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

I am writing to you today to once again dispute some accounts that appear on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and several fraudulent accounts were opened in my name without my knowledge. I already forwarded the required FTC report to the companies and they have acknowledged that these accounts were fraudulent and have removed them. However, I have noticed that your bureau has continued to report these accounts, even though the other credit bureaus have already removed them. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove these fraudulent accounts, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2024 : I was expecting my direct deposit biweekly pay of {$1400.00}. 
It was posted to my bank account, but the funds were not available. 
I assumed that the only organizations that could garnish the entirety of my paycheck would be XXXX ( Child Support ) or the IRS. 
I suspected child support arrears that were technically owed by me, but forgiven by my children 's mother were garnished, I contacted XXXX and found this was not the case. 
I then suspected that it was the IRS and I had maybe owed taxes and made an error when filing taxes. I contacted IRS and found that it was not the IRS. 
by the time I was able to confirm these were not the source of the garnishment, my next payday rolled around, and yet another entire paycheck was garnished. I am now facing financial trouble, and unable to pay my bills that are due, ( mortgage, phone bill, car insurance ) I contacted the credit union to find out source of garnishment ( should have thought of that to begin with ) I am told it was collected in behalf of XXXX XXXX XXXX By RVOlaw.

I attempt to reach out to RVOlaw in hopes to form payment plan and lift garnishment by phone and by email.

Left a voicemail.

3 business days later, no response at all.

I had to get an advance from my employer and will be facing serious problems if I continue to not receive my pay, and I still have gotten no notice and no response as to these attempts to collect this debt. No mail, no phone calls, nothing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding persistent inaccuracies reported by XXXX XXXX XXXX on my credit report, specifically concerning Account Number XXXX. This marks the third dispute I have initiated regarding this creditor 's reporting inconsistencies, yet the matter remains unresolved. 

Despite multiple disputes and my provision of documented evidence, XXXX XXXX XXXX  has continued to report misleading information to my credit report. It is deeply concerning that Equifax 's investigation process has failed to adequately address these inaccuracies, allowing them to persist unchecked. 

The most recent inaccuracies reported by XXXX XXXX XXXX  are particularly egregious. They have erroneously stated that this account was closed since XXXX, yet their reports indicate current and up-to-date payments made in XX/XX/XXXX, a 30-day late payment in XX/XX/XXXX, and timely payments in XX/XX/XXXX. Such contradictory information raises serious questions about the reliability and integrity of their reporting practices. There is no way that these on time payments and late payments can exist when this account was closed years ago. 

I demand immediate escalation of this matter to ensure a thorough investigation and prompt resolution. This ongoing ordeal has become increasingly frustrating and distressing. I feel as though I am being discriminated against and treated unfairly, as Equifax repeatedly fails to rectify these inaccuracies despite my efforts to provide documented proof of any late payments and adjust all inconsistencies and remove this account from my consumer report. 

Furthermore, I demand documented proof of any late payments attributed to this account, provided to me and before being verified as " Accurate '', as well as the immediate removal of this erroneous account from my credit report. These actions are imperative to uphold the regulations outlined in the Fair Credit Reporting Act ( FCRA ) and to protect my rights as a consumer. 

Failure to address these concerns satisfactorily will leave me with no choice but to explore further avenues to ensure the proper resolution of this matter. Thank you for your prompt attention to this urgent matter. 

Attached is proof of my identity. Proof of inaccurate and inconsistencies being reported to my account. 

I expect a swift and satisfactory resolution to this ongoing dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this account over and over again with both Transunion and XX/XX/XXXX The collection agency has provided me with proof that the account first became delinquent in 2014 and it should come off because it is past the 7 year limit for collections. Please find the attached proof.
Product: Credit reporting or other personal consumer reports

I am not affiliated with the mentioned creditors, and I did not request these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Treatment of inaccurate or unverified viable information. 
( A ) In general if after every investigation under paragraph ( 1 ) Of any information disputed by consumer or item of the information is found to be in accurate or incomplete or can not be verified the consumer reporting agency shall, 1. Probably delete that item of information from the file of the consumer or modify that item of information as appropriate based on the results of the and 2. Promptly notify the furniture of that information of the information has been modified or deleted from the consumers file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX To whom it may concern, I just got my credit report and its wrong I was informed I have the right to have a investigation done. Credit reporting Laws ensure that bureaus report only 100 % credit accurate Every step is taken to assure that the information reported is completely accurate and correct. The following information, Therefore, needs to be reinvestigated please make sure everything pertaining to my credit report is correct. 

Please provide me with the following items : - Payoff Disclosure - Interest Rate Disclosure - Balance History - Payment History - Credit Insurance Validate Accounts : 1. XXXXXXXX XXXX XXXXT : XXXX THIS CONTRACT IS CANCELLED 2. XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELLED 3. XXXX XXXX ACCOUNT : : XXXX, XXXX, XXXX THIS CONTRACT IS CANCELLED 4. XXXX XXXX XXXX ACCOUNT : XXXX  THIS CONTRACT IS CANCELLED 5. XXXX XXXX XXXX : XXXX  THIS CONTRACT IS CANCELED 6. XXXX XXXX XXXX XXXX XXXX XXXX THIS CONTRACT IS CANCELED 7. XXXX XXXX ACCOUNT XXXX THIS CONTRACT DOENSY BELONG TO ME I respectfully ask you to provide some kind of proof of these alleged items specifically the contracts notes or other instrument bearing my signature. 

Additionally please provide name, address, and phone number of each credit grantor other subscriber. 

I also heard under federal law you have 30 days to complete your reinvestigation be advised that the description of the procedure used to determine accuracy and completeness of the information is here by requested as well to be provided within 15 days of the completion of your reinvestigation. 

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

I am writing to formally request the removal of inaccurate information listed in my credit reports. The details regarding my employer, home address, and other personal information, as specified in the attached letter, are incorrect. 

Having this inaccurate information on my credit reports poses a significant risk, making me vulnerable to identity theft. I kindly ask that you investigate this matter and take the necessary steps to correct these inaccuracies as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

the car loan from XXXX XXXX XXXX was paid in full on XXXX. From {$800.00} to the current balance of {$0.00}. 

Loan # XXXX Account # XXXX
Product: Debt collection

I informed XXXX Collection Services and dispute this on my XXXX credit report that this account is not mine. The account was opened by my son without my knowledge. I never opened an account with XXXX XXXX nor did I own a car so there was, no need for me to have car insurance. I had no knowledge of this account until it appeared on my credit report. XXXX Collection Services said that the information was accurate when it definitely is not!! I never have opened an account with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Repeated Charge-Off Reporting XXXX Dear XXXX  XXXX, I hope this letter finds you well. I am writing to dispute the repeated reporting of my account as a charge-off. The account number in question is XXXX, and I noticed that the charge-off status continues to be reported multiple times on my credit report for the same account. 

To clarify, a charge-off is a one-time accounting event that occurs when an account is deemed uncollectible after a period of non-payment. According to credit reporting regulations, once an account is charged off, it should only be reported once as a charge-off. However, it appears that your company has continued to report this charge-off status on a monthly basis, which I believe is an error. 

I respectfully request the following : 1. Clarification of why the charge-off status is being updated monthly on my credit report.

2. Correction of any inaccuracies in reporting, ensuring that the charge-off is reflected only once.

3. Verification of the charge-off and any subsequent reporting to the credit bureaus, to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

If the charge-off is related to a transferred or sold account, I would also appreciate clarification regarding the status of any collection efforts, and whether any updates to the account should be reported differently. 

Please provide me with a written response, including any documentation or clarification that supports your reporting practices. If this reporting issue can not be resolved, I may need to file a formal dispute with the credit bureaus. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

As per 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete or unverifiable must be promptly deleted or corrected by. Failure to adhere to these requirements constitutes a violation of federal law. Equifax has failed to comply with the federal law. 

I conducted five disputes in XXXX  with Equifax on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year> to correct disputed inaccurate information on my credit reports. For the disputes submitted on XX/XX/year> and XX/XX/year>, no report was provided which showed the results and evidence used in the investigation. For the disputes on XX/XX/year> and XX/XX/year>, Equifax did not provide any supporting detail for its investigation and did not respond to the claims provided in the original dispute. I additionally have talked to the companies themselves, which provided information which was not included in the investigation report. 

Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance with legal standards. If Equifax fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFPB and pursue any necessary legal actions to protect my rights. Please respond to this dispute in writing within the legally mandated timeframe. I expect confirmation of any changes made to my credit file.
Product: Student loan

Have been making payments on and off since  XXXX  when funds are available to  XXXX   XXXX  which now is Navient.   Since  XXXX  I have made reoccurring consistent payments to   XXXX    XXXX   XXXX  which is a collector for Navient. Navient claims they do not know who this agency collection is and has no business with them.   My private loans were rehabilitated in  XX/XX/XXXX , however payments are still coming out of my bank account and neither business can explain where this money is going.   Navient claims they do not have my loans and neither does  XXXX   XXXX . NO  ONE  can tell me where in the world my loans are at.   I have been getting non stop harassment phone calls from Navient who have stated they will take me to court and also to jail. Navient has also told me they did not care where I got the money from and basically told me I need to become a  XXXX  to collect money for them.   I have been so scared about this company I am in fear of my life and afraid to even answer the phone Everyone at Navient either ca n't hardly speak English or just screams and THREATENS me.   Navient has also been calling my  XXXX  yr old grandmother and have THREATENED her as well. My grandmother is fearful of this company and what lengths they might go through to hurt her.   Being currently unemployed for the last  1 1/2  years my finances have depleted and I have tried to explain multiple times to Navient that I do not have money to give them and they just repeatedly tell me they do n't care where the money comes from as long as they get paid.   Somehow in the last year  Navient  has told me my loan amount has tripled and how is this possible when I have not taken out any more money and I had reoccurring payments monthly.   I do not know what to do. I would like to do the right thing. BUT, being in fear for my life from being THREATENED MULTIPLE times from the people at Navient I just do not know what to do.   I have reached to a local lawyer who have said he basically can do NOTHING. I am in need of advise and to feel safe once again.
Product: Credit card or prepaid card

I have a Care Credit card through Synchrony Bank that I use for medical purposes only. Copays, ENT appointments, dental appointments & etc. My initial credit limit was {$4000.00} as of last year XXXX when I first opened the account around XXXX. In XXXX of XXXX, Care Credit Synchrony Bank decreased my line of credit by {$500.00}, for no reason. At that time I went from having a {$4000.00} credit limit to a {$3500.00} credit limit and the account was paid down by XXXX. I owed about {$2800.00} at the time of the decrease. Because of that decrease on my credit limit that made my credit utilization go up although I paid it down before the credit limit decrease. About two weeks ago, Care Credit Synchrony Bank took my credit limit down again and this time by {$700.00} and now my credit utilization has went up tremendously to 95 % which made my scores drop. I'd paid the account all the way down to about {$2200.00} but they reported I owe {$2600.00} but that's not correct because I make my payments each month and was making extra payments a few months ago. I feel this is a deceiving tactic because everytime I pay my account down by {$1000.00} or more they turn around and decrease my credit limit for no reason. Unfair business practice.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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

My Amerisave loan account has been erroneously transferred to the Amerisave Bankruptcy Department. I am not in bankruptcy nor have I ever filed for bankruptcy. My mortgage payments to Amerisave have never been late. On several occasion I have respectfully requested that my loan account be removed from the Amerisave Bankruptcy Department and place back in good standing. Amerisave reported my account to the credit agencies causing my credit score to drop over 250 points. 
I have spoken with XXXX, XXXX, XXXX and several others from the Bankruptcy Department and they were unable to restore my account to good standing, nor could they offer any explanation to justify this error. 
My mortgage statement dated XX/XX/XXXX indicates that on XX/XX/XXXX I was charged {$350.00} for Foreclosure Attorney Fees. I AM NOT IN FORECLOSURE OR BANKRUPTCY! 
Please keep in mind that I am never late for a payment and I always pay about {$650.00} extra to be applied to my principal. 
Please Help
Product: Credit reporting or other personal consumer reports

credit report shows loan from XXXX XXXX with balance of {$13000.00} this is not mine this is identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. has violated my rights. XXXX5 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: Debt collection

I am providing this sworn statement for your consideration and I would like for you to please consider these as facts to be truthful and valid. 
XXXX is aware and has proof in the attachments labeled as XXXX XXXX Online Information Services is in violation of several laws and are stated as follows : 15USC1692j ( a ) 15USC1692c ( a ) 15USC1692d ( 2 ) 15USC1692g ( a ) The inaccurate reporting of both my account status and payment status by Online Information Services is causing harm to my credit reputation and financial standing.

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting or other personal consumer reports

I have been fighting back and forth with the three major credit bureaus Experian, XXXX, and XXXX as well as the companies. I have sent in information to them showing I was a victim of identity theft and used other names that are not my full correct name. I have also asked these agencies and companies for verification that the information was actually accurate. According to 1006.34 notice for validation of debts they had 5 days to respond with any kind of validation and they have failed to do so multiple times. So since they are in violation they need to remove them off of my credit report immediately.
Product: Credit card

Citibank has been receiving checks for my credit card account, cashing them, and not applying them to my account. There was a monthly payment being sent to my credit card account through E-Bill from a XXXX XXXX XXXX. These payments were sent on the following dates. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of these dates, only the XX/XX/XXXX and XX/XX/XXXX payments appeared on my account. I did n't realize the payments were missing until I stopped auto paying my account and received a missed payment fee due to the XX/XX/XXXX payment not being applied to my account. In total, 5 payments were missing, and a sixth payment ( XX/XX/XXXX ) was returned. 

Once I contacted CITI, they located the payments, and applied 4 of the 5 to my account. I called again for the 5th, and was told it was applied to the account. The fifth payment was not applied to the account, and I was not reimbursed properly for the interest fees. 

In the time were Citi cashed these checks without applying them to my account, I was paying more than necessary on my bill, and thereby not getting accurate interest in my personal checking account. Additionally, because they did not back date my payments once crediting my account, I was not properly reimbursed the interest I was charged from XX/XX/XXXX onward. I 've had to reach out to Citi Bank multiple times to get this resolved, and this has still not been resolved properly. 

I would like to know what happened to my payments in this time period, why they were cashed by Citi and not returned when they could not find the correct account to credit the payments to, and if they were cashed by Citi, why they did not investigate the payments and credit my accounts until I contacted them multiple times. I also do n't understand how Citi was able to locate the correct account for 2 of the payments, but not payments occurring prior to, in between, and after those check dates. 

I 'd also like the interest I am owed to be calculated and returned to my account, along with the last payment of XXXX dollars missing from this account.