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

I have reached out to Equifax several times in the past few months as it pertains to my credit report. I have been erroneously denied credit, checking accounts and loans after being a victim of hurricane Irma due to false information on the Equifax report as Equifax is reporting me a deceased! on XX/XX/XXXX I mailed and faxed a copy of my ssn card and drivers license to have the account updated. I received a letter stated it had been updated to only find out on XX/XX/XXXX when I went to apply for a emergency relief loan thru XXXX XXXX that the account was reflecting with limited credit due to consumer deceased alert! I was also denied a checking account thru XXXX XXXX XXXX XXXX due to the same error! I called Equifax on XX/XX/XXXX after waiting 3 hours the rep advised that they were showing no errors. Call disconnected and I called back on XX/XX/XXXX and requested a supervisor, only to be told that they do show the error and it was a technical glitch and it would be corrected within 24-48 hours. I waited that time and reapplied for the emergency relief loan and credit card- only to be declined for the same issue! I am livid. I have inquiries that should not be, I even ordered the Equifax credit report, however credit card companies, which I have a denial on file to show you have erroneously denied and extended credit due to an error that should have been fixed months ago. It is not fair and it is illegal as they have had months to correct.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

I am also placing a FTC reference number- XXXX XXXX  so that you can verify the inaccuracy of fraud that is placed on my credit report.

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Mortgage

I purchased my home in XX/XX/XXXX and after a couple/few months, my mortgage was sold to Lakeview Loan Servicing. In XX/XX/XXXX, I mailed my mortgage payment ( a check in the amount of {$1000.00} ).  Nearing the end of the month, the check had not been cashed and the mortgage company claimed they never received it. I then had XXXX XXXX XXXX  complete a " stop payment '' on the missing check, and I proceeded to make ANOTHER payment, online. On XX/XX/XXXX, {$1000.00} was taken from my bank account to pay my XXXX mortgage payment.. Fast-forward to XX/XX/XXXX, I received a letter stating that my XXXX check, in the amount of {$1000.00} was returned as " no sufficient funds. '' I called my mortgage and explained to them that I put a " stop payment '' on the account, because the check was missing and if I made another payment and the check re-surfaced, the check would bounce. I spoke to my mortgage company SEVERAL times in the month of XXXX and was told that the issue had been resolved, and my next mortgage payment would be due on XXXX. On XX/XX/XXXX, I made my XXXX mortgage payment online ( the funds came out of my account on the XXXX ). Starting XX/XX/XXXX, I began receiving robo-calls from Lakeview. I returned their call and was told that it was a courtesy reminder for my XXXX loan payment. I explained that I paid my mortgage, and that the funds came out of my account on the XXXX. Lakeview then tried to tell me that on the XXXX, there was a " reversal '' for " insufficient funds. '' I informed them that that was an ERROR, because the money came out of my account ( there was still money in my account ) and NEVER went back in. On XX/XX/XXXX, I contacted XXXX XXXX XXXX for proof ( statement with tracking number ) of my XX/XX/XXXX payment - this informed was sent to the mortgage company. On XX/XX/XXXX, I received an email from Lakeview stating that indeed, they did receive my XXXX payment, however, they used the payment to pay my " missed '' payment in XX/XX/XXXX .... As of XX/XX/XXXX, I am having to provide proof AGAIN, that my mortgage payment for XX/XX/XXXX was indeed made.
Product: Credit card

This is the third time that someone has tried to open a Chase Freedom XXXX XXXX in may name including XX/XX/year> ; XX/XX/year> ; XX/XX/year> the last time with the first name XXXX all which Ive been notified of via email. 

I have placed freezes on all of my credit reports I have contact Chase each time to deny the applications and also notified the local authorities in XXXX XXXX where I live. 

Im worried my information is out there and have been told theres nothing that can be done unless someone is successful in using my information. Can you please help me get to the bottom of this? 

XXXX
Product: Debt collection

Midland credit management is known for frivolous lawsuits and collection practices. 
Has raised many red flags in state of calif and arizona.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter sincerely XXXX XXXX
Product: Debt collection

My name is  XXXX   XXXX , I had a  XXXX   XXXX  account with account number  XXXX . My account with  XXXX   XXXX  ended in  XXXX  of  XXXX  when I moved to an apartment that did not have a clear view of the southern sky, which per their rules resulted in the contract being canceled without penalty. Per their agreement, I was to send back the  XXXX   XXXX  receiver and  XXXX   XXXX  remote which I did during  XXXX  of  XXXX . There were some issues with  XXXX  not realizing that I had shipped the box to them already and for some period of time they would call me about it, however in late  XXXX  or so after repeated conversation with  XXXX , they realized that I did in fact shipped the receiver and it was in their possession. My understanding was that the matter was resolved. However I just discovered in  XXXX  of  XXXX ,  XXXX  has turned the account over to collections to Enhanced Recoverey Collections which has reported the collection account of {$290.00} on my credit report. The {$290.00} is for the allegedly unreturned  XXXX   XXXX  receiver, despite the fact that it was returned. This is a debt I do not owe. I 've called both  XXXX   XXXX  and ERC about this, neither are willing to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to violate FCRA Regulation by reporting unvalidated information that is incorrect. I have proof from the " creditor '' that it can not be validated and it has not been removed yet. This incorrect info needs to be removed immediately.
Product: Credit card or prepaid card

American Express has been blocking the transfer of my membership rewards points to other airline programs for a 6-8 weeks now. I receive the error message that my " purchases are under review. '' I am unaware of any purchases I meant that would have run afoul with the program and called in multiple times to get the situation resolved.
Product: Debt collection

This spans back to complaint XXXX was filed back on XX/XX/year> where I contacted the first debt collector that XXXX XXXX obviously hired. The only response I received from this was that XXXX was investigating the dispute, and would notify me by my preferred method of contact once the dispute had been resolved. Well I never heard anything from XXXX instead I get that they sold the debt to another collector by the name of TrueAccord. I have not contacted them yet but will tomorrow XX/XX/year>. I am very frustrated this debt is not mine I did not purchase anything from XXXX XXXX. But now the debt has went from XXXX with account number ending in XXXX to the new amount sent to TrueAccord with the amount of XXXX with the account number now ending in XXXX the debt was purchased under an address that we have lived there in almost a year. And this statement only has that address listed on it XXXX XXXX XXXX XXXX XXXX XXXX. I am not paying for a debt that I never made.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report - FCRA Section 611 Dear Sir/Madam, I am writing to dispute inaccurate information listed on my credit report provided by Equifax. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccuracies promptly investigated and corrected. 
After reviewing my credit report dated XXXX XX/XX/XXXX, I have identified discrepancies that necessitate your immediate attention : XXXX. Last Reported : XXXX and XXXX both report the last update as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. This slight difference may not be significant but is worth noting if strict accuracy is necessary. 
XXXX. The account Number : XXXX has a different account number, while Equifax and XXXX has the same. 
XXXX. Comments : o XXXX : Charged off as bad debt. 
o Equifax : Account was in dispute- now resolved - reported by subscriber. 
o XXXX : Unpaid balance reported as a loss by the credit grantor. 
XXXX. Date Last Active and Date of Last Payment : Date Last Active : XXXX and XXXX both show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. 
XXXX. HIGH CREDIT : Is showing as {$0.00} on the XXXX report but is correctly listed as {$5600.00} on both the Equifax and XXXX reports. 
XXXX CREDIT LIMIT : for Equifax is reported as {$0.00} while it should be {$5600.00}, similar to XXXX and how XXXX should have reported the high credit, this requires a correction as well. 


Section 611 of the FCRA mandates that you conduct a reasonable investigation into these discrepancies. This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information, please remove immediately Therefore, I am enclosing copies of supporting documentation to assist in your investigation, including [ documents/evidence supporting your claim, such as billing statements, payment records, or correspondence with creditors ].

I hereby request that you undertake a thorough investigation of this matter and provide me with a detailed explanation of your findings within 30 days, as stipulated by Section 611 of the FCRA. Should the information be found to be inaccurate, I expect prompt correction or removal from my credit report. 
Furthermore, pursuant to Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA, I request that you notify me of the results of your investigation and any amendments made to my credit report. Thank you for your prompt attention to this matter. I trust that you will handle this dispute in compliance with federal law. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please know the information on my credit report is not correct. I've listed personal information as well as inquiries that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Since I am not being heard by the institutions responsible for reporting accurate, complete, and permissible information I am seeking help from a higher source. Please remove it urgently.
Product: Debt collection

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose. Santander Consumer USA 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

Citibank , N.A . put a default on my record when they sent me a letter to pay my mortgage starting in XX/XX/XXXX without giving me a chance to respond. I didnt know at that time they already put me in default. I feel this is unjust because they didnt give me the time needed. I need them to give me more time. I was getting the money from a friend when they put a default on my record. I believe there is a law that says that you have to give the homeowner 30 days notice before this is done. 

In 2013, after calling and talking to Citibank we asked to settle the HELOC since our house was no longer worth what it was when we got the HELOC. I hired the XXXX XXXX XXXX to negotiate with the lender for a settlement which they did and received a Full Reconveyance. 


We called Citi Banks Department in and they said it was paid in full. Almost two years later I received a bill from Citi Bank, N.A. and was shocked. At that time, I had my records checked and found that after the negotiations they rescinded the Reconveyance more than a year later without our knowledge of what was done. We didnt know about it until we received the first bill and looked at the recording offices records. This is the situation as it occurred I feel this is unjust and have tried for several years to settle with them. I thought that they would negotiate a settlement after paying the company the money. I was hoping for help in overturning their decision of collecting the full funds when that was not owed.
Product: Credit reporting or other personal consumer reports

I was recently trying to purchase a house and noticed damages on my credit report. According to 15 USC 1681 there should not be any damages on mu report as it is a defamation of my character. 

XXXX XXXX XXXX is reporting inaccurate balances! 
XXXX XXXX is reporting inaccurate balances! 

All three major credit bureaus are reporting different amounts which are indeed inaccurate! 

In regard to XXXX  XXXX Experian is reporting the following balances : {$3200.00}, {$660.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 
XXXX is reporting the following balances : {$3200.00}, {$640.00} & {$2500.00}. 

In regard to XXXX XXXX Experian is reporting the following balance : {$19000.00} XXXX is reporting the following balance : {$18000.00} XXXX is reporting the following balance : {$18000.00} In addition to amounts varying from each other, they are also not the balance reported to my estate from XXXX XXXX making this all inaccurate information and inaccurate/fraudulent reporting
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX PM Account # XXXX, XXXX  XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX, XXXX & XXXX Account XXXX XXXX XXXX has violated my rights. 

I looked at my Transunion credit report on XX/XX/2024, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2, they are supposed to 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, credit repair services, or other personal consumer reports

I disputed XXXX XXXX  ( Account # XXXX, XXXX  ( Account # XXXX )XXXX XXXX XXXX XXXX XXXXccount # XXXX ), and XXXX XXXX  ( Account # XXXX ) in XXXX of XXXX. When I pulled my new credit report today on XX/XX/XXXX, I see that tis deleted item was now put back on my credit report. You did not notify me within 5 business days that it was put back on my credit report and because of this section 611 violation, the accounts needs to be removed. 

I would like to see a new report showing this been deleted. 

XXXX XXXX
Product: Credit card

I have a credit card with cominity bank, I make XXXX differences payments XXXX $ and XXXX $ on XXXX cominity bank send me billing address charge me again the XXXX $ and XXXX $ I call them and let them know I pay this money ready I open dispute with cominity capital bank i never get any results since today XX/XX/2023 cominity keep fight with me on the phone cominity capital bank need I pay the money double I have account with XXXX,,, XXXX call them and let them know we pay this money ready,, cominity keep forcing me pay the money double I send cominity capital bank my statements bank, electronical transmittal form cominity bank keep telling me their didnt receive any money from XXXX XXXX I prove cominity bank I pay the bank keep forcing me to pay again
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXXXXXX XXXX XXXX XXXX, if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Product: Credit reporting, credit repair services, or other personal consumer reports

its showing on my report that I have a debt collection with a company that brought a debt with Capital One Bank car loan, XXXX FUNDING is reporting that this debt was not paid, I called the company that manage this reporting and they could not find my account because it was paid off last year. I called Capital One about this and they sent a statement that the debt has been covered.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to inquire about a vehicle automania I wasnt sure if I wanted to pay for the car outright cash or go for a loan so I asked them their procedure. They informed me that all I have to do is upload some documents to the portal and sign up my contact information and work information so because I was unsure, I only filled out the contact information including my name address email play some work and social. I did not send in my W-2s, my paystubs or any sort of income based material because four days later, I found a different vehicle for less money that I was gon na pay cash the automated system they had kept sending me emails and updates to upload my documents until XX/XX/XXXX when out of nowhere my credit report took a hard hit because of an inquiry around that day one at no time during the week was I ever there to inquire about a car or a different vehicle they just ran my credit a week later without any knowledge or permission or without me even being there I called to ask why they did it. They told me they had every right to do it even if I wasnt interested in buying a vehicle and I did not agree so I asked for the electronic signature which I have from the contact part of the application and at no point doesnt give them the right to run my report a full week later when I was not interested in buying a vehicle from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

one inaccurate bankruptcy chapter XXXX is reporting under my experian credit file. which does not belong to me i had never filed any, i dont know whos information these are that are reporting under my name, i have tried to dispute them but they have not been helpful. please have this inaccurate information removed from my XXXX and experian credit file thank you
Product: Checking or savings account

On XX/XX/2019 Comerica Bank escheated our savings account with a balance of {$930.00} because of inactivity.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



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 XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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