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

I am filing this complaint against Equifax for failing to correct inaccurate and outdated personal information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple requests, Equifax has retained incorrect versions of my name and addresses where I have never lived, even though I have provided my accurate information.

Violations of the FCRA : Failure to Maintain Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) Under Section 609 of the FCRA, credit reporting agencies are obligated to maintain only accurate, verifiable consumer information. Equifaxs refusal to remove outdated names and addresses despite verified updates is a violation of this requirement.

Inclusion of Unauthorized Information Equifaxs persistence in reporting unauthorized names and addresses without proper validation violates my rights to accuracy
under the FCRA. This unauthorized retention of outdated data, which I have not validated, is not only inaccurate but also potentially harmful to my credit standing.

Impact on My Financial Standing : The presence of incorrect names and outdated addresses on my credit report negatively affects my credit score and overall financial reputation, hindering my ability to access credit and pursue financial opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Continental Finance Co. XXXX, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017, I sent Nationwide a copy of my driver 's license, power of attorney ( notarized ), a signed authorization form and the title to the XXXX XXXX motorcycle. Before mailing them to Nationwide, I made XXXX copies of the documents and scanned them to my wife 's email so that we would have documentation of what we forwarded to Nationwide. 

Nationwide insists that they never received the title to the motorcycle. I spoke to them on several occasions letting them know that the required paperwork was sent to them. In addition, Nationwide has raised my interest rate from approximately 7 % ( the reason I chose to refinance with Nationwide from my original lender XXXX XXXX ) to 24. 99 %. My monthly payments have gone from XXXX to XXXX a month. They have done so because Nationwide claims that they never received my title. 

Additionally, I called and asked to cancel my motorcycle insurance ( as I had relocated to Florida and would no longer be required to have insurance ) and yet they failed to update my account in a timely manner. They have sent my account into collections and a collection company is charging me XXXX. I was always on time with my payments and this is an unfair charge.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX INQUIRIES : XXXX XX/XX/year> : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

i do not know dates except it showed up on my credit report and i have tried to communicate with the credit reporting agencies and the collection company that it was not mine with out success
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I got 67 % of my XXXX XXXX. I reached out to all three credit bureaus in regards of my credit when I was in the hospital I have over XXXX inquiries, several debt accounts thats arent mine. I tried disputing it, didnt get me nowhere ... I sent a certified letter to each credit bearu requesting full validation of debt and inquires into this matter. Also stated Ill file a lawsuit if not addressed in a timely manner. The only one that has got back to me and removed 97 % of false info is XXXX. XXXX and transunion has gave me the run around I followed up with the two and havent heard anything in response.. starting on XXXX/XXXX/2017 Ill file lawsuits against transunion and XXXX for reporting in accurate information as I can from the fair credit reporting act and see through with claims to the fullest.
Product: Student loan

MOHELA is reporting my student loan account to the credit bureaus twice. This is resulting in the account appearing multiple times on my credit report making it appear as if my balance is double or triple the actual balance. They're doing this knowingly, or perhaps as a result of gross incompetence, as I've contacted them directly about this issue. Further, I disputed these erroneous accounts with the credit bureaus before which resulted in the accounts being removed from my reports ( and the correct account and balance being reported only once ) only for MOHELA to re-report the extra accounts and place them back on my credit profile. 

I've disputed these accounts again. I intend to pursue civil litigation under the FCRA.
Product: Debt collection

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been back and forth with credit bureaus and creditors about false accounts reporting on my credit. it has been getting in the way of many things. i have filed numerous reports with each bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX  XXXX {$950.00} XXXX   XXXX {$15000.00} CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Debt collection

They obtained my medical records without my consent and tried to collect a debt that I did not owe and also communicated a threat by stating that they would refer me to legal and report it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAVE BEEN CLOSED/CHARGED OFF BUT NOT 100% REMOVED FROM MY CREDIT REPORT:

CREDIT CARDS:
XXXX  XXXX XXXX XXXX- XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX XXXXXXXX  
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, XXXX XXXXXXXX 
opened XXXX XXXX XXXX
closed XXXX XXXX XXXXXXXX XXXX

-XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX  opened XXXX XXXX XXXX 
closed XXXX XXXX XXXX XXXX XXXX:
Original Creditor: XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
opened XXXX XXXX XXXX XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX

Original Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX 
opened XXXX XXXX XXXX
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
opened XXXX XXXX XXXX
closed XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified debts on my credit. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. I don't not have a contract with this company and Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally reporting alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. I do not consent to e-Oscar or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ANY AND ALL FRUAD ALERTS and Freezes FROM MY CREDIT FILE IMMEDIATELY.
Product: Mortgage

I having problems company is saying that I miss a payment I called them since another company sold my loan..i ask them to tell me the month they said I miss the payment but they can not tell me.. ow they want to charge me more for the missing home payment..i have all my payments on file since I got the house..i don't know what else to do..my house loan has been sold twice already. New company is saying I'm missing a payment but can not tell me the month they say I miss
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer report, I see that XXXX XXXX XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several inaccuracies in my credit report. I have identified multiple accounts with errors related to payment history, balance accuracy, debt validation, and discrepancies in the date of last payment or activity. Despite my efforts to resolve these issues directly with the credit bureaus, they remain uncorrected. I request that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure a thorough investigation and resolution of these discrepancies. The following accounts are in dispute : XXXX Accounts XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Accounts XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX - XXXX TransUnion Accounts XXXXXXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  XXXX - XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - XXXX I have requested the credit bureaus provide the complete payment histories XXXX validate debts, verify balances, and correct discrepancies in dates of last payment or activity. Additionally, I have asked for the removal of any charge-off or collection remarks where applicable. I seek CFPB 's assistance in ensuring these errors are corrected promptly to reflect a fair and accurate credit report.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$170000.00}
Product: Credit reporting or other personal consumer reports

XXXX Please be advised, per my conversation with Capital One customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for XXXX not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to XXXX XXXX update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact XXXX. I spoke with XXXX customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact Capital One for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my XXXX credit report : Capital One Savor Card ( Authorized User ) - Opened : XX/XX/XXXX Capital One Spark Business Card - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my XXXX credit report, most of my Capital One Bank credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my XXXX credit report with each credit card information accurately.
Product: Debt collection

MCM consistently calls and hangs up the phone first thing in the morning. Anytime I answer " Hello? '' the call ends, yet they are calling everyday and hanging up. This is disgusting and harassing. I don't even know why you're calling me because you don't even have an actual human being on the other end of the phone to explain the purpose of the calls. 

This has been going on for weeks and is very harassing. I need for MCM to cease all communication with me due to the harassing crank calls.
Product: Mortgage

My parents were both killed in a tragic house fire this past XXXX XXXX. My brother and I, in the midst of our grief after this trauma are actively working towards selling their house and paying off the mortgage debt. Celink has denied us the courtesy of an extension to give us the small bit of extra time we need to clean up the house and get it ready to transfer ownership. We have even provided them with the purchase agreement from the new buyers and shown them that they will be repaid shortly. They say that this account is not eligible for an extension option. 

We have called them numerous times to explain our need for a small extension. We have also called the holder of the mortgage who refers us back to Celink. 

My family is hurting deeply right now as we process this horrific and unexpected loss. To be denied a compassionate and reasonable request, especially since we have proven we are taking the correct and necessary steps to repay them, is cruel and unfair.
Product: Money transfer, virtual currency, or money service

Never received proper customer service from the company about problems I had with getting any money refunded that wasnt supposed to be taken out.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

Radius Global Solutions, LLC has contacted me several times regarding an unfamiliar debt. I sent a debt validation letter to request verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the referenced creditor. I also asked Radius if they have a debt collection license for my state, Illinois. 


Radius Global Solutions has yet to provide a copy of the written agreement created by my original requirement to pay, proof that the debt belongs to me, or a copy of the original creditor 's last billing statement. The statement Radius has provided does not outline or provide an itemized debt list.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under article I this account is reporting as a collection, with a balance. The data in fields 17 and 12 are not accurate. Most important this is not my account.