23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXXXXXX : {$370.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy 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 the account is accurate, without providing any evidence of a inorough 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.
Product: Student loan

I keep getting phone calls from Sally Mae over a student loan called today 2 times XXXX number was XXXX do not have a student loan, and have never had a student loan.. They keep harassing me by calling me ... This call was at XXXX XXXX/XXXX/2016 Caller ID says private. I looked it up online, It is Sally Mae. I have already turned in a previous complaint with a different Phone number, that called me before. I want {$5000.00} for harassing me. These are robo calls. I received another call at XXXX XXXX XXXX/XXXX/2016, Caller ID said unavailable, when I picked it up it was another robo call, ,about a student loan and to press XXXX. I pressed XXXX and blasted the foreign speaking guy with my air horn.. I want another {$5000.00} for that call. This is just harassment for something I do not have a student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter out on XX/XX/XXXX via fax to XXXX XXXX dispute department. After failing to send my investigaion 30 days after recieving my dispute letter, they sent back the investigation results almost XXXX months later. The information on my credit was concluded as accurate. I then received transaction history report from XXXX XXXX XXXX XXXX and realized that there were inaccurate information on the document. According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer a 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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received an installment loan from Oportun. I have fallen behind, but the account is not in collections. 
Between XX/XX/XXXX and XX/XX/2023, I received 13 phone calls. 
Between XX/XX/XXXX and XX/XX/2023, I received 22 phone calls.
Product: Checking or savings account

Between the dates of XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, my Regions bank account and my XXXX XXXX account were hacked. The hacker transferred money from my Regions account to my XXXX XXXX account and then transferred the money into XXXX and sent the XXXX to an XXXX XXXX I submitted a claim through Regions, but they stated that my claim was denied because Ive used XXXX XXXX before. The hacker stole {$2100.00}. This is the money that I was going to use for my mortgage ; however, I am a month behind since the money was stolen from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2016, I was shopping in XXXX XXXX XXXX. I stopped at the food court and bought a meal. After I finished eating, I went into XXXX XXXX to try on a couple of suits. I didn't see anything I liked or that fit me quite right, so I decided to leave the mall. When I got back to my car, I realized that my wallet was missing. I immediately ran back into the mall and retraced my steps to see if I could find it. I checked the food court and the dressing room where I tried on the clothes. I couldn't find it and no one else had seen it either. I cancelled my bank and credit cards and made plans to go get another social security card and license. 

Recently, I had my credit pulled because I'm trying to purchase a home and noticed some accounts and inquiries that didn't belong to me and that I didn't authorize to be opened. XXXX XXXX ( from XXXX XXXX ) and XXXX accounts from World Finance Corporation. I never opened those accounts nor did I sign or authorize anyone to open those accounts on my behalf. I believe those accounts are the direct result of me losing my wallet in 2016 at the XXXX XXXX XXXX. 

I also see that someone applied for a car in my name resulting in various inquiries on my report. I did not apply for a vehicle, nor did I authorize anyone to run my credit and I surly didn't sign for anyone to run my credit. Here is a list of the inquiries that appear on my credit that were not authorized : XXXX XXXX CO, XXXX XXXX and XXXX XXXX XXXX The above is a list of all the accounts and inquires that resulted from identity theft. 

I am requesting that all three of these accounts and all three of these inquiries be removed from my credit reports with XXXX, XXXX and XXXX immediately. I have tried to resolve this matter with these companies as well as went through the normal dispute process offered by XXXX, XXXX and XXXX with no success. XXXX also including a copy of the police report that was filed for the identity theft.
Product: Credit reporting

Experian is not responding to any of my requests to investigate and remove accounts from my credit report that were opened fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised on XXXX XXXX, 2017 Equifax generated a dispute investigation result which holds a negative account with XXXX XXXX on my credit report and I have NEVER held an account with XXXX XXXX. I have called XXXX XXXX twice and it has been verified that I hold no record with XXXX XXXX. There is nothing in XXXX XXXX XXXX file with my social security number nor my name based on the information I received from XXXX XXXX directly. EQUIFAX sent me a file dated XXXX XXXX, 2017 stating that XXXX XXXX " verified this item is being reported correctly. This is my third dispute on this matter. At this point I not only want this removed from my credit report but I I also want to know what punitive damages are available to me and how I can move forward.
Either XXXX XXXX is violating federal law right now by verifying false information. Or EQUIFAX is violating federal law by conducting false investigations and fraudulent reports. I strongly believe that Equifax did not conduct an investigation on the matter at all.
I am also contacting the Attorney General 's office concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following XXXX  Accounts has violated my rights : XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to both Experian and XXXX on XX/XX/2023. To this date, I have not yet heard back from Experian in regards to the dispute. I received a response back from XXXX on XX/XX/2023, but the matters of the dispute were not rectified. The dispute was to notify Experian and XXXX of the unauthorized Disclosure of Nonpublic Personal Information. XXXX responded by saying that item belongs to me but I never disputed the fact that the item belongs to me, I disputed to them by stating that every account on my consumer report had disclosed my nonpublic personal information to a nonaffiliated third party without providing me with a notice that complies with the requirements of 15 U.S. Code 6803. This action is a clear violation of my privacy rights and an infringement upon the safeguards put in place to protect consumers like myself. Again Experian never responded to the dispute and XXXX did not do their due diligence in properly investigating this matter. 
Tracking Number of dispute for XXXX Tracking Number of dispute for Experian : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I lost my job in XXXX due to COVID19, I immediately filed for unemployment, I didnt hear anything from Unemployment of California for a long time and assumed it was because the overwhelming amount filed all at once. After weeks of nothing I finally received a request to verify my identity, and mailed back requested documents the same day. I finally received my full backpay bringing me to current benefits due to me at the end of XXXX! I made all payments up on time never late until I lost my job when the pandemic hit the world. This one infracture was due to something completely out of my control, and there was no state or government support to aid me with drowning financially unable to meet my normal responsibilities rent, food, credit cards, utilities, student loans etc. All of which have worked with me to update and defer payments during this unprecedented pandemic. That being said I was disheartened when I called Total and asked for them to remove the late from all 3 credit bureaus and they declined knowing the reason and not considering I have a flawless payment history prior. I feel this is severe and not my fault. I have resumed my excellent payment since after receiving my unemployment benefits. I just wish they would be compassionate during this one late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Equifax in XX/XX/2021 asking for the original creditor so I can reach out to the company reporting the collection. I have heard no response and it has been over 60 days. I want this account removed since I can not validate the debty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly a collection of ( 120 ) days past due on the XXXX partial account number XXXX. ( Please see page 11 of the attached credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} past due balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

i went to dealer told me they was only going to XXXX end getting a lot of inquires XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have view my credit report and I see there are inquiries that I are unknown of. And I want them off my credit report. These inquiries are on Equifax and I dont know why they are on there. 
Existing 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Mortgage

XX/XX/XXXX I reached out to Mr.Cooper for assistance they sent a email for document to review for a modification with a initial deadline for XX/XX/XXXX then it was extended to XX/XX/XXXX. I supplied the necessary information to Mr. cooper via email first time then I sent it via certified mail along with a cashiers check to their post office box. I was under impression everything was satisfied and I was actively working at getting back on my feet by getting a job and finding suitable arraignments for my ailing wife. I got many text messages and phone calls that went directly to vm with no ring and I didnt understand the process so when I would call in a representative would state your account is behind would you like to resolve the debt which made me upset because legally Im asking for assistance and they only care about the money. I eventually had to send documents to a senior magangment that shows that I timely filed within the deadline and the mixup is attributed to Mr cooper. Even with all that I get a notice saying my modification was declined because I dont file in the appropriate time. I filed within the timeframe they provided andI truly believe they are causing the account to purposefully Age I cant call with out cursing and screaming because nobody takes there job seriously and I take my life and commitments very seriously
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 40 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Checking or savings account

Hi I did a claim they denied it within less then XXXX hrs I lost my card an it was charged for XXXX it was less then XXXX hrs an they denied it which is why I'm contacting you
Product: Checking or savings account

I am trying to connect my PNC checking account with XXXX to make my rent payments. The app, XXXX, says that PNC has made a change to my account that prohibits me from linking my bank account with XXXX.
Product: Debt collection

I am being sued in a local district justice court by Midland funding on credit card debt that is way past the statute of limitations to collect and they are in violation of the Fair Debt Collection Practices Act. They have already filed a lawsuit against me. There are XXXX different credit card accounts they are suing me for. XXXX had NO payments made on it at all since XXXX. Therefore this debt is over XXXX years old and is not enforceable to collect in the state of Pennsylvania. The XXXX credit card has not been payed on since XXXX which makes this over XXXX years old and again in violation and is not enforceable to collect. The third credit card has not seen a payment since XXXX. This information came directly from the Midland Funding website with my accounts listed so this information is accurate and correct. They are in violation of XXXX of these XXXX credit card accounts. I want the lawsuit dropped immediately and all fees and costs associated to be dropped or I will contact an attorney and I will let him pursue legal action against Midland Funding for violating the statute law in Pennsylvania.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My identity was stolen, and an account with XXXX was opened using my information without my consent. I reported the information to the company, and they are refusing to remove and delete the account. I have gotten a police report and have shown evidence that the account does not belong to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with that is now reporting on my credit.
Product: Vehicle loan or lease

Financed a vehicle through Ally Financial ( Auto ) in the middle of XXXX and have yet to have access to my online account to view my information, messages, billing statements, make a payment etc. I received the welcome packet from Ally in the mail a few weeks after purchasing the vehicle and have been calling to get this issue resolved ever since. Which has been a little over 2 months now and hours of my life wasted on the phone. I have other accounts with Ally ( checking, savings, credit card ) and thought this would be a seamless process. I was wrong. I have made it to their highest level of customer service and there is no urgency to fix my account. Every time I call I am told the person handling my case will contact me, which still hasn't happened after three weeks now. Meanwhile, interest/late charges accrue and they are telling me nothing can be done about that. The only other options given to pay ( mail/phone ) come with extra fees or lead to higher finance charges. This is unacceptable and I feel like I am being taken advantage of. They literally advertise in the welcome packet to download the app/create an account to have access to above stated information and pay whichever way is most convenient. I have the call logs on my phone of when I started to call, how often, and how long I spent on the phone. I have screen shots of the error messages I get when trying to access my account, both on the mobile app and web browser. This is just a brief explanation, but has been a nightmare experience during an already difficult time in my life.