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

Equifax has been providing, submitting, and disclosing incorrect/inaccurate info : for sometimes now from, XXXX XXXX XXXXXXXX, up until presently ( XXXX )! What's differently now is this : I had recently opened a credit card acct, with XXXX XXXX! That decision alone didn't set, so well with Equifax, and more certainly not with XXXX XXXX neither! So therefore they ongoing dysfunction, and simply perjury has increased big time! All this is playing out, under their third-party vendor platform XXXX XXXX XXXX XXXX  XXXX Equifax tells, and authorizes XXXX XXXX to do, say, show, and displays! Then you best to believe it ; they wasted no time, doing just that without question! As a result of XXXX, and XXXXXXXX XXXX connections/partnership in some capacity! It has caused the following : I had to close my acct, with them prematurely, and voluntarily, and Equifax on the behalf of XXXX XXXX had conspired, to caused unnecessary discrepancies, Inaccuracies, and confusion to my credit report/score!
Product: Mortgage

the original loan offer was not what was on the closing statement. I was pressured to sign at the last hours before my previous mortgage payment was due. The facts of the new mortgage were never disclosed to me. EMORTGAGE added a point to the closing costs and manipulated the escrow to make it seem like the payments would be lower.
Product: Credit reporting or other personal consumer reports

I sent a letter to all 3 major bureaus demanding that they remove any, and all late payments on my credit report. All 3 agencies received their separate letter on or before XX/XX/, 30 days from today. I checked my most recent credit report, and the payments still have not been removed. Per 15 US 1618b - Permissible Purpose of Consumer Report. The law states that ( a ) XXXXN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus, Experian, XXXX and XXXX on XX/XX/XXXX and nothing has been done.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX, and Equifax regarding the reporting of an account associated with XXXX XXXX. The reporting of this account is inaccurate, misleading, and violates consumer protection laws. I am requesting the immediate deletion of this account from my credit reports for the following reasons : Disputed Ownership of the Account- There is significant uncertainty as to whether this account is even mine. I have not received proper validation from XXXX XXXX  or the credit reporting agencies, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ), which mandates accurate reporting of consumer accounts. 

Settlement Paid but Reporting Errors Persist- I paid a settlement amount for this account, and it was reported as " Account legally paid in full for less than full balance '' as of XX/XX/year>. Despite this, the account continues to reflect a " XXXX XXXX '' status with multiple late payments. This is a misleading and punitive representation of my credit profile, violating FCRA 15 U.S.C. 1681e ( b ), which requires the reporting of accurate and fair information.

Failure to File Form 1099-C - Axcess Financial/Check-n-Go has reported the account as a " Charge Off, '' indicating a loss to them. However, under IRS regulations, if a debt cancellation exceeds {$600.00}, a Form 1099-C must be filed with the IRS, as per IRS Instructions for Forms 1099-A and 1099-C. No such form was issued, suggesting the reporting of the charge-off is inaccurate and improperly documented.

Breach of Reporting Obligations - The failure to validate ownership of the account, combined with the absence of required tax documentation, constitutes a significant breach of consumer protection obligations. Under FCRA 15 U.S.C. 1681i ( a ), I have the right to dispute and have inaccurate or unverifiable information promptly corrected or deleted from my credit file.

Due to these breaches of the FCRA and reporting inaccuracies, I am requesting the immediate deletion of this account from my credit reports. The ongoing misrepresentation of this account on my credit profile is unjustified and continues to harm my financial standing. 

Thank you for your attention to this matter and for taking immediate corrective action.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX AND XXXX  ALLOW THE COLLECTION ACCOUNT WITH XXXX  XXXX   TO LEAVE INFORMATION BLANK AND INCOMPLETE. EQUIFAX AND XXXX   MUST REQUIRE ALL COMPANIES TO COMPLETELY FILL OUT ALL INFORMATION BLOCKS. IT DOES NOT HAVE ANY STATUS LISTED IT IS BLANK! EQUIFAX AND XXXX  PURPOSELY ALLOWS XXXX XXXX  TO LEAVE THE STATUS BLOCK BLANK. THE ACCOUNT IS CLOSED ACCORDING TO FEDERAL AND MARYLAND STATE LAW. THE ACCOUNT IS OVER 3 YEARS PAST STATUE OF LIMITATIONS IN THE STATE OF MARYLAND AND MUST BE LEGALLY POSTED AS CLOSED. THERE IS NO LEGAL OR LAWFUL WAY TO COLLECT ANYTHING. THE DATE OF FIRST DELINQUENCY IS OVER 3 YEARS OLD. XXXX, AND EQUIFAX ARE N VIOLATION OF FEDERAL LAW AND MARYLAND STATE LAW. THERE IS NO LAWFUL OR LEGAL RECOURSE OTHER THAN TO BE LISTED AS CLOSED! I SENT XXXX XXXX  A CEASE AND DESIST THEY CAN NOT CONTACT ME IN ANY FORM SHAPE OR FASHION! THE STATUS ALSO CHANGES EVERY OTHER MONTH FROM CLOSED TO OPEN TO BLANK! ONCE I FILE A DESPUTE ITS LISTED AS CLOSED THEN THE NEXT MONTH IT MYSTERIOUSLY OPENS AGAIN! XXXX XXXX HAS A PREDATORY BUSINESS MODEL AND THE CREDIT REPORTING AGENCIES ARE EMPOWERING THEM!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Collections account # ( s ) : XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a credit card with XXXX  and was denied under the guise that I previously held an account with a XXXX limit. I have never had a XXXX  card.
Product: Debt collection

This bunch of crooks LVNV aka Resurgent Capital who have been sued by the government and others repeatedly have placed three listings for collections on my credit report with XXXX and XXXX am sure XXXX and XXXX as well that I was never even sent a letter to verify as my debt!!! They are breaking the FDCPA and I want all accounts removed immediately and they are to cease and desist all further contact with me or my family or anyone I know or XXXX  will sue them!!! I disputed the accounts yesterday with XXXX and they did nothing but respond to them today and put a note that I dont agree!! I want all account documents for every charge ever incurred and the application with my signature on it provided to both your office and myself! They need to be SHUT DOWN!!! Enforce the FDCPA and FCRA!!!
Product: Credit card

I have not used the XXXX card in over 1 year, I have attempted to close the account on numerous occasions and the autamated system disconects me after a brief hold and recording. I have been threatened by a company on behalf of continental credit that they will persue legal action. I have not received any written correspondance from XXXX Credit card, and my online account shows no balance due as of XX/XX/2016. The acount remains open so they can charge me interest and fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

See Attached - I sent the wrong attachment with my first complaint for Experian so I am resubmitting with the correct attachment for the correct company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notified XXXX XXXX XXXX approximately 30 days ago to dispute a fraudulent credit card on my credit reports and they still have not validated the debt with me which is against the fair credit reporting act. There is no evidence of this debt being mine which in result needs to be deleted. XXXX XXXX XXXX has provided me no details in the investigation or evidence so I want deleted
Product: Checking or savings account

I had four accounts with Union Bank, which as of a week or so ago was absorbed by US Bank. US Bank appears to have successfully transitioned my two personal checking accounts. But something went wrong with my business checking and business savings accounts. While I can deposit money into and write checks on at least the business checking account, US Bank is telling me that I can not access the business checking account via US Bank 's website because of some problem during the transition. ( There may be a similar problem with my business savings account. ) Then they said I'd need to go to a US Bank branch to resolve the issue. Except the US Bank branch nearest me ( which used to be a Union Bank branch ) has no availability in XXXX or XXXX, according to US Bank 's website. When I asked for a supervisor, I was routed to a voicemail.
Product: Credit reporting or other personal consumer reports

I've been looking at info on my credit reports and noticed Credit Acceptance reporting late payments on an account that is just not true. This company has reported payments being 30 days late for XXXX of 2023 and this is not the case. I am arguing that Credit Acceptance had no legal right to report this information and it is not accurate at all. Under 15 USC 1681a ( 2 ) ( A ) ( i ) the consumer report does not include information solely as to the transactions or experiences between the consumer and the person making the report. Credit acceptance is violating my consumer rights on so many levels. I have also filed complaints against the agencies reporting this info for not validating that it is accurate before reporting it on my consumer file and damaging my credit.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 MONTHS REPORTING LATE 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. 

This company 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: Bank account or service

On Friday XXXX/XXXX/2015 I had used my debit card to make XXXX transactions final XXXX being XXXX and a XXXX transaction that took me XXXX dollars over my account limit. I have had my bank account for years now before the CARD Act of 2009 in which every time I was asked I REFUSED Overdraft Protection knowing the CARD Act of 2009 protects me from outrageous fees and is supposed to force banks to deny purchases when I do not have the funds availableFour years this was respected if for some reason I incurred a Overdraft Charge. I called Chase to inform them that these are illegal fees. I spoke with XXXX agents XXXX agent insisted the CARD Act does not exist and the other insisted that bank rules apply over the CARD Act. The manager claimed the CARD Act has nothing to do with debt transactions overdraft fees. Then the manager caved and claimed my XXXX XXXX charges were recurring fees and they have the right to overdraft as my purchases were shuffled. 

To where yes indeed it is true recurring transactions are allowed to be processed due to the card act and overdraft fees are allowed. XXXX is not a monthly fee not is it a recurring transactions and XXXX states on their site any bank listing it as such is mischaracterizing the charge. 

I am XXXX I understand rules and follow the law I do not understand how companies like this can try to go around the CARD Act of 2009. Its like they are trying to take advantage of people who do not know it exists. 

If anything I said is hard to understand PLEASE contact me as I am XXXX and my XXXX makes it hard for people to understand me.
Product: Mortgage

I recently obtained a mortgage with PenFed end of XX/XX/year>. In XXXX we thought we had set up auto pay to start with the XXXX payment. In XXXX I received an alert saying I was 30 days late from XXXX XXXX. We called in to find out why payment did not pull and were told we did not set up autopay. At this time my husband requested this be looked into and we made the payments to bring account current. He did not receive a call back so I then called in. I let the person know we have not received any statements. It has been confirmed the address in the loan system was set up wrong. The closing paperwork did have a correct mailing address that we were using. In addition we were told that PenFed did try to call but did NOT leave voicemail messages so we had no idea that there was an issue. The number that they call from does not indicate PenFed so we had no idea they were calling or it would have alerted me to an issue. In addition they indicated they did not have my contact number which I find strange since I can see it on the final application paperwork. Customer Service is now saying on XXXX we made a 1 time payment and then setup auto pay and then deleted autopay at the same time which does not seem correct or was an system error. If we had received any statements I would have known my payment was missed and made it prior to the 30 day late which has now impacted my credit greatly. We had also prior to the XXXX payment had the address updated but it was only updated in the retail side. We were not told until recently that you have to contact each department to update information. Customer service spoke with collections who has indicated that they will not change the reporting. Based on the fact that the company had information to reach me and provide a monthly statement I feel like PenFed contributed to my payment being late. I pulled up my final loan paperwork and show the mailing address was not the physical address and my phone number was on final loan application. PenFed would have received this paperwork from the escrow company prior to my loan funding. I am trying to work with customer service to get this resolved but have now been told 4 times that they will not fix this. I feel this is poor customer service and that they did not meet the requirement to send me my mortgage statement monthly. I also feel them indicating that they tried contacting us by calling but never leaving a message is not satisfactory.
Product: Vehicle loan or lease

I paid the loan off early after getting news of a possible layoff at work. The day before the pay off check cleared ( not able to pay online, through app or phone ) my auto payment went through. I called them and was told a check was going to be cut on XXXX, XXXX 2020. When the check did not arrive I contacted them and was told the check was mailed on XX/XX/2020. We verified the address and was told they would check with a manager. I have since contacted them many times and I get the same answer. I need the refund, I did get payed off and on unemployment. 

In addition to the full refund amount Id like interest at the same rate of the original loan and late penalties as also outlined in the original contract Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a delinquent account to Equifax that was not mine and I was never responsible for. I was never liable for this account and have asked XXXX to remove the account from my credit reports but they haven't.
Product: Payday loan, title loan, or personal loan

XXXX by XXXX SCAM! 


On XXXX XXXX, we signed a contract to install a bay window at the property address. 
Despite the excessively high price of {$11000.00}, we signed the contract and entered into a finance agreement with Greensky , LLC. 
The installation date was scheduled for XX/XX/2022 which was 4 months after the initial contract was signed. This was an excessively long wait for the window. 
Temperatures in XXXX are always well above XXXX degrees which allows seals and caulking to cure properly and for the window to be properly installed. 
On XXXX XXXX, the wrong window size was delivered to the home because the initial Renewal by XXXX representative took the wrong measurements of the window site. 
The inconvenience was addressed by XXXX with a discount as of XXXX XXXX in the amount of {$500.00} reduced from the initial price. 
The second installation date was scheduled for XX/XX/2022. When the window was delivered, it was AGAIN THE WRONG SIZE. 
The window was mis-measured TWICE by XXXX by XXXX staff XXXX The window was NEVER INSTALLED. Yet, I received a bill for {$7800.00}! This is a scam! They are taking advantage of an XXXX year old woman. This is disgraceful. The only resolution is to zero the balance of the Greensky account and apologize for wasting my time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights. 


XXXX OF XXXX Last reported XX/XX/2022 {$3700.00} Reported balance XXXX XXXX XXXX Last reported XX/XX/2022 {$3400.00} Reported balance XXXX XXXX XXXX Last XXXX XX/XX/2022 {$3400.00} Reported balance 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 authorization.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I requested a 1099C form from Capital One in regards to a charged off account, I was sent the form that had the balance information reflecting the total amount of debt that was canceled. On this form however the amount that was written off does not reflect the same amount that is showing on my credit report. Capital One states {$1800.00} was the amount charged off, however on my credit report it is showing that the amount charged off was {$10.00}, XXXX. This is inaccurate and must be removed from my credit report ASAP, not only are the amounts different but when I went to dispute this with the credit bureau XXXX they stated that the Capital One account number and the account number written on the 1099C form are different. So with that being said either Capital One did not send the correct 1099C form which makes this account invalid or they dont have the correct information which would make the reporting of this account fraudulent. This account is being reported in error and must be removed from my consumer report immediately.
Product: Mortgage

During my refinance with Rocket Mortgage, I received an offer to get an additional 1.5 % off closing cost, after I submitted this form, they raised my points from 0.05, to 1.5 % increasing my closing cost by several XXXX dollars, after I complained, they offered to pay closing cost, but then they raised my interest rate from 2.5 %, to 3.5 %, their appraiser also appraised my home for {$100000.00} less than another appraiser who did that appraisal only 3 weeks prior.