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

Filed dispute with Equifax on XX/XX/2024. Equifax completed the dispute same day. Therefore, I believe no investigation was attempted. I received dispute results same day I filed the dispute & it was marked completed & updated. In addition, names listed are inaccurate. I've only used XXXX XXXX XXXX. No other names. Phone & addresses are also inaccurate. I live at XXXX XXXX XXXX in XXXX, TX XXXX & my phone number ends XXXX. I am unaware of any other addresses or phone numbers listed on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXXXXXX XXXX XXXX XXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}
Product: Debt collection

This company is True Accord who says they bought the debt from XXXX XXXX? Neither of these companies are on my credit report and I am showing another company, XXXX, for the debt they say they are trying to collect. I have paid {$350.00} of the debt and they will not provide me with a letter showing this is a valid debt I owe.
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against EQUIFAX regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : XXXX XXXXXXXX XXXX Account Number : XXXX Date of Late Payment : XXXX XXXX XXXX of Complaint : XXXX, I submitted a dispute to XXXX disputing a late payment XXXX bXXXX XXXX XXXXXXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reason : Please verify that late payment is made, I have never made a late payment, I have always paid on time. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, EQUIFAX has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX Subject : Method of Verification Request for Disputed Item Dear XXXX, I recently disputed RESURGENT/LVNV FUNDING/XXXX  on my credit report XX/XX/year>, and your response stated that the item was verified. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), I am formally requesting the method of verification used to validate this information.

Please provide : 1. The name, address, and contact information of the entity that verified this information.

2. A detailed explanation of the verification process, including any supporting documentation received from the furnisher. 

If you can not verify this item with proper documentation, please remove it from my credit report immediately and I would like to be compensated for all inaccuracies. 

I expect a response within 15 days, as required by law. Failure to comply will result in further action, including possible complaints to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiry requests on my credit report that are there due to identity theft.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiry listed on my credit report, which are fraudulent in nature, this inquiry appear on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with this inquiry and providing comprehensive documentation to substantiate my claims. Despite this efforts, your bureau has yet to resolve this matter satisfactorily. 

It is essential to note that the fraudulent nature of this inquiry has been confirmed by the respective institutions, and they have assured me that this inquiry was erroneous and should be removed. Furthermore, please removed this unauthorized inquiry from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of this fraudulent inquiry. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 
XXXX XXXX XXXX Date XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

hi I bank with Comerica Bank for many years and rarely overdraws my account. it all started when I initiated a online transfer for a check I am writing on XXXX/XXXX/16 for {$300.00}. I need to write a check to my acct ending in XXXX that day. Before going to make the payment at XXXX XXXX XXXX, I made sure I transfer the funds from my acct ending in XXXX. I thought all is done and set. When I sent online to check my account, I notice that my acct XXXX is overdrawn. My transfer on XXXX/XXXX/16 seems like it never happened. I notice that there were 3 overdraft items instead of just one. I ponder on that as how could that be?!?! I did a couple of online bill payments on XXXX/XXXX/16, but it did not leave the account until XXXX/XXXX/16. I know this because I see it have already deducted from my account that morning when I did the {$300.00} transfer. I did the transfer at exactly XXXX that day. I called customer service to make them aware of my situation with their online system. Of course they say they do not see any issues. I point out to them that there is because I did the transfer and it did not show and also the mobile system is out of whack. its showing that transaction are being done on weekends. They refused my explanation and refuse the refund. Then I ask them why I was charged 3 {$33.00} fee instead of 1? I notice from my transaction history that it seems like all the transactions were aligned that the biggest item paid firest rather then by the time they are presented like most banks do now. The rep said that it is Comerica 's policy to align the biggest items first. I feel that 's their policy to make more money from their most unfortunate clients. Please take a look that this policy as I strong feel that this is not the right thing to do especially when I paid the other XXXX small items 5 days ago. please contact me if you have any questions or any proof. thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B may mandate the elimination of any erroneous accounts from my credit report. Can you verify the documents? Several listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Credit card or prepaid card

My credit card has been closed for some time. I had a card and my mother, XXXX XXXX was an authorized user ( card XXXX ). My mother was making payments since I authorized her use of the card. The payments have always been made in a timely manner. One payment was made for {$40.00} on XX/XX/XXXX via the XXXX bill payment. This payment was returned to XXXX stating an incorrect account number. The number was correct, she has a card with a different card number but linked to the same account as me. XXXX, made the payment via USAA website payment option on XX/XX/XXXX for {$53.00}. 
This returned payment caused late fees to be assessed each month beginning in XXXX through XX/XX/XXXX. Some for {$35.00} as well as several for {$25.00}. 
I began reaching out to USAA in XX/XX/XXXX, requesting assistance to lower the interest rate on this card since I was experiencing a financial hardship, as was my mother. 
I have sent 3 letters to USAA making this request and they only respond by sending a letter stating the account is 3 payments past due and they will turn it over to the collections. I am willing to continue the payments that have been made, however, the balance and payments are now increased to the point I can not make the minimum due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX  and XXXX  and investigation took well over 45 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 6 months and per tracking ( investigations have been received ) I started my investigation onXX/XX/XXXX I contacted the companies reporting these accounts and no information was given on the accounts. The accounts are unauthorized to the collection agencies and I do NOT owe these companies and per 15 USC 1692 Law no information given. I have not heard back from you in over 30 days since my formal written notice of disputed dated XX/XX/ and since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX Mo XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an alleged bankruptcy as inaccurate with Trans Union. I reached out to the Original Creditor which is the " US Bankruptcy Court Of XXXX '' and THEY RESPONDED BACK STATING THAT THEY DO NOT VERIFY BANKRUPTCIES WITH ANY CREDIT BUREAUS. 

XXXX was also unable to verify this alleged Bankruptcy so THERE IS NO absolute way that Trans Union is Verifying this alleged Bankruptcy ... Because these are the two ways That Trans Union Claimed to have verified the alleged bankruptcy. 

In light of the recent changes to the FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. 

I've attached the Bankruptcy Court Response and XXXX response also stating they couldn't verify the bankruptcy. 

This is a violation of the FCRA Also a violation Of the FDCPA
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX  XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2016, I was informed that TCF National Bank had closed my checking account. This decision was made because, in the words of the branch supervisor and managers, that I forgot to send in a requested Questionnaire that would update my current information. They also claimed that that the questionnaire had nothing to do with the bank, but was requested by the " XXXX. '' Yet the letter that accompanied the form mention nothing about a federal agency, but only TCF policy. I sought help from your agency and from the best of their knowledge they told me that they could n't find any law on file that stated that the federal government would send a questionnaire and suspend my checking account because it was not returned. Furthermore, what I find most offensive is the fact that my assets are now frozen. My funds have not been returned to me, they denied automatic transactions between my creditors, and I ca n't withdraw my money. However, they are allowing deposits into my account despite the account being officially closed. I have been misled by bank managers, been cheated out of my finances, and caused great distress over this incident.
Product: Credit reporting or other personal consumer reports

XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$830.00} These 3 Collection Agencies bot

h Violated ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g and ( FCRA ) 15 U.S.C. 1681 Violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Under 15 U.S.C. 1692g, debt collectors are required to provide a debt validation notice within five days of their initial communication with a consumer. This notice must include the amount of the debt, the name of the original creditor, and a statement of the consumers right to dispute the debt within 30 days. Despite my formal request for validation, [ Collection Agency Name ( s ) ] has failed to provide sufficient evidence that these debts are valid and legally enforceable.

Violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : According to the FCRA, all information provided to credit reporting agencies must be accurate, complete, and verifiable. Under 611 of the FCRA, consumers have the right to dispute any information on their credit reports that they believe to be inaccurate or incomplete. I have disputed these collections accounts with the credit bureaus, yet the collection agencies have not provided adequate verification, which is required to continue reporting these debts. Failure to verify such debts mandates their removal from my credit report.
Product: Mortgage

I followed the procedures to have my PMI removed on XXXX/XXXX/XXXX from my mortgage payment and I meet the qualifications set up by Roundpoint Mortgage. My XXXX is at XXXX XXXX after a recent appraisal which is better than the XXXX XXXX requirement and I have made several calls to Roundpoint Mortgage regarding this because they initially called and lied to me using an incorrect calculation for XXXX. They said that I did not qualify to remove the PMI and the person I spoke to had no idea what they were talking about regarding the XXXX calculation or an understanding about mortgage insurance. After several calls I finally reached someone that understood how to calculate XXXX and they agreed with me that I meet the qualifications, yet I have not been able to speak with a supervisor and associates I speak with also will not transfer me to the mortgage insurance department. I explained that I would be reporting them for fraud.
Product: Mortgage

I refinanced my mortgage with AmeriSave back in XXXX 2015. At the time, they promised me a {$400.00} refund of my home appraisal fee. I have yet to see any of that money. My attempts to reconcile the issue have been ignored by the people in charge.
Product: Mortgage

Chase is acting with gross negligence and incompetence regarding a financial matter. At issue is an authorization form that was submitted on XX/XX/XXXXwhich clearly states that authorized 3rd parties are able to discuss the loan and have documents delivered to them regarding the loan. The last sentence requests a pay off however the authorization form itself is not limited to just pay off information. Somehow through gross incompetence on behalf of Chase their legal department only read the last line and actually put in the system to only discuss payoff which is grossly inaccurate.

On XX/XX/XXXX 3rd party spoke to a very rude individual named XXXX XXXX who represented himself as being an escalation manager. When it was requested he pull the authorization form to read it to see it was not limited to just a pay off, he refused to do so. He then attempted to lie on the phone conversation as to the nature of 3rd party repeatedly. Please ensure XXXX XXXX is removed from my file as I don't want people who refuse to open docs and lie on the phone to be touching my file. This is unacceptable. We need to get the lock box code to get access to the property that Chase has put on through property preservation.
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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$650.00} XXXX  XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXXXXXX  and a balance of {$21.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXXXXXX XXXX a balance of {$0.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. 
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 
XXXX  account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXXXXXX XXXX XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$580.00}. The original creditor is XXXX. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$3700.00}. The original creditor is XXXX XXXX. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1300.00}. 
Collection account from XXXX XXXX with account # XXXX and a balance of {$480.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 

-I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to express my concerns regarding the investigation practices of the XXXX major credit bureaus : XXXX, TransUnion, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Please remove these items immediately. This is not a third party filing this.