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

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Dispute Regarding Failure to Investigate Submitted Dispute Letters Dear Sir or Madam, I am writing to formally submit a complaint regarding the lack of proper investigation into my disputes by the credit bureaus, XXXX, Equifax and XXXX as required by the Fair Credit Reporting Act ( FCRA ). My name is XXXX XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. My Social Security Number is [ XXXX ] for reference. 

On XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024, XX/XX/2024 and XX/XX/2024, I submitted a dispute regarding inaccuracies found in my credit report to XXXX, Equifax and XXXX, specifically pertaining to the following negative items : 1. Identity errors : Wrong name, address, or social security number, leading to accounts belonging to someone else appearing on my credit report ; 2. Account status errors : Accounts listed as open when they actually closed, or vice versa ; 3. Payment history errors : Incorrectly reported late payments, when payments were made on time ; 4. Account duplication : The same account listed multiple times on the credit reports ; 5. Mixed file errors : Accounts belonging to someone with a similar name appearing on credit report ; 6. Data entry errors : Transposed numbers, incorrect dates, or typos in account information ; 7. Credit limit errors : Incorrect credit limit listed for accounts ; 8. Balance errors : Inaccurate current balances reported on accounts ; 9. Collection errors : Incorrectly reported debt in collections, including outdated or already paid debts ; 10. Bankruptcy errors : Inaccuracies in the date or details of bankruptcy filing ; 11. Inquiries errors : Credit inquiries listed that were NOT initiated by me.

As stipulated by the FCRA, credit reporting agencies are required to investigate all disputes within a reasonable time frame, typically 30 days. However, I have yet to receive a comprehensive resolution to my disputes. In addition to my initial dispute letters, I have not been provided with the results of any investigation, nor have I received any documentation demonstrating that a thorough review of my claims was conducted. 

This lack of investigation not only violates my consumer rights under the FCRA but has also had a detrimental impact on my creditworthiness. As a result, I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against the credit bureaus involved. 

I appreciate your attention to this matter and look forward to your prompt response. Please do not hesitate to contact me should you require any additional information. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX CREDIT COLLECTION SVCS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CREDIT COLLECTION SVCS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

There is a pubic record that remains on my LexisNexis report. It is not me or associated with me in any way. The address doesn't match any address I've ever lived. This is a mix up of records and is interfering with my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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.
Product: Checking or savings account

I have a portion of my check deposited into my Chime bank account. it shows on my employer end that the funds were deposited into my chime account on XX/XX/20. As of right now XX/XX/20 their systems are down and they are not able to access accounts and on my end they is showing no deposit into my account. I called customer service was waiting for over 45 minutes to talk to live person for them to tell me to call back in 30 minutes. It's a day before XXXX and going thru Covid is a hardship as is and for a company to treat them customers with no disregard is sinful
Product: Credit reporting or other personal consumer reports

I came across the CFPB EXPERIAN LAWSUIT I feel i was negatively impacted by this i have sent in legal and proper documentation explaining these accounts on my credit report is not mines and inaccurate Experian failed to reinvestigate information this is hurting me and my ability to obtain a home car etc.. everything i dispute says they verified info but i ask for proof signatures a contract they failed to provide but said verified. i believe these items should be removed in light of the ongoing lawsuit associated with the consumer financial protection bureau ( cfpb ) that has been publicly characterized as a SHAM or unlawful in nature. i respectfully ask that you investigate the validity of these accounts and remove from my credit report immediately..
Product: Credit card

As a consumer, I would like to file a complaint against Citibank/ HomeDepot for the XXXX credit cards that were opened last XXXX. 
After numerous efforts to resolve the problem, as of this date it has not been resolved yet. 
XXXX, I have only received XXXX photo copy of my statement for the month of XXXX on XXXX XXXX which they have reported me past due. I have received the cards after XXXX days. 
On the XXXX account, I am still waiting to receive a copy to review my transactions of purchase and credits. I was told that it was also past due. How can they report me late when I have only received both cards early XXXX and no account statements were ever provided. 
In XXXX, I have received a call that my credits cards were sent back " return to sender ''. After talking to the customer Service Dept, they realized that both accounts that was opened on XXXX separate dates has no Street Number. How can they even process my credit application when there is no street numbers on both accounts. How can this happen? Take note my drivers license were presented and SSS # during the application process. Customer service was updated on XXXX XXXX of the home address and I was reassured that everything will be taken care of and both cards will sent out immediately followed by the statements. 
I called customer service to follow up the statements. I was told I can check it online. I complained that I can only gain access on XXXX account and was refused on the other account. They found out that the second account has my middle initial and they will fix the problem so I can also have access on it. 
Until now, I am still waiting for this to be fixed. 
On XXXX XXXX I received another call from Citibank about both accounts being past due. I talked to a supervisor ( team XXXX ) and explained the situation to my accounts. At this point, I have requested that both accounts be paid off. I gave my XXXX account number and routing number. The supervisor agreed to waive the late and interest charges and promised to send me the statements so that I can review the transactions. 
To my disbelief, I got another call Citibank on XXXX XXXX stating that XXXX account is past due. After reviewing my accounts, I was told that only XXXX account was paid off. Excuses were made by Citibank but the bottom line, XXXX XXXX XXXX said that my checking account definitely has the funds and there were no stop payment orders received. 
Take note that only XXXX account was paid off and the bank account number and the routing number were both the same given to the supervisor for accounts to be paid off. 
My last conversation to Citibank was on XXXX XXXX. Again, the bank information was given to them to payoff the remaining account. I still need to confirm if they have processed my payment. 


Your attention on this matter is greatly appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Transunion, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed my credit report with your bureau. The amount owed are no longer outstanding for the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$160.00} I am disputing this claim due to : I HAVE NO KNOWLEDGE OF THIS ACCOUNT. IT IS FRAUDULENT. I AM REQUESTING IT BE REMOVED IMMEDIATLEY
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, a financial services provider, for their ongoing failure to correct inaccurate information they have reported to the credit bureaus regarding my account ( Account ending in XXXX ). 

Since XX/XX/XXXX, I have been in contact with XXXX regarding discrepancies in my credit report. Despite multiple communications and confirmations from XXXX that my payment history is clean and reflects no late payments, all three major credit bureaus ( Experian, XXXX, and XXXX ) continue to report erroneous late payments. These inaccuracies are negatively impacting my XXXX XXXX and are severely hindering my ability to secure a mortgage. 

Here is a summary of the situation : - On multiple occasions, XXXX has confirmed that their records show no late payments on my account. Despite this, the credit bureaus are reporting the following inaccuracies : - Experian : XXXX late payment - XX/XX/XXXX- XXXX : XXXX late payment - XX/XX/XXXX - XXXX  : XXXX late XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX- I have repeatedly requested XXXX to correct these inaccuracies with the credit bureaus, but they have failed to do so. Most recently, on XX/XX/XXXX, XXXX responded that they do not find any errors on their part and are unable to change the credit reporting. 

This failure to correct the inaccuracies is a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 623 ( a ) ( 1 ) ( A ) of the FCRA, XXXX is obligated not to furnish information to credit bureaus if they know or have reasonable cause to believe that the information is inaccurate. Additionally, Section 623 ( a ) ( 2 ) requires that they promptly correct and update information to ensure its accuracy. 

Given XXXX 's refusal to correct these errors despite being aware of them, I believe that their actions are not only negligent but also in direct violation of federal law. This has caused significant harm to my credit standing and has placed undue stress on my financial situation. 

I respectfully request that the CFPB intervene in this matter to compel XXXX to correct the inaccurate information they have reported to the credit bureaus. I would also like to request an investigation into XXXX 's practices regarding credit reporting to ensure compliance with the FCRA. 

Please find attached copies of my correspondence with XXXX and screenshots of the incorrect credit report entries for your review. 

Thank you for your attention to this urgent matter. I look forward to your assistance in resolving this issue and protecting my rights as a consumer.
Product: Debt collection

I requested my credit report from XXXX and saw that I have several debt on my credit report that I did not take out because I was a victim of fraud One of these loans is from MIDLAND CREDIT XXXX for {$820.00}. I called them and explained the situation, but no action was taken to write off the debt, I did not receive any paperwork on the write off or at least start the proceedings. The loan is as it was and is, which affects my credit history
Product: Credit reporting or other personal consumer reports

This is the law you use! Send this to Transunion 15 U.S. Code 1681i - Procedure in case of disputed accuracy a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 

5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very simple I had a secured credit card with XXXX ( at that time XXXX ) that was opened in XX/XX/XXXX and it was closed in XX/XX/XXXX after I was unable to make the payments and had discovered a family member had been using it incorrectly, which I did not know for about three months. It was charged off sometime late XXXX or early XXXX, not sure of that exact date. 

Fast forward to XX/XX/XXXX, my Transunion ( only TU ) began reporting the account status as open out of nowhere, I have no clue why or what happened of course I then began a course of disputes with TU and arguing with them because I assumed maybe it was a glitch with there system, then after getting no where with them and every time XXXX confirming the accuracy of the reporting, I began hunting down who to contact at XXXX since I no longer had the full account number any longer or where to begin, finally I was able to get through on some 800 phone number and the rude agent reluctantly gave me my full account number and this email as the ONLY way to contact the dept that handles these matters, XXXX! I began communicating on XX/XX/XXXX and was assured it would be sent over to the dept that handles the credit reporting and fixed, I have contacted them multiple times and still no action/response, and of course you will see with the documents I attached they were careful to encrypt their responses so I am unable to supply copies of that! 

This account is reporting 4062 % credit usage on my XXXX, I am trying desperately to correct my irresponsibility and to carefully watch my credit on a go forward as to correct bad ways and improve my status '! 

CAN SOMEONE PLEASE HELP!
Product: Consumer Loan

I purchased a XXXX GMC Envoy on XXXX/XXXX/XXXX from Drivetime. Repairs started immediately on the vehicle, the first repair was approx a week after purchase. Some receipts we were not given because it was within the 30 day warranty and they would not give us receipts for the work that was done by their preferred mechanic XXXX XXXX. The dates of all the repairs made by XXXX are as follows,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/XXXX/XXXX, XX/XX/XXXX.And our portion was {$100.00} each time these repairs were made. And we also had the lift system replaced due to a busted air bag XX/XX/XXXX for {$420.00}, and I paid {$470.00} on XXXX/XXXX/XXXX for repairs to XXXX XXXX because XXXX was unable to complete the repairs that he started. We are advised by the shop that replaced the lift system that the vehicle looked like it had been under water underneath the truck. Well my husband attempted to change the brakes on Sunday XXXX/XXXX/XXXX. He was unable to get the brakes off due to the bolts were rusted on to the truck. The brakes and rotors are COMPLETLY rusted and the brake shield which is steel falls off into pieces to the touch. I had previously ask for another vehicle and was told that is not considered until the cost of repairs total the cost of the vehicle.We are well over the blue book value which is starts at around $ XXXX and the repairs at his point are over $ XXXX! We have photos and video of the rust on the wheel and brake issue. NOW they are telling me they do n't replace unless the cost of XXXX repair has to total the value. THIS IS NOT WHAT I WAS TOLD. I WAS SOLD A LEMON THAT HAS BEEN UNDER WATER! And now I was told to take the truck to XXXX again to look at the rust and brake issue. Now I am being told they will not cover the repair. I knew this would be the issue and I do n't want it repaired I want them see the rust and disintegrating steel and put me in another vehicle. Now it has cost me {$50.00} for nothing other than them to tell me they do n't cover the repairs. Well I knew this! And the vehicle is still not running properly, it seems that the transmission is going out. And of course we are being told take it to XXXX, LOL ... ... I was SOLD A LEMON AND THEY KNOW THIS!
Product: Credit reporting or other personal consumer reports

I am writi ng to follow up on my previous XXXX XXXX sent on XXXX XXXX ago from the date of this lett er, regarding the dispute of certaininformati on in my credit fi le. I am specifi cally addressing the fraudulent informati on listed below as a victi m of identi ty theft ; XXXX XXXX XXXX below.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 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  XXXX Balance : {$7700.00} XXXX  XXXX Balance : {$7900.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires are from car dealers. They where only supposed to run 1 report with a finiical bank not 13, 37 these should go off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly verified the accuracy of Bankruptcy Case XXXX which is appearing on my consumer credit reports. Equifaxs claims that their subscription to XXXX is an acceptable form of verification. I have sent certified/return receipt dispute letters to Equifax requesting verification of the reported bankruptcy. These dispute letters were received by them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Upon receiving their last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ) that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. In the meantime, I also obtained a letter from the US Bankruptcy Court in XXXX, NY, which clearly stated that they do not provide any information to the credit bureaus. Equifax 's claim that they verified the Bankruptcy through the US Bankruptcy Court is false as I spoke with a clerk through the phone number they provided on my credit report and she provided me with a letter confirming that is false. Furthermore : PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Equifaxs claim that their subscription to XXXX was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, Equifax is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance. I implore your agency to please assist me in having this unverifiable information from a database ( XXXX ) that does not allow access to any personal identification information, removed from reporting on my credit files. Equifaxs practice is highly damaging to my credit and I would be remiss not to request your assistance with this issue. Thank you for your time and assistance in this extremely important issue.