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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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, Equifax '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 Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts marked as inaccurate. 

XXXX XXXX - XXXX - This is not accurate. Select Misrepresentation is FRAUD! 
XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XXXX XXXX XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD! 
XX/XX/XXXX - XXXX - This is not accurate. - Select Misrepresentation is FRAUD!
Product: Mortgage

I completed my Loan Modification package the month of XX/XX/21 and have continuously been deceived by SPS about receiving a loan modification. This company is purposely deceiving me by LYING about documents sent via email. I have sent EVERY piece of documents asked for by this company and more than once. This behavior is a deliberate and repeated action and is a PATTERN conducted by SPS in an attempt of depriving me of a loan modification that has nothing to do with COCID-19 and NO I dont need a forbearance- this is what their employees are scripted to state on each call. SPS is deliberately denying me the ability to have relief and pay a lower mortgage.As you can notice how this company conducts its business thru deceit and lies in hopes. That I will just stop sending documents. SPS constant lying that documents are missing is ignorance on this companys part, asking for the same documents over and over. Please NOTICE how obvious SPS actions are. A VERY DELIBERATE PATTERN THAT IS REPEATED OVER AND OVER. As you can see from the documentation I have presented SPS has 18 instances of REPEAT PATTERNS of asking for DUPLICATE MISSING DOCUMENTS that already has been sent via email at Relationship.Manager@spservicing.com. I NUMBERED EVERY DOCUMENT I have emailed to SPS and have sent over 200 pieces of documents. 214 pieces to be precise and all I have to do is go to MY PAGE of this so called missing document, pull it out and email it to SPS again and again, over and over. Its as if SPS is upset due to my sending every piece of document they have asked for
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The credit bureaus have engaged in multiple violations of the Fair Credit Reporting Act including inaccurate reporting of the amount owed, failure to ensure accuracy in the Information provided by the original creditor misrepresentation of payment history and inaccurate reporting of account status. Below is the non- compliant account that violates FCRA regulations and has not been certified under a testimony of fact XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 

XXXX XXXX DEPT OF ED/XXXX ACCOUNT # XXXX US DEPT OF ED/XXXX/XXXX ACCOUNT # XXXX UD DEPT ED ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX XXXX  XXXX ACCOUNT # XXXX, ACCOUNT # XXXX TRANSWORLD SYSTEM INC ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX,
Product: Mortgage

Foreclosing on property that is not delinquent. I have not missed a payment yet and they are trying for a land grab. Corruption and licenses need to be revoked
Product: Vehicle loan or lease

XX/XX/XXXX I reached out to the dealership XXXX XXXX explaining the violations as well as deceptive practices that got me into a poor vehicle which I was unaware at the time. They responded saying stop harassing them. I also reached out to the lender ALLY FINANCIAL who is harassing me for payment on a vehicle that was repossessed in XXXX although prior too I tried to remedy the repossession the vehicle was sold. Til this day Im being harassed by both parties. I dont believe I owe a debt I believe every dollar Ive paid belongs to me for the violations of regulation z and all of my consumer rights. Also with the attempt to contact ally cfo and ceo i have proof that the calculations to extende this loan to me the consumer is incorrect Ive attached documentation as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Telephone No. XXXX Consumer Finance Protection Board RE : PNC Bank, COMPLAINT ID XXXX Dear, CFPB Manager, This complaint has been filed before, but the cfpb did not require the merchant to provide disclosures given at time of application, nor required an explanation as to whether a layman, like myself was fully and substantially explained the hard vs soft injury and how it would affect his credit rating. 

I just telephoned PNC Bank on yesterday, dispute transaction I have not received yet. I informed her that she was supposed to send me and cfpb copy of aforementioned disclosures given to me. I have not gotten it yet. It should be noted that credit reporting Agencies has made hundreds of errors, this article highlights during XXXX, but I sincerely believe the problem has always existed. See link and XXXX XXXX XXXX XXXX 

Also, the merchant has not provided at the time of application any details on how a layman/consumer, like myself, were verbally given a sufficient explanation on the destination between a hard vs soft pulling of my credit report and how it would affect my crediting ;, or in the alternative any affividits of all decision makers on this decision not remove the trade line from my CR. Cfpb just accepted and closed my complaint. It seems that cfpb accepted the merchant explanation is final and no independent party makes the decision in the process. This violates my Constituational right to due process.

Respectfully XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have file a disputes with XXXX none of my disputes with XXXX got remove from my credit reporting the company is furnish incorrect information on my credit report this is a violation of 15u.s.c1681 S-2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. also the company violated 15 usc 1681 eb ( b ) Accuracy of report 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. The company violated ( FDCPA ) 15 u.s.c.1692e8 .8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. 
Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX : XXXX Fair Debt Collection Practices Act : XXXX XXXX XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. 

CREDITOR CONTACT INFORMATION : ACIMA CREDIT FKA SIMPLE XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. 

I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. 

Sincerely, XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX 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: Mortgage

When my mom passed in XXXX 2016, I discovered that she had taken out a XXXX mortgage loan with CitiMortgage that was referred to Bayview Loan Servicing. As her heir and administrator of her property, I contacted them about the loan and required documentation about the loan process from the initial loan. As of today, I have n't received any documentation or cooperation from the lender. Three months ago, I have spoke with a representative about negotiating a payoff and she stated that she would initiate the process and assign a case manager to the case. I was told not to submit any payments until I hear back from them through a certified letter. After a month pasted and no certified letter received, I called the lender and expressed concern about the request. I was informed that no such request had been submitted. The rep assured me that he would submit the necessary documentation to initiate my request. After weeks had pasted and numerous attempts to reach Bayview by telephone for a response, I finally got a representative to answer my request. I was told that Bayview would not negotiate a payoff because the value of the home, if foreclosed, would cover the loan amount. Though disappointed, I asked about the passed 3 months payments and learned that late fees had been asset to the account. On XXXX/XXXX/16, I made a telephone payment in the amount of {$410.00} dollars ( confirmation # XXXX ). A week later, the amount still has n't been deducted from my account. Therefore, I called the lender no less than 10 times totaling hours of my time seeking an answer. I finally got a live representative that explained my payment was rejected for insufficient funds. I stated that there must be a misstate because my account has more than sufficient funds to cover the charges. The rep stated that I can resubmit the payment through XXXX XXXX, which I stated was unacceptable because my checking account has over {$8000.00} dollars in it and that the representative had to have keyed in the wrong information. The representative hung-up the telephone. He was the second representative to do that such action when I requested to speak with a manager. I called back and was told that I 'm not authorized to receive information on the account. I am absolutely dumfounded by Bayview 's representatives actions. This is unprofessional and down right deplorable. All I want to do is make a payment and this is being rejected. XXXX 's statement depicts the attempted payment of {$410.00} dollars suspended. Can I please get some assistance in this matter. Thank you,
Product: Checking or savings account

On XX/XX/2022 Enterprise Rental Car charged my account {$190.00}. The attached document is the front page for XXXX XXXX, which repaired my vehicle. I am the claimant. The General 's insured hit my vehicle. The XXXX XXXX XXXX was supposed to reimburse XXXX {$190.00} and not charge me. The financial dispute is between The General and XXXX, not me. It is XXXX to use their resources to collect any monies owed to them by the insurance company.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Received an email from Western Union that money had been picked up on X/XX/17 in XXXX, Ga by XXXX XXXX. I immediately contacted western union. Spoke with XXXX. I informed her that I did not know this person nor did I send any money to anyone via western union. I  had previously sent money to my sons & always had problems each time. Those times I actually sent money were horrible experiences. I had to call both times previously & was on phone with western union too long. It was not easy at all to do money transfers for my sons those times so I told western union that I would not be using their services again. I asked to be removed from list. I did not make a transaction via western union since & will not. I again reported this fraudulent activity & told them to delete my information from their system. XXXX stated she had made fraudulent report. I asked that they not email me, requested call back. I may not check email daily & wanted to be updated on status of this fraudulent activity. I did not authorize this & therefore stated that money best not be deducted from any accounts of mine. I do not know this person & want to report western union for inappropriately transferring money without authorization from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The item currently in dispute is a  XXXX  that was issued in my name without my knowledge by  XXXX . The amount owed is approx. {$1700.00}. Over a year ago, I discovered several fraudulent accounts on my credit report through the major credit bureaus when inquiring about a refinance of my home mortgage loan. After receiving my credit score report from  XXXX , it stated that this account is scheduled to continue on record until  XX/XX/XXXX . I immediately contacted each company to inform them that the accounts were fraudulent and requested to remove them from my name and to deactivate the credit cards and loans. Unknown to me at that time, some of the accounts had been open for several years. I had never heard of most of the companies before. I 've had several conversations with  XXXX  requesting them to remove my name from this account because the card was never received, activated or used by me. In  XX/XX/XXXX , I provided a copy of a police report and continued to try to convince them that I did not own, use or authorized anyone else to use the credit card. The latest letter I sent was on  XX/XX/XXXX , as a follow up from my phone conversations with their representatives that took place on Friday afternoon,  XX/XX/XXXX  and Monday morning,  XX/XX/XXXX . The purpose of the phone calls and letter was to continue my dispute of the fraudulent  XXXX  and to advise them that the information from their investigation is inaccurate. I am requesting that  XXXX , or its affiliate agency,  XXXX   XXXX   XXXX , or collection agency,  XXXX , remove my name in its entirety from this fraudulent credit card account. Prior to these PII incidents, my credit score was excellent.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXXXXXX XXXX. PER 15 USC 1681 C-2 STATES 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. 

XXXXXXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX - Balance : {$0.00} XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$980.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$250.00} XXXX XXXXXXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$7200.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$760.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX {$3000.00} XXXX # XXXX XX/XX/XXXX - Balance : {$1400.00} XXXX XXXX XXXX  XX/XX/XXXX - Balance : {$540.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX XX/XX/XXXX - Balance : {$670.00} XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} XXXX  # XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$980.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$1400.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$650.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$390.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$540.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$510.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$670.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$2200.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX