23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

The below attached are screenshots of various credit reports pulled over the past 5 months from Equifax. Since I 'm a paying member to their monthly services, I would routinely pull & monitor certain aspects of my file. In XXXX 2015, I was pleased to see that a bad mortgage debt and other derogatory information had finally " fell off '' my credit file. It has been almost 10 years since my divorce, and almost 8 years since my identity theft had occurred, and I have been dealing with & struggling to gain back control of my credit and have encountered almost daily obstacles to correcting inaccurate information. 
It appears my latest attempts to have you help get my score repaired to its once higher state have met with some success, however, I 'm still dealing with the mortgage information being entered, deleted and re-entered back onto my account. 
Attached with this notification, is a letter from XXXX XXXX stating that they have no records of my account # XXXX and have asked all XXXX credit agencies to remove these items from my report. So far, XXXX have successfully deleted this item, but for some reason, Equifax will delete them, then re-insert them and update the information as if it 's corrected and true. 
I request that all of my mortgage accounts be removed from my credit files, as they are approaching 7 years since last report date, and have been almost 9 years since last activity. In addition, XXXX XXXX XXXX XXXX only has XXXX records with my SSN associated, XXXX being a Credit Card and the other being a Savings Account with a small balance. They have no record of my past mortgages and can not find them in any system. I 've literally spent months speaking with them and have received a fax from them stating they have no information relating to this account that keeps " popping '' back up on my credit file. 
( Attachments ) - Monthly Screenshots of my Credit File " Mortgage '' Summary ( Attachment XXXX ) - XXXX Fax - to delete erroneous accounts
Product: Mortgage

My XX/XX/XXXX BSI Financial Services home equity line of credit statement shows my bank account was automatically deducted an additional charge of {$71.00} on XX/XX/XXXX. This charge is listed under " late charges & fees '' under transaction activity but the additional charge is actually due to an INTEREST calculation error BSI made in XX/XX/XXXX. I was informed the prime interest rate had increased in XX/XX/XXXX but BSI neglected to reflect this increase on my home equity adjustable rate line of credit. <P/>As a licensed loan company, BSI is aware of income tax implications when referencing late fees and interest payments. They are also aware of customer credit ratings when recording customer payments. <P/>I did not make an error on paying my XX/XX/XXXX statement. This oversight is due to BSI Financials mistakes.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX this personal statement is being generated by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681S-2 states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have resumed having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumer 's right to privacy along with accuracy. I demand the removal of these accounts.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX should not be reported to my credit report. I have an agreed to pay them. They have received the money but they did not update this credit account the account number is XXXX I have been reported late for XXXX months this far and this should be removed off my credit reports. This is incorrect reporting and it's violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a result of the Experian blatant ignorance and allowing my personal information to get hacked, I had to lock mine and my wife 's credit reports on all 3 major reporting for the first time ever. I do n't understand why, even though they caused this, Experian is the only company of the 3 that charged me to do it. This is rediculious! The worst part is the obscene amount of money they stand to make from peoples panicking and trying to protect their identity. They need to be punitively dealt with.
Product: Debt collection

Equifax continues to report fraudulent information. The chargeoffs are not mine and belong to someone else. I never gave Equifax consent to report XXXX XXXX XXXX, and XXXX XXXX on my credit report. According to USC 1681 ( b ) a consumer reporting agency can only furnish something in accordance with the written instruction of the consumer to whom it relates. Block and remove these reports as I have right to privacy as a consumer.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX in XX/XX/XXXX a month later the motor blew out. And found out that XXXX XXXX was shut down for embezzlement and fraud. The vehicle was financed through Lendmark financial agency. I tried to contact the corporate office, and I feel as though I shouldn't be held responsible for the car, and I think that XXXX XXXX  knew that they sold me a lemon. I'm a struggling man on XXXX, and I'm not getting any service out of the vehicle, and I repeatedly told Lendmark financial agency to come and get the vehicle. I have told Lendmark financial agency when the vehicle broke down, to come and get the vehicle, and they refused to get the vehicle, because they knew the vehicle was inoperable, and now they are telling me that the lien, and now they are telling me that they do not know who has the lien on the vehicle, and it was released from Lendmark financial agency in XXXX. And now I don't know what's going on, what do I do?
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you examine the documents? Some accounts listed have inaccuracies in the reporting, including the amounts and dates.
Product: Debt collection

As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my XXXX and XXXX reports  in mid-XX/XX/XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$340.00}. It is reporting under the company Convergent Outsourcing. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from both of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company responded back on XX/XX/2022 that the item wasnt reporting on credit report but still shows and is still violating my consumer rights according to 15 U.S.C 1681. 
XXXX XXXX XXXX # XXXX 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report of more than seven years. ! 5 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: Debt collection

XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CAPITAL ONE BANK USA N XXXX ... XXXX  XXXX ... XXXX XXXX XXXXhat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX XXXX {$400.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Product: Credit reporting or other personal consumer reports

I NEVER gave any consumer reporting agency the permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! 


Ive submitted proof of Identification card, Social Security card proof of address and FTC These Fraudulent ACCOUNTS Should not be furnished on my consumer report as they are in VIOLATION!!! OF MY CONSUMER RIGHTS. BY 15 U.S Code 1681b, U.S CODE1666 ( B ) 15 U.S. Code $ 1681c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

1. There is a hard inquiry on my credit from a company named " XXXX ' on XX/XX/XXXX, 2. There is a hard inquiry on my credit from a company named " Factual Data ' on XX/XX/2019 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX and XXXX XXXXXXXX on XX/XX/XXXX. I have tried multiple times to contact these creditors and Transunion regarding these fraudulent inquiries that have been made using my personal information. I would like for these fraudulent inquiries to be removed from my credit report immediately.
Product: Credit card

I closed my Capital One credit card on XX/XX/year>. I had a {$0.00} ( ZERO ) balance due. Upon which time I deleted the app and account information on my end. 
I received my 'final statement ' by mail for XX/XX/year> showing a - {$10.00} credit balance. I assumed eventually they would mail me a check for the balance owed. 
Then I received a letter, by mail, stating upon review of my account, I owed {$1100.00}. I called to inquired what this was for and asked for details to be sent to me which I never received. 
However, after looking on my end, I saw it was a duplicate credit and I owed a balance. 
I immediately sent payment on XX/XX/year> ( ACH ). 
- {$10.00} ( credit ) + {$1100.00} ( duplicate credit ) + {$19.00} ( interest ) = {$1100.00} I assumed case closed, account closed .... DONE. 
Instead they continue to charge my CLOSED account with interest and late fees. I had NO IDEA this was happening because the account was closed and I deleted the app. NO NOTIFICATION ever received by mail or email from Capital One either. 
I have called XXXX trying to get it resolved. I only get a call center somewhere in the world that tells me they have no power to do anything. No other recourse. 
I mailed a letter to them XX/XX/year> disputing all of this. I will never pay this amount as it is not owed. I think this is a deplorable practice and should not be allowed.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXXXXXX XXXX. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORT ACT XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SETION 602 A. STATES I HAVE THE RIGTH TO PRIVACY 15 U.S.C. 1681 SECTION 2 : IT ALSO STATE A1 CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUN WITHOUT MY WRITTEN INTRUCTIONS
Product: Debt collection

After closely review the documents I requested I find that this debt does not belong to me someone else use my name or person with same name also I notice that the account number XXXX is different from what they are reporting on my credit report which is XXXX thats false reporting also the date of service show XX/XX/18 on that debt was open on my credit report on the XX/XX/18 thats just one month Before it was report to my credit thats information dont match and this is false information reporting I attach the false document thats was presented to me on whats on my credit report
Product: Mortgage

XX/XX/XXXX, closed on our new home with Equity Prime Mortgage ( EPM ) via XXXX  XXXX  in XXXX, Florida ( home address- XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX ). 

All was well, budget payment ( auto pay-2 half payments a month ) until our mortgage got sold to XXXX XXXX XXXX XXXX XXXX ) a few months later/end of XXXX. 

Since our escrow account at XXXX has been at a negative status. XXXX said it was related to insufficient escrow amount, when we paid more than the full amount of taxtes to be due at closing, and during scheduled payments afterwards and to current date. Upon escalating at XXXX ( XXXX ) to no resolve, we reached out to EPM ( XXXX ). 

EPM after weeks and many follow up calls by us said someone paid our property taxes twice with the county. EPM then said they reached out to our XXXX XXXX FL property tax department obtained a check ( # XXXX for {$4800.00} ) that was mailed out to XXXX via USPS tracking USPS XXXX XXXX XXXX XXXX XXXX. 

However, our concerns are still not resolved now months later. Turns out XXXX does not have the " overage check ''. Per our call to USPS ( XXXX ) per tracking # XXXX XXXX XXXX XXXX XXXX the package was sent from EPM ( XXXX, CT XXXX ) to wrong city and wrong zip for XXXX, the XXXX XXXX XXXX was correct though. 

Sent to XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX, instead of to XXXX XXXX XXXX XXXX, XXXX NJ XXXX. 

One of the EPM escalation contacts is at XXXX at XXXX, ext. XXXX has still to no resolve. 

XXXX contact XXXX, spoken to XXXX, XXXX ( id CRD ) said there are no direct supervisor, that we could submit a written request, she would look into it and call us back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2016 XXXX XXXX XXXX XXXX recieved a lump sum check and additional payments to pay my account in full from a total loss accident on the finances XXXX XXXX. 

After all amounts due were paid, COAF, without sending proof, sent a demand for another {$130.00}. I called and requested proof of the debt, an amortization schedule, record of how the payments were posted to prove indeed I owed the remaining amount. They did not then nor have they since ever provided this proof. 
They then charged off the XXXX dollars and have since sent the about to collections, and I asked the subsequent collection agencies for proof of the debt, the payment record, anything showing how they came to this final amount despite the previously provided balance payoff/payment amounts. 
Furthermore by continuing to send this to collections agencies, they are now violating the State of FL statute of limitations on written promissory notes of 4 years, and are still reporting this unproven debt as " Passed Due '' If they can't even be bothered to furnish the proof of debt, how can they continue to negatively report on my credit. It should be corrected retroactively to XXXX of 2016 to paid as agreed and paid in full, NOT delinquent and charged off. 

I have disputed this by phone, mail, with the three agencies, with XXXX, as well as the collection agencies they kept shifting it to no less than 15 times. No one has ever just provided the proof by mail. 
I'm fed up that they have no responsibility to prove the debt and proper payment posting, but are ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my rights and has caused me distress. I have been disputing inaccurate information with this company for several months. They have responded stating they would verify the information and never conducts the proper investigation. A proper investigation is performed when they interviews parties and they have failed to do that. Per their website in the Data Sharing Policy " they are required to keep a record of the consent and to provide a copy of it upon request ''. I have requested a copy of each consent and have not been provided with this information. Equifax assumed this role without my permission and without my CONSENT! Equifax has violated my privacy under 15USC1681 ( 4 ). They are not treating me fairly, they are being partial, and they failed to holdup their responsibilities. As a result of this inaccurate information I have been denied employment and stable housing. This company has also compromised my personal data in several of their data breach. As of result of this, my personal information has been placed on various websites and have been used by others.

I am request full removal of the following in accurate accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT REQUESTING A DISPUTE BUT A REMOVAL This information was placed inaccurately on my credit report, without my consent, and Equifax has violated consumer laws. 

I have spoke with several managers and they have advised that Equifax put all information given to them with verifying that the information is correct. 

I have also filed a report with the FTC
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. 

XXXX XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX  : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, XXXX  XXXX : # XXXX, XXXX  : # XXXX, 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 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