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

Subject : Formal Complaint Against Equifax for Non-Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir or Madam, I am filing a formal complaint against Equifax Information Services LLC for its failure to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate collection information from my credit report. This same collection account has already been removed by XXXX and XXXX after my disputes, yet Equifax continues to report it inaccurately. 

Details of the disputed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem Summary Equifax is inaccurately reporting this collection account on my credit report, which violates the FCRA. The creditor has failed to provide verifiable evidence to substantiate this debt, as required by law. 

Specific Violations of the FCRA 1. Section 611 ( a ) ( 1 ) ( A ) : Equifax is required to investigate and verify disputed information within 30 days of receiving a dispute. This timeframe has elapsed, and no valid evidence has been provided to substantiate this account.

2. Section 609 ( a ) ( 1 ) ( A ) : Under this section, I have the right to receive complete and verifiable information about any item reported on my credit file. Equifax has failed to provide such documentation, demonstrating that the account lacks a legal basis to remain on my report.

3. Section 623 ( a ) ( 1 ) ( B ) : The FCRA mandates that furnishers of information ensure all data reported is accurate and complete. Equifaxs continued reporting of this account, despite its removal by XXXX and XXXX, indicates a failure to uphold this responsibility. 
4. Damages : The presence of this inaccurate account has caused financial and emotional harm, including damage to my credit score and denial of credit on favorable terms. 

Requested Action by the CFPB I am requesting immediate intervention by the CFPB to : Direct Equifax to delete this collection account from my credit report. 
Ensure Equifax complies with the FCRA and takes responsibility for its handling of this and future disputes. 
Investigate Equifaxs negligence in this matter and impose sanctions if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was previously filed against Transunion and the complaint number asigned was XXXX on XX/XX/XXXX Transunion responded to the complaint. Attached is the copy of the response under loaded documents. 

More than 30 days have passed and they did not respond to me as they mentioned. I checked my transunion report online and I still see the two accounts in question still reported. Transunion. 

My question is, if Transunion is reporting two accounts, under those accounts, they provide and address so That I as a consumer can write directly to the companies reporting incorrect information. And the Unites States Postal Service keeps returning to me the letters sent to the companies with a label affixed to the envelope that says " Undeliverable as addressed or Unable to forward. And I send a copy of that envelope to Transunion, and they keep giving me the same response, that they will investigate, yet when they investigate, they reply, " Account verified ''. Is it not Transunion 's obligation to either provide me with a correct address for the company they keep verifying or with all the proof I keep sending them that the letters are being returned, the right way to fix this is to delete those two accounts that obviously I am not able to get a hold of by mail.
Product: Student loan

I was told loan was discharged in BK in XXXX. Now Nelnet is reporting negative to my credit report. In fact they were inaccurately reporting that i my student loans were in bankruptcy as of XXXX XXXX. They have since corrected that error, but now report that i am 90 days plus delinquent. I never received a notice due, late notice or anything from Nelnet. I spoke with Nelnet and they advised they had n't contacted me since XXXX XXXX and even then it was at wrong address eventhough my info is correct with the bankruptcy. Nelnet is inept and i should not be damaged because of their inadequacies. Their inaccurate reporting dropped my score over 70 points and cost me a job that i was offered. On the day i was supposed to start they pulled my credit and because of the score falling below minimum requirements i lost the job. I have since applied again and have been approved for a deferrment due to no income. I cant pay back a loan without a job and i cant get a job if nelnet wont correct their errors and take responsibility for their deficiencies. i.e they did not update their address, they did not properly filed the bankruptcy notice and they reporting bad info to credit report
Product: Credit card

I made a purchase for XXXX  using the Commerce Bank credit card. The total was {$1800.00} or so for a month of lodging in an XXXX in XXXX. 
The experience was just horrible. 
1. Knowing the booking was for a month, the XXXX  should have been stocked accordingly. It was stocked for 2 days stay - toilet paper, paper towel, towels, etc.. Not for 30 days!

2. I had my service animal with me which is by federal law allowed to bring. The host came to me and told me to pay for my service animal another {$500.00} in cash outside the XXXX or else they will make up something to get rid of me. This is extortion!

3. The host entered the apartment without my permission nor my knowlege. My girlfriends private items like underwear were out and about. Thats an invasion of privacy.

4. The host overall was extremely aggressive and rude to us.

Due to these reasons, I have opened a dispute with the credit card company and then did not hear anything!

There is no dispute center, there is no online portal. I called twice and both times had to wait 2 hours on the line until I got someone! 
The reason I called second time was because whoever opened my dispute the first time did not do anything! I had essentially to open the dispute twice. 
Just horrible service. 

Then, 3 months later, I get a notice that I am getting rebilled. Despite all the above, and without any investigation, they just rebilled me and there is no ability to appeal, no one to talk to so I decided not to pay for the bill, as I should! 
They placed a past due mark on my credit report and I can not do anything!! I am being screwed from all directions with this transactions!
Product: Debt collection

XXXX had engaged in a lawsuit against FRAUDULANT COMPANY XXXX XXXX in XX/XX/XXXX- ( claiming their banks practices were hurting their sales ). Portfolio recovery associate LLC ( XXXX ) Rewarded vs. XXXX XXXX, Portfolio Recovery Associate, claiming owner of the crediting care the changed converting credit card into a Fraudulent obsolete XXXX expired credit into a New credit with activity in XXXX claiming owner created a credit card called a ( XXXX XX/XX/XXXX ). Synchronys partnership with XXXX XXXX XXXX as third partys Master Credit card debt complaints. Predatory XXXX XXXX, and XXXX XXXX claiming owning Portfolio Recovery Associate LLC Debt collector XX/XX/XXXX Order Judgement receive in the amount to pay {$8300.00} and court costs in the amount of {$410.00}, for all the above let execution issue claim to represent XXXX XXXX XXXX as third partys XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX Claim distressed Repeatedly sent Misleading debt collection letters. Extra fees and charges and card expired statute of limitations has expired. Refusing to stop calling when ask them to be on Do Not Call List. Judgement for the letter claims, overcharging XXXX Credit Management. Policy, which is different from the privacy policy of XXXX. Violate the law by making fraud and double payments. XXXX XXXX. 

The XXXX XXXX Weighted Goods Class Action Lawsuit. XXXX XXXX is not XXXX XXXX divorce from the credit card issuer XXXX XXXX, breaching their agreement for credit cards issued to XXXX shoppers, contractually defined process for valuing the loan portfolio that XXXX has serviced, failed in the most basic elements of our agreement, including its promotion of the card program both in stores and online. XX/XX/XXXX. XXXX Lost XXXX Card Deal in Battle With XXXX ... 

XXXX XXXX XXXX.
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 XXXX XXXX Account XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX Account Name : 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 Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Credit card or prepaid card

I am writing to dispute the credit card activity on my account for the amount of {$4500.00} on XX/XX/2022. I have attached the receipt of loss claim with the claim number XXXX and the order details for your review. 

I received my order from XXXX XXXX on XX/XX/2022, and unfortunately, the goods were damaged during transportation. The items were not packaged properly, and as a result, the goods were dented, scratched, and unusable. Therefore, I request that you investigate this matter and issue a refund for the disputed amount.
Product: Credit card or prepaid card

I pai d off my Bank Of American cr edit card in full on  XXXX  for amount of {$790.00} and there was not outstanding balance and i did n't make any other purchase since then. But on  XXXX  they took {$790.00} from my savings account. When i called customer service about the issue, they said I was charged multiple times. I requested them to refund the amount to my bank account and currently i 'm waiting for the refund.   My issue here is that why would they charge me multiple times? I 've never seen this happen with any other credit card provider. Now i have to wait 5 days for them to refund me.What if I needed the cash urgently? what if my account was overdraft?
Product: Debt collection

I received a letter via XXXX  stating that this was final notice and I would be sued if not paid. I have never received a letter concerning this debt and don't understand how this is final notice. 

I am requesting a debt validation from this collection and also the appropriate collection laws to be followed and not threatening letters in the mail.
Product: Credit reporting or other personal consumer reports

Unsuccessful and slow moving changes or deletions of derogatory and inaccurate personal information related to supposed records of majority closed accounts
Product: Mortgage

Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX account # XXXX account # XXXX, is violating 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 also states a consumer reporting Agencey can not furnish a account without my written instructions.
Product: Mortgage

Starting in 2011, until last night, I was enrolled in Paymap Inc. 's Equity Accelerator program for a 30-year fixed-rate mortgage I have through XXXX. I found out last night that CFPB has taken action against Paymap for the Equity Accelerator program. How can I find out if I indeed was scammed by this program & thus received no added benefit, while I was charged an initiation fee of {$300.00} or so and also {$2.00} transaction fees for every payment. It appears as though everyone in this program was deceived. Please help.
Product: Debt collection

on or about XX/XX/2022 saw my credit report for the first time and saw this company on the XXXX report stating that i owe them {$570.00} when i wrote to them asking for validation of the debt i never got a response they never sent me anything im not sure if this is a scam or not
Product: Checking or savings account

I was suppose to have funds transferred into this account, they closed my account without me knowing and they wont help me find it
Product: Debt collection

This debt collector is not answering any of my questions that I ask them once I verify that they have my correct name and address. I never owned any phone company any debt. This is the first Im hearing of this debt and cant get any further information. I want them to stop harassing me.
Product: Checking or savings account

Citi Bank sent me a letter announcing their closure of my XXXX XXXX XXXX account. 

I asked why. Citi said " excessive wires. '' I responded, I have NEVER sent a wire from the account. 

They agreed but said that nevertheless there was nothing they could do about this. 

It seems like Citi is discriminating against XXXX XXXX XXXX 

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

My name is XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. Please see attached document and ID as it contains my full complaint and requests.
Product: Credit reporting, credit repair services, 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ENCLOSED ACCOUNTS WERE FILED TO THE FTC ALL FCRA VIOLATIONS, OR AND FAIR DEBT VIOLATIONS XX/XX/XXXX Creditor Name XXXX  XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1000.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- XX/XX/XXXX Creditor Name XXXX/XXXX XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$5700.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$1200.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1200.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account. 
Balance {$0.00} Highest Balance {$130.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late XXXX Remarks --
Product: Debt collection

My car was stolen on XX/XX/2022 and my wallet was in the car also. All of my credit and debit cards, store cards, XXXX personal check were in my wallet. I have already reported to police and frozen all stolen cards. 
However, I found there was a check value {$830.00} from XXXX charged on my XXXX checking account since XXXX ( or XXXX, I forgot the accurate date ). Then I tried to dispute with XXXX and XXXX, however I found they tried to charge me again on XX/XX/XXXX. I called XXXX again to dispute and the customer service advised me to close current checking account that XXXX keeps charging and open a new one, so I went local branch, closed and opened a new checking account. 
Recently, I received a call from XXXX about I owed them {$860.00}, so I disputed with them again and now they need some documentations from me.
Product: Credit reporting or other personal consumer reports

Ive disputed XXXX accounts that I do not own or have knowledge of multiple times through Experian & I have not received a detailed report of any of the investigations. I seen no effort to validate the debts, as the accounts are still on my report & I would like them removed. or for those particular accounts to stop being reported by Experian. Giving the lawsuit, I believe Experian has not properly & throughly investigated my dispute, or validation of those accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been trying to purchase a home and purchase a vehicle but my consumer rights have been tremendously violated by several collection companies listed below as well as the 3 major credit bureau ( XXXX, XXXX, and XXXX ). Which have violated federal laws while being knowledgeable of these violations. 

These companies are reporting fraudulent inaccurate information on my credit report. According to 15 USC 1681g, 15 USC 1681 ( a ) ( 4 ) and also 15 USC 1681 there should not be any damages on my report. These companies are all in Violation of my rights and its a defamation of my character. I have requested some creditors to provide the purchase agreement to show full ownership of an account and also any other documents and proof of chain of title. 

XXXX XXXX XXXX Account XXXX XXXX Balance {$430.00} reporting due as XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX  ). 

XXXX XXXX XXXX Account # XXXX Balance {$420.00} reporting due as of XX/XX/year> They are not the Original creditor The original creditor would be ( XXXX XXXX XXXX ). 

XXXX XXXX Account # XXXX Balance {$1300.00} reporting due as of XX/XX/year> when the account was charged off XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be also in violation of consumer laws. 

XXXX XXXX Account # XXXX Account is reporting closed and is a violation of my rights. 

XXXX  XXXX Account # XXXX Account is reporting open when it shouldnt be which is in violation. 

XXXX XXXX XXXX XXXX Account # XXXX Balance of ( {$4700.00} ) is reporting due when this account was charged off at ( {$8800.00} ) and written off at ( {$4700.00} ). 1099-C Identifiable Event Code Event code 7 ( states a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel debt ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file several dospute with many the collection companies on my report with are reporting payments or accounts that do not belong to them and were paid off to the orginial creditor months or years ago. I have sent letters to the collection agency I have submitted proof of payment to orginial creditors to all 3 Credit Bureaus some they remove, shift to another credit bureau, report under a different creditor, or claim to investigate but do nothing but refresh the date so that it stays on my credit report longer. I have been more than patients in the process now I'm getting can no longer dispute on some because the " investigate '' nothing.
Product: Debt collection

Open date is XX/XX/XXXX which is incorrect. Last reported on XX/XX/XXXX. This account is consistently being reported on my account when it was closed. 

I never had a contract with this debt collector for any debt.