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

Equifax has failed to fulfill its legal obligation under the fair credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my right as a consumer. I will be sending a demand letter for all disputed items that were bought by XXXX XXXX XXXX That Equifax said was acceptable by them not law them. For each one you have let remain as accurate I want to BE COMPENSATED. And why are you guys not answering the phone for me
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : * XXXX - XX/XX/XXXX * XXXX XXXX XXXX  - XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased an excursion for Alaska  through XXXX/XXXX XXXX in the amount of {$450.00}. The transaction shows a date of XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$26.00} on the same date ( XX/XX/XXXX ). The transaction date shows XX/XX/XXXX. 

On XX/XX/XXXX, I purchased another Alaska excursion through XXXX/XXXX XXXX in the amount of {$230.00}. The transaction date shows XX/XX/XXXX. 

I bought insurance for the excursion from XXXX XXXX for {$13.00} on XX/XX/XXXX. The transaction date shows XX/XX/XXXX. 

Totaling {$730.00} I purchased these excursions in XX/XX/XXXX for my XX/XX/XXXX XXXX XXXX. The cruise was canceled and I rescheduled for XX/XX/XXXX. Instead of receiving a refund, the company said they would honor the two excursions for the XXXX XXXX XXXX 

I then received word from my travel agent in XX/XX/XXXX that XXXX/XXXX XXXX was in financial default and no one would be receiving their money or get their excursions. I was told by my agent to file a claim with the credit card company for a refund due to NOT receiving the services I paid for. I filed a claim by phone on XX/XX/XXXX. On XX/XX/XXXX I received notification that the claim was denied and closed. 

I went inside the bank this time on XX/XX/XXXX, to file another claim. I spoke to an associate who had to file the claim by phone. She explained to the person that I had not received the services for which I paid for and explained to them the business was in financial default under receivership ( State of Wisconsin ). The person told the associate the issue was between me and the merchant. She then reiterated that the business was in financial default. The claims person said they were not responsible for the Government shut down and refunding me the money. 

On XX/XX/XXXX, I attempted to file a claim online with Wells Fargo. I can not do so because the online banking is not showing the transactions for those purchases. It shows all my other purchases, but not those mentioned above. I do have them on my XX/XX/XXXX bank statement. 

The debit/VISA credit card used was through Wells Fargo Bank. 

Thank you in advance for your assistance.
Product: Mortgage

In XXXX I over paid my escrow by {$500.00}. Village capitol and investments did not return or credit the over payment. I contacted the company several time by phone. Each time I was told that there was a computer problem and that someone would contact me to resolve the problem. I have received letters that are back dated to try and justify the problem. As Of now my {$500.00} escrow overpayment is unaccounted for. I received a letter 3 weeks ago dated XX/XX/XXXX states monthly payment of {$890.00} XXXX XXXX. And My online account states payment {$910.00} due XX/XX/XXXX, XXXX. Every month I am being overcharged and my escrow has no accounting for the missing {$500.00}. Please help bring this corrupt company into compliance. What they are doing is theft! 

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

Addition to complaint # XXXX Equifax has received several certified mail correspondence disputing the inaccuracies of my alleged public records information. I've requested under the FCRA section 609 ( a ) ( 2 ) to provide the documents used to verify the bankruptcy listed under my name.

I've also requested under FCRA section 611 ( 6 ) ( B ) ( iii ), to describe their procedure used to determine the accuracy and completeness of the information. 
All of my requests have gone unanswered, instead Equifax states that the bankruptcy has been " verified '' and provides the name of their source XXXX. 
In XX/XX/2018, I placed a security freeze on my XXXX records which makes it impossible for any entity other than law enforcement or other government agencies to access personal information listed under my name, ( see attached document ), I also suppressed my personal data with XXXX which would also prevent access to my personal data by any entity other than law enforcement or other government agencies ( see attached documents ). 
For Equifax to state that they have " verified '' my information with XXXX, I have now proven the statement to be a deliberate and will full false statement of fact. 
In addition, the public records data from XXXX does not comply with the National Consumer Assistance Plan ( NCAP ).

Under the National Consumer Assistance Plan ( NCAP ) the public record data must have your name, address, and either your Social Security number or your date of birth. See attached page 9 of XXXX document. 
The data from XXXX only has my name, the other 2 pieces of required information is not listed, how then can it be established and confirmed that I am the filer of the bankruptcy when there are many people with the same 1st and last name? Note : XXXX has 2 social security numbers listed on my report. 
According with the National Consumer Assistance Plan ( NCAP ), the data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records.

The attached public records document ( pg9 ), from XXXX reads " This section contains bankruptcies filed in your name in federal bankruptcy courts. '' it further goes on to state " ... the source last provided information related to the bankruptcy ... '' Here XXXX claims that a " source '' provided information related to the bankruptcy. The " source '' would be the bankruptcy court, I have documented proof that the " source '' has not ever provided information to XXXX, ( see the attached court document dated XX/XX/2018 ). In the court document the first line reads : " Please be advised The United States Bankruptcy Court does not provide information to credit reporting agencies. '' Therefore XXXX is now proven to have falsely and inaccurately reported damaging information in their database, which was then relied upon by Equifax which cite XXXX as their " source. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS/INQUIRIES LISTED DO NOT BELONG TO ME SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX   to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my 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
Product: Debt collection

Going back to the end of XXXX beginning of XXXX XXXX XXXX based in California has been constantly harassing me about a 5 year old debt I was n't aware of. They called speaking extremely rude to me, threatening to sue me, telling me that this so called " debt '' will damage my credit score and that it will basically disrupt my finances, that they will garnish my wages, and they refuse to send me anything in writing, verifying that the debt is actually mine ( even after I have requested documentation every time they call ) and that it is n't a scam. They call non-stop and the guy XXXX XXXX was being very loud threatening and rude to me even after I told them to " do what you have to do '' telling me that I " need '' to take care of this and that other debts are n't as important and that it will mess up what I have going on in my life. They continue to call from numbers that are n't based in the US ( such as XXXX ) even though they say that they are based in California. When I asked why he lied about it.They keep threatening to take me to court and refusing to send me any information regarding the debt and that all these different horrible things will happen to me if I do n't pay them and telling me what I " have '' to do. Their number is XXXX XXXX XXXX.
Product: Credit card or prepaid card

Capital One Venture Rewards card advertises the ability to transfer points to partner airlines. 

I am a cardmember. I also have a XXXX XXXX frequent flier account with XXXX XXXX and Capital One is advertising a promotional rewards point transfer to this program during the current month. 

There is an apostrophe in my last name. This punctuation exists on my drivers license and passport, and the airline asks that the name on my frequent flier profile match to those documents. So it exists on my frequent flier account also. 

Capital One has a system that can not support this punctuation. I attempted to contact them to spell my name correctly, and they informed me that I am not eligible for this card benefit unless I update my frequent flier account so that it won't match my ID. 

Their agent was very friendly but told me that they would not take any action to help me, and that their system issues are my problem. While not intentional, this treatment is discriminatory because other cardholders are able to use the benefit, and I am not. I pay the same fee as those customers, and I strongly believe I should be entitled to the same services as everyone else.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAVALRY PORTFOLIO SERVICES , LLC. ( XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting correctly, XXXX has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Product: Checking or savings account

When I make purchases the bank takes more than 7 days to finalize purchases which causes my account to be overdrawn the bank been doing this for over 6 months I been complaining but nothing is being done about this ongoing problem my next move is to bank with another bank
Product: Mortgage

I have signed the refinance paperwork with PrimeChoiceFunding Mortgage on XX/XX/XXXX for a XXXX  days lock based on the advertisement flyer that came in the mail in XXXX of XXXX. As of today XX/XX/XXXX XXXX 3 months later ) I have not received any updates on my closing date and have not been able to receive any updates on the status of my file. It is misleading to keep the consumer on hold for such a long period of time with no updates and no end date after offering a XXXX  days lock in. It is a desperate situation. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have three different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. Transunion violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1  ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly 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 reinvestigation ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Consumer Relations, I am writing this letter in response to the correspondence I received from Experian dated [ XX/XX/23 ] regarding a dispute over my credit report. I appreciate the opportunity to address the matter and seek a resolution to the dispute. 

First and foremost, I want to clarify that I am the individual who sent the initial dispute letter [ XX/XX/23 ] regarding the inaccurate information on my credit report. It is essential that this clarification is duly noted and that my request is promptly moved forward for investigation and resolution. 

I must express my concern regarding the handling of my dispute by Experian. It appears that there has been a delay or oversight in addressing my concerns, which has resulted in unnecessary inconvenience and potential harm to my creditworthiness. I believe it is crucial to emphasize that as a consumer, I have certain rights protected by federal laws, including the Fair Credit Reporting Act ( FCRA ). 

Experians failure to comply with the FCRA and other applicable regulations is a matter of utmost concern to me. I strongly believe that Experian is taking unfair advantage of my consumer rights by not promptly addressing my dispute and conducting a thorough investigation. 

Failure to comply with the requirements outlined in the FCRA is a violation of my rights as a consumer, and I want to assert that I am entitled to appropriate remedies, including potential monetary damages if these violations persist.
Product: Debt collection

This debt from credit resource management for XXXX they claim I opened in XXXX of XXXX is not correct this debt is more than XXXX years open and has reappeared. It was not on my report I purchased my home in XXXX
Product: Credit reporting

I have not had a XXXX phone since early 2007. I have tried to resolve my bill in the past but XXXX XXXX XXXX keeps reposting an old bill. I have no way to provide financial info from 8 years ago and they know that so they want me to prove it to them but I have no way to do that. Is there anyway to get XXXX to find out how old it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

- Mortgage loan was originally with XXXX. Extra payment was made toward principal on XX/XX/21 in the amount of {$910.00} - Servicing of mortgage loan was transferred to Nationstar Mortgage LLC d/b/a Mr. Cooper from effective XX/XX/21. At time of transfer, principal balance was {$350000.00} and escrow balance was {$2700.00}. 
- During transfer, some money went " missing '' and Mr. Cooper determined that the principal balance was {$350000.00} and escrow balance was {$99.00}. 
- I worked with Mr. Cooper and XXXX to fix the escrow problem and that has been resolved. The principal balance is still incorrect - I continued to pay my mortgage as required. However, because Mr. Cooper initially started off with the wrong balance, they applied too little to my principal and too much to my interest in XXXX and XXXX. While they now seem to be back on track, they haven't gone back and corrected those attributions, so my principal balance is higher than it should be. 
- I have sent documentation of proof of my final balance with XXXX to several account managers at Mr. Cooper, as well as having several phone calls and email exchanges since the mortgage was transferred. The last individual that I spoke with ( XX/XX/XXXX ) finally understood what had happened, but the problem still has not been fixed. My attempts to communicate are now being ignored.
Product: Credit card

I received a credit card offer to transfer funds for 0 %, I responded to the offer on XX/XX/XXXX. The only reason for opening an additional credit card was to take advantage of the balance transfer. I called on XX/XX/XXXX to follow up on the transfer and was told it would take 7-10 business days. I called again today to follow up and was told it would take 10-14 business days and that their records indicate that I did not request this until XX/XX/XXXX and I should see it post by XX/XX/XXXX. I spoke to a supervisor who stated that a check will be mailed to me in 7-10 business days. I have never had a balance transfer on a credit card be sent personally to me as a check. I am furious that I jeopardized my credit by opening an additional credit card with a specific purpose to do a balance transfer and they are XXXX around with it, not processing it and not processing it per normal industry standards. I spoke to a different supervisor asking to cancel this transaction so I can take my business elsewhere. That being said, I 'm not stuck with this credit card on I do not want or intend to use. Wells Fargo needs to be investigated for their practices.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting LVNV Funding LLC accounts opened XX/XX/XXXX and XX/XX/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. I was also notified that all my information was in a data breach with XX/XX/XXXXand XXXX.
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 need to investigate and correct from erroneous reporting in my file are listed on my credit report : US DEPT ED XXXX XX/XX/XXXXXXXX