23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

EQUIFAX has refused to remove a debt that I have already proven does not belong to me. I have provided a copy of a written letter from XXXX XXXX XXXX verifying that they have informed EQUIFAX to remove the debt. However EQUIFAX is refusing to comply reporting fraudulent claims in my name and has been doing so since 2013. When I began to contact your office this month, EQUIFAX turned around and began to retaliate against me, ADDING accounts instead of removing the account in question. Now EQUIFAX has added an old XXXX claim in my name despite this information has been disputed before and by EQUIFAX removed. I have evidence that EQUIFAX removed the false claim from XXXX as I have never signed anything with XXXX. I do not understand why EQUIFAX believe they do not have to follow the law. It is ID Theft when you use someone else SSN fraudulently. I have received no evidence from EQUIFAX that I owe this debt, because I do NOT. According to the law, not only do they have to prove their claim they also have to notate the items are disputed which EQUIFAX has failed to do.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am personally submitting this complaint without involving any third parties. I have included letters that outline the inaccuracies found on my credit report. The reports from XXXX, Experian, and XXXX include incorrect information with varying and outdated dates.
Product: Debt collection

There are two companies involved here. One is SunUp Financial d.b.a. Balance Credit ; the other is XXXX XXXX XXXX. In XXXX of XXXX  I took out a loan with SunUp/Balance Credit. It was predatory -- 227 % -- but I knew I would be paying it as soon as the funds from the sale of my house arrived. In XXXX I mailed a check to pay off the loan, but when someone from SunUp/Balance Credit told me of the hundreds of dollars of interest that would accrue while they verified the check, I canceled the check and sent a cashier 's check instead. 

When they received the cashier 's check, SunUp/Balance Credit sent me an email saying that my loan was paid off. The email said that I could get a paid off letter from their Website by logging in to my account, so I logged in and retrieved the doc. ( It is a copy of the original loan doc with the words PAID IN FULL superimposed across each page. ) Then two-and-a-half years later I was contacted by the collection agency XXXX XXXX XXXX saying to send {$5000.00} for this loan. Despite sending them my evidence and explaining to them that the loan is paid off, they continue to keep this on my credit report and continue to send me letters asking for payment. 

My son has two XXXX  XXXX. If he were to catch the coronavirus, it would most likely be fatal. So when my employer reopens their doors, I will not be able to go back. For that reason, my wife and I plan on selling in Southern California and moving to Texas where things are more affordable. The problem is that my credit rating makes it difficult for me to qualify for a loan and Im not able to do anything to raise that rating due to XXXX XXXX XXXX reporting that I owe for a paid-off loan. 

My two-and-a-half pieces of evidence : 1. The email from SunUp/Balance Credit saying my loan is paid off. 
2. The Paid in Full doc from Sun/Up Balance Credit.

3. I did not save the copy of the cashiers check ( I figured numbers 1 and 2 would be enough ). But I do have a bank statement showing a cash withdrawal of {$5000.00} ( used to buy the cashiers check ) on XXXX. The paid-off email is dated XXXX. This is my half piece of evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Showing on report as late when account was never issued to me in writing or given permission to report
Product: Credit reporting or other personal consumer reports

n 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting of Transunion an early exclusion ( deletion ) of an account that is currently been reported on my Transunion credit report. The account is scheduled to drop off my credit report in XXXX of 2022. This is based on the last credit report that I got from Transunion. Transunion 's policy states that persons can request for an early exclusion ( deletion ) up to XXXX months before the account is scheduled to be deleted from the credit report. It is now 6 months before an account that is listed on my credit report is scheduled to fall off. 
I am therefore asking an early exclusion ( deletion ) of a XXXX  XXXX XXXX account from my credit report please. The account number for that account is XXXX ..... 
This is account is schedule to be dropped off my credit report in 6 months time. It is with that in mind that I am requesting an early exclusion ( deletion ) of this item from my credit report. This request is made based on the policy of this company that of giving persons up to six months before the schedule deletion date to request that an item be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit card with XXXX XXXX XXXX XXXX has been removed by Experian which is still open and payments on time credit card issuer : XXXX XXXX XXXX XXXX card name : XXXX XXXX  XXXX Also auto loan account with XXXX XXXX XXXX XXXX has been removed by Experian which is still open here are accounts still open and have been removed from credit report 1. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. 

2. ) account with XXXX XXXX that starts with XXXX has been removed from your credit report. The above 2 accounts have been removed from report but suppose to be open
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued request that I have been a victim of identity theft and seems like no one seems to care, that I want to dispute specific records in my credit file that do not belong to me or have an affiliation with me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$330.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1500.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to address discrepancies found in my recent credit report, which I received and reviewed. Upon careful examination, I discovered inaccuracies within certain accounts listed on my consumer report. It appears that this agency is in violation of 15 USC 15 USC 1681i. 
In response to my dispute regarding the account XXXX XXXX  XXXX, your agency claimed validation of inaccurate information. However, I wish to formally dispute the accuracy of this account. The information furnished regarding this account on my consumer report is, in fact, inaccurate.

According to 15 USC 1681i ( 5 ) regarding the treatment of inaccurate or unverifiable information, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

The reporting of these account ( s ) constitutes violations of 15 USC 1681e ( b ), which mandates accuracy of reports. The agency is required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How can inaccurate information be verified? It appears that METRO2 Compliance procedures and reporting format have been violated.

I hereby request the immediate deletion of this account from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My Loan servicing was transferred from XXXX XXXX to Planet Home Lending LLC on XXXX per the transfer letter from XXXX XXXX dated XXXX Per the XXXX letter, the law requires PHL, the new server to send out a letter of transfer no later than 15 days from the transfer date. 

To this date I have not received the required letter of transfer from PHL On XXXX I spoke with XXXX of PHL, he said letter had not been issued yet. 

I asked XXXX if PHL had my loss mitigation application from XXXX XXXX. He said no. 

I informed him that XXXX XXXX issued a letter dated XXXX, confirming my loss mitigation application was received on XXXX and they determined it was complete. 

PHL ask that I fax the XXXX letter confirming the loss medication completion and address it to XXXX and they would get back to me, once they located my completed file. Letter was faxed on XX/XX/XXXX On XXXX I signed a PHL, XXXX authorization letter for XXXX XXXX XXXX. 

As of XX/XX/XXXXXXXX PHL has not replied to any of the above ; to me or XXXX XXXX XXXX. 

On XXXX I received a statement from PHL demanding payment in the amount of {$230000.00} Nowhere on their statement did it reflect that I was discharge of this debt in my XXXX Bankruptcy, furthermore their letter is threatening to report derogatory information to the credit reporting agencies. 

Should PHL continue this form harassment, I will seek all legal remedies, including but not limited to Federal Bankruptcy court. 

On XXXX I fax PHL  and asked that they confirm by Bankruptcy Discharge. 

I require thaXXXX PHL address ever one of my points in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX Account XXXX XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

. XXXX XXXX XXXX ... Account # XXXX ... ..Status legally paid in full XXXX XXXX XXXX XXXX Acct XXXX XXXX .... Legally paid in full XXXX /XXXX  XXXX ... Account XXXX ... .Legally paid in full XXXX XXXX XXXX XXXX XXXX XXXX paid in full XXXX XXXX XXXX ... . Legally paid in full XXXX / XXXX XXXX .... Legally paid in full All these accounts have been paid and in full, I am going for closing and they report them late and refuse to delete this accounts off as I have paid them and owe them nothing. the even stated paid in full on my report but refuse to update my report and delete them off my report. 

I should be closing on my house this week Friday, which if I don't I will loose {$3000.00} earnest deposit. 
Help me please. 

I have contacted the credit bureaus but they are not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX. I tried again to fix this account which Ive been having problems from a couple months back. This is really affecting my personal life and also giving a really hard time for me and my family. This account is not accurate. Its not mine, I called them and confirmed that they have my birth date as XX/XX/XXXX. And I asked EXPERIAN and XXXX to do a full investigation on this account. They came back with it as confirmed which tells me THEY DID NOT complete a full investigation according to the FCRA. For instance I please ask for this account to be PERMANENTLY DELETED from my credit reports. Besides it was already deleted from my XXXX credit report. But not from the before mentioned bureaus. they violated my rights not once but a lot of times by taking more than 30 days to respond to my first complaint and then not completing the investigation how I asked them to. 

Besides for extra evidence of this account with many errors I attached a screenshot of my credit report where it says the account was also paid off in full since XXXX. 

XXXX # XXXX
Product: Debt collection

On XX/XX/XXXX I checked my credit and saw accounts from consumer adjustment from XXXX XXXX for {$1400.00}. 

I contacted XXXX XXXX XXXX XXXX and they said they do not have any record for {$1400.00}. They stated they have Financial assistance forms for me on file and there would have never been a bill generated for my service in XX/XX/2016. They told me the fee might be associated with the doctor, XXXX XXXX. 

I contacted the numbers associated with XXXX XXXX private practice and was told the doctor retired, the office is closed and the debt is invalid. They told me to contact the collections agency and tell them Im not responsible.

I contacted consumer adjustment and told them the account doesnt exist. And even if it did, its a HIPPA act, which guarantees my medical records including costs associated with services are protected by my right to privacy. 

I also let them know I never received any correspondence about this debt and it should need deleted. They rep stated the documents were sent to an address Ive never lived at. I told her I was homeless living in my car and had no address, so not sure where they mailed it but I never received it.
Product: Debt collection

I have disputed on multiple occasions with the CRA 's and directly to the creditor, Capital One. I sent disputes on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The CRA 's keep concluding my disputes as validated accounts, and they do not correct or delete the inaccurate the  information. I requested the CRA 's to reinvestigate the wrong past due amounts, and wrong balances that's reporting on my credit reports. How can a credit card company report a credit card with only a {$300.00} llimit, with having a past due balance of {$3700.00}! That's impossible. I requested proof that I owed this balance and I have NEVER received any proof that I owe this outrageous balance. The 3 credit bureaus are also reporting conflicting, information. I mean don't the credit bureaus all contact the same creditor and aren't the creditors suppose to provide the same, accurate information to ALL the CRA 's? So if they are actually verifying the information that the creditors are providing them, then my credit reports should all look the same, but they DON't! Because the CRA 's and creditor, Capital One are reporting wrong information, I'm at a 240 % revolving credit balance which is severely impacting my credit score negatively. I have requested on many occasions for the CRA 's to conduct reasonable investigations regarding the information on my credit report, but they have failed to do so. In a reinvestigation of the accuracy of credit reports [ pursuant to 1681i ( a ) ], a credit bureau must bear some responsibility for evaluating the accuracy of information obtained from subscribers. I have included copies of the credit reports, the different reported information that's been inaccurate for many years. I have alerted to the accusation that the accounts were inaccurate, and then confronted with the credit grantors ' reiteration of the inaccurate information. However,, XXXX, XXXX, and XXXX continued to rely on the inaccuracy of the creditor and did not re-investigate or verify that the information provided by the creditor was in fact complete, accurate and true.
Product: Credit reporting or other personal consumer reports

I am writing to you under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 1 ), 611 ( a ) ( 1 ), and 623 ( a ) ( 1 ) ( B ), to formally request verification and removal of inaccurate late payment information appearing on my credit report. 

The accounts in question are as follows : Creditor Name : XXXX XXXX Account Number : XXXX Reported Late Payment Date : XX/XX/scrub> XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance of the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A states I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. Also states that a consumer reporting agency can not furnish an account without my written permission. 


As you can see above even with some of the accounts they show duplicates and the reports are not accurate at all. I am learning more and more about my rights and what can be done to prevent things like this from happening and affecting my credit reports unfairly.
Product: Debt collection

Navy federal keeps contacting my dad The number that is calling is XXXX
Product: Checking or savings account

I am submitting this complaint because this bank is continuing to deny my applications, this time one for a checking account, three years after shutting down a single Chase XXXX credit card because of too many inquiries. Since this, I also tried to open a Chase XXXX card and received the denial reason of " Previous unsatisfactory relationship with bank ''. I understand their concerns then since my credit file was a little thin and new but clearly today is different with a > XXXX credit score. I have never defaulted on a loan or even ever been late with a payment and have thus clearly demonstrated being a good credit risk, at least for a checking account. I opened this account because of the convenience of a branch to my home. I am kindly asking for this to be reconsidered due to the time that has passed and also it being based on actions I didn't even know were a problem. I am submitting this request through the CFPB because it is the only effective way to reach the Office of the President. Thank you.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file : 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, credit repair services, or other personal consumer reports

There are five steps to submit your complaint : Step 1 : What is this complaint about? Equifax 's Dispute link doesn't work. I only have that one session to view my report or make corrections and I would have to pay for another report in order to return to the site to see if the link is fixed.

Step 2 : What type of problem are you having? See answer above.

Step 3 : What happened? See answer above Step 4 : What company is this complaint about? Equifax Step 5 : Who are the people involved? Equifax and XXXX XXXX XXXX XXXX as XXXX show I am in collection but have paid off my account. That's what I was going to dispute, the collection.