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

I have gone above and beyond to provide Equifax with a ton of evidence confirming inaccurate accounts on my credit report and over the past year, they ignored my disputes several times. Ive included evidence showing Equifaxs negligence in handling these issues. Below are the Balances and Payments reported by each credit bureau. Please just look at the huge difference between what Equifax is reporting compared to XXXX and XXXX.

Balances : - XXXX {$6500.00} - XXXX {$4700.00} - Equifax {$31000.00} Payments : - XXXX {$310.00} - XXXX {$240.00} - Equifax {$830.00} This is extremely significant and has been very detrimental to my family and me. Im XXXX XXXX and live apart from my wife and children in a different state due to my current orders. As a result, Im forced to take an XXXX to work and back every day because I cant get approved for an auto loan solely due to my Equifax Report, which is unfair because the information is completely inaccurate. In addition to that, I was just recently denied for my first VA Home Loan because Equifax brought my score down so much, I missed the minimum 3 score average requirement of XXXX. I dont know where else to turn or what else to do, please help. These accounts below are whats reporting inaccurate and I have provided XXXX/XXXX XXXX XXXX requested to have this deleted off my report. This was already  deleted by XXXX and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX XXXX XXXX XXXX XXXX requested to have this deleted off my report. This was already deleted by XXXX  and XXXX months ago. The company assured me that they sent the request to have it deleted to Equifax too. 
See letter from the company and the deletions from XXXX XXXX XXXX The same account thats listed above, The Original Creditor ( XXXX XXXX XXXX ) requested deletion of this account and it was already deleted by XXXX   months ago. 
See Investigation Results from XXXX  Deleting This. 

XXXX XXXX XXXX and XXXX were both UNABLE TO VERIFY and DELETED this account? 
See Investigation Results from XXXX  Deleting This.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
PLEASE SEE SUPPORTING DOCUMENTATION PERTAINING TO EQUIFAX DATA BREACH
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with TD Bank. I was enticed by their advertised promotion that offered {$300.00} for opening a checking account and having one direct deposit of at least {$2500.00}, and {$200.00} for also opening a savings account and depositing {$20000.00}. The terms stipulated this would be credited to my account after 140 days. 

After not receiving the bonus after 140 days, I followed up via TD 's online inbox system on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX. I also exchanged several phone calls with TD, on XX/XX/XXXX, XX/XX/XXXX. 

They are denying the bonus because " the checking account does not qualify because the Customer earned a bonus on a previous account. Account xxxxxxxxxx earned a {$300.00} bonus on XX/XX/XXXX '' ; " A review of our records indicates that you have held checking /savings accounts with us in the past. Where this online promotion is for customers who are new to the bank, you would not be eligible to receive the benefit. '' The qualifications they are using are those as written *today* ( XXXX XXXX XXXX ), not at the time of account signup. The new terms state " Checking offer is not available to existing TD Bank checking Customers, prior Customers who have had a TD Bank personal checking relationship within the preceding 12 months or Customers who received a bonus on a previous checking account at any time. '' which I agree would in fact disqualify me. 

However, the terms of the promotion when I opened the account on XX/XX/XXXX specifically allowed for older customers to qualify, as long as they had not had an account in the prior 12 months. The exact language was " Checking offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months ''. I also confirmed this verbally ( that I would qualify ) with TD phone support on XX/XX/XXXX before opening the account. 

I've attached a copy of the XX/XX/XXXX terms. They can also be viewed on the Internet Archive which took a snapshot of the page on XX/XX/XXXX, XXXX which can be viewed here : XXXX XXXX XXXXXXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have medical debt from XXXX XXXX XXXX XXXX (? ) 3 of the debts were covered by insurance at that time. They refuse to seek payment for same. The MAIN concern is that the debt was sold from one agency to another agency, - ARS. ARS has listed the collection again from XXXX to forward EVERY month in an attempt to re-age the debt. I tried calling them. It did no good. The {$810.00} amount is the one they report every month. That debt was not covered by insurance. I am not disputing that I owe it. However, the debt is from XXXX/XXXX/XXXX. ARS has re-listed the debt/collection as if it were new. It is not. I believe this practice is referred to as re-aging and is an illegal practice. Just because they bought the debt from another agency does not start the clock over ... Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that there are multiple accounts and collection account reporting on my credit report along with manny inquires that i did not authorize most of the items have been removed due to fraud but there are still some items that are reporting falsely on my credit report when i have disputed it a few times please help me resolve this issue i filed an FTC report stating which accounts where Related to fraud and which inquires as well and i sent it in to all three bureaus on XXXX, XXXX, 2019 i was told that they have 30 days to responded but they have not responded to everything
Product: Debt collection

On XX/XX/2022 I hand wrote and sent a letter to XXXXesurgent Capital services/LVNV funding, explaining to them after reviewing my credit report I see that they are reporting an account on my behalf and I have never done business with their company and that they are committing identity theft and violating my consumer rights to privacy pursuant to 15 USC 1681b 2. I clearly stated pursuant to 18 USC 8 I owe no debt and further more this company NEVER had my written permission to report anything using my information pursuant to 15 USC 1681 4, no authorization is considered IDENTITY THEFT. They proceeded to send me a letter saying they could not validate my claim and to send them information regarding my identity. They also provided a statement from XXXX XXXX XXXX  with my name and an address that I do not reside at. They provided no valid information i.e. my wet ink signature or my written permission as stated above. This is a demand to remove any info regarding myself from their system as well as cease reporting my information to the credit reporting agencies or legal action will ensue.
Product: Credit reporting or other personal consumer reports

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing. 

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family. 

I insist that the late payment listed in the XXXX XXXX XXXX  be removed immediately. 

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law. 

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least XXXX  days before the payment due date. 

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Product: Mortgage

I am not able to pay my mortgage due to COVID-19. I requested from my mortgage company, American Pacific Mortgage for Forbarance provided by the Cares Act. Called them in early XXXX. I followed up about 4more times. On XXXX XXXX, I called again and they said that they finally put me on Forbarance. They told me it would not getting reported on my credit, that it would be on freeze. As of today, XX/XX/XXXX, i hav I have a delinquency report on my credit and I believe that they did not put me on Forbarance. I am currently XXXX  months behind on my mortgage and fear i will lose my home.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I hope this message finds you well. I am writing to file a formal complaint Against XXXX XXXX XXXXXXXX for their refusal to initiate a requested stop payment on funds intended for my student refund. This situation is causing considerable distress, as the funds have been transferred to an account for which I lack the necessary information. 

I have diligently attempted to rectify this issue by seeking assistance from XXXX  XXXX XXXX but, they insist that I contact my bank directly. Unfortunately, my bank can not release the required information without the proper documentation, which I currently do not possess. 

By denying me access to my student refund, XXXX  XXXX XXXX Is potentially violating consumer protection laws. I believe their actions are in direct contradiction to regulations put in place to safeguard consumers like myself from financial harm. 

I kindly request your intervention in this matter to ensure that XXXX XXXX XXXX complies with relevant laws and initiates the necessary measures to rectify the situation promptly. Your assistance is crucial in resolving this issue and preventing further financial detriment. 

Thank you for your attention to this matter. 

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

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Please remove the following items Asap : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance : {$360.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am disputing a debt allegedly owed to Jefferson Capital Systems LLC in the amount of {$11000.00}. This debt is disputed due to lack of contractual agreement. I never signed any contract or agreement with Jefferson Capital Systems LLC or the original creditor.

This alleged debt collection activity may violate the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations concerning the character, amount, or legal status of any debt.

I request that the CFPB investigate this matter and take appropriate action to resolve this discrepancy. " **
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the Department Of Education 's prolonged reporting of inaccurate information on my credit profile, which has been persisting for over 15 years. Despite the passage of time and my efforts to rectify this matter, the false reporting still appears from the Department Of Education on my credit profile as of the date of this complaint, which is XX/XX/2023. 

As per my understanding of the Fair Credit Reporting Act ( FCRA ) and industry standards, it is expected that negative information should be removed from a credit report after a period of 7 years. However, in my case, the inaccurate information continues to be reported well beyond this time frame, causing significant harm to my financial standing. 

The prolonged reporting of false information has had a detrimental impact on my creditworthiness, making it challenging for me to access credit and financial opportunities. Despite my best efforts to rectify this situation and comply with the guidelines outlined by governing bodies, the inaccurate reporting persists, causing continued frustration and disappointment. 

I have made multiple attempts to address this issue directly with the credit reporting agencies, but to no avail. It is out of sheer desperation and a sense of injustice that I am turning to your esteemed organization for assistance in resolving this matter. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this case and takes appropriate action against the credit reporting agencies responsible for the prolonged reporting of inaccurate information on my credit profile. I believe that by bringing attention to this issue, justice will be served, and steps will be taken to rectify the inaccurate reporting that has tarnished my creditworthiness for far too long. 

I have attached supporting documentation, including copies of my credit reports and correspondence with the credit reporting agencies, for your reference. Please let me know if any additional information is required to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to a prompt resolution and the restoration of accuracy to my credit profile. I trust that the Consumer Financial Protection Bureau will advocate for consumers like me and ensure that credit reporting agencies adhere to the necessary regulations and standards.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX  and XXXX  are consumer reporting agencies and I am the Consumer. These agencies have failed to do so. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer XXXX exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing a late payment on XX/XX/XXXX, from TD account last XXXX- so I complain to Td Bank, they were nice enough to write a letter on my behalf. The problem is XXXX wants TD Bank to send experian the letter. XXXX  doesnt want a letter coming from me! So I contacted td bank, I asked them to please send a letter of correction to experian. They said they would only give me a letter, and that theyve already sent a letter of correction back in XXXX. I asked TD BANK if they could please resend it because XXXX will not correct it without you sending it.- but after 10 requests TD BANK STILL refuses to resend, and I have no proof to TD Bank ever did send the initial letter to XXXX. Im being caught in between XXXX  and Td Bank XXXX TD Bank refuses to send letters to XXXX, XXXX  refuses to except my letters from TD Bank. I spent over 100 calls, and 80 hours on this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states 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 consent instructions under 15 USCS 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.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Re : Acct # XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim my account was charged off {$330.00}. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. 
I further remind you that you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Last 4 of SSN # XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

paying for the credit scores wont update