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

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
XXXX. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are Student Loans from XXXX XXXX reporting on my credit report. I have tried several times to inform XXXX XXXX these are not my accounts, as well as dispute the information and request verification from the Credit Bureaus, with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Indigo Mastercard has placed a restriction on my account where I am not able to make payments. XX/XX/year> I talked to a agent and that agent told me that they could not talk to me or take my payment I should receive a letter in the mail which I never got about the severities of my account I did not what to do next.

15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

The company also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well
Product: Mortgage

In XX/XX/2019 I lost my employment and then my home was adversely effected by a sink hole on my property. The sink hole damaged my well and I had no water. I had to fix the well and plumbing situation with my own funds as insurance would not pay. I fell behind on my mortgage. Then XX/XX/XXXX hit and I was again out of work and my boyfriend who also lives in the home lost hours and was not reimbursed. I called my lender and went onto the forbearance plan under CARES. I then contracted XX/XX/XXXX and have a XXXX XXXX XXXX of XXXX. I became very sick and ended up in the XXXX XX/XX/XXXX. I was there for over a month and am still dealing with long term effects from XXXX. I read online that XXXX XXXX was extending the forbearance another 6 months for those of us still being effected. I called Mr. Cooper and was told they would not extend my forbearance. I am still too ill to work and need the additional time. I am coming to you for help.
Product: Prepaid card

I tried using the card on XXXX and was charged pending transaction but didnt go through. Tried using on XXXX and XXXX XXXX and said call card company. 
Called Amex 3x regarding issues : Was told first try another website. 
Then told wait for pending transaction to go through and it will work. It didnt work. 
I am XXXX as I told Amex so cant use in store. 
This card should be able to be used online!
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  X/2017  I am  not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt or credit management

That my account is original I know them and it is paid in full and they refuse to delete it from my credit, It's a third company. They don't tell me, they just charge. I've requested that I have a debt directly with them and they deny my rights. They keep putting that negative debt of {$730.00} dollars on me
Product: Credit reporting, credit repair services, or other personal consumer reports

Went into Conn 's XXXX XXXX to buy a gas stove and queen size mattress and box spring in XXXX. The mattress and box spring were not delivered being too big for my room. The payment amount for all three of these items was XXXX. I told Conn 's I am not going to pay that amount as I don't have all those items. I was advised to go into the store items were purchased and have them remove the mattress and box spring to get my payment lowered which I did ( XX/XX/XXXX ) and spoke with Store Manger XXXX XXXX. My payment went down to {$81.00} effective XXXX XXXX, XXXX. All payments have been made on time. Conn 's is refusing to accept this contract stating I had a prior balance and the manager did not add to the new contract thus it will not be accepted. The store manager did not see any balance owing and neither did. ( see attached ). So because of this Conn 's has been reporting me late every month to the credit bureaus as I am not paying the XXXX/month but am paying the new contract with just the gas stove ( attached ) for XXXX/month. Conn 's Credit Bureau Administrator also was contacted and acknowledge this new contract but still saying delinquency still valid. How? I make my payments on this new contract on time every month. My credit has been ruined beyond repair as now all my credit cards have dropped by Credit Line bringing my original score from XXXX to almost XXXX all because of Conn 's reporting inaccurate information. If they feel an employee made an error in transferring some amount they say I owed that is not any fault of mine. I am paying what the Store Manger stated I owed now on the gas stove monthly and make all payments on time. So not only are they reporting delinquency on payments but the amount they are stating I owe is also inaccurate. I called Conn 's XX/XX/XXXX to make my payment and the CSR XXXX put in a ticket as she seen three contract two which have been closed out as paid, the one for the XXXX amount and in another system the current one with the correct amount and balance owing ( attached ) she stated she did not know why it was not in the main system and thus filed at ticket. How do you ignore a signed contract and then say you are going to pay for the one with items you don't even have and then report me as late to the credit bureaus absolutely running my life right now. This has called unbelievable emotion distress and defamation of character as I have worked so hard on my credit building it up only to have it knocked down by something of no fault of mine. Why would I pay all my creditors on time and ruin it by not paying one? 
I have also attached the letter from Consumer Relations Ms XXXX who stated that " I deserved '' to be reported late and acknowledged that I did go into the store and signed a new contract. I don't want to have to get an Attorney I want Conn 's to admit their mistake and correct.
Product: Debt collection

I have contacted XXXX, XXXX, and XXXX on the dates of XX/XX/2023, XX/XX/2023 and XX/XX/2023. ( Copies of letters sent are attached to this complaint. ) I received an email from XXXX stating that they received my dispute and that the matter was being worked on but nothing has been done, no update, no results of investigation. 
I also contacted the creditor that is listed on my credit report. on XX/XX/2023 and ask them for validation of debt due to the fact that I did not know what account this was and asked for proof once I noticed it on my credit report AND could not get a response from the credit bureaus. 
I have not received ANY communication from XXXX or Sunrise Credit Services since I began questioning this account in XXXX. The only correspondence I received was a letter from the CFPB and I did not submit a claim to CFPB before today ( XX/XX/2023, letter enclosed ). 
XXXX has deleted this account from my credit report due to them not being able to verify the accuracy of this account belonging to me. 
It is completely unacceptable for this company, XXXX, and XXXX to disregard my rights as a federally protected consumer.
Product: Credit reporting

XXXX XXXX is a collection agency attempting to collect for doctors bills from emergency room visits. I provided my insurance information at the time of the visits and numerous times afterwards. When I try to contact the providers, I 'm told I need to speak to XXXX. When I call XXXX, they tell me that they are unable to bill the insurance. The insurance paid out all bills that were sent and my co-payments were paid. I 've tried disputing the accounts with the credit bureaus but they refuse to update my credit report. 3 accounts from 2 separate dates.
Product: Credit reporting or other personal consumer reports

My credit report is showing an error that is affecting my payment history on XXXX of my accounts. I have asked the company to correct this but they have been ignoring me and now this is affecting score and I am being denied for a home loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$19000.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well over 30 days and you are in VIOLATION of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY.

These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit card or prepaid card

A dispute to stop a payment for {$1100.00} was started by me on XX/XX/2018, when a dry cleaner 's accidentally charged me twice. The service was for {$130.00}, but an additional payment of {$1100.00} was requested by mistake, and I contacted Citibank to remedy this. The bank acknowledged the dispute, and credited back the {$1100.00} into my account a few days later. 

Then, a month later, on XX/XX/XXXX, I received a charge of {$1000.00} from Citibank along with a letter stating that " The proof of alternate payment you provided was less than the amount in question '', and when I called them again regarding the letter and the charge, their representative provided no reasons for why the dispute results were reversed, and simply said that they will send another dispute to " fix '' the {$1000.00} charge. No explanations regarding " the lack of alternate payment 's proof '' was given when I asked how there was no proof when the 2 charges in question were clearly recorded in my bank account that they are in charge of. 

Today, a month after my second call in XX/XX/XXXX, I received no updates, no correspondences, and the {$1000.00} charge from Citibank is still present in my account. When I called their dispute center again on XX/XX/XXXX, I was told to wait another 6-9 business days until another update comes through : the exact same thing I heard back in XX/XX/XXXX. 

Based on my experiences and answers that I received from Citibank, the bank has made no attempt to contact the merchant to verify the original mistake, reversed a clear-cut dispute and charged me a {$1000.00} with no explanation, and has made no progress in remedying the situation in almost a month 's time.
Product: Debt collection

master card let my sister tranfer money off my card to her bank ( CHASE ) without me knowing for XXXX XXXX i told them but master card refuse to investegate ... my sister made her transition ( XXXX XXXX ) 5 months ago..and they still harass me ... can you help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has repeatedly declined to provide the weekly report ( as outlined at https : //www.consumer.ftc.gov/blog/2021/03/free-weekly-credit-reports-during-covid-extended-until-april-2022 ). 

In response to my requests, they send postcards stating I have already received my annual report and must pay {$11.00} to obtain an " additional credit report. '' I received the first such refusal via a postcard dated XXXX. 

I submitted a written request ( to : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX, GA XXXX ) for a current credit report. I attached a description of the problem and a copy of TransUnion 's rejection card. These Items were mailed on XXXX, I did receive a TransUnion report dated XXXX somewhat later. 

I received the second such refusal on XXXX via a card dated XXXX. 

I have very good credit, however, two data communications business have employed a very similar strategy to injure my credit where they continue billing for a service I have EXPLICITLY CANCELLED, run up a " tab '' in the background and then shop it out to collection agencies who file on my credit record. Their unjustified reports of nonexistent debts have impacted my credit score up to 130 points.

My attorney and I have been working on these false reports for almost two years. All this has been an outrageous waste of time and money. TransUnion -- by far the worst of all three credit bureaus -- has been particularly obtuse and belligerent about removing these falsified " debts '' despite being repeatedly provided with documented evidence there is no underlying debt. 

Presently, my credit record has been cleaned but a THIRD data communications company is on the horizon and seems to be maneuvering toward the same objective. Worse yet, this appears to be the latest thing in tech industry chicanery ( XXXX XXXX : XXXX XXXX XXXX ). 

While these external details are beyond the scope of this complaint, I need access to current, hardcopy reports of the status of my credit accounts to manage the onslaught. 

It is clear these rejections are to the financial advantage of TransUnion and it is almost certain I am not the only person to have suffered from such rejections ; perhaps some have even been tricked into paying the extra charge. Your action to dissuade TransUnion from this activity will be appreciated by all.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. XXXX  XXXXXXXX XXXX-Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013. 

2. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Equifax stated that the account that I disputed is already reporting paid as agreed with no late payments, but that is incorrect. The account is XXXX XXXX XXXX XXXX XXXX  and there is a late payment reporting in 2020. I have informed Equifax that my payments were deferred due to covid so there should be no late payments reporting. Once again, please remove this inaccuracy from my credit report or I will take legal action for violation of the FCRA and CARES Act.
Product: Mortgage

XX/XX/2023 Mortgage payment for XX/XX/2023 wasnt applied to my XXXX XXXX payment. Requesting flagstar bank correct Errors. Account XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX
Product: Mortgage

Hi we lost our home that we was purchasing through 21st mortgage company. We lost the home to a fire XX/XX/XXXX. It was a total loss. The insurance company sent a check for {$32000.00} to pay most of the loan, all but {$1600.00} as reported by XXXX at 21st mortgage company by phone. We sent this check via USPS mail ( See attached ) to the address 21st mortgage companys sent me via email ( See attached ) we sent the check to the address provided and no problems what so ever. This left a {$1600.00} balance. I get another check for {$2100.00} from my insurance company and right away we sign it and send it to the same address provided by 21st mortgage corp. ( See attached ) that we sent the first check. However, this time somehow the mail is rejected by 21st mortgage company as we tracked the mail so we could prove it got there because from what I can see on better business bureau and many other sites that 21st mortgage company can not be trusted. And has hundreds of thousands of consumer complaints. I know this company rejected my check for personal gain so they could add interest and many other charges as now its up to {$2300.00}. As well as an argument with my wife on the phone that one of their employees had started because they wanted over {$11000.00} but we only owed {$1600.00} at the time so it didnt make sense. We told them we would send what we owed. Anyway I sent this check out in time, on time and it should have been closed by now. These companies are taking advantage of consumers at their lowest times of there lives and its pathetic. I just want my credit report fixed as they recorded a missed payment and thats simply not my fault and my lender to accept my check to pay off the {$1600.00} corrected balance. Thats all! Im gon na send the check back and see what happens this time but XXXX cant even get them to answer a phone and definitely not an email so any help would be wonderful these guys need to quit bullying people and doing whatever they want. Thank you!