23daVinci/CFPB_Complaints huggingface dataset:
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 ITEMS ( A ). It is not permissible to fail to validate these reporting ITEMS as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$2500.00}
Product: Credit reporting

Equifax is currently reporting voluntarily dismissed chapter XXXX bankruptcies # XXXX, XXXX and XXXX in my credit file. Equifax responded to my complaint filed and stated that " The FCRA allows bankruptcy information may appear on a consumer 's personal credit report ''. And " The bankruptcy dismissed/withdrawn status will remain on your report for 10 years from the filing date. " The is a vague, fabricated statement which is not accurate and complete. There is not any clear language in the statue that states an voluntarily dismissed chapter XXXX bankruptcy should be included in an consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX and XXXX XXXX a notice invoking my right as a federally protected consumer to opt out per 15 USC 6802 which states ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Furthermore, XXXX and XXXX XXXX are in violation of per Privacy Act of 1974 by sharing my non-public information such as my financial history.
Product: Checking or savings account

On XX/XX/XXXX of 2024 I had a potential client who wanted to book a brow service in the amount of {$110.00} for XX/XX/XXXX. She wanted to book for 5 people. She expressed to me that she wanted to send the full payment upfront to secure the date but she doesnt use payment apps due to issues in the past and that her bank restricted her from using these apps until further notice. She told me that she will send a check to my email for me to deposit into my mobile Chase app. I told her that I havent had anyone do that and dont want there to be issues. She assured there wouldnt be. She asked for me name and email who I banked with. I gave her my info and proceeded with sending me the {$400.00}. Once I deposited that she told me she would send the rest immediately. She asked me to send her the confirmation once deposited. So I told her that she could just bring the check in at the time of her appointment but she told me she would love to make the payment now for some reason. The next day XX/XX/XXXX I deposited the check at XXXX. Through the app and I snapped a pic of the confirmation and sent it to the client. She then goes on to tell me she would send me another check for the remaining balance and I wasnt able to deposit because the check wouldnt fit the rectangle. So on XX/XX/XXXX I saw that the funds were available to me and that the check cleared. The client text me saying her nieces groom was involved in an auto accident that morning and that his condition was critical and he was in XXXX. So she needed to cancel her appointment. She asked for the money back and me to send the money to her sibling. So expressed that was fine and I proceeded to sending the {$400.00} back with sending a {$1.00} first and then the rest {$390.00}. Once received she said thank you and happy holidays. I then received a check from my bank on XX/XX/XXXX stating that they returned the check due to not being able to locate the account number and that they withdrew {$400.00} from account. The client scammed me with a fake check that I was completely unaware about. So I called my bank and explained to them that I had no idea I received a fake check because they approved it and the check cleared and the funds were available to me. I thought they wouldve picked up on a fraudulent check right away and Im frustrated because they didnt help me and begged for a refund. I really hope you can help get my money please. I have a child and this impacts me. Thank you.
Product: Debt collection

On XX/XX/2018 XXXX and XXXX XXXX sold our home ( XXXX XXXX XXXX XXXX, Washington DC ) to XXXX XXXX and XXXX XXXX. At settlement, The Stewart Title Company explained to us not to discontinue any bills and that they would be responsible for paying the water bill to keep the services on. They told us this after we paid the pro-rated water bill {$220.00}. The {$220.00} was drafted out of our account, after XXXX XXXX after I vacated the premises. 
1. Stewart Title company paid XXXX. and XXXX and I paid {$220.00}, which made a credit amount of {$440.00} cr. on the account which is still in our name. I talked to XXXX XXXX ( XXXX ), the escrow specialist and she is supposed to send an OCR to XXXX XXXX XXXX XXXX to discontinue and remove our name off the water records. I talked to a Mr. XXXX from XXXX XXXX ( XXXX ) and he said they had not turned anything in.
Product: Debt collection

XXXX XXXX  and Portfolio credit agencies are collecting credit card debt for the same consumers. This debt collector represents an inactive debt and is duplicate reporting. Also, I have not received notice of debt ither.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, at XXXX I called in to Equifax to again inform them that they needed to remove the items that I've previously disputed with them & have submitted documented proof that they are continuing to report unverified & un-validated information in direct violation of 15 USC 1681. The representative that I spoke with, XXXX, stated to me that he can not make any changes to my file despite Equifax violating 15 USC 1681 due to Equifax having my consumer report " red-flagged '' with a note that states no one outside of their " office of consumer affairs ''. 

I informed XXXX that the fact that he admitted that Equifax has my file intentionally blocked from removing information that they know to be inaccurate is not only a continued violation of 15 USC 1681, but Equifax is also now committing discrimination against me which is a violation of the The Equal Credit Opportunity Act, 15 USC 1691. He stated that he understood that, however he still refused to perform his job of removing the inaccurate accounts. I am filing this complaint to submit a copy of the audio recording as proof of Equifax continuing to violate my consumer rights as allowed under federal law. I have also attached a copy of my previous CFPB complaint against Equifax which included my previous documentation of their violations.
Product: Credit reporting or other personal consumer reports

I first became a customer of Colonly Brand in XXXX while living in XXXX XXXX, New York with Ashro, Ginny 's, and a {$5.00} catalog that is no longer active. Before XXXX XXXX, in XXXX or XXXX, I attempted to make orders using my Colony Brand catalog cards. At the time, I had a XXXX credit score, and had been in good standing since XXXX, however, I did fall behind near the end of XXXX, and the first two months of XXXX. I called Colony and explained what happened. They said it was okay, and they gave me time to catch up, which I did. Through XXXX, I made double payments and on-time payments every month, year after year. In XXXX or XXXX of XXXX, I made orders that were declined. When I asked why, I was told that they were using a new company to analyze and determine who is approved for credit. I was told that they were not going to give me credit, and when I asked why, they told me because they didn't want me as a customer anymore. I then requested that they send something in writing to explain why. They then chose to extend my credit. Some time later they did a hard inquiry on all of my then active accounts, which made my credt take a huge dive. When I inquired about why they did such thing, they claimed that they had the right to, but the law says otherwise. They also started sending me fewer catalogs. When I called they were rude. I later froze my credit. In XXXX, I payed my bills on time, and every month. They decided to keep my card on file without my consent, which is against the law in my state, even after I contacted them about it. 
I recently recieved a copy of my credit report through XXXX, and found out that Colony Brands gave false information. For instance, in XX/XX/XXXX, I had paid the full balance of Montgomery Ward on XX/XX/XXXX, but Colony reported that payment as late in XX/XX/XXXX. My balance was {$0.00} on that date. 
Here is other information from the report : Colony has stated that I paid Swiss Colony {$29.00} on XX/XX/XXXX. That account was closed and paid in full on XX/XX/XXXX. 
Swiss Colony was paid in full on XX/XX/XXXX, however, Colony reported that I made a payment XX/XX/XXXX, XX/XX/XXXX, and a missed payment on XX/XX/XXXX, and made a payment of {$29.00} on XX/XX/XXXX. 
I also had an Ashro account with Colony, which I closed. My Ashro payment history was not included in the report. My final known payment to Ashro was XX/XX/XXXX for {$45.00}. I am also pretty sure I closed Ashro with that payment. 

I would like to be compensated for the damage they did to my credit, and for being non-compliant with state laws.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this request to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX : {$5000.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX  The number of days late for this late payment is wrong. 
Please verify and provide proof of my payment history for this account or remove this late payment from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


This late payment was recently updated on equifax and XXXX and XXXX are the only two still reporting as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon turning XXXX I checked my credit for the first time as I was denied for a starter card. When checking I saw that I had a closed account with Capital One that was effecting my XXXXredit score terribly to the point where I can not even get a secured card. I've tried to reach out to credit bureaus to no avail. I did not make the account, my personal information was used and I was a XXXX  when the account was made and its been months of fighting just trying to get this off of my credit. I'm just looking for sometime of help at this point. 

Thank You
Product: Debt collection

I keep receiving calls late at night or early on the morning almost XXXX times a week and they keep harassing me for an amount of {$830.00}.
Product: Debt collection

I received a debt collection Letter from Credit Collection Services stating I owe them {$110.00} XXXX formally dispute that amount because is not a valid debt. 
I'm attaching my formal dispute Letter in this inquire along with the letter I received from them.
Product: Debt collection

In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from RMP Service LLC on behalf XXXX XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to RMP Service LLC since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts.

After not hearing any response from RMP, I have disputed these accounts with XXXX and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. XXXX has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.
Product: Mortgage

XXXX  as a nominee for XXXX XXXX, XXXX. in the amount of {$62000.00} Dated Date : XX/XX/XXXX Recorded Date : XX/XX/XXXX Loan NO : MIN:XXXX Instrument Number:XXXX Open Ended : YES Mortgagor : XXXX XXXX XXXX and XXXX XXXX , husband and wife . 
Assigned To : XXXX  XXXX  XXXX XXXX  XXXX  XXXX fka XXXX  XXXX  XXXX XXXX  XXXX  as successor Trustee to JPMorgan Chase Bank, N. 
A., as Trustee on behalf of The Certificateholders of The XXXX XXXX, XXXX Revolving Home Equity Loan Trust, Series XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX .... Balance : - ; XXXX XXXX XXXX .... 
Balance : - ; XXXX XXXX XXXX Balance : {$6700.00} ; XXXX XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX XXXX .... Balance : {$950.00} ; XXXX XXXX XXXX .... Balance : {$11000.00} ; XXXX XXXX XXXXXXXX XXXX .... Balance : {$1600.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. Balance : {$530.00} ; XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX .... 
Balance : {$3200.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

A personal loan account appeared on my credit that was obtained fraudulently by my then fiance. This loan should have never been issued and was NOT authorized by myself. Rise should require more identification to issue loans. Second of all, they have never reported correctly in regards to balance, status, and payment information. They are reporting a 30 day late in 2017. Please remove this entire fraudulent account off of my credit report.
Product: Credit reporting or other personal consumer reports

Request to XXXX XXXX XXXX to Violation of 15 U.S.C. 1692c I hope this message finds you well. My name is XXXX XXXX, and I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c. 
I recently sent a letter to the collection XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 

Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Formal Complaint Regarding Violation of 15 U.S. Code 6802 and Unprofessional Conduct Dear Sir/Madam, I am writing to formally lodge a complaint against one of your credit supervisors who handled my call on XX/XX/23 at approximately XXXX XXXX  PST. During the call, I encountered an unacceptable level of rudeness, refusal to let me speak, and ultimately, being abruptly hung up on after a prolonged 30-minute wait. This conduct not only violated my rights as a consumer but also failed to adhere to the standards of professionalism and customer service that should be upheld by Equifax.

I believe this incident constitutes a violation of 15 U.S. Code 6802, which outlines the obligations with respect to disclosures of personal information. This provision emphasizes the need for credit reporting agencies, such as Equifax, to handle consumers ' personal information with the utmost care, transparency, and respect. However, the behavior exhibited by your credit supervisor during our call was in direct contradiction to these obligations.

I expect Equifax, as a responsible and reputable credit reporting agency, to investigate this matter thoroughly and take appropriate disciplinary action against the supervisor involved. Additionally, I request that you provide a written apology for the unprofessional conduct and inconvenience caused during this incident.

Furthermore, if this matter is not satisfactorily resolved by deleting all the charged-off accounts, I may be left with no choice but to pursue legal action to protect my rights and seek appropriate remedies. Please be advised that under applicable laws, consumers have the right to seek legal remedies and pursue damages for violations of their rights. I sincerely hope it does not come to this, as I believe that a prompt and fair resolution can still be achieved through your internal processes.

I kindly request that you acknowledge the receipt of this complaint within five days from the date of this letter. I also expect to be kept informed of the progress of your investigation and the actions taken to rectify the situation.

I appreciate your immediate attention to this matter and your commitment to ensuring the protection of consumer rights. I trust that Equifax will take this complaint seriously and initiate appropriate measures to prevent such incidents from recurring in the future. 

Thank you for your prompt action in this regard.
Product: Payday loan, title loan, or personal loan

We added solar batteries to our home, the solar company used a lending company, we have a completed and signed loan agreement with that loan company. 
One month later, we received an email saying we needed to re-apply, because the fees weren't correct on the loan, even though the loan included finance charges on top of the APR. The email from the solar company stated extra fees were required. 

We feel this isn't a fair lending practice by mosaic loans. 


Thank you for your attention to this matter.