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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to fulfill its legal obligations under the Fai Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts uresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provide evidence to furnishers, accepting unreliable reponses, and failing to adequately notify consumers of disputes outcome. These failures align with my experience when Experian has neither corrected nor removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as Experians in action violates federal law and my consumers rights
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 within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C subsection 1681i, which mandates a reasonable investigation of disputes.Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. subsection 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.
Product: Credit reporting

The insurance company is responsible for this charge, I was and presently am a XXXX and medical /XXXX insurance is extended 31 days after separation from employment. I left my job the same month I visited this XXXX office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the XXXX insurance company. I 've regained my XXXX employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 
The collection company has responded to my CFPB complaint and agreed to remove the incorrect information, Equifax is not complying. 
Company responded -XXXX said : Explanation of closure We will remove the account from your credit report to allow you the opportunity to clear up any confusion with your insurance company. 

Equifax is jeopardizing my chances of home-ownership. They also have refused to update my payment information on other accounts after repeated requests on my behalf.
Product: Credit card

On XXXX XXXX, 2016, I used a Citibank Best Buy credit card. The Best Buy first purchase offer was 10 % in reward points for the purchase. I only received 5 % in rewards points. I was told that the item I tried to purchase was n't available for purchase in the store. It was only available online. However, when I tried to buy it online ( {$990.00} ) my {$1000.00} credit limit was insufficient due to sales tax. I was denied the {$49.00} credit limit increase. I was also not advised that I could simply apply {$49.00} in gift cards - then use the credit card. I was speaking with XXXX with Best Buy today and he referred me to a supervisor, XXXX who gave no date on resolution -Case ID # XXXX
Product: Credit reporting or other personal consumer reports

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

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. 

Accounts named XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These companies have misused my information and have not tried to help with removing there incorrect information from the clients credit report please have this fixed immediately as my rights stated below have been violated.

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: Debt collection

UAS which finances classes at XXXX over stepped it 's boundaries by compounding debt where there was none and then calling me 6-9x/day - constantly to pay. NYS financial law disallows certain practices as usury. Dodd-Frank also disallows certain predatory practices by lenders. UAS circumvents this by having its back office in MO and it 's collectors in NYS. This is illegal and the States ' Attornies General need to clamp down on this predatory lender and harrasser.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've sent a letter to the credit bureaus to correct this erroneous information. I will file a lawsuit against you because I think you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I had brought up this in my prior COMPLAINT #, and I'm discussing it again. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX XXXX XXXX some years ago with Creditor XXXX/XXXX. This account was closed a couple of years ago. They reported me living at an incorrect address of XXXX XXXX XXXX XXXX XXXX, NY XXXX and I have never lived in New York. When I googled this address, this is showing as the address to a company called XXXX XXXX XXXX.
Product: Debt collection

On XX/XX/2020 at XXXX XXXX, Spoke to XXXX XXXX was put on hold and then cut off. Returned call and was routed back to XXXX at XXXX XXXX. Requested information on the debt as none had been provided in writing. I became aware through my credit report. XXXX would not provide the information and began yelling and making accusations. Refused to transfer to a supervisor when asked multiple times and continued to yell and cut me off from speaking then said he was done talking to me and hung up the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received publication in the mail regarding re-financing my vehicle. I went to  XXXX   XXXX   XXXX  to discuss options ... EXPLAINED up front ... " Do not run my credit report all over the globe ... Just with my current loan provider "  XXXX   XXXX  ''. I started receiving rejection letters from an  XXXX   XXXX  in regards to my request dating  XXXX   2017 . I have  XXXX  inquiries from an  XXXX   XXXX , an inquiry from an  XXXX   XXXX , and inquiry from  XXXX  and a  XXXX   XXXX . I was adamant about inquiries because I am cleaning my credit for preparation to purchase a house. I have a long way to go and I do not need additional problems. Any assistance would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : XXXX XXXX Equifax for Inaccurate Late Payment Reporting on Account XXXX Dear Sir/Madam, I am filing this formal complaint against Equifax for failing XXXX correct inaccurate information regarding late payments reported on my credit report for the account XXXX under the creditor XXXX XXXX. Despite multiple requests for correction, dated XX/XX/XXXX and XX/XX/XXXX, no changes have been made. This lack of action violates the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and has caused undue harm to my creditworthiness. 
Details of the Reported Late Payments : Equifax : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
XXXX : Late payments reported in XXXX and XX/XX/XXXX. 
Legal Violations and Evidence : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S. Code 1681i : Credit reporting agencies are required to ensure the accuracy of the information in consumer files. The late payments reported on this account are inaccurate and have not been corrected despite multiple disputes.

15 U.S. Code 1681e ( b ) : Credit bureaus are mandated to follow reasonable procedures to ensure maximum accuracy of credit report information, which has not been upheld in my case.

Truth in Lending Act ( TILA ) Violations : 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate reporting of late payments indicates a failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the responsibility of creditors to provide timely and accurate statements to prevent unfair penalties to consumers. The errors in my account reporting violate these protections.

Resolution Sought : Immediate removal of all inaccurate late payment notations from my credit report for the account listed above.

Written confirmation of the correction from Equifax. 
If this issue is not resolved promptly, I will escalate this matter, including filing additional complaints with the appropriate regulatory agencies and pursuing legal action if necessary. 
I have attached copies of my previous dispute letters, the relevant sections of the law, and supporting documentation for your reference. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I mailed a letter requesting an investigation for accounts listed on my credit report to be verified. I only received a full copy of my credit report which was not what I asked for. I mailed a letter stating this on XX/XX/2021 and I still haven't received any results of an investigation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX 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. 


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

I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to XXXX and Transunion customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Transunion XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian on this matter on XX/XX/XXXX, XXXX asked the representative about the steps I had to take to properly dispute this item, but they placed me on a long hold. I had to go back to work- so I hung up believing that I could dispute online. When I tried to place a dispute online, I was given an error message saying I couldn't dispute the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report Changes Addresses added to Equifax Identity theft XXXX XXXX XXXX/ Do not use Equifax Equifax needs to stop making changes. 
XXXX and XXXX XXXX are accessing my credit reports-locking and unlocking XXXX 
Deleted addresses, emails, phone numbers from my credit reports. 
Deleted dark web information alert. 

Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I found out after closing that Caliber included a parcel of land on the XXXX work that was not part of the loan. The loan was a refi of my house which is on a XXXX acre parcel and that is all that was appraised and included in the refi. However, another XXXX acre parcel that i own was mistakenly included in the title work so, it is showing on title search that Caliber has a lien on it as well. I have been trying to get this fixed for almost 2 months. The loan originator, title company and Caliber admit it was an error and have been provided with corrected title work but, still have not filed the correction with my county. This is preventing me from moving forward on a project on my XXXX acre parcel. Every time i call, i am told it has been escalated but, nothing has been done. I was told last week that it would be resolved today but, when I called, i was told it was still in review!
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX My loans were in deferment until XXXX along with the rest of the student loan borrowers. As you can see on the XXXX statement included, all loans were current through XX/XX/2023. In XXXX when clarifications became announced I first applied on XX/XX/XXXX and then again on XX/XX/XXXX for consolidation and deferment until the consolidation is approved. As you can see the application on the XXXX and the statement by XXXX that NO PAYMENTS ARE DUE UNTIL XX/XX/2023. 

On XX/XX/XXXX, you reported me 90 days late on my payment A total shock considering the above and that your own documents show I was current through XX/XX/2023. I need your kindness and help to rectify this please as the downgrade in my credit is now forcing me to close my business and my vendors are all now shutting down my credit with them due to the dramatically lower credit score.

This is urgent. Can you please help? If you need additional info, please reach out. Attached is the XX/XX/XXXX, loan modification along with that is also the date of my second request to apply an administrative deferment to allow for time to get this processed. Also included is the XXXX statement showing no payments due until XX/XX/2023. 

I first contacted XXXX on XX/XX/XXXX and again on the XXXX as the info from the XXXX did not get to XXXX for some reason. 

Also, this loan likely will qualify for total discharge due to the length of payments on it. I have 15 years of public service but do not qualify for discharge for that since I am a volunteer! 

PLEASE HELP! 

You can reach me at XXXX if you have any questions or email me at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the response to my original compliant, Sequium Assest Solution response was Sequium Asset Solutions , LLC is a collection agency representing XX/XX/XXXX XXXX University in association with a collection claim on original account number ending in XXXX ; our account number XXXX. XXXX XXXX is listed as the responsible party and all communication from our office has been regards to the account. The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. 

This account need to be removed from my credit URGENTLY or I will seek legal action!!! Ceasing collection activity is NOT a problem OR SOLUTION TO MY COMPLAINT AS THE COMPANY NEVER CONTACTED ME TO BEGIN WITH ( AS THEY ADMITTED IN THEIR RESPONSE ). 

PLACING A UNVERTIFIED DEBT ( AS THEY ALSO ADMITTED IN THEIR RESPONSE ) IS ILLEGAL. THE REPORTING OF THIS ACCOUNT IS NOT RIGHT. 

The Fair Credit Reporting Act PROHIBITS credit bureaus and collectors from furnishing incorrect and unverified information on a consumer reports, this account is admittedly not verified. Also as stated in my original dispute, XX/XX/XXXX XXXX is a result IDENTITY THEFT. Legal documentation of such identity theft has been provided go XX/XX/XXXX XXXX and Sequium Assest as well as ALL credit bureaus.. REMOVE THIS ACCOUNT.
Product: Student loan

It seems like when my student loan transferred from XXXX XXXX XXXX XXXX before transfer {$5500.00} on XX/XX/XXXX ) to Mohela ( Original Balance XXXX / Current Balance {$11000.00} XX/XX/XXXX ) the amount was increased significantly. I have documents supporting my claim. 
I called Mohela about this and was told it was a mistake on their part, this was around XX/XX/XXXX.
Product: Mortgage

Ocwen Loan Servicing and XXXX XXXX have committed years of fraud against me and I ca n't get help from anyone. 2008, during pending litigation XXXX XXXX and Ocwen Loan Servicing used forged fabricated documented in court to seek judgement to rescind my Full Reconveyance. My original loan amount that was paid off was {$550000.00}. Ocwen threatened me to either except a {$750000.00} loan modification or they would foreclosure on my home in just days, and threatened if I ever discuss the Loan with anyone they would again foreclose. I filed multiple police reports, XXXX complaints along with evidence of fraud but since the system is so corrrupt I ca n't get help. I sent all evidence to XXXX attorney. Please give me the right to have a fair investigation or please involve the FBI in my matter so they can investigate the fraud that Ocwen throws in my face.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized I was charged fess due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THE FOLLOWING UNKNOWN HARD INQUIRIES OFF ALL MY REPORTS. NOT DONE BY ME. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date Opened : XX/XX/XXXX  Amount Owed : {$150.00} I have checked my credit report and I seen an account that is not mine. Experian is the only credit bureau reporting this account. I have a screenshot of all the credit bureaus side by side and Experian is reporting an inaccuracy. By the provisions of the Fair Credit Reporting Act, I demand that this account be investigated and removed from my credit report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days.
Product: Credit reporting

I have worked with XXXX bank regarding a loan that was paid off in XXXX. It started to appear in my negative credit portion of my account in XXXX XXXX showing I was currently delinquent. I worked with the bank and OCC and they removed it from all my credit bureau as it should have been in my positive credit. Please see the attachments for XXXX of XXXX. All XXXX bureaus were corrected. Then in XXXX Equifax started reporting it incorrectly again. I worked with the bank again and OCC and they XXXX have determined it should be removed ENTIRELY off my credit. I have enclosed the letters dated for XXXX XXXX of the investigation that was completed. I have waited for a number of weeks and Equifax is still reporting it negatively. I have disputed it again with Equifax and they refused to remove it from my credit. Please see the most recent credit dispute with them. This is costing me more money in loans as my credit score is not correct and creating a hardship. The XXXX Bank account needs to be removed immediately from my credit. If it continued to report, I will have to file a lawsuit again Equifax and XXXX bank. I have indisputable evidence that the OCC and XXXX bank XXXX agree the information that is being reported by Equifax is incorrect and is in violation of the fair credit reporting.