23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is stating that XXXX Account XXXX is reporting correctly and it is NOT. This debt was cancelled through IRS Tax year 2015 with Form XXXX. I have included the paperwork many times that proves this yet Equifax continues to ignore the paperwork. Consumer Financial Protection Bureau is suppose to make this right and force Equifax to obey the FCRA and report this correctly. The paperwork is right here and states clear as day that this debt was cancelled. THIS ACCOUNT SHOULD BE REPORTING XXXX BALANCE AND CLOSED. I do n't understand how Equifax can get away with breaking the law and you Consumer Financial Protection Bureau are letting them get away with this. My next attention will be a law suit.
Product: Credit reporting

I previously submitted a dispute regarding XXXX XXXX XXXX Collections which they added collections accounts to my credit report. It was established the XXXX XXXX was the legal owner of the accounts and that a dispute was filed with XXXX XXXX on XX/XX/2017 in regards to the balances placed in collections. XXXX XXXX reviewed the accounts and informed me that they had no record of any of the balances provided by XXXX XXXX XXXX. XXXX XXXX then stated that they found updated statements for the balances after the correction were made for payments by the insurance provider. A dispute was filed against XXXX XXXX XXXX for adding a collection to my credit report and as a result the collections accounts were removed. Between XX/XX/2017 and XX/XX/2017 XXXX XXXX XXXX added the same collections accounts again to my credit report by changing the original creditor from XXXX XXXX to XXXX XXXX XXXX. They also combined all the balances for the previous accounts and created a new balance of {$900.00}. We attempted to contact the original creditor XXXX XXXX XXXX regarding this account and we were informed that no account information exist for a balance of {$900.00}. The also stated that all billing for XXXX XXXX physicians is handled through XXXX XXXX XXXX billing. We have never received a billing statement regarding a bill for {$900.00} in regards to any XXXX service. We have been in contact with XXXX XXXX XXXX billing and they informed us that the only payments that are currently outstanding includes bills for : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX respectively. These accounts are currently being handled under another collection agency called XXXX XXXX XXXX, but XXXX has since requested that they be removed from collection due to a payment planned established with XXXX XXXX XXXX. XXXX XXXX XXXX is illegally placing collection information on my credit report after erroneous and inaccurate information has been deleted. They are doing this in violation of the current FCRA laws. I attempted t submit another dispute but was not allowed to do so by CRA 's. 

XXXX XXXX This is currently delinquent but has since been charged off. Due to the current FCRA when an account has been charge off the remaining balance is suppose to be charged to XXXX to reflect that the account has been charges off and no balance is due at this time. At this time the account still shows a balance owed. I attempted to dispute this information also but was denied.
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX 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 XXXXXXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.
Product: Debt collection

I am writing to dispute the accuracy of information contained in my credit report as provided by XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that you investigate the following unauthorized credit card account : I have never applied for or authorized the opening of this credit card account. I want to make it clear that I have never signed or applied for this account. As such, I request that you provide me with documented proof of the signature associated with this account. This proof may include, but is not limited to, a signed application form, a copy of the original contract or agreement, or any other documentation bearing my signature.Furthermore, the reported dates of last reporting and active status for this account are inaccurate.The address of the XXXX company are different across my credit reporting sites. I request a thorough investigation into these discrepancies. 
XXXX XXXX : XXXX XXXX address # : po box XXXX XXXX XXXX, TN XXXX
Product: Mortgage

Company applied funds that were for monthly mortgage payment incorrectly Want copies of email and all phone records Company is lying did not resolve and wont send information I am requesting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XX/XX/year> To : XXXX XXXX XXXX ( XXXX, Equifax, XXXX ) Subject : Formal Notice and Demand for Deletion of Unverifiable Account Kohls/CapOne Charge-Off Case Reference : XXXX Deletion Confirmation Dear Credit Reporting Agencies, I am writing to formally advise you that a disputed account, specifically a KOHLS/CAPONE Charge-Off in the amount of {$630.00}, has been fully investigated and deleted from my XXXX credit report following a thorough investigation concluded on XX/XX/year>. 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, all consumer reporting agencies are required to ensure that only verified, accurate, and substantiated information remains on a consumers credit file. The removal of this account by XXXX demonstrates that this account could not be verified and was deemed unverifiable or inaccurate. Since the account was deleted from XXXX, you are now legally obligated to do the same unless you are able to independently verify the accuracy and validity of the account with proper documentation. 
Pursuant to the FCRA 15 U.S.C. 1681b and 1681e ( b ), you are required to ensure the maximum possible accuracy of the information you report. Reporting information that has been deemed unverifiable by one major consumer reporting agency creates a serious compliance issue, especially if such information is allowed to remain on my file. Any failure to remove this unverifiable account will constitute a willful violation of the FCRA and my rights as a consumer.

Furthermore, under 15 U.S.C. 1681i ( a ), you are required to conduct your own independent reinvestigation of the disputed information within 30 days of receiving this notice. If you can not provide documented proof from the data furnisher verifying the accuracy of this account, you are required to permanently delete the account from my credit report.

Please be advised that I am fully aware of my legal rights under the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. If you fail to comply with these federal laws by continuing to report this unverifiable and deleted account, I reserve the right to pursue legal action against your agency for the willful and negligent violations of my rights. Under 15 U.S.C. 1681n and 1681o, I may seek actual damages, statutory damages, punitive damages, court costs, and reasonable attorneys fees should you fail to comply.

This is my formal demand for the immediate removal of the XXXX XXXX from my credit file. I expect written confirmation of this deletion within 30 days or less from the date of this notice. Failure to respond accordingly will leave me with no choice but to escalate this matter, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies in accordance with my rights under federal law. 
This letter serves as official notice under the FCRA and places you on formal notice of your obligations under federal law. 

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

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


Account XXXX : XXXX XXXX Account XXXX : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX, An auto loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX account number XXXX, An auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, An student loan account opened at US DEPARTMENT OF EDXXXX XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX on XXXX the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I kindly request that you thoroughly validate these accounts, as I wish to ensure that I am not erroneously charged for any debts that do not belong to me. In order to avoid any misunderstandings or disputes, please provide me with concrete evidence and documentation that supports the existence and amount of these alleged debts. I appreciate your prompt attention to this matter, as I am eager to resolve any discrepancies and ensure the accuracy of my credit report. 

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

XXXX XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Product: Mortgage

file has failed Quality control review twice now. 
This is the 2nd time this happens and the file is declined for failing quality control review we have not received a clear answer of why this is happening on this account. The only answer we got is it failed QC and its not in the investors best interest to accept the offer. 
This file was previously closed out because we were advised the file failed QC, per Wells Fargo a party involved is questionable and black listed. We were informed that it was the Buyers, so the agents looked for a new offer and obtained one which we now submitted. 

This new offer has been declined, I was informed Wells Fargo decided to close out the file. Per the Short Sale dept. the short sale does not meet quality standards and there is a questionable person involved in the transaction who has been black listed. 

I 'm concerned that its either the agent or the sellers as this is the 2nd time this happens. 

There is a XXXX XXXX foreclosure sale date and we are doing everything we can to get this short sale completed and avoid a foreclosure for Wells Fargo and the seller but Wells Fargo will not provide us clear answers in order to resolve the issue at hand and complete the short sale with an acceptable offer. They rather remain vague and let the property go into foreclosure by playing these games.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I am really upset the credit bureaus have not responded back to me about my investigation. I sent a letter and it's more than XXXX. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Bankruptcy court name : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received dispute results from Experian about this bankruptcy stating that it was verified. First of all I submitted for verification of this bankruptcy and an item that was stated as being part of this bankruptcy. Both items are erroneous and the item claimed to be part of the alleged bankruptcy was deleted due to being unverifiable. The first problem is that I submitted my dispute in XXXX so why are you JUST sending results that were expected within 15 days. I know it did not take over 2 months for your investigation. As a matter of fact Experian did not even submit it until XX/XX/XXXX. The dispute letter and screenshot of submission are attached. The second problem is that Experian states that XXXX is their bankruptcy data furnisher and I sent the investigation results letter from XXXX that found this bankruptcy to UNVERIFIABLE and states that they deleted it from my XXXX report. So how is it even possible that Experian genuinely verified this item with XXXX. It doesn't exist! It was not properly investigated, only automated! The third problem is how can I have a bankruptcy with no items listed in it?! There are no items on my credit report as being included in a bankruptcy!
Product: Debt collection

Dear Sir/Madam, I am writing to formally dispute an error in the information reported on my credit file. Specifically, the account listed below is showing as " active '' when, in fact, it was closed on [ XXXX ]. 
Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Number XXXX Date of Account Closure : XX/XX/year> Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) consumer reporting agencies are required to maintain accurate information in consumer credit files. It appears that the account referenced above has been inaccurately reported as open/active despite being closed. 

As the account has been closed, I kindly request that you investigate and correct this error by updating the status of this account to reflect its accurate, closed status/ deletion of this account immediately. Please provide me with a written response confirming the correction once completed. 

I am entitled to an accurate and complete credit report, and I request that this matter be handled promptly in accordance with the law. Should you require any additional information from me to facilitate the correction, Thank you for your attention to this matter. I look forward to receiving your response within the time frame outlined by the Fair Credit Reporting Act. 

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

XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : 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

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Between XXXX XXXX and XXXX XXXX I applied for a hardship loan modification at the advice of Citimortgage. The loan modification was to avoid home foreclosure of our home at XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I had fallen about 11 payments behind on our mortgage over the course of 3 years was was unable to catch up. Citimortage advised us to apply for a Hardship loan modification to bring us current on the loan agreement, by which Citimortage would open a loan with the Housing of Urban Development ( HUD ) for  the amount past due that we would be responsible to pay upon the conclusion of the terms of the loan. I agreed and began the loan modification process. During the modification process Citimortgage required us to make trial payment ( TPP ) in the amount of the new mortgage payment for 6 months. During this same time each month that I made a trial payment, I became an additional month delinquent on the original mortgage, to the point that when the modification was finalized I became 17 months delinquent. This resulted in a 30 % increase in the total amount past due for a total amount of {$26000.00}. The Trial payments that I had made during this during that time was then categorized as " unapplied funds '' to the amount of {$11000.00}. These " unapplied Funds '' at the conclusion of the loan were then applied to " Escrow Advance Balance, {$1600.00} '', " Escrow Required, {$1300.00} '', " Accrued Interest, {$6200.00} '' and " Principal, {$2500.00} '' instead of being applied to the balance past due which I was led to believe. 
When speaking with Citimortgage in the matters of how the past amount increased to such a large amount, and how the " unapplied funds '' were used, I was told that the past amount was correct, the use of the unapplied funds were correct, and the math used to draw these conclusion were also correct. When I asked for a copy of the documentation to prove this, I was repeatedly denied.
Product: Credit card

I have been locked out of my online Chase account ( Chase Sapphire Reserve ) for over a week. On XX/XX/XXXX, I contacted Chase customer service, who told me I could not access my account because there was unusual activity on the account. As I do not have any other accounts with Chase, I was immediately concerned about potential fraudulent charges on the account but they did not flag any fraud alerts on my card and refused to provide any additional information about what the unusual activity was. On XX/XX/XXXX, they told me the account access issue should be resolved within XXXX business days. 

When I called back XX/XX/XXXX, they told me the account access issue should be resolved by the end of the week. When I called at the end of the week ( XX/XX/XXXX ), they informed me I have been locked out of the account indefinitely. 

Without access to my online account, I am unable to access bill payment options, my current account balance, and recent transactions, as well as the premium benefits for which the card requires a significant annual fee. While Chase has said I can call to check my balance, I find this proposed solution to be untenable and unacceptable, particularly as a consumer paying several XXXX dollars a year for a premium credit card. 

Thank you in advance for your assistance.