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

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXXXXXX, IA XXXX Subject : Complaint Regarding Inaccurate Reporting by Equifax Charge-Off Payment History Dear CFPB, I am writing to formally file a complaint against Equifax regarding the inaccurate reporting of payment history related to a charge-off account on my credit report. I believe that this reporting is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, which outlines the procedures for the correction of inaccurate information.

Details of the Complaint : 1. Account Information : - Creditor Name : XXXX XXXX  XXXX. Inaccurate Reporting : Upon reviewing my credit report, I have found discrepancies in the payment history associated with this charge-off. The information reported does not accurately reflect my payment history and is misleading. This has adversely affected my credit score and has implications for my ability to secure credit. 

XXXX. Dispute Process Initiated with Equifax : I have previously disputed this inaccurate information directly with Equifax, but they failed to take appropriate action to correct the inaccuracies in my report. As per 15 U.S.C. 1681i, I am entitled to have inaccurate information corrected and to receive a timely response from the credit reporting agency.

Request for Action : I kindly request that the CFPB investigate Equifax 's handling of my dispute and their failure to comply with the provisions of the FCRA regarding the correction of inaccurate information. Specifically, I ask that you : - Review Equifaxs practices related to the reporting of the disputed charge-off account. 
- Ensure that they take the necessary steps to investigate and correct the inaccuracies in my credit report. 
- Hold Equifax accountable for their potential violations of the FCRA. 

I have attached copies of my credit report that highlight the inaccuracies, as well as any relevant correspondence I have had with Equifax regarding this matter. 

Thank you for your attention to this important issue. I look forward to your prompt response regarding the investigation of my complaint. 

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

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times with Capital One to delete the closed credit card account due to Capital One violating XXXX XXXX COMPLIANCE I have paid the account but Capital One refuses to delete the closed credit card account
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information from my credit report. The items I need deleted are in this report. I am a victim of identity theft and did not make these charges. I ask that the listed items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's identity theft affidavit. Please delete the following items as soon as possible. 

XXXX XXXX XXXX  XXXX BALANCE XXXX {$10000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$2900.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$710.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$470.00} ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX  XXXX BALANCE : {$0.00} ACCOUNT NUMBER:XXXX XXXX XXXX BALANCE : {$720.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX XXXX XXXX  BALANCE : {$0.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX XXXX XXXX BALANCE : {$460.00} ACCOUNT NUMBER:XXXX DATE OPENED:XX/XX/XXXX
Product: Debt collection

On the date of XX/XX/2020 I disputed charges that are inaccurate and obsolete that are affecting my Credit score. These charges were disputed with Credit Bureaus XXXX, XXXX, and XXXX. The false charges are listed below. 

Disputed Item : XXXX XXXX CAPITAL ONE BANK USA NATION ( ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ) Allege Amount Owed {$660.00} I have No knowledge of this accounts.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

FIRST XXXX BANK - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX  Date opened XX/XX/ Balance : {$76000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect and reported. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 15 days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Credit reporting or other personal consumer reports

THIRD REQUEST Over 60 days ago I requested method of verification and proof of verification for XXXX accounts reporting on my Experian report and the information was never received. However, Experian informed me, Report # : XXXX, that the accounts were verified but no proof of verification provided. FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if a disputed item can not be verified, it must be deleted from the consumer 's file. Additionally, under 15 U.S.C. 1681c-2, any information that is the result of an unverifiable or inaccurate reinvestigation must be permanently blocked from my credit report. Since Experian has not provided sufficient evidence of verification, I demand that the unverified negative accounts be immediately deleted and blocked from further reporting on my credit report.
Product: Prepaid card

Bank of America Prepaid Debit card department notified me twice by letter that there was remaining funds in my account. I told them I know longer had this account. I went to the branch to verify the letter was not a scam. The branch ensured me it was real. I called the number listed on the letter and verified myself and my new address so the check could be reissued to my address. Then after going through all verification they refuse to reissue my check to me telling me that I needed to mail copies of my license to them. That is suspicious. Once a customer is verified in the system you don't have to do this for employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft as a result of a previous illness. I have contacted Experian 18 times to date to please correct the errors. Experian has failed to provide any verified documents so that I may assist law enforcement in remedying this problem. They have also stated that they did not receive my 2 previous requests but I show successful certified mail delivered onXX/XX/2020.
Product: Credit reporting or other personal consumer reports

Despite my prior attempts to address this issue, I regret to inform you that the fraudulent items remain unresolved. As a result, I am reaching out once again to request your immediate attention to rectify this matter. 

Upon reviewing my account statements, it is evident that several transactions have been made without my authorization or recognition. I have attached documentation supporting my claim, including statements highlighting the fraudulent items and any relevant information I could gather to assist in the investigation. 

Given the seriousness of this matter, I kindly request that your team take urgent action to investigate and remove these fraudulent items from my account. Additionally, I urge you to implement measures to prevent similar occurrences in the future. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

We feel that we were given misleading information about the balance owed on a new Hyundai Elantra. We voluntarily gave the car back to Hyundai. Settlement amount was {$8200.00} We paid to XXXX XXXX XXXX We have a XXXX balance. Hyundai is reporting that we have a balance of {$3400.00}
Product: Debt collection

Account was paid off the benefits in XXXX, the XXXX slipped in his lies and said the company RMP services recieved the debt in XXXX. Which is was already a XXXX balance in XXXX. I have the XXXX that there company RMP services sent to me showing the accounts has XXXX balances on each date that it was XXXX out. Also my hospital facility sent me copy from the account department I forwarded them over to RMP Services and they refused to remove from my credit. In fact they went in and added a dollar more to the account after I told them there impacting my credit score with false accounts and information. They have refunded me my money that's what made me look further into it and I found out that these accounts have a XXXX dollar balance.
Product: Debt collection

I have sent two different letters to the company requesting debt validation and they did not respond, however they call my phone multiple times a day. I requested that they send correspondence through USPS and they have not. At this point, it is harassment and causing anxiety. I have been recovering from illness and I just want the calls to stop. 
The account numbers are XXXX, XXXX, XXXX, AND XXXX. It has been well past the 10 days to validate the debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX  FOR XXXX XXXX XXXX  Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor
Product: Credit card or prepaid card

I received my first statement after the due date. Upon receipt, I paid the account in full, however did not call Citbank prior to a second statement being generated. The second statement had late charges for both the first payment due XX/XX/XXXX as well as XX/XX/XXXX. I made no payment on or prior to XX/XX/XXXX as in my mind I had paid the card in full and didn't open the statement until a later date. Once I finally did open the statement, I learned of the charges and contacted Citibank immediately. The initial representative was able to reverse the second set of late charges, but indicated she could not do anything about the initial late charged. I asked who do I need to speak to to have the charged reversed, she indicated a supervisor. Transferred to supervisor, no avail. I further escalated to the another supervisor who indicated she could not do anything either, but would review the call to see if the initial representative misinformed me. 

The supervisor contacted me back and by her own admission indicated that the original representative should have informed me that no supervisor could remove the initial late charge, however because that rep didn't specifically state that they would remove them, there was no error on Citibank 's part. They will not remove the initial late fee which no amounts to approximately 60.8 % of the actual balance that was on the card and paid in full as soon as I received the statement. I was told that if they removed the original late fee, it would demonstrate preferential to me. 

I find Citibank 's lack of willingness to work with me over something that is clearly not my fault ( nor their 's ) appalling. To charge a customer such a fee because mail was delayed is ridiculous.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 beureu consumer report and I noticed inaccurate information posted on my consumer report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicate inquiries on my report and it doesn't seem as if they perform a proper investigation to fix the problem. It is with One Main and the dates are XX/XX/2017 and XX/XX/2017..This has impacted my report negatively and has repeatedly caused me to be turned down for lines of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the XXXX even XX/XX/XXXX and now I need them to be aware that they are reporting wrong opened date and wrong creditor.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I've noticed unfamiliar entries that suggest my identity may have been compromised, as I did not authorize these accounts. I've previously addressed this issue, and I am now urgently requesting the removal of these accounts from my report. Their presence is causing me significant stress as they inaccurately reflect my credit history and financial behavior. Dealing with this situation has been challenging. If a resolution can not be reached, I am prepared to take legal action to safeguard my rights and seek a remedy. These erroneous entries are posing a major obstacle for me, hindering my ability to achieve important financial milestones such as purchasing a home and providing for my family. I sincerely hope for a swift resolution to this matter.
Product: Debt collection

I submitted dispute back in XX/XX/year> regarding this debt with Glasser and Glasser ( XXXX XXXX XXXX  and they failed to provided the requested verification of the alleged debt they say I owe and keep harassing me about suing me about this card.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal Obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus but I never received a response from them. This account must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I have paid {$2200.00} in " principal only '' payments to my mortgage company. The amount was recorded on the PRINCIPAL ONLY line on each statement and PRINCIPAL ONLY was recorded on the memo section of each check. They applied these payments as regular payments and when I checked last month, they had me paid in advance until XXXX of this year. I have called them three times, most recently on XX/XX/XXXX ( XXXX ) and each time I was promised a copy of all payments and how they were applied to my account for the past two years but a statement never comes. I have written twice and no reply. I am ready to contact my local news station but want to try this first. These are the check numbers : # XXXX for {$300.00}, # XXXX for {$500.00}, # XXXX for {$300.00}, # XXXX for {$300.00}, # XXXX for {$350.00} and # XXXX for {$500.00}. These were personal checks as my bank sends a separate draft every two weeks in the amount of {$360.00} in advance of each monthly payment. I want these funds applied to principal only. There is no pre-payment clause and I feel what they are doing is FRAUD. The company is DiTech Financial and payments are mailed to XXXX XXXX XXXX XXXX IL.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. I want the reported complaints removed.
Product: Debt collection

On my Credit Report, I saw a collection account from a debt collector acting on behalf XXXX XXXX XXXX. I was able to retrieve the lease which was active at a time. I had my own lease with a different leasing company. Also, the email used to sign for the lease is not mine either. I wrote to the debt collector who has not responded and refuses to remove this debt off my credit report. I reminded them it is illegal to report accounts on my credit report for which isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I am a consumer whose rights were violated by XXXX, XXXX, and Experian. I pulled a copy of my consumer reports on XX/XX/XXXX. I read through all of my reports and did some research. I realized that I have been ignorant of the law and that I have been violated by these agencies. I filed an identity theft report, then mailed a copy along with dispute letters to XXXX, XXXX, and Experian on XX/XX/XXXX to confirm that I didn't provide written consent, permission, or instructions for these transactions to be reported to my credit report. These transactions also should have been excluded from my consumer reports because I did not give consent, and there is no permissible purpose for these items being reported. None of the companies reporting gave me the option to opt-out from reporting, nor did I give them permission to report anything. I checked the post office website, and I know XXXX, XXXX, and Experian received these letters on XX/XX/XXXX. I gave them 4 days to block and remove these items. Today is day number 4 and I haven't received a response. Here is the list of items they were instructed to remove : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Investigation was not properly investigated normal results properly sent back. This company has violated my rights as well as affecting my chances of getting a house as well as starting a business.