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

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Mortgage

Our escrow account accidentally increased from {$2400.00} to {$4900.00} per month. 
I called Fay Servicing. They claimed our property increased. Please attachment of our property tax increase amount & house insurance, but it does not add up to {$4900.00} per month
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX 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 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

On XX/XX/2017 my attorneys submitted a dispute of this debt on my behalf. At which time NCC Business Services was reporting this debt to XXXX. NCC was not able to validate the debt owed, so the account was deleted. NCC are currently reporting this debt to XXXX and XXXX despite the fact that they can not validate. 
They are in violation of the FCRA. As they continue to report an invalidated debt to the remaining agencies, when they requested the debt be removed from one.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent off a dispute letter to Equifax regarding an inquiry listed on my credit report and I asked that an investigation be done to verify this information being report is 100 % accurate according the FCRA. 

On XXXX XXXX I received a letter back stating that particular inquiry was removed, however, it is still reflecting on my credit report.
Product: Checking or savings account

I deposit a check from a client into my Wells Fargo account, ( which was discovered to be fraud ). I waited for the check to clear. I called Wells Fargo to confirm the check cleared. I was told YES. At that time I sent money via XXXX to pay for furniture pickup for a client, ( which again was part of a fraud scam ). I then called Wells Fargo back to ask AGAIN, are you sure the check cleared because I think Im getting scammed, WF, YES IT CLEARED.,, a few hours later, the money that I CashApp to help my client, was deducted from my account from WF, after they assured me TWICE the check was legit. Now Im out {$3400.00} because the bank that shouldve protected my funds failed to do it!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this second request, is to dispute unauthorized inquiries on my credit report. 
Made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my inquires or accounts listed on FTC report.
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 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance : {$5100.00}, XXXX XXXX XXXX XXXXXXXX XXXX : {$15000.00}, XXXX XXXX XXXX XXXX XXXX : {$24000.00}
Product: Debt collection

XX/XX/XXXX Discovered via brief review of my credit, that a " derogatory account '' appeared on my XXXX Credit Report. The collection firm, " Commonwealth Financial Systems '' displayed {$630.00} medical debt. CFS 's ph. # XXXX and address, XXXX XXXX XXXX XXXX XXXX, PA. XXXX. Immediately I called CFS, spoke with XXXX XXXX and he confirmed debt was from XX/XX/XXXX. A medical debt with an Emergency Room in XXXX. XXXX said he had no further details and quickly added CFS is willing to accept 35 % of for {$410.00} to close the debt. I expressed my concern for not know of this debt nor who they were. I do not recall any calls or letter ( s ) referring to this old debt. I suggested XXXX  do more research and I will do so as well.

XX/XX/XXXX : I contacted XXXX XXXX Hospital, XXXX, Fl. They directed me to XXXX billing. XXXX confirmed I was admitted to the Emergency Room on XX/XX/XXXX, treated and released on XX/XX/XXXX. XXXX confirmed I paid my XXXX {$150.00} co-pay and XXXX paid the remaining balance, {$3200.00}. XXXX suggested I call XXXX for more billing details.

I called XXXX, spoke with XXXX, ( Employee # XXXX ). XXXX   hoped to have a response within one week.

XX/XX/XXXX : XXXX, XXXX, left voice message confirming I paid the {$150.00} Co-pay and has requested archive documents. She also attempted to contact CFS to inform I had Health Insurance in XXXX  but she was unable to reach them.

XX/XX/XXXX I received voice message from XXXX  she needed my approval to Fax selected health records to CFS to display I had Health Coverage.

XX/XX/XXXX XXXX, XXXX, left V message she faxed my E.O.B., ( Explanation of Benefits Payments ), to XXXX XXXX, ( CFS Mgr. ). EOB was itemized with 21 payments totaling {$3200.00} dated XX/XX/XXXX & XX/XX/XXXX. XXXX spoke with XXXX  who stated debt will be removed upon receipt of the EOB..

XX/XX/XXXX I spoke with CFS 's Mgr. XXXX XXXX. He confirmed receipt of the EOB but it now had to be reviewed by another team. He said it should a few days.

XX/XX/XXXX I called CFS asking for XXXX. Spoke with XXXX who stated the review will take a few more days. I expressed my frustration as CFS had the EOB document, full payment confirmation, for more than 10 days. " Please have XXXX  call me ASAP.

XX/XX/XXXX : At this juncture I question if CFS is now operating outside the parameters of the law. 1 ) State of Florida could not confirm CFS 's appropriate licensing. 2 ) It may be considered " Fear tactics '' adding a debt to a consumer 's credit report without confirming contact with the consumer first. 3. ) Now having documented proof of the EOB, direct from the Health Insurance Co, in their hands for over 10 days why has there been further delay to declare this debt paid? This may be considered " harassment ''.

CFPB, Please assist me to resolve this 5 year old issue. I do not know what more I can do..
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off to the CRA To remove personal information that I do not want on my credit report. Any other personal name variation and address variation is inaccurate and need to be removed. My official government issue identification name is XXXX XXXX XXXX, I do not goby any other name. My only address XXXX XXXX XXXX, XXXX, XXXX no other address is mine never lived there. I pay all my utilities at the above address and that address is on my official government identification According to the fair credit reporting act 12USC 1681. I have the right to privacy. Also to according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.

According to 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

I am writing to file a formal complaint against Equifax regarding their handling of my request to remove fraudulent accounts from my credit report, which resulted from my experience as a victim of XXXX XXXX 

I have provided all three major credit bureausXXXX XXXXXXXX, and Equifaxwith the same documentation, which includes proof of my XXXX XXXX  status, in accordance with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ). Both XXXX and XXXX reviewed my documentation, accepted it, and promptly removed the fraudulent accounts from my credit report. 

However, Equifax has refused to take similar action. After submitting my documentation, Equifax responded by stating that more documentation was required, without specifying exactly what was needed. When I contacted them for clarification, I was met with rude and insensitive customer service representatives who failed to provide clear guidance or transparency regarding the results of their investigation. 

This experience has been highly distressing, and I believe Equifax 's actions are inconsistent with their legal obligations under the XXXX and FCRA. I have already provided sufficient documentation, and Equifax is adding unnecessary hardship to an already traumatic situation. Furthermore, their failure to notify me of the results of the investigation is a violation of consumer rights. 

I respectfully request that the Consumer Financial Protection Bureau intervene and compel Equifax to remove the fraudulent accounts from my credit report, as they are required to do under the law, without requiring further documentation. XXXX and XXXX have complied with the same documentation provided, and I ask that Equifax be held to the same standard. 

I also request that Equifax be held accountable for the emotional distress their unprofessional and insensitive handling of my case has caused. Their refusal to follow proper procedures has delayed my ability to move forward from my experience as a XXXX survivor.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX XXXX XXXX XXXX Bridgecrest Subject : Demand for Immediate Removal of Inaccurate Repossession Information Under FCRA Violations and Failure to Validate Debt To Whom It XXXX Concern, I am writing to formally demand the immediate removal of the repossession notation on my consumer credit report related to [ XXXXXXXX XXXX XXXX Despite my prior complaint to the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>, your company has failed to provide adequate verification under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws.

Violations Cited : 1. Failure to Provide Debt Validation ( 809 of the FDCPA ) : I requested validation of the alleged debt and a copy of the original contract with my wet ink signature. To date, you have not provided this documentation, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, you have no legal basis to report or collect this debt.

2. Permissible Purpose Violation ( 604 of the FCRA ) : You are required to have a permissible purpose to furnish negative information to my consumer report. I have yet to see any documentation proving that you had my consent or any legitimate purpose to report this repossession. Furnishing information without a permissible purpose is a direct violation of the FCRA.

3. Accuracy and Completeness of Information ( 611 of the FCRA ) : Credit furnishers are legally obligated to ensure the accuracy and completeness of reported information. Your failure to provide the original signed contract raises serious concerns about the accuracy of this repossession entry.

Legal Consequences of Non-Compliance : You are hereby on notice that if you do not remove the inaccurate repossession entry within 15 days of receiving this letter, I will pursue the following actions : 1. File a formal complaint with the CFPB, Federal Trade Commission ( FTC ), and my State Attorney Generals office regarding your FCRA and FDCPA violations.

2. Seek legal action for damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, which provide for actual damages, statutory damages, punitive damages, and attorneys fees for willful and negligent non-compliance with the FCRA.

This letter serves as an official demand for the immediate removal of the repossession from all credit reporting agencies. Failure to comply will result in swift legal action. 

Please send all correspondence and confirmation of deletion to the address listed above.
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. 
The name of the original creditor to whom the debt was owed. 
A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. 
Proof of your authorization to collect on behalf of the original creditor. 
A breakdown of any additional fees or interest that have been added to the debt since its origination. 
Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report.

I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied.

Thank you for your prompt attention to this matter. I look forward to your response within the 30-day period, as required by law. 

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

These inquiries show as deleted on the Equifax letter and still remains on my credit report. I was told by Equifax it was removed but nothing has changed. I have documents from Equifax that shows deleted but they are still on my credit report. Here are the inquiries XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove from my credit report.
Product: Credit reporting

XXXX, XXXX, XXXX GA XXXX reported a Debt collection was reported to EQUIFAX on XX/XX/XXXX from a first Delinquency date of XX/XX/XXXX for a debt of {$280.00} from a Rental/Leasing Client XXXX. My response to EQUIFAX was that this was beyond the XXXX Of XXXX statue of limits for notification of debt and wanted it removed from the credit report. EQUIFAX report back that this does belong to me and left it on the report.
Product: Credit reporting or other personal consumer reports

I have been sending out letters every month to get my credit fixed and remove all negative items that are on there and make them right and I do not hear back from all 3 credit bureus
Product: Student loan

I began an income-driven repayment payment plan with NAVIENT 4 months ago and they gave me 2 separate accounts with the same account number. I send 2 separate money orders each month with 2 separate payment stubs. Every month I receive a bill stating that one account is current and the other is late and I am being charged late fees. I have called NAVIENT and faxed copies of proof of payment ... to no avail. I explained that I was not going to continue to keep sending them payments when they couldn't account for them and they advised against it. This is utterly ridiculous. I need outside assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

New account fraud : Fraudulent use of my identity ( SSN, birth date, phone number ) to apply for installment loan at XXXX XXXX. Application was made online on XX/XX/XXXX and credit inquiry was run via XXXX on the same date. Identity verification was performed via phone call on XX/XX/XXXX. I was notified of this fraudulent activity by my service provider, XXXX XXXX. I contacted XXXX from XXXX on XX/XX/XXXX, reported as fraud and XXXX said they would remove from bureau. Application for new account was removed by XXXX after fraud report.
Product: Checking or savings account

On XX/XX/2021, I was informed by the Chime bank that they have decided to close my account and this was their message : " After a recent review, your account was found to be not in compliance with Chime 's internal policies and your account agreement. Your account has been closed by Chime and is not eligible for a refund ''. I had an estimated balance of {$2000.00} in my account and it's been more than 100 days since the account closure notice and I have not received my balance after my account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  charged account off and is still reporting account as late and passed due which is an FCRA violation. They wrote debt off for tax purposes without providing proper documentation to me. When an account is charged off it must not report a PAST DUE amount nor report monthly as CO which they are currently doing. Ive submitted numerous investigations to the bureaus and notified the company of their violations. 

This account couldnt been verified or investigated properly because its not even being reported correctly. Another federal violation.
Product: Mortgage

We just refinanced with amerisave. They lost my first payment. I had to keep calling to see if they could find it, they never did. Finally on the last day before the payment would be late, I had to pay over the phone. Then I had to go to my bank and cancel the check. For my second payment I didnt get the bill until the day before it was due. I sent the check in right away and they still havent cashed it yet. I have made numerous calls to the company without a reasonable solution. They asked that I submit payments online, but when I tried to sign up for the online portal- the program could not locate my account information. The person whom I called about it said they would fix it and get back to me but no one ever did. I am very unhappy with this company and am nervous about my payments not being processed accurately.
Product: Mortgage

In XXXXXXXX XXXX XXXX Freedom Mortgage stopped accepting payments. First they randomly decided that the primary on the account died, despite being very much alive. Now they have invented a bankruptcy to block payments and tie us up on the phone with promises of resolution within " 5 - 7 days '' yet it is now in the end of XX/XX/XXXX and they still give the same runnaround on the phone refusing to take payment. It has become increasingly obvious that they are trying to defraud my family of their home through delay tactics and smoke screens. Everyone is friendly on the phone but completely incapable of removing the problems they created, never have I encountered a debt collector that is so allergic to money.
Product: Credit card or prepaid card

I have been traveling with my job since XX/XX/XXXX. Last week, I received noticed from my credit card monitoring program that my card has been closed. I never recieved any notifications before this point. I have been a card member since XX/XX/2013, with this company and I never paid late or went over my credit limit. Back in XX/XX/XXXX I lost my job and was searching for work for several months. I loss my job do to technology replacing people. During this time I to use my credit cards to make it through this transition. Never paid any thing late. Now my balances are pretty high on some cards which I will be paying them all off here in the next month. I have sold my house. My problem is I am going to get a new mortgage. Now I have to explain this to my lender for my new mortgage plus this also lowered my credit score. Just a single mother trying to make it in this unfair world we live in. Funny how the middle class keeps getting penalize for something that isnt their fault. These huge financial institutions shouldnt be able to do this to us. I mean I had no advance notice this is was going to happen. Plus, I just received my new card from XXXX XXXX XXXX through the mail. Never received the letter they are telling me about.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 60 day mark and confirmation shows they have received my dispute over 60+ days ago, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Student loan

I have called 3 separate times to set up Income Based Repayment plans. each time I'm told they will send the required paperwork and then it never comes. After 3 unsuccessful attempts to receive the info I finally did get paperwork. I filled out required forms submitted them and received confermation that I qualify for the {$0.00} a month repayment plan and that any money I pay a month will be applied to the principal. within a week of receiving this info the company proceeded to send me a bill for the old payment of {$120.00} per month. I made a few months payments thinking that the money would be applied to the principal when I saw that is was not I stopped making the payment. they are now threatening to send me to a collection agency and bang my credit score. I should not have to call for a 4th time and spend 40 min waiting on the line only to get a rep who will lie to me yet again saying things will be taken care of. There is a class action lawsuit against this company for doing the same thing to numerous clients. I was willing to make payments of {$50.00} a month and was told that I have to pay the full amount they request unless I qualified for the income based repayment. so I did and I qualified and I'm still getting these bills and threatening letters.