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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding Equifaxs failure to respond to my request for verification letter on two accounts that I do not recognize sent on XX/XX/year>, and my subsequent demand-to-comply letter, sent on XX/XX/year>. Both letters were sent via certified mail and I have confirmed they were received by Equifax. 

The initial dispute letter requested verification of certain accounts listed on my credit report. As mandated under the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and respond within 30 days of receiving a dispute. Despite providing sufficient time and a second letter reminding Equifax of their obligations, I have not received any results or acknowledgment of my requests. 

This lack of response has caused unnecessary stress and inconvenience, as I am unable to obtain accurate information regarding my credit report. Equifaxs inaction constitutes non-compliance with FCRA regulations, and I am seeking your assistance in ensuring they fulfill their legal obligations. 

Equifax 's failure to act on my dispute violates the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : Failure to Investigate ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) : Under the FCRA, credit reporting agencies ( CRAs ) like Equifax must investigate disputes regarding the accuracy of information on a consumer 's credit report. They are required to complete this investigation within 30 days ( 45 days if additional information is provided by the consumer ) of receiving the dispute.

Failure to Notify Data Furnishers ( 15 U.S.C. 1681i ( a ) ( 2 ) ) : CRAs must notify the furnisher of the disputed information within 5 business days of receiving a dispute from a consumer.

Failure to Provide Results of the Investigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ) : After completing the investigation, the CRA must notify the consumer of the results within 5 business days and provide a revised credit report if the information is found to be inaccurate.

By not responding to your dispute within the legally mandated timeframe, Equifax is in violation of these provisions. Their non-compliance deprives me of my rights under the FCRA to ensure the accuracy and completeness of your credit report. This inaction can also expose them to liability under 15 U.S.C. 1681n ( willful noncompliance ) or 15 U.S.C. 1681o ( negligent noncompliance ), which could result in statutory damages, actual damages, and reimbursement of legal costs, should I choose to pursue further action.

I am demanding that they : Remove the following accounts in accordance with law immediately.

Address their failure to meet the FCRA deadlines and take corrective measures to prevent future non-compliance.

Please find attached copies of my dispute letter, and the demand-to-comply letter. I have also filed FTC Identity Theft Affidavits that include these two accounts. I appreciate your attention to this matter and look forward to your assistance in resolving this issue. 

Sincerely, XXXX XXXX XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Account was opened XX/XX/2012 account to all 3 Credit Bureaus in the amount of {$330.00} This should have never even been sold to a collection agency as the original merchandise was brought back as requested to avoid all of this bs. Debt is not even valid ; and I formally request that this is removed and closed from my credit report. Kay has also failed to remove this per the attached notification. This has been on here for no reason, for far to long, I would appreciate that the company removes this immediately.

Tried previously to get this taken care of // Need to get this removed after all this time. XXXX
Product: Mortgage

Nationstar performed on the XX/XX/XXXX an escrow analysis, their analysis was wrong done, it assumed on the XX/XX/XXXX that the escrow balance was at {$1600.00} but that was clearly incorrect, as of the uploaded document will show, there was a payment made on the XX/XX/XXXX with {$1200.00} paid to escrow, making the escrow total at {$2800.00} and not as their XX/XX/XXXX escrow analysis shows. Based on their intentional or not miscalculation it now puts our account on shortage status of {$820.00}. 

Nationstar new analysis has a minimum of {$2400.00} requirement for XXXX, wrongly calculated, when the escrow balance at the time of the analysis was {$2800.00}, and in that scenario a cheque of {$440.00} would have been sent out instead. We believe that this was intentionally not analyzed per well defined rules that regulates loans with escrows so that a cheque would have to have been sent out. 

Provided statements of payments shows a XX/XX/XXXX escrow payment that was left out of the latest analysis and the XX/XX/XXXX mortgage statement correctly shows escrow an amount of {$2800.00} as of XX/XX/XXXX when the supposedly analysis was done.
Product: Student loan

I have contacted Navient several times and they will NOT honor the postponed due dates as noted in the email. They are confusing the one month deferment provided to all customers and rate reduction program I was in. They will not current the problem. They are misrepresenting what they should be honoring.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN THIS DOES BELONG TO ME. I NEED HELP TO GET THIS REMOVED FROM MY CREDIT. I NEED HELP. THEY ARE BOTHERING ME, THEY DONT STOP CALLING WHEN I SAY STOP XXXX  XXXX  Reported : XX/XX/XXXX {$700.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX {$180.00} XXXX  Reported : XX/XX/XXXX XXXX XXXX Reported : XX/XX/XXXX {$1200.00}
Product: Mortgage

On XX/XX/2021 escrow closed on my refinance. My former loan company, Flagstar, is holding over {$6000.00} of my money from an escrow account. I have contacted them several times. I was told I had to wait 20 BUSINESS DAYS. That period of time has well passed and I contacted them again. I was told I'd have to wait another 15 BUSINESS DAYS for them to " reissue a check ''. It has now been 36 days and I still have not received my funds.
Product: Debt collection

In XXXX of XXXX I moved out of my apartment complex ( XXXX XXXX ) in XXXX, XXXX to XXXX XXXX. At the time when I moved out XXXX   XXXX management said I was paid up. 2-3 weeks later I got a {$220.00} bill owed to XXXX  XXXX. I mailed them a check in XXXX XXXX for that amount. 
XXXX XXXX has changed ownership several times. 
In XXXX I got several calls from Genesis Credit Management attempting to collect the {$220.00}. I emailed them a copy of the front and back of the check showing that it had cleared my bank account. They accepted my evidence and said thank you. 

XX/XX/XXXX-XX/XX/XXXX Genesis is calling me again for the same reason!! I talked to XXXX the manager and he admitted they still hadn't received a response from XXXX XXXX about the payment. Then why do you keep calling me!? I asked. I've proven my side of things. 

They are harassing me for something I already paid and it needs to STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested covid-19 assistance from my mortgage company since I am a XXXX XXXX and was experiencing a significant reduction of hours. I am now on a 3 month unpaid leave. They were able to give me a 3 month forbearance. However, 2 days after they reported to the credit bureau I was notified that my score had decreased by over 70 points. I requested a copy of my credit report and while my payment status was reported as current, I had a negative remark of FOR indicating forbearance. This was the only change on my report. I notified my mortgage company since the Cares Act specifies there should be no negative impact to credit scores resulting from utilizing these provisions intended to help those impacted. I have not had any response from them thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I was scammed a few years ago by someone online. It really hurt me mentally and financially. I actually went into a heavy XXXX. I was scammed by someone online in a gift card scam. The XXXX XXXX credit card was used for this scam. I am unable to access the account anymore. The company should still have my data and be able to see all my purchases. They are gift cards that I would have never bought for myself or anyone else. I was fooled and scammed into buying them. I am admitting that I was the one who bought those cards, but they were not used by me. I was a puppet for that person. He tricked me into buying those cards for him and he redeemed all of them digitally. I think they were XXXX  cards. It's been a few years, so I don't remember which company gift cards and the exact dates I got them. The bank statements should show those purchases and I might also have some useful pics, but not a guarantee to find them. 

I tried to talk with the bankers and told them about what happened. They said they will investigate and get back to me on it. No one got back to me and it's been over a year now! 

This has been hurting my credit score every month for so long. It's stopping me from being approved for a lot of things because my credit barely goes up. 

I will really appreciate it if you guys can help me with this, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX account for months. Experian  and XXXX reported this error.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX There are several names and name variations on my consumer file and addresses as well. I dont give XXXX permission to report anything other that what I have stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries I did not authorize. The dealerships decided to submit my loan deal through banks I asked them not to contact. Dispute Summary All items you identified for dispute are listed on this summary page. Please review your selections. Once you have finalized your selections, please click on the submit button below to initiate the dispute process. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX, XXXX - XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX, XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XX/XX/17, XX/XX/17 I did not authorize this inquiry. Inquiries XXXX XXXX XXXX XXXX XX/XX/17, XX/XX/17, XX/XX/17 I did not authorize this inquiry.
Product: Credit card or prepaid card

I can not cancel a gym membership and I am being charged
Product: Credit reporting or other personal consumer reports

Experian continues to not verify these accounts and providing evidence of the methods of verification that were used. 

Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion and XXXX are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate : XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

This is an unauthorized and fraudulent account which was opened without my consent as I never gave permission for this to be opened under my name. I did not authorize to use my information or to be given to a third party. My personal info had been breached and was fraudulently used to process transactions and open an account under my name without my consent. I did not agree to any membership, loan or credit card. I never gave authority to open such account. Please remove this account from my credit report, all of the inquiries, and block them from placing these unauthorized account on my credit. I am a victim of fraud and theft.
Product: Student loan

AidVantage put both of my old loans from my undergrad education from XXXX on in school deferment, without my consent ; additionally, they never notified me that they did this, and when I noticed interest was accruing, I asked them three times why, and they never told me that they had not put me on a SAVE plan or contradicted my assertions that I was on one.

On the SAVE plan, I am a few qualifying payments away from having one of my loans completely forgiven. 
If being placed on this " student deferment '' affects this at all, I am going to be extremely upset, in addition to the interest that they have refused to waive.
Product: Debt collection

I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! )
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they reporting right or wrong I am saying that I am not XXXX percent sure if they are. I also read something called the fair credit reporting act were it said I have the right to challenge anything I am not sure is accurate. Are you familiar with something called 15 U.S.C section 168i ( a )? I heard that if you cant not provide proof these accounts must be deleted if they are XXXX percent right and correct. So could you please check on this and get back to me? I saw on a credit site and board where this lawyer said you have 30 days to complete this investigation please investigate the following account and remove them if anything is missing or not correct on them. In accordance with the fair credit reporting act in accordance with the fair credit 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: Student loan

Hi, I made several payments on my XXXX XXXX Consolidated loans from XXXX. I was also in the XXXX XXXX XXXX plan. I reached out to both XXXX and Nelnet and requested my payment history. I was told from XXXX and Department of education to reach out to Nelnet since they were my previous server to obtain my payment history which payments were made through XXXX XXXX  which is now closed. Nelnet send a letter stating I had made no payments which was totally incorrect. Attached is proof of some of the payments that I made on my student loans being deducted out of my account. I uploaded these documents to Nelnet as well and they are still saying I didnt make any payments.
Product: Debt collection

I am in the process of buying a home. My lender pulled credit on XX/XX/2022 at the start of the loan process. My credit score was over XXXX. I was approved for the loan, and 7 day prior to closing the lender does a 2nd credit check to make sure no new debt has been issued or applied for. When they pulled my credit my score had dropped over 100 pts. Come to find out XXXX XXXX XXXX had put a collection on my credit reports in behalf of XXXX XXXX XXXX. After further investigation through conversations with XXXX XXXX XXXX I found out that someone had used my social to open a cell phone account with XXXX XXXX XXXX using a different address, a different email address, and a different phone number. I had no idea this took place and still don't understand how that happened let alone how XXXX XXXX XXXX allowed it because I have had an active account with them for years in good standing. They already had all my information. 

After speaking with the XXXX XXXX XXXX representative they said I would need to get with Credence Resource Management because they were the ones reporting on my credit report. I contacted them and they verified that I never received any information about the account because they were sending to different address, with a different email, and different phone. I never received any Dunning letter, or was ever notified that this Fraudulent account existed.

Explaining that I needed to close on this house this week, they said they would have me a letter within 24 hours. When I didn't receive it and called back they told me it could take up to 48 hours. Then today they are telling me 2 weeks.

Here is my problem... I have a {$100000.00} in escrow at risk if I don't close on this loan on time. All my contingency time periods have passed. Because this is a conventional loan my interest rate went from a 6.25 % to 8.125 % This mistake an unwillingness to act is going to be very expensive because I will not be able to refinance out of that rate for 12 months.

I can choose to not close and lose my earnest money of {$100000.00} or take the higher rate at a cost of just under {$5000.00} over the 12 months
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX