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

I am submitting this response to address Equifaxs inadequate handling of my recent credit report dispute. Their investigation results raise serious concerns about compliance with the Fair Credit Reporting Act ( FCRA ), specifically regarding their obligations under Section 623 ( b ) and Section 611.

Background I disputed several items on my credit report and requested verification and substantiation of the reported information under Section 609 of the FCRA. I reminded Equifax of their duty to ensure that all items reported are accurate, complete, and verifiable, as required by Section 611 ( a ) ( 1 ). However, their response failed to meet the legal standards set forth by the FCRA.

Equifaxs Response Equifaxs investigation results were as follows : Multiple items were marked as verified, but Equifax did not provide any supporting documentation or evidence from the furnishers substantiating the accuracy of the information.

One item ( XXXXXXXX XXXX  ) was deleted, but no explanation was given as to why it was deemed unverifiable. 
Certain items were reported as non-reporting, yet Equifax did not clarify whether these items had previously been reported in error or why they were included in the dispute results. 
Equifax stated that inquiries could not be removed, but failed to address whether those inquiries were reviewed for accuracy and permissible purpose under the FCRA. 
Violations of the FCRA Equifaxs handling of this dispute violates the following provisions of the FCRA : 1. Section 623 ( b ) : Duties of Furnishers of Information This section requires furnishers to conduct a thorough investigation when a dispute is received from a credit reporting agency. The furnisher must : Review all relevant information provided by the consumer and the credit reporting agency.

Verify the accuracy of the information.

Report the findings to the credit reporting agency.

If the furnisher can not substantiate the accuracy of the information, they must notify the credit reporting agency, and the information must be deleted or corrected.

2. Section 611 ( a ) ( 5 ) : Requirement to Delete Unverifiable Information Equifax is obligated to delete or modify any disputed information if the furnisher fails to provide sufficient evidence of its accuracy. Simply marking items as verified without substantiating documentation is insufficient and does not satisfy this legal requirement.

3. Lack of Documentation and Transparency For every item marked verified, Equifax failed to provide documentation or evidence showing the basis of the verification. This lack of transparency suggests that no substantive investigation was conducted, in direct violation of Section 611 ( a ) ( 1 ).
Product: Mortgage

CFPB NEVER INVESTIGATED THE SUBSTANTIATED DOCUMENTS AND INFORMATION I PROVIDED THE FIRST TIME! 

CFPB REPORTED I SUBMITTED THE SAME CLAIM. IF THAT IS SO, Why Didnt I get Specific answers to questions and accusations I posed. 

I dont believe CFPB Never investigated the Verifiable information I handed in. NOR DID I RECEIVE THE SPECIFIC ANSWERS TO WHAT BACKUP CONTACTS, DOCUMENTS, AND DID NOT CONTACT THE MANAGERS NAMES, with PHONE NUMBERS I PROVIDED THEM WITH. 

-CFPB NEVER PROVIDED ME WITH ANY SPECIFIC AND DIRECT FEEDBACK TO THE QUESTIONABLE BUSINESS PRACTICES OF FAY SERVICING. I EVEN HIGHLIGHTED THE DOCUMENTS FAY SENT ME WITH CONTRADICTIONS THAT WERE MADE WITHIN DIFFERENT DEPARTMENTS OF FAY. 

-FAY SERVICING HAS BEEN INVESTIGATED AND FINED FOR MANY OF THE SAME REASONS I PROVIDED WRITTEN DOCUMENTED PROOF OFF. 

-I BELIEVE CFPB IS A PAPER TIGER AT BEST THEY APPEAR TO WANT TO ONLY BIG CASES THAT THEY CAN PUBLISH AND RECEIVE ACCOLADES FOR! 

I BELIEVE THESE INSTITUTIONS ARE AWARE THAT THERE IS NO REAL RECOURSE OR CONSEQUENCES TO THEM. 

THEREFORE THEY CONTINUE WITH THE SAME PRACTICESWHY? BECAUSE THEY KNOW THEY CAN WITHOUT SIGNIFICANT CONSEQUENCES ( WHY WOULD THEY CHANGE, THEY CAN MAKE MORE THEN THEY CAN LOSE USING THE SAME TACTICS AS WHEN THEY WERE FINED WITH NO SIGNIFICANT RECOURSE. 

THE FINANCIAL INSTITUTIONS THAT USE FAY ARE AWARE OF FAYS DUBIOUS BUSINESS PRACTICES. THESE FINANCIAL INSTITUTIONS GET THEIR NEGATIVE REPUTATIONS AS THEY TURN THEIR HEADS AND -MINIMIZE THE TRUE HARM AND DAMAGE THEY ARE PROMOTING BY HIRING FAY SERVICING. THEY KNOW, BELIEVE ME THEY ALL KNOW WHAT IS REALLY GOING ON AND DO NOTHING TO STOP IT WHY SHOULD THEYTHE FINANCIAL INSTITUTIONS KEEP MAKING MORE PROFITS THEN EVER BEFORE. THEY FACE LITTLE OR NO CONSEQUENCES FOR THEIR ACTION CFPB IN ESSENCE IS HELPING THESE MORALLY BANKRUPT FINANCIAL INSTITUTIONS BY NOT INVESTIGATING THE SMALL AVERAGE JOES COMPLAINTS. 
-AND AND -THE FINANCIAL INSTITUTIONS KNOWS THIS. THEY USE CFPB AS A SUPPORTIVE ORGANIZATION FOR THE QUESTIONABLE PRACTICES THEY USE. 
-MUCH APPRECIATION TO CFPB FOR PRETENDING TO PROTECT THE PUBLIC -IN ESSENCE CFPB IS COMPLICIT FOR APPEARING TO HELP US THE LITTLE GUY, YET ARE NOT WILLING TO MAKE THE HARD AND TOUGH DECISIONS NEEDED! 

Is CFPB AFRAID OF REPERCUSSIONS FROM THESE INSTITUTIONS. 

XXXX BELIEVE THEY ARE SCARED STIFF OF THEM! 

-CFPB THE PAPER TIGER WITH NO BACKBONE! GOOD RIDDANCE TO THEM AND THOSE THAT PRETEND THEY ARE HELPING THE COMMON AMERICAN ( The Little Guy and Average XXXX  -Regardless that CFPB IS UNLIKELY TO PRINT NEGATIVE COMMENTS ABOUT THEMSELVES IF NOT ME WHO You can RUN CFPB, FAY , and THE BANKS -BUT YOU CANT HIDE
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint against : XXXX XXXX XXXX, XXXX, XXXX  and Experian I purchase a vehicle in XXXX that was was voluntarily repossessed by XXXX XXXX XXXX in the State of Connecticut on or about XXXX of XXXX, and resold on an unknown date. My beginning balance on this account was {$20000.00}. I also made at least 24 payments of {$350.00} XXXX {$8400.00} XXXX. This difference is close to the reported balance. However, I never received credit for the sale of the car & was also informed by the IRS that a XXXX tax form, 1099-C, was issued by the creditor ( please see the attached IRS transcript ). The original creditor never sent me a notice of sale nor any documentation related to the issuance of the 1099-C. 
THIS TRANSPIRED TWO YEARS AFTER THE VOLUNTARY REPOSSESSION DATE.
Product: Credit reporting or other personal consumer reports

I am REWRITING to AMERICAN CREDIT ACCEPTANCE to dispute inaccurate information on my credit report. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. My date of birth is XX/XX/1976. The FTC report number related to this complaint is XXXX. I have identified entries on my credit report that appear to be either duplicated or incorrect, and for which I did not provide authorization. As a consumer, I am entitled to have inaccurate or unverifiable information removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Please review my report and remove any entries that do not comply with the FCRA, specifically under FACTA Title 1, Section 151, which mandates accurate and verifiable reporting. I request that you address this matter promptly and provide confirmation of the resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX 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. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$140.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$21000.00} XXXX  # HXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XX/XX/XXXX -- {$300.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$2200.00} UNKNOWN ACCOUNT # XXXX XX/XX/XXXX -- {$810.00} UNKNOWN ACCOUNT # XXXX XX/XX/XXXX -- {$780.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX have all violated my rights .

15 U.S.C. 1681 section 602 A states that 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 filed an FTC report and a Police report on XX/XX/XXXX when I discovered that I had been a victim of identity theft. CAPITAL ONE and XXXX XXXX were notified by each credit bureau that their accounts reporting to my credit file were fraudulent. CAPITAL ONE and XXXX XXXX have NOT responded. It has been more than 30 days. ( EACH ACCOUNT WAS REMOVED XX/XX/XXXX ). 
It has recently come to my attention that CAPITAL ONE and XXXX XXXX accounts have updated on XX/XX/XXXX and XX/XX/XXXX to my credit files and decrease my credit score. CAPITAL ONE and XXXX XXXX have not responded to any of my notices. CAPITAL ONE and XXXX XXXX were removed from my credit files on XX/XX/XXXX due to their non-response. 
It has recently come to my attention that 3 ( three ) accounts were added back to my credit files after removal on XX/XX/XXXX. I was unaware of this until now. I have already contacted each company again individually and I have not received a notice before any account was reinserted to my credit files. This is a violation of the F.D.C.P.A. 
CAPITAL ONE is reporting the amount of {$550.00}. Proper documentation from CAPITAL ONE was NOT provided to MY NAME to allow CAPITAL ONE to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. There are now 2 ( two ) duplicate accounts listed on my credit files for CAPITAL ONE each with different open dates. 
CAPITAL ONE received an additional notice on XX/XX/XXXX via certified return receipt. CAPITAL ONE has not responded. All information was also forwarded to each credit bureau. 
XXXX XXXX is reporting the amount of {$3500.00}. Proper documentation from XXXX XXXX was NOT provided to MY NAME to allow XXXX XXXX to verify the accuracy of the data before reinserting their account with the credit bureaus for collection. This account was removed from my credit files on XX/XX/XXXX. 
XXXX XXXX received an additional notice on XX/XX/XXXX via certified return receipt. XXXX XXXX has not responded. All information was also forwarded to each credit bureau CAPITAL ONE and XXXX XXXX are each listed as a collection / charge-off accounts and is currently updating in violation of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq. CAPITAL ONE and XXXX XXXX have repeatedly violated the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in my disputes but still no response
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card opened at XXXX XXXX on XX/XX/XXXX under the XXXX account number, a credit card opened at XXXX XXXX XXXX on XX/XX/XXXX under the XXXX account number. These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding the failure to properly investigate the tradeline reported by XXXX in accordance with the FCRA. 

Please see ALL attached documents and the facts below. 
FACTS : XXXX states that the account that they are reporting was created in XX/XX/XXXX. 

XXXX did not have a correct email address or phone number on the account for me but the account was in my name. I never knew the account existed. 

I rented the XXXX XXXX XXXX XXXX XXXX out to tenants in XX/XX/XXXX- XX/XX/XXXX. 

My residence address on my driver 's license did not change in XXXX of XXXX. XXXX did not obtain a copy of my drivers license from me. 

The address change on my driver 's license took place 17 months after an account was created with XXXX. This still does not validate the account ever being authorized. 

The facts are XXXX does not have any copies of identifying information to verify that I authorized an account with them and the biggest red flag is the amount of research that they seem to do on the back end but little to no research when creating an account. It does seem that XXXX should utilize their research up front to avoid unauthorized accounts being created.
Product: Debt collection

Portfolio Recovery is again calling my cell and violated..I requested more then once all contact should be in writing and no phone calls.Both in writing and in my complaint here as well. Please refer to my complaint XXXX.Today I received a call to my cell phone at XXXX from Portfolio Recovery.Each phone call I have received is a violation.They have also sent me another letter again admitting they can not complete an investigation.Yet they continue to harass me.
Product: Debt collection

THIS COMPANY IS NOT LICENSED TO COLLECT DEBT IN NEW YORK OR CONDUCT BUSINESS IN NEW YORK. Failure to Provide documentation or information affirming your legal authority to pursue debt collection activities within the jurisdiction of New York. This may include licensing details, certifications, or any other relevant documentation that demonstrates your compliance with state laws.
Product: Credit reporting

Enclosed are copies of XXXX ( XXXX ) separate reports from you showing that the information you are reporting is incorrect. Your report numbers are XXXX and XXXX. In these reports you are reporting a payment history from XXXX XXXX to XXXX XXXX and a close date of XXXX XXXX. This is totally incorrect! 

Also included in this communication is a copy of a letter from the creditor, ( XXXX ), dated XXXX XXXX, XXXX attesting to the fact that the information you are reporting is incorrect. 

Their document goes on to further state, " the account was closed on XXXX XXXX, XXXX ''. Not XXXX XXXX, as you are reporting. 

As the document from XXXX, Office of the President states, " The XXXX XXXX billing statement is also the last billing statement generated for the account since no additional transactions occurred after that timeframe ''. Also, " XXXX has requested date of last activity to be reflected as XX/XX/XXXX ''. 

You have and are reporting a payment history, where there has been none. You are also reporting this account closed XXXX XXXX, which is incorrect. XXXX has given proof with their document that you are reporting incorrectly. 

Therefore, you must make corrective measures, and so this account shows a removal date in XX/XX/XXXX, not, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting or other personal consumer reports

l reviewed my consumer reports and noticed that l had two late payments on an account that l was never late for consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximun accuracy l have never been late on paymets for the account ( XXXX XXXX XXXX ) ( XXXX ) please investigate and provide proof with statement showing that these payments were be updated to on time as they should be as l was NEVER late Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

On the XXXX of XX/XX/2023 I received an email from Bank of America asking to verify my account, then a followed-up email saying that I have enrolled in online banking and last another email informing me that my application to open up a checking account was denied. I did not apply for any type of banking products from Bank of America. I did reach out to them today the XXXX of XX/XX/2023 about the emails and they did confirm that it was a case of stolen identity. The Bank of America representative did say that the application was denied and that no further action is needed. They did make some suggestion on making an official complaint with the FTC and to notify the Credit Bureau to freeze my accounts.
Product: Mortgage

On XXXX 2021, I contacted Shellpoint Mortgage to speak with my relationship manager Ms XXXX who have been assisting me with my foreberance extension and account. I sent a email to her to request the Foreberance extention and the email request bounce back. I went on Shellpoint website to request the extension of my Forberance which I had since XX/XX/2021 per American Rescue Act I have the right to request and extension up to 15 months if I was in a Forberance at that time. 
I was directed to call XXXX and was told my point of contact was changed XXXX and I was denied and foreberance extension. Did not ask me if I was still impacted from the Covid 19 disaster. I just felt discriminated against. I was also told I had a new contact person and I ask why because MsXXXX XXXX is aware of my challenges with the Disaster and has been working with me hanging my account. Then I was told that monies would be advanced to my HOA and that never materialized and now I am way behind per their letter in writing.
Product: Debt collection

I was told I could settle for {$360.00}, or had the option of paying {$400.00} and they would remove the collection from my credit report like it had never happened. The collection was reported as settled for less than full amount and when I called to get it corrected I was told they had no record of the extra {$40.00}. When I asked to speak to a supervisor, I was hung up on.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.this issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

I was unfortunately a victim of a scam on XX/XX/XXXX who claimed the money was sent to supervisors representing XXXX XXXX XXXX XXXX XXXX. The amount sent from my personal account totaled {$2500.00} through XXXX on the Chase mobile app. The first transaction was sent to a XXXX XXXX XXXX for {$2000.00} and the second was to a XXXX XXXX XXXX for {$500.00}. I am attaching evidence of the transactions to the phone number the scammer provided. 

I called Chase the next afternoon with a claims specialist to report every information I could communicate on the two transactions involved in the scam including what exactly happened and what misled me to send money to scammers ( including being threatened multiple times to cut off electricity from the restaurant I own if I do not pay these scammers ), and necessary information about the recipients. 

After about a week has passed, I have received the conclusions from Chase on the claims for the two XXXX transactions. On XX/XX/XXXX, the first transaction of {$2000.00} concluded there were no faults and the transaction is considered legitimate. As for the second transaction finished and sent on XX/XX/XXXX, Chase has managed to refund me back the {$500.00} and agreed the transaction was incorrect. 
So today I just spoke with one of the claims specialists from Chase for information about the first transaction of {$2000.00} and communicated to me the same information that was written on the letter telling me there was nothing wrong and the transaction was considered authorized based on what I thought I reported last time. 

Based on the current information they told me, I think what happened on the day I reported was the {$2000.00} transaction was still pending and the {$500.00} payment already went through which was why my report could have only applied to the {$500.00} and not the {$2000.00} transaction. I attempted to make another claim through the Chase mobile app on the {$2000.00} transaction and the only button on there was to send a dispute ( which I did not think through as I thought there was an option to input my report ) which turned out to be the one the investigators looked at. 

*Other actions I have taken on that day include contacting with local police, reporting to FTC with report ( with report # XXXX which in addition I will share in one of my attachments ), deactivating my XXXX profile on Chase XXXX and changing my phone number in fear of being contacted by those scammers again