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

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by EQUIFAX regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX and closed. 

EQUIFAX violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00} and Charge Off Amount {$18000.00}. A Charge Off/Close Account must show {$0.00} balance.

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as Charge Off - L in XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; and XX/XX/XXXX year ; Amount Past Due on a Payment history shows XX/XX/XXXX past due {$18000.00} ; amount past due XX/XX/XXXX {$18000.00}. Past due 30 days on XX/XX/XXXX ; past due 60 days on XX/XX/XXXX ; past due 90 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX ; past due 120 days on XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as XXXX reported on my credit report. 

4. Delete this account, because it shows Credit Limit {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my EQUIFAX Credit Report and circled the violations, EQUIFAX violated in red color.

EQUIFAX must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Product: Credit reporting, credit repair services, or other personal consumer reports

To my knowledge and records, the following accounts do not belong to me and/or are fraudulent. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I challenge the accuracy, compliance and reportability of this listing please validate this information with all reporting companies that furnished this undue debt and provide me with copies of any documentation associated with these accounts, bearing my original wet signature. In the absence of any such documentation bearing my wet signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. 
***I do not consent to e-Oscar or any means of automated verification. *** Please block the following information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Please see the attached dispute letter and identification.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Unauthorized inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed XXXX {$390.00} ; XXXX XXXX  XXXX Balance Owed : {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$560.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$170.00} XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX XXXX XXXX XXXX XXXX Owed : {$73.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX NA XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I paid of my balance in full prior to the close of my billing cycle. Per the terms of the credit card agreement there is no fee for balances paid in full. I was charged 2 finance charges while my balance was a credit of {$260.00}. My balance at the close of my billing cycle was less than XXXX dollars. I was charged two finance charges. One for {$16.00} and one for {$4.00}. When I called to have the mistake corrected they said they didn't have the mechanism for removing the finance charge. I spoke to 3 operators including supervisor XXXX XXXX. I was told that the charges were valid despite the XXXX balance which is clearly illogical and impossible. Even XXXX XXXX  interest on XXXX is XXXX.
Product: Student loan

A few days after we made a first and full payment of a parent plus loan we were notified that we qualified for Total XXXX forgiveness. We immediately called up nelnet and they expclitly told us that even though we just paid it off we would be refunded if we qualified. After a few months we contacted them to check status and found out that we did qualify. However, because the account had been closed they were n't able to systematically do a refund and suggest we contact my XXXX XXXX. My XXXX XXXX tried to help but eventually gave up. Nelnet has yet to follow up with us but basically told us they did n't know what to do. The loan amount was around XXXX and we could really use that money back.
Product: Vehicle loan or lease

Upon reviewing my credit report. I discovered Im being reported as 30 days late for XX/XX/2021. My payments are due on the XXXX. So that would mean XX/XX/XXXX is 30 days late. I take my credit very seriously and never missed a 30-day payment and uncharacteristic for me without prior arrangement. I will post receipts for payments made during the time period. Confused by this I contacted the creditor. Instead of correcting the mistake. It was stated I missed XXXX XXXX payment and that they're reporting correctly. According to my credit reports, I was current for the month of XXXX and XXXX I was also under the impression during XXXX since I'd been granted a deferment which i had for the prior months.. No notices were sent out to me saying otherwise as I was on FMLA and sent them proof as well. I'm a frontline worker and been put on leave for health and also bereavement due to covid and also emotional trauma of losing 8 family members from XXXX-XXXX. Both parents and my child had XXXX at the same time in XXXX. My father 's condition was touch and go for a while. This creditor is being unreasonable. Even after the payment arrangements were set up for future payments. As suggested. I was still marked # 0 days late. I disputed it with the bureaus and emailed the CEO. My report is also reporting different balances from my online account balance. My balance should state! XXXX and the wrong month for 30 days late. As a good customer and being affected by XXXX. This is hindering my homebuying process. I've hit a brick wall with them. Attached are some of the obituaries for my family.
Product: Debt collection

Valentine & Kebartas is on a cease and desist and said on complaint XXXX and said " On XX/XX/2022, the account of XXXX XXXX was placed in our office for collection by our client, XXXX XXXX, XXXX. The original creditor is XXXX XXXX Bank. We have complied with the cease and desist request of XXXX XXXX. As a result, there will be no further contact with XXXX XXXX from our organization. '' so no now they are tiring to collect another knowing that the cease and desist is for all debts and also knowing that I am exempt from there debt collection I can sue them for violation of the cease and desist
Product: Debt collection

Sent in several disputes to the collection agency, and the the company. Was sent to their fraud website to fill out info several times and have still not received any info back. I have had it removed before only to continue to have it back on my credit because someone has used my social security number to open the original account and I was told the only way to remove it permanently was to dispute it on their XXXX XXXX fraud website. Which I have yet to recieve any replies.
Product: Credit card

On XX/XX/2017, XXXX XXXX visited ToysRUs at XXXX Mass ( XXXX XXXX XXXX, XXXX, MA XXXX ), the clerk at the checkout counter coerced her into applying the XXXX credit card regardless of her unwillingness. She is a ID Theft victim and her credit files are frozen since last year. The clerk and manager pressured her to apply, stating ( incorrectly ) that it was an internal credit review without involving credit bureaus. 

As a result of this application ( which was immediately declined due to credit freeze ), Her husband had XXXX fraudulent applications with AE Outfitters and TJ Maxx with the same Synchrony Bank ( on XX/XX/2017 ). Both of us ( XXXX/XXXX ) were fraud and ID Theft Victims and ToysRUs disregarded our situation and still forced XXXX to apply that resulted in additional fraudulent offenses with Synchrony Bank. Even though no negative financial impacts occurred due to the credit freeze of XXXX/XXXX. This is the most frustrating and XXXX experiences for both of us. 

We demand an apology from ToysRUs as well as financial compensation for our emotional loss and XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX and XXXX between ( XX/XX/XXXX, XXXX XX/XX/XXXX ) for unauthorized credit inquiries on my consumer credit reports. These inquiries were conducted without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b. 

Details of the Violation XXXX. XXXX : I engaged in a barter transaction with XXXX but received nothing in return. 
XXXX closed the account before the XXXX timeframe, preventing me from verifying approval or conducting further business. 
I did not obtain any financial benefit, no permissible purpose existed for this inquiry. 
XXXX. XXXX, XXXX and XXXX I did not authorize to conduct a credit inquiry. 
I do not have an active credit relationship or open account with these companies Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b Permissible Purpose : These companies had no valid reason to access my credit report.

15 U.S.C. 1681i Accuracy of Consumer Reports : The credit bureaus failed to verify these inquiries properly, leading to inaccurate reporting.

15 U.S.C. 1681n & 1681o Civil Liability : These unauthorized inquiries have negatively impacted my credit profile, and I reserve the right to pursue legal action for damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law.These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reference CFPB # XXXX I did not give permission for CoreLogic or XXXX to pull my credit report on XX/XX/XXXX. They had just pulled my credit on XX/XX/XXXX so why would they another Hard Inquire on my credit report. They have made mistake and I would like it removed ASAP. 

I have attached a screen shot of inquiries with dates and the letter sent from CoreLogic state I provided " verbal '' permission to pull my credit 8 days later ... Where does that make sense at? Please all attachments.
Product: Vehicle loan or lease

I purchased a vehicle that was financed through titanium funds back in XXXX. I had the car for about XXXX week and I could not afford to insure it and i returned the vehicle to the car lot. Titanium funds has been reporting negatively on my credit every single month since XXXX. I am on XXXX and Ive asked several times about forgiveness or what I need to get this off my report and they said that there is no statute of limitations on how long they can report and refuse to give me any kind of assistance in resolving this.
Product: Bank account or service

I opened a bank account with US Bank XX/XX/XXXX. When I opened the account they told me that there is a {$36.00} fee for overdraft, unless I sign up for their credit card. I did n't want another credit card so I agreed. XX/XX/XXXX I received a statement saying I have a balance of {$11.00}. Then I received a letter a week later saying my account over drew by XXXX bucks, and that they were also adding on the {$36.00} overdraft fee. Within 30 days of this notice of overdraft I deposited {$210.00} more then enough to cover the $ XXXX I was at. Apparently they also charge a $ XXXX/week fee above and beyond all previous fees. This was never told to me, I never received XXXX letter saying I was being charged $ XXXX/week fee, and That is a gross overcharge on the beginning amount. I called customer service today to question this and I was told that they sent me a postcard or packet in the mail telling me of these fees they were now allowed to charge, but that it was never a document that needed my signature. How can they add such a fee without my agreeing to that? This is completely unfair practice that before I have seen a XXXX statement I can be charged a total of {$130.00} in fees ; {$100.00} of those that I was never told about. I cancelled my account and will never do business with them again, but I was robbed and it 's not fair that a bank can take take take with no notice. The customer service agent I spoke to on the phone is named XXXX, id # : mhtwigg, I spoke with him at about XXXX on XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 
XXXX XXXX XXXX {$740.00} XXXX XXXX, XXXX   XXXX {$530.00} XXXX/XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax 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 : DEPTEDXXXX XXXX Balance Owed : {$5900.00} DEPTEDXXXX XXXX Balance Owed : {$560.00} DEPTEDXXXX XXXX  Balance Owed : {$5400.00} DEPTEDXXXX XXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXX Balance Owed : {$1100.00} DEPTEDXXXX XXXX Balance Owed : {$3700.00}
Product: Credit reporting or other personal consumer reports

I am in disagreement witht the account listed below which still appears on my credit report, even after your investigation. I would liket this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. 


First Progress # XXXX In accordance to The Fair Credit Reporting Act, Public law XXXX, XXXX VI section XXXX please provide the names and business addresses of each individual with whom you verified above so that I XXXX follow up. Please send me an updated copy of my report after your reinvestigation.
Product: Money transfer, virtual currency, or money service

I got a notification from Paypal stating that a strange transaction was placed on my account XX/XX/2018 for a total of {$210.00}. I did not make a transaction on this date and I am not familiar with the recipient. I contacted Paypal and filed a dispute stating the transaction was not one I authorized. They mailed me back stating that the claim was closed and that this transaction was not found to be suspicious or unauthorized and stated that the transaction would be completed on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

Over the internet I sold property to an unknown individual for USD using PayPal to accept the funds. I have used PayPal before and other online wallets or accounts and understand there sometimes holds or a pending status and felt comfortable of using it. So taking that into account when the unknown individual sent the money I made sure it was in my account but also with no hold or pending status. after feeling comfortable about that and thought the money was mine I sent the property to the individual and had no way of getting it back. about an hour later to my surprise paypal took the money out of my account and sent it back to the buyer claiming it was an unauthorized transaction and they did a " full investigation '' ( within one hour and not one question for me ) I have tried to talk to them with no solution because they wont accept responsibility meanwhile I have a negative balance for months now which is killing my credit score which was perfect before. I will never use paypal again. I can not understand how they can just take your money and send it back at anytime. It was my understanding that money was mine in my account with no hold or pending status. I understand that this was a scam now but the bigger problem is it's going to happen again and again because paypal is facilitating this behavior. So lets just say the account the money was sent from to my account was hacked which is possible but I don't believe it because of the amazing turn around time but lets just say ok that transaction was unauthorized but who should pay for it. ME! no, there has to be some kind of accountability here and I can't account for money unexpectedly coming out of my account any time or any day. But if paypal or any bank or online wallet wants be able to send money back to an account for what ever reason there has to be a status for that money like on hold of pending with a time frame whatever they want it to be whether its a day, month or year. PayPal claims they have fraud protection, that is a joke. I asked about this and was told it was a family and friends transaction which I had no idea. I did not send the money to select that option and did not speak to the buyer about it at all it was a surprise to me. So theirs no fraud protection, just paves the way for fraud. Sounds like XXXX XXXX old ways since there recent admission of guilt that it violated U.S. lawsThe Bank Secrecy Act and anti-fraud statutesby processing hundreds of thousands of transactions for XXXX XXXX agents and others involved in an international consumer fraud scheme and agreed to forfeit {$580.00} XXXX.
Product: Mortgage

Good Afternoon, My mortgage company was initially Ocwen Mortgage who now changed to PHH Mortgage Questions. I own two multi family properties with the same mortgage company and I continue to be charged an additional online payment charge for only one of my homes whenever I make an online payment. I called the Mortgage Company numerous times regarding this additional {$7.00} fee and they stated it is because one of my mortgages was not setup for paperless billing. I signed up both mortgages/homes for paperless billing and have not received a mortgage statement by mail for months, but continue to get charged this fee. Last month I complained again, and was told it would be fixed and I went to pay one of my mortgages again online and was charged this fee which I was promised would be fixed right away. Note I have not received a paper bill in the mails for several months. 

Today, XX/XX/XXXX I made a payment online for one of my mortgages and selected on my own paperless billing. I never received a notice of any sort stating that if I don't enroll in paperless billing I would receive an additional fee for making a payment ON TIME online. On the website it doesn't indicate to enroll in paperless billing to avoid the fee. They have been ripping me off and I'm sure others for months. I know {$7.00} or {$8.00} may not seem like a lot but over the course of several months it starts to add up. This mortgage company has continued to say that they fixed the problem on their end and I would be refunded for the fee and see the change, but that hasn't happened.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Balance Owed : {$7900.00} XXXX XXXX XXXX XXXX Balance Owed : {$7900.00}.