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

Equifax Information Services LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I am writing to request the removal of incorrect information from my credit report, which I obtained from Equifax. Upon reviewing the report, I discovered several inaccuracies that require immediate attention : 1. Charge Off from XXXX XXXX : There is a charge off listed from XXXX XXXX, which has been paid in full. Therefore, it needs to be removed from my credit report immediately due to incorrect reporting. 

XXXX. Incorrect Late Payments : Additionally, I noticed XXXX late payments listed on my credit report, which are incorrect and should be removed promptly. 

XXXX. Inaccurate Account from XXXX XXXX XXXX : XXXX XXXX XXXX is reporting inaccurate information about an account that they have not provided validation for. This account has been paid in full and needs to be removed immediately. 

I kindly request that Equifax investigate these discrepancies and take the necessary steps to correct them as soon as possible. I also ask for written confirmation of the corrections made and an updated copy of my credit report reflecting these changes. 

Your prompt attention to this matter is greatly appreciated. Please feel free to contact me if you require any further information or clarification at XXXX or XXXX. 

Thank you for your assistance in resolving this issue promptly. 

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

The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX ) XXXX  XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) Collection Management- XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.
Product: Mortgage

I chose Better mortgage for my most recent home purchase because they had an offer where you receive a {$2000.00} statement credit if you take out a mortgage with them. I was promised by my mortgage representative that my card was eligible and approved. After closing, I never received my credit. I reached out to Better.com several times and never got my credit or any real answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this company a dispute letter to dispute several INCORRECT AND INACCURATE pieces of information. I wrote them a letter dated XXXX XXXX, XXXX. Listed are all the inaccurate and incorrect information being reported including liens that I 've personally verified with the courts which have been removed from their records since last XXXX XXXX, XXXX. This proves how inaccurate and incorrect this company 's reporting is ; this also proves this company 's violation of FCRA. They did not conduct any investigation. Attached to this complaint is a copy of the letter I sent this company last XXXX XXXX, XXXX.
Product: Credit reporting 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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX  XXXX Account Number:XXXX  Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I had fraud reported on my card XXXX for several purchases totaling {$1200.00}. I called that evening to report the fraud, they closed the card and sent me a new one. on XXXX I noticed there were purchases I had made that day that were not showing in pending yet and was told they would show up and continue to go through since they were approved on the card prior to the card being closed. The next day, I saw authorized charges from the prior day that were not showing the night before, but there was also an unauthorized charge for {$26.00} for XXXX that I called immediately and they said they would add it to the original fraud claim. I saw the {$1200.00} unauthorized purchases were credited back on XXXX, but the {$26.00} was not. I called Wells fargo and they said it would take the full XXXX days and to call back if I didn't see it credited. I called again on XXXX as the credit still was not processed. I was told by the rep that the {$26.00} payment was authorized on the old card, but posted to the new card, so then I was transferred again to fraud team- I was told by fraud team that they could not credit my {$26.00} without sending me ANOTHER new card ( I have already received a new card and had to change XXXX autodraft payments )- it seems like there would be a process of returning or providing credit for an unauthorized purchased on an old card even if they post the next day instead of having a client have to have XXXX new cards mailed out. I was told by the customer rep that we had no choice, that was their process. I asked to speak to a XXXX and was on hold for XXXX minutes and then was hung up on. Wells fargo 's inability to make a common-sense exception beyond their policy and lack of customer service is extremely frustrating- they could see that this payment was authorized on the old card, so to have me jump through hoops to get another new card and change XXXX autodraft payments for a second time and then hang up on me without any resolve is completely unacceptable and unbelievable.
Product: Debt collection

Hello, I hereby inform you that the following accounts have been paid years ago and are still on my credit report, violating my rights as a consumer. I strongly ask you to review these reports. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed : {$0.00} Account Rating : Paid XXXX XXXX  Account # XXXX Balance Owed {$0.00} Account Rating : Paid XXXX  Account # XXXX Balance Owed {$0.00} Account Rating : Paid
Product: Credit card

I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Debt collection

Mutiple calls starting from the same number followed by mutiple calls by different numbers about twice a day. When answered, there is only silence and then a redirect to a machine. When called back, only machine amswer. It asks for an account number I couldn't possibly have and leaves no other identafiable information such as asking for my name or using the last 4 digits of my cell phone number or any other information. Website leads in circles and there is no way to recover any information to use to stop their calls or recover any type of information. Overall, it's just been an unidentifiable harasser over an unidentified issue with no possible resolution on my side.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent the credit bureaus certified dispute letters of errors that was on my report and asking them to verify these items and send me proper verification. I have not received verification or validation of these accounts. I only received a copy of my report no action was taken and it has been well over 30 days which is prohibited by Federal Law
Product: Credit reporting or other personal consumer reports

I recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance. 

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX  XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting or other personal consumer reports

These accounts show late payments, that is incorrect information that I need to review. 


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

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts. XXXX XXXX {$160.00}, XXXX XXXX XXXX {$4100.00}, XXXX XXXX {$240.00}, XXXX XXXX {$450.00} AND XXXX XXXX {$3400.00}
Product: Credit reporting or other personal consumer reports

These inquiries have been added to my credit report without my authorization! 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 I disputed them and they remain on my credit report!
Product: Credit reporting or other personal consumer reports

JPM Chase Business Ink illegally reported a business account to my personal credit file. The credit balance does not have an associated judgment against me personally, it only shows XXXX late payments from the business entity. In addition, the card was not taken out in my name, it was taken out in the business name of an LLC. LLCs protect from personal liability. No other business credit card shows up on my personal credit report for that reason. This business credit card account was also never reported on my personal credit report for the last XXXX years while the account had XXXX  % on time payments since XXXX, which creates misleading information that the account was just opened in XX/XX/XXXX with a starting balance of {$13000.00} which is factually inaccurate. Therefore, the account should not be considered as part of my personal credit history and it is ILLEGAL to do so. Business accounts do not appear on personal credit reports, unless the account was actually a personal account, such as those opened by sole proprietors. Once again, this account was opened by an LLC that protects from personal liability. Only in circumstances where there is a court-ordered judgment against me would it be appropriate for the judgment to appear on my credit report as a public record and no such judgement against me exists from Chase Business Ink . 

As such, this information needs to be promptly removed from my credit report on all XXXX credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a dispute with you on XX/XX/XXXX for a fraudulent inaccurate account on my report. XXXX a/c XXXX XXXX. 
on top of being fraudulent and opened with identity theft Experian is reporting inaccurate information only report. but experian responded to my complaint saying that account is verified. 

XXXX a/c XXXX XXXX on XX/XX/XXXX it is reporting as 30 days late, and on XX/XX/XXXX experian is reporting I was 60 days late, on XX/XX/XXXX experian is reporting 90 days late, on XX/XX/XXXX experian is reporting 120 days late, and on XX/XX/XXXX experian is reporting 120 days late again. how could I be 120 days late 2 months in a row that is an obvious inaccuracy. how can experian verify an account with obvious inaccuracies. that mean experian is verifying inaccurate information that is violating my rights. 

you are violating 15 U.S. Code 1692c ( c ) of FCRA with this reporting inaccurate information also Experian are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account is identity theft and fraud, since I notified Experian that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the following accounts listed on my credit report : XXXX XXXX XXXX Collection Account XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXXXXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I am disputing the accuracy of these accounts on my credit report. I believe that they contain errors and inaccuracies that are negatively impacting my credit score.

I am requesting that you investigate these accounts and correct any errors that you find. As a consumer, I have the right to an accurate credit report and I expect that my credit report will be free from any errors or inaccuracies.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am also requesting that you provide me with written confirmation of the results of your investigation within 30 days. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off a letter letting the credit bureaus know that they have 5 days to respond to my letter with all the information that I asked for them to give me. It has been longer than 5 days, it's almost been two weeks. I just need this account removed from my credit report because they are violating my human rights according to the fair credit reporting act and have been harassing me for the last couple of years and I want {$1000.00} per violation. I already sent documents proven how they have violated my rights and they have yet to respond in the time they were supposed to. PLEASE DELTE THE ACCOUNT. Attached documents below show proof how the violated my rights and along with the letter I sent via certified mail and still got no response.
Product: Credit card or prepaid card

A payment of {$2200.00} was made to XXXX 's Discover credit card in error in XX/XX/2022 Called and had customer service correct the error Three months later Discover put same amount of payment on XXXX XXXX  card again as a CHARGE It has been corrected twice since then - XXXX, and XXXX. 
XXXX 's credit card has been paid in full with XXXX balance for 5 months since error was correct ( second time ) - and now the charge has been placed on his card again for XXXX statement ( due XXXX ) Have called numerous times, spoken to different people, executive office, and emailed CEO with no reply. This is an error by Discover. When talking to representatives it sounds like this amount {$2200.00} was transferred somewhere but they can not tell us where and trying to charge our son for this error.
Product: Debt collection

A computerize message asking for XXXX XXXX, and I have no clue who this person is, asked to call back due to bad debt and to contact them. Other previous calls mentioned credit report/lawsuits.
Product: Credit card

US Bank advertised its XXXX XXXX card with " bonus award night exclusively for card members '' who " enjoy all these benefits after paying {$75.00} annual fee. Relying on this advertising, we paid the annual fee, but now the bonus award night has been rescinded.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balanced {$0.00} XXXX  XXXX Balanced {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Student loan

Thank you for looking into this on my behalf. My husband has had similar issues with his student loans, also managed by PHEAA. We are both in the Public Service Loan Forgiveness Program, and making  Income Based Repayments through the Revised Pay As You Earn ( REPAYE ) program, and are around 3-4 years into the 10 year requirement. Per their site, I am currently at 40 PSLF qualifying payments made out of the 48 I have made, he is at 25 out of 51 payments for grad school ( if his XXXX were submitted when my last one was in XX/XX/XXXX, he would be around 36 ), and 41 for his XXXX   loans that he has been paying on since 2005 ( since approximately XXXX with PHEAA, XXXX XXXX previously ). 

All we want is a list of payments made ( which they do provide ) and a notation whether the payment was ultimately deemed as PSLF qualifying for our records ( which is impossible to determine - they only give us a total IE payment made XX/XX/XXXX - PSLF Qualifying, payment made XX/XX/XXXX - Not PSLF Qualifying { because no XXXX has been filed yet } ). 

For some reason, getting this level of clarity from PHEAA on this has been like pulling teeth, and it is hard to fathom why this would be so difficult for them to provide. On the site, they break down payments into amazing detail - but not this detail. We have both made requests of this nature, and only seen one document one time that provided this level of detail - and this was only provided after multiple requests. 

My most recent XXXX Certification letter dated XX/XX/XXXX indicates for example that from the dates of XX/XX/XXXX through XX/XX/XXXX my employment was qualifying for PSLF, but there is no clarity on how many of my payments made during that time period were PSLF qualifying. All documents of this sort dated prior XX/XX/XXXX are no longer available to download or view via their site, so I can't access older certification forms. 

We are trying very hard to comply with the requirements of this program, but find some details challenging to discover outside of the verbal guidance of a person in their call center. We prefer clearly written instructions so there is no room for confusion, or later being told we did something incorrectly when we followed their guidance ( which has happened already - IE no one told us that if you made payments prior to the statement for the month being generated, even by one day, they would not be " qualifying '' until after my husband made a few payments 25-28 days before the due date and inquired as to why they weren't counted as " PSLF qualifying payments '' ).
Product: Mortgage

My client applied for a loan with Amerisave Loan and was given the run around. The underwriter required a {$10.00} Reserve for a $ XXXX Loan and when I questioned the amount the Loan Originator could not provide an answer. They have asked for her personal bank login information to verify funds that she submitted several copies direct and then he stated that there printer made the error. The contract expires on XX/XX/XXXX and we are NO were near a loan approval based on the incompetency of this lending team. There appears to be a pattern of discrimination from this company! They want information that NO OTHER LENDER wants, and ask for information repeated that could be verified by the bank. The representative even stated documentation was altered and then said their printer was not working properly!
Product: Credit reporting or other personal consumer reports

FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
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