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

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX and XXXX 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, XXXX '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. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. LVNV FUNDING LLC is the account I have been reporting I have also contacted to have my name and jobs updated seeing that the information was incorrect was told it will be fixed and isnt fixed as of yet from both XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

in XXXX, I tried to get an apartment, and on the background check it said I had been arrested back in XXXX XXXX XXXX, in XXXX texas for forge check was not true, in XXXX I paid off the bad check which was actually my husbands, and I was living in XXXX TX from XXXX XXXX XXXX was not arrested and it costed me and my XXXX son to become homeless for about 6 months
Product: Credit reporting

Today I received in the U.S. Mail a letter dated " XXXX XXXX, 2015 '' from " Equifax. '' Under the " Previous Address ( es ) : '' lived at column it states that I once lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX. Reported : XXXX. '' I have never lived in " XXXX, California '' I have lived in XXXX, California for the last 31 consecutive years. I am the victim of Identity Theft. When I called up " Equifax , '' they refused to " Delete '' this Identity Theft address of " XXXX XXXX XXXX ; XXXX, California ; XXXX '' from my " Equifax '' credit file in the Federal Credit Act law.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXXXXXX XXXX reference XXXX
Product: Checking or savings account

Wells Fargo is very smart about your availability of your funds, they outsmart you especially when you have little money and they tend to charge you bank charges
Product: Credit card

aaa visa credit card handled by bankamerica, Received email about late payment today, called and was told the card is now handled by XXXX. 

The card was my overdraft protection at Bankamerica checking account.
Product: Debt collection

this is a follow up of my original complaint If i understand the SECONDARY l complaint has been or is gon na be removed from my credit involving XXXX  The ORIGINALl complaint involves XXXX XXXX  and LENDING CLUB I have no idea how this loan was structured the information that has been previously provided pertain to the original lenders and i suppose was sold to XXXX  for {$1000.00} please look over the original info to help clear Not sure if these numbers are important or not or which ones necessary here they are XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I sent over a letter to the 3 credit bureaus of several accounts that were reported fraudulently and must be removed from my report. Credit bureaus has not responded at all.

15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX I send in dispute letters to all three credit bureaus stating there was incorrect information on my credit report from XXXX XXXX XXXX  about late payments from XXXX and XXXX XXXX. Then I reached back out to them on XXXX XXXX and nothing.
Product: Debt collection

Complaint against ARA associates Phone numbers : XXXX ( XXXX ) XXXX Contact XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Above is the company and associated phone numbersthat harassed me about a false debt toda XXXX/XXXX/XXXX. This morning I received a call from an unknown number claiming to be a locator for legal action being pursued against me and left the last XXXX digits of my social security number on the voicemail. This same person also called my mother and my sister with the same message ( but pertaining to me and them being a witness ). I called the number back and a man named XXXX XXXX answered saying I took out a payday loan in " either XX/XX/XXXX or XX/XX/XXXX '' and the bank I borrowed from was pursuing legal action against me for check fraud. I never took out a payday loan and nor did I write checks for a lender. They claimed it was from my XXXX XXXX XXXX account that I had closed in XX/XX/XXXX. I contacted that bank immediately to verify this and they said there had been no attempt to cash checks nor was there any attempt to collect on my account. I called the number back to tell them this and he told me that they were going to pursue action against me if I did n't pay today. I was pretty sure this was a scam at this point, but still a little shaken up. I had confirmed through a number of online resources and through my own logic ( my credit is good and it 's been checked a number of times over the past several years- an outstanding loan would have been brought to my attention way before ) that this was a scam and I decided to just ignore it and report the issue later. At around XXXX today I received another call from an unknown number with the name " XXXX XXXX '' stating to be a officer of my county court and that my information was being processed and I would be served with papers at my current employer and home tomorrow. I could prevent this by voluntarily settling with the company. I immediately contacted my county court to see if this was valid. I had no hits in the system nor was anything " processing '' against me. Clearly this is a scam, and when I looked up the second number given to me there were many more hits of fraudulent debt collecting- nearly identical to what I had dealt with today. There really needs to be serious action taken against this harassment especially since this scam is intimidating and cruel.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I submitted a dispute to both Equifax, XXXX and XXXX. Several times in regards to a debt collector called lvnv that put 2 accounts on my credit. The most recent dispute was on XX/XX/year>. The Issue is ( 1 ) XXXX  we're not allowed to report without notification according to regulation 12 ofr. Bto the credit bureaus. I requested that this be investigated and to provide documentation of notification. XXXX contacted me on XX/XX/year> with a letter that an attorney reported identity which was not all true. I was not afforded the opportunity to have the debt validated or verified. The other issue was XXXX reported an amount that was different than the original creditor. Equifax and XXXX reported the creditor reported verified. But XXXX we're not only to chage their account from debt collector, to debt buyer and now shows on my report as a factory account. They also changed the debt from one month to another. Again Equifax and XXXX allowed without notification to the debtor and with no explanation as to why they changed date of debt without documentation to me. Or to the credit bureaus. XXXX deleted. But on all 3 of my credit reports, there are. inconsistencies between the original creditor and XXXX  including the original creditor charge off amount was different than what XXXX said was owed. There are no payments made on the orginal creditors report, that should have also been reported by the debt collector. Dates are missing, dates are incorrect, but XXXX and XXXX continue to report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Response to XXXXXXXX XXXX Noncompliance with U.S. Codes and CFPB Guidelines. 
XXXX XXXX Department, I am writing in response to your inadequate and dismissive handling of my complaint submitted through the CFPB Complaint Portal. Your response regarding the tradeline from NATIONAL CREDIT ADJUSTERS demonstrates a clear disregard for your obligations under federal law, including the Fair Credit Reporting Act ( FCRA ) and guidelines established by the Consumer Financial Protection Bureau ( CFPB ). Your vague assertion that XXXX is either currently processing that dispute or has recently provided results is not only insufficient but also a blatant violation of 15 U.S.C. 1681i ( a ), which mandates that consumer reporting agencies conduct a reasonable reinvestigation when a dispute is submitted. By failing to provide transparency in your investigation process and evidence supporting the disputed tradeline, you are in clear noncompliance with the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 2 ) you are required to notify the furnisher of disputed information promptly and provide them with all relevant information regarding the dispute. Your failure to ensure the completeness and accuracy of the investigation violates this provision. Additionally, if the information can not be verified, it must be deleted from my credit report under 15 U.S.C. 1681i ( a ) ( 5 ) Your approach is disrespectful not only to me as a consumer but also to the regulatory framework established by the CFPB, which emphasizes the importance of fair and accurate reporting practices. The continued presence of inaccurate information in my credit file and your vague responses highlight systemic noncompliance with federal law and CFPB guidelines.

I demand the following actions : 1. A **detailed explanation** of the investigation process you conducted regarding this specific tradeline.

2. **Full disclosure of all evidence and correspondence** from NATIONAL CREDIT ADJUSTERS used to substantiate their claim.

3. Immediate deletion of unverifiable or inaccurate information, as required by **15 U.S.C. 1681i ( a ) ( 5 ) **.

4. A mailed copy of my **updated credit report** showing all corrections made.

Failure to meet these obligations will result in additional regulatory complaints and legal action. Under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, you are liable for both willful and negligent noncompliance with the FCRA , including statutory damages, actual damages, and attorney fees.

I expect a comprehensive response and resolution within 15 days. Any further evasion or noncompliance will be reported to the CFPB and other regulatory agencies for review and enforcement action. 
XXXX XXXX social Security number XXXX
Product: Debt collection

I have advised this company that I am a victim of identity theft and I have advised this company that I didnt sign up for their services and they continue to advise me that they have done an investigation and have sent me documents of their investigation however I have never recieved anything from them. My email address is as follows XXXX and have been for over 10 years. My mailing address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and have been for 10 years. My contact number is XXXX and have been for over 10 years. I have NEVER received anything from your company. This is my second attempt of trying to resolve this directly with you but you continue to violate my rights. For each violation, I am entitled to {$1000.00}. This must be compensated or remove this fraudulent account.
Product: Credit reporting

I wrote all XXXX credit bureaus as I found misinformation on my reports. Equifax is the only one that did not respond. I wrote them XXXX.Considering the other XXXX bureaus deleted XXXX errors tells me Equifax has errors too. I sent them all the same ID copies as spelled out on their web sites. Equifax CHOSE to ignore me
Product: Credit reporting

Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX, XXXX, over three ( 3 ) years ago, which I had no problem getting online from the said website. 

Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest, and let me know. I had no problem getting the same from XXXX and XXXX. Thanks, please do help and let me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX I am writing to bring to your attention a serious matter regarding the debt collection company, XXXX XXXX XXXX, and their violation of the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S.C. 1681m. I kindly request your assistance in addressing this violation and ensuring the prompt removal of the negative account they have reported on my credit report. 

Upon reviewing my credit report, I discovered that XXXX XXXX XXXX has reported a negative account that is not mine. This inclusion of an erroneous account on my credit report is not only misleading but also has severe implications for my financial well-being. Despite my repeated attempts to rectify this issue directly with NATIONAL CREDIT ADJUST, they have disregarded my requests and have failed to take any appropriate action. 

I firmly believe that XXXX XXXX XXXX XXXX  actions constitute a clear violation of FACTA, which mandates accurate and fair credit reporting practices. Their failure to comply with the provisions outlined in the Act not only harms my financial reputation but also undermines the integrity of the credit reporting system. 

I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into XXXX XXXX XXXX XXXX violation of FACTA. I urge you to take appropriate action to ensure their compliance with the regulations and to promptly remove the negative account from my credit report. Additionally, I believe it is essential to hold XXXX XXXX XXXX accountable for their non-compliance and to enforce the necessary penalties or corrective measures. 

Enclosed with this letter, please find copies of relevant documentation, including my credit report highlighting the disputed account, as well as any supporting evidence that clearly demonstrates the lack of association between me and the reported account. I trust that this information will aid in your investigation and contribute to the resolution of this issue. 

I greatly appreciate your attention to this matter. It is my sincere hope that the Consumer Financial Protection Bureau will act swiftly to address this violation, restore the accuracy of my credit report, and ensure the protection of consumers ' rights. I look forward to your assistance in resolving this dispute. 

Thank you for your time and consideration. Please do not hesitate to contact me if any further information or documentation is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Vehicle loan or lease

Santander continues to furnish inaccurate information on my consumer report. Santander claims to have to information on alleged debt and has refused to send me any statements, audit trails, on/off ledgers of this alleged debt. This alleged debt remains unverified and inaccurate.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX, # XXXX, and # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform. leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for violations. My CashApp name is $ XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees. Despite having sufficient funds when transactions were authorized. I was charged due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. I believe these practices are unfair and would like to request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting inaccurate accounts on my report and have been for some time now. XXXX already took care of this matter a year ago but XXXX and Experian seem to be ignoring the issue. I am in the market to buy a home and I refuse to let the bureaus not doing their job be the reason I can't get one. I have children depending on me. REMOVE these erroneous inaccuracies from my credit report immediately. I will be attaching a copy of my credit report as proof that they aren't doing their job.