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

Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( XXXX ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : Accounts that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Product: Debt collection

Continue to report inaccurate information on consumer report. Continue to violate my rights as the consumer! Continue to violate the fcra, Continue to report unverified detrimental information on consumer report
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. 

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, has violated my rights. 

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

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

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

I asked Experian Credit Bureau to complete a verification on the accounts below that are on my credit report. They told me they completed the verification, and everything was accurate, however I completed a thorough research myself and found improper inaccuracies on my credit report even after they completed their research. 
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

In the attachments you will see : Dispute Letter sent to Experian via Certified Mail on XX/XX/2022. 

Copy of the Certified Mail Receipt Credit Report from XX/XX/2022 Experian Credit Report o The accounts in question and inaccuracies are highlighted Updated Credit Report from XX/XX/2022 o The credit bureau stated my accounts were verified, but the inaccuracies are still present. The accounts in question and inaccuracies are highlighted
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, US DEPT ED Account # XXXX, US DEPT ED Account # XXXX, USDOE/XXXX  Account # XXXX, USDOE/XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX business type Finance other than personal, XXXX business type Banks and XXXX XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for Autograph credit card with Wells Fargo. Ive been their customer since 2016 but they still asked to verify my Id by Mail of Fax. They wouldnt verify identity by email. On XX/XX/XXXX I sent XXXX bank statements and copy of DL by Fax to XXXX. They never received it and never checked on me to see whats happening with my application. I demand to verify my identity through app or email or compensate me hard credit check. My application number is XXXX. I regret opening credit card with them!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

FREEDOM MTG Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Consumer Loan

I had 2 loans with a company called XXXX XXXX in XXXX Nc. I paid my loans off. AFTER my loans were paid. XXXX sold the company, ( not my loans the entire company ) to a company by the name of mariner finance. Now mariner finance is reporting to the credit bureaus that I have 3 unpaid loans and I owe them money. After disputing this on my credit report 2 where somewhat fixed but a third still remained. So I disputed it again only to have them remove the 2 paid loans and leave an unpaid loan. I have proof that I paid the first 2 but not to mariner bc I paid it to XXXX XXXX before the company was sold. I have nothing with the name mariner finance on it bc I have never done business with these people. all account numbers were changed after the company was sold. So the account numbers I have do n't match. Furthermore they claim there were 3 loans and I only had 2. How can I provide proof the loan never existed, if it never existed? Upon contacting mariner finance I was told they would settle the loan for {$700.00}. But I do n't owe them money! I feel like they holding me hostage with my personal info they bought from another company. This is not right and these bullies should be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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 XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : 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: Student loan

We had loans originated through XXXX ( XXXX  XXXX XXXX XXXX ) in XXXX & XXXX. They were transferred to ACS Education Services, and were subsequently transferred to XXXX XXXX XXXX. During the transition period, we were making payments to ACS. ACS stopped answering the phone, and their website no longer works ( which is not much of a change when they were in business ). Our loans are now serviced by XXXX, and from XXXX to ACS to XXXX we have been making regular monthly payments on the same loan through multiple servicers, and at one point had to make payments to both XXXX and ACS, ACS was supposed to send a refund, they did very late, and we have recently found the checks they sent us. They don't answer the phone, the website tells us to speak to our current servicer ( not their issue ), the bank won't take the checks for deposit, and letters written to their address ( XXXX XXXX XXXXXXXX, XXXX, NY XXXX ) are not responded to. I would like the checks reissued, and I would like a final statement of payments, credits for interest and principal, and a starting and final balance for the times they were servicing our account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I bought a Desktop computer from XXXX XXXX through XXXX  for {$1200.00}. The only option I was given during online checkout was their Special Financing. The plan said I had until XX/XX/XXXX to pay off the debt before the interest on the Special Purchase kicked in. I didn't want to do the special financing but there was no other option at XXXX checkout. Regardless, I thought I had paid off the debt in full because of these transactions : XX/XX/XXXX {$200.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$330.00} and XX/XX/XXXX {$200.00}. These payments were more than sufficient to cover the special finance and pay off the debt. In XXXX 's TOS it says that they must allocate the money if more than the minimum payment due to the most expensive purchase. There is no way for me, the customer, to allocate funds. You have three options when you go to pay off your credit : pay the full amount of your account, pay the minimum of your account, or other. There is no way for me to allocate said funds. That is XXXX 's responsibility. They did not allocate any of these payments to the special finance plan and come XXXX I am being told not only do I owe 28 % API on the purchase, I also owe {$1000.00}. They are acting as if I didn't pay it at all. It is pure stealing and fraud. I have spoken to numerous people through Synchrony Bank ( over the phone dates XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX as well as their virtual chat ) and I was told this would be fixed. But today I got a letter saying that if it was 60 days past the date of the transaction, they didn't have to do anything. If I can not allocate my own funds and it is up to them to do so, this is gross negligence if not out right fraud on their part. They also sent me a form to fill out on the XXXX and then immediately 24 hours later sent me another email telling me there was nothing they were going to do without having my written statement.
Product: Credit reporting or other personal consumer reports

Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have tried multiple times to have XXXX, Experian and XXXX change information that is incorrect on my report only to have them resubmit the same false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX regarding student loan company XXXX/XXXX falsely reporting payments being made to them. The last payment made to XXXX/XXXX was in XX/XX/XXXX as documented on their website ( see attached ) however they reported to Equifax that I made payments every month from XX/XX/XXXX- XX/XX/XXXX ( see attached ) ** note in the complaint I submitted to your agency ( XXXX ) against XXXX and the same student loan company they only reported me having made 4 payments in the same time frame so they are reporting different information to different credit bureaus** I believe they are doing this in an attempt to keep it on my credit report longer. Given that the last payment was made to them in XX/XX/XXXX that would make the date of first delinquency XX/XX/XXXX NOT XX/XX/XXXX as they are reporting which means we are now at the 7 year statute of limitations and this should be removed from my credit report. Equifax has failed to update/remove inaccurate information from my credit report. Furthermore, Equifax has allowed this loan to be reported a second time on my credit report under XXXX with the same account number ( see attached )
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Equifax actions may also violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). I request that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigations.
Product: Consumer Loan

XXXX/XXXX/2015 - Terminated my lease early because I was eligible under the " Pull-Ahead '' program and entered into a new lease. Part of the program was that I do n't have to pay remaining payments, early termination fees, or other fees and taxes. 
XXXX/XXXX/2015 - Received alert from credit bureau that I have defaulted on my auto loan for the terminated lease. I called Hyundai Finance right away and the credit issue has been taken care off. I was told that I was processed incorrectly for the " pull-ahead program '' but that account review is a manual process and it typically takes 30-60 days, and I will hear from them. 
Five ( 5 ) more calls later and after speaking with many individuals in the same department : I have not yet received an update ; the " marketing department '' has to approve it ; there is nobody they can transfer me to or provide contact information for so that I can contact directly ; they will email " the people '' and see " what the hold-up is ''. I have also sent them a certified letter requesting resolution. No response and no update. It has been 4 months since I found out there was an issue. They did move rather swiftly to inaccurately report to the credit bureaus! If they could apply that speed to their customer service and their " recovery '' department. I have also been saddled with excessive wear and tear on a vehicle below mileage limit with not even a scratch or ding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and there are inquiries on my credit that are not mine. Please remove these off my report as they are not mine. XXXX 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: Debt collection

XX/XX/year>, I reviewed my XXXX consumer report and noticed an unauthorized debt collection company called DIVERSIFIED RECOVERY BUREAU LLC did a soft pull on my consumer report on XX/XX/year>. I never did business with this company and did not notice this company 's attempt to contact me until today XX/XX/year>, because my had automatically marked their number as " Spam '' considering that I had received 10 phone calls over the past few weeks from their " XXXX '' number, so I returned their call out of curiosity at XXXX CT. The guy picked up the call and ask for my name and information and stated that they are a collection company collecting on behalf of a " debt buyer '' called XXXX ' and stated that they were attempting to collect before they sent the alleged debt to an attorney for review and consideration of legal action " in case I gave them a hard time ''. As the fellow stated. I then began to ask a few questions as to the original creditor, and rather the debt was sold or assigned. The fellow responded, and after his response I told him I will send a notice of debt validation to their company for further information and assessment because I was unsure of the account. I then stated for the person to " Cease and Desist '' calling and all collection activity until the alleged debt had been properly validated. Being pushy, he refused and stated that " We could talk now. '' I then told him that I was busy, and I was just trying to see who was calling briefly. '' As I attempted to hang up the phone the debt collector continued and insisted on telling me about more information regarding the account such as " I know you opened up this account on this date. ", and " I know you did this thing on this date. '' ( Example ). I then stopped and told him, " According to the FDCPA section 1692c ( c ) communications, if a consumer tells you to cease and desist, you are to cease promptly until notice is received to your agency within the amount of time allowed by law. '' and I told him that it was a violation of the FDCPA to continue to force the conversation after I told him to cease communication. The debt collector denied me as I attempted to correct him and proceeded to go on about the account stating more information I did not understand about the account. I am fully aware that the debt collector attempted to intimidate and coerce me into paying them immediately after I told the collection agency to cease and desist so that I could send them a letter of debt validation and implied twice that they may attempt to sue. This is behavior is in fact abusive, deceptive, and unfair and this company did not have permissible purpose to obtain my consumer report considering that they did not own the account but was assigned to the alleged debt by a " debt buyer '' before actually confirming that the debt belonged to me.
Product: Checking or savings account

I had over XXXX deposited in a Wells Fargo account. That money disappeared so fast with overdraft fees and a negative balance. I do not believe the money was all spent in consuming thing but by the bank stealing money that I didn't owe.