23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed several tradelines on the consumer reports and in the consumer file concerning me over 18 months. Equifax has failed or refused to delete the inaccurate and incomplete information even when I've presented them with proof of the irreparable errors. I do not give Equifax permission to publish, report, furnish or appropriate my personal information or private financial transactions. I did not give Equifax permission to have my private financial records, and therefore they are violating my privacy rights, damaging me, defaming my character, and harassing me by not complying with the Fair Credit Reporting Act, Code of Federal Regulations, United State Code, and state consumer protection laws. 

I mailed disputes to the address provided by Equifax, and their registered agent in Utah where I reside. Because Equifax refused to delete incorrect and incomplete tradelines from the consumer file concerning me, I demanded full disclosure of the file according to FCRA 609. 

Equifax has failed or refused to comply with Fair Credit Reporting Act 609 and provide me with a physical copy of the consumer file they have concerning me. I demanded full disclosure on XX/XX/2022 and they failed or refused to send it to me within required 15 days. I gave them an opportunity to cure their default of providing full disclosure on XX/XX/2022. I have yet to receive the required FCRA 609 full disclosure of the entire consumer file concerning me. 

This leads me to believe that Equifax does not have reasonable procedures in place to ensure maximum possible accuracy of the information they compile and publish in the consumer file and consumer reports concerning me. 

Equifax is reporting an account that doesn't even have a tradename and I've requested that it be deleted, yet it hasn't. How could Equifax have verified or validated an account whom they don't even have an entity to contact? 

The following accounts tradelines need to be DELETED immediately because the entities do not exist and I have no legal recourse against them : 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 6. XXXX 7. XXXX XXXX XXXX  8. XXXX XXXX XXXX 9. XXXX XXXX DELETE the inquiry from XXXX - XXXX XXXX as I have never done business with them or given them permission to access the consumer file or consumer report concerning me. This tradename does not exist and is not registered to do business in Utah. 

I am the only person that can validate or verify any information regarding my private financial matters and therefore, I do not give Equifax permission to include anything in the consumer file or a consumer report concerning me without first getting certified written permission directly from me, not from anyone else. I am the only person with firsthand knowledge of the accuracy of my consumer credit transactions. 

I am attaching my dispute letters that Equifax has failed or refused to comply with. I request that you CEASE AND DESIST with including all disputed information in the consumer file or consumer reports concerning me.
Product: Credit card or prepaid card

I initiated a transaction on XXXX website. They allowed XXXX to bill my credit card for a total of {$590.00} of which {$170.00} itemized as " Integration Additional Costs ''. 

I called XXXX and XXXX to find out what these charges actually represented and I was told both by XXXX and XXXX XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) that they could not account for or identify those charges and that it was perfectly ok for me to request that the charges {$170.00} be removed by Chase. 

Unfortunately, even after talking ( conferencing the call ) with both XXXX ( XXXX : Supervisor ( XXXX ) XXXX ) and XXXX, XXXX, XXXX, XXXX, XXXX ( Chase Fraud Dept. ), XXXX, XXXX and XXXX from Chase Dispute Dept and XXXX ( Account Supervisor from the Chase Dispute Dept. ) none of them would remove those charges from my credit card. 

Maybe XXXX and XXXX are charging many customers these charges only to be told by their cc issuers that that can not be removed. 

XXXX from XXXX ( ( XXXX ) XXXX ) has no idea of where these charges came from : ( Integration Additional Costs, ( FIN, SER, RES, DAM : {$170.00} ) XXXX from XXXX spoke to XXXX : Supervisor ( XXXX ) XXXX ) from XXXX and verified that these are Not legitimate charges and should be removed from my credit card.
Product: Credit card or prepaid card

I have an Amex card and it is showing that I overpaid by - {$4300.00} in my 2022 yearly summary. In each monthly statement, it also shows that I have nearly always made my payments. Yet, the payment shows I owe {$3900.00}. But I have a credit in my yearly summary for 2022. The credited amount was not applied to my payments and what I owe and I was never informed about it. When I asked customer service and talked to a manager, they insisted the balance is correct. Yet, they did not answer what can be done with a credited amount -where I overpaid. They said that the balance is right and that I still need to make my payment on XX/XX/XXXX. Even when I overpaid in 2022 over {$4000.00}! Amex has duplicitous practices. This should be unlawful - first making people overpay and not informing them about it and then still asking for more payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE SEE ATTACHMENTS. EACH TIME I SUBMIT A COMPLAINT, EQUIFAX REFUSES TO INVESTIGATE BY SUGGESTING THAT I AM NOT SUBMITTING THE COMPLAINT ON MY BEHALF. I SUBMIT COPIES OF MY DRIVER LICENSE, LEASE, PROOF THAT MY INFORMATION HAS BEEN COMPROMISED ON THE XXXX/XXXX  WEB, ETC AND STILL NO INVESTIGATION. I HAVE COMPLIED ALL OF THIS DATA AND WILL ALSO BE SUBMITTING IT TO THE STATE ATTORNEYS OFFICE FOR FURTHER INVESTIGATION. 

EQUIFAX IS VIOLATING FCRA PRACTICES. THE FRAUDULENT XXXX XXXX ACCOUNT WAS ONCE DELETED AND ADDED WITHOUT PROVIDING ME WITH REQUESTED VERIFICATION OF OWNERSHIP. ADDITIONALLY, THE XXXX  XXXX XXXX  IS NOW REPORTING ON MY ACCOUNT AS A " NEW COLLECTION ''. 
AS SUCH, PLEASE DELETE THESE FRAUDLENT ACCOUNTS FROM MY REPORT IMMEDIATELY. AND AS FOR THIS NEW COLLECTION, I HAVE NO IDEA WHERE IT IS COMING FROM!
Product: Credit reporting or other personal consumer reports

My autopay did not go through and they said it was becasue I set it up too close to the payment date. Then I had a possoble fruad on the bank account and had to block it and that also topped a payment but I was in touch with US bank and had 2 months payments pendin while that was investigated by XXXX XXXX. XXXX XXXX told me we could do a conference call with US Bank and explain the situation becasue the funds were there but the payments would return becasue of the account investigation. I was in touch with US Bank the entire time during this and they said no problem o when my account was fixed all the paymets went through plus another payment. They had reported me to colletions and I was in contact with them also and told them the problem. It was an honest error, and I let them know but they did not really do what they were saying I suppose. Here is the statement during that time peeriod where I made some larger payments due to the issue with money that they should have had already if not for a block on my XXXX XXXX  account becasue of an investigation into another payment that was going out of that account.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I wont hesitate to take legal action against YOUR COMPANY A consumer agent who used to work there told me you guys dont care and never take time to provide proof and never report accurate information AFFIDAVIT OF TRUTH Consumer Enforcement as Administrative Counter-Claim by Private Right of Action Notice to all, I am that I am, the consumer in fact, natural person, original creditor, Ender , executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, Consumer XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a Consumer, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with the collection of any debt.

Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 
Fact, XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 

FactXXXX XXXX  is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX is in violation of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. 

15 U.S.C. 1692 ( G ) On the date of XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, Transunion, & Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable investigation into my credit dispute. Despite my formal request, the credit bureau have Failed to properly investigate the accuracy of the disputed information. Provided vague or automated responses instead of a thorough review. Continued reporting inaccurate information, negatively impacting my credit. Violated my rights under the FCRA, which requires credit bureaus to conduct a reasonable and timely investigation ( 15 U.S.C. 1681i ). Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against the credit report bureaus for systematically failing to conduct proper investigations and for violating federal consumer protection laws. My experience is consistent with these allegations, as Experian has disregarded its duty to ensure fair and accurate credit reporting.I request immediate corrective action
Product: Credit reporting

I have an erroneous Collection item that has been reported to Equifax and XXXX and I have disputed the item with both credit bureaus and the entity who reported the item. Only XXXX has made the correction and the item was removed from my credit report. Equifax still is allowing the derogatory item to stay on my credit report with them. The debt is not my debt and is part of identity theft, which is why I have placed a fraud alert on my credit report.
Product: Credit card or prepaid card

Back in XXXX of 2011 I lost my wallet with all my personal information in it, as a result several credit accounts ware open in my name, I filed a police report and notified all the companies involved, most of the companies took care of the theft appropriately but a few companies responded that the debt was valid after they investigated the account, I then wrote the company back asking them how they came up with this outcome, because i was Curious On how they could say this when I know I didnt apply or open this particular fraudulent account, I never received a response from any of these companies ever again and they continue to ruin my credit as a result, this is extremely unfair and Im at a point to where I dont know what else to do to get these companies to comply with or work with me in any way or fashion. I have also had close family members open accounts in my name that I have disputed and the companies will not assist me in fixing the issue. I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, KS XXXX ( XXXX ) XXXX I have disputed this collection account on numerous accusations with the debt collector as well as the 3 major Credit Bureaus, XXXX, XXXX, and Experian. On XX/XX/2010, I sent in documentation to the 3 bureaus above explaining that the information that this company is reporting on my credit is inaccurate. This debt collector is insisting that the information is valid and reports as it is verified as accurate. 

On XXXX The first inaccuracy is the ACCOUNT NUMBER This company is reporting my account number as XXXX. How can this be a valid account number, if it is missing digits? 

The second inaccuracy is the Account Type. This company is reporting that this is an Open Account. How can a CLOSED COLLECTION account be an open account? That is not possible. 

The next inaccuracy is the PAST DUE AMOUNT. This company is reporting that there is a past due amount owed on a collection account. How can you report a past due on a collection account? 

This company is reporting this INACCURATE information to all 3 Credit Bureaus. 

I know I have rights and I feel that this company is violating them.
Product: Mortgage

mortgage company : select portfolio servicing XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX customer service # XXXX loan # XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MI XXXX on XXXX select portfolio servicing reversed a total of 4 monthly mortgage payments and their website showed that I am owing a payment as far back as XXXXthat was a total of {$2700.00}. 
I called their customer service number and raised the issue telling them their XXXX statement is accurate while their website is not.Their reply was due to a review?! 
they had to take back the 4 payments and the issue would be corrected in less than 48 hours which they indeed did the correction. 
On XXXX I connected to their website and now I see that THEY TOOK BACK 5 PAYMENTS TOTALING {$3400.00} SHOWING THAT I OWE A PAYMENT AS FAR BACK AS XXXX. 
I CALLED this morning to inquire only to be told that they are going to correct the issue in a couple of days, I told the customer service this had happened on XXXX and now again on XXXX I can't do this every 13 days I would have a XXXX XXXX, I am a home owner making his payments in a timely manner. 
First, I don't know if they are going to correct this mistake in 2 days? 
Second, why are they reversing numerous payments in the name of illusional reviews?!! 
third, they did this on XXXX after sending a resolution letter dated XXXX assuring that the next payment due is XXXX with no past due amounts. 
Select portfolio servicing is not accredited by the XXXX XXXX XXXX and my loan will be paid off in less than a year, their actions the last 14 days are incomprehensible.,.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines.

Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In 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.

Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, authorities were contacted, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating 15 USC 1681.

Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. 
The account is : XXXX XXXX
Product: Mortgage

I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves Thank you
Product: Mortgage

On XX/XX/2020 I owed {$350000.00} on my mortgage. I paid the loan off during the month of XXXX through my online portal. My interest was XXXX monthly and it took {$370000.00} to pay off the loan. By my calculations I overpaid Bank of America {$18000.00}. I have made 5 phone calls and spent almost 10 hours on the phone trying to resolve this with them and I feel I am getting ignored. Today alone I have been disconnected 3 times and no one would call me back. They sent me the escrow account balance one day with no closing statements of any kind. That was {$6900.00}. I had no prepayment penalties. Any help in making them be more proactive with this situation would be greatly appreciated. How many other people has this happened to that don't know to be proactive?
Product: Debt collection

In accordance with the fair credit reporting act convergent Account # XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code s 1681a- Definitions ; rules of construction- Exclusions-Except as provided in paragraph.
Product: Money transfer, virtual currency, or money service

The TD Bank branch is incapable of sending a wire transfer... The transfer has been over a week and still not executed as the staff and management make mistakes, ca ; t fill out firms correctly and worse, take any accountability or reason suability for their lack of knowledge. 

I needed the wire transfer done to pay off a mortgage by a specific date and they failed day after day to execute it accurately. This cost me a lot of XXXX XXXXXXXX and avoidable charges on m mortgage They claim there is no recourse.
Product: Debt collection

I went to XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX. I have XXXX XXXX XXXX in California. XXXXr paid XXXX XXXX for the treatment, but there was a billing error. We called XXXX and XXXX XXXX multiple times on a XXXX call and it was agreed by all companies that the bill had been taken care of yet XXXX XXXX kept sending us a bill. Every time we called we were told it was taken care of. Then we got a bill from ARstrat a debt collection agency saying that they had picked up the debt from XXXX XXXX and we owed them. We called them and explained the situation and they then sent us a statement from XXXX XXXX saying we had a XXXX balance. Yesterday we got another bill from ARstrat asking for payment.
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 15USC 1681. 

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 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 record 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: Debt collection

LVNV has expired accounts on my credit report. Statute of limitations in Minnesota where I live is 6 years from the last payment I made. All of the accounts are past the 6 years mark and should no longer be on my credit report. When I did dispute them through a credit report company, LVNV removed them from my credit report for a short time and then added them again. By law all of them need to be removed.