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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX  XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXXXXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXXXXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Late/Closed XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXXCharged off XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : $ XXXX Charged off XXXX XXXX XXXX Account Number XXXX Date Open : XXXX XXXX, XXXX Balance : $ XXXXLate/Closed XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number XXXX Date Opened XX/XX/XXXX Balance : {$5500.00} Collection XXXX XXXX XXXX, XXXX, AZ, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX Open XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1000.00} Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Open : XX/XX/XXXX Balance : $ XXXX-Late/Open XXXXXXXX XXXX XXXX  Account Number XXXX Date Open : XX/XX/XXXX Balance : $ 10,956.00-Late/Open XXXX XXXX XXXX XXXX Account Number XXXX Date Open : XX/XX/XXXX Balance : XXXX XXXXLate/Open
Product: Credit card or prepaid card

I purchased the tickets for my wife ( XXXX XXXX ) and son ( XXXX A XXXX ) through AMEX travel online back in XXXX. They took the outbound flight from XXXX  XXXX to XXXX, XXXX but their returned flights from XXXX, XXXX to XXXX  XXXX was cancelled by the airline due to the COVID-10 pandemic. Once I heard about the cancellation I reached out to AMEX travel online team and asked them to reschedule our flights on the next available flight but we were denied multiple time and were asked to pay an additional fees and fare differences in order for us to be booked on the next available flight. These fees and fare differences are only applicable when the traveler changes their plan but per the airline policy these fees and fare differences are not applicable when airline have to cancel their flights for any given reason. Eventually, we were able to return by catching the U.S government chartered flight but to this day I have not received my refund for the unused tickets ( return flight ). I have tried to dispute it with AMEX dispute department but AMEX travel online keep telling them that its a non-refundable ticket. Which is once again a miscommunication by AMEX travel because I even reached out to XXXX airways and they said that " we are eligible for a refund due to the present circumstances and the fact that the flight was cancelled by the airline. '' AMEX dispute department representative even called XXXX XXXX to verify this information and she was in agreement. Once, she confirmed I was then transferred to the AMEX travel representative in order to have my refund processed after being on hold for about two and half hour I was told that my refund was processed. This happened back in XXXX but today I received a message from AMEX dispute department saying that they received a communication from the merchant ( AMEX travel ) saying that the tickets are non-refundable. They have been constantly miscommunicating and refusing to return our due amount. It has been almost three and half months ever since we returned home and we are still struggling to get our money back. 
Our trip ID is : XXXX Record Locator : XXXX I would appreciate your keen investigation in this matter. 
Thank you
Product: Credit reporting or other personal consumer reports

Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a complaint, No. XXXX against TransUnion and XXXX. 
This refers to TransUnion, which provided an answer. This complaint is primarily against the CFPB. You closed my complaint. The issue was two fold ; they took more than the statutory limit of 30 days to reply ; and they did not provide verifiable proof of the item in question. To merely state that THEY verified is insufficient to meet the requirements of the FCRA, and for the CFPB to simply relay and mimic their answer is not acceptable. In two weeks I will file suit in U.S. District Court to do what the agency should do, enforce the law.
Product: Credit reporting or other personal consumer reports

This company XXXX XXXX XXXX XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Mortgage

My checking account where an auto pay was set up with Loan Depot was compromised in XXXX of XXXX. At the beginning of XX/XX/year>, I gave Loan Depot my new bank information so they can use it to charge my new account for the XXXX mortgage payment. However, due to delays, incapability and incompetency on Loan Depot side, they were not able to charge my new bank account and still tried to pull money from the already compromised, which of course, did not work. Loan Depot then charged me a late fee of XXXX although I already gave them the new auto pay info before the due date of the XXXX payment. Spoke with agent and was told the fee could not be reversed. Requesting a refund on this as there is no fault on my end.
Product: Credit reporting

For the last XXXX years since i graduated XXXX, i have not been able to receive a copy of my free annual credit report, or my credit score. I have not taken out any mortgage loans, but i have reason to believe someone has taken XXXX out in my name. The information i input into the system is not matching up with what the credit bureau has, even though my information is accurate. This leads me to believe there has been some fraud going on. I need to be able to look at my credit report to see what is on it. I am XXXX and can not get a credit card. I do n't want this to happen to any one else.
Product: Student loan

On XX/XX/XXXX loan servicer, Edfinancial, has added interest charges of $ XXXX to my account, back dated the interest charge to XXXX of XXXX, then applied credit adjustments to the back dated interest charges. 

When I asked Edfinancial why they charged me interest of $ XXXX in one days time, I was first told, it was due to my daily interest rate. When I explained that XXXX  % interest on a $ XXXX balance does not equate to $ XXXX interest being charged in a single day, Edfinancial then said they would research it.

I received a call back from an Edfinancial supervisor who said they looked into the matter and advised me that the $ XXXX in interest was per instructions from the Dept. Of Education to provide me with a $ XXXX interest CREDIT. When I pointed out that they incorrectly charged that interest to my account instead of applying it as a credit, I was again told that it would be looked into, yet no timeline could be provided as to when it will be corrected. 

Meanwhile, Edfinancial now reported to XXXX that my account balance is $ XXXX HIGHER due to the wrongfully added interest. 

More importantly, they applied other credits after back dating the $ XXXX interest charge, which should've been applied to my principal. They basically back dated an income interest charge and stole my credit adjustments by applying it to interest that should've never been applied. 

Edfinancial has an email system geared to frustrate the consumer. After trying to submit an email on their portal it kept refusing to submit due to an " invalid character. '' Yet their website does not advise you of which character is invalid. It took me about XXXX minutes of trial and error, and I discovered that their website won't accept the characters : - or '. Thus you can't shorten words such as " can't '' which eat into the XXXX character limit Edfinancial allows. Such an opaque means to send Edfinancial an email must be a method to deter the end user from contacting them.

I finally received a response from Edfinancial, yet they provided me with first, an email that didn't even address my question and only directed me to contact XXXX. Keep in mind if I asked XXXX questions about this, they direct me back to my loan servicer. Secondly, they responded after I pushed for further response, with an email that yes, the interest was applied incorrectly, yet they've done nothing to correct my account balance and interest continues to accrue based on an principal balance that is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX/ Acct # XXXX ) on the date of the last activity section. XXXX is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and Equifax is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX  XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX. Charged off account Line of credit 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 XXXX XXXX
Product: Vehicle loan or lease

Commencing from XX/XX/2023, I have been in regular communication with Chacon Autos through calls and emails, addressing a grave billing error from their insurance department. Dishonorably, they have been deducting an extra {$100.00} from my account every month for not having insurance despite my consistent submission of the insurance declaration page. Disturbingly, Chacon Autos insurance department has refused to update their records accurately, leading to persistent illegal billing. I have taken drastic measures by reporting Chacon XXXX XXXX, situated in XXXX, MN, to the Texas Consumer Bill of Rights for these illegal charges. Unfortunately, the Texas Department of Insurance 's investigation has confirmed that Chacon Autos XXXX is not authorized to operate in the state of Texas. Despite my repeated requests, the representative has flatly refused to provide me with a direct contact phone number to their insurance department. Hence, my only option is to communicate with their insurance department via email.
Product: Checking or savings account

I called on XX/XX/XXXX  to open a fraud claim under the case XXXX, a few days later I received teh affidavity letter and noticed that the representative made a mistake and didnt include all the fraudulent transactions on the claim, so I sent a letter explaining the situation. 
Now the claim was denied and I can guess was because that mistake. The answer from the bank said that the card was present and with chip at the moment of the transactions, the chip can not be duplicated. 
I never been to XXXX XXXX and XXXX. 
My card was lost and I reported to the bank as soon I noticed on XX/XX/XXXX trought the online banking and proceeded to lock my card. 
I called the bank today XX/XX/XXXX, and after 1 hour 15 minutes talking was almost impossible to get a solution. My time is money, and I cant wast it in all of this inneficiencies and negligences.
Product: Credit reporting

this is not mineAccount nameXXXX XXXXAccount numberXXXX .... 
Recent balance {$0.00} as of XX/XX/XXXXXXXX openedXXXXXX/XX/XXXXStatusForeclosed. 
In dispute XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXAddress identification numberXXXXTypeMortgageTerms2 YearsOn record untilXX/XX/XXXX XX/XX/XXXXCredit limit or original amount $ XXXXHigh balance $ 0Monthly payment $ 0Recent payment amount $ 0Date of statusXX/XX/XXXXXX/XX/XXXXFirst reportedXX/XX/XXXXXX/XX/XXXXResponsibilityIndividualReinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I asked XXXX XXXX  to provide me with original documentation that proved information they submitted on my credit report. I requested the information to XXXX ( XXXX ) and XXXX XXXX XXXX ( Collection agency ) by email, and certified mail. I do not recognize any loans owed with the amounts XXXX XXXX  reported to the credit bureaus. In XX/XX/XXXX, a private loan that appeared in my name with XXXX XXXX for the amount of {$9300.00} was canceled, for personal reasons I did not continue in the program and requested that the loan be returned to the creditor. In XX/XX/XXXX I received approval from the Borrower Defense to Repayment due to XXXX XXXX XXXX improper practices and high-pressure sales tactics to retain students. causing students to become involved in hard-to-pay student loan debt and received discharge of all federal student loans with XXXX XXXX. In a previous complain that I submitted with your company, XXXX XXXX  stated that they sent the information by an attached link, but that was not correct. There was not any documentation.
Product: Mortgage

I have reapplied with Ditech for a loan modification and was just told that they can not stop my sale date for XXXX/XXXX/XXXX because they needed my paperwork updated since mid XXXX. I had sent in an updated package on XXXX/XXXX/XXXX later to learn that the fax number they gave me to fax my documents to takes up to 10 days to update on their system. I was given a different fax number on XXXX/XXXX/XXXX to which I sent in my package again and was told that it would be looked at within 24 hours. I called on XXXX/XXXX/XXXX to check on the status and was told by XXXX of the account managers that she would forward the paperwork over to the appropriate department so they can see if the could postpone my sale date. I called again on XXXX/XXXX/XXXX for another update and was rudely told by a supervisor on why I was requesting a sale date. I told her that I wanted to request a postponement because I had submitted all the required documents for a review and she rudely said that they need 37 days. She asked me repeatedly why I wanted a postponement, speaking to me rudely and as if I was bothering her, and I said because of the modification documents that I updated. I then asked if she could send me a decline letter stating this information because I honestly did not believe her by the way she was talking to me. I asked if she knew what date that they were going to mail the decline letter out or if XXXX had been generated and again she did not know and she sounded like if she was just making up an excuse not to review the file. I did n't argue with her but I honestly think that Ditech just wants me to lose my house or that the rep I spoke to was having a bad day and just did not want to help. All the previous reps I had spoken to did not mention that a postponement could not be granted given that my file is complete.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX # XXXX XX/XX/year> -- {$1000.00} XXXX XXXX # XXXX XX/XX/year> -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX with the account number # XXXX. This account is fraudulent and is currently showing up on my credit report. I have already attempted to contact the company, but have received no response. Please investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello there are accounts there I disputed that was not verified as mine nor I do u recognize them. There are four accounts from the date of XXXX XXXX, there are two account with the date of XXXX XXXX both connected to US Dept of Education. I contacted the creditor and they could not provide me with any signatures by me agreeing to any to loan therefore these items has to be removed immediately. I am not working with a third party, this is only me XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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

CURRENT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer reporting containing any of the following items of information Any other adverse item of information, other than records of convictions of crime la which antedates the reports by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, LexisNexis has failed to respond to my latest dispute. They have violated the FCRA, it has been more than 30-days.
Product: Debt collection

I am being sued by XXXX XXXX XXXX in the state of California. The debt I created with XXXX XXXX XXXX was created in the state of XXXX. I did not sign for the debt in the state of California. Why am I being sued in the state of California? 

Also, I received a letter from XXXX XXXX , Executive Office of Customer Advocacy for XXXX, dated XXXX XXXX, 2015. This letter was pertaining to an investigation that XXXX performed concerning my previous CFPB complaint. She stated that Winn Law group reported that there were XXXX repayment options offered to me which I declined. This was a false statement made by Winn Law Group. I was offered only XXXX payment option which was a 60 % reduction of the balance in a XXXX lump payment or XXXX monthly installments. I declined the offer because I thought the debt had passed the statue of limitations to be sued on in the state of California. So, I decided to make a complaint to the CFPB for relief of this debt. Additionally, the Winn Law Group stated to XXXX that I declined another offer of a two year repayment plan. The law group never made an offer of a two year repayment plan to me. This is false. When I spoke to XXXX XXXX, a lawyer at Winn Law Group, I told him that they never mentioned more than XXXX option of repayment to me ; however, if there is another option for me, I would prefer a 60 % reduction of the balance with a first payment of {$3100.00} and the remainder to be divided into XXXX monthly installments of {$260.00}. XXXX agreed that this was a doable arrangement ; however, I did not hear from him anymore on the matter. I faxed him a copy of XXXX XXXX ' letter for his records. 

I received a letter from Winn Law Group dated XXXX XXXX, 2015 stating that they have verified my debt with XXXX and it is their intention to continue with collection activity. I was instructed to consult an attorney if I have any questions about my liabilities. 

I have made XXXX attempts to make a financial arrangement to settle this debt ( my XXXX offer was a lump sum of {$3000.00} dollars ) and Winn Law Group does not appear to be willing to settle this debt in a civilized manner. I am trying to avoid payroll garnishments and unauthorized withdrawals from my bank account. As a consumer, what can I do to protect my assets when I have tried to make repayment arrangements?
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax on several occasions that their are several errors, inconsistencies, and FCRA violations on my credit report. I made it clear in my dispute letter that I did not consent to EOSCAR yet Equifax used it to process my dispute. 

Equifax did not investigate the errors or delete the inaccurate accounts due to FCRA violations. They are obligated to conduct an investigation ; however, they did not due so and are in direct violation of their requirements under the FCRA. 

They responded to my dispute indicating the accounts were verified ; however, if they would have reviewed my dispute and supporting documentation provided, it would be clear that the account could not possibly have been verified because all 3 credit bureaus are reporting different information for the same accounts. 

To add insult to injury, in XXXX of XX/XX/XXXX for 3 out of 7 of the disputed accounts, the creditor notified and reported to the credit bureau that there was a XXXX balance. 1 week later ( XX/XX/2020 ), after closing my dispute, the credit bureau added the balance back to the accounts stating the information is verified. The balance date reflected in my updated report shows the balance is as of XX/XX/2020. This means the credit bureau is not reporting the creditor update provided in XXXX and therefore is knowingly reporting inaccurate information. 

As of XX/XX/2020 Equifax is still reporting inaccurate information and despite my attempts to dispute, Equifax is not removing or correctly the inaccurate information. This is a direct violation under FCRA.