23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to correct mailing ( situs ) address on mailpieces and credit file by intentionally reinserting invalid ( situs ) mailing address to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpieces I received via United States Postal Service on XXXX XXXX, 2015. 
Furthermore, Equifax Inc. ( XXXX : XXXX ) and its subsidiary Equifax Information Services LLC ( XXXX : XXXX ) continues to refuse to delete adverse account, to-wit : XXXX # XXXX on credit file by intentionally reinserting inaccurate and fraudulent information to my credit report, in spite of me repeatedly providing evidence of their error. CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX are germane. See mailpiece post marked XXXX XXXX, 2015, which I received via United States Postal Service on XXXX XXXX, 2015. 
Pursuant to 15 U.S. Code 1666 - Correction of billing errors, I formally request the following documentary evidence pertaining to alleged Account Number XXXX and alleged payee : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ) ) : 1. A copy of the original credit application and loan agreement and disclosure statement showing the terms of the agreement ; 2. A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted ; 3. Copies of all documents and financial instruments used to pay the disputed late payments ; 4. Copies of all charge slips, invoices, promissory notes, truth in lending insurance disclosures, and all other documents proving indebtedness ; and 5. Copies of all documents sent to me regarding the alleged account. 
Immediately remove this inaccurate and incomplete information from your databases, which I have advised Equifax Inc. and its subsidiary Equifax Information Services LLC on, at least, XXXX separate occasions, more than 60 days ago. 
This letter is not meant in any way to be an acknowledgment that I have any outstanding personal debt regarding disputed alleged debt. 
Sincerely, I am /XXXX/XXXX , on behalf ofXXXX XXXX , Without PrejudiceXXXX XXXX ( Ret. ) XXXX XXXX XXXX, VA XXXX XXXX, 2015
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 OPM data breach as well as Equifax 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to do a skip a payment.. it was approved i paid the required fee and was told to sign a paper i would receive within 10 days.. never received the letter so i called and i was told i would have to resubmit the application and that i would not have to pay the fee again since i already paid it well 30 days later my credit gets hit with a late fee and my credit dropped dramatically i called them and XXXX  said that its because i never paid the XXXX that was due for the skip a payment because the old fee of XXXX was applied to my account but not to the skip a payment so now it put me as XXXX past due and it keeps putting me late.. they are supposedly looking for the conversion where their employee told me I wouldnt have to pay it again since i already did but the executive team ( who I cant for the life of me reach in any way ) told me their associate was wrong but they where gon na look for the conversation where their associate told me I didnt have to pay its been a little over 3 months and no resolve my credit has been affected very very badly due to this i need help.
Product: Vehicle loan or lease

Extension was requested and granted on XX/XX/2023 for payment months XXXX, with next payment due month XXXX. I have received a cure notice since that time threatening further action. Fifth Thirds is also reporting these months as delinquent to the credit bureaus. This has since caused other companies to reduce my credit limit further impacting the damage fifth thirds is causing by inaccurately reporting. I have contacted fifth thirds when I received the cure notice and was informed there were extension files from XXXX that were not processed but they would make sure this gets handled.
Product: Vehicle loan or lease

I took out an auto loan with Wells Fargo. I traded the car in for a different car. The loan was paid off. I requested my GAP refund from Wells Fargo. I was told it could take XXXX to XXXX days. About XXXX  days later I received a check for the amount that my loan payments were. That seemed weird to me. That could not have been a coincidence. I called Wells Fargo asking about this discrepancy and wa told that was XXXX a coincidence. I was told I was only eligible for XXXX  % of my GAP insurance amount. He said do the math. It ended poorly.
Product: Checking or savings account

I opened a bank account with CITI bank two weeks ago and I immediately ran into issues with XXXX XXXX so I gave them a call. I was getting an XXXX error. I was transferred between people for XXXX hours just for them to tell me that its not gon na work. I then put money into the account so itll be active. On Saturday I tried to XXXX someone to pay a bill and they immediately froze my account so I called them so it can get unfrozen and the agent asked me one of my security questions and I answered it and he said it was wrong. He then asked me for my phone number and I said it and said that it was wrong and then said that he will be locking my account until further notice and hung up. After that I was kicked out of my banking app and I cant log in or use my debit card. Its been 6 days now and Ive been told that Id get a call back in XXXX and they theyd email their specialty department. I have yet to receive any sort of callback. I was told that my card would work by two agents and when I try the card it doesnt work. I was told to call the customer service department so I can reset my pin and they cant verify me with my phone number. Its been a never ending battle with them and Ive called close to 20 times at this point and Im told that Im gon na have to wait for a letter to show up but I dont believe that for a second.
Product: Debt collection

Back in XXXX I received a letter from : MRS BPO , LLC XXXX XXXX XXXX XXXX XXXX, NJ XXXX Under the acct # XXXX indicating that a debt from XXXX was owed. This was disputed as I did not have a contract with XXXX nor MRS BPO LLC, and sent via certified letter back to the company. At the company an individual named XXXX XXXX signed for it on XX/XX/2018. I now in XXXX have received the same letter from the same company for the same debt under a new acct # XXXX, and they're saying they didn't receive the certified letter for the previous acct number that was listed, and it has a new acct number because the debt was transferred between departments within their company.
Product: Debt collection

Procollect XXXX continues to send me debt collection mail for rent collection with a balance of {$1300.00} at XXXX XXXX XXXX XXXXXXXX XXXX located in XXXX XXXX I have already contacted them with documented proof as of XX/XX/year> that I did not reside in the state of XXXX XXXX  during the time they are notifying me of. I have already sent them proof of my other lease stating that I was in XXXX  during the disputed period. The collection mail continues to send once every three months or so, even after I've already addressed this issue with them over the phone. Each time they assure me that my name has been removed from their records, but they have not stopped sending the mail. This is a serious issue as during the first instance credit score took a hit ; it has since then been removed, but this company continues to harass me for a debt collection that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my credit report I noticed several inaccuracies with not only my name but with the addresses on my credit profile. These error are aiding in potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company fail to provide me any evidence or investigate properly or send me any documentation of the investigation that they did to validate the account
Product: Credit reporting or other personal consumer reports

Subject : Request for Comprehensive Resolution : Adjustment of Late Payment Entry Status Dear [ Credit Reporting Agencies ], I am writing to address the ongoing dispute regarding a late payment entry on my credit report and to request a comprehensive resolution. Specifically, I urge the revision of the late payment entry to accurately reflect a current status. 

Under the legal doctrine of estoppel by silence, as illustrated in the case of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not been provided with evidence substantiating the alleged debt. Consequently, I am compelled to presume the absence of such proof, thereby invalidating the existence of the debt in question. 

Adherence to the Fair Credit Reporting Act ( FCRA ) mandates the utmost accuracy and integrity in consumer reports. Therefore, it is imperative that my credit report faithfully mirrors my financial standing, devoid of any inaccuracies or unsubstantiated claims. 

I maintain with unwavering conviction that the current status attributed to the late payment entry is unjustified and incongruent with factual evidence. Consequently, amending the status to accurately portray a current, up-to-date depiction is not only equitable but essential to uphold the principles of fairness and transparency in credit reporting. 

Should obstacles arise in achieving this resolution, I reserve the right to explore alternative avenues to rectify this discrepancy. It is paramount that my credit report accurately represents my financial status, devoid of any unjustified or unverified entries. 

I implore your esteemed agencies to conduct a thorough review of this matter and to take prompt action to effect the necessary revisions. Your cooperation in resolving this issue expeditiously is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiry XX/XX/2019 Joint Account XX/XX/2019 XXXX XXXX, and credit Bureaus have closed the fraudulent " Joint Bank Account '' associated Fraudulent XXXX " Hard Inquiry '', but not the Hard Inquiry itself off of my credit reports.
Product: Credit reporting or other personal consumer reports

Under the FCRA I have the right to a fair and accurate credit report upon reviewing my latest credit reports I see that there have been multiple accounts opened and reported in my name that I didnt authorize nor were aware of I am XXXX havent had credit in 8+ years please remove the following credit cards from my credit reports Accounts Opened ( Without my authorization ) : CB INDIGO/XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I'm trying to find the source of an ACH transfer made to my checking account from XXXXXXXX XXXX  to Chase bank. Each bank says the other bank has the information and is responsible. I have made three calls to each bank and received no satisfaction. I want to know who has access to my checking account and who gave them that access. It seems to me a simple request and information I should have. Neither bank was cooperative. 

For me, the amount was considerable, over {$1600.00} I don't want to prevent the same source to begin withdrawals from my account.
Product: Credit reporting

I previously disputed an account reporting under the name of XXXX XXXX XXXX on my TransUnion credit file. I have sent several letters of dispute in addition to supporting documentation to CFPB and TransUnion. On XXXX/XXXX/2016, I received a response from CFPB that my dispute for case number : XXXX had been closed. The response included erroneous steps taken by TransUnion to investigate my dispute. On this same day, XXXX/XXXX/2016 I called and spoke with XXXX at XXXX XXXX XXXX XXXX, TransUnion reached out to his office on XXXX/XXXX/2016 and my account notes a dispute was received. I confirmed with XXXX at XXXX XXXX XXXX that I have a {$0.00} balance. This is a contradiction to what TransUnion is stating in their response to me. I requested a letter from XXXX XXXX XXXX on XXXX/XXXX/16 when I received TransUnion 's frivolous results in which I have attached for your review and reconsideration in reopening my dispute. I do not understand how a credit bureau can get away with reporting inaccurate information then be allowed to state in writing that they have conducted an investigation and confirmed the inaccuracies. I simply picked up the phone to validate what I knew was already correct. I have sent several disputes and received responses from TransUnion that their reporting is accurate when I have proven that it is NOT. I am requesting with this written notice that the inaccurate item be REMOVED from my credit report. This account is NOT correct and is causing me financial distress because of the derogatory information. If this FINAL request does not prompt you to conduct a proper investigation of the account in question, and send proof to me of said investigation, I will file a civil suit for damages. As previously stated, I take my credit very seriously and TransUnions lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. I am requesting this account be removed immediately from my file. I reserve the right to sue TransUnion for violations of the FCRA and I believe I can prove that they did not use reasonable measures to insure the accuracy of my credit reports and now are stalling the process further. I want this removed.
Product: Student loan

I applied for the Save plan in XXXX of XXXX. I was never told that my Save plan was approved until I looked on studentaid.gov. I also know I was supposed to pay a XXXX dollar fee, but that message was never sent by Mohela and I still am unsure if I have paid that or not. I submitted a paystub on XX/XX/XXXX and my monthly payment ( due XX/XX/XXXX ) remains XXXX. However, I look at the new monthly payment amount in another corner of the Mohela site and it states I owe around XXXX a month. This has not been reflected in my balance owed statement that was sent to me today with a billing date of XXXX. WIth my payment due date coming up on the XXXX, I just want to know what my balance will be and have competent people be able to answer phone calls within minutes... not hours and have online messages answered within days, not weeks or months. 

Screenshots attached include : 1. ) Time stamps of my sent messages not being answered in a timely manner 2. ) Statement from XXXX sent on XXXX stating I owe XXXX. 
3. ) Screenshot of Mohela homepage listing next payment amount of XXXX XXXX. ) Screenshot of Mohela homepage account summary stating monthly payment amount to be XXXX under the SAVE plan
Product: Debt collection

Convergent Outsourcing ran my credit report without my permission. I have never heard of Convergent Outsourcing before nor have I ever done business with them. They are flagrantly violating the Fair Debt Collections Practices Act with their illegal and deceptive debt collection tactics. I do n't want any communication written, telephone, or any other method from Convergent Outsourcing.
Product: Credit reporting or other personal consumer reports

I requested a verification and validation of this account and the debt. I have sent XXXX different notarized notices to the company stating that I dispute this debt and requesting that they either verify this debt OR either remove it from my credit report or report it as paid in full. It has been well over XXXX  days now, and I have received no response at all. I sent the first notice on XX/XX/2025, then again on XX/XX/2025. Each notice was sent via XXXX XXXX Mail and was verified as delivered via the XXXX tracking system. 

I am attaching a copy of each of these notices, which includes the tracking numbers to verify that they did in fact receive these notices. 

I certify that I have received NO response from the company verifying this alleged debt, and that the negative information still remains on my credit report.
Product: Debt collection

The original amount has been changed. I do not believe the amount being asked to pay is in accordance with the original agreement. I want to see the original agreement from this company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain information in my credit file that I believe is inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

I request that the item be removed [ or request another specific change ] to correct the information, as mandated by the FCRA, which requires credit reporting agencies to delete or modify information that is inaccurate, incomplete, or can not be verified.

Please reinvestigate these matters and correct the disputed items as soon as possible.

In compliance with the FCRA, please send me a corrected copy of my credit report upon completion of your investigation, and advise the creditors who received my credit report within the last six months to send me a corrected copy of their transactions with my account.

Thank you for your prompt attention to this matter. I expect your response within the statutory timeframe of 30 days. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX : {$96.00}
Product: Credit reporting or other personal consumer reports

Sallie Mae Bank did a Hard Inquiry with XXXX without my approval or knowledge. I did not reach out to them because I saw a myriad of negative posts regarding their existence. They appear to be illegitimate and unsavory. Ive since placed a Credit Freeze and Fraud Alert with all three ( 3 ) credit bureaus.
Product: Credit reporting or other personal consumer reports

I can no longer check my credit report with Equifax online, I receive the following error : " Please give us a call and give this code to the Agent : XXXX '', due to this issue lenders and companies are also unable to pull my credit report. I am in need to get this resolved as soon as possible. I have sent the letter with a copy of my social security card and drivers license to Equifax as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have been trying to resolve an issue with TransUnion over their tenant screening report with me. I have been denied housing due to inaccurate information that should not be on the report. I have been denied housing and discriminated against. 


My name is XXXX XXXX XXXX XXXX XXXX XX/XX/1990 XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Me and my boyfriend moved into XXXX XXXX XXXX on good standings.We paid our rent every month and never gave our neighbors any problems. My boyfriend is in a XXXX and we explained that to them. Everything was ok in the beginning until things started going bad with my neighbors upstairs apartment. The people upstairs had a bad leak that took them days until they decided to come fix it, they did n't treat the problem properly just covered it with paint and the problem kept coming back. We asked time and time again we put in work order after work order for them to fix the problem but they just brushed it off. Well due to their brushing the problem off, the walls accumulated mold which caused my boyfriend to catch a XXXX XXXX that put him in the hospital for many months at XXXX XXXX. We were not the only people that had mold and the apartments knew that. We stayed in our lease and told the leasing office about our situation and they still did not want to fix the problem or work with us. We did n't leave because we just wanted to, we left because it was a XXXX emergency We had proper documents from the Hospital and Doctor appointments. Not only that allot of crime was going on inside of the apartment complex and the leasing office felt like it was ok not to inform the residents on what was going on, my neighbors right next door and upstairs apartment got broken into and a lady three doors down got XXXX  and when I asked the leasing office what they were doing about it as far as safety, they told me it was none of my business and they did n't feel like it was a concern. Not knowing that I knew already that the man who did it stayed there and still had a gate card and a key due to another neighbor telling me what was going on. They had people running through the bushes running from the cops and one of the guys ran into my apartment as I was going in with my niece, when I told the leasing office about it all the lady said was " Awww I 'm sorry to hear that '' .The gate was never working and security was just letting  anybody in. I 'm a female and my husband is in a XXXX it just was n't safe for us. Even though we was right down the street from the jail the police still take their time to get there.