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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute several unauthorized inquiries on my credit report under the Fair Credit Reporting Act, specifically 15 USC 1681b ( 2 ). These unauthorized inquiries have resulted in significant inconvenience and mental stress, and I request their immediate removal.

The inquiries in question are from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were made without my authorization, and I expect them to be removed promptly. Failure to address this issue may compel me to seek monetary compensation for the distress and inconvenience caused.

Furthermore, I would like to bring to your attention the ongoing lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Equifax. This legal action highlights your responsibility in ensuring that consumer disputes are properly investigated, and that inaccuracies are corrected swiftly. This underscores the importance of removing these unauthorized inquiries from my credit report at your earliest convenience.

Please confirm the removal of these inquiries. You may contact me using the phone number provided above if you require any additional information.

Thank you for your immediate attention to this matter. I look forward to a swift resolution.

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX i received a notification on XXXX  app that a, collection agency Company called DEBT RECOVERY SOLUTIONS Had put A Collections/ Chargeoff on my credit report. I Called On XX/XX/2021 and spoke with a rep and i explained my situation to her, can't remember her name. And she stated that they didn't have a phone number and my entire unit number to my house, thats why i didn't received anything in the mail or a telephone regarding this debt validation. Its not fair to a consumer that they just put stuff on are credit report without having all there information for this debt. This account was paid in full that same day. I Asked them for a pay for deletion and she said they dont use those terms, but she will summit a request for them to delete. i just wan na make sure its comes off my credit report ASAP.
Product: Credit card or prepaid card

On XX/XX/2019, Friday morning, we were charged at {$1200.00} by Capital One for flights to XXXX. 

I found much cheaper flights and tried to cancel the previous ones under their " 24 hours or less rule. '' The first operator said I could since they measure said rule by business days and we were on a Saturday. 

This is were I got greedy in my skills to beat flight algorithms and said I will XXXX it later, now assuming at this point that I had time. 

On a later call with a different operator that evening we were denied. The supervisor got on the line and was going to punish the first operator for doing her job skillfully. 

The way I was treated caused me to have an episode that had rippling effects. I was put in financial strain on top of moving to a new city on my own. Their mistake also caused the hotels, car rental, meals, etc. to increased. 

The $ XXXX that I was going to save turned to - {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure that everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited and received my investigation and notice and everything was still the same on the Account name : XXXX XXXX XXXX Account # XXXX The consumer reporting agency which is Equifax did not modify or remove anything. 

The date open is not correct, date last active is not correct and the date of last payment is not correct, also the amount owed is not correct on all XXXX credit reports. Which is a violation. 

This is impacting me from moving forward to buying a house for my family. 

Equifax has violated my rights.
Product: Credit card or prepaid card

I made a payment on XX/XX/XXXX to my XXXX credit card. Payment was accepted with confirmation XXXX. I never received notice that they didnt get the payment. And I never saw it returned to me. Now I have a payment past due when I did make the payment on XX/XX/XXXX. This will affect my credit because they couldnt process the payment correctly because according to the gentleman I spoke with, this happens all the time. What I dont appreciate is the lack of communication that the payment didnt go through when it was accepted in the first place and then just brushed off with it happens all the time. This affects their customers credit when they cant even process payments for whatever reason they have. I dont like the answer I was given and I want them to remove the past due amount.
Product: Debt collection

Acct : XXXX 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?

Do you have a hardcopy of the original signed documents? ( Not Screenshots ) How did they verify this debt? 
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. I demand the following accounts be verified or deleted immediately.
Product: Credit reporting

I paid the collection account with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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

Starting XXXX of XXXX, I stopped receiving my statements at the business condo address for which the mortgage loan was taken. I went into the bank numerous times, called, emailed and no one could find my account. The contact for my account kept telling me that he was waiting to hear from bank representatives. I used old statements to pay my mortgage so I wouldnt miss a payment. Finally, in XXXX of XXXX. I started receiving my statements at the XXXX XXXX address that its been sent to for 15 years. The only explanation was a computer glitch on a few accounts. I never received my interest paid statement. My contact printed the interest paid on a regular sheet of paper. Now starting XXXX of XXXX, the address on the loan has been changed to my home address. I tried calling the number on the statement and, the customer service number and no one could find my account even with the account number, my address my tax ID or social security number. I spent hours on these calls. I emailed XXXX customer service and the complaint email address for the CEOs and no response. My contact responded over a month ago that he was looking in to it. Im worried that something shady is happening with my identity or account balance. I am paid up on my account and my property taxes. I dont know why my statements are inaccurate and no one can find my account to help me. Thank you
Product: Debt collection

I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they
Product: Credit reporting or other personal consumer reports

I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report. These account are out of the statue of limitation which mean by law they need to come off my credit report : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



Based on my reading I know by law inquiry are only allow to stay on your credit report for 2 years from the day the inquiry was pulled. Which means that all the above accounts need to be removed. I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back to me within 30 days. 



I am also requesting that you send me an updated credit report once your investigation is complete you can send the copy to XXXX XXXX XXXX XXXX, Georgia XXXX Thank you, XXXX XXXX
Product: Debt collection

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 

I have not supplied proof under the doctoring of the estoppel by XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem consist in that the two credit operators XXXX and experian, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
Product: Mortgage

Bayview Loan Servicing is the mortgage company. They have put " forced '' homeowner 's insurance on the loan. Despite the fact that I have provided proof of homeowner 's insurance through XXXX XXXX XXXX XXXX proof was faxed in XXXX to both their insurance and customer service departments ), made a follow up phone call in XXXX XXXX they stated they were " still reviewing '' ), the forced insurance was still on the XXXX invoice, and now I am in receipt of the invoice for the XXXX payment and the forced insurance is still present. This is over {$200.00} in forced insurance fees that should not have to be paid. I sent a letter on XX/XX/XXXX both electronically and via regular mail advising that if the forced insurance was still present on the statement for the XXXX payment a complaint would be filed. The letter also contained, yet again, a copy of the declarations page for the XXXX XXXX policy. Bayview has made no attempt to rectify this or reach out and discuss the matter.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation for XXXX XXXX account # XXXX. XXXX asking that you send your method of investigation, along with all the records of who you spoke with. Their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in XXXX  days update my account to PAID/NEVER LATE and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I received an email from the company XXXX XXXX XXXX. This email stated that my lease and history had been reported to XXXX and TransUnion. On the XXXX my credit report updated, however the information on the credit report entered by the credit bureaus was not even close or similar to the information submitted to them. This is not the first time this has happened so I continued to file a dispute. After doing so my score was hit for XXXXpoints and the previously reported account showed no activity and since has been turned into a negative item on both reports. I have since sent all documents to the bureaus proving my account statuses but they refuse to do anything other than deduct more points for my unwillingness to accept there calculations. I believe these calculations are in fact discrimination toward me individually as my research into the history of credit scoring shows a direct and abnormal calculation in comparison to historical similar scoring models within the same parameters as my account status. For example the company who reported my account reported a high credit of {$35000.00} the credit bureaus report {$0.00} The company reported open account, the bureaus reported closed account. The company reported 2 years for one account and 4 years for the second. The bureaus reported 6 years at {$790.00} split and paid out over 6 years at {$10.00} per month. And on and on the report is so far from the actual facts that I have found myself at odds with my sanity as I literally can not finance a canned soft drink without a cosigner. Upon notifying the bureaus of this are and submitting the documentation from the reporting company to them directly I only receive more points subtracted from my score instead of incorrect reported items. I am to the point that I have no choice but to hire an attorney and seek damages for fraud, discrimination, and unfair reporting practices at biased without benefit of reconciliation. I will include the screen shot of the summary as well as a copy of the reported information from the reporting source
Product: Consumer Loan

Have had a car loan for over XXXX years with US Bank and received a letter from CA DMV that the lien has n't been satisfied and I have an incomplete registration. Have been trying to speak with branch about get the issue corrected and ca n't get anyone to return my call. Have never been notified that there was an issue.
Product: Credit reporting or other personal consumer reports

I was absolutely stunned to see incorrect accounts appear on my credit report today. I check my credit regularly, and everything was fine before, but suddenly, there were discrepancies that I cant explain. I even refreshed my browser, hoping it was an error, but the accounts didnt go away. Im really upset about this and ask that my documents be reviewed properly so I wont have to worry about this happening again.
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed listings for late payments. More than 30 days ago, I sent letters regarding these items, but I have not received a response, and they have not provided me with adequate validation of these supposed late payments. I am kindly asking for your help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX federal 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX
Product: Credit reporting or other personal consumer reports

While studying abroad my identity was compromised and used to open multiple lines of credit at multiple car dealerships and banks throughout the south and central Florida region. I have since contacted the credit furnishers and opened investigations with 2 police departments regarding the identity theft. Aside of the accounts being fraudulently on my report I have also noticed some of the debts not only violate the FCRA but also the laws and guidelines of the IRS. Some of the debts are profit loss charge offs that I've never received a 1099c for and remain on my credit file at full balance after being compensated for losses by the irs
Product: Mortgage

I closed on a condo on Friday, XX/XX/XXXX in XXXX XXXX, TX with my lender as Supreme Lending of XXXX XXXX. On Monday, after closing they claimed they didn't realize the flood insurance they approved did not meet their standards and now they were seeking to fine me for not meeting their flood insurance requirements. My condo board covers 80 % of my flood insurance and they say that XXXX requires 100 % coverage since I am in a flood zone. They had signed off on me taking out an additional flood insurance coverage with XXXX XXXX to cover the other 20 % prior to the closing. Then on Monday they claimed they were told by FEMA they couldn't have 2 flood policies on the same unit. The policy they are claiming by XXXX has been in place for years since Hurricane Harvey. They claim to be sticklers for this policy, so they are well aware of it. I believe they closed on my mortgage knowing they would come back to fine me afterwards under false pretenses. They withheld information from me with the plan to extort more money from me. They also withheld information form me by refusing to contact me directly and only working through the realtor who is a long term business partner of theirs, who did not relay the information to me. They also admitted in XXXX they had the wrong insurance documents and had based their analysis off of the gatehouse in my community and blamed the COA for giving them the wrong document, even though it clearly says Gatehouse on the document. While I was under the impression they were reviewing the mistake with the COA and the COA insurer, they moved forward with sending me a 45 day notice to fix the insurance coverage or be fined by them. This is unethical. Unprofessional and deceitful. 10 other units have sold this year and no other lender has made this claim according to the COA. They are the first lender in the history of this condo regime since the XXXX to make this claim. They are praying on a first time home buyer and who will protect me?