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

On XXXX, XXXXXXXX XXXX I called Equifax to get information about a dispute that I submitted to them on XX/XX/2022 via mail. Records show that Equifax received my dispute letters on XX/XX/2022 ( USPS Tracking : XXXX ) but as I spoke to the Equifax representative, XXXX, she informed me that my disputes had not been looked into nor were they even documented. 

Per records on my Equifax online portal, the disputes were closed and opened within two days. I also received notifications that the information was updated on my credit report and confirmed by a credit monitoring company that I use. As I explained this to XXXX she assured me that there was no history of any documents or any disputes being opened or closed. 

As a consumer, this frightens me simply because I have been trying to remove these accounts from my report for over a year. This leads me to believe that they have never truly confirmed any information regarding these accounts. 

XXXX has already filed a complaint internally with Equifax ( Complaint # : XXXX ) but that is not enough. I demand that action be taken for the lack of professionalism by a company that is supposed to be looking out for the consumer. Please see attached screenshot in regards to the matter, along with copies of the letters that were sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not notified of investigation status or results, there is so many things that are not being reported accurate and some are also outdated. I have been contacting the bureaus since XX/XX/2022 and they just fail to respond or do anything about my situation, I am frustrated and need some help getting them to report ONLY accurate info on my credit. This last time its been over 30 days almost 45 days and no response. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
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 the 15 USC 1681 Account name : XXXX Account XXXX XXXX Amount : {$540.00} Account name : XXXX XXXX XXXX Account XXXX XXXX Amount : {$890.00} 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the beginning of XX/XX/2021, my XXXX XXXX XXXX XXXX XXXX ( XXXX ) credit card was reported to XXXX  inaccurately indicating 30 days late with {$140.00} outstanding balance. 

I contacted XXXX and they denied that action, stating I did not have a late amount due, have not been late so there was " nothing for them to report ''. Days later, after many phone calls, emails, and going into the credit union, they finally realized the mistake they made in reporting me to the credit bureau. 

Without an apology they said they would fix it only after I created a dispute through XXXX, which I did. After asking three different XXXX XXXX XXXX for documentation of my good payment standing, I received a letter showing payment history ( attached ) and was advised they could no longer help me. 

On XX/XX/XXXX, XXXX responded to the XXXX  dispute. As per XXXX, XXXX stated the late payment reported for XX/XX/2021 was accurate and it remains.
Product: Credit card

On XX/XX/XXXX I got a email from Synochrony/Amazon saying the were going to close my account if I didn't use it. So I did and paid it off. 
On XX/XX/XXXX I got a notice of a fraud alert from Syn/Amazon regarding a {$100.00} digital gift card they say I requested. I notified them I did not. 
They charged me for it anyway, I have disputed it every six week at least since then and am always told it would be investigated. Then I get a notice saying they investgated and I did get one and it was sent to my address. I ask what address and they say they can't tell me that, it was digital. I say what email address, where was it used, they say they can't tell me that. 
In XX/XX/XXXX the refunded me {$82.00} via check and I thought it was finally resolved. Then immediately I get another bill with a different account number charging me again. Then last fees, then threats. I have spent hours and hours trying to resolve this and even after refunding the money I am being threatened still. I have made a payment again just to try to save my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXXXXXX XXXX XXXX XXXX ( XXXX  ) mortgage went into COVID Forbearance XXXX of XXXX applied for a refinance with XXXX  since the rates were low. 

XXXX of XXXX denied my refinance application because the loan was in forbearance despite the fact that the loan was in forbearance when I started the refinance process. So I resumed paying my monthly mortgage payments and have been making monthly payments consistently since XXXX of 2021. 

XXXX of XXXX reported my loan as delinquent/overdue by 120+ days to XXXX  and Experian despite the fact that I have never, ever paid my mortgage late. 

XXXX of XXXX-I contacted XXXX to ask them to remove this inaccurate information from my Experian and XXXX  credit reports. 

XX/XX/XXXX, XXXX-the information is still listed as delinquent/overdue on both XXXX  and Experian credit reports.
Product: Credit reporting or other personal consumer reports

This is a follow up to the initial complaint ( XXXX ) whereas XXXX responded XX/XX/XXXX insisting they couldn't find my file due to not having my SSN. They also deny responsibility for fraudulently accessing my credit report and sharing it with several unauthorized companies ( included in this complaint : XXXX XXXX XXXX XXXX Global Lending Services XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) even though the loan application was submitted via THIER WEBSITE ( XXXX  ) not XXXX XXXX XXXX which XXXX XXXX assured me they did what was needed so that when I submitted the loan app through XXXX 's site that it would only be pulled for XXXX financing. You can even read the correspondence that I provided copies of that the loan application was submitted XXXXXXXX XXXX website and it should be the responsibility of XXXX and it's subsidiaries to protect consumer info and manage their platforms and the manner in which they access consumer protected data accordingly, that's not my job or ability as a consumer and XXXX needs to contact it's representative to address this issue NOT ME. XX/XX/XXXX I was in the process of searching for a vehicle and came across XXXX in XXXX, NC ( XXXX XXXX XXXX ). During the process I emailed their team specifically requesting to ONLY have the pre-qualification and loan process be pulled for XXXX XXXX prior to applying for a loan and they agreed to this PRIOR to my submitting the application. Their representatives responded confirming that this was possible and that my loan would ONLY be pulled for XXXXXXXX XXXX. I look at my report and they alternatively submitted my information to multiple companies resulting in multiple inquires on my report and negatively impacting my credit score. They proceeded to be extremely unprofessional and unapologetic about their unethical practices and I received several junk letters from various institutions that I never applied to. They also consistently gave me incorrect pricing information from their advertisements, tried to hide and manipulate the sales and incentives and would refuse to apply certain incentives that I qualified for. Their team was psychologically and emotionally abusive. See attached screenshots. I demand that they remove all XXXX and XXXX partner inquires from all XXXX credit reports and any subsidiaries and that they delete my name and contact information from their systems immediately. XXXX is also one of the many companies that later sent a loan decision letter and other correspondence to my address further proving that the application was submitted via their platform. There is no way to submit my SSN via this complaint process, only a loan or account number that I do not have.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 JEFFERSNCP Account status - Collection Reported balance {$9600.00} Loan type - Unknown loan type Date reported - XX/XX/2024 This is all the information provide unknown original creditor so no information is given as to where this debt originated I have requested in writing 4 times to send debt validation with no response.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX Bank of American locked all my three accounts including online access, one the accounts is my business account that has money that belongs to my clients used to manage their properties. 
I have been Bank of America 's client for about forty ( 40 ) years and during that time I have transferred money to other banks for CD purposes on a regular basis without any issues, however, during the last three months I decided instead to wire money to other banks for the purpose of trade. From the beginning BoFA would purposely delay the wires and contact the other banks alleging that the money is fraud to the point that those banks would deny my accounts with them. 
Each time I wired money I would get constant annoying calls from BoFA wanting to know why am I wiring money and why do I want to get involved with XXXX and badmouthing to those banks so that their clients would in turn denied my access, including a {$100.00} transfer that I attempted to send via BoFA debit card to XXXX as BoFA declined the transfer and consequently XXXX denied my access. 
BoFA is even delaying cashing a check that was transferred to BoFA when one of my CDs matured weeks earlier.

BoFA illegally locked my accounts without good cause knowing well that the trail of money came from matured CDs. 
BoFAs illegal behavior has caused me great financial hardship and emotional distress.
Product: Credit reporting

When i pull up my credit report from a website that pulls reports I noticed some things that were not mine. i went to call and no on e would realy help then i sent the credit bureaus my letters to dispute what they were reporting. Got a couple things that were fraud removed but they kept some of the other sutff. I pulled my credit first because I was really wanting to buy a new house in the next year. mortgage place did tell me to contact the bureaus and did n't really work or do anything. also police didnt really want to help unless i knew who did it. I dont or I would go see them to asnwer for this. thank you.
Product: Vehicle loan or lease

I have been making payments to wellsfargo dealer services on behalf of my fiance. They contacted us on   XXXX   XXXX   ,2017 to i nform her that she was {$1900.00} behind and that she had four days to pay it off or it would be a charge off on her credit. However they sent us a statement that says the next payment isnt due until  XXXX   XXXX ,    2017. Sin ce that time I have made three more payments. So its not behind. We also pulled her credit to check and it shows her payments are current.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying to dispute 4 accounts that are paid in full and are very old accounts. I've also tried XXXX XXXX to dispute which was a slow process in which I understand it ; s based off timing and how long I will continue to pay for services. Both XXXX  and Equifax are still reporting old information, but amazingly Equifax has removed and XXXX  continues to report. 

XXXX : : XXXX XXXX XXXX XXXX was paid off through XXXX XXXX because the car was total through an accident. I understand there was a few lateness, but why should I still be punished on my credit profile for an account that was satisfied? 
XXXX XXXX XXXX is a paid account from XX/XX/XXXX XXXX XXXX XXXX   XXXX : is a paid account from several years. I believe XX/XX/XXXX-XX/XX/XXXX Equifax : still reporting an account " XXXX XXXX that's been paid for several years ; XX/XX/XXXX-XX/XX/XXXX. They also state on my credit profile it was a charge off when I paid in full through a court decision. 

I take full responsibility of my mistakes and downfalls during a time when I was unable to keep up on payments with certain accounts, but i'm in a better space now and I don ; t feel like this should be continue as this cat and mouse game. XXXX XXXX will send me information that an account has been removed but when I look at my XXXX  account the issue is still there. Those issues are the accounts i listed above : " XXXX XXXX XXXX  '', " XXXX XXXX XXXX XXXX and " XXXX XXXX XXXX XXXX ''. 

As well as the one account Equifax is still reporting : " XXXX XXXX '' Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the account ( Original Creditor : )  XXXX asap
Product: Vehicle loan or lease

Overland Bond. Last year aka my final year of payment to overland bond, I have been up to date on my payments, When covid hit I was reduced hours and temporarily laid off. My finance company provided that I can pay a reduced payment that would stretch out the loan longer, Fast forward to XX/XX/2021 I was told I was still still accruing late fees even tho I was on the payment plan as well as being negatively reported on my credit. I was not told these things would happen and now they say I owe a extra XXXX $ in late fees when they never mention this until my car was paid off. Now they are holding my title and negatively affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had 30 days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside 15 days of the completing of your reconsideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX for months. The credit bureaus refused to reverse the late payments. 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 tremendously. CFPB please step up and fix this ASAP
Product: Debt collection

This company calls every morning, leaving a message on voicemail, and does not identify itself and asks that I call about " a very important matter ''. The number they ask me to call is XXXX. After research online, i found that they collect junk debt. I want them to stop calling me.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Mr Cooper has refused to pay my home insurance policy from escrow funds and my carrier has advised they will terminate my policy in XXXX  days. Mr Cooper claims they sent a check but there is no record of it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful
Product: Credit reporting or other personal consumer reports

There has been multiple hard inquiries that were not authorized by me that I requested to have removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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/2022, I tried to make my minimum payment on my apple device. You had to make it before around XXXX pm my time. The apple card wallet would not allow me to make a minimum payment ; which was an error on XXXX part. It did allow me to make a payment around XXXX pm, which was around 2 hours later. This late payment is ruining my credit report and totally unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries to being ignored by this company. Some of these were pulled multiple times in one day to which I never authorized. Most I have never even heard of.

Attached is a copy of the last letter sent.