX/XX/year> 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.