23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Equifax, XXXX, XXXX, & CFPB ; I'm a little surprised and shocked that both XXXX XXXXXXXX and XXXX XXXX XXXX are still reporting inaccurate, and incomplete information on my credit report, but yet, your agency mentioned on previous dispute results that the dispute has been resolved. How can it be resolved if it continues to report the same previous negative, incomplete, inaccurate, and unverifiable information? For example, still continue to report different dates of DOLA, DLP, DLR, questionable balance, and inconsistent payment history and payment status. Delete for still multiple inaccuracies. It's my understanding from reading the recent articles from the Cfpb website that each of the credit bureaus, Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. What was the method of your investigation from my previous disputes? Who did you talk to? How can you truthfully say that it was verified if all those items are still reporting with multiple inaccuracies and incomplete.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information reported on my credit report does not belong to me. I need it removed and permanently deleted from my credit report. I have no knowledge of the information reported on my report.
Product: Money transfer, virtual currency, or money service

I sent a credit card transfer payment to XXXX XXXX XXXX for {$360.00}. It was for their return book program, where if a store can not sell the book this is a one year insurance that they can with my book XXXX XXXX XXXX XXXX XXXX. 
I called there sales representive and got one person saying the book money failed to go through and another saying it will take days to go through. All this was verbal. I need something in writing saying my payment was excepted and the service is happening.I am complaining because I am getting mixed signals verbally. I need assurance my money transfer and service is effective. 
Was the money taken from the American Express Account by XXXX XXXX? I would like to know : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX XXXX XXXX XXXXt XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Consumer Loan

When i first established this loan, i requested to have it taken from a certain bank account and was denied. So, when the payment was returned on XXXX XXXX 2015, from a hardly used bank account, i called and was finally given permission to change the bank account on my loan. The lender charged me the {$15.00} NSF and withdrew the loan amount from the correct bank account on XXXX XXXX, 2015. I made my regular loan pymt on XXXX XXXX, 2015. Because the lender does not issues statements nor send out email statements, I had to go to the website to see what my balance was. Their website does not display the balance either. There is no way you can find out the balance on your account unless you call the lender. While looking at the breakdown of my last XXXX payments, I saw that they lender had taken the entire {$380.00}, totaling {$770.00}, and applied it straight towards the principal. When i contacted to lender to ask them why, I was told that, because my payment was returned in XXXX, I had to " catch up '' on the interest for that month and basically pay the interest in advance for XXXX as well. I explained to the rep that there was no " catch up '' interest clause in my contract being that I had made the payment in XXXX as I was suppose to and that I did not see what XXXX had to do with XXXX. I then requested to have monthly statements either mailed or emailed to me so that I could have a record of both my payments and my balance because it did not seem to be moving. The rep informed me that the company does not give statements. I asked her how could a consumer keep track of their balance/payments if nothing was offered to show them what was going on with their account? She sent me a break down of my last payment. That was it.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXBalance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXXXXXX Balance : {$18000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Received emails and line on credit report for merchandise of service that I didnt purchase or otherwise and my checking account is being charged
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor XXXX XXXX XXXX is reporting a collection account on my credit report. This is not my account and I have disputed this debt several times with the credit bureau and the creditor several times. This is a violation of the Fair Debt Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft, my personal information has been compromised. An account was fraudulently opened using my information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. Balance : {$8400.00}. I need this fraudulent account to be removed from my credit report immediately, it is hurting my credit drastically. I was in a bad a car accident a few years ago, since then I have been hospitalized and unable to monitor my finances. I contacted XXXX XXXX and advised them that this account was opened fraudulently. PLEASE REMOVE FROM MY CREDIT REPORT, I WILL BE ATTACHING THE IDENTY THEFT REPORT THAT I FILED WITH THE FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XXXX  XXXX XXXX incorrectly reporting my payment status for 8 months I had a higher credit score. After filing a complaint with CFPB I finally got the negative report corrected but my credit score never went back up. My score continues to be low despite the correction. I have called all three credit reporting agencies but to no avail.
Product: Debt collection

I received the summons case XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/2023 for Jefferson Capital. I had contacted Jefferson Capital by phone that same day after receipt of summons to explain my hardship and inability to pay due to my permanent XXXX they had also asked me to email that over to them along with my Social Security Disability Letter at XXXX and also XXXX with my Jefferson Capital XXXX # XXXX and that it would be " handled ''. They also transferred me to XXXX XXXX XXXX who is listed as the attorney on file so I left a voicemail explaining the details and my contact number ( XXXX ) XXXX. 

On or about XX/XX/XXXX I contacted Jefferson Capital back as I received no phone call from the attorney XXXX XXXX. They informed me that this is still being worked on and that they did receive my email along with my Social Security XXXX Letter. and that I have to wait another two weeks- which would of been way over a month from the file of their civil complaint and not allowing me proper response time to the court. 

Today, XX/XX/XXXX I contacted XXXX XXXX again because still I have yet to hear back from their attorney XXXX XXXX this Wednesday XX/XX/XXXX will be 1 month from their date of file. The agent asked me to hold on the line and see what information he could find. He placed me on hold for XXXX minutes and came back that his manager is going to let this case proceed with litigation. I explained again that Im unable to pay ; that I'm permanently XXXX and only receive Social Security. He said... O well and put me back on a voicemail for XXXX XXXX.
Product: Credit reporting or other personal consumer reports

DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX PLEASE HELP ME REMOVE AND DELETE THIS INQUIRIES FROM MY CREDIT REPORT. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with Fair c=Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
15 U.S.C. 1681 Section 602 and 604 States i have the rights to privacy and a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification that a new inquiry was added to my credit profile and I DID NOT apply for a new credit line or account. I am requesting that the following inquiries get removed ASAP as they are negatively effecting my Mortgage decision. I am scheduled to relocate next month and my family and I desperately need this mortgage approval. Please remove them. Thank you in advance for your assistance! 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX
Product: Credit card

I opened a new XXXX XXXX by Barclays bank. This company charged me a fee for overnight shipping and did not tell me that it would be {$15.00} fee. I did not request expedited shipping for this card. I was not home and would not request a credit card be delivered without my being within 2 states of my home. I called the credit card company and they sent me to multiple call centers in different countries and did not seem to understand my complaint. I would like the {$15.00} removed from my bill as well as make sure other consumers are not placed into the same position being stuck on hold for almost an hour. Yes, it's just {$15.00} but I'm sure they do this to a lot of consumers who would just pay it. Unfortunately, they agent from Barclays could not provide documentation of me agreeing to this.
Product: Credit card or prepaid card

Account balance was approximately {$2100.00} as of XX/XX/2022. I made an online payment of {$500.00} on XX/XX/2022 to lower my account balance before the statement was generated on XX/XX/2022. The payment said it would post to the credit card on XX/XX/2022. The payment posted to my credit union checking account on XX/XX/2022. When I checked my statement it showed the {$2100.00} amount not reflecting the {$500.00} payment. I called Capital One and spoke with a representative and a supervisor. They told me they are having a system issue that is causing payments not to be reflective on statements. They dont know when this will be fixed. They said they are required to report accurately to the credit bureau, but they would not be doing so this month. They said I would have to call back after they fix their system and do an off cycle reporting. This seems like a violations of their legalities to customers and am I reporting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We received a modification as of XXXX XXXX 2016. We made our first payment that month as per our signed modification agreement. We gave the bank {$100000.00} and they finally modified us after about 5 years of going to court and never getting answers. So I have been making the payments for the following months till current and I am getting statements that I am behind in payments, that I owe money. My modification states that any owed fees were waived. Capital One is now calling my house telling me I owe money. My lawyer is speaking to the lawyer from Capital One ( XXXX XXXX XXXX the one that has been to court with us ) and he does n't know what 's going on. We gave them this life savings to clear our name and get back on our feet. Our credit score is being ruined. Please help us resolve this. No one has any answers. Thank you
Product: Debt collection

To whom it may concern, I got a surprise mail this day from Portfolio Recovery Associates ( PRA ) regarding a 1099-C and Box 5 states : " If checked, the debtor was personally liable for repayment of the debt '' If they try to collect from me more money that will not happen. Because I will show this proof to the IRS that this debt was settled, is no longer in all my credit reports as they deleted this account this is actually an old account and the statute of limitations has passed. 

I know and I am aware that this company has plenty of complaints from higher corporations. This is nothing new but a tactic to collect more money from people who try to make a living, especially these days that is very hard to survive. 

I am attaching proof of the 1055C XXXXXXXX Letter plus a confirmation letter from PRA that this debt was settled! 

In addition, they are not the original creditor. That means they bought the debt for a fraction of a dollar. 

In addition, this debt is old and has passed the statute of limitation, especially with the new law updated by XXXX XXXX XXXX due to many frauds happening in these days with debt collectors. 

From XX/XX/XXXX, creditors can not sue or make a threat to sue consumers ( implicitly or explicitly ) on debts that are older than three years. 

Please see https : XXXX # : ~ : XXXX % XXXX % XXXX % XXXX % XXXX XXXX XXXX, XXXX % XXXX % XXXX % XXXX % XXXX. 

I want to make this public so people in case they receive a 1099C from them, can do their research and read this info and what to do next. 

File a complaint to : XXXX XXXX XXXX ( State of NY ) IRS Complaint CFBP
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.
Product: Mortgage

My mortgage servicer is Freedom Mortgage. They took over my mortgage almost 4 years ago. When they did, they said my insurance didnt meet their criteria and instructed me to use XXXX to get a new policy. So I did, after I purchase a new policy they informed me they had already paid the previous policy, and refused to work with me or the previous insurance to refund the money. Then they canceled my flood insurance without my knowledge. They then manipulated my escrow account so as to create a shortage, which they then raised my monthly payment over {$500.00} per month. They then kept pressuring me to refinance, at a much higher interest rate to pay off the shortage and reduce my monthly payment.
Product: Debt collection

Immediate Request for Deletion of Inaccurate Late Payments Under FCRA 605B, 615 ( f ), 623 ( a ) ( 6 ) To whom it may concern I am writing to dispute the inaccurate late payment notations appearing on my credit report. Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I request the immediate blocking and removal of these inaccurate items due to identity theft or fraudulent misreporting. 
The following accounts contain erroneous late payment notations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ] According to FCRA 605B, if an account is linked to identity theft or misreporting, you are required to block and remove it upon receiving proper documentation. To support my dispute, I have included a copy of my FTC Identity Theft Report filed through IdentityTheft.gov, along with a copy of my government-issued ID and a utility bill for verification.

Furthermore, FCRA 615 ( f ) prohibits the use of fraudulent, misleading, or unverifiable information against a consumer. Since these accounts contain inaccurate payment history, they must be removed from my report immediately.

Per FCRA 623 ( a ) ( 6 ), data furnishers are legally required to report only accurate and verifiable information. If they can not verify these late payments, they must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

I expect a response within 30 days of receiving this letter, as required by law. Please provide written confirmation once these accounts have been deleted. 
Sincerely, XXXX XXXX ( Enclosures : Copy of FTC Identity Theft Report, ID, Proof of Address, Highlighted Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to all 3 credit bureaus ( XXXX, XXXX, and Equifax ) on XXXX about a Judgement ( Bankruptcy ) that is currently on my report. In a previous letter from them all they revealed that they verified my bankruptcy using XXXX. In the recent letter I sent to them, I attached a letter from XXXX stating that they have completley removed the Bankruptcy from my report, and even went further attaching the section of my XXXX report where they could see that it has been removed. In this letter I requested that they remove this from my report as well, being that the company they verified my infomation through removed it. I recently recieved a letter back from them stating that this account will remain on my report due to the information being verified as accurate. They did not give details of how they recently verified this accuracy of my infomation. Unless they can provide another souce of verification, I can only assume they used XXXX in which this account no longer exist. I would like to make a complaint against XXXX, Equifax, and XXXX and proceed in the removal of this account on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I voluntarily closed this account effective XX/XX/XXXX, when the loan was not in default, there was no loan delinquency, and no payments were due. M T Bank received my Notice of Rescission on XX/XX/XXXX,  and has failed to report to the reporting agencies my voluntary closure of the account. M & T Bank is in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 4 ), 1681s-2 ( a ) ( 2 ) Duty to provide notice of closed accounts and Duty to correct and update information.
Product: Credit card

For the past XXXX  months I have been working with XXXX XXXX Solutions to assist me with a BMO credit card account. XXXX XXXX is a debt consolidation management company. XXXX has provided several proposals to XXXX to accept my account into a debt consolidation program. The proposal asked to reduce the interest rate and accept a monthly payment until the debt has been fully paid off. The interest rate has increased to XXXX  % which makes it difficult to keep up with the payments and the debt will increase substantially and rapidly. 

The account was bought from Bank XXXX XXXX. We submitted a proposal to them first but were not successful because the account was bought out by XXXX. After several attempts we finally reached the BMO collections department but this department has continuously denied the proposal and has offered to do a settlement instead in which I will need to make XXXX large monthly payments of approximately {$XXXX}. I would accept this offer if I had the money to pay. Also, if I am not able to make the XXXX consecutive monthly payments then the settlement will reverse and I will still owe the full amount. 

I have been informed by XXXX XXXX that other members have been accepted to the debt consolidation program and I keep being denied. 

What can I do to be allowed into a better payment plan such as the XXXX XXXX XXXX is proposing? If the proposal from XXXX XXXX is not possible, what other fair solution will XXXX offer? 

I would like to point out the XXXX XXXX has not provided me with a copy of the proposal. I was informed it was company policy and do not know what was asked for in the proposal. Also, I requested for a letter that has the correct account number and they have declined to provide it as they say they have not received a response from BMO but I was informed by XXXX XXXX it was denied in previous conversations.