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

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to their site and put in my information to see if I was affected and it stated that I was. As it stands, for the rest of my life I am going to have to pay for lifting and reapplying credit freezes on my name, credit protection, and costs for possible credit fraud. I believe that Equifax should be responsible for all fees that stem from this matter.
Product: Debt collection

On XXXX XXXX ( Convergent Outsourcing ) attempted to fraudulently collect a debt of {$250.00} that was illegally sold by the actual creditor ( XXXX XXXX ). Not only did they attempt to collect, they caused defamation of character by reporting false signatures and information to XXXX, XXXX, and XXXX. I did not give them permission to discuss or disclose anything about myself or my personal credit. They are violationg Consumer laws 15 U.S.CODE 1692 ( d ) & ( e ), 15 U.S.CODE 1681 ( b ) & ( c ). I will also bring a cause of action for tortious interference against the acting parties involved and seeking penalties under, 15 U.S.C. 1640- Civil liability section ( A-L ) monetary damages to be proved at trial. I demand that they stop this predatorily fraudulent misconduct ; revoke my signature for all unauthorized usage.
Product: Credit reporting or other personal consumer reports

I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. 

In accordance with the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX section XXXX ( a ), it is mandated to ensure that consumer reporting agencies conduct their duties with fairness, impartiality, and a respect for my right to privacy. As a consumer, I am entitled to safeguard my private information, as supported by XXXX XXXX XXXX, which emphasizes the obligation of financial institutions to uphold customer privacy and confidentiality. 

Pursuant to XXXX XXXX XXXX section XXXX ( a ) ( XXXX ), consumer reporting agencies such as XXXX and XXXX and Transunion are only permitted to furnish consumer reports with the explicit written instructions of the concerned consumer. However, I have not provided any such consent for them or any furnisher of information to credit agencies to share my information. The Accounts in question are XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX XXXX XXXX ( b ) ( c ) stipulates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing the consumer about their right to opt out of such disclosures. However, I have not been given this option by the furnisher of information to credit agencies. 


Moreover, XXXX XXXX XXXX ( a ) ( XXXX ) prohibits consumer reporting agencies from including adverse information in consumer reports without authorization. Yet, this account is being reported adversely without my consent, violating the law. 

Additionally, XXXX XXXX Code XXXX ( A ) ( XXXX ) mandates that information furnished to consumer reporting agencies must be accurate, while XXXX XXXX Code XXXX requires consumer reporting agencies to maintain reasonable procedures to prevent violations of FCRA sections and to limit consumer report furnishing to permissible purposes. However, XXXX and XXXX and Transunion are not adhering to these standards. 

Lastly, XXXX CFR XXXX affirms the consumer 's right to opt out at any time. Therefore, I am choosing to exercise my right to opt out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus has been giving out bogus information on a Lexis Nexis Credit report.

The information was given to a prospective employer, which resulted in I not being offered the position. The employer informed that I was not getting the job because of the information that was provided by Lexis Nexis. When I tried getting touch with Nexus Lexis Nexis they were impossible to reach.

Lexis Nexis is refusing to provide me with a copy of the report.

Instead they send me a code number to type in that is completely useless. 
The code number is their way of insisting they are following consumer law when in fact the number they are providing is fake.
Product: Credit reporting or other personal consumer reports

I FOLLOWED THE INSTRUCTIONS PROVIDED AND I AM STILL UNABLE TO LOG IN TO MYEQUIFAX.COM. I CALLED EQUIFAX ON FRIDAY XX/XX/24 I SPOKE TO A XXXX NAMED XXXX FROM EQUIFAX CONSUMER AFFAIRS AND WAS ON THE PHONE WITH HIM FOR OVER XXXX HOURS TRYING TO RESOLVE THE LOGIN ERROR I AM BEING SHOWN WHEN TRYING TO LOG IN TO MYEQUIFAX.COM. HE WAS UNABLE TO RESOLVE THE PROBLEM I AM STILL UNABLE TO ACCESS MY CREDIT REPORT AND CREDIT SCORE WITH EQUIFAX AND OTHER CREDIT MONITORING SERVICES. IT HAS BEEN 6 MONTHS I HAVE BEEN DEALING WITH EQUIFAX TO RECTIFY THIS SITUATION! AND IM STILL WAITING AS OF TODAY. I RECEIVED AN EMAIL BACK FROM THE CFPB STATING THAT THIS ISSUE WAS COMPLETED BY EQUIFAX AND ASSUMED I WOULD BE ABLE TO LOG IN TO MYEQUIFAX.COM AND GET IN OR ON ANY OF MY OTHER MONITORING SERVICES AND STILL NOT ABLE TO SEE ANYTHING! WHICH IS SUPER FRUSTRATING!!!! XXXX HELP ME HANDLE THIS AND SEE ATTACHMENTS
Product: Credit reporting or other personal consumer reports

I am writing to dispute an account that has been fraudulently reported under my name. This account does not belong to me and was opened or used without my authorization. Below is a summary of what happened, my supporting evidence, and applicable legal citations that support my claim for the removal of this fraudulent account from my credit report. 

What Happened : The account in question was opened or used without my knowledge or consent. 

I have no financial ties to the creditor in question nor any agreement to be held liable for this account. 

This fraudulent account has negatively impacted my credit score and caused undue financial stress.

Actions Taken : 1. Fraud Report Filed : I have submitted an identity theft report through the Federal Trade Commission ( FTC ) at identitytheft.gov.

2. Creditor Contact : I contacted the creditor to dispute this account and requested an investigation.

Legal Basis for My Dispute : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 The FCRA allows victims of identity theft to block fraudulent information from their credit report.

According to 1681c-2 ( a ), a consumer reporting agency must block the reporting of information resulting from identity theft if : The consumer notifies the agency of the identity theft. 

The consumer provides a valid identity theft report.

2. FCRA, 15 U.S.C. 1681i Under 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. If the investigation determines the information is inaccurate or unverifiable, the agency must delete it.

3. Case Law Supporting My Dispute XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforces the consumer 's right to dispute and remove inaccurate or fraudulent information from their credit report. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Highlights the responsibility of credit reporting agencies to investigate and remove unverifiable or inaccurate data. 



Sincerely, XXXX XXXX ---
Product: Debt collection

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, PA XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX Re : Complaint Against [ LVNV Funding LLC ] Account Number : [ XXXX ] Date of Collection : [ XX/XX/XXXX ] Dear Consumer Financial Protection Bureau, I am writing to file a complaint against [ Collection Agency Name ] for their violations of consumer protection laws. The purpose of this letter is to bring to your attention the multiple infractions committed by [ Collection Agency Name ] that are in direct violation of the Consumer Financial Protection Bureau ( CFPB ) guidelines. 

Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : [ Collection Agency Name ] has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed a collection on my consumer report, negatively affecting my credit.

Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been given a fair chance to dispute the account, which is a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Use of False, Misleading, and Deceptive Means : [ LVNV Funding LLC ] has engaged in false, misleading, and deceptive practices in their attempts to collect the debt. These tactics are in direct violation of consumer rights and go against the principles outlined by the CFPB.

Violation of Disclosure Requirements ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : [ LVNV Funding LLC ] has furnished the account to consumer reporting agencies without providing the necessary disclosures required by law. This action is a clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

I request that the Consumer Financial Protection Bureau thoroughly investigates the actions of [ Collection Agency Name ] and takes appropriate measures to rectify the violations committed. Additionally, I request that the inaccurate collection entry be removed from my consumer report as it is the result of [ LVNV Funding LLC ] 's failure to comply with federal regulations.

Enclosed with this letter, please find copies of relevant documents, including correspondence with [ Collection Agency Name ] and any other evidence supporting my claims.

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to ensure that [ LVNV Funding LLC ] is held accountable for their actions and that consumer rights are protected. 

Sincerely, [ XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filled a report and cfpb said it was completed and gave me the next steps and I didnt get a confirmation email. I am just able to file another complaint because of the frustration. I have been complaining about TransUnion for years but they know cfpb does nothing but send them the complaint and they deny it and show no proof of any action to correct it. For years TransUnion had my birth date wrong and my name spelled wrong. As a result the had wrong information. I asked that they audit their information for all those years but they refused. As a result my scores there have always been well below the other credit scoring agencies. It only makes sense their scores would be more correct but TransUnions scores right now are more then 50 points below the others. Credit scores have all to do with your life whether you live comfortable or struggle. For years people of XXXX have been held down with credit scores. The Government should regulate credit scoring agencies because of how they control peoples lives. I am sure TransUnion discriminates against me and many others. I know they will deny this and come up with the different models excuse but that is exactly how they discriminate. This should be passed along to the proper agency for investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of Fair Credit Report Act. Section 604. Equifax reports shows a chargeoff account for Macys. The report states that the account was opened XX/XX/XXXX and closed XX/XX/XXXX which is a total of 12 months and 3 days. 

Reports states that the account has been reviewed for 72 months, which would be a total of 6 years and 8 months. This is obliviously impossible since 72 months is 5 years and 7 months longer then the account was open.
Product: Credit reporting or other personal consumer reports

Amerihome reported 2 late payments on my credit report. I was not late, it was during a transfer of serving, both of these late payments related to a miscommunication during their transfer/merger of servicer.
Product: Checking or savings account

This bank is absolutely horrendous. I feel like it's 2005 trying to do business with them. What bank still uses deposit confirmations as a " security '' measure to connect a bank account? GARBAGE Banks, that's who. This is just an excuse to hold my money hostage. 

I only have this account because I am forced to by my employer. It really isn't even worth the matching funds my employer provides. Yes that's right I almost would rather LOSE HUNDREDS than have to deal with this dumpster fire of a bank. And don't get me started on their junk fees. 

I hope they go bankrupt or someone better buys them out. Can't say it enough. HsaBank it absolute garbage
Product: Credit reporting

Dear CFPB Staff, I initially contacted Transunion Credit Reporting Agency back on XX/XX/2017 requesting a copy of my free annual credit report and to update my address since I had retired and moved. 
They sent me a letter back saying I needed to send them proof and to mail them my Identity papers along with a copy of my Utility bill to show my current address. This I have done, but I have still have not heard back from them. It 's been over 60 days. 
Would you please help? 
I want to thank you in advance for your help and look forward to hearing from you shortly. Please let me know if there is anything else you may need. 
Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The date opened/date closed/last payment date is inaccurate on the credit bureaus. Also the account number is incomplete ; this is grounds for removal. Due to the fact is claimed as fraud from a federally protected consumer it must be removed from consumers report according to " Fair Cares Act. '' Anything a consumer reports as fraud must be removed from the consumers report within 4 business days of fraud receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S. Code 1681b-Permissable purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately. 

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE SERVICE FINANCE COMPAN 13 POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info Responsibility Individual Terms 258 Months Company sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX FEDERAL XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my home mortgage with XXXX XXXX XXXX, funded on XX/XX/2020. This was a VA mortgage, they did a credit check. 
My loan was purchased by Caliber Home Loans. 
A credit inquiry was made on XX/XX/2020 by Calibar Home Loans which was not approved by me. This inquiry drastically reduced my credit score and I would like it corrected please. 

Please advise!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$220.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had scheduled a time for XXXX XXXX to come and do the installation however, their technician was a no-show. I immediately contacted customer service with XXXX XXXX  and told them that their technician never bothered to show up and never communicated with me why he was a no-show. I cancelled my service and I was told by the representative at XXXX XXXX since their technician failed to show up for his appointment that cancelling would not result in my owing any money on this account and that this account was in fact closed. I did not know that XXXX XXXX had sent me to collections until I obtained a copy of my credit report. This false reporting of a collection is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information in Medical History Report Dear Sir/Madam, I am writing to formally dispute inaccuracies contained in the consumer report prepared by Milliman IntelliScript and provided to XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Upon reviewing the report, I have identified several inaccuracies in the medical history section that require immediate correction. 

Specifically, the entries from Item XXXX XXXXXXXX through Item XXXX XXXXXXXX contain inaccurate and unrelated information, including a note about suicidal ideations, which does not reflect the reason for my visit to the emergency room on XX/XX/XXXX, at XXXX XXXX XXXX XXXX XXXX XXXX XXXX of New Jersey, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, Physician : XXXX XXXX XXXX XXXX 

I visited the ER on the specified date for fever-related symptoms and received treatment accordingly. None of the information listed under these items aligns with the purpose of my visit. These inaccuracies have caused significant consequences, including the termination of a life insurance policy decision by XXXX XXXX. 

I am requesting the immediate removal of the inaccurate information from my medical history report. I hav included a copy of my report received from the hospital and a report from Milliman IntelliScript showing a inaccurate report
Product: Debt collection

It has come to my attention that American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX, creditors and debt collectors, as defined pursuant to 15 USC 1602a ( g ), and 15 USC 1692a ( 6 ) has violated my rights as a consumer pursuant to title 15 Chapter 41 subsection 15 USC 1601, Truth In Lending Act, and 15 USC 1692 Fair Debt Collection Practices, by misinforming me about the use of my credit, invading my privacy, furnishing deceptive forms, and by providing abusive and unfair debt collection practices. Pursuant to 18 USC 8, the alleged debt was already paid for under the obligation of the United States. Pursuant to 15 USC 1602a ( g ), I am the person, and the original creditor who is federally allowed to extend credit to any, and all banks. American Coradius International LLC, XXXX XXXX, XXXX XXXX XXXX  never loaned me money. Banks can not loan money, Congress never gave banks the power to loan money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Closed accounts with XXXX  XXXX XXXX on XX/XX/2013. The accounts are more than 7 years old. XXXX is reporting incorrect closing date, phone number and address to Early Warning Services. I've called XXXX customer service on several occasions in attempt to correct the information but it has yet to be resolved
Product: Debt collection

I have a debt collection on my account who I do not have any idea who this company represent. I request this debt to be removed from my XXXX credit report.
Product: Student loan

The total amounts of student loans outstanding are incorrect, partially not issued to me, and interest rate calculations are incorrect based upon status of loans at various points in time since XXXX. Please see attachments for details and explanations, dates, amounts, etc. Thank you, XXXX XXXX Direct Dispute In partnership with Submission PendingSubmitted to XXXXUnder InvestigationCompleted XX/XX/XXXXXX/XX/XXXX Estimated Completion Date Status Details XXXX received your request on XX/XX/XXXX and they are currently processing it. XXXX  normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 
Mail : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays MOHELA/XXXXReported on XX/XX/XXXX {$11000.00} Dispute Reason Ownership : The creditor agreed to remove my liability on this account.