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

In accordance with FCRA 605B, I requested a block of information on my XXXX XXXX and Equifax credit reports that are fraud, including proof of identity ( Drivers License and Social Security Card ), Identity Theft Reports and police report ( XX/XX/XXXX and XX/XX/XXXX ), detailed identification of the fraudulent accounts on my credit report with copies of credit report, and a detailed letter stating the information on my credit report is fraudulent and not related to any transaction authorized by me. 

Accounts included : - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX ( previously determined to be fraud in XX/XX/XXXX ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

These letters were received by each credit reporting agency by Monday, XX/XX/XXXX via USPS Flat Rate with Tracking. 

It has exceeded the four ( 4 ) days allowed to block and remove the identified information from my credit report, and it has not been blocked. 

In addition, XXXX account determined to be fraudulent and removed from my credit report in XX/XX/XXXX are now showing up on my credit report again over the past two weeks. Once an account is determined to be fraudulent, it should be blocked from my credit report unless written notice is provided by the credit reporting agency and creditor that the account has been found valid and accurate accompanied by account verification documentation. This notice and information was not provided.
Product: Credit reporting or other personal consumer reports

I requested proof of all documents including all applications, identifications or any information that may have been used in aid of me rectifying these fraudulent accounts. Legal court documents were also sent to the address on file from a tenant at that address regarding the dissolution of debt which is what brought the awareness to my credit report in which the company has received and should have been resolved. This is also public information. There is no way in which I can provide card numbers or security codes for cards I've never obtained nor attempted to obtain. There are two accounts that have an approximate value of XXXX XXXX  that are fraudulent and the company had and still has no permissable purpose to add fraudulent information to my credit report. I have nothing to show, prove nor represent in regards to this matter, ONLY COURT DOCUMENTS FROM THE XXXX XXXX COURT which have been previously sent in to the credit bureaus and the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the account which I entered into in XXXX XXXX XXXX ) and has been completely paid off with the Original Company ( Creditor ) XXXX aka Why Not Lease. This account disappeared from XXXX from XXXX to XXXX, however, it is now showing up again with the New Collection Agency who appears to have purchased this account. 

This is OLD ACCOUNT ( OVER 7 YEARS ) AND NOW BEEN SOLD TO A NEW COLLECTION COMPANY WHO IS REPORTING FALSELY JUST TO MAKE SOME MONEY ILLEGALLY
Product: Credit reporting or other personal consumer reports

Please delete all the inaacurate information listed on the letters i will insert
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
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 TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at TransUnion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/18 Balance : {$0.00}
Product: Vehicle loan or lease

On XX/XX/2018 my car was totaled out I purchase XXXX XXXX gap insurance with my vehicle loan which should have taken care of the remaining balance for my vehicle total loss after the car insurance paid their portion. However XXXX XXXX Gap left a remaining balance on my account which left me past due for two months eventually I paid the balance which resulted in me having to late payments on my credit report I was under the impression that XXXX XXXX gap insurance will pay the full remaining balance of my loan but they did not. How can I get this resolved or can I take legal action?
Product: Debt collection

Midland Funding is trying to collect a debt from me, that is owed by : XXXX XXXX. My legal name has never been " XXXX XXXX '' and I've never opened an account with that name. I have been trying to get the name removed from my credit report. My name has always been XXXX XXXX XXXX. I asked them to provide verification with my signature, but they only send electronic documents that could have been setup or accessed by anyone. I do not have knowledge of such an account because I never applied nor held am account with the surname XXXX. This is not my account!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Report Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my right as a consumer.
Product: Student loan

There was so little time in between the release of new information about the new student loan repayment plans and the deadline for requesting refunds for payments made during forbearance that Nelnet was not able to keep up with the extremely high number of calls from people requesting refunds. Therefore numerous people were left on hold for hours on XX/XX/XXXX and were unable to get through to request the refund on time.
Product: Debt collection

On or about XX/XX/2022 I received a letter via mail from Resurgent Capital Services a debt collector company. Upon receiving this letter I notice that this company was trying to collect on a debt and several of my rights were violated. Pursuant to 15 USC 1692g ( 3 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. A statement was not sent in the mail with the letter. Also, when the mail was received there was a symbol on the letter which is also a violation pursuant to 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Also, I have never gave Resurgent Capital Services permission to contact me. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Furthermore, there were many unauthorized phone calls, text messages, and emails sent to my telephone regarding this matter that I did not consent to. Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Pursuant to 15 U.S.C. 1681n ( a ), 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. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violations for {$9000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$9000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$9000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am applying for a mortgage loan and my credit report was pulled on XX/XX/2024. Today, on XX/XX/2024 my lender informed that XXXX is reporting that I have DOUBLE the amount of loans that I actually have. This has made my debt appear double what it actually is, which can seriously harm my chances of qualifying for a mortgage. I have disputed this with Experian.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by XXXX XXXX, and Equifax. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On XX/XX/year>, I submitted a dispute to XXXX XXXX, and Equifax regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : 1. Inadequate Verification Process : Despite my detailed dispute, the credit reporting agency failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
3. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Checking or savings account

To whom it may concern My name is XXXX XXXX XXXX. I am the son of XXXX XXXX XXXX who passed away on XX/XX/XXXX of XXXX. Her cause of death  was ultimately XXXX and at the end of her life she borrowed from both family and creditors to seek treatment to extend her life. Due to some bad financial decisions, she died with a large amount of personal debt. In the two weeks prior to her death, she appointed me the executor of her estate. Due to the large amount of debt her attorney has advised me to NOT probate her estate because the cost would be greater than the only outstanding asset which are her two accounts with USAA bank. One account was/is a savings and the other was/is a checking. 

I have asked USAA bank multiple times via phone calls to help me know which forms and/or legal documents they would need make a distribution that does not involve the probate of her estate. 

USAA has consistently been unhelpful and not able to provide me with what would be required if my mothers estate was not going to go through probate. 



Please note the following facts. 

Although my mother spent her last two weeks in XXXX  she died as a XXXX resident and her death certificate from the state of XXXX states that she was a XXXX resident. The attorney that has advised me on her estate is a resident and practices law in XXXX. 

USAA has ignored my requests to help me distribute the monies in the two USAA accounts and has sent me two checks made payable to the estate of my mother. 


USAA currently does not understand two issues that I have voiced in my numerous phone calls. First they told me that they will never have an attorney from USAA legal department communicate with me either by telephone email or letter what they need to close the two accounts with USAA. Lastly, USAA has consistently stated to me that they will not communicate with my XXXX attorney whos asking what forms they need and/or what process they would require from him to close the two accounts. 

Theyve literally said to have my attorney prepare a form send it in and then they will decide if they will or will not process the closing of the two USAA accounts. I find their directions and responses both confusing and very nebulous. 

For example when I asked what the time frame was for the closure of my mothers two accounts, they have literally told me the accounts would be closed at some time in the future and when I asked them for a specific time frame in accordance with the bank rules and the state of XXXX, they said I would have to wait and see that theres no clear-cut process or timeline, which I find unclear. 

Your help on this matter would be greatly appreciated.
Product: Credit card

On XX/XX/year> a credit card application was applied for from WFBNA CARD bank in my name. 

On XX/XX/year> a XXXX XXXX XXXX credit card was applied for in my name. 

I did not apply for either of these credit cards. 

I contacted both Wells Fargo and XXXX XXXXXXXX to submit a fraud application.
Product: Credit reporting, credit repair services, or other personal consumer reports

13 inquries were filed on my credit report dates filed : XXXX & XXXX. These lenders has tremendously impacted my credit scores I have 6 collections as well XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Equifax does not provide 2-factor authentication for accounts, leaving us extremely vulnerable to identity theft. 

Both XXXX and XXXX have 2-factor authentication.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I called Wells Fargo from a phone number ( work ) in my profile to request a credit line increase. After validating my current / open account with the representative I was sent to underwriting ; were I revalidated my identity, so a credit report could be reviewed. Then I was transferred to the Fraud department and requested to further detail my identity. At this point I was unsure about answering the question " what year was my house was built '' the agent stated I could call back in and redo the application process ; consequently, having a second credit report pulled. So I ended up guessing on the question, and was wrong, so they locked my account. I was advised I would need to take two pieces of ID into a Wells Fargo branch to validate my identity ; however, there are no Wells branches in Michigan. I was then advised to go to any bank. 
On MondayXX/XX/XXXX I went to my primary checking account institution and explained the ridiculous request to Member Services. I have banked with this institution for more than 20 years and not to my surprise they declined calling the Wells Fargo Fraud department and validating my Credit Card / ID info. I mean why would they, it is not their account. Frustrated I called Wells and filed a customer service complaint as I was investing more time than necessary. I even requested closing the account and was denied until the fraud lock was removed. 
Think about this - I validated my identity with Wells twice for an existing account, which was already established and cleared by the Fraud alert at the time of opening, more than five years ago. So they think some human broke into my office, sat down at my work desk and called My credit card to request a credit line increase. There verify identity with caller ID. 
After Filing the complaint I waited 24 hours without response. So again yesterday I tried 2 more Financial Institutions. XXXX and XXXX and was also both turned away stating this was not something they were comfortable doing. One Banker stated how do we now you did not steal the wallet. 
Even more frustrated I called Wells again on XX/XX/XXXX and requested to speak with a supervisor, I explained to him that I have tried to clear with three banks, tried to close my account, filed a customer complaint and requested an alternate option since they have no local branches in my state.
Product: Debt collection

Debt was written off by the company. Now the debt collector is attempting to collect the starting balance. Why should I pay a debt collector when the company has written it off as bad debt? 
They are calling my husband as well and he did not own the account. I put his name on my savings when I had money in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late fo any reason.
Product: Credit reporting or other personal consumer reports

I went through a dispute with Transunion last year on XX/XX/XXXXXXXX XXXX I provided the original contract, with XXXXXXXX XXXX. The original amount of rental was {$1600.00}, and the remaining balance was {$1400.00}. The rental agreement was XX/XX/XXXX and I lost my job on XX/XX/XXXXXXXX Once I received the investigation result, I was told XXXXXXXX XXXX  does not have to agree to the dispute, even though it is the original XXXX XXXXs contract. XXXXXXXX XXXX was supposed to make the payments, but it did not happen. I tried to contact XXXXXXXX XXXX, and they told me the contract was voided and hung up on me. 

On XX/XX/XXXX XXXX I submitted another dispute, the case was reopened. I received the investigation result dated, XXXX. The result remained the same. 

Please assist me, I have the documents needed to review. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a reinvestigation results response from XX/XX/XXXX reinvestigation results from report number XXXX, which I made under FCRA 611 ( a ) regarding an erroneous item on my credit report. 

I included an official letter on my dispute received from the clerk of the United States Court stating they do not " share any information with Credit reports or 3rd Party agencies and XX/XX/XXXX keep confirmed that have verified these accounts, I wonder who has verified if United States Court stating they do not share any information with Credit reports or 3rd Party agencies.
Product: Debt collection

For the last several years XXXX, XXXX XXXX XXXX, XXXX. have been summoning me to court for a debt I personally did not owe to them. XXXX XXXX purchase an outstanding debt that I owe to XXXX XXXX. When I tried contacting XXXX, they stated they no longer had any recollection of the debt and for me to check my credit report. I fell on financial hardship, lost my apartment and moved myself and my daughter in with my mother. The debt went for almost three years at which I begin receiving summons to court by XXXX XXXX. I have been to court twice and have been paying on the debt via garnishment. I was told in court by Midland Representative that XX/XX/2016 was the last month for payment and satifying my debt. I have already paid around {$600.00}. Midland than stop the collection, waited a few months and started the collection again requiring me to pay additional garnishment fee to my employer as well as additional bogus added collection fees and interest on the same debt. I will never satisfy this debt with the fraudlent collection tactics by Midland and Law firm whom did not show in court on my last court date. I gross a below average income a year between two jobs. I have had at least two free consults with lawyers suggesting bankruptcy, but bankruptcy will cost more than the debt claimed to owe. I feel that Midland is financially bullying and trying to embezzled money from me by tacking more taxes and interests over and over again on the same exact debt and already added interest fees for the last few of years. I have spoke to some one twice at that firm ( not sure if the firm is legit ) but they were not trying to help. Please help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed {$1500.00} for an account that is not mine. They did not properly investigate the complaint and I would like this account to be deleted. I also disputed an account for {$140.00} from XXXX XXXX XXXX