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

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 1682i, 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. The accounts I have marked inaccurate : Equifax, account XXXX XXXX XXXX XXXX XXXX XXXX, {$2000.00}, XX/XX/. The company failed to ensure the accuracy of my credit report despite my previous disputes, resulting in financial harm. Under 15 U.S. Code 1681o, a party that negligently fails to comply with the FCRA is liable for actual damages sustained by the consumer, as well as attorneys fees and costs.
Product: Debt collection

I switched from XXXX to XXXX about XXXX years ago. Everything was up to date back then. Since then, I have never once received a call, letter, text, email, etc from them stating that there was a bill owed. Recently ( 4 years later ) I've noticed a ding on my credit report. It's from a debt collector called Credence. I called them and they explained that it was XXXX and told me that if I paid half right then over the phone then they would write it off. That seemed sketchy to me so I decided to do my own research. I then call XXXX and they said they have no record or knowledge of that debt. I don't know what to do because if I truly owed the money then I'd happily pay it. I also don't want it on my report and I don't want to fall for a scam if that's what it is. I called XXXX and they pointed me here. 

I also find it odd that the Credence collections account was created just a few months ago, years after I switched from XXXX. Why would it take XXXX years to send that bill to collections?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a dispute with Experian and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with Experian, XXXX, XXXX  to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below :
Product: Debt collection

I paid Convergent Outsoucing payment on XXXX/XXXX/16 as payment in full for XXXX bank for a credit card that I did not have but is on my credit report. i disputed this but they wont remove it so i paid convergent who said they would email me a letter the next day saying account was paid in full but they did not. am attaching a copy of credit report and proof of my payment to convergent to pay off this account. I had a premiere bank account over 7 years ago that was a prepaid credit card and I was using my own money. When I closed the account they never refunded my deposit that was supposed to be held in a savings account. I called Convergent and XXXX and am getting no satisfaction. This is a scam!
Product: Mortgage

We are formally writing complaint, and an appeal of the denial for a modification. The main complaint we have to the modification denial is the clear dysfunction of the CHASE modification review system. We have it documented that on XXXX XXXX 2015 CHASE declined us for a modification based on the GROSS income of {$6200.00}. Again, this is documented. In late XXXX and early XXXX we discussed this grave error made by CHASE. We were told by CHASE that if our income is actually higher then we should re apply for a modification and start the whole process over. We thought this was unfair because it takes 4-6 months to get through CHASES ' dysfunctional system and this was there mistake. But we are over our hardship, can afford our mortgage and want to keep our home. My husband, XXXX XXXX is XXXX years old and moving is something that could be to much for him. On XXXX XXXX we submitted for another modification review with the CORRECT income. We had our friend XXXX XXXX help us with under writing to make sure we made no mistakes and received the correct review. On XXXX XXXX 2015 we were notified we were declined based the income had not changed? We submitted income of {$10000.00}. This is a huge error. CHASE is basically lying saying now in XXXX the income was NOT {$6200.00} when we have it documented that what was used. Our attorney has advised us that we have a law suit based on these documented errors, and elderly abuse. WE WANT AVOID THAT. We are not trying to lower our mortgage payment or our interest rate. We are not applying for HAMP. We have had medial hardships and a loss of a son over the past year. We are elders who are over our hardships and simply want a modification to get back to current. Please review us for an in house modification to get back to current so we can make mortgage payments to CHASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX. 

Personal information Employers XXXX XXXX XXXX  ( Not valid ) XXXX  XXXX # XXXX $ CREDIT LIMIT $ XXXX PAST DUE 30 DAYS, REMOVE DOUBLE ACCOUNT ( # XXXX ) REMOVE ACCOUNT PREVIOUSLY DISPUTED COMMENTS AND CLOSE DISPUTE XXXX XXXXXXXX XXXX  Account number XXXX Last Payment date XX/XX/XXXX Delete continues double print XXXX XXXXXXXX XXXX Account number XXXX Last Payment date XX/XX/XXXX XXXX XXXX XXXX Account number XXXX balance {$32.00}, XXXX XXXX  XXXX  XXXX  Account number XXXX balance {$260.00} closed 1 month term ( Double print ) ( please remove ) XXXX  XXXX  XXXX Account number XXXX balance {$260.00} closed 1 month term PLEASE REMOVE INQUIRIES UNAUTHORIZED INQUIRIES Unauthorized & shopped around auto inquiry - XXXX  XXXX  Inquired on XX/XX/XXXX Business Type : XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX, MI XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information on my report, information belongs to someone else. 

XXXX XXXX Closed : XX/XX/XXXX {$3900.00}, XXXX XXXX  opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, NV XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

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

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

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

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

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

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

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a visit from a XXXX authorized dealer ( XXXX XXXX XXXX ) to my house on XX/XX/2019 letting me know about promotions XXXX is running. After our conversation he told me he needed to check if I had any outstanding balance due with the company. I gave him my SSN number and specifically asked him not to run my credit and he assured me that he will only check if I had a prior balance with XXXX. After he left I found out that I had a hard check on my credit report. I immediately contacted Trans Union credit bureau and was told I would need a letter of deletion to remove this unauthorized credit pull from XXXX. I contacted XXXX and explained the whole situation to them and was told they can't issue me a letter of deletion. I'm in the process of buying a new car so this unauthorized credit check has severe financial implications for me. I'm not getting any help from XXXX in this regard and Trans Union is not willing to remove it without the letter of deletion. I would really appreciate your help to remove this fraudulent credit inquiry on my credit report. 

Thank You
Product: Credit reporting

This account was satisfied with the creditor XXXX XXXX XXXX ) the collection agency was XXXX XXXX XXXX, it was deleted back in XXXX of the current year. I am in the process of buying a house and I come to find out that the account shows up on my Experian report not only did my score go down, my interest rate being offered is higher and I can not buy my house until I get this issue resolved. I need this account deleted ASAP. I am submitting proof of deletion from other bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the company 3 times ( 2 times by email (  XX/XX/XXXX  & XX/XX/XXXX  ), they responded that they ca n't discuss via email ) So I sent an actual letter by mail on  XX/XX/XXXX  regarding a derogatory/collections item that I discovered on my credit report.
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This refers to my Rise account #  XXXX , loan date  XX/XX/XXXX  23 month term, that I believed, and also had received email confirmation that this was paid off on  XX/XX/XXXX .
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My credit report shows a past due balance of {$110.00}. I included a check for this amount to pay off my balance in full when I sent this letter as I did not know this was still outstanding. Then I asked them to remove this derogatory item for Rise off of my credit bureau report. Especially since this is the only derogatory item I have ever had on my report.
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This loan was paid off as of  XX/XX/XXXX which was within 3 months of taking the loan out. The loan term was 23 months, so Im not sure how this small {$110.00} balance could even be considered late, even if I do owe it, and could then be reported to collections, even if this was a misunderstanding, because the loan is not technically past due until the end of the loan term, which wouldnt be until  XXXX  or  XX/XX/XXXX . I received no correspondence from them that anything was late, past due, or still owed. In fact, I receive emails from them all the time about getting another loan because of my outstanding payment history.
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After all of this, they have cashed my check for the {$110.00}, but still have not removed the derogatory item from my credit report that was put there in error.
Product: Checking or savings account

Wells Fargo exposed myself to fraud and are refusing to answer my questions. Instead they sent me this stupid letter denying any responsibility, even though they are the ones who opened the account unauthorized. They claim I should have the welcome package that never came to my address. They are holding me responsible for the account even though I am not the one who opened it. I want to know what address the welcome package was sent to.
Product: Debt collection

On XX/XX/XXXX, I was a victim of identity theft. The thief made multiple charges on my behalf using my bank information from my bank app and created a XXXX account. They ordered XXXX rides totaling to about {$55.00}. My bank has resolved a couple of the charges. 

However, on XX/XX/XXXX, TRS Recovery Service collection agency tried to collect for the remaining amount of about {$26.00}. I responded by filing a forgery or identity theft through their online website with the police report attached. 

They sent a second follow up letter on XX/XX/XXXX stating " no attempt to collect '', but requested for personal identifying and bank information, which I am not comfortable sharing. They provided a fraud and identify theft reference number.
Product: Mortgage

We have continued issues with CARRINGTON MORTGAGE SERVICES , LLC They hold funds, charge a late fee then take months to fix the issue they created. This is the second formal complaint we are filing, the previous complaint number is XXXX At the time of writing this complaint, my payments are 2 months ahead of what is due. Typically I pay my mortgage a week early using auto-pay as shown in the attached payment history. I have done this in an attempt to avoid further dealings with CARRINGTON MORTGAGE SERVICES , LLC The issue... 
I was called after a late charge was assessed and told that I was behind in my payments. I immediately paid what they asked for then asked them to fix the issue and reverse the late charge. I was actually paid ahead and because they were not able to apply the funds accurately they left them in unapplied funds or automatically applied them as extra principal payments. 

I called on multiple occasions and ask them to fix the application of funds. Each time I asked them to explain the terms used in the payment history and how to avoid the issue in the future. Each time they were unable to define the terms and asked that I call back in a few days to check if the issue was corrected. 

Issues with CARRINGTON MORTGAGE SERVICES , LLC - they are a collections company not a mortgage payment processing company and treat customers poorly as if they are expecting the customer to dodge them and not pay. 
- they are not able to accurately and efficiently apply payments to the account, nor are they able to explain their own payment history decisions or terms - their policies force you to call them many times to fix an issue they created- I have spent many many hours dealing with CARRINGTON MORTGAGE SERVICES , LLC even though I am on autopay and pay in advance. 
- I consider this company as a scam and am sad they have my mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX Date opened : XX/XX/XXXX Balance : {$7900.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX opened : XX/XX/XXXX Balance : {$5700.00}, DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$5600.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened XXXX XX/XX/XXXX Balance : {$3600.00}, DEPT OF EDUCATION/XXXX XXXX Date opened : XX/XX/XXXX Balance : {$2000.00}, DEPT OF EDUCATION/XXXX  XXXX Date opened : XX/XX/XXXX XXXX XXXX {$1400.00}, and DEPT OF EDUCATION/XXXX  XXXX Date opened : XX/XX/XXXX Balance XXXX {$1100.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX XXXXXXXX XXXX Under 15 U.S.C Sec . 1681 I ( a ) you can not provide proof ( Proof being a signed agreement of the two parties to the debt ) then these accounts need to be deleted. That everything in that report must be 100 % correct or it should be deleted. please investigate the following account and remove them if proof is not obtained at a 100 % assurance of factual information.

15 U.S.C 1681 ( 3 ) E states ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer or from the consumer.

They also violated my rights numerous times.

According to U.S.C 1681 section 602 A states as I have the right to privacy this has been violated many times by this agency by this account I request they delete and remove it.

According to 15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Please send proof of my written instructions or delete the account from the report.

According to 15 U.S.C 1681 s-2 ( a ) ( 1 ) 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. See the Also know as different names different accounts Cause for concern this account is not accurate and should be deleted and removed.
Product: Credit reporting or other personal consumer reports

this is my third dispute I disputed inaccurate information with XXXX, XXXX and transunion in regard to this account lending club account number : XXXX XXXX XXXX the information was verified and accurate. After checking my credit report the information is still obviously inaccurate! On my XXXX report the account displays an open date of XX/XX/XXXX but this account was actually opened on a different date according to the other XXXX credit bureaus. Transunion shows XX/XX/XXXX, it should be falling off my credit report XX/XX/XXXX. The report shows the payment history begins XX/XX/XXXX which is another inaccuracy! An account can't be charged off, reported as a collection and then charged off again. These are clear inaccuracies that XXXX,, XXXX and transunion allowed to remain on my credit report. The account is not 100 % accurate so it is deemed INACCURATE and should be deleted immediately. I've attached a copy of the report from the XXXX credit report website. I've attached the results of the requested investigation and I've attached the response showing that XXXX told me the account remains with all the inaccuracies. Please delete this account effective immediately. This is my right per the Fair Credit Reporting Act to request this ( FCRA ). ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I'm asking that you delete this obvious inaccurate account off my credit report and send me an updated copy of this report. Balance : $??? 


Account XXXX : XXXX XXXX  Account # XXXX delete account immediately
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX "