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

15 usc 1681 sec 602 sec a, states that the credit bureau cant furnish a acct without my written consent. 
The following accounts need to removed from my credit report asap. 
I have requested written proof of these debts and the credit bureau has not complied. 
I have opted out of aribitration and will sue the credit bureau. 

XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX  XXXX XXXX acct number XXXX XXXX XXXX act number XXXX XXXX XXXX scct number XXXX XXXX XXXX acct num XXXX XXXX XXXX act num XXXX XXXX XXXX acct num XXXX XXXX XXXX XXXX acct XXXX XXXX. XXXX, all XXXX old Need to be removed from equifax XXXX XXXX  and XXXX
Product: Checking or savings account

Dear bureau, I found company XXXX XXXX XXXX XXXX XXXX to unlawfully be reporting on signature of account name. I applied for a capital one bank account and was denied account access by criminal company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In sabotage, I, was denied account approval with three letter birth-given name and surname for a sabotage account name that doesn't stand for signature of first and last name. I gave bank a photo copy of identification with social security number signature and XXXX XXXX XXXX XXXXXXXX unlawfully reported against approved account of capital one bank to result in denial of account for sabotage report of a name that doesn't stand for first and last name of signature with clear account. The customer service had ready the misunderstanding of 3 letter first name and attempted mispell account name before user input. The company used XXXX XXXX XXXX against bank and service agent to interfere with agent & customer issued perfect credit file. The XXXX XXXX XXXX XXXX  attempted to force agents will to mispeak name I pronouced correctly for agent to result in delaying account by 3rd party company. I have never used correct account name in my life, and the XXXX XXXX XXXX XXXX was dishonest to bank in reporting from a sabotage name that doesnt stand for state identification or the name given from report issued. 
Company contact : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an address about 5 times that it does not belong to me. Equifax employees have told me it will be deleted 100 %. There is not account of mine that reports that address. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Payday loan

This is a payday loan that I do not remember taking out from back in 2003. I received a phone call stating they were NOT a collection agency that they were sending the information over to swear out a warrant in debt against me for XXXX if paid today or XXXX if not paid today. I have not received any notification for this debt in over 12 years but I remained in the same area. I asked for information about the debt the first gentleman ( rudely ) suggested that I had this money wired to my bank account and presented a check on an account that was closed. This is not the case as they verify that accounts are open prior to giving funds to anyone. Further when I asked for the location or information about the original creditor I was provided with my maiden last name, a last four digits of an account and routing number that supposedly belonged to me and the year of 2003 but no real information pertaining to the creditor. The did give me Ace Check Express but could not provide me with the city, state, store number or circumstances around the attempts to collect the debt. Further, I told them that I was in a Chapter XXXX Bankruptcy and that they would have to wait until I contact my attorney because all debts that were on my credit report were placed under the bankruptcy. I was told specifically that they are not affected by my bankruptcy because intentionally do not report to the credit bureaus for that reason alone. This is unfair to me as a consumer and I would like this investigated. They are defrauding the bankruptcy system and it should not be allowed. Further their collection efforts were weak and non existent over a 12 year period where I was in a high visibility job and in the area. XXXX is the number I was contacted by and now I feel as if I am being extorted.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by ( XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

Hello! Im writing about an issue Im having with Equifax. 


There are four closed accounts showing on my Equifax credit report, all STATING that I have XXXX  late payments, but then reporting that I have multiple late payments. Ive asked them to verify the correct dates and amounts for the closed and charged off accounts, as both the date and amounts are different across all three bureaus. They SAID they verified the accounts but when I asked them to provide proof of said verification, the proof they sent doesnt even almost match whats being reflected on my account. In addition to that, there are dates that have been clearly changed and updated to have happened in XXXX  when these accounts have been closed for years. Is Equifax allowed to change the dates of when my accounts were opened/closed or the dates/amounts I paid? Can the CFPB possibly look into the validity of their claims and provide me with the proof of verification? The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im just trying to have a uniform credit profile across all three bureaus, so I know what Im working with. If Equifax can not tell me why this information doesnt match and is actively still inaccurate, then I would like to have these accounts removed from my report completely. Thank you very much for your time!
Product: Mortgage

Property is upside down. origanal loan {$140000.00} ( 2008 ) payments made for 10 years ( $ XXXX/mo ) currently owe {$140000.00}, property valued at - {$70000.00} ( trying to return property to mortgage holder ( deed in lieu ) ( no second ) property located in national forest federal land. ( cabin ). No cooperation from mortgage holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying and have been unsuccessful to correct items on my capital one account ending in XXXX. They are stating I was late on this account on several occasions, which is not true. They show a late payment XX/XX/XXXX and for XXXX and XXXX of XXXX. This information is incorrect and has never been late, but yet they still show on my report as late. I was told by the Capital One customer representative at the time that there was an issue with the system and that may have caused these to show late during the XXXX  year. I didn't think these items would show on my account. I don't believe I should be punished for the mistake of capital one. These mistakes have caused me issues when attempting to purchase a house and it's taking a financial toll on my life as well as my family 's life. Please correct these late payments to show in good standing and show I paid on time. Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a lock on my credit file that I did not put on, they also for some reason do not have my birth date on file or my current address. I just purchased a house last year and had no problem getting my credit report and now I can't get my report and My wife has XXXX and I need to refinance my house to help pay bills and equifax is holding me up. They gave me a fax number to fax information to them on Monday and the number was not working, I called them back and they told me they only have ONE fax machine for all of Equifax. I need my credit report and they are no help. I spoke with a supervisor named XXXX and she told me to have the credit file run with my old address but XXXX XXXX   could not do that due to underwriting thinking I don't live at my current address. Please help me
Product: Mortgage

This item should have been removed from my credit file XXXX XXXX as the XXXX mortgage was what Bank of America did was make a XXXX dollar payment on the XXXX mortgage on XX/XX/XXXX to extend the XXXX mortgage on my credit file until XX/XX/XXXX I have made numerous calls to Bank of America on this and complaints through the credit bureaus with no luck at Bank of America they just hang up the phone on me I did not think it 's was legal for Bank of America to make it {$1.00} payment and close out a loan as paid and closed on my credit file and stating that the consumer myself is the one who closed out and made the payment the account I never made such a payment nor did I make a payment on the XXXX mortgage which fell off credit report on XX/XX/XXXXThis is a XXXX mortgage were talking about from Bank of America why would I in my right mind make it XXXX dollar payment and pay off a XXXX mortgage when the XXXX mortgage was foreclosed on and has already been removed from my credit file I need to get this removed from all XXXX credit bureaus the XXXX mortgage. 

The XXXX years has passed I never made this payment of {$1.00} or closed out this loan I am attaching documents showing the XXXX dollar payment on XX/XX/XXXX on my XXXX XXXX credit report I also need to have this removed from XXXX and XXXX credit bureau reporting agency
Product: Credit reporting

Yesterday I was advised by XXXX that I am a victim of identity theft. I filed a report with the police who advised me to contact the credit bureaus. I spoke to reps at XXXX and XXXX who were helpful and will be sending me a credit report. 

By contrast with Equifax, it was IMPOSSIBLE to speak with a human being ( punch this, punch that ). After about 15 minutes the computer said I am not entitled to a report and disconnected me. That level of customer service is simply UNSATISFACTORY. It is apparent that senior management has NO interest in helping customers deal with identity theft. Perhaps the Fed Govt can get them to provide me with my credit report so I can determine if any accounts have been opened in my name.
Product: Mortgage

Good day! 
We would like to file a complaint to Fay Servicing. 
We are working on a short sale and until now there is no decision yet from Fay Servicing. We already escalate this several times but the status is still the same. The point of contact for this file is XXXX XXXX but she has not escalated this or make an effort to get the decision. The value of the property is {$240000.00} and the buyer 's offer is {$240000.00}. So we don't see any reason why it was not yet approved. 

XX/XX/XXXX- The file was tagged to have a complete package for the short sale review. 
XX/XX/XXXX - The file was tagged that it was under investor 's review. 
As of today, there is no short sale approval yet. It has been 2 months that they got the complete package but the file is not making ny progress. 

We would like to get the approval letter as soon as possible because we don't want to lose this buyer that has been patiently waiting but sad to say until now it was yet approved. 

Thank you. We greatly appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had five late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : Account Number : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I wasn't late. 
Thank You
Product: Credit reporting or other personal consumer reports

There is a closed account on my credit report ( s ) that is still reporting late payments, and in addition to that, all of the credit reporting agencies are reporting inaccurate information in regards to XXXX XXXX XXXX. They all display different balances, open & Closing dates and payment history. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SD {$520.00} Balance Opened XX/XX/2017 2017
Product: Checking or savings account

Someone stole my information and tried to open an account under my name with all the correct information from date of birth Social Security phone number address, but it is not me
Product: Credit reporting or other personal consumer reports

To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

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

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) 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.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT 6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Debt collection

I am filing a complaint against XXXX XXXX XXXX regarding an account they are attempting to collect, which I believe is incorrect and does not belong to me. 

The Social Security number associated with this debt does not match mine. 

I have contacted XXXX XXXX XXXX multiple times, explaining that I do not owe this debt, but they have been uncooperative and rude. 

I requested that they provide proof that they own this debt and have the legal authority to collect it. To date, they have failed to provide any documentation from the original creditor showing that they have the right to collect this debt. 

Despite my request to remove the account from my credit report, they have refused to do so. 
I am requesting that XXXX XXXX XXXX stop attempting to collect this debt and remove it from my credit report, as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Experian continue to report that I have 2 dismissed chapter XXXX 's even though I have sent them the letters from the Trustee showing that I did not enter into a Chapter XXXX wage plan. Reporting that I have dismissed Chapter XXXX 's indicates I entered into a plan that was dismissed and that is not correct. I never entered any bankruptcy plan as the alleged single debt was never validated as being owed to the alleged creditor. This is erroneous reporting and needs to be removed. I have reported this erroneous reporting multiple times with the latest reporting being XX/XX/2019.
Product: Student loan

I have encountered a number of problems while Navient has serviced my loans : ( 1 ) When making lump sum payments, Navient would ignore notes included in the request to apply the amount to my specific loan number with the highest interest rate. This happened on XXXX occasions. I called and they told me it would that them at least 2 to 4 weeks before they could reapply the balance to the correct loan. After waiting this period of time, the issue was still not resolved, and I had to make multiple phones calls over the months before the issue was finally corrected. 
( 2 ) Navient would not allow me to enroll in auto-pay at the end of my forbearance until after the first payment was made on each individual loan. It took them almost a month to confirm that I was finally enrolled in auto-pay and lower my interest rate accordingly. 
( 3 ) On the older version of Navient 's website, there was no option to specify which loan your payments went to. In order to do this, you had to call their customer service phone number and wait on hold for an unreasonable amount of time. 
( 4 ) Navient 's current website does not allow you the see the balances and/or interest rates when filling in the amounts for each loan you want to pay. It simply refers to them as loan-XXXX -- which makes it much harder to identify which loan should be paid first ( i.e. those with higher interest rates/balances ). 
( 5 ) On both the old and new websites, it 's impossible to tell which payment plan ( i.e. standard, graduated, etc. ) you 're currently enrolled in after you select it the very first time. 
( 6 ) In order to obtain general information about the payment plans available, Navient 's new site redirects you to their old site, which eventually redirects you to the federal website. Navient does not offer any information on the options available, which means you can not see this in relation to the specifics of your personal loans. 
( 7 ) The customer service hours are unreasonable. They are Monday through Friday only from XXXX to XXXX. This makes it very difficult for borrowers who are in school or working during office hours to contact them, especially given the long wait times to actually speak with a customer service representative. 
( 8 ) The Navient website does not advertise the Public Service Loan Forgiveness Program. I selected the graduated re-payment plan thinking I was doing the responsible thing, only to find out two years later that I am eligible for the PSLF program, but none of those previous payments I made qualify.
Product: Debt collection

PHOENIX FINANCIAL SERVICE has placed illegal derogatory information on my credit report. I have contacted them by mail about this matter on several occasions, but they have ignored my request to validate the said debt or contract that I owe to them. I have absolutely no knowledge of this debt. According to my rights under HIPPA they are in serious violation of the law. There has never been any type of relationship between this business and me. This very lewd act is punishable by law
Product: Credit reporting

For My XXXX loan which was declined ( case XXXX ), we applied to XXXX XXXX for the mortgage. The credit reporting ( XXXX XXXX ) was the same lies from XXXX, Equifax , and XXXX as with the XXXX reports. I called all the firms after the XXXX report and they agreed that some of the comments were not true. There was XXXX delinquent account, not multiple and that XXXX was due to a XXXX bill sent to my former wife ( over 20 years ago ) at an address I never lived at. I received the bill 3 mos. later and it was Paid. Too many inquiries were noted, XXXX by XXXX XXXX and XXXX which I do not have cards. Since 1976, all accounts paid as agreed and not past dues. Amounts owed on accounts is too high - not true. XXXX account, not accounts, for one month over the last 3 years - all bank revolving accounts are paid each month - XXXX balances. Proportion of balances ( again plural ) to credit limits is too high on bank revolving or other revolving is simply not true - I outright lie. XXXX XXXX knows me and says these reports are a small part, especially when my other financial condition is so strong. These credit reporting services are not being truthful and half truths are lies, not truths. How many other people who rely on their credit to live, have been unfairly treated by these firms.
Product: Student loan

My loans for XXXX XXXX XXXX XXXX XXXX XXXXXXXX fall under the group discharge category for students loans that are to be group discharged per The Dept of Education.
Product: Credit card or prepaid card

THEY did reissued me a new card but when I tried to use it they declined a purchase at XXXX XXXX for XXXX yet they claimed the card credit line was over 4k. they have been monitoring the card making it impossible for me to use. I am done with Discover card I no longer uses it. this is a clear case of Discrimination for what reason I don't know... .then they said that they was gon na report my info to all three credit bureau as fraudulent I dont know wither to seek legal counseling against this wicked company..or just don't do business with these clowns ......