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

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Discharged reference XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some accounts listed have errors in the reporting, amounts, and dates.
Product: Money transfers

Paypal tried to collect a fraudulent charge from my XXXX XXXX credit card. XXXX XXXX requested documentation from Paypal to backup their claim and the requested my response and documentation from me. XXXX XXXX rejected their claim. After that Paypal changed the transaction ID and place back the charge on my account and they insist on collecting the same amount. I already sent them XXXX electronic messages using the Paypal contact us form to no avail. Paypal contact form states that they will respond in 24 hours. 
I just received an email demanding payment on the fraudulent amount.
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. 
XXXXXXXX XXXX XXXX : ACCOUNT NUMBER.XXXX, XXXX XXXX XXXX : ACCOUNT NUMBER.XXXX, XXXX XXXX  : ACCOUNT NUMBER. XXXX, XXXX XXXX BANKRUPTCY DISMISSED, 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 A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c. SECTION ( 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 SHILL NOT FURNIST 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

Please review and investigate following errors, inconsistencies and inaccuracies and omissions I was able to find on my reports. 
According to the FCRA you must maximum possible accuracy when reporting and sharing my credit history.As shown below it is clear and apparent that this doesnt meet the standards required by the FCRA not your own industries writing and accepting standards.I feel and accurate report is very important as I have heard that people have be denied life changing loans because their credit score was just one point away from qualification The payment history information needs to be investigated and either completely fixed or this account should be removed in its entirety.I feel that in order to maintain the federally required maximum possible accuracy on my reports in the FCRA the entire payment history on the account must the showing the and accurate Experian I notice after you start reporting on this account that there was missing data is a violation as the information missing could affect my score and turn my ability to obtain a loan.Please investigate the data for the following months that are missing payment information XX/XX/2018 XXXX XXXX
Product: Student loan

I have my loans serviced through MOHELA and they switched over their platforms. During this time I could not log in to pay my loans and I also could not use their new platform. This resulted in me having no way to pay my student loans for XXXX  months. I do not think that it is fair that I was being charged interest with no way to pay my loans.
Product: Credit card

This acct was fraud is was approved to be removed by the documents I submitted not debt validation was returned to me they removed it off my credit and put it back on my credit 2 weeks later 15 U.S. code & 1681 they are being sued for refusing removal and then reporting fraud acct after it was already removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, help to resolve this situation immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX, I made a payment for {$950.00} more than my minimum payment due on my credit card account to US Bank, the payment i made is for the month of XX/XX/XXXX, & XX/XX/XXXX unfortunately US Bank charge my account a late fee for making my XXXX payment on time, I was told that theyve applied the {$950.00} for the month of XXXX. Additionally I got charge for making a payment on the day is due ( XXXX ) of every month. Id suffered financial abuse from US Bank that cause me to take action & closed my account.
Product: Mortgage

I purchased a home in XX/XX/2019 @ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ. The unit is part of a home that went from 1 standalone unit to 2 condos in 2019. That said, the taxes for the property in 2019 were for 1 unit as opposed to 2. 

During my closing, I worked with XXXX XXXX  they covered the Q2 taxes for the entire home ( even though I should have only paid for the unit # 1 portion or 60 % ). The purchaser of unit # 2 also paid for Quarter 2 taxes. 

Very shortly after my closing, my mortgage was acquired by Arc Homes. 

In XXXX & XXXX, the mortgage company of unit # 2 paid the entire tax while my mortgage company has not paid taxes but has collected $ 4,000+ in my escrow account. Now, I need to be reimbursed that amount so that I can pay XXXX ( owner of unit # 2 ) back on the taxes that he has paid out for my portion of the bill. 

I initially contacted Arc Homes on XX/XX/XXXX and spent 45 minutes on the phone having them insist that they had paid my taxes out. On Tuesday, XX/XX/XXXX I called again and after 30 minutes they agreed to open an investigation and would get back to me in about a week. The following Tuesday, XX/XX/XXXX, I called back and their update was that they were " still trying to reach the tax assessor '' but they gave me a footprint number ( XXXX ) so that I could easily get updates when I called back. Waiting another 2 days and called again on XX/XX/XXXX only to be told that my footprint had been " escalated '' but would require a further 3-5 business days to receive information. 

XX/XX/XXXX & XXXX, I call back again and receive again no update outside of them claiming to try to reach the tax assessor ( I've provided them a name and phone number for the gentleman I've been dealing with ) and that I need to upload documents ( of which I already have twice and they claim to have no received ). 

I owe XXXX, the owner of unit # 2, {$4000.00}, while I am frustrated that my mortgage company is abysmal it isn't even my money that I'm concerned about. Arc Homes has the absolute worst customer service and as soon as this tax situation is resolved I will be looking to refinance so that I do not have to work with them any longer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received my dispute back on a closed account that came back updated and verified by experian. Upon looking at the so call updated information they input collection information that wasnt previously there. Disputed that they did again. Asked them to verify this information on a closed account. They keep coming back with its updated now with no change. Thats illegal to add negative items to my report and not properly investigating.
Product: Debt collection

XX/XX/XXXXSEND ME TO COLLECTION OVERXX/XX/XXXX$ WHILE I NEVER HAD ANY SORT OF PLAN WITH THEM THEY HURT MY CREDIT FOR NO REASON
Product: Debt collection

this company has tried to collect a balance for a XXXX i never seen or saw i dont owe this debt i asked for a validation notice and tehy refused to send it
Product: Student loan

All my student loans have been forgiven, XXXX XXXX and XXXX XXXX are combined in this loan. Since, both XXXX XXXX and XXXX XXXX are on the loans we are requesting " loan forgiveness '' as a government employee for over 20+ years. 
Reference number XXXX.
Product: Mortgage

I was over charge for the refinancing of my mortgage home if youre not at home mortgage
Product: Checking or savings account

taking, wha family and I are up to the take th final outcome and taster.i have train my family to watch for more scams like the om for a large doll xchange of a XXXX and trying to fix my account as normal l. he did not yesterday I spoke with a man in the risk depart XXXX, he call to say th account /\. the said none. the named account should close new debits rerjected an estimated fo no reason thesis Instead the left me with an account I can not access, bank check they are planning to short and sent the rest return t send. I wrote previously the would refuse my doc auto They care so little about how they are hurting other the thin this a game and thaey XXXX mad a farm
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX, XXXX  and equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past 30 day mark and can not verify these account, under section 611 ( 5 ) ( a ) of the fcra -they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately
Product: Credit reporting or other personal consumer reports

On my credit report with XXXX. 
They are saying my student loan in XXXX XXXX dollars. But my two loans are {$2200.00} and {$2000.00}. Also, it says my loan was sold.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like the company to cease all communication with me and i would also like to them to cease reporting information to the consumer reporting agencies I want them to remove the account from my consumer report as well.
Product: Debt collection

I just want this high debt off my credit because I feel like I dont owe this amount went to court and they said not to put it as an eviction or nothing because money was bring stolen from me and not going on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Name XXXX XXXX Address XXXX XXXX XXXX  XXXX, FL XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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 60 days 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 XXXX  days before the payment due date. Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting or other personal consumer reports

Called TRANSUNION and companies to report I noticed several unauthorized inquiries on my credit report that I would like removed Inform them that according to the FCRA these unverified and unauthorized items must be removed. No replys from company. I have called TRANSUNION over 2 month span with no help. Said they will do investigation and it would take up to 30 days-no information received from them. Inquiries below : XXXX XXXX on XX/XX/year> & XX/XX/year> XXXX XXXX on XX/XX/year> & XXXX on XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lists of inaccurate information about accounts are still reported on my credit report. I already sent a letter to TransUnion Credit Bureau to investigate the erroneous accounts on my report. I believe that I always paid on time and this bureau is reporting inaccurately. I am seeking help to verify and block the erroneous accounts on my credit file. Below are the lists of the erroneous accounts reporting on my Credit Report : Late Close : XXXX XXXX Balance : {$150.00} ; XXXX ; XXXX ; XXXX ; XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ; XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters requesting my name to be corrected my address and employer nothing has changed on my credit file
Product: Debt collection

Hello, I am an  XXXX  veteran that served from  XXXX  to  XXXX  with  XXXX   XXXX  to  XXXX  and returned home rated   XXXX   XXXX   XXXX   by the  VA. Today,  a collection agency is now threatening wage garnishment on a debt that has been completely paid by their taking our income tax return this year of {$8500.00}. When I joined the  XXXX  I entered into the student loan repayment program which paid just over {$30000.00} on old student debt from  XXXX . That payment was considered income by the military, so around {$8000.00} was taken by the IRS and {$22000.00} was applied to the student loan debt. From  XXXX  to present the loan debt was sold to  four  different collection agencies. For that reason, the repayment program did not work in a timely manner. Otherwise, I would have been able to manage the tax payments over my la st three ye ars while still serving. I have been back in school since  XXXX  and I am currently pursuing a  XXXX  degree full time using the  G.I. Bill. I  hold a part-time job and I pay child support for  XXXX  sons in addition to our regular living expenses. This debt has been paid in full as the IRS took {$7900.00} which was then still owed by me. And this year our tax refund was {$8500.00} which was paid directly to the collection agency KHEAA. This collection agency has inflated the original amount owed and is now trying to collect over {$4000.00} in fees by threatening to garnish my part-time wages. Do I have any way to stop them? This is a vicious cycle that has been going on for the past  four  years! Please advise. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX XX/XX/2023 To whom it may concern : Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Charge-Off [ XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ] Dear Sir/Madam, I am writing to dispute the charge-off listed on my credit report for [ XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  - XXXX XXXX ]. I have carefully reviewed my credit report, and I believe that this information is inaccurate and misleading. I kindly request that you investigate and remove the charge-off from my credit report as it is negatively impacting my creditworthiness. 

I am disputing the charge-off for the following reasons : 1. Lack of Validity : The information regarding this charge-off has not been properly validated. I have previously requested documentation from the original creditor validating this debt, but they have failed to provide adequate proof of ownership and verification.

2. Inaccurate Reporting : I have identified discrepancies in the reported dates, amounts, and details associated with this charge-off. I have supporting evidence, including bank statements and correspondence, which contradict the information on my credit report.

Based on the Fair Credit Reporting Act, I request that you conduct a thorough investigation into the accuracy and legitimacy of this charge-off. Please provide me with copies of all documentation supporting the validity of this debt, including the original contract and any subsequent assignment or purchase agreements.

If you are unable to validate the debt within the allotted time frame or find inaccuracies in the reported information, I kindly request that you remove the charge-off from my credit report promptly. I emphasize that I am seeking fair and accurate reporting as mandated by the law.

Enclosed with this letter, please find copies of the relevant documents supporting my dispute, including correspondence with the original creditor and any relevant account statements. I appreciate your attention to this matter and your prompt resolution.

Please provide me with written confirmation once the investigation is complete, along with any updated credit reports reflecting the removal of the charge-off. Additionally, please inform me of any actions you have taken or plan to take regarding this dispute.

Thank you for your assistance in resolving this matter. I look forward to a swift and favorable resolution.

Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. 

This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a store card with XXXX  back in 2015. Unfortunately, I had a financial issue at the time, and the account was charged off. I have since recovered, and started addressing the results of the financial issues I had in the past. I called XXXX to pay the outstanding balance they are reporting on my credit report, but they refused to accept my payment. And although they refused to accept my payment, they still refuse to take the account listing off of my credit report. I want this account to show as paid on my credit report, but by refusing to accept my money to resolve the account, and also refusing to take the account off of my credit report, XXXX is holding my credit report hostage. Not only is this unfair, it is illegal. A company can not refuse to accept payment, and still continue to report as debt as unpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX on XX/XX/2022 J.P. Morgan chase bank on XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.