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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against Equifax for Violating FCRA Dear CFPB, I am writing to formally lodge a complaint against Equifax for its blatant violations of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in consumer reports. The recent findings by the CFPB, which resulted in Equifax being ordered to pay {$15.00} XXXX for improper investigations of credit reporting errors, highlight a pattern of negligence and disregard for consumer rights that can not be overlooked. 

Equifax 's failure to conduct adequate investigations into disputed information is not just a technical breach ; it is a harmful practice that has real consequences for consumers like myself. The CFPB 's investigation revealed that Equifax 's processes for handling consumer disputes are fundamentally flawed, limiting our ability to accurately present our concerns. This is an egregious violation of our rights as consumers.

1. **Inadequate Investigations** : Equifax has repeatedly failed to thoroughly investigate disputes, often ignoring relevant information provided by consumers. This lack of diligence has resulted in misleading and contradictory communications, leaving consumers confused and frustrated. 

2. **Excessive Deference to Furnishers** : Equifax has shown a troubling tendency to rely on furnishers ' responses without critically evaluating their validity, even when contradictory evidence exists. This practice severely undermines the integrity of the credit reporting system.

3. **Confusing Responses** : The letters I received from Equifax after disputing inaccuracies contained contradictory statements, such as declaring items both " verified as accurate '' and " deleted. '' This inconsistency is unacceptable and indicative of a systemic failure to uphold consumer rights. 

My recent experience with Equifax further exemplifies these issues. Despite my credit report indicating a clean standing, their handling of my dispute regarding the XXXX XXXX account was inadequate. Equifax 's response did not address the core of my complaint and instead provided vague reassurances without substantiation. 

Furthermore, I am in possession of a letter from XXXX XXXX XXXX confirming that they sent updated information to all three bureaus, including Equifax. This contradicts Equifax 's claims of " non-reporting '' of the disputed item on my credit file. 

Given this ongoing pattern of neglect and non-compliance with the FCRA, I urge the CFPB to take immediate action against Equifax. Consumers deserve a fair and accurate credit reporting system, and Equifax 's practices have consistently failed to meet these basic standards. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, WF CRD SVC, on XXXX XXXX, 2020, XXXX XXXX and on XXXX XXXX, 2020, XX/XX/XXXXadd a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable investigation of the disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience where Experian has neither corrected nor removed disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

XX/XX/2019 KeyBank charged four overdraft charges of {$38.00} posted to our account when our account had a positive balance. The first overdraft charge caused us to go into a negative balance, once our account had a negative balance three charges that we had made posted to the account and we were charged the other three overdraft fees because their first overdraft fee on a positive balance account caused us to go to a negative balance. Attempted to resolve and was given many no 's before only managing to squeeze one waived fee from them. All of this occurred while our online banking showed that we had a positive available balance.

XX/XX/2019 The overdraft fees mentioned above did not show on our account until this morning, a full day after they were supposedly posted to our account. Our online banking showed a positive balance the entire day on XX/XX/XXXX so we used our account. Because of this, the four transactions that we're made on XX/XX/XXXX will also cause us to receive four more overdraft fees even though their system relayed to us that there was no issues with our account and that we had a positive balance. These are unethical and negligent practices.
Product: Credit card

Ive had a Lowes CC for 4 years. Without probable cause, Syncrony Bank decreased my credit limit from XXXX to XXXX, which is damaging to my credit score. Ive never been late with payments or any other opened account on my credit report. Ive never used above 30 % of my available credit on this card. Synchrony Bank has unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XXXX, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX  XXXX XXXX and XXXX and XXXX accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report.

1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA
Product: Debt collection

I have a medical collection posted on my credit report from Commonwealth Financial Systems ( CFS ). The debt is not mine. I have contacted CFS to verify the debt. I requested to be provided with a proof that this debt belongs to me, as any accounts I might have had are obsolete. They did not provide me with any document or evidence that this debt is mine. Under HIPAA privacy laws CFS should not have any of my personal medical information, unless they have a " written '' agreement with the original creditor to collect debt on their behalf. I have called CFS several times and I have send certified letter requesting to cease and deceit from reporting incorrect and false information to the credit report agency. CFS have not responded to any letters I have send to them. Commonwealth Financial Systems continues to report false information on my credit report.
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( XXXX ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) Chain of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EQUIFAX in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX and they have failed to do so.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I received a text message from a fake Wells Fargo employee saying that my account was compromised and then they called me and told me to withdraw money from my account to prepare for a new account. I withdrew {$6000.00} from the XXXX XXXX  and deposited it into an apple card account that was given to me by the scammer and then they asked me to withdraw the rest of my account which at that point, I felt like it was a scam and was confirmed it was a scam when I called a true Wells Fargo employee. Wells Fargo refuses to send me a refund. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Equifax security breach My personal information an identity has been compromised and used open credit cards accounts and loans to obtain goods in my name I would like the fraudulent accounts in my name removed from my Equifax credit due to Equifax security breach XXXX XXXX XXXX Amount XXXX Date opend XXXX XXXX 2017 2017
Product: Student loan

1. I immediately filled for IBR immediately after President Obama 's State of the Union in XXXX. I am a XXXX and was told that after 120 payments my loan would be forgiven. Under the new system we were allowed to claim as far back as 2 years. So I filed with XXXX XXXX at the time. XXXX XXXX. 

2. Navient purchased themselves ( XXXX XXXX ) and I was informed nothing will change but the name. So I paid my loan as prescribed under IBR sometimes {$0.00} and each year provided proof of income. 10 years meant that inXX/XX/XXXX I would be free of these loans under IBR and when I inquired I was told I had only been in IBR 3 years. Which is not true. I asked for the loan forgiveness and was lied to by NAVIENT. 

3. So I filled again for IBR well before the deadline of XX/XX/XXXX I waited and then in XXXX I received a notification that my IBR was approved for {$840.00} per month. What? So I called NAVIENT on or about XXXXXX/XX/XXXXand was told by the representative that I need to resubmit the IBR form and current pay stubs. So I did online. I was informed that it would take XXXX days. 16 days passed and no communication. So now I am coming up on the payment for XXXX. It is mid-month so I resubmitted the forms VIA traditional Fax. Again waited ... 11 days. No actin and NO communication. So I called Navient on XX/XX/XXXX. 

4. I spoke with XXXX XXXX and he informed that since the loans are under my ex-wife 's name and she is a teacher making very little we qualify for PAYE or REPAYE and need to make XXXX payments -- see above. So I said okay let 's do this. I repeatedly asked him to make sure that this is for account number xxxxxxx. He kept shrugging it off then said I just need a payment of {$740.00} on a credit card. I figured okay this must be to satisfy my payment. Then he tells me XXXX will be taking care of me and we will be on the PAYE plan. 

5. I keep receiving e-mails from the XXXX XXXXXXXX XXXX XXXX and XXXX. In the meantime NAVIENT is hounding me for the XXXX payment. I contact XXXX and they tell me it will be 6-8 weeks until the loan is under PAYE/REPAYE. So I wait. 

6. I fax ( phone ) NAVIENT explaining what is going on and they put my payment at {$0.00} as administrative forbearance. 

7. TODAY XX/XX/XXXX I received a letter from Federal Loans telling me I do not qualify for the consolidation since NAVIENT has placed my loand in consolodation as IBR. Sooooooo here I sit having paid an enormous fee via NAVIENT, through their rep -- XXXX XXXX, and am NOT receiving what I am paying for. I was scammed and now XXXX XXXX and XXXX have my money with no results and I am on IBR again and not PAYE/REPAYE. 

This is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 
3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act convergent 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 : if also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, 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 XXXXXXXX XXXX XXXX  Account number : XXXX. 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: Credit reporting, credit repair services, or other personal consumer reports

I appreciate CREDIT BUREAUS ' time to REMOVED some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 XXXX, XXXX and TRANSUNION are required to remove any items listed on an ID THEFT REPORT XXXX. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Please remove the followng items Per FCRA 605B ( 15 U.S.C. 1681c-2 ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX AV XXXX XXXX, MI XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; DEPTEDXXXX XXXX Balance Owed : {$0.00} ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ;
Product: Debt collection

I am writing to file a complaint against PROCELLECT, INC ( hereinafter referred to as " the company '' ) for their attempts to collect a debt that I do not owe, as well as for their failure to remove the collection record from my credit report and their recent addition of a new record to another credit bureau under my name. 

In XXXX XXXX, I received a debt collection notice from PROCELLECT, INC, claiming that I owed an outstanding debt of {$720.00}. Upon receiving this notice, I immediately contacted the company to dispute the debt, as I had no knowledge of it and believed it to be an error. I provided them with all necessary documentation to prove that the debt was not mine. Following our conversation, a representative of the company verbally agreed to remove the collection record from my credit report. 

However, despite their assurance, the company failed to remove the collection record as promised. Furthermore, they neglected to respond to my previous claim and have now added a new collection record to another credit bureau under my name. These actions have negatively impacted my credit score and have caused me undue stress and financial harm. 

I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against PROCELLECT, INC. I am seeking the following remedies : * Immediate removal of all incorrect collection records from my credit report across all credit bureaus.

* Written confirmation from PROCELLECT, INC that the debt in question is not mine and that all collection attempts have ceased. 
* An investigation into the company 's practices to ensure that similar incidents do not occur with other consumers in the future. 

Please find attached copies of the debt collection notice, documentation provided to PROCELLECT, INC, and any correspondence I have had with the company, as evidence to support my complaint. I appreciate your prompt attention to this matter and look forward to your assistance in resolving it. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, XXXX XXXX XXXX XXXX Enclosures : FTC REPORT, Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX* Balance : {$350.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and wrote to have the wrong addresses and aliases names removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the car dealership XXXX XXXX XXXX XXXX XXXX  they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted claim # XXXX, which was closed back in XXXX of 2022. The complaint was issued as NC Financial had not responded to my correspndence over a long period of time. As of today, the balance due for my loan, account # XXXX, is still incorrect. The balance has been at {$2900.00} for some time, and I am requesting that the balance due be updated every 30 days until paid in full.