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

XXXX XXXX I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts thats inaccurate XXXX XXXX XXXX Opened XXXX {$830.00} XXXX XXXX XXXX Opened XXXX {$980.00} XXXX XXXX XXXX Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was in a car accident in XXXX the bill was submitted to insurance but a creditor put it on my consumer report and took me to court. I showed in court with the proof of payment and the judge dismissed the case on XX/XX/XXXX. 

I have submitted proof to the credit bureaus and to the collection company who keeps telling me the attorney never updated anything after court and they won't remove this from my consumer reports. 

I have all the court papers plus the paperwork from the XXXX tort unit showing where they paid this claim. It should have never been placed on my consumer reports.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa Violations, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, XXXX, Equifax and XXXX, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, XXXX and Equifax show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX XXXX and XXXX show me as 30 days delinquent and Equifax is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus.

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX XXXX, Equifax, and XXXX. I kindly ask that these negative marks be removed immediately from my credit reports.
Product: Student loan

In 2008 I applied for college with XXXX University, XXXX XXXX and was told that my classes would be {$810.00} per class. XXXX University took double that amount out of my loan and I have disputed these charges with the college and with Navient but can not get any relief from either company. Navient keeps putting my account in forbearance running the cost of the loan up even higher. Somehow the company took out 2 separate loans out under my name and no one can explain to me how that occurred. I am requesting some type of help with this matter.
Product: Credit reporting

I have XXXX tax liens on my personal public records that should not be there. Me and my father share the same name and I know they should be on his public records and not mine.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I made a purchase for {$84.00} and requested use of PayPal Pay in 4 option. The entire amount was sent to the vendor before I received credit denial from PayPal. The denial was based on " bankruptcy which included PayPal '' - erroneous information. I previously used this credit option numerous times and received from PayPal " Congratulations, all Pay in 4 payments have been completed ''.
Product: Debt collection

on XX/XX/2020 @ XXXX XXXX XXXX at Debt Recovery Solutions did not disclose relevant information regarding settling my debt at a lower amount until after payment had been submitted. Had the relevant information been shared at the appropriate time I would have had the opportunity to completely clear this debt but because they did not, this will now stay on my credit for the next 7 years. I would have gladly worked with them in order to get this fully pulled off of my credit but was not given that opportunity. The full amount to be paid was {$470.00} and was settled at {$160.00}. 

When XXXX said that it would be reported as paid at a settled amount I asked him what that meant and he refused to provide any sort of help or information as to how that would affect me. He then pushed to get off of the phone as soon as possible, not giving my an opportunity to understand what he did. It wasn't until I called XXXX that I was able to understand what had even transpired on that call. I didn't get full information or even an opportunity to receive full information. When I asked for a more thorough explanation they refused to provide one. 

I have attached the full conversation recorded with XXXX 's permission.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has shown varying dates of late payments on my vehicle loan from them that are incorrect. I've never had a late payment on that account and when I have inquired and then eventually disputed these errors with the company, the different bureaus shift the months around that they say I've been late and then closing the dispute and no fixing anything. I've attempted to have them correct this more than once now and even still the months that they say I was late don't even line up between the bureaus.
Product: Mortgage

My current servicer is charging high fees to make mortgage within the grace period and the more days passed within the XXXX days grace period the more the fees are. Why have a grace period when you tacking on fees to take the payment and these are not late fees. 
They are not sending me my monthly mortgage statements and I do not have access to them online as they locked out my and many other accounts. I have not seen my monthly mortgage statement in months and have send emails requesting this and no one has gotten back to me. This is a big violation. 
I made my most recent trial payment since XXXX XXXX that was mailed directly out of my bank account and they can not seems to locate it. 
So no mortgage statement, no confirmation of payments and fees being charged for making payments within the grace period
Product: Credit reporting or other personal consumer reports

Someone opened and used XXXX using my information, I tried to explain this account doesn't belong to me and to investigate this matter. I asked for documents to prove if this account belonged to me and they didn't send anything they stated the account had been verified within 30 minutes of my disputing with Experian. Also, my personal information was in a data breach three times along with my social security being compromised and on the dark web which I have proof of. They are ruining my credit by falsely allowing this account on my credit report. I also know numerous people is having the same problems with XXXX.
Product: Credit reporting or other personal consumer reports

I have sent in multiple to letters to have these items removed from my credit report due to the items being wrongfully applied to my credit profile and will like for these items to be removed ASAP. This is hindering me from having my report 100 % accurate and the FCRA states my report should be 100 % correct.
Product: Vehicle loan or lease

I was involve in a rollover with the vehicle and was told XXXX that I didn't have collision that I dropped it off my policy ( not true ). I called XXXX finance and asked it they mandate by applying this and they said no. I got no notification from the finance company nor XXXX that I didn't have coverage. How can this happen that me as the consumer is responsible for someone elses eror.
Product: Consumer Loan

To whom it may concern : I saw the write up on Herbies in the XXXX XXXX and was intrigued to send in my complaints we bought a XXXX Kia Sorento in XX/XX/XXXX. The total loan was XXXX To say the least the XXXX was worth a third of the loan. We went to trade it in last year finding that the XXXX XXXX value is less than XXXX. We stilled owed XXXX at that point so we would have to pay off the loan and have money down for a new vehicle. 

In XX/XX/XXXX the motor blew in the XXXX. They replaced it with a XXXX motor which has n't ran favorably since, it burns oil, has a knock and squeals obnoxiously. I 've had it in 3 times for them to look over the problems with them only dismissing the situation. And there is still an oil leak in the manifold, it burns oil obnoxiously. 

To say the least it has been very frustrating to pay for a overpriced vehicle that does n't run! So may times I just wanted to drive it and park it on their lot. Yet integrity even when taken advantage of is still morally correct. 

We also have a XXXX Chevy pick-up that is under the same scenario charged XXXX + and again worth half as much. And it has a device added to the motor that if you are late with a payment ... they disable the vehicle. Yet we have had the experience where they have taken out 2-3 + extra payments in 2 consecutive months. 

{$700.00} per person is minimal refund for the monies payed for a car worth half of what it is worth. And nonfunctional! 

I would like to know what 's being done about my specific situation. Please reply. 

Thank you! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is alarming. I noticed that there's inquiries on my credit report that I don't recognize, I did not authorize this nor given consent to these companies to pull up my credit report. This is making me stressed and anxious.
Product: Debt collection

I received notification from a home lender that I have a collection account on my credit from California Business Bureau for {$590.00}. 
I called the California Business Bureau to learn what the account was for. I did not have knowledge of the account. 
They told me that it was a remaining balance from a XXXX at XXXX XXXX XXXX in 2014. They also stated that the balance had now gone from {$590.00} to {$750.00}. I called the same day the credit report was issued. 
California Business Bureau said that {$590.00} was the principal balance, and the additional charges was interest placed by California Business Bureau. 

I called XXXX XXXX XXXX to confirm that this was accurate. XXXX XXXX XXXX informed me that the principal balance was {$290.00}. The original balance was {$590.00}, however I paid {$310.00} on the day of XXXX. Leaving {$290.00} remaining. 

I then called my insurance to confirm that the patient responsibility being claimed by XXXX was correct. They said that the patient responsibility had been fulfilled and no other payment was due. 

I then called California Business Bureau again, and explained the descreency between my insuracne company, the hospital and them. 

They told me I was wrong, and to quote XXXX XXXX ( who I spoke to ) I was " full of XXXX. '' I suggested more than once that I would pay the true balance of {$290.00} declared by XXXX XXXX XXXX that was sent to California Business Bureau,  including their interest. They declined, and only would allow me to pay their stated about of {$750.00}. They continued to claim that I was lying. 

I offered XXXX to have a call with me and XXXX XXXX XXXX so we could collectively get to the bottom of the true balance owed. She declined.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX  XXXX Dear Sir or Madam : Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries in Question Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I have the right to dispute inaccurate information and request that a reasonable investigation is conducted. I have previously disputed the items listed above, and they have come back as verified without proper evidence provided. 

Specifically, I refer to the following subsections : ( a ) ( 1 ) : Reinvestigation Required ( a ) ( 6 ) : Notice of results of Reinvestigation ( a ) ( 7 ) : Description of Reinvestigation Procedure I request that you investigate these items again and provide me with the following : XXXX. A detailed explanation of how the investigation was conducted as per subsection ( a ) ( 7 ). 
XXXX. The contact information of the furnisher of the information as per subsection ( a ) ( 6 ). 
XXXX. Evidence from the original furnisher that verifies the accuracy of the information as per subsection ( a ) ( 1 ). 

If the information can not be verified, I request that these items be removed from my credit report according to subsection ( a ) ( 5 ). 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I contacted BOA in regards to disputing transactions after my debit card, dl and items were stolen. I had been XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I noticed a payment was declined, checked my account seen my account was drained. Charges range from XX/XX/XXXX XX/XX/XXXX. I called bank, disputed charges. I faxed police report, other items where someone opened a account with chase bank, Car I, XXXX XXXX. Bank of America said they had not received. They denied claim. I called again, faxed papers again. They reopened claim, I called for days asking if they received, each time a representative told me something different. I have the recordings from each of the representatives. Then after a day and half of reopening the claim, they deny claim yet again. In the meantime I have started calling the merchants to dispute from them, they all are stating they did not receive a dispute from bank of America. A few I called tried to reverse payment, but was denied from Bank of Ameica. I have been in contact with Legal Aid, however everything takes time.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONWIDE NORTHWEST LLC DBA Nationwide Acceptance LLC. is showing the incorrect amount financed, incorrect amount that was past due and the incorrect amount due as of today XXXX. I paid this off IN FULL on XX/XX/2023. This account is still showing late and reporting late/incorrect to the credit bureaus. This has been past 57 days as of today XXXX, 3 days from now will be 60 days!
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain inquiries on my credit report that are older than one year, in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609 ( 3 ) ( A ) ( ii ). As specified in the FCRA, inquiries for any purpose other than employment purposes should only remain on a credit report for the one-year period preceding the date of this request.

Since these inquiries are not related to employment and are older than one year, I respectfully request their removal from my credit report. Please update my credit file accordingly and provide written confirmation of the changes made. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Experian is completely and inaccurate reporting my credit and my accounts. On their website, they are reporting my credit report has not been updated. When looking on the XXXX, and XXXX reports, my credit score is complete different. This is a violation of the FCRA. And I am seeking legal action. 

They do not stay consistent with information and they are inaccurately reporting.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them either.
Product: Vehicle loan or lease

While looking at my credit report, I noticed two missed payments on my JPMCB AUTO FINANCE account. Due to suspected coronavirus, I was unable to work between XXXX and XXXX. Financial possibilities did not allow making payments on time. In addition, I paid off this account.
Product: Debt collection

I tried to find the opporiate selection of the complaint ; however could not find XXXX which would apply to this particular situation. While employed for Portfolio Recovery Associates it was brought to my attention that they had purchased a portfolio which contained an account which was mine, but the statute of limitations was well expired. I can not recall the the orginal creditor ; however the debt was well over the 3 year statute of limitations in which I was a resident of, which is XXXX XXXX. I was informed by XXXX XXXX that I had to resolve the debt inorder to maintain employment with the company. The amount was around {$1500.00}. In order for me to maintain my employment I had to sign an agreement to allow PRA to deduct post tax, {$50.00} a pay period for one year to resolve the issue. It was in my employment agreement that any employee who was found to have a debt in a portfolio PRA owned that it must be resolved to maintain employment. It is my opinion that the debt should have been disvolved based on my state of residence and should have never made it into their system to begin with based on NC statutes of limitations. There was an extra payment removed from my check after the agreement had been met, which PRA subsequently refunded to me. Further more after resigning from PRA I recieved another letter informing they had purchased another portfolio with another debt in which the 3 year statute would apply. Other than the intial letter I have not recieved any further communication of the debt or its collection status, this was in XXXX of 2015. I can not recall the amount, but remeber that the debt was outside of the allowable time NC has put in place. I do not know if there are any other accounts in this status with them and would like to find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection added to my credit report a collecting in amount of {$100.00} I sent Information sent this is not my account it was removed and then added back with new company XXXX XXXX i 'm disputing this and requesting that this be deleted from my credit report XXXX XXXX this was added onto my credit report I sent an information showing that it was not mine they took it off for a month or two and now when I look at my credit report is back on there for them out at {$200.00} i 'm requesting that this be deleted from my credit file Collection on credit report from XXXX XXXX XXXX XXXX sent information and stating that this is not my information this is not belong to me and it was not removed or nor was it investigated requesting that this be deleted from my credit file All three of my credit reports have significant inquiries that I did not get permission for anyone to run my credit I am requesting and have requested from all three bureaus to remove these from my credit file there still on there I 'm requesting that all inquiries be removemycredit file
Product: Bank account or service

On XXXX XXXX I decided to end my business with Chase for various reasons, I did n't like some interactions I had with them of recent, and I did n't feel comfortable with them handling my money. 

On XXXX XXXX XXXX issued me a refund for XXXX purchases that did not download completely. After waiting a few weeks, I called Chase to inquire about the check refund. I talked to a supervisor named XXXX, who was fast to get me off the phone. I provided her the transaction number ( XXXX ) for the refund, for which she said that she could n't find, and then she abruptly hung up on me. 

I then spoke to XXXX in Claims Escalation, who would talk over and give me contradictory information, who then also hung up on me. 

Chase claims that they would not be able to locate the refund and issue a check. From past experience I know this not to be true. It 's alarming how Chase dose conducts business.
Product: Debt collection

RADIUS GLOBAL SOLUTION Original creditor : XXXX in the amount of {$510.00} is currently trying to collect a debt from me after this same account was deleted on XX/XX/year> from my report under a different name. XXXX XXXX XXXX  Original creditor : XXXX  in the amount of {$510.00}. XXXX and XXXX bureaus re-inserted this debt back on my credit report XX/XX/year>. I disputed this debt with the credit bureaus on XX/XX/year>. I asked to please provide me with debt validation and original contract I signed that states I owe this debt.