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

Experian continues to report inaccurate information. There are several names on my report that are inaccurate. My name is XXXX XXXX there should be no other name on my report and any other name is not known to me or am I known by. My address is XXXX XXXX XXXX XXXX XXXX XXXX  any other address is not mine and not deliverable by the United States postal service. Removal them immediately. Remove all phone numbers they do NOT belong to me. All of these numbers are inaccurate.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate, incomplete, and unverifiable information reported on my credit file by Equifax. These inaccuracies include personal identifiers, addresses, and account details. Specifically, I contest : 1. Incorrectly reported names, including variations of my name that are not authorized or accurate.

2. Outdated or incorrect addresses listed as current or previous residences.

3. Employers and other personal identifiers that are not mine or improperly reported.

4. Derogatory account information that lacks substantiated evidence of accuracy, completeness, and compliance with the FCRA and Metro 2 standards.

Actions Requested : Remove all unverified or inaccurate information from my credit report immediately.

Provide validation of any reported information in compliance with the FCRA and industry standards.

Ensure reporting aligns with Metro 2 guidelines for accuracy, timeliness, and integrity.

I have included supporting documentation to verify my identity and establish the correct and accurate personal identifier information.

Legal Basis : I believe these violations of the Fair Credit Reporting Act ( FCRA ) and FACT Act expose me to harm through incorrect reporting and potential misuse of my personal information. I request the CFPB to investigate and ensure that Equifax corrects or removes these inaccuracies immediately. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit reporting agencies to review this items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 


TransUnion : 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: Credit reporting or other personal consumer reports

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.
Product: Student loan

I was in contact with a company called XXXX XXXX XXXX, XXXX, advising me that they would be able to assist me with enrolling in the Loan Forgiveness Program as I am in the XXXX field. I was advised by them that I would be charged a fee of {$1300.00} for the service and have been paying that off monthly through Equitable Acceptance. I still have a balance of {$960.00}. Last week a colleague of mine stated that I was not supposed to be charged for doing this. I would like Equitable Acceptance to refund me what I have paid so far and remove the remaining balance that they have wrongfully charged me.
Product: Credit reporting, credit repair services, 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. 

XXXX/XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX  Account # XXXX, XXXX XXXX Account # XXXX , Has all 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 report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt loadurbances can have on your life if they're left unchecked! Debt loadurbances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Product: Debt collection

this credit card charged off in XX/XX/XXXX and is showing on my CBR that the balance is {$0.00} however, Bank of America Contacted me on XX/XX/XXXX via email. below the the mail they sent : Bank of America XXXX XXXX XXXX : This is a reminder that your account ending in XXXX with a balance of XXXX has been charged off because of missed payments. However, you 're still responsible for making payments on the outstanding balance until it 's paid in full. What you need to do Please call us at XXXX Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern to review payment options. We 'd be happy to assist you. If you do n't wish to discuss payment arrangements, please choose one of the following payment options : 1 payment of {$10000.00} 12 monthly payments plan ; First 11 payments of {$910.00}, 12th payment of {$920.00} 36 monthly payments plan ; First 35 payments of {$300.00}, 36th payment of {$310.00} 60 monthly payments plan ; First 59 payments of {$180.00}, 60th payment of {$180.00} Mail your payment ( s ) to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. Be sure to write your account number on the front of your check or money order. What you need to know The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. We will also not consider any payments you make under this offer as extending or restarting the time we have to file a lawsuit. Questions? We appreciate the opportunity to work with you to help you resolve this debt. If you have questions, please call us at XXXX, Monday through Thursday XXXX XXXX to XXXX XXXX or Friday XXXX XXXX to XXXX XXXX Eastern. Visit us online This is an attempt to collect a debt and any information obtained will be used for that purpose. This account is issued and administered by Bank of America, N.A. Correspondence may be mailed to Bank of America, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Payments can be mailed to Bank of America, XXXX XXXX XXXX, XXXX, DE XXXX. This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. Read our Privacy Notice : XXXX Please do n't reply directly to this automatically generated email message. Bank of America XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender : XXXXXX/XX/XXXX Bank of America Corporation. All rights reserved. This email was sent to : XXXXXXXXXXXX This is time barred debit and per FCR Bank of America sold the loan to a 3rd party and that party has removed the balance off my CBR - They should not attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis and other entities they are connected with is in correct my information has been compromised over the years with company like the credit bureaus the 2017 XXXX breach. I am/was out on the dark web and now when I am ask qualifying question they say this information is wrong when I know for a fact when I am getting verified the info they have does not match and then I am declined of I have to jump through some other hoops i need some one to call me to correct my file you guys are so untouchable this needs to get fixed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}
Product: Credit reporting or other personal consumer reports

M

y accounts 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 to be removed/updated.

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.

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!
Product: Mortgage

My mortgage with Bank of America was refinanced with another mortgagee. The new mortgagee paid off my Bank of America mortgage as of XX/XX/2021 ( at which point I started paying interest to the new mortgagee ). My FHA mortgage with Bank of America did not have a prepayment penalty, and I provided Bank of America the required advance notice of my intent to pay off the mortgage. Bank of America received 2 full months of interest in the payoff. I have requested that Bank of America refund me the overpaid interest which is {$440.00}, but they have not. I explained to Bank of America how the COVID protocols and the Texas winter storm were the reasons that the payoff occurred on XX/XX/XXXX. Therefore, the interest that covers XX/XX/XXXX - XX/XX/2021 should be refunded to me. Bank of America is only entitled to interest for XX/XX/XXXX - XX/XX/2021 which is {$830.00} ( 39 days for the {$180000.00} principal balance at 4.25 % ) ; they received {$1200.00}. I am requesting your assistance with getting the {$440.00} overpaid interest refunded to me plus any additional assessment as a result of their delay in handling this request.
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 actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File NoXXXX XXXXCFPB-XXXX  ) against them 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. These are the accounts that I have marked as inaccurate 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

Accounts has violated my rights 15 usc 1681 section 602 8 states I have the right to privacy 15 usc 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX XXXX  & Experian. 

I didnt hear back so I sent a demand to comply with investigation on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies. 

COVID-19 should not be a valid excuse for this!
Product: Debt collection

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Source Receivables Mng XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Please see below and help with the request for validation of the alleged account from my credit report 1. A copy of the original contract or original purchase agreement that created the alleged debt. If the original contract is sent it must include signatures of all parties, any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 
2. In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment contract and bill of sale for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any breaks in the chain. 
3. Also, include a full accounting history from the original creditor including the date and amount of each payment and the first delinquency leading to the collection status. Any interest or fees that have accrued or been added to the debt. 
4. If any Interest or fees have accrued or been added on to the balance, please send proof that such fees are lawfully agreed upon in the original purchase agreement. 
5. Also, send proof that you sent the legally required notices to me before reporting to this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. FTC vs. XXXX XXXX XXXX makes clear that debt parking without proper notice is a violation of consumer rights. 
6. Documentation showing the age of the debt and the original delinquency date.
Product: Credit reporting

I have disputed XXXX several times with the credit bureaus because of the numerous inaccuracies on my reports and the inconsistencies between the XXXX, however, all of the issues still exist as XXXX is unwilling or unable to provide accurate, consistent information which is causing issues with when this item is to be correctly removed as per the law. I have included the way in which the same exact account is reported by XXXX to the XXXX different major credit bureaus : Company : XXXX - XXXX XXXX XXXX XXXX Loan Type : Charge Account Other Charge Account Account Number - XXXXXXXXX XXXXXXXXX Account Holder : Individual Individual Account Individual Date Opened : XXXX, XXXX XXXX, XXXX XXXX, XXXX Status Date : XXXX, XXXX XXXX, XXXX XXXX, XXXX Condition : Not Updated Closed Closed Last Activity : XXXX, XXXX XXXX, XXXX Not Available Balance : {$0.00} {$0.00} - Status : Charge-off Payment after charge off/collection Account legally paid in full for less than the full balance History : Late 30 Days 0 times 0 times 0 times Late 60 Days 0 times 0 times 0 times Late 90 Plus Days 15 times ( 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 0 times 1 time ( XXXX XXXX ) Worst Delinquency : Bad debt/collection None Reported Collection High Balance : - {$190.00} {$190.00} Terms : - - Revolving REMARKS : Account paid for less than full balance / Paid charge off Settled -- less than full balance Account Paid In Full For Less Than The Full Balance As you can see, XXXX CB they are reporting the last activity as XXXX XXXX, XXXX it 's XXXX XXXX and the last they do n't even report a date at all. Then, in the 90 days + date late, to XXXX CB they report none, another they list XX/XX/XXXX and the other they list all the way from XXXX XXXX through XXXX XXXX. 
This account was sent to a collection agency at some point because I received a letter from them in XXXX XXXX. At the point this account was sent to XXXX XXXX XXXX , XXXX, XXXX was no longer the owner of the account, so their continued reporting of it after they 'd closed it is inaccurate. The date of XXXX, XXXX, is the month I paid this to the collection agency. 
I do not understand why XXXX continues to provide inaccurate data.
Product: Mortgage

my mortgage was transferred to Ditech few months ago from Green Tree, where i have file few complaints about charges they claimed they had made to my property, and the result to that complaint all fees were supposed to be waived. and a letter was sent the Office of the President also and the fees were supposed to be waived. Now Ditech who has my mortgage has been charging me something call ( CORPORATE ADVANCE BALANCE {$75.00} ) its under account information no real explanation why, but under my explanation of amount where it says escrow, interest, principal, now there is a total fees & charges of {$7.00} i called today to find out what are fees are for since, I spoke with XXXX # XXXX who told me its for repair that was done in my property so its been broken down every month. I have tried to tell her this issues were resolved but i could not get a word. My major concerns now my account has been bounced around from XXXX company to another company and their statements not even clear to understand the charges. I need help dealing with the charges on my account that are not supposed to be there and a better explanation of statement** CORPORATE ADVANCE BALANCE** no one understands what that is there for.
Product: Debt collection

In XX/XX/2017 I obtained a Comenity Bank/XXXX XXXX credit card, I bought a sweater for {$20.00} with such a credit card and mistakenly thought that I make the payment when finally realized my mistake it was to late and the account was already in collections, I was told that because the delay I will have to pay almost three times more of the original debt, I start to make the payments but unfortunately when I was in my last payment of approximately {$20.00} I lost my job and fall in a financial hardship. When I finally was able to recuperate from my situation I contact Second Round ( the colector ) just to find out that they want me to pay {$380.00} from the original {$20.00} witch I already pay approximately {$40.00} I understand i couldn't complete my original settlement but i come across a really hard situation and {$380.00} for an originally {$20.00} debt it seems unfair
Product: Debt collection

On the morning of XX/XX/2021 while getting in my car, I was approached by a neighbor in my apartment complex who informed me that a tow driver from LoanMax had come into our parking lot and began snapping pictures of my license plate and car. When the driver saw the neighbor, the driver informed the neighbor that the neighbor 's car would not be towed and proceeded to tell the neighbor that he was only seeking photos of my car and that my car was currently on " hold '' pending loan payment. He also showed the neighbor " proof '' that my car title loan was on hold. I did not authorize LoanMax to communicate with anyone other than myself. This is a direct violation of the FDCPA.
Product: Debt collection

This account opened XX/XX/2021 in the amount of XXXX. Aggressive contact attempts are made regularly.