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

Dispute of Inaccurate Reporting Account # XXXX Dear Equifax Dispute Department , I am writing to formally dispute the inaccurate reporting of the above-referenced account on my credit report. According to your records, this account reflects a balance of {$16000.00}. However, I have documentation ( attached for reference ) from XXXX XXXX XXXX stating that the actual deficiency balance is {$5600.00} after the repossession and sale of the collateral. This discrepancy is not only significant but is a violation of the Fair Credit Reporting Act ( FCRA ) 1681i and related consumer protection laws.

Grounds for Dispute : 1. Inaccurate Reporting ( 1681e ( b ) ) : Under the FCRA, credit reporting agencies must ensure the accuracy and completeness of all information reported. The discrepancy between the actual deficiency balance provided by XXXX XXXX XXXX and the amount being reported by Equifax clearly demonstrates a failure to meet this requirement. 

2. Verification Requirement ( 1681i ( a ) ( 1 ) ) : I request that you immediately conduct an investigation into this matter and verify the accuracy of the reported balance. If the creditor can not substantiate the reported balance of {$16000.00}, this account must be corrected or deleted from my credit file. 

3. Unfair and Misleading Information : Reporting an inflated balance misrepresents the true state of this account, which negatively impacts my creditworthiness and violates consumer protection principles.

4. Potential Violations of FDCPA ( 807 ) : If this inaccurate balance is being communicated as an attempt to collect a debt, it may constitute a false or misleading representation under the Fair Debt Collection Practices Act ( FDCPA ).

Action Demanded : - Immediately remove or correct the inaccurate reporting of this account within 30 days, as stipulated by the FCRA. 
- Provide written confirmation of the outcome of your investigation. 

Attached to this letter is documentation from XXXX XXXX XXXX showing the correct deficiency balance, which unequivocally supports my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Experian consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX Account # : XXXX Dates Of Late Payments : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 YOUR COMPANY IS IN CLEAR VIOLATION OF THE LAW. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except 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 to transactions or experiences between the consumer and the person making the report ; UPDATE THE ABOVE LATE PAYMENTS FROM MY CONSUMER REPORT TO ( CHANGE AS AGREED ) or ( OK ), this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account ( s ), and sending out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Checking or savings account

I have a Bank of America personal checking account under account number XXXX. 

Due to the Coronavirus, it was determined that we needed additional funds to prevent bankruptcy. We applied for a XXXX XXXX from XXXX XXXX and were approved in the amount of {$10000.00} after extensive identity, wage, tax, and other verifications. 

This XXXX XXXX was sent to my Bank of America personal checking account listed above on or around Monday, XX/XX/XXXX. The funds were readily available for our use and were needed to pay several extremely overdue debts and other permissible purposes as stated under our XXXX XXXX XXXX Note. 

On XX/XX/XXXX, I went to go and withdraw money at a Bank of America ATM and it was declined even though I had sufficient funds in my account. I called into Bank of America and was told that my account was being closed because this XXXX XXXX  was sent to my account in the name of XXXX XXXX XXXX. I legally changed my name from XXXX XXXX XXXX to XXXX XXXX. When I opened this account, it was in the name of XXXX XXXX XXXX. I needed to go into my regular branch at XXXX XXXX XXXX, XXXX XXXX, NY XXXX and provide a certified copy of the court order authorizing this legal name change in order to have the name on my account updated. 

This same issue of having a name mismatch caused a check deposit in the amount of {$1300.00} that I made at a Bank of America ATM into my personal checking account to be rejected. This occurred even though Bank of America has a true, certified copy of the attached court order legally changing my name from XXXX XXXX XXXX to XXXX XXXX on file. The check referenced in this paragraph was from a lawsuit settlement and re-issuance in my new legal name ( XXXX XXXX ) will require a court order. A true copy of the letter which was sent to the court to have this {$1300.00} settlement check reissued is attached to this complaint. 

Directly due to COVID-19 and the mandatory government shutdowns as well as other precautions which are currently in place to prevent the spread of the Coronavirus, I've been unable to update my legal name on my State ID or Social Security Card. I have submitted the required documents in person at the Social Security XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX to change my legal name on my social security card in XX/XX/XXXX. 

I have attached a true, certified copy of the court order legally changing my name to this compaint. 

I have attached true copies of the front and back of both my Social Security Card and State ID in my old legal name XXXX XXXX XXXX. I have also included two separate selfies holding my NYSID ( in my old legal name XXXX XXXX XXXX ) to this complaint. 

I have attached a true copy of my Passport in my old legal name XXXX XXXX XXXX. 

I have attached relevant documents pertaining to the XXXX XXXX which was deposited into my account including my original XXXX XXXX  Application, the Lender 's ( XXXX ) Application, and the Promissory Note. 

I hope this misunderstanding does not impact our ability to do business together.
Product: Debt collection

Alliance One debt collector Account # XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  BALANCE DUE : XXXX I ONLY WILL DEAL WITH THE ORIGINAL CREDITOR TOLL FEES WERE PAID THIS XXXX IS SOME ASSESSED LATE FEE ( S ) ADDED ON AS ADDITONAL MONEY OWED I AM TAKING IT UP DIRECTLY WITH ORIGINAL CREDITOR ONLY- ASKING FOR A WAIVER OR FORBEARENCE DUE TO NATIONAL EMERGENCY
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you Equifax block fraudulent information appearing on my consumer credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ). This request is made as a result of identity theft, and I expect the inaccurate information to be blocked within 4 business days of your receipt of this letter, as per the FCRA guidelines.

I have identified several accounts and inquiries on my Equifax credit report that I did not authorize or open, which are the direct result of identity theft. These fraudulent items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These fraudulent accounts and inquiries have resulted in negative impacts on my credit report, including multiple collections and hard inquiries.
Product: Credit reporting or other personal consumer reports

I JUST CHECKED MY CREDIT REPORT FOR TH E FIRST TIME AND NOTICED THERE ARE UNAUTHORIZED INQUIRIES ON MY REPORT MY SOCIAL MUST HAVE BEEN USED IN THE LEAK OF THE DATA BREACH - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

Paypal has in fact tried 3 times to debit my bank account..after i revoked my account information from them. ( because of illegal activity ) and ( fake tracking number from ebay ). also after i did a chargeback with my bank.and paypal refunded my money ... they retaliated against me..by revising my paypal account to show a negative balance and fowarded it to a collection agency to try to damage my credit for a debt i do not owe ... they did this after the fact,, a retalitory action against me for doing a charge back for money thats rightfully mine which they refunded to me ... for a failed ebay purchase in which i recieved a fake tracking number for the ebay item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I thawed my credit report on XXXX I received a confirmation that my credit freeze had been lifted. I then applied for a loan at XXXX XXXX XXXX XXXX and was told my credit had a freeze on it with Expierian. I attempted multiple times to contact Expierain by phone but was unable to speak to a representative. I was trapped in a ridiculous AI phone system that spends you around in circles multiple times over the course of 1 1/2 hours. 
My credit has not been thawed and I can not get the loan I requested because the XXXX XXXXXXXX XXXX XXXX XXXX  have a XXXX grip on my credit report and refuse to answer the phone. 
I have now received a letter stating that I must submit multiple types of documentation to prove I am who I say I am that I already did to lift the freeze. 
Please help me escape the stranglehold the idiots have placed on my credit report. 
I will probably have to pay cash to escape the tyranny these XXXX on afflicted on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue upsets me a lot because I know that it'll affect me with my further transaction and I know it'll become harder to make deals with credit. On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting the last active date inaccurately to all XXXX  credit bureaus this is inaccurate information and needs to be deleted from my report.
Product: Debt collection

Wrong amount is n't accurate, but closest choice above. They have refreshed an old debt that I stopped paying on XXXX. They have refreshed it to XXXX. I have disputed with all XXXX credit reporting agencies and re-disputed with XXXX and XXXX. They keep saying the debt collector confirms the last date of activity. XXXX also told me they do not require proof from debt collector.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I noticed numerous accounts that are being reported with inaccurate information that is damaging my credibility. The accounts are as follows : XXXX Account # XXXX this account was opened XX/XX/year> and is reported as 30 days late, but showing on time payment history. 
XXXXXXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX Account # : XXXX this XXXX Date Opened, No.of months ( terms ), date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX XXXX  Account # XXXX the account status is PAID, and should not be reporting as a collection XXXX. XXXX XXXX XXXX Account # XXXX this accounts No.of months ( terms ), date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX PT Account # : XXXX this accounts Date Opened, last reported, and l date last active,, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this XXXX XXXX Opened, high credit limit, last reported, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX ( Original Creditor : XXXX XXXX ) Account XXXX XXXX XXXX this accounts Date Opened, and l date last active, are reported with different information to all XXXX credit reporting companies and has missing information XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX Account # : XXXX this accounts Date Opened, high limit, high credit limit, date last active, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date last active, last reported, and date of last payment, are reported with different information to all XXXX credit reporting companies XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX this accounts account number, Date Opened, high limit, high credit limit, date XXXX active, XXXX reported and date of last payment, are reported with different information to all XXXX credit reporting companies XXXX XXXX Account # XXXX this accounts Date Opened, high limit, high credit limit, date last active, last reported and date of last payment, are reported with different information to all XXXX credit reporting companies.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX XXXX credit reporting agency , and Equifax credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX XXXX XXXX  in XX/XX/XXXX, and XXXX XXXX in XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( private case number ) as proof from the US Federal Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, a US Citizen, and a consumer whos consumer rights are protected by 15US code consumer laws. I recently received a copy of my consumer report and found that my consumer rights have been violated under the law. XXXX XXXX Bank account number XXXX has furnished late payments on my Equifax consumer report in XXXX XXXX and XXXX of 2023, This is a clear violation of my consumer rights by both XXXX XXXX Bank and Equifax. 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code clearly states ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I gave no permission or consent verbally, written, or electronically to furnish these alleged late payments on any of my consumer reports. Furthermore, the Fair Credit Reporting Act 15 U.S. Code 1681a - Definitions ; rules of Construction- Exclusions from a consumers report clearly states. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeA consumers transactions are excluded from consumer reports. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete these alleged late payments on this account for this is a direct violation of my consumer right under this law and is grounds for legal action against all parties involved. Failure to respond to my demand under the law in 30 days or less will result in legal action for which I will be seeking damages of {$1000.00} per violation. 1 ) Defamation of Character 2 ) FCRA 15 USC 1681 violations for willful non compliance -616 Civil Liability for willful non compliance under 15 USC 1681n Please Understand these actions taken by these companies to furnish then report these marks have harmed my credit and reputation and my ability and freedom to bank, do business with, obtain funds, be approved for credit at low interest rates and to buy or move into a better place for me and my family. Please address this in a timely manner under the FCRA. Thank YOU
Product: Mortgage

I am being harassed by RMS Reverse Mortgage Services through whom I obtained a Reverse Mortgage last year. I have signed and returned three times, in the self-addressed envelope they provided, their letter of request for Certification of Occupancy. They continue to telephone me, threatening foreclosure. When I call them back, they insist they have never received my signed letters. Twice now they have left anonymous letters at my home, once entering my closed gate to leave it in my screen door, and yesterday a guest brought me another anonymous letter which was left on my front gate. Last week, in another telephone call from RMS insisting no signed letter of Occupancy has ever been received from me, I asked them to email a fourth such letter, said I would sign a fourth Certification of Occupancy, scan and return by email to RMS. Their agent agreed to email me the letter. I have received no such email, and yesterday 's delivery by my guest of their anonymous letter is the last straw. I have attached a copy of the first letter and envelope stuck in my screen door. 

I have excellent credit and should not have to put up with nasty phone calls and threatening letters. The only money I owe to RMS is the reverse mortgage they are accruing interest on each month, which will be paid if I sell my house or die.
Product: Debt collection

I was out on XXXX XXXX. I was seeing the doctors at XXXX XXXX detail I did not make an appointment that I was supposed to and I was forgot to call they tried to tell me for breaking the appointment I owe them {$25.00} I told them this is through XXXX XXXX I dont have to pay {$25.00} they refused to except thatThey would not except that as an answer
Product: Debt collection

Toll free number XXXX has been calling me for the past 10 days. I have told them each day that they have the wrong number. Every day I'm told that my number will be removed from their calling list, however they keep calling every day some times twice a day. I have filed an abuse complaint with their service provider and now with CFPB.
Product: Student loan

On XX/XX/XXXX I received a letter from MOHELA indicating that my student loan was paid in full. According to the letter this was effective XX/XX/XXXX. As of this date my credit reporting agencies reflect the loan as still open. I would like MOHELA to update my credit reporting agencies ( XXXX, XXXX and XXXX ) with the information that this debt is paid in full and closed. 

Amount of the XXXX is {XXXX} Status per credit bureau- open and in good standing According to letter from MOHELA this loan is paid in full effectively on XX/XX/XXXX Last time MOHELA reported an update to the credit bureau was on - XX/XX/XXXX I emailed MOHELA in XXXX of XXXX and never received a response. 

Thanks for your help
Product: Credit card

Bank of America has an option on their Automatic Payment web page that says in essence " if my bill is over {$1000.00} - do n't pay it. '' So you think you are setting up an automatic payment, when in reality you are actually telling the site to automatically not pay your bill. Then, when your bill is not paid, Bank of America charges you a {$25.00} late fee. This seems like a deceptive business practice designed to trick people into missing payments in order to generate income for Bank of America.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2016 my ex-boyfriend totaled his 2016 XXXX XXXX. I was a co-signer for this lease. The insurance company paid the lease off in full, and sent payment to XXXX XXXX. The lease is still showing up on my credit report nearly 5yrs later. I have called multiple times over the past 9 months to have this removed, and have been unsuccessful. All of the agents/managers tell me to wait, which I have, and it will be removed eventually. That is completely unacceptable, as it is ruining my credit score and my ability to apply for loans. 

All that I am asking for is written confirmation that this is a reporting error, and that it should not be on my credit report. 5 agents have confirmed this with me over the phone, but refuse to put it in writing. I have all of their names and badge numbers, and would be glad to share.