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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To Whom It May Concern : I am writing to dispute an inaccurate charge-off that appears on my credit report. According to 15 U.S.C. 1681i, as part of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that I believe is inaccurate, and the credit reporting agency is required to conduct a reasonable reinvestigation to verify the accuracy of the disputed information.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681i : This law mandates that credit reporting agencies must investigate and correct inaccurate or incomplete information on a consumers credit report within 30 days of receiving a dispute.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

This charge-off is inaccurate and is causing significant damage to my credit report and financial standing. Therefore, I kindly request that Equifax conduct an investigation and remove the charge-off from my credit report.

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information.

Thank you for your prompt attention and assistance in resolving this matter. 

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

on XX/XX/year> I wrote to XXXX, XXXX XXXX, Core Logic/Credco XXXX XXXX, XXXX, XXXX and XXXX disputing a bankruptcy on my credit reports asking them to remove from my credit report to preserve my right to privacy according to 15 U.S. code S 1681A and per 15 U.S. code S 168B2 permissible purposes included with this letter I sent a copy of my old AZ  state ID, social security card with the name of XXXX ( My prior married name ) I also sent a copy of my new AZ state id and social security card with the name of XXXX along with my XXXX XXXX bill asking them to delete the disputed bankruptcy and to send me a copy of my updated credit report. as of todays date. XX/XX/year> the bankruptcy has not been removed off of my credit report nor have I still received my credit bureau report ( XXXX ) XXXX sent me a response with a report number XXXX for XX/XX/year> saying that they had verified the bankruptcy, I am not sure how because I wrote to the XXXX Bankruptcy XXXX wanting to know how they report this information since they are not a creditor, and they wrote me back a letter that they do not report this information to any consumer reporting agencies and that they are not responsible for verifying or validating information contained in consumers credit reports XXXX request more information from me that I had already sent in the packet in XX/XX/year>, which included the letter asking each credit agency to remove the bankruptcy a copy of my old state id and social security card with the name of XXXX also a copy of my new state id and social security card with the name of XXXX along with my XXXX XXXX bill??? 
XXXX has not responded at all.????? 

XXXX sent a response of who furnished the information to them who is not a creditor, the bankruptcy has not been removed from my credit report they did send an updated report to show who furnished the information to them. 
CORE LOGIC /Credco sent me a letter/form requesting the same information that I had already sent them in my XX/XX/year>, letter, I sent that form back filled out XX/XX/year>, and I still have not received a response back from that form nor have I received a copy of my credit report from them with the bankruptcy removed, as of today 's date XX/XX/year> XXXX did send me a list of creditors that are in good standing on my report however it does not show if the bankruptcy was removed as requested
Product: Credit reporting or other personal consumer reports

I am formally disputing the following items on my credit report, which I strongly believe are inaccurate due to a possible data breach : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have taken all the necessary stepssubmitting supporting documents and following up persistentlybut the errors remain unresolved. These inaccuracies have negatively impacted my finances and caused me undue stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that is free of incorrect or unverifiable information. I am requesting a full investigation into these issues and expect them to be corrected without further delay. Please ensure this is addressed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XX/XX/year> {$1800.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Checking or savings account

I get paid on XXXX XXXX XXXX  week. My boyfriend usually gets paid on XXXX XXXX week. Neither one of us have received our direct deposits. Our bank, capital one, is currently being sued and now suddenly they have technical difficulties and cant pay their customers? This is money that I go to work for that they have not given me. Its not like my job didnt send out my check, they just havent deposited it.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and my information was misused and now I have false not 100 % accurate accounts on my credit report. You keep on reporting me late on this following account under XXXX 30 days late in XX/XX/2022 but I was never late! 

You have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, you must remove this negative information and update it to paid or paying as agreed! This is clearly a discrepancy that you are still reporting up until now! Make sure that you will update this as never late!!
Product: Debt collection

I randomly received a notice in the mail from XXXX of a bill for {$780.00}, it stated the bill was for a new phone plan and a XXXX smart watch. It also stated this was paid for using my checking or routing number or online. 

I called XXXX directly and spoke with a customer service agent. They had no records of any balance I owed them. I asked them several times just to be sure. 

I didnt think anymore of it than just a mistake since XXXX  could not help me or had any information of this. 

They charged my bank for {$780.00} out of nowhere and I had to dispute it with my bank! 

I check my credit score regularly and thats when I noticed this same XXXX account balance for {$780.00} was placed on my credit score as collections. 

I disputed it immediately on XXXX XXXX and it was removed from my credit report. Now it is has happened again and I believe this has to be someone using my information or some kind of fraud. I really need help with this situation I do not know what else I can do about this.
Product: Mortgage

My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this, however, the escrow department claimed they had done no wrong, and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls, the escrow department finally paid nationwide, leaving my escrow account very short because of the double insurance payments. 
Now they write to me saying my escrow is short, and want to increase my house note by {$75.00} a month because they gave my money away. 
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department, and why they refused to even try to help me with this situation. Something is very wrong here, and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service, and the final failure to help me actually came from the department manager.
Product: Credit reporting or other personal consumer reports

I sent a letter onXXXX XXXX XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than XXXX business days.Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AR XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX, XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Per the attached letter and confirmed by my debt management plan with XXXX XXXX XXXX, my interest rate was agreed to be 10 %. 
However, for about 3 months I was charged the default rate of almost 30 %. I called and they promised an adjustment. None has come.
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting

I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report dated XX/XX/2020 with confirmation number XXXX. On this reports the information supplied was in reference to a dispute. Equifax returned the report showing the former address removed. The Issue is on my digital report I have confirmed by using to services still show this information on my Equifax credit report. have been working to have information on my credit report to report accurately. Please find the attached information, a copy supplied to me by Equifax that shows the information in question deleted on the report supplied. The information is still published on my credit reported and would like it removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy. 15 U.S.C 1681 section 604 A Section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXXXXXX Account type Credit card has violated my rights.

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

15 U.S.C 1681 section 602 A Section 2 : its also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Un-authorized inquiries 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 XXXXXX/XX/XXXX Inaccurate Tradelines It says I was late or bankrupt but I can't find any proof of that.You know those cases, Sarver v. Experian Information Solutions ( 2014 ) and Adams v. National Engineering Service Corp. ( 2006 )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXXXXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX XXXX  Account : XXXX XXXXXXXXXXXX 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 XXXXXXXX REMOVE ALL IN-ACCURATE ADDRESSES ASAP XXXX XXXX XXXX XXXX XXXX XXXX, MN
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal credit information is not reporting on XXXX XXXX XXXX Equifax and it is not allowing me to obtain credit.
Product: Student loan

I graduated from XXXX in XXXX XXXX. During my time at XXXX, my parents paid for my tuition/fees/etc. I did take up a few grants, but never took out a loan. XXXX XXXX, I received notification that it was time to start repaying a loan ... Navient said I took out a loan in XXXX XXXX for {$5500.00}, with my repayment schedule ( XXXX yrs ) totaling a loan of {$6700.00} once interest was added in. Again, I NEVER needed to take out a loan, or took out a loan. I called XXXX to rectify the situation, and at first they had no record of the loan. A week later, it popped up on their radar. They said the loan was applied to tuition. My parents looked back at their payments to XXXX and did not see any decrease in their end, so they paid the full bill. Again, I did NOT take out a loan from Navient, but was still charged with one. I have since paid the loan off, as of XXXX XXXX, but if possible want the money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Chase and XXXX XXXX several times that I live in CA and someone established a mortgage in XXXX. After much research, it appears Chase had the mortgage first and then XXXX XXXX had second This is not my debt please remove it from my credit report. Or provide proof with my wet signature that it is my debt
Product: Credit reporting or other personal consumer reports

XXXX XXXX - Settlement plan for XXXX month payment of {$39.00} and {$150.00} would be forgiven on XX/XX/XXXX. Was told account would be reported as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Settlement and Paid in full - {$340.00} ... Was told account would be reported as paid in full and all derogatory remarks removed and collection account would be deleted XXXX XXXX XXXX XXXX - Account Paid in full- {$610.00} .... Was told account would be reported and updated as paid in full and all derogatory remarks removed. 

XXXX XXXX XXXX - Called and spoke to a Representative and was asked to upload proof that I had insurance coverage prior to XX/XX/XXXX. And that once they received proof they would update the account and remove the collection account because I do not owe any money to the creditor. See Screenshot of conversation and correspondence email XXXX XXXXXXXX XXXX  - Account XXXX Paid in full {$850.00} and Account XXXX - Paid in full {$600.00}. Was told account would be reported and updated to reflect XXXX balance on both accounts and all derogatory remarks removed XXXX XXXX XXXX  - Account XXXX - Paid in full {$430.00} and Account XXXX Paid in full {$540.00} ... Was told accounts would be reported as paid in full with XXXX balance and all derogatory remarks removed
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I submitted a requested to have XXXX XXXX XXXX removed from my credit report. I have reported to the repositories that this debt is fraudulent, and I have not signed any guarantee. I have hired an attorney who expressed that I never signed a guarantee. The information in the application is not correct and obviously never been verified. The issue is the fraudsters are reporting to the credit repositories and are not providing any proof. The credit agencies are not requesting written proof of the debt. The documents have used electronic signatures in the fraud. I have enclosed my attorneys letter and email chain complaining of the fraud. I have requested the file be removed from my credit report for fraud with no result. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as WF EFS. This may have been a school loan through Wells Fargo. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her US bank  ( XXXX XXXX XXXX ) Again to my understanding there was a change in way Wells Fargo processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact Wells Fargo regarding a resolution, it was like talking to a wall, and got nowhere with the Wells Fargo From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still on my credit report.