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

I am writing to file a negligence and wrongful conduct complaint against Equifax. 

Equifax sent my dispute resolution to the person committing fraud against me, even after I sent the Equifax agent a picture of my driver 's license via their secure link they provided, with my address. 

Let me start from the beginning. On XX/XX/2021, I submitted an application to get pre-approved for a loan. The loan consultant found 4 collection accounts under my SSN with just Equifax, none of which belonged to me. With an average FICO score of XXXX, this had never happened to me, and I didn't know where to start. That same day I called Equifax directly, provided my SSN, and a picture of the front and back of my driver 's license through a direct and secure link the agent sent to my cell phone. 

He submitted the dispute over the phone, provided me with a confirmation number and said Equifax would mail me a resolution within 30 days. I waited and never received anything. 

On XX/XX/2021, forty-five days later, I called back, Equifax was having system issues and they showed me how I could pull some information online. Here I discovered Equifax had changed my last name and address. The previous 2 names showed my actual current married name and my maiden name ; under previous addresses, it showed my actual current address of 10 years and my correct previous address. This discovery helped me find the electronic letter of my dispute resolution showing Equifax mailed it to the person committing fraud against me with the incorrect address in my credit report. Which should have never happened, because my identity had to have been verified when the original agent collected my driver 's license information and saw that the names and address didn't match the current name and address. 

The process took longer and added additional stressors as I had to open different disputes to change my name and address back in order to file another dispute to remove the collection accounts. 

Three months and multiple phone calls later, Equifax deleted the collection accounts under my credit report. Though, I still feel like my personal information was violated by sending the person committing fraud against me a letter with my full birthdate, and the collections dispute information. 

I hope that this does not happen to anyone else. Having to fight against identity theft is a large burden, and the negligence of Equifax agents only worsens the situation.
Product: Debt collection

XXXX XXXX non-adverse, non-belligerent, non-combative party, secured creditor with power of attorney general and executive on behalf of XXXX XXXX estate is in the possession of your recent voluntary submission of evidentiary documents. In order to verify this XXXX debt, the secured creditor is requesting the following ; Account XXXX must herein provide a true and certified copy of the complete audit trail of said account. In order for the debt to be validated, please provide verification through your organizations audit certifications of debt entry in accordance with XXXX XXXX XXXX in accordance with XXXX XXXX accord and u.n.c.i.t.r.a.l. conventions. I would also need a copy of your organizations Tax Registration certificate. An account summary on its own does not provide sufficient verification of debt. 

Failure to substantiate the claim, please settle the account within the next 10 business days.
Product: Credit reporting or other personal consumer reports

I have filed two bankruptcy cases in the last 7 years. In the first one, my Wells Fargo mortgage was included. That one was dismissed. In the second one, my Wells Fargo mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for Wells Fargo to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!! 

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, Wells Fargo is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

1.. 
DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

2..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

3..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

4..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

5..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

6..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

7..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

8..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

9..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

10..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

11..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

12..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

13..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

14..

DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a debt canceled by the creditor, I was issued a form 1099-C as verification of canceled debt. Once the debt is canceled it can no longer be reported. I supplied a letter to Transunion bureau along with with a copy of the above notice of cancelation from the creditor with all account numbers and information clearly visible. This was per my attorney 's advice and politely asked that they remove the canceled debt from my report. Additionally, with the information provided by my attorney, I cited in the letter legal context for why the information can no longer be displayed on my credit report. The Bureau responded that " Consumer 's dispute not specified, Consumer Information verified. '' Providing legal documentation, federal law title, code and subsection is " Not Specific ''? Along with the federally recognized cancelation document is " Not Specific ''? instead the company 'updated ' information which caused my credit score to decrease, this is illegal. Further, I am resident of Texas and Texas law 20.06 of Title 2 Chapter 20 of the Texas Business and Commerce Code ( 2002 ), protects consumers from punishment by credit bureaus for disputes and mandates that invalid, incorrect or misleading information promptly be removed from a residents credit report. Credit bureaus are not permitted to punish consumers when they dispute accounts on their credit profile. I have been polite, I have tried to work with the company and I only ask that they remove the canceled debt from my report. My attorney has advised me to indicate that if the CFPB is not able to assist with remediating this situation, we will pursue other avenues with the credit reporting bureau.
Product: Debt collection

Refused to cease and desist from incorrectly reporting on my credit bureau report. 

Stellar Recovery Collection Agency of XXXX XXXX XXXX # XXXX, XXXX, MT XXXX is incorrectly reporting a XXXX XXXX XXXX ( XXXX ) account on my credit bureau reports. XXXX provided cable services to my home. During their repair process XXXX XXXX ( and sub contractor ) did over {$1200.00} damage to my home. I promptly brought this to the attention of XXXX and they refused to take responsibility so I cancelled my service with them and did not pay them any more money leaving a final bill of about {$570.00} which I refulsed to bay because of my damage claim offset. 
On XXXX XXXX, 2015 I got a written acknowledgement of the damage and an offer to settle accompanied by a release form. The offer included waiving the balance and a payment from XXXX of {$910.00}. 

Despite having provided copies of these documents and several conversations with the collection agency the company still reports this as " Customer Disputes '' to the credit bureaus. This reporting does not factually, or correctly, describe the circumstances. XXXX owed me money during the period in question and gave me a credit for it. The current reporting negatively impacts my credit bureau scoring and does not accurately reflect that this money was credited to me as a result of negligence on the part of the creditor XXXX. 

I have asked the collection agency to cease and decist from this erronious derogatory reporting and they refuse. I want this completely removed from the bureau reporting as at the creditor actually owed me money while they were reporting me as delinquent.
Product: Checking or savings account

My account was said to be close in 60 days since XX/XX/XXXX. Till now they didn't close my amount and my money is stuck because the account is blocked. I call citibank on several occasions they always said their expert will work it, My savings is in that account almost 3 months behind my rent because citibank refused to send my check, I wrote them letter, went to branch so many times, all prove abortive, on XX/XX/XXXX they sent me another letter that my account will close in 60 days, I don't know what's going on, I just want my money.. see attachment documents below thank you
Product: Debt collection

XXXX XXXX XXXX XXXX sent charges to Genesis collection agency on XXXX. I was not aware that these false charges had been fowarded to the collection agency. Until XXXX when I went to buy a new car, at XXXX XXXX XXXX XXXX and was told there was an alert put on my report. I was denied for purchase of a car at XXXX percent because my credit score was XXXX. Also i have been denied housing because of this.I contacted Gensis by mail on XX/XX/2019 with explaination. THis is all in retalition due to me fillng human righ commision claim. They still have not provided me with all the original blls, that all say estimate.Nor have they put a dispute on my account or removed from my credit report.
Product: Mortgage

Loan mortgage was denied one week before closing because I supposedly committed fraud on a document that was translated.
Product: Credit reporting

File # XXXX I received this updated report. Still concerns : XXXX-I have previously requested this be removed as it is XXXX years old. REMOVE XXXX-I have requested this be moved- This account was never used by me and it is over XXXX years old. REMOVE XXXX-I have previously requested this be removed as it is old-over XXXX years old. REMOVE
Product: Credit card

I paid my balance on XX/XX/2023 = {$14000.00} Bank of America informed me at this time my account would be zeroed out Then Bank of America took an additional {$14000.00} out of my account in XX/XX/2023 I have made multiple phone calls with an average hold time of 50 minutes I received an email on XX/XX/2023 that I was to get the refund never got it more phone calls When someone finally came on the phone then discussed refund with supervisor said it would be an additional 10 days I said that if I owed you the money you would charge me a lot of interest XXXX hung up I called back again waited 42 minutes when I asked to speak to a supervisor I was Immediately disconnected AGAIN
Product: Debt collection

I have been a victim of identity and XXXX discrimination by Discover credit card. I was called a XXXX in a low tone while speaking with a Discover fraud rep under their breath. They said no XXXX when I asked to remove this s account for fraud. The company refuses to send me proof of written consent with me agreeing to any contract or purchase agreement. I was a victim in of identity theft after my wallet was stolen. This is also not a duplicate complaint. Discover is XXXX toward XXXX XXXX  and have selected to let this fraudulent account remain on my credit due to my race. Discover has failed to follow 15 U.S. Code 1681-2c which requires that fraudulent information is removed within 4 business days of receipt. This process was never followed. I have no help in this XXXX discrimination
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 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

I am writing to dispute about a fraudulent charge on my account which is XXXX XXXX XXXX and XXXX XXXX XXXX. I am a victim of identity theft and would like that the following account be deleted from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act
Product: Credit card or prepaid card

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX, XXXX, and Wells Fargo Card. The Account Opened is XXXX XXXX XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : { {$9400.00} } .00 }. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Vehicle loan or lease

My auto loan with Navy Federal Credit Union was paid off in early XXXX. About mid XXXX, I contacted Navy Federal Credit Union regarding my title. They stated that the Virginia DMV placed a hold on the title. Upon review of my past Virginia DMV account, there are no holds. 

I again requested the title with XXXX XXXX and was told that Florida DMV placed a hold on the title. After speaking to a rep at the Florida DMV, I was again advised there is no hold on the title. 

I have also made three requests to close my account with XXXX XXXX and Im getting no response. I have satisfied the auto loan, I have no title, I have never received a statement confirming the payoff of the auto loan, and I am still awaiting a confirmation that my account is closed and the funds have been sent to me. 

Im not happy with the situation and do not believe it is a fair practice to hold up my title and closing my account when I no longer wish to be a member of this credit union. As you can see from their latest response they are still providing incorrect information and totally disregarding the fact that I have not resided in XXXX since 2018 and provided them with my XXXX address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX as well as XXXX XXXX have violated my rights within the Fair Credit Reporting Act. They resubmitted debt on my credit report without any additional information provided. As protected under the FCRA section 611 I demand that this information be deleted from my report immediately. 

XXXX XXXX XXXX XXXX XXXX I feel that since the beginning of the pandemic, the FTC has not taken corrective action against creditors to protect consumer rights. Please protect my rights by deleting the following information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion not following cfpb or laws protecting people like me. I was told to send in a letter to remove inquiries I did not authorize by one of their employees, I did just that and its been over 30 days. I called to see what was going on they told me that I couldnt get the unauthorized inquiries removed because I have to investigate and call and get individual letters from each unauthorized company that put inquires on my report in order to get them removed. The management or the employees are following the law which one of them admitted that they had to follow the law. They did not investigate and only sent a email saying they could not investigate the information. I am distressed and they are giving me the runaround just to get information off my report I didnt even put on their. Not fair to me or others fighting to protect themselves. Its brutal and dishonest that they allow such treatment and lies giving people the runaround saying one thing then doing another. Its ruining people lives that they allow this
Product: Debt collection

EOS CCA agency placed a collection on my credit report showing I owed {$860.00} to XXXX. They have called me and I told them I owe no debt to them or XXXX and to prove it. They refused to show me proof of the debt and they continue to call me with threatening calls. I did a little investigation myself. I found two email letters sent to me from XXXX showing I returned their equipment which is proof I owe nothing to XXXX or the agency. I filed a complaint with XXXX  regarding XXXX sending a debt to an agency that I do not owe. Someone from XXXX called me name XXXX XXXX who left a message and said she would investigate and find out why the agency was calling me she also said she was going to contact the distribution center for XXXX to confirm the equipment was returned. The next day I get an email from Ms. XXXX telling me that my account was sold to EOS CCA agency and that she could not do anything to assist me and that I needed to contact the agency. I have proof XXXX received my equipment which I will upload for you to review. XXXX refuses to acknowledge they are selling accounts to an agency for debts that most people do not owe. They refuse to own the fact that they did not update my account to show the equipment was returned to show I owe nothing. In fact I received another call from someone name XXXX at XXXX executive office claiming that it is not their responsibility to contact the agency it is my responsibility. I told XXXX that it was XXXX fault my equipment was returned in the year 2017 and they neglected to update my account accordingly for that reason they sold my debt in error for a debt I did not owe. I asked for his boss and he refused told me again it was nothing they could do. I ended the call. He called me back and said I am going to notate that you hung up on me. I told him to since he refused to get me someone above him that there was nothing more to say. Call was ended again. I want EOS CCA to be investigated for buying my account in which I owe nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Equifax Information Services LLC credit report, and I noticed some late payments posted on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC is in clear violation of the law. Under 15 USC 1681B permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting angency may funish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

I did not give Equifax Information Services LLC written instructions to furnish this on my report. 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Execept as provided in paragraph ( 3 ), the term " consumer report '' does not Include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as an transactions or experiences between the Consumer and the person Making the the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

The mortgage company failed to apply my payment to my account. Instead of paying my monthly due they applied it towards an interest payment only -without my consent- and then applied late fee All Insurance Payment Principal Only Download 2020 Due Date Date Received Principal Interest Fees/Costs Escrow Suspense Payment Amount XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} {$0.00} XX/XX/2020 XX/XX/2020 XXXX {$1300.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$0.00} {$660.00} {$660.00} XX/XX/2020 XX/XX/2020 XXXX {$660.00} ) {$0.00} {$0.00} {$0.00} {$0.00} {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$1300.00} {$0.00} {$0.00} {$0.00} {$0.00} {$1300.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$660.00} {$0.00} {$0.00} {$0.00} ( {$660.00} ) {$0.00} XX/XX/2020 XX/XX/2020 {$0.00} {$0.00} {$0.00} {$2600.00} ( {$2600.00} ) {$0.00} s to my account.
Product: Credit card or prepaid card

On XX/XX/2021 a transaction of XXXX was charged on my Chase credit card by an unknown person. I filed a complaint first with Chase bank with their Claims department. They reversed the transaction when we filed the claim but later counted it again when they said that this transaction was made with the physical chipped card and so denied this charge. I later learned that our card was most likely stolen from our mailbox because we never received it. The building where our business was located sent us an email saying our mailbox is compromised and that we should take our mail before nightfall daily.