23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am filing a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to the removal of inaccurate personal information from my credit report, as well as their failure to respond within the legally mandated 30-day timeframe. 

Details of the Complaint : Dispute of Inaccurate Personal Information : On XX/XX/year>, I submitted a formal dispute to Equifax ( Dispute ID : XXXX ), clearly stating that my one and only legal name is XXXX XXXX XXXX XXXX and my correct address is XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Additionally, I confirmed my correct phone number as XXXX. 

Despite this, Equifax continues to report numerous incorrect names, addresses, and phone numbers on my credit report, including : Inaccurate Names : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and others. 
Inaccurate Addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, and several more incorrect addresses that I have never lived at.

This failure to correct the errors violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 

Failure to Respond within 30 Days : It has been over 30 days since Equifax received my dispute, and I have yet to receive any formal response or resolution. Under FCRA 611 ( a ) ( 1 ) ( A ), credit reporting agencies are required to respond to disputes within 30 days, and this failure constitutes a clear violation of the law.

Resolution Sought : I request that the CFPB take the following actions to ensure Equifax complies with the FCRA : Immediately delete all inaccurate personal information from my credit report, including all incorrect names, addresses, and phone numbers that are not my own.

Ensure that Equifax provides an updated and accurate credit report reflecting these corrections.

Investigate Equifaxs failure to respond within the 30-day period as mandated by law, and take appropriate enforcement action for this violation. 
Enclosed are copies of my original dispute letter sent to Equifax and proof of receipt, as well as my credit report showing the inaccurate personal information still being reported. 

I trust the CFPB will take prompt action to resolve this matter and ensure Equifax 's compliance with the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX th XXXX. I was encountered with a an unsympathetic supervisor today who said they report after 30 days a delinquent account. After calling numerous times since XXXX XXXX XXXX thru today I was told I had {$29.00} late minimum payment I missed however since XXXX to XXXX this was the first incident that made my card delinquent. She was not sympathetic or understanding at. The lady happily with a high tone hung up and said XXXX XXXX Citi bank Macys card.
Product: Credit reporting or other personal consumer reports

Capital one has a account on my credit profile that is not mine. I have never had a capital one account or card. I spoke with a capital one representative and was told XXXX XXXX XXXX is not attached to my social security number. That is the account that's on my credit profile. I then sent a letter with the my credit report and copy of my ID and every other document they asked for. 

I need the accounts removed from my credit report immediately or legal action will be taken.
Product: Debt collection

On XX/XX/XXXX, I was served with a civil suit for a collection company Nowack Howard on behalf of XXXX XXXX for HOA fees. According to the civil suit, I was accused of not attempting to work out my debt with the collections company. This was not true. 

I spoke with XXXX XXXX, employee of Nowack Howard, and notified her about my financial situation. In our conversation, I told her that the house was on the market for sale and needed to workout any fees. On XX/XX/XXXX, I received a follow up call from XXXX XXXX XXXX, an employee of Nowack Howard. She notified me that everything was clear and emailed me a lien release. I still have the email. 

After receiving the civil suit, I tried numerous times to call and work with someone at Nowack Howard. Finally, I received a call from the Collections Manager, XXXX, and she was supposed to provide an account statement. However, she never did. 

On XX/XX/XXXX, I received a call from XXXX XXXX, and she was able to assist. I told XXXX about the lien release from XXXX, and she said that she sent the wrong information. I offered two settlement offers to the HOA because I did n't agree with the services rendered and all the cost associated. Both of the offers were declined. 

On XX/XX/XXXX, I started seeking legal advice. An attorney pointed out that I needed to answer the complaint with the courts and utilize my grace period. I thought I was supposed to work with the Collections Department at Nowack Howard. On XX/XX/XXXX, I filed an answer to the complaint. 

Due to not having adequate time to research, I ended up being forced to pay all fees, including attorney fees because we have a closing coming up on the house. Nowack Howard did not take proper responsibility for their actions. However, they took the opportunity of my lack of knowledge in the court process to gain money during my financial distress.
Product: Credit card or prepaid card

My Capital One card payment is due on the XXXX of each month. I made my payment online on the XXXX at XXXX PT  and received a note saying I will be charged a late fee and my payment can only be scheduled for XX/XX/XXXX. I called Capital One and asked them to not charge me a late fee because its a ridiculous, arbitrary policy. I also asked if I could make a payment over the phone because they are open for business and accepting calls and today is not an official banking day so it doesnt matter what time I make my payment. Both I spoke to declined to resolve the issue and said I would be charged a late fee for making my payment at XXXX PT because the cutoff time is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 

XXXX XXXX XXXX - Account was not XXXX past due date when paid XXXX  XXXX XXXX - Account was paid after charge off for a sum agreed to by account holder and needs to be removed XXXX XXXX XXXX - Account was paid in full after charge off and needs to be removed XXXX XXXX XXXXXXXX - Account was paid in full after charge off and needs to be removed XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Charged off. Paid a sum agreed to by account holder XXXX XXXX XXXX/ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : XXXX. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
XXXX. 15 USC 16811 - XXXX to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report XXXX requests a thorough investigation into these inaccuracies. 
XXXX. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information, The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 

I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. 

Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I was sent a Visa credit card by Webster Bank, XXXX. that I had not applied for. It seemed like somebody had possibly opened the card in my name, so I called the number to have the account closed, but got a bad feeling when they immediately asked for my SSN, so I hung up with them. The card came in the same mail load as a mail-forwarding form, so it's possible it's a phishing scam made to look like a credit card scam? I've already reported to USPS that I did not in fact submit a mail forwarding request.
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 Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX 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 XXXX 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

Its unauthorized and/or unverified information on my credit report. I called to get it verified with one of the creditors and was told that the items was not on my credit report but XXXX and Equifaxhas it on my report and my file should be the same with all 3
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$200.00} XXXX/XXXX  XXXX Balance : {$380.00} XXXX XXXX Balance : {$160.00}
Product: Debt collection

On XX/XX/XXXX I was notified that I would not be able to renew my lease that had ended on XX/XX/XXXX with no prior notification before XX/XX/XXXX that I wouldnt be able to renew my lease. I received a court summons on XX/XX/XXXX to pay balance due for the month of XXXX in the amount of {$1400.00} plus court cost of {$85.00} totaling {$1500.00} but the case was dismissed by the plaintiff and signed off by the Judge on XX/XX/XXXX, there has been no other filling against me. I checked my credit score and saw a {$3800.00} being reported by pro-collect for the month of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX 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

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i.

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Equifax. In XX/XX/2018 Equifax responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX   account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I XXXX XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX and XXXX is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on my credit report. My address is XXXX XXXX XXXX XXXX XXXX AR, XXXX and I have sent in my id to confirm my address. you must remove these account this account isn't verified accurate with the address from the original creditor.
Product: Debt collection

Lvnv bought my debt they had XXXX XXXX XXXX XXXX attempting to collect it. They sent me a letter. I requested a debt validation. They then sued me. I was served by law enforcement 26 days after I recieved the initial letter. I contacted a lawyer and they had my suit dropped. They counter sued Lvnv. Even unable to verify my debt lvnv will not delete the account off my credit. The original letter was dated XXXX It came in the mail XXXX ( per informed delivery/with photo ). My court documents were dated XXXX  My attorney has copies of communications and the outcomes of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a year of yelling this company my credit card was STOLEN and then sending the account to their atty Rausch Sturm I spoke to supposedly 3 attorneys who stated they never got notice of my 3 affidavits I filled out and sent with police info - I gave up. This account is hurting my score so I was told to pay it off and then my new XXXX company will go after them for not helping when I had everything and evidence that provide my case. Now they are not reporting my payments made or lowered balance.
Product: Mortgage

FAY SERVICING RECENTLY ACQUIRED MY MORTGAGE FROM XXXX, I USE TO PAY {$2000.00} MONTHLY, I HAVE BEEN DELAYED ON MY PAYMENTS BUT ALREADY PAID IT IN FULL, NOW THE NEW MORTAGE LENDER IS ASKING FOR THE 3 MONTHS THAT ALREADY PAID AND INCREASED MY MONTHLY PAYMENT TO {$2500.00} WITH OUT EXPLAINATION OF THE INCREASE, I CONTACTED THE ACCOUNT MANAGER XXXX XXXX, HE RESPONDED BUT HAVE NOT ACTUALLY ANSWER VIA EMAIL MY INQUIRIES, I DONT WANT TO BE DELAYED ON MY PAYMENTS AGAIN, THNATS WHY I WANT THIS TO BE SETTLED AS SOON AS POSSIBLE
Product: Checking or savings account

They closed my account and gave me no info on my transactions and balances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Reporting : XXXX XXXX Acct A balance of {$1300.00} when the balance was Charged Off as of XX/XX/XXXX. The Balance should be XXXX  ( XXXX ). This is a blatant violation. 

*They are also reporting that there have been 2 more charge off dates of XX/XX/XXXX and XX/XX/XXXX, since the account was closed back in XX/XX/XXXX and is negatively impacting my credit score, making it appear that this is new information. The Charge off dates Reported seem to correspond with the dates that I sent in Disputes. This is totally inaccurate and misleading as well as re-aging the account inaccurately. 

* I have also requested an Original Signature, showing that I have a legally binding contractual obligation to XXXX XXXX. Which I have never received. 

* Invalid Account # XXXX Listed I have disputed it in XX/XX/XXXX and again in XX/XX/XXXX and all they do is update the reported date and never fix the inaccurate and misleading information and causing my credit to look as if it's a brand new issue. The XXXX account was closed back in XX/XX/XXXX and not sure why Equifax is not reporting it correctly and they are refusing to send me any reason why. 

All of these items are a Violation to the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

The credit bureaus has failed to remove fraudulent accounts from my credit report.. I am now submitting a police report, which confirms that these accounts do not belong to me. The following accounts were previously verified but should be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request that the credit bureaus review the police report and remove these accounts from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to an account reporting to the credit bureaus by XXXX XXXX. In review of my consumer report in XX/XX/XXXX, I requested validation of the account listed on my report for an amount of {$1800.00}. I sent a validation request on XX/XX/XXXX via certified mail and received receipt that it was received on XX/XX/XXXX. The information came back verified and accurate, but I was never supplied with the requested signed contract, breakdown of fees and billing totaling the referenced amount that I allegedly owe this company. I then sent another request to validate this debt with the above documentation including any communication and contracts with my signature, via certified mail in XX/XX/XXXX. I never received the signed receipt from the certified letter, although on XX/XX/XXXX, I received another response from the credit agencies that the information was verified and updated, with no documentation or validation of the information used to supposedly validate the debt in the amount of {$1800.00}. This is in clear violation of my rights under FCRA.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance {$830.00} XXXX  XXXX Balance {$830.00} Inquiries XXXX Date of Inquiry : XXXX Renewal By A Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Date of Inquiry : XXXX XXXX Installment Date of Inquiry : XXXX XXXX XXXX Cred Date of Inquiry : XXXX XXXX XXXX Ser Date of Inquiry : XXXX
Product: Bank account or service

how opened XXXX CD 's at the same time. Every year we just let them keep renewing because they were emergency funds. After about 5 years we got a notice from Pa treasury that we may have unclaimed funds. XXXX of the CD 's was turned over to them for lack of activity. Makes no sencse since the other XXXX was not. Now it will take us 3 months or more to get the money with no interest. The bank never notified us but the other CD 's was automatically renewed. When I questioned the bank manager he said that the bank messed up and could not explain what happened. my loss.