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

I am formally disputing the INACCURATE reporting of my XXXX XXXX account ( XXXX ) ON BEHALF OF EQUIFAX due to severe inconsistencies between Equifax XXXX XXXX, and XXXX XXXX These contradictions prove that none of the reports are reliable or verifiable, and therefore, continued reporting of this account is a violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ).

Disputed Inconsistencies Requiring Immediate Deletion : Payment History Discrepancies : Equifax falsely reports OK ( on-time payments ) from XX/XX/XXXX to XX/XX/XXXX, even though XXXX and XXXX both indicate delinquency and charge-off. 
Since Equifax contradicts both XXXX and XXXX, this payment history can not be trusted and must be deleted. 

Last Payment Date Conflict : Equifax lists my last payment as XX/XX/XXXX. 
XXXX and XXXX both report XX/XX/XXXX. 
Since the dates do not match across the three bureaus, it is clear that this information is unverifiable and must be deleted. 
Charge-Off Date Issue : XXXX and XXXX report a charge-off period, yet Equifax falsely indicates on-time payments during that same period.

If Equifax can not verify the exact, correct date of the charge-off, this account must be deleted.

Under 15 U.S.C. 1681e ( b ), Equifax is required to follow reasonable procedures to ensure maximum possible accuracy. The inconsistencies between Equifax, XXXX, and XXXX prove that Equifax has failed in this duty. 

Under 15 U.S.C. 1681i ( a ), if the information is inaccurate, incomplete, or can not be verified, it must be deleted within 30 days. Since Equifaxs reporting directly contradicts both XXXX and XXXX, it is clear that the account can not be verified and must be removed.
Product: Credit reporting or other personal consumer reports

I received my credit report and noticed that, for the third time, a fraudulent account was still appearing, I have tried before to get this deleted. It's not mine. 

I command you to delete the accounts listed below : Account Name : XXXX XXXX. 
Account Number : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law, 15 U.S. Code 1681iProcedure in case of disputed accuracy, if you can not verify the accuracy of the information within 30 days, please remove the account from my credit report.

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Product: Debt collection

You made a decision to shut down the states which was good. You didnt make a provision for residents against timeshares who are financial XXXX. Aspen National Collect LLC from XXXX Fl ( XXXX & XXXX ; fax XXXX ; XXXX added additional charges to my maintenance fee & claim will continue if I dont pay them Maintenance Fee is XXXX & Taxes is {$190.00}. Their total is {$1600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addressesshow tooltip buttonSelect as many as apply XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX  XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Real Estate on behalf of XXXX  XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX  XXXX  XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Not disputable online XXXX XXXX  XXXX  XXXX XXXX, TX XXXX SINGLE FAMILY not mine
Product: Checking or savings account

I dispute a third party charge to my card from a merchant previously dispute that fraudulently charged my account. The merchant is in another state and my banking records show I was not in that area or motel. Bank has reversed claim with no explanation. I suspect BOA is fraudulent working to obtain funds due to failing business.
Product: Debt collection

I asked rent debt automated to provide me with a contract with my signature and they were unable to provide me the documentation I have a statement from the debt collector rent debt automated stating they do not have any documentation or contract with my signature on it this fraudulent I dont know where this debt came from I dont not owe this money please remove from my credit report immediately or I will be seeking litigation attach will be a statement from a representative from rent debt automated stating the the company is unable to provide proof of this debt PLEASE DELETE FROM CREDIT REPORT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX- Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXXn still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being XXXX -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.
Product: Credit reporting

items on my credit report are old and chargeoff, accounts that i have paid are still showing late payments on my credit report. please help me get these issues resolve from damaging my credit.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address this discrepancy by contacting the respective company associated with this account. I am pleased to inform you that after thorough investigation, this company have acknowledged the errors and have agreed to update my account and remove the late payments. 

XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) When the SEC seeks civil penalties against a defendant for securities fraud, the XXXX XXXX entitles the defendant to a jury trial. 
SEC v. XXXX, 603 U.S. ___ ( 2024 )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Detective XXXX XXXX from XXXX police department contacted me back XX/XX/XXXX and notified me that Portfolio Recovery never retrieved the police report in regards to account XXXX nor have they requested the police report from their department. Yet XXXX stated to the CFPB they validated the fraudulent account opened without my consent. My ex husband also filed a CFPB complaint because he notified the creditors back in XXXX I had identity theft and fraud under my name yet the debt was sold anyways and the creditors never obtained the POLICE reports. It is their responsibility to obtain this legal active report.
Product: Mortgage

I asked my mortgage owner XXXX NewRez to reassess my loan-to-value ratio because I believed I had reached the 20 % equity mark. NewRez said they would request a new appraisal, but nothing had been done in over a month. Whenever I call I never get any help other than confirmation that they submitted the request. Meanwhile, I am still paying PMI when I should no longer be.
Product: Checking or savings account

I was charged several overdraft fees for less than {$1.00} overage and my debit card was approved for {$2.00} but got charged {$30.00} in overdraft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX Date : XX/XX/2022 To Whom It May Concern : 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 U.S.C. 1681. 
Account name : XXXX XXXX  Account name # XXXX Has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section.

It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681 ( 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 the 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

On around XX/XX/2024 I've been attempting to remove information that is related to identity theft in fraud activity. Information that the conns furniture has on this account number is incorrect I do not have any business with XXXX 's XXXX. XXXX Account Number. I'm also found a complaint with attorney general 's office of the state because this is fraud. XXXX Account Number. Reflecting on my credit file. 

Experian, XXXX and XXXX are reporting fraudulent activity.
Product: Debt collection

I received the actual letter from a debt collection company ( I.Q. Data International , Inc, ) this XX/XX/XXXX ( dated XXXX XXXX ) about an inaccurate unpaid debt with the amount of {$700.00} reported by XXXX XXXX XXXX  XXXX XXXX ( XXXX ) which created a damage to my credit score unknowingly. Upon receipt of this letter, I called the property management office immediately & spoke to their property manager XXXX on the same day of XXXX XXXX regarding this mistake made by their office in spite of settling all my dues in XX/XX/XXXX to move out of my apartment. I requested to send me written explanation thru email regarding this inaccuracy & damage created on my credit score to clear my name from debt collection agency but received no updates ( neither a call or email ) until today XXXX XXXX. To explain this further, I paid all monthly rental fees plus the extra fees charged of {$700.00} personally & surrendered the keys in their office on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
With this regard, I would like to file a complaint against this property management office by mistakenly reporting inaccurate information and seek compensation by the damage caused by their error such as credit score damage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying this student loan for years. Last year I reacached out to AES to inform them that due to financial difficulties I would like to request my due date chaged to the XXXX of each month since I was an educator and the date of my check was the XXXX of each month. The agent informed me that they can't do the XXXX but they was able to do the XXXX, I said perfect. I have made my payments on the XXXX of every month since the event as agreed. There were months where XXXX payments were made. 

AES has caused significant damage to my credit report by reporting my payments late and charging a late fee. The payments were never XXXX late but they illegally reported my account as late/deliquent. As a result of this I was unable to help my daughter obtain a parent plus loan to continue her education. This is unfair to me and my family as the damages are setting my family behind.
Product: Checking or savings account

My daughter has a XXXX  checking account that was to be converted to a stand alone account. Chase never separated the accounts and someone gained access to her account through my account. I was a victim of a scam but had no money for them to take. Had chase separated the accounts like we requested they would not have had access to her account. The scammers not only got away with one transaction over her spending limit but two. Per XXXX XXXX XXXX XXXX around XXXX XXXX  she said this is not chases problem. The withdrawals happened XXXX. I called chase within 5 minutes of the problem. I also would like to tell you about XXXX since I was trying to call them when scammed. I called them to advise them of what happened and they informed me that they know about the scam but it is not there problem as well. I question, why is it ok for a company to be aware of a scam attached to there name and not take steps to protect there customers?
Product: Debt collection

I rented an apartment from XXXX at XXXX in XXXXXXXX XXXX for 6 months and stayed in the property about 4 months while building a house. At the end of the lease, the owner notified me that I owed money to replace carpets in the unit because they had been damaged by my dog. However, the carpets here in the same condition as when we arrived minus normal wear and tear from walking on them. The dog had no accidents on them and they were vacuumed frequently. I took many pictures of the apartment when I moved out and there is no evidence of damaged carpets in any of them. I asked for any evidence of damaged carpets when I was told I owed money but none was provided. 

The debt is currently being held by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX admitted that it was their negligence that created this problem and yet they didn't try and correct or resolve any issues associated with my credit card. 

XXXX has destroyed my credit and dropped my score over XXXX points. XXXX is aware I can't make any payments and the fees and additional interest on this card should not have been added and been taken off. 

XXXX didn't close this account as requested until they started reporting it late and adding the additional fees which at this point had negatively impacted my credit. 

XXXX XXXX closed my account and I was not able to make any payments and I called and tried to figure out how to make this payment. 

My credit card was tied to my bank account and once it closed I was locked out of my credit card account and I tried to ask for help and make the company aware of this. 

XXXX should correct my credit report and take off any late reporting or delete the credit card completely from my credit report as this isn't my fault at all. 

XXXX can delete this account and also forgive this debt as I'm not the reason this issue occurred as they are aware they are responsible for this issue. 

I have tried to email the CEO to make his office aware of the issue that was created and how XXXX may be held liable per federal and state laws. 

XXXX needs to be reported to the FDIC as this may be an ongoing issue that is created because the card is tied to your bank account and when the account is closed you no longer have access to the card and any information related to the credit card. 

XXXX has caused me to be denied credit and/or my accounts to reduce my credit limits because of their lack of helping me resolve this issue.
Product: Debt collection

Hey, I sent three letter to all credit bureaus in XX/XX/2022, and I was told after any investigation in which an item of the information is shown to be incorrect or can not be validated, the consumer reporting agency should, 1 ) delete the item of information off of my credit report Account XXXX is repeatedly posting charge offs to my account monthly. 
With innacurate dates of account opened. 

Also for XXXX XXXX XXXX I have two late payments posted, in which I payed,
Product: Credit card

Capital One Bank issued a XXXX for XX/XX/XXXX for credit card debt from XX/XX/XXXX. According to Capital One's credit card agreements, the agreement is governed by the laws XXXX. According to XXXX law, the statute of limitations for credit card debt collections is XXXX years. Additionally, the statute of limitations of XXXX my residence, is also XXXX years.
XXXX requirements specify that a debt be written off as soon as determined to be uncollectible. By definition, the expiration of the statute of limitations for collection defines a debt as uncollectible. Capital One Bank is subject to XXXX requirements.
Capital One Bank was required to write the debt off not later than XX/XX/XXXX or XX/XX/XXXX and IRS regulations require that a XXXX be issued in the year of the transaction, not at the convenience of Capital One. Capital One Bank has fraudulently issued a false XXXX.
Product: Credit card

There is a credit card opened in my name through Capital One, and I never opened an account with them. I can not access the account, and I can not get in contact with Capital One, every time I have called they have ended the call without resolution or I have been on hold for over 30min. I want that account closed. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent accounts and credit inquiries from my credit report. I am a victim of identity theft, and these entries are not authorized by me. Under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c 2 ( a ), I request immediate removal of the following items : Fraudulent Accounts XXXX. XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$1000.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX o Opened : XX/XX/XXXX o Balance : {$650.00} Fraudulent Inquiries XXXX XXXX XXXX o Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Checking or savings account

I currently am a college student at the XXXX  XXXX XXXX XXXX. For the XXXX XXXX  semester, I received a refund based on student loans that I've been approved to receive. The amount that I received as a refund was {$2200.00}, and I decided to open up a checking account with Citizens Bank as a way of accessing the refund money. XXXX  days after updating my school 's XXXX  account to allow the deposit to occur into my Citizens checking account, the bank decided to lock my account and freeze me from viewing and accessing my account balance by essentially removing my account. The refund money I was supposed to receive is unable to be accessed, and I currently have ~ {$2200.00} in loan money ( deposited as a refund into my CItizens account ), that I have no idea how to access. I called Citizens bank for further questioning, but the support people were unable to let me know what is going to happen, and their nearest branch is out of state.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1000.00}, XXXXXXXX XXXX XXXX Balance Owed : {$70.00}, XXXX XXXX Balance Owed : {$680.00}, XXXX XXXX XXXX XXXX Owed : {$1600.00}, XXXX XXXX Balance Owed : {$220.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.