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

1. Background and Issue I am a victim of the Equifax data breach, which compromised my personal information, leading to unauthorized activity on my credit report. In response, I formally requested that Equifax block and delete fraudulent accounts and inquiries, as permitted by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( a ). Despite my detailed written request, Equifax has failed to take action to remove these accounts and inquiries from my credit report, exacerbating the harm caused by the data breach.

2. Details of Unauthorized Accounts and Inquiries I am requesting that Equifax bl
ock and delete the following items : Account : XXXX XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX ( dated XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( dated XX/XX/XXXX ) These items are the result of identity theft and are negatively impacting my credit report, adding further distress following the Equifax breach .

3. Equifaxs Failure to Act Equifax has not acted on my request, despite my citing the specific legal provision, 15 U.S.C. 1681c-2 ( a
), that mandates blocking and deletion of fraudulent items due to identity theft. This inaction leaves me vulnerable to potential financial loss, as the unauthorized accounts and inquiries can affect my creditworthiness and credit score. Equifaxs lack of response not only violates my rights under the FCRA but also breaches its duty to protect consumers whose data it failed to secure in the first place.

4. Request for CFPB Assistance I request that the CFPB intervene and compel Equifax to comply with my request to block and delete the fraudulent accounts and inquiries promptly. Equifax should be held accountable for : Addressing the accounts and inquiries resulting from the data breach and identity theft.

Providing written confirmation that these items have been blocked and deleted from my credit report.

Offering clear and timely communication regarding their actions taken in response to this complaint.
Product: Debt collection

I've been receiving repeated calls from a call center ( XXXX XXXXXXXX : XXXX ) that uses multiple numbers to get around spam filters. When I pick up the phone, there is no sound until I make a noise, and then I am forwarded to their call center where they pick up and automatically know my name. They demand that I confirm my name and provide information confirming who I am. They will not tell me what the call is about, how they got my number, or what their company does. I have asked for their business license to confirm that they are who they say that they are, but they won't give it to me. They say it's company policy not to give any information until they have confirmed my identity. Now, I'm trying to pay a debt to PayPal. When I call PayPal their phone tree connects me to an unknown number that someone picks up and says " this is the wrong number, call XXXX ''. So I do that, and I end up back at the call center that's been calling me. I've talked to a supervisor and informed him that it's against the law to call for debt collection and not state you are a debt collector before any communication. Yet XXXX XXXX, the supervisor I talked to said he still will not provide any information about his company. So my question is how can I pay my debt if I can not confirm that this company is legitimate? It's a direct violation of the Fair Debt Collection Act if indeed they are trying to collect a debt : https : XXXX : ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

Of course, XXXX  XXXX  did not confirm with me what their company does, but their supposed website does have a payment portal, which indicates to me that debt collection is something that they likely do. XXXX XXXX also offered to take my number off of XXXX 's call list still without informing me what he was calling about. If this really is an attempt to collect a debt, I would want to know before you remove me from the list! How can I even pay my debt if this is the company that has it and they won't identify themselves?? Very very shady.
Product: Debt collection

I purchased a samsung galaxy phone from a XXXX representative and was told at the time of the purchase that it came with a free tablet and that there was no contract and that I could cancel the device at any time. My phone was stolen and I immediately called and reported it and was told that my service would be cancelled and I would not be billed for anything but the price of the phone and to return the tablet to the nearest XXXX store. The store refused to even let me pay for the phone and said I breeched my contract and that I owed over XXXX dollars for the phone, tablet early termination and other fees. I also could not pay or work out any deal with XXXX because they referred it to a collections agency and told me they no longer were involved at all. All I have received from this is a report on my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of a debt reported by XXXX XXXX for {$16000.00} on my credit report. I am requesting your immediate intervention in this matter to investigate and remove the debt from my credit report as it is not mine. I have recently obtained a copy of my credit report from XXXX, XXXX, and Equifax, and I was surprised to find an entry for a debt from XXXX XXXX listed as outstanding. I have thoroughly reviewed my financial records and can affirm, without a doubt, that I have never had any business transactions or contractual obligations with XXXX XXXX. I understand that under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to ensure the accuracy and verifiability of the information they report. 

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has been established to enforce the provisions of the FCRA and protect consumers ' rights. In light of the above, I kindly request that you initiate an investigation into the following matters : Provide a detailed verification of the debt, including the original creditor, date of inception, and any supporting documentation that substantiates the legitimacy of the debt. Verify that XXXX XXXX has followed all required legal procedures in attempting to collect this alleged debt. Confirm that XXXX XXXX has complied with all relevant statutes of limitations pertaining to the collection of this debt. Provide evidence of any contractual agreement or documentation with my valid signature, binding me to this alleged debt. I would also like to inform you that the inclusion of this erroneous debt on my credit report has had a significantly negative impact on my creditworthiness and financial well-being. It has affected my ability to obtain credit, secure favorable interest rates, and may have implications for future employment opportunities. I believe it is paramount to rectify this issue promptly to mitigate any further harm caused by this false reporting. Should this dispute not be resolved in a timely manner or if the debt is not conclusively proven to be valid, I will be compelled to pursue legal action to protect my rights under the FCRA, including but not limited to filing a complaint with the CFPB, engaging legal counsel, and seeking appropriate remedies available under the law. 

I appreciate your immediate attention to this matter and request that you provide me with written or emailed confirmation of the receipt of this dispute within 7 days from the date of this complaint. Additionally, I kindly request that you keep me informed of the progress of your investigation and provide me with a detailed response within 15 business days. Thank you for your prompt assistance in this matter. I trust that the Consumer Financial Protection Bureau will act diligently and impartially to resolve this dispute and protect my consumer rights. I look forward to a favorable resolution and the removal of this incorrect debt from my credit report.
Product: Credit card

I was charged the intrest of 29.99 % for the whole month of XX/XX/2023 while I made a payment of {$300.00} on the XXXX of XXXX. It left the balance of {$9.00} and I should be charged the % for the rest of XXXX from XXXX on that amount of {$9.00}. They however charged me % of {$92.00} for that whole month. They already received my payment on the XXXX. They unlawfuly kept charging me the % for entire month. It all happend after my deferred intrest of 6 months ended. I had deferred interest for 6 month from XXXX of XX/XX/2023. People beware of this bad company-XXXX XXXX Fortiva Retail Credit .
Product: Credit reporting or other personal consumer reports

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : XXXX. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 
Please respond to this deletion notice within XXXX  days to avoid further actions, deletion of this account will satisfy compliance. 

Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : # XXXX Account # XXXX Account # XXXX CC : Attorney General Office, FTC XXXX CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report.
Product: Vehicle loan or lease

My leased XXXX BMW was totaled on XX/XX/XXXX in XXXX county, New York. 
I've been an excellent customer of BMW for over 5 years, all lease payments and insurance payments were current.

I have New York Total Loss provision in my lease contract where it states " I'm not liable for an additional early termination charge '' etc.

My insurance company gave them a check cash value, taxes fees etc. and an outside valuation report.

BMW has sent me to collections, claiming I owe {$4000.00} and am responsible for terminating my lease early and penalized as such for fees and taxes. 
The car was classified as " new '' on my lease agreement although it had XXXX miles on it when purchased.

BMW is charging me {$1200.00} for overmileage at time of crash, and refuses to recognize the previous mileage upon inception.

My insurance claims adjuster has tried to contact BMW over 15 times and put on hold for over 15 minutes and will not spend any more time on this matter.

BMW will not send me any documentation supporting their claim that the car cash value is @ $ XXXX. 
No outside agency values the car at that price. 
I've sent a certified letter to them in reference to this matter, as well as XXXX internal messages on their secured server.
Product: Debt collection

PRO COLLECT INC. I DISPUTED ONCE THEY NEVER MAILED ME ANY INFO AFTER I ASK. THEY HAVE THE WRONG PERSON I NEVER LIVED AT THIS ADDRESS I BEEN AT MY HOME SINCE 1998 HAVE THEM REMOVE IT FROM MY REPORT
Product: Credit card

I received a call in XXXX from HSBC collection regarding a charge I did not make. I have not used this card for over a year and it has a zero balance. There is an unauthorized charge on the card and I reported this to the HSBC Fraud division. I have a notice from HSBC dated XXXX XXXX, 2016 informing me of a data breach and the charge took place XXXX XXXX, 2016. HSBC security is denying my claim based on the charge taking place within 20 miles of my home. It is unclear to me what distance has to do with fraud. They have requested a police report to re-open their investigation, I filed and received the report that was submitted to HSBC. They continue to deny my claim. This is XXXX unprofessional and fraudulent on the part of HSBC in protecting my data and financial interests. I have requested they dismiss the charge, interest and penalty and they continue to refuse.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Despite providing clear documentation and evidence to support my dispute, XXXX neither removed nor corrected the erroneous account information. 

This failure aligns with the recent Consumer Financial Protection Bureau ( CFPB ) lawsuit against XXXX, which highlights systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and neglecting to adequately notify consumers of dispute outcomes. 

In my case, XXXX failed to provide documentation verifying the accuracy of the disputed accounts, as required by law. This lack of transparency and accountability has directly impacted my creditworthiness and financial opportunities. 

I urge the CFPB to investigate XXXX 's ongoing violations and ensure they are held accountable for neglecting their legal responsibilities. Consumers deserve accurate credit reporting and a fair process when disputes arise.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX SSN : XXXX | DOB : XX/XX/year> Experian XXXX XXXX XXXX XXXX , TX XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 
Account Name : 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

M & T Bank is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of M & T Bank telling it my problem.
Product: Student loan

XXXX later to become Navient held both federally insured student loans for my XXXX and XXXX. 

From approximately XX/XX/XXXX through XX/XX/XXXX I was involuntarily unemployed. XXXX advised I could go into forbearance and did not offer a hardship deferment as an option. The result was an exponential increase in my debt by accumulating interest charges. 

In about XX/XX/XXXX I consolidated all of my debt with the DOE to qualify for ICR repayment and later public service forgiveness. I spoke to the DOE Ombuds Office who said they understood the situation but could not do anything as the issue was with XXXX/Navient. They suggested I reach out to your office.
Product: Mortgage

This claim is a subsequent claim # XXXX that was submitted to you. According to the response provided : the information on the above claim were completely ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft.  XXXX ,  XXXX   and Trans Union  has the following address listed on my credit report :  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , MN  XXXX , the address do n't belong to me. I have never resided at that address.
Product: Credit reporting or other personal consumer reports

To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : XXXX. XXXX, XX/XX/23 XXXX. XXXX XXXX, XX/XX/23 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681 b ( c ) and a serious breach of my privacy rights. 

Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having issues with this collection agency for sometime. They refuse to show any documents or the original contract. The account still reports inaccurately to my credit report and I have sent them a letter stating that there are many errors with the way it is being reported to all 3 credit bureaus, from the account status being reported as open when it is a collection and a collection account CAN'T be open if it is an account that was already charged off. To payments being reported as well or late payments being reported when the account is a collection how are there payments being made? There are many errors and I want it removed from my credit report.
Product: Vehicle loan or lease

On XX/XX/2020 I was told by XXXX XXXX XXXX XXXX that I had to put a down payment of {$8000.00}. They claimed Ally Finical asked for that amount. XXXX XXXX XXXX XXXX is in Violation of 15 US code 1605. I'm requesting my downpayment of {$8000.00}. to be returned to me within 10 calendar days.
Product: Credit reporting or other personal consumer reports

The credit bureau XXXX XXXX credit score XXXX times a month. This action has resulted in a very low credit score and has caused my credit cards to close the accounts on me because of my constant change in credit score.
Product: Credit reporting or other personal consumer reports

dated : XX/XX/XXXX Per the FCRA ( Fair Credit Reporting Act ) as a federally protected consumer. I am now opting out of " any and all " authorization. I the consumer may have given you written, unwritten, verbal, and non-verbal, per 15 USC 6802-6805, Privacy Act Of 1974. 

Also in violation of : 15 USC 1681 Permissible Purposes - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe. 

- In other words meaning ( I ) the consumer have to first and foremost give written signature/consent to rightfully endorse.
Product: Checking or savings account

As an American with faith in our financial system I chose Wells Fargo as my second chance bank in an environment that slaughter the Wells Fargo identity.
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Unfortunately, the news reports about Wells Fargo continue to be true after the claim of several millions in investments to repair problems with consumer protection.
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I was notified the bank would be changing my savings account to a checking account on XX/XX/XXXX. I already had a checking account with Wells Fargo and assuming the notification was in my best interest I moved all funds to my checking account.
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None of my auto pay setups from my checking account were transferred and in early XXXX I began questioning charges from XXXX XXXX XXXX of XXXX. The company had overcharged my account several times even with the assertion that my checking accounts had overdraft protection.
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The dispute with XXXX led to a refund of over {$1000.00}. This was not a settlement but proof to my trusted bank that XXXX was allowed to override the supposed overdraft protection and subsequently sent my account into negative for more than {$1200.00} including overdraft fees from the bank.
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When I voiced my concerns to Wells Fargo in late XXXX I lost all access to online services and received several statements in the mail that did not reflect the activity I was concerned about at the time. I am XXXX and XXXX. I hoped to use retirement funds deposited into Wells Fargo to allow whatever is left of my life to help others.
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Last Friday before a medical appointment I stopped by the downtown branch in XXXX, Mississippi and requested and received the statements I needed to show there had been activity on the account long after I requested it be closed. Wells Fargo sent the account to collections bearing a different amount.
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The statements I received do not show why there was a change in the amount but the charge off reflects nearly a {$1000.00} difference from the credit company now hounding me for the overdrafts.
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Nearly {$14000.00} dwindled to a - {$1200.00} balance with little to no interaction with the bank about how this occurred or how to stop it. I spoke with a bank manager from XXXX today who is still refusing to put words in writing about this incident. I was XXXX  and XXXX XXXX at my temporary residence recently. I have informed Wells Fargo of the danger of ignoring this problem as I struggle for life.
<P/> XXXX XXXX and XXXX XXXX of the downtown XXXX location have refused to communicate a resolution or understanding of what happen in writing at this point. I have been offered phone conversations but as you read this I hope anyone is aware written communication for a problem as large as this is absolutely necessary.
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Wells Fargo has the ability to pay big money to shut me up. I am broke because I gave all my money to Wells Fargo.