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

I am filing a complaint against Equifax for failing to property 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 ) 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. 
I want the CFPB to publish this
Product: Debt collection

THIS ACCOUNT IS NOT MINES. they reported on my credit and I end up having two of my creditors close my account because this was on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank filed a foreclosure after they said that they did not get our payments. In XX/XX/XXXX XXXX payments were made with cash at customer service in XXXX in XXXX they said the payments were received. I was given receipts for the transaction but the payments were never credited to my account. I contacted XXXX Bank and was told they never got the payments and they needed the receipts. The receipts were sent and nothing was ever done but a foreclosure process was started. I mad another payment on XX/XX/2018 at XXXX same location through XXXX the cashier said they received it but it was never received by XXXX Bank. I started calling the bank and was told nothing could be done until I got the information back from the Research department. I was not waiting any longer and demanded to speak to a supervisor after calling my representative XXXX XXXX. The date was XX/XX/2018 this had gone on far too long and my credit was ruined and my house is in foreclosure.
Product: Credit card or prepaid card

I dispute the charge below. 


Date of charge : XX/XX/22 Amount : {$6000.00} Name Merchant : XXXX XXXX XXXX XXXXr Car was fully insured by XXXXXXXX XXXX XXXX XXXX Company claims no insurance was purchased attached is a copy of the contract proof of insurance. Customer is fully indemnified as per contract agreement.
Product: Credit card

XX/XX/XXXX I paid my XXXX store card off. The balance was {$570.00} and I paid them {$600.00}. XX/XX/XXXX I contacted XXXX and inquired why I still had a balance. I was told a late fee was assessed. I then paid an additional {$15.00} even though I had paid them an extra {$25.00} the month prior. I continued to have late fees even though there were no more purchase made. I sent XXXX final payment of {$50.00} in XX/XX/XXXX. XXXX then reported to the credit bureau that I owe {$360.00} and reported my account as a charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with Lexis Nexis and the credit bureaus alike regarding the reporting of the bankruptcy entries reflected on my credit reports. In my most recent dispute to Lexis Nexis, I advised them that there were inaccuracies reflected in their reporting to the 3 major bureaus. Lexis Nexis responded ( see attached ) that after a reinvestigation of the data in question, they verified that the bankruptcy case number was accurately reporting.

How so? 2 different reference numbers are reflected among the 3 reports. 2 different filing dates are reported among the 3 reports as well as 3 different courts. These are evident inaccuracies that differ on the reports. Reporting per FCRA should be 100 % accurate. These are factual inaccuracies that Lexis Nexis is reporting and has not reinvestigated as they stated. If the reinvestigation had in fact been completed, they would have reflected consistencies among all 3 bureaus. These entries are inaccurate and should be deleted.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Experian XXXX and XXXX. Please delete the following accounts. XXXX XXXX bal. {$500.00}. XXXX XXXX XXXX {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note that this is the second request for assistance in reference to inquiries being made and allowed by Equifax that are listed on my report. I am in the middle of trying to obtain a loan and this is causing myself and my family hardship. After filing and calling Equifax more than three times, Equifax has refused to show proof of validity for inquiries that were posted on my report. My initial complaint was filed with CFPB back on XXXX XXXX, 2017 and I 've attached the response back from Equifax stating that the inquiries were factually proven to be mine ; however, again, they have not proven validity and I had a fraud alert placed on all three reports at the beginning of this year. According to the fraud alert clause, I should be notified every time a merchant runs my report, but I was not notified about any of these inquiries. Please review the attached and refile a complaint based upon Equifax 's refusal to show validity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX 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

Initiated dispute with TransUnion. Transunion responded by indicating the information is correct and continues to show this account in a derogatory manner. The account in question,   XXXX   was included in a Ch.  XXXX  bankruptcy, case #  XXXX  and has exceeded the 10 years and in violation of The Fair Credit Reporting Act.   Attached is documentation regarding this matter. This information is NO longer shown on either  XXXX  or  XXXX  credit agencies since the time allowed has passed. I am requesting this mis-information be removed immediately.
Product: Bank account or service

Redeemed cd at BB & T bank, XXXX XXXX, PA. They were unable to give me either a check or cash. Had to open a checking acct to have access to my funds. Did not want a checking acct. fortunately was able to close out that acct the next day at another branch.
Product: Mortgage

Fay Servicing , LLC has documentation that is not consistent on loan. A letter was attached that had a person name unknown to me XXXX XXXX, from XXXX, GA request for taxpayer with the loan # XXXX, the loan # created by Fay Servicing , LLC was XXXX. Also the Investor info is not consistent mentions XXXX that is affiliated with XXXX XXXX XXXX XXXX. XXXX XXXX is still trying to collect on the account and XXXX XXXX was the Investor backed by the government. Data breach has been involved ( see attached document ). My loans has been mixed up and when I call XXXX XXXX they still can see the loan Home Mortgage # of XXXX on file, they are acting as investors as well as services.
Product: Credit reporting or other personal consumer reports

for failing to follow reasonable procedures to assure accuracy, under 15 U.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to him of information reported about him to third parties.

No 1099c sent This has been written off as income but still showing up on my credit report. Non responsive to consumer which is me.
Product: Credit reporting

I have disputed with all XXXX Bureau 's about Hard Inquiry on my credit report and was told that they can not remove them and that I needed to contact the institutions and that the institutions needed to send a letter to each Bureau to have them removed. I did what each Bureau told me to do. It took me a week to get any type of answers from each creditor. The Creditors were suppose to send a letter to the each Bureau to have it removed. I waited a month and the inquiries are still on my credit report. I contacted all XXXX Bureau 's and they are still refusing to remove them even after I contacted the Creditors to have them remove them. I am not sure what else to do.
Product: Credit reporting 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. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? 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 ) & 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened is the credit reporting agencies do not seem to be doing their job or not doing such a good job. When one has been defrauded as I have and taken all the proper channels of reclaiming my life and reporting unauthorized accounts unknown to me then for companies as such as Experian, XXXX, and XXXX  not to respond responsibly then I have no other choice but to turn to the FCRA/FTA if this can not be resolved. I'm also requesting the Method Of Verification used in this investigation conducted by the 3 credit reporting agencies. Name / title of the investigator, means of any and all documentation that gives them the authorization to even report such accounts on my file. If not then these accounts shall be removed and blocked from my credit files. 

1 ) XXXX  XXXX XXXX {$1700.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$720.00} 3 ) XXXX XXXX XXXX   XXXX {$560.00} 4 ) XXXX  XXXX XXXX  {$850.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX  XXXX {$0.00} 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts listed below, 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Negative Accounts : Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX  Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Account Number : Ending in with XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Reporter : TransUnion Reported incorrectly as Charge off, this was paid on time and in full. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX % Reported incorrectly as 30 days past due on XXXX and XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Account Number : Ending in XXXX Original Lender : XXXX XXXX XXXX XXXX XXXX Original Balance XXXX Credit limit : XXXX Reporter : TransUnion XXXX XXXX XXXX Reported incorrectly as 30 days past due on XXXX. Please remove and replace with paid as agreed as this is incorrect, I was never 30 days late. I have payment records and receipts. 

Inquires : Please removed listed inquires as these are not my accounts nor did, I authorize for them. 

XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX TransUnion XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  : XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/year> and I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

Equifax is continuing to report XXXX XXXX in error on my credit report. I disputed the item with no results. XXXX  has already deleted this item because after proper investigation, they proved the error to be inaccurate and invalid.
Product: Debt collection

I hhave absolutely no knowledge of this debt. This makes absolutely no sense to even have this debt incurred because I had health insurance at the time and gave that information to the medical office. But there was absolutely no communication between their company and myself. They just put this debt on my credit report without any notice.
Product: Checking or savings account

On XX/XX/year> my account was put into an account review. My incoming deposit for the day was reversed, and all access to my account was frozen. I spoke to a customer service agent and all I was told was that the account was under review. They would not allow me to speak to anyone else, they would not tell me why the account was under reivew, and they would not provide a timeframe for when the review would be completed. 

All access to my funds has been locked with no way to resolve the situation
Product: Debt collection

I had a XXXX vist which my ins paid but it still got sent in to collections central financial control i was told on XXXX XXXX by central financial that they XXXX dollars owed is not my hospital bill but actually a bill because it was sent to collections.i have sent repeated letters asking verifaction never seen a bill to date the oringal creditor has sent letters to all credit bureaus. Plus central financial not only will the not validate they are in willingful uncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT Authorize or INITIATE THE FOLLOWING INQUIRES. THE CAR COMPANY PLASTERED MY CREDIT RUNNING MULTIPLE REPORTS. DELETE REPORTING! Violation of Fair Credit Reporting Act. 
TRANSUNION XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Product: Payday loan

I 've been harassed by this company for 3years. They removed funds from my XXXX account, and they 're still harassing me. The gentlemen basically threatened me today, disclosing information that 's none of their business. The number that called was XXXX, and I 'm on the " do not call '' list.
Product: Debt collection

Sent them a debt validation to them back in XXXX. Never received a response to validate the debt. Still have not received any proof or validation that I owe this debt.
Product: Credit reporting or other personal consumer reports

There are multiple unauthorized inquirys made on my credit report that I need disputed right away these were inquiries that I didnt make and I need them removed from my credit report I filed a ftc report that I will attach to the document files below
Product: Credit reporting

Equifax has a habit of ignoring fraud information. XXXX fraudulent inquiries were submitted using a false address that I did not belong to mi. And they refused to delete the hard inquiries and dispute the companies solicitation practiced XXXX XXXX, 2015 today I spoke to a Consumer relations Supervisor and had the call recorded as I gave her several CFPB reports regarding the false address information. I asked for thier legal dept to call back and she hung up. For the last time I informed them that it is illegal not to investigate and dispute fraud inquiries. I am a government XXXX member & never signed anything asking the agency for a loan. No where did I sign application or ask for a single dollar from any affliation and I want total immunity. I am tired of Equifax illegal practices.
Product: Checking or savings account

I put money on my netspend card and they will not let me withdraw or let me pay bills. They will not refund the money or transfer the money to an active debit card. My bills are now being shut off and no matter how many times I try Netspend or supervisor they either hang up or tell me someone will call be in 1 - 3 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not locate any instructions on how to add my rental history to my report. I can find no help on how to add a consumer statement to my reprt.
Product: Credit reporting

The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA in XXXX of 2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.
Product: Mortgage

Foreclosure was communicated XXXX of XXXX due to loss of income from Covid. Modification was accepted by Shellpoint Mortgage Servicing in XXXX of XXXX. Payments of {$1400.00}, {$670.00}, and {$2100.00} in XXXX and XXXX had been sent, but rejected and sent back. I was then told that payments would not be accepted due to foreclosure, but I would be accepted for forbearance. Shortly after, I received calls saying that I do not qualify for forbearance and they need the total amount reinstated. I contacted a HUD housing councilor through XXXX XXXX on XX/XX/XXXX. The Councilor called and was able to set up a payment plan that would repay the owed amount within 12 months. I was told that I would just need to wait on the paperwork. I then received a phone call saying that I was not eligible for the payment plan due to the type of loan it is. I called back with the HUD housing councilor on XX/XX/XXXX. I was told that the only option is full reinstatement even though there is a foreclosure moratorium through XX/XX/XXXX.
Product: Mortgage

This is my XXXX complaint against Wells Fargo. Wells Fargo was dual tracking our mortgage they have sold my home back to the bank at auction after never considering us for hamp or harp or a partial fha claim. They also do not have a clear title in which to foreclose on. The title is clouded since a previous refinance with Wells Fargo. The also claim that XXXX Is the title holder and benificeiary when that has been determined to be invalid by the courts. We made many trial payments expecting a modification and as soon as the trial payments were up they restarted the foreclosure process. The note is in blank and supposedly transferred from the original lender to Wells Fargo in 2006 but there is no dates on the endorsement and the women who signed as the officer for the original mortgage company was never an employee of them but a employee of wells fargo making the endorsement done at the time needed for foreclosure. These process are detailed in there foreclosure manual that I have a copy off as how to make the endorsement valid for foreclosure. I have a signed document from Wells Fargo with the name XXXX in it which is fraud. XXXX is imprisoned for commuting fraud on mortgages satisfactions and notes. If this document is fraudulent then everything there after is invalid.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't understand why these accounts are showing up with inaccurate information, this needs adjusting because it was not paid late, payments were made on time on XXXX XXXX   XXXX Since Equifax and XXXX couldn't help me, CFPB step up and fix the accounts asap
Product: Debt collection

{$830.00} collection on credit reports. never received debt validation letter