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

I am writing to file a formal complaint against Experian for its consistent failure to report accurate information on my credit file, despite multiple disputes and previous complaints filed with your organization. I have attached a copy of the most recent dispute results from Experian for your reference. 
Dispute Results : Report Number : XXXX Date Ready : XX/XX/XXXX Source : Experian Account Information : Account Name : XXXX XXXX XXXX Account Number : XXXX Despite XXXX previous disputes and complaints to both Experian and your organization, Experian continues to report inaccurate information. The discrepancy is evident in the reported last payment date of XX/XX/XXXX, while the payment history for XX/XX/XXXX indicates a 30-day delinquency. This consistent failure to rectify the inaccuracies is a clear violation of the Fair Credit Reporting Act ( FCRA ).

I am distressed by Experian 's negligence in reporting accurate information, and I firmly believe that the appropriate course of action, as per the FCRA law, is the deletion of this inaccurate information from my credit report. 

I urge you to intervene in this matter promptly and ensure that Experian adheres to the FCRA by deleting the inaccurate information from my credit file. This continuous reporting of inaccurate data has had a detrimental impact on my credit score and financial standing. 

Thank you for your attention to this matter, and I trust that you will take the necessary steps to bring resolution to this ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a 90 day late payment in XX/XX/XXXX. My student loans were and have been in income based payments during the time with a payment of {$0.00}. To make matters worse, although XXXX accepts payment as one loan, it is reported as 5 different loans, therefore all 5 show late payments. I have requested that they remove the reporting of the late payment ( since I can not possibly be late on a {$0.00} payment ) to no avail. 

I have also disputed the information with the credit reporting agencies without success. 

Interestingly, XXXX has mailed information to an address that I lived at from XXXX XXXX XXXX in Michigan. I did not give them the address and I did not even attend college until XXXX. I have not lived in Michigan since XX/XX/XXXX, nor provided that address to any company or individual since that time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. In XX/XX/2017 a XXXX XXXX account was opened under my name without my knowledge or consent and was used and left a {$160.00} dollar balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bureau XXXX XXXX XXXX XXXX  } { Credit Bureaus : ALL XXXX } { XXXX XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { insert date of report } and I noticed an unauthorized credit inquiry had been made. I contacted { inquiry sources name }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { XXXXXXXX XXXX XXXX
Product: Debt collection

# 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell:
Product: Vehicle loan or lease

I am a co-signer on a vehicle my daughter purchased using Santander Consumer loan company. My daughter fell behind in payments, vehicle was reposessed in XX/XX/XXXX. The original loan was {$12000.00} for XXXX XXXX XXXX. My daughter made payments of {$550.00} a month for a year in XX/XX/XXXX. After vehicle was repossessed I received a receipt that the vehicle was sold after repo and there was a {$12000.00} unpaid balance. After fees for late payment, retaking vehicle and cost of selling vehicle there is still a {$7400.00} balance due. 

Santander did not take into account the payments that were made in XX/XX/XXXX, which should have made the remaining balance much lower. I believe Santander prey on minorities by charging double the going interest rates over 29.99 %
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, XXXX, and Equifax have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had scholarship with   XXXX  university , earlier this year i looked at my credit report and noticed there has been lots of student loan that appeared in my credit report that were not mine. i immediately filed an identity theft report and also contacted the source that they are reporting these fraudulent account and told them about the account that do not belong to me and requested to be removed from my credit report, and they asked me for a police report which i contacted police department and field a police report as well. as of this time not only they have not send letter to the bureaus and informing them that consumer is disputing these accounts they are refusing to give me any information and they are reporting wrong information to  XXXX  major credit reporting agency and i am here to get help.
Product: Mortgage

On or about  XXXX   XXXX , I went on line looking to refinance the mortgage on my primary residence in  XXXX , VA. I was contacted by  XXXX   XXXX , a  professional mortgage consultant for Wyndham Mortgage Company. I was asked to send a n umber of documents which I sent priority mail for {$20.00} to  XXXX . After reviewing the documents,  XXXX  informed me that, based on my income, I would not qualify for the {$410000.00} loan I was requesting. ( He obviously did not look at ALL my income-just my earned income ). So my daughter and her husband accepted to co-sign the loan for me. My daughter sent all the required documents priority mail for {$29.00}. I had an appraisal done on my residence. Everything was working well. My rate was locked in  at 3.625  until  XXXX   XXXX ,  2016 .  XXXX   XXXX  was processing the loan. The first thing she did was asking me to send to her ALL of the documents I had already sent to  XXXX . Then she requested from my daughter  XXXX  and her husband  XXXX , on  XXXX   XXXX ,  2016 ,, the very same documents that she had mailed for {$29.00} BECAUSE THEY HAD LOS T THEM.It took another 3 months for the staff at Wyndham to work on the case. By then my locked- in rate was gone. The interest rates increased and I received this message from  XXXX  on  XXXX   XXXX  : I was able to review the file and talk with  XXXX  ... ..but I ca n't figure out what happened to the documents from your daughter that were scanned into the file from the front desk. '' At that point my patience ran out and I told  XXXX  to forget the whole thing. I then went to the  XXXX   XXXX   XXXX   XXXX . The first thing they told me is that I DID qualify on my own. However, the rate was   4.325. They approved my loan in a few day
s. I just want you to make a   note on how Wyndham does business. Thank   you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and XXXX Services. We have followed all instructions, advice and XXXX to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for XXXX Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Product: Debt collection

I received several letters weekly from Wilber and Associates that had a claim for me for XXXX of their clients : Claim number XXXX. Client claims XXXX. Indicating that I had an incident of amount owing for XXXX for an incident at a church parking lot on XX/XX/2022. There was no such incident as claimed, said I was backing out of a parking lot, and touch vehicle where they were no visible marks to warrant a { hitting care out of alignment }. I told client I did not here I touch car, nor do I see any marks to warrant a claim. No police were, called, I did not present my insurance because there nothing to report. 

I Requested a claim breakdown and pictures of damages. I did not receive pictures but claim breakdown for XXXX. XXXX work done, paint and other supplies, when there was no visible accident/incident. Car was parked, I was backing out carefully. Trying to tell this company that there were damages warrant a claim in any form. Still getting letters and sometimes phone calls which is having a mental state on me. Kindly look into the matter for me. My car has no marks to warrant such costs or damages. 
XXXX XXXX.
Product: Checking or savings account

My husband and I opened an account with this financial institution back in XXXX. We opened a checking and savings account and had my husbands payroll check set up for direct deposit. Im not sure why or how a second checking account was opened later. The first account stayed active and I didnt pay any mind to it even when my husbands direct deposit was switched to the second account. What I didnt notice and came to find out later was that my husband was never added to the second bank account yet they where still able to process his direct deposits into an account that was not under his name or showed him on a joint account like it did on the first account that was opened for us. I went to XXXX of their branches but when I questioned the teller she rudely answered she did not know and made it very difficult for us. My husbands direct deposits still kept on coming through the second account so I called to have him put on the account. They said they couldnt add him because he didnt have a social security number but that they would send me paperwork for him to fill out and that we had to send it back to them so they could review and see if he could possibly be added. Up until yesterday my husbands direct deposit came through but this morning when I opened my mobile app I saw that the account that was receiving his direct deposits no longer showed along with our money. I tried contacting them and All I got in response was that the account was closed and that if there was any money in the account that they would send out a check to our address. No explanation
Product: Mortgage

Mortgage lender - XXXX XXXX XXXX # XXXX I applied for the mortgage on XX/XX/XXXX. The lender filled out my application and sent me the document to sign. But the forms were already filled by the lender. 
XX/XX/XXXX - i got my loan pre approval from the lender. 
XX/XX/XXXX - i put my earnest money deposit into escrow account. The closing date was supposed to be XX/XX/XXXX. 
We did not close, the lender needed more time to verify info. The seller was kind to extend the loan contingency. Not sure why it was not done earlier, all info was provided by me right after request from the lender. 
XX/XX/XXXX - XXXX sent me an email that my loan is approved. The closing date was expected to be XX/XX/XXXX. On XXXX XXXX the lender informed my agent that we can remove the loan contingency. The closing date was supposed to be XX/XX/XXXX, as XXXX advsed my agent. On XX/XX/XXXX it was still no closing, some delay from the lender again, but as i was informed we are almost there. we did walk through with my agent on XX/XX/XXXX. XX/XX/XXXX i signed the documents with the notary, and i deposited the downpayment at the escrow account. When i was signing the documents i saw my loan amount and loan number XXXX, by XXXX XXXX. Same day the lender informed me that the loan was 'cancelled ''. XXXX assistant texted me to email XXXX that i 'refuse to purchase due to personal reasons ''. I refused to do so, i wanted to purchase the property and i put my downpayment in the escrow account. I questioned the reasons why the loan cancelled. I was informed that it happened because of sellers cancellation, That is not true. He gave another reason to the agent. and there were few more different excuses, none of them was true. The sale did not happen despite my countless efforts to make it go through. I lost half of my earnest money deposit - {$6000.00}, also i had another expenses like {$450.00} home inspection, {$500.00} appraisal, some escrow fees around {$200.00}, number of another small fees, about 50 hours of my time, time off work, stress, and also the prices went up so now it is hard to find the comparable home at this price.
Product: Debt collection

Capital Accounts made no attempt to contact me ( if they dispute this they should provide a Certified Mail Return Receipt ) before beginning to assess fees on and reporting this supposed debt to the credit bureaus resulting in significant damage to my credit score. 

I only learned of their actions against me when I noticed a large drop in my credit score in XX/XX/XXXX. After pulling my credit report to figure out what was going on a supposed debt opened on XX/XX/XXXX and reported in XX/XX/XXXX from Capital Accounts was the culprit. This supposed debt is something from XXXX that I have already paid. 

My first attempt to resolve this with the company was a notice of my disputing the debt sent by certified mail on XX/XX/XXXX. After waiting more than a week from the date my letter was signed for and receiving no response I submitted my first complaint regarding this company 's behavior. This was in regard to the lack of any notification about my right to dispute the debt or any notice that they thought I owed a debt at all. The only proof of the debt the company has offered ( in response to the first CFPB complaint ) is a copy of an old ledger which obviously is not proof of any kind. 

I reached out to the company by email on XX/XX/XXXX asking for a copy of the documentation relating to their claimed attempts to contact me. After their non-proof response to the initial complaint I finally had a time frame to investigate my records for. That is how I managed to locate the letter sent to the original creditor and after further searching the transaction record. Two days later I followed up with a second email asking for a response to the letter sent to the original creditor. I have received no response from the company to either email. 

The only contact I have received from this company, besides the damage to my credit score they have caused, was the ledger they provided to CFPB! This is obviously unprofessional and unacceptable behavior from a company that is causing harm to my financial well being and my health ( due to the added stress of this aggravating existing conditions ).

Attached is 1 ) a copy of a letter to the original creditor sent XX/XX/XXXX regarding prior billing issues and a customer copy of the payment authorization form for the dates in dispute 2 ) the transaction details from the bank for when the payment authorization was processed effective XX/XX/XXXX. 

I am sure that Capital Accounts will try to place the blame on the original creditor but the fact of the matter is that Capital Accounts continued taking these negative actions against my credit score even after being notified the debt was disputed. Simply blaming bad information does not absolve them of their behavior. This company is obviously pursuing this supposed debt in bad faith and is engaged in unacceptable business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while checking my credit report I discovered that there are several inquiries on my report that were not authorized. This is a request for proof of contact to these companies authorizing them to run a credit report on me. Please provide me with a certified copy of any documents where I authorized the following companies to run a credit report on me : Equifax XXXX XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 Equifax XXXX XXXX  XX/XX/2019 Equifax XXXX XXXX XX/XX/2019 Equifax XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX   XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XXXX XXXX XX/XX/2019 XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX   XXXX/XXXX XX/XX/2019 Equifax XXXX XX/XX/2019 Equifax XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XX/XX/2019 As you know, the Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer generated inquiry, or third party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source.