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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agency XXXX, Equifax, XXXX. dear credit reporting agency formal dispute regarding inaccurate information, I'm writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being I'm aware of my rights under the fair credit reporting act and request a thorough investigation into these inaccuracies, as required by federal law. recently the consumer financial protection bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing ''sham investigations ''and other unlawful practices .these practices. as outlined by the CFPB, include .conducting inadequate investigations that fault address consumer disputes properly .reinserting previously disputed and inaccurate information without explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed XXXX XXXX XXXX XXXX auto loan that was opened on XX/XX/XXXX. After dispute, credit score dropped 40 points and status of account went from from closed to open in XX/XX/XXXX. This happened again another 4-6 times since XXXX. Initiated another dispute on XX/XX/XXXX and credit score dropped another 56 points as of todays date related to account status changing from closed to open. Over the course of the last 7 months, my score has collectively decreased by greater than 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not provide me their method of investigation regarding an inaccurate bankruptcy XXXX on my credit report. Transunion rep XXXX XXXX stationed in XXXX continue to state to me that the vendor that reported the information has certified to Transunion that information is accurate. This is the response i was given on XX/XX/2018 when i contacted Transunion for support documents and contact/address information regarding validation of dispute as Transunion states under CFPB complaint # XXXX that they mailed a letter to the court house themselves and the court house, not a third party vendor provided verification of bankruptcy. This is contradicting as XXXX XXXX stated to me that a third party vendor verified accurately. I asked for method of verification once again and was told that Transunion does not provide this information. I asked again for supporting documents verifying information and once again was told there was none and would not provide me with third party information.Under federal law, any innacurrate or incomplete information must be deleted. I have contacted the court that is listed on the bankruptcy and they have advised they do not verify with credit bureaus and that bureau had to go through a third party agency for any information they have as they have not received a letter and if they did they would respond that they do not provide information to CRAs. This again is illegal as third party agencies are not the originator of this bankruptcy, the federal court is. Furthermore, Transunion continues to refuse me the third party information that they used to verify information on my report. I want this bankruptcy deleted as soon as possible. As the consumer I am entitled, under FCRA 611 ( a ) ( 7 ) to a description of the procedure used by the CRA, which must include the name, address, and phone number of any furnisher to which the dispute was sent. See FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. Also, I was told by ChexSystems representative that someone else name in connected to my social security number which is a result in identity theft. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXXXXXX XXXX XXXX XXXX XXXX Below is a copy of my supported documentation, I am the only consumer that should be attached to this number.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to to properly investigate my disputes regarding inaccuracies in my credit report.. despite my submissions XXXX response 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 XXXX actions may also contravene Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( XXXX XXXX. XXXX XXXX ) against them for similar violations.. I requested the CFPB to ensure XXXX complies with federal law and provide consumer with necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent multiple disputes to the companies & there are mistreating me with no answering my request & also lying about me not sending them the requirements to verify my identityI want them to immediately remove everything I requested on the dispute forms I sent them..they know that I am in the write and not following the laws to the fullest extent..please help my Handle this situation..I cant take it no more..I am willing to sue if the issue doesnt get resolved..Thakns
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent mail to all three bureaus to dispute some accounts that are inaccurate and erroneous and unknown and yet they still remain on my credit reports. Its been over 60 days and I have yet to receive a response. These companies are unfairly taken advantage of me as a consumer and on top of that I am being injured financially in a very horrible way during Covid. Section 611 ( a ), plainly states that a failure to investigate these items within 30 days gives reason for these items to be removed from my credit report. It has been over 60 days so they should be promptly removed. I demand these accounts be deleted immediately or I will file litigation for the stress you are continuing to cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
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. 

Account Name XXXX  Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name XXXX Account Number : XXXX and list of Inquiries. 

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 a 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

At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.
Product: Mortgage

On XX/XX/2022, sent and verified via Certified Mail, XXXX XXXX XXXX XXXX c/o Servicing received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a 5 day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the 5 day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request.
Product: Credit reporting or other personal consumer reports

Deletion for Failure to Investigate On XX/XX/year>, Equifax publicly disclosed a data breach involving the names and other personal data of Social Security recipients. Since this breach, Equifax has been responsible for investigating and disputing inaccurate or fraudulent information, ensuring compliance with all standards under the Fair Credit Reporting Act ( FCRA ). This includes adhering to regulations for data verification, data transmission, system validation, and dispute resolution. 
Despite this obligation, Equifax, through negligence and willful misconduct, has continuously failed to conduct proper investigations into disputes filed through the Consumer Financial Protection Bureau ( CFPB ), online channels, and mailed correspondence. The CFPB has documented instances where Equifax engaged in sham investigations, failing to adequately review consumer disputes and, in some cases, even reinserting previously deleted inaccurate information into consumer credit files. This pattern of negligence is evident within my personal credit file, where multiple disputes have been ignored, and required proof for deletions was disregarded. 
Equifax was provided deletion documentation from both XXXX and XXXX but refused to take corrective action. The following accounts were officially removed by other credit bureaus yet remain improperly listed by Equifax : ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXXXXXX to 15 U.S.C. 1681i ( FCRA 611 ), Equifax has failed to properly review the provided information and has not offered any explanation for why fraudulent accounts remain on my Equifax report after removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
This dispute has remained unresolved for over XXXX years without proper validation or investigation. As such, these accounts must be immediately deleted, and all associations between my personal information and these fraudulent entries must be permanently removed. 
Final Demand This is not a request for review or modification. My rights have already been violated, and I have suffered financial and emotional hardship as a result. The only acceptable resolution is the immediate deletion of these accounts, with an official deletion letter sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX, United States This action must be completed within 10 days. Failure to comply will require a detailed explanation from the XXXX assigned to my case, including full disclosure of the investigative process conducted. Any further failure to act in accordance with FCRA and CFPB regulations will result in legal consequences, with the responsible XXXX held personally accountable for financial and emotional damages incurred. 
XXXX compliance is required. 

XXXX has already been deleted and flag as fraud but malpractice has allowed for the issues to persist. This account calling with ACCOUNT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Should all be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT ED is currently in violation of many of my FCRA & FDCPA rights! they are currently reporting inaccuracies to my consumer credit report ruining my reputation to have access to credit. The are reporting a violated account with many inaccuracies & violations pass the statue of 7 years which is also a violation. I will proceed with legal action
Product: Debt collection

I received a voicemail from a company that did not identify themselves with the following message, my Scam call program on my phone attempted to stop the call but it got through. 

This XXXX contacting you in regards to your case that's in the process of being filed through XXXX County by law I do have to make you aware that once case number XXXX is filed it will become a matter of public record and there will be an order for your location you do have the legal right to contact the proceedings office that processing your case however you would have to speak with them before your case has been filed. your case will discharge from their office all available right will be forfeit the number provided for that office is XXXX and off the states hear that you're going to need to speak with their legal department you have been legally notified by phone. 

I called back the number and they did have my name and social security number. When i asked what this is concerning they stated i had a debt with XXXX XXXX which is true, but the amount is way higher than what I owe. They stated that they had two cases, one for non-payment and one for an attempt to defraud a financial institution. I asked them for their address, business licence and the debt collection company that the debt was sold too. They would not provide ANY information and refused to send a Debt Verification Letter and said i would be served lawsuit at work. 

I called XXXX and the Debt was not sold to this company who identified themselves as XXXX XXXX XXXX in XXXX, CA. with the following address XXXX XXXX XXXX XXXX, CA XXXX. Their phone number is XXXX. They are very threatening and refuse to give me Business information so I can verify that they are a real company with authority to collect a debt. They would not. They also would not advise me of my rights during any calls. 

I have researched this company and the address is not a physical address, they have many complaints on XXXX  and have been flagged as a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 The credit bureaus stated that the account " XXXX/DEPT OF ED '' ( account number : XXXX ) & the account " XXXX  '' ( account number : XXXX ) was properly investigated but how is that possible, if I didn't consent to these things being put on my report. This is a violation of my rights and grounds for removal under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my WRITTEN instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts suddenly showing up on my credit report tonight, and I have no clue why. I check my report regularly, but this time, I discovered discrepancies that appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but they remained. I urgently request a thorough check of the documents I provided so I can finally have peace of mind about my report.
Product: Credit reporting or other personal consumer reports

A company named XXXX XXXX hired me for a new position, prior to my start date I had to do a few cases to show I was capable for the job. The last case was to purchase cell phones and mail them to their XXXX XXXX office. I purchased 3 cell phones, 2 cells phones with a charge of {$2000.00}, and 1 cell phone with a charge of {$710.00}. and both were shipped to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. They gave me two accounts that were supposedly their business accounts, one to pay off my credit card and purchase one XXXX, the other to pay the credit card I used to purchase the other 2 phones. About a week before my employment start date I realized all payments that were made by my new business credit account to my Capitol one credit card was reversed, and payments made removed four weeks after paying off the card, but also the company was fake. so I lost my job, but they also stole {$2700.00} plus fees from me Capitol One has done nothing to help me these past 5 years. I was clearly a victim of Identity Theft and fraud, which occurred on XX/XX/2018, and was reported to XXXX XXXX XXXX POLICE DEPARTMENT : on XX/XX/18, REPORT NUMBER : XXXX. 

Capitol One reach back and said they couldn't find the receipts/charges. Hello! Because it's a fraudulent account!!!!
Product: Mortgage

I was solicited to refinance with PHH mortgage, the company that currently finances my investment property. I began the process in XXXX of XXXX. After 4 months of repeated delays and duplicate requests for information, my application was rejected based on the appraisal they ordered and provided to me. I applied for a no-cash refinance for a lower rate and lower payment in the amount of {$140000.00} and the property appraised for {$920000.00}. They rejected their own appraisal and denied the application based on " Inadequate collateral - unacceptable property ''. I was verbally told my property was not in zoning compliance but Per the appraisal : Per public record, subject shows as a XXXX unit, however, upon inspection, subject is a XXXX unit building with separate meters. It appears to have been converted in a workmanlike manner ZONING COMPLIANCE DEFINITION SUBJECT IS IN COMPLIANCE WITH ZONING AS AN XXXX XXXX Mixed Housing Type Residential - XXXX Zone. The intent of the XXXX XXXX is to create, maintain, and enhance residential areas characterized by a mix of single family homes, duplexes, townhouses, small multi-unit buildings, and neighborhood businesses where appropriate. 

So, per XXXX zoning definition above, even if PHH considers it a duplex it is zoned appropriately. Additionally, the loan to value ratio would be well within acceptable limits even appraised as a duplex. I escalated this to a manager with an email on XX/XX/XXXX. To date, I have not received a written response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Checking or savings account

I had an account with Robinhood and they have a program where cash is swept into bank accounts to accumulate interest.

One day it was halted and they stopped paying me interest. There was several XXXX dollars in cash ( not stocks ) that were not paid interest for despite Robinhood having said that they were to be swept and earned interest for being held at Robinhood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunions process of blocking and deleting information on my consumer report resulting from identity theft is in direct violation of the law. It states in 15 U.S. Code 1681c2 -Block of information resulting from identity theft ( a ) BLOCK Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.