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

I am writing to formally address Equifaxs failure to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Despite multiple dispute requests mailed on or about XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; and XX/XX/year>, Equifax has failed to properly investigate and resolve the inaccurate or unverifiable accounts in question. This pattern of inaction mirrors the systemic issues highlighted in the Consumer Financial Protection Bureau ( CFPB ) lawsuit against Equifax, where credit reporting agencies have been found to violate consumer rights by failing to forward consumer-provided evidence to furnishers, relying on unreliable responses without proper verification, and neglecting to adequately notify consumers of dispute resolutions. Equifaxs failure to act on my disputes has caused ongoing harm to my credit standing, despite my repeated attempts to provide supporting evidence. The FCRA mandates that credit reporting agencies conduct a thorough and reasonable reinvestigation, yet Equifax has failed to comply with these legal requirements. I am demanding immediate corrective action to remove or amend the disputed accounts. If Equifax continues to neglect its obligations, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General 's office to seek enforcement of my rights under federal law. I expect a written response detailing the steps Equifax will take to resolve my dispute within the legally required timeframe as outlined under the FCRA.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Equifax for failing to conduct proper investigations into disputes regarding inaccuracies in my credit report. Despite providing all necessary documentation, Equifax consistently concludes within 24 hours that the account is accurate, without offering any evidence of a thorough investigation.

This practice directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations into consumer disputes. Additionally, Equifax 's actions may breach the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as underscored in the recent administrative proceeding against the company ( XXXX XXXX. XXXX ) for similar violations. 

I respectfully urge the CFPB to take appropriate action to ensure Equifax complies with federal law and provides consumers with clear evidence of the investigations they are required to perform. Consumers deserve accountability and transparency in the handling of their credit disputes. 

Here are the inaccurate 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
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my trans Union credit report on XXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.
Product: Checking or savings account

On Thursday XX/XX/XXXX I went to a local chase bank on XXXX XXXX XXXX, XXXX, TX XXXX. I asked on of the banker if it was okay to deposit a third party check that belong to my cousin due tho his id being stolen. The banker told me there would be no issue and I continued to deposit it. A couple day later they restricted my account. They said my cousin had to verify his identity With phone number. For some reason their systems were not up to date. They told me his name was not appearing under the phone number. He called XXXX and they told him that his number was registered under his name and cleared any previous owners. They said it still wasnt showing up. After going back and forth with them now they said its no longer his number they need to verify check. We have went to the bank in person me and the person the check was made out both with 2 forms of id and they said there is nothing they can. They have been giving me the run around with every representative telling me something different. Now they are telling me they might close my account. The check was a tax refund check from refund advantage.
Product: Debt collection

on XX/XX/28 I mailed a letter to AFNI regarding a bill I received from them in the amount of {$150.00}. Its been over 30 days and no response. I've never had any knowledge of this debt and it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard inquiries, navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), navy fcu ( XX/XX/XXXX ), and navy fcu ( XX/XX/XXXX ). XXXX separate letters were sent out to each major XXXX XXXX XXXX in XX/XX/XXXX to have these hard inquiries removed, because I was unaware and did not give my consent.
Product: Checking or savings account

I opened new account in chase bank in month of XXXX. I updated my account details in my company portal so that I can get salary directly deposited in my account. But due to some reason instead of direct deposit my company issue check for my salary. I got XXXX checks from my company XXXX for my basic salary and remaining XXXX for my other allowances. I deposited all XXXX checks in my newly opened chase bank account. After some time when I checked I observed that my checks put on hold. After talking with Chase bank customer care I came to know that check is not verified that's why they put it on hold also they are going to close my account due to suspected fraud activity. I reached to my company ( XXXX XXXX ) for this issue and asking reason why check is not getting verified. They checked the issue with XXXX with whom my company have tie-ups. XXXX team mention that checks was already encash by chase bank and they all are valid one thats why XXXX XXXX ( XXXX issue checks from XXXX XXXX ) paid all amount to chase bank. Then I again reached out to chase bank and they said when they are trying to call my employer number showing as invalid. Number registered in there internal database. Neither they providing me number which they are using nor they agree to call with the other number which is in working. There is one number available on check provided by XXXX when we are dialing that number we are getting message - we cant verify this check at this moment reason because checks are already encash so thats why XXXX team deleted entries from there system. Now my XXXX $ stuck in chase bank account. I have original copy of checks with me. Even I have original copy of my pay statements in which my check number along with amount is mention. My company agree to provide confirmation upon email. Even I have confirmation from XXXX team over email that all XXXX checks are valid. My company asked to return back all amount which chase bank encash from check to the same bank bank account which issue the check so that my company directly deposited amount to my account. But chase bank is not agree upon it. They are saying my employer bank need to submit request to return back money but as per my employer bank they cant submit request because there is no reason to submit request. All checks are valid that's why chase bank able to encash it. As per there records all checks are encash. Kindly help me for this issue .My amount is stuck from last 6 months.
Product: Credit reporting or other personal consumer reports

Accessed experian report found inaccurate information including Incorrect Aliases- XXXX XXXX Incorrect address- XXXX XXXX XXXX  XXXX XXXX, PA XXXX Accounts not belonging XXXX XXXX account number # XXXX XXXX  XXXX account number # XXXX XXXX XXXX account # XXXX Experian Credit Report # XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX # XXXX Account name : XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

I requested for my Kohls account to be closed in XXXX and paid off the account. Since the account has been paid and closed, Kohls continue to add additional fees to the account through XXXX. The account went from being paid off to {$110.00} in fees added to the account. Nothing has been charged to the account. I do not owe these fees. Kohls should not be able to take advantage of consumers like that. Kohl has sent this account to credit bureau and caused my credit score to drop 35 points.
Product: Debt collection

I moved out of the apartment in XXXX/ XX/XX/2017. I made {$100.00} payment in XXXX or XX/XX/2017. The original amount was over {$2000.00} so obviously a payment had been made ( exhibited on XXXX  credit report ). XXXX, the property manager told me that they no longer own the debt, therefore, how can they legally come after me? I reached out to her since I didn't trust Hunter Warfield. If only the original debtor can charge interest/ fees how is it mentioned in the summons if the property manager is alleging that they no longer own the debt? I also noticed the form was notarized in Tennessee. Thirdly, Hunter Warfield is reporting several discrepancies/ amounts across all three credit reporting agencies, this alone is grounds for removal. Also, when I called Hunter Warfield, they advised me that they can no longer collect on the debt, so why is it reported if they no longer own it?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of consumer and identity theft fraud. Police Report Number : XXXX. Please find the attached police report. It was filed at XXXX Police Department on XX/XX/XXXX. Complaint with the Bureau of Consumer Frauds and Protection New York Attorney General file number XXXX on XX/XX/XXXX. New Jersey Attorney General Complaint Number XXXX. Federal Trade Commission complaint number : XXXX Please place a credit freeze on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. Please remove all hard inquiries from XX/XX/XXXX until XX/XX/XXXX on all my credit reports on all credit bureaus : Experian, XXXX, XXXX and XXXX. 

XXXX and XXXX has already placed the security freeze and int the process of complying of my requests. XXXX and Experian are INTENTIONALLY delaying the process and they will be liable for all financial losses I incur because of their reckless behavior. You will be hold accountable in court. This is not just a civil case and it implies criminal charges. XXXX and Experian will be liable too for those criminal charges if they do n't act accordingly in the NEXT 48 hours of receiving this complaint. I DARE YOU! 

XX/XX/XXXX
Product: Credit reporting

I sent in information to show I got married AND changed my first name to you and XXXX. You both sent me back something and needed more information and I mailed that back weeks ago. XXXX has my correct name now. You do not. Please get this changed so I can apply for a credit card with my legal name on it and get approved.
Product: Mortgage

Our complaint is against Nation Star mortgage/DBA Mr. Cooper. 
I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. 
They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. 
The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX Closed {$7600.00} N/A of Credit Limit 5 . XXXX/XXXX  Closed N/A N/A of Credit Limit 6. XXXX/XXXX  Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX  Closed N/A N/A of Credit Limit 9. XXXX/XXXX  Closed N/A N/A of Credit Limit
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$3300.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

This morning, I found inaccurate accounts on my credit report, and I cant figure out why theyre there. I check my credit report regularly, but this time there were unexpected discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the inaccurate accounts didnt go away. Im pleading for the documents Ive submitted to be reviewed carefully so I can finally stop worrying about this.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( XXXX  ) ( XXXX ) ( XXXX  ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX BALANCED {$23000.00XXXX XXXX XXXX XXXXXXXX BALANCED {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft. Please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC I NEVER gave Experian Prosper any written instruction to furnish any information on my consumer report. Because you have furnished information without my permission, You both are in violation of 15 USC 1681b. Consumer Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices .Never gave any company permission to share any of my personal transactions to try to extend credit or pull my credit without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter dated  XXXX   XXXX ,  2017. Here  I had pointed out some blatantly incorrect trade line information that my credit report contained. I waited the allotted 30 days only to find this company had not rectified my report.  <P/> At this time I am reaching out to the CFPB and asking they investigate this company, as on the BBB website I have found thousands of complaint against this company where folks were suffering from the same mistreatment as I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX {$1700.00} ) has violated several of my rights. 16 U.S.C 1691 section 602 A. Clearty states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - XXXX Amount : {$4100.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX  XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : AXXXX XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Product: Debt collection

I paid all of my debt off on my credit report and XXXX company ( AR Resources ) has not reported it paid, so it 's still showing open and it 's hurting my credit.