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

I am filing a complaint against Equifax for failing to properly 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 ( 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. 
Accounts affected and in need of removal : Collections with creditors form XXXX XXXX XXXX XXXX. For {$300.00} XXXX XXXX XXXXXXXX For {$170.00} XXXXXXXX XXXX XXXX  For {$240.00} XXXX XXXX XXXX For {$4400.00} XXXX XXXX XXXX XXXX For {$15000.00}
Product: Credit reporting or other personal consumer reports

Hello, I have recently discovered that I have been a victim of Identity theft in which such person [ s ] used my credit multiple times over the years under the radar, until now. It wasnt very much money at first, thats probably why it was never noticed, but here recently I have been trying to purchase a home, so I started looking at my credit report more closely. In XX/XX/XXXX, I discovered that the following Accounts have been opened Fraudulently, or by other means unknown. ( XXXX ) XXXX {$3700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX {$210.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX  {$7400.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX XXXX XXXX XXXX {$5700.00} Acct # XXXX. ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX XXXX XXXX {$6700.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$1200.00} Acct # XXXX. ( XXXX ) XXXX XXXX  XXXX {$3600.00} Acct # XXXX Opened XX/XX/XXXX. ( XXXX ) XXXX XXXX {$0.00} Acct # XXXX. These are the 9 accounts from Transunion that correspond with the Federal Identity Theft Report! Transunion performed another one of their FAKE Investigations - forcing myself to have to file this complaint for a second and maybe even a third time, but if Transunion does Not Delete these accounts as requested, I am prepared to file it as a civil suit in The Federal Court System. Ill gladly accept a large sum of cash for my civil rights being violated via FCRA ( 15 U.S.C. 1681 ).
Product: Debt collection

Upon reviewing my recent credit report, I noticed multiple fraudulent accounts that I believe were added without my authorization.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ), which highlights significant issues with the platform. 

Having used Zelle on multiple occasions and reported discrepancies, I am deeply disappointed by the inadequate investigation into my claim. Despite my efforts, both my financial institution and Zelle have informed me that recovering the lost funds is impossible and that tracking the transaction is unfeasible. 

The findings from the CFPB indicate that Zelle has failed to protect consumers effectively, enabling repeat offenders to exploit the system and leaving users vulnerable to scams. The lack of accountability and transparency surrounding this issue is troubling and raises serious concerns about the safety and security of users on the platform. 

I urge you to take these concerns seriously and consider the broader implications for consumer protection within XXXX operations.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 USC 1681q Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. The United States Bankruptcy Courts do not release information to third parties nor are they data furnishers to credit reporting agencies. The inclusion of bankruptcy information obtained by fraudulent means is a violation additionally in accordance with ARS 39-121.03 a data aggregator who obtains public records for a commercial purposes must provide a statement setting forth the commercial purpose for which the public record will be used. It appears none of the credit reporting agencies or their aggregators filed this notice and thus failed to follow Arizona law in this matter.

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 or other personal consumer reports

I am writing to express grave concern over a derogatory rating that currently appears on my credit report. This negative mark is causing me significant anxiety due to its detrimental impact on my credit standing. It has already resulted in the denial of a recent loan application as well as increased interest rates on my existing credit accounts. I can not overstate the severe financial hardship and emotional distress this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX Balance : {$1400.00} Opened Date XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

Our car was purchased XX/XX/XXXX. Our monthly payment was approximately {$990.00} per month. The car was in an accident and totaled on XX/XX/XXXX. 

We continued to make payments in XXXX and XXXX. In XX/XX/XXXX, XXXX XXXX XXXX made a payout of approximately {$40000.00} to TD Auto Financing. 

I called TD Auto Financing on XX/XX/XXXX, I spoke to XXXX with TD Auto Finance to make a payment. She told me they had just recieved the payment of approximately 40K and would be calling us to set up a payment plan for the truck after XX/XX/XXXX, XXXX. 

We also recieved a letter saying if we can not pay after XXXX XXXX to contact to set up a payment plan. I contacted TD Auto Finance three times since since XX/XX/XXXX. The first one was on XXXX, XXXX. The second one was XX/XX/XXXX and the third one was on XX/XX/XXXX. 

I found out on XX/XX/XXXX TD Auto Finance had a charge off debt sent to our credit report erroniously due to them saying they had not received a payment in 30 days, even though they had recieved the insurance check on XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX with TD Auto to set up a new payment plan and the amount we owed remaining was {$11000.00}. 

Per my credit report, TD Auto Finance sent my account to collections on XX/XX/XXXX. At no time from the end of XXXX to XX/XX/XXXX did anyone contact me or tell me about being sent to collections. This has made my credit plummet and effected me buying a house due to their negligence.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that DEBT RECOVEY SOLUTIONS did not have permissible purpose nor authorization to furnish my XXXX consumer report on XX/XX/2023. I am willing to settle for {$2000.00} in remedy for this action along with deletion from my consumer report. Please note the sole deletion of this inquiry without the specified remedy will not suffice as DEBT RECOVERY SOLUTIONS is still civilly liable under the FCRA. Please note that failure to invoke the specified remedy will trigger my private right of action within 8 days of receipt of this notice in United States district court. Thank you for your attention to this matter. 

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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX {$19000.00} XXXX XXXX {$12000.00} XXXX  XXXX {$1000.00} XXXX XXXXXXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX {$70.00} XXXXXXXX XXXX   XXXX {$140.00} XXXX XXXX {$110.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ran my credit without my knowledge on these dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) XXXX XXXX, XXXX XXXX XXXX yrs, XXXX mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX PUT A FORECLOSURE ON M, Y CREDIT REPORT FOR THE WRONG DOLLAR AMOUNT WHILE IN LOAN MODIFICATION WICH STOIPPED ME FROM GETTING REFINANCIMNG ]
Product: Debt collection

I had a contract for a certain amount of time at XXXX XXXX XXXX-XXXX but due to personal problems I was facing at the time, I asked the employee, XXXX, if she could cancel my contract starting on XX/XX/XXXX. This person who no longer works at the gym assured me that she would cancel my membership without an issue. I asked her for documentation to back that statement up -she declined stating that would not be necessary. She never again contacted me to say that my account had not been cancelled ; I took her at her word as an authority in that establishment. On XX/XX/XXXX, I emailed XXXX XXXX XXXX regarding a Letter of Delinquency I received that week of XX/XX/XXXX which called for payment of {$600.00} for the dates XX/XX/XXXX-XX/XX/XXXX which XXXX had said she would cancel a year before. I explained the situation thoroughly and requested to be pardoned for the fees due to previous lack of disclosure on their part ; I did not expect to be billed for something a year later due to XXXX 's false reassurances. XXXX, the employee I emailed, did not respond to my last email which I ended by saying, " I realize that you had nothing to do with her mistake of saying one thing and not doing it ; however, I 'd like to request an exception from your usual policies if you 'd please consider nulling my dues. With respect to your establishment, I 've had an extremely unfavorable experience with inconsistencies at the inactions of previous employees. '' on XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

PNC XXXX let me connect
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account # XXXX To Whom It May Concern, This is my third and final attempt to have the blatantly inaccurate and unacceptable information corrected on my credit report regarding the XXXX XXXX account ( # XXXX ). My previous requests, sent on XX/XX/XXXX, and XX/XX/XXXX, have been ignored, which constitutes a clear violation of my rights under federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). 
Let me make this crystal clear : if no action is taken immediately, I will proceed with legal action and escalate my complaints to all relevant regulatory authorities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
XXXX : Incorrect XXXX late payment reported for XX/XX/XXXX. 
Clear and Unjustified Errors Nonexistent late payments : My account has been current and without delinquencies. The reported late payments are false and entirely unsupported by facts.

Inconsistent data : The dates of last activity and the balances owed vary across the bureaus, further proving negligence in ensuring accuracy.

Failure to investigate : Per 15 U.S. Code 1681i, you are legally required to verify and correct disputed information, which has not been done. 
Legal Violations By failing to correct these inaccuracies, you are in direct violation of the following laws : FCRA ( 15 U.S. Code 1681i and 1681s-2 ) : It is illegal to report inaccurate information and fail to correct it after a dispute.

TILA ( 15 U.S. Code 1666b ) : Creditors are required to provide billing statements at least 21 days prior to the due date to ensure timely payments.

Protection Against Non-Payment of Obligations Act (
PAANL ) : Your failure to act is unfairly penalizing me and harming my creditworthiness.

Demanded Resolution I am demanding the following actions immediately : Removal of the false 30-day late payment notations for XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( TransUnion and XXXX ). 
Written confirmation that these corrections have been made and accurately reflected in my credit report.

This is your final notice : if this matter is not resolved to my satisfaction within 15 business days, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ).

Pursue legal action for violations of my federally protected rights. 
Publicly document my experience on consumer advocacy platforms and social media to highlight your failure to comply with federal laws. 
Treat this letter as your last opportunity to resolve this matter amicably and avoid further escalation. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints on the Creditor accounts included. None have ended with any resolve. I have filed police reports and sent them to credit bureaus along with supporting documents of ID theft packages and these accounts continue to appear after 3 rounds of disputes. XXXX refuses to remove the erroneous accounts listed in the reports previously provided to them nor have they updated my report to block the items in question. XXXX XXXX XXXX is reporting a fraudulent account despite several disputes on my behalf for this to be removed. Phoenix Financial has also been informed. This bill has been previously disputed when it was being reported by a different creditor.
Product: Debt collection

NCB Management Services , Inc. is not only calling my cell phone every day, but they are also calling my work 2 to 3 times a day, and I just found out they have been calling my Mother 's cell phone as well. They have violated the law, and I want them to stop calling. Thank you!
Product: Debt collection

XXXX account systems XXXX  XX/XX/2023 date assigned XX/XX/2023 XXXX  acct# XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I requested a verification of all the information on my Credit Report to determine if information across all three credit bureaus was 100 % correct and accurate. Each credit reporting agency responded back in writing stating all information was verified and validated. So 30 days later I ran my credit report, and the same information was still not 100 % accurate across all three credit reporting agencies. Fast forward, so now in XX/XX/XXXX I submitted a complaint through the CFPB to all credit reporting agencies, and again each responded stating information was verified and accurate which was false and still is false. Per the law, I am in my legal rights to seek civil damages since the time granted to resolve this issue has past. I am disputing the accuracy and validity of listed account : XXXX XXXX I have attached a Credit Report from XX/XX/XXXX and XX/XX/XXXX referencing the account above from all three credit report agencies, clearly account ( XXXX XXXX  ) is not 100 % accurate across all credit reporting agencies, it was not then and it isn't now. Help in resolving this issue will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting act : Experian misused and disclosed personal information to these companies without authorization. When I contacted Experian, they advised me to contact all the companies. Their response is an unfair practice to not investigate. As called all these companies they asked me for all my personal information which they did not provide.

Experian violated the following articles : 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 written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and noticed an account that was not accurately reporting. I had XXXX late payments on the following account XXXX that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I have attached a copy of my report to this complaint on the following dates ( XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> ). I am now requesting you reinvestigate this account and update these payments. Paid on time immediately. Thank you for understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$19000.00}, XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}, XXXX XXXX XXXX XXXX Date XXXX Balance : {$6500.00}
Product: Credit reporting or other personal consumer reports

Subject : XXXX 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because XXXX has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report. 
I have sent multiple dispute letters to XXXX, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against XXXX ( " CFPB Sues XXXX for Sham Investigations of Credit Report Errors ). which highlights that XXXX has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress. 

XXXX XXXX : XXXX. XX/XX/year> - I called XXXX and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and XXXX has not answered as of yet. 

Impact on me : As a result of XXXX 's non-compliance : - My Credit score remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested XXXX : - Require XXXX to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on XXXX for non-compliance with FCRA provisions. 
- Ensure that XXXX implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support my claim.