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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's action may also contravene the Consumer Financial Protection Act ( CFPA ) 12 U.S.C. $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ; s recent administrative proceeding ( File No. XXXX ) against the for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Listed are some of the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) which under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure by no later than 15 days. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

I have been going through this process for almost a year with Carrington Mortgage. 

Our loan was sold to them from XXXX XXXX  due to XXXX XXXX  party payer failed to pay our taxes. So our loan was transferred, during the transfer Carrington did not load our Parcels correctly. Well XXXX parcel was being paid through Carrington while the other was never touched, due to this we were going into foreclosure. When I reached out to them, they stated that they paid all of the back taxes from our now negative Escrow. Which now has made our mortgage go from {$1500.00} to {$2200.00}. I explained to them that I reached out to XXXX and obtained the process of what they need to do to recoup the money from XXXX, XXXX also reached out to them, informing them that we had more than enough money in our Escrow that they can come in and get money just follow the steps that was sent to them. I have not heard back from Carrington, no one knows what to do, I am just livid that no one does not want to just follow the approriate steps to get the money back after XXXX have stated what they should do.
Product: Mortgage

Caliber Home Loans is my mortgage holder. The issue is, they have taken two monthly payments {$960.00} from my bank account in the same month of XXXX. On their website, once you schedule a payment the system automatically schedules another payment, which I cancelled right away, but they still took it out of my account, which placed a burden on me and my family. I live from pay check to pay check and I was expecting to have money in my bank account to cover car payments, insurance, etc. This is the second time it has happened. It happened back in XXXX and I let it go to cover my next monthly payment, at the time they said they can't reverse it. This time, the XXXX incident, I needed the money to be in my account as I explained, so I called the company and asked them to reverse the payment, I spoke to a rep and she asked my to stay on hold to get a supervisor and escalate the issue, she agreed that the payment should have not been taken out. The phone hangs up while I am on hold, I call back and speak to another rep and they tel me the same thing and to hold, after holding for more than ten minutes the phone hangs up again. I call again, the third time, I explain the situation again, they advised that the payment can not be reversed and that they have issued a check, no one has reach out to me to give me an option. Although, a check will not solve my problem since I need the money in my bank account immediately, but the check has yet to arrive. It has been more than a week. The last rep I talked to advised that she will have hang up on me because of my critical criticism of the company, I told the rep that this was an unacceptable behavior but she was not welling to listen to me just because I expressed my frustration " in a professional manner " with the customer service and their process
Product: Debt collection

I received a letter of demand for a payment of {$270.00} on behalf of an alleged creditor XXXX XXXX. XXXX XXXX has breached and refuses to answer or follow up with my investigation into this matter and a complaint has been filed with XXXX as a provider for breach of contract. I have paid XXXX services as agreed and have a contract with them regarding equipment that was installed in my residence. XXXX XXXX was a third party provider that did not honor the contract as agreed by XXXX. There should be no balance or money due! This is my final attempt at resolving this matter before civil litigation is pursued against XXXX XXXX and your lack of investigation for requesting proper documentation for any and all transfer of debt as required. I wait for your response in order to further resolve this matter.
Product: Debt collection

Previous complaint number XXXX. Company responded to the complaint with the following : There is no question that the consumer provided insurance information on the dates of service in question XX/XX/XXXX andXX/XX/XXXX, however, the consumer 's carrier denied payment for the claims. We have flagged the accounts as in dispute, and have provided the consumer with the required validation. We have verified with our client that the information being reported is accurate. My response to new complaint : If my insurance carrier denied payment for the claims you mentioned, this means that they notify you and they notify me. They never notified me, if they had notified me I would have investigated the reason back in XXXX. Therefore, I am sure that they notified you, so you have documents to back it up. Please provide those documents so I can contact the insurance carrier to investigate why they denied the claim and did not notify me.
Product: Credit reporting or other personal consumer reports

Heres the revised version including your follow-up actions : I am filing this complaint against Experian for failing to properly investigate and correct inaccurate reporting on my credit profile. I opened an auto loan with XXXX XXXX XXXX in XX/XX/XXXX and have consistently made on-time payments. However, Experian has reported my payment history inaccurately, with delayed postings and missing updates. For example, my XX/XX/XXXX payment was not reflected until XXXX, and my XXXX payment was not posted until XX/XX/XXXX. 

I filed a formal dispute directly with XXXX XXXX XXXX in XX/XX/XXXX, providing supporting documentation. I followed up with the original creditor again on XX/XX/XXXX, t and was advised to contact the credit bureau to dispute the issue further. This suggests that Experian has not conducted a proper investigation or contacted the original creditor as required under the Fair Credit Reporting Act ( FCRA ). 

When attempting to submit my concerns through Experians online portal, my comments were repeatedly flagged as invalid or offensive, especially when referencing the company name and payment errors. This created an unnecessary barrier to submitting a clear and factual dispute. 

Experians handling of this situation violates the FCRA, specifically : 15 U.S.C. 1681i : Failure to conduct a reasonable reinvestigation. 
15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy. 

The continued inaccuracy has negatively impacted my credit score and creditworthiness by misrepresenting my payment history and balance information. 

I am requesting : A thorough reinvestigation of this matter, including direct contact with XXXX XXXX XXXX. 
Correction of the inaccurate balance and payment history. 
A review of Experians dispute portal practices to ensure consumers can submit complete, factual dispute statements without unnecessary restrictions. 

I have attached supporting documentation, including : Payment history and balance information from XXXX XXXX XXXX. 
Screenshots showing the dispute submission errors and flagged comments. 

Thank you for your attention to this matter. Please keep me informed of the steps taken to resolve this issue. 

Let me know if youd like me to modify anything further.
Product: Debt collection

I received an alert that a collection popped up from Medicredit that I had never received notifications about, no phone calls or letters. After intense research ( because their website is not user friendly when you have never received a bill with an account number! and there is not a reliable customer service number ), I discovered that the bill in question was from when my son visited the ER at XXXX XXXX last year. Due to a divorce agreement, since I carry insurance on my son, his father is responsible for his medical bills which XXXX XXXX has documentation of. I will be in contact with the billing department on their next business day to get this straightened out, but I am filing the complaint against XXXX because despite that I have had no contact with this company, no phone calls, letters, anything to give me a chance to figure out the origins of this bill and my right to ask for a debt validation they had no problem reporting it to my credit while I am in the middle of a home purchase. This company should have noticed that they did not give me my right to ask for a debt validation and should have noticed that they have not been in contact with me over this matter ( because, it is not my bill.. ) before destroying my credit while in the middle of a home purchase! 

I have attached screenshots of mine and my ex husbands XXXX XXXX accounts under the billing section with the children 's names listed that we are guarantors of and a screenshot of an EOB from the visit the bill originated from with my sons name on it. I also have attached a screenshot of the demographics that is on my sons XXXX, which is his dads address and other contact information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my wife and I sent an investigation request to Equifax. We wanted them to investigate erroneous information that appeared on our credit file. My wife received her investigation results in a timely manner. However, more than 45 days have passed, but I have yet to receive my results. Our investigation requests were made simultaneously, so there is no explanation for why my response is delayed.
Product: Debt collection

I requested validation of this debt in writing 30 days ago and have not received any response. I would like to report them and have this debt removed off of my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ladera Lending ran the hard credit inquiry without my permission. I neither provided my social number directly to them nor XXXX indirectly when I made home refinance rate quote, and yet they still managed to pull the credit report. I talked to 5 lenders ( sent by XXXX ) including Ladera last few weeks, but nobody, except Ladera, pulled the hard report along with employment verification. Its very scary and unimaginable that they can do such things without any oversight.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 
1681c-2 and formally request that this information be blocked. Enclosed, you will find a copy of my Police Report and FTC Identity Theft Report ( XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days of receiving a valid identity theft report. The following information on my credit report is the result of identity theft and must be blocked immediately : Fraudulent Accounts in Collection : XXXX - XXXX XXXX XXXX - XXXX Incorrect Personal Information : Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Unauthorized Inquiries : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX This letter serves to inform you that I have become a victim of identity theft. I have contacted the Federal Trade Commission and filed an FTC complaint, which is attached. My credit report contains fraudulent accounts, incorrect personal information, and unauthorized inquiries that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit file i discovered unauthorized and unknown accounts being reported as ethic but they are not therefore im demanding these fraudulent accounts be removed and blocked from my credit file. 

1. XXXX XXXX {$270.00} 2.  XXXX XXXX XXXX {$350.00} 3. XXXX XXXX XXXX {$330.00} 4. XXXX XXXX XXXX {$540.00}
Product: Checking or savings account

I filed a claim with Citibank " On XX/XX/year>, a claim was opened under XXXX for transactions totaling {$19000.00}. A credit was posted to your account on XX/XX/year>. '' Citibank did not provide me with a provisional credit until 1 month later, I was not able to have access to my provisional credit as per the regulation E requirement, I received a cashiers check on XX/XX/year> with tracking number XXXX. I was unable to pay my rent and was evicted from my apartment. 

IOn XX/XX/year>, another claim was opened under XXXX for a transaction on XX/XX/year>, in the amount of {$720.00}, which a credit was issued on XX/XX/year>. The claim was also for another transaction on XX/XX/year>, in the amount of {$200.00}, which a credit was issued on XX/XX/year>. 

I was no given access too any provision credit which violates Regulation XXXX requirement for the bank. 

I have multiple other disputes with Citibank that I won and I have yet to receive any provisional credit. 

Citibank has held on to my funds and left me with alternative to pay my rent. which totals {$10000.00}. I now have a judgement against me from my landlord.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I spoke with a representative and got my car payments deferred due to COVID 19. The agent stated they were able to defer my XXXX and XXXX car payments, and that my car note wouldn't be due until XX/XX/XXXX. In XXXX the car was sold to a dealership who paid the car off, Exeter confirmed on XX/XX/XXXX they received the full payment on XX/XX/XXXX to pay the car in full. In XX/XX/XXXX Exeter reported a 30 day late payment to the credit agencies. I called and spoke to a representative on XX/XX/XXXX asking them why this was placed on my credit as there was never a late payment on the vehicle. The representative informed me that she seen where I called in in XXXX for the deferred payments however that agent never completed the setup. I asked well why wasn't I informed or why want any communication sent to me regarding this matter, the agent stated it was all set up. I also told the agent if what you are saying is true then the payment for XXXX and XXXX were late as the car not is due the XXXX of each month and they are reporting my XXXX payment was the only late payment. She informed me that she shows its inaccurate and they are going to get this updated immediately. I have spoken to countless representatives and was hung up on by a manager. I have been professional in this entire process and have tried working with Exeter to get this matter resolved. I had the vehicle for 3 years and I have never paid the car note late. I attempted again XX/XX/XXXX to resolve this matter and have explained to the finance company that I need to get this matter resolved as I am in the process of purchasing my 1st home and this hurting my credit and is untrue. I have not had an issue with Exeter and would like to do business with them one day in the feature, but the information they are reporting is FALSE and I have exhausted all my avenues to get this matter resolved.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX, for committing identity theft. I have never given XXXX XXXX XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e I have not validated any alleged debt with ( COMPANY ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXX XXXX XXXX, any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXX XXXX XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Vehicle loan or lease

I have an auto loan from AMERICA FIRST BANK, I am filing a Complaint against the bank. The bank has not responded to my letters for 6 months. The bank deceives and forces its insurance on me at an inflated price, while hiding the name of the insurance company. The bank has never provided me with a translator, discriminating against me on linguistic grounds. The bank monopolistically imposes only one insurance company, possibly the bank 's management received a bribe from the insurance company ( I will file a complaint with the FBI ). The bank is obligated not to impose an insurance company, but to offer customers a choice of several companies. There is no option on the bank 's website to make payments with a card from another bank, which is nonsensical in the 21st century of technology. I suspect the bank of violating antitrust legislation, corruption, discrimination, deceiving customers, manipulations. The bank must provide me with a translator, refund the insurance money, respond to my letters at loan @, review a lower interest rate, compensate me for moral damages and caused suffering and inconvenience, wasting my time.I regularly pay XXXX dollars every month
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. 
I was a victim of this data breach. I have uploaded proof in the attachments below. So please delete all inquires and accounts that are affected because of your data breach. My information was sold, used and shared without my consent. According to The Privacy Act of 1974 it prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. MY RIGHTS HAVE BEEN VIOLATED SO PLEASE DELETE ALL INQUIRIES AND ACCOUNTS ON MY CREDIT REPORT BECAUSE ALL HAVE BEEN COMPROMISED!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information is being reported by XXXX XXXX, XXXX, Experian, and XXXX. 
As of XX/XX/XXXX, there has been no activity. Despite being charged off, this company continues to make bad faith and erroneous reporting of this account to lower my credit score every month. Latest reporting XX/XX/XXXX. In light of this malicious activity, I have been unable to obtain housing in accordance with the Fair Housing Act because of the hardship resulting from it.

I am looking for an immediate remedy and sanctions against this company and XXXX XXXX XXXX XXXX XXXX for violation of The Fair Credit Reporting Act 609/623/611. 

Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$420.00} No. of Months ( terms ) : 0 0 0 High Credit : {$470.00} {$0.00} {$470.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$420.00} {$420.00} {$420.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting

I have disputed several items on my credit report and they have not responded with proper proof or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.