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

I am writing to express my extreme frustration and dissatisfaction with Equifaxs repeated failure to conduct a proper reinvestigation of these disputed accounts on my credit report. Despite my numerous requests for proper reinvestigation under my rights provided by the Fair Credit Reporting Act ( FCRA ), these accounts continue to be verified without any documentation provided to substantiate the method of verification of these inaccurate accounts. This persistent failure to comply with federal law is unacceptable. Your failure to complete a lawful and thorough investigation violates the FCRA. You are required to conduct a proper reinvestigation when disputes are submitted and to provide clear documentation of how the information was verified. Instead, you have ignored these obligations, which is unacceptable and demonstrates blatant disregard for federal consumer protection laws. It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) has filed legal actions against Equifax for similar failures to adhere to proper investigatory standards. This reinforces my position that Equifax handling of consumer disputes is not only inadequate but also unlawful. 

I demand the following : 1. Conduct a proper reinvestigation of the disputed accounts in accordance with the requirements of the FCRA. FCRA 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), Experian is required to send me documentation of the procedure used within 15 business days of the completed investigation for determining the accuracy and completeness.

2. Provide the requested method of verification for each account, including the name and contact information of the person that verified the accuracy of the information. What date and time did this conversation take place? How did you come to this determination that these accounts were " verified as accurate ''? 

3. If verification can not be properly provided with concrete documentation, immediately delete these disputed accounts from my credit report.

Failure to comply with these demands will leave me no choice but to escalate this matter further. I will not hesitate to file complaints with the CFPB, Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action to ensure my rights as a consumer are upheld. 

Account Name : XXXX, XXXX | Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Name : XXXX XXXX Bank XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account Number : XXXX Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX This is your final opportunity to resolve this matter amicably and in full compliance with federal consumer protection laws. Please provide a response within the legally mandated timeframe. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX {$1100.00} Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to report negatively against my credit both during a home loan modification process this past XX/XX/XXXX. Additionally, this company has refused to report payments received since XX/XX/XXXX. The company refuses to furnish the home loan modification agreement and is reporting my payments for over a year as unpaid. This company refuses to answer or return calls. I have been told that I have a " case manager '' overseas in the XXXX and have never spoken to anyone directly. This company continues to commit FRAUD against my credit report and collect monies that are not applied to my account. I have filed complaints over the past year with PHH mortgage and have not received a single follow up. Today I was on hold for 2 1/1 HOURS and have not received a single follow up. HELP PLEASE!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX : {$1400.00} XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$80.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : {$100.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$790.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Aldous and associates were asked by the manager of the fitness center to completely remove the collection off of my credit report due to the fact that the debt was paid directly to the gym prior to the collection being applied to my credit file. An associate of Aldous and associates confirmed in email that the collection would be removed/deleted. It is still on my credit report as of today. This collection needs to be deleted immediately as it is having a negative impact on my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. 

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 have called numerous times about this issue as well as sent more than XXXX letters on the topic ( sending a XXXX letter this evening ). XXXX approved a forbearance on my mortgage during XXXX in XXXX and payments started back XX/XX/XXXX. In XXXX of XXXX, XXXX tried to double my escrow thus increasing my mortgage by several XXXX dollars per month. I inquired with XXXX regarding why my escrow was so short but they refused to answer. Eventually, I presumed that the escrow owed during forbearance was being added back to my account ( although this did not happen on my other mortgage, I think that it was pushed to the end of the mortgage instead ). Regardless, they never provided an explanation so I continued to pay the correct amount due while satisfying my taxes & insurance myself ( paid both in full ). So ever since XXXX of XXXX to date I have made the correct mortgage payment and in XXXX, I paid full taxes and insurance ( on top of my mortgage payment ) to compensate for the missing XXXX escrow caused during forbearance. On XXXX occasions, XXXX lost my payment and I had to resend the payment. Around XXXX of XXXX, my loan was sold to SPS and they have refused to adequately investigate this issue. They are still claiming that I am a full month behind on payments yet there was no where near a XXXX XXXX delta in escrow between the XXXX and XXXX years thus this can not be correct. I am being requested to make another full payment and I'm being charged late fees and being mistreated through this whole ordeal. I hope that you can provide some assistance to finally get this resolved and force SPS to adequately correct this error on my account.
Product: Checking or savings account

I received a text message from a random number that was not from my bank saying that my debit card has been blocked due to unusual activities. The number that texted me is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud. I did not apply for any credit with the company and I realized It was I looked over my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-XXXX XXXX put me in a collection without my knowledge, but when I paid the just to avoid negative impact on my record I asked for it to be removed the first time they said in few weeks XXXX and it never was removed and today, XX/XX/2021 they tell me they will not remove it even it was paid in full. 

2-XXXX  and Equifax are not telling me any updates about fraud charges for hospitals that were no accurate, I have been in this dilemma for 4 years, every time is the same problem. 

3- My information was compromised according to the Equifax breach and there is information that shouldn't be on my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, To whom it may concern, I paid XXXX XXXX XXXX double mortgage payment for the month of XXXX. My account was recently transferred and my previous company sent XXXX XXXX a paid mortgage payment on their end and I paid a full payment in my end as well. When I spoke to a representative, they mentioned that the payment was in the principle account and would be transferred for my XXXX or XXXX payment. I was a new transfer to XXXX XXXX  and received minimal assistance with my double mortgage payment issue. The representative mentioned that due to current COVID-19 policies, they would not report any late payments, especially since I already have the payment in the principle. They took a long time to transfer the payment and after numerous calls, the mentioned they there were delayed with servicing everyone. The late reporting on my credit report should have never occurred. I am disputing to have the report removed from my credit. XXXX XXXX has rendered the worst customer service since my mortgage was transferred to them. They were very slow to assist but reported a late payment after I was told that they would not have under COVID-19. My credit has dropped 80 points and I would really appreciate the assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX 's National XXXX XXXX XXXX XXXX it was received XXXX XXXX I told the Credit bureau to investigate every piece of information on the accounts listed below. Also I have attached the letters I sent out here are the Tracking Numbers. 

Here is my Certified mail Tracking Number : # XXXX I also Sent a 2nd letter on my " Consumer Rights to Privacy '' it was received XXXX XXXX Certified Mail. 

Here is my Tracking Number : # XXXX However the Credit Bureau said they Completed the Investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a -Definition The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general, reputation, personal characteristics, or mode of living obtain through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to.And how did they complete this investigation. 

Accounts Name and Number : Office Of THE ATTY GEN XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

I purchased product from the company XXXX using a pay in four service, XXXX. I returned the merchandise within company guidelines for a full refund. The money was returned to XXXX which was then refunded to my account at Capital One. XXXX provided me with the following ARNs for the refunds : XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$130.00} ) XXXX : XXXX ( {$26.00} ) and XXXX ( {$100.00} ) Only two transactions for {$130.00} were actually returned to my account. Capital one has instructed me to try many different things including filing two different disputes and a deposit search, all of which did not return in my favor. XXXX is no help, and neither is capital one. Someone has my money and they refuse to give it to me.
Product: Vehicle loan or lease

XX/XX/XXXX, Capital One repossessed my vehicle. On that same day, I noticed an email addressed to me from Capital One indicating my vehicle was scheduled for repossession. The email went to my spam. I immediately called Capital one and they informed me that my vehicle was scheduled for repossession and that I could stop same with an owed {$480.00} payment. I explained to them that I thought that bill was paid and that contrary to the representations of Capital One, my phone number should not have been placed on a " no good '' list. This interfered with the payment notice getting to me before Capital One initiated repossession proceedings. They assured me that the repo would be recalled as long as I made payment before the close of business. I was at the XXXX XXXX conducting business with my business partner who offered to pay the bill. Within an hour of the phone, before I returned home, and long before the close of business, my vehicle was repossessed by Capital One. The bill ballooned from {$480.00} to thousands of dollars at that point as Capital One wanted reimbursement for repo fees. After additional calls to Capital One, the bill went down between {$2100.00} and {$2600.00}. Capital One was unable and unwilling to reduce the fees to the initial {$480.00}, and on XX/XX/XXXX, Capital One informed me that my vehicle had been sold for an undisclosed amount. This is violative of the spirit and letter of the Truth and Lending laws. My phone number did not belong on a " no good '' list, this caused me to lose substantial notification time and the vehicle. Next, the repo should have been stopped upon our phone agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

We used XXXX XXXX XXXX  to refinance. Who ran my credit. They sold it to PHH mortgage, who ran my credit twice and it dinged me. I want to know why they did this!
Product: Credit reporting or other personal consumer reports

Hi my name is LINE XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

The reporting of the account from XXXX XXXX XXXX XXXX XXXX  AT {$1000.00} LISTED AS CHARGED OFF/ CLOSED. Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. This Account was written off XXXX and paid. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1681 ( XXXX ) ( b ) and SECTION XXXX 15 U.S.C 1681b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Student loan

I have requested multiple times from Mohela to provide a detailed payment history showing a running balance of my loans since their effective date to understand how my balance increased greater than the original principal balance. They will only provide a general summary
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX. XXXX, XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$4300.00}, Original Creditor XXXX XXXX, XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX  ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you requesting an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra XXXX  days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Credit card or prepaid card

I have an Apple Card issued by Goldman Sachs. On Friday XX/XX/2019 I disputed a transaction that was pending from XXXX. I did not approve this transaction, and XXXX couldn't give me any information on the order. Immediately after I disputed the transaction my card was restricted. meaning I can not use the card. When asked about this restriction I was told that it is restricted, no further information is available ' and i'll have to wait for a phone call and they don't know when it will occur. 

It is now 2 weeks later on XX/XX/2019 and the account is still restricted with no end in sight. Customer service is still unable to assist in any way. 

Additionally, they refuse to close the account despite repeated requests.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 those account 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 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

The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both XXXX, and XXXX XXXX XXXX have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.
Product: Credit card

I was contacted by XXXX XXXX XXXX saying they were a collection agency and that my credit card was over XXXX days past due. I said that I always paid my bills on time and had just sent in a huge payment because I received my tax return. This credit card was not opened by me. I have never seen it, used it, nor signed for it. The address and phone number associated with the card was not familiar to me nor were they a part of my history. These were XXXX and XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The man I spoke to at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ) said that they called that number on XXXX and the person who answered said wrong number when they asked for me, XXXX XXXX. The ID for my case at XXXX XXXX XXXX is XXXX. I have placed freezes with all three credit bureaus. I also have filed a police report. My police report number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed XXXX   XXXX XXXX, XXXX XXXX credit hard inquiries without my knowledge. The unknown and unauthorize hard inquiries in question was apparently made by XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX. I have not informed or recalled of any association with these company. I have contacted XXXX  XXXX, and XXXX XXXX   requested them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and proceed necessary steps to resolve the issue. I wanted to contact all the credit agency as well, just to make sure the issue would be resolved immediately.
Product: Credit reporting or other personal consumer reports

Sure, heres a draft you could use : -- - **Summary of Experian Credit Report Issue : ** I recently discovered that Experian made errors on my credit report, which significantly impacted my credit score. These mistakes included inaccurate information related to my account history, payment statuses, and credit inquiries. Despite attempting to resolve the issue by contacting Experian and submitting dispute claims, the errors persisted for an extended period. This not only caused frustration but also affected my ability to secure loans and other financial products at favorable terms. The situation has been an ongoing issue, and Ive had to invest a lot of time and effort into correcting the inaccuracies on my credit report.