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

I requested that Equifax address specific questions about an investigation they claim they made. The complaint is about Equifax Credit Bureau not adhering to my request to remove specific information erroneously recorded on my credit report. Equifax Credit Bureau was served a final notice and still has not submitted the answers to my questions about their investigation. This bureau has refused to remove all account information I have been disputing for a year now. 

I specifically requested the following information from Equifax : What certification/certified documents were received to conclude the investigation? I specifically asked for a complete copy of all information that was transmitted to the furnisher as part of the investigation. I also wanted to know who they spoke to ... 
What was the date? 
What was their position? 
What number did they call? 
What is the name of Equifax employee who spoke directly to the creditor ( s )?
What is the position of this employee that spoke to the creditor ( s )? 
What is your position to the employee? 

I have listed below the companies/accounts Equifax continues to record. Please see attachments for each letter sent to Equifax about my complaint/dispute. 

XXXX/XXXX Loan Type : Charge Account XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX/XXXX XXXX Loan Type : Charge Account Industry : XXXX XXXX Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Revolving Industry : XXXX XXXX XXXX XXXX.
Open Date :XX/XX/XXXX Status Date :XX/XX/XXXX XXXX XXXX XXXX  XXXX Loan Type : Revolving Industry : XXXX XXXX XXXX  XXXX.
Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXXXXX  XXXX XXXX XXXX Loan Type : Veteran 's Administration Real Estate Mortgage Industry : Mortgage Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX XXXX XXXX  XXXX Loan Type : Conventional Real Estate Mortgage Industry : Mortgage Open Date : XX/XX/XXXX Status Date : XX/XX/XXXXAcct # XXXX XXXX XXXX XXXX XXXX  Loan Type : XXXX XXXX XXXX : Credit Unions Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX Loan Type : Unsecured Industry : Miscellaneous Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX XXXX XXXX XXXX Loan Type : Installment Industry : Personals Loan Companies Open Date : XX/XX/XXXX Status Date : XX/XX/XXXX Acct # XXXX XXXX/XXXX Loan Loan Type : Auto Industry : XXXX XXXX Open Date : XX/XX/XXXX Status Date :XX/XX/XXXX Addresses : XXXX0 XXXX XXXX XXXX XXXX XXXX  GA, XXXX Reported onXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX GA, XXXX Reported on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA, XXXX Reported on XX/XX/XXXX XXXX XXXX  XXXXr XXXX XXXX GA, XXXX Reported onXX/XX/XXXX Former Names : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX  Date Assigned : XX/XX/XXXX Acct # XXXX XXXX  XXXX XXXX Original Lender : XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Acct # XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Date Assigned :XX/XX/XXXX Acct # XXXX Type : Bankruptcy Court number : XXXX Case Number : XXXX Date Filed : XX/XX/XXXX Status : XXXX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am a victim of identity theft and data breach i wish to block these unauthorized accounts from my credit profile usc frca 15 60XXXX XXXX
Product: Mortgage

I paid off my home loan in full XXXX XXXX, 2015 to Bayview Loan Servicing in the amount of {$360000.00}. I have not received a lien release or the return of my promissory note. I have repeatedly called and requested both documents. They refuse to even tell me when I will receive them. At this point I am helpless to clear the title on my property. There must be a period of time within which they are required to provide these documents. Please assist me in obtaining them to clear title to my property
Product: Debt collection

I have a loan out with One Main Financial. I was not able to make my payment on my due date. The very next day, the calls began. They call several times a day and the past two days have hung up and called back to back 3 times. I think it is even more unprofessional to leave a voicemail stating, " This is { their first name given } give me a call back at XXXX. '' or just leave dead air, saying nothing on a voicemail. They don't identify where they are calling from, but I recognize the number, so I know they are calling from One Main.
Product: Debt collection

I have been working with Garner and Conner since 2010 regarding a collection account and they continue to change the amount owed and are charging a 10 % daily fee. I called today and was given an amount and then they sent an email with another amount. Which is the way this collection continues to go. The original debt has been paid and they have charged more than 50 % of that debt in interest.
Product: Mortgage

I need help with a loan modification. I can not get any information on how to proceed. Senior leadership has been involved but has done nothing to assist in the process. When I call customer service I am given different information each time I call. The process has been extremely frustrating. Please help!
Product: Credit reporting or other personal consumer reports

Cease and Desist Demand & Immediate Removal of Incorrect Debt from My Credit Report This letter serves as a formal demand that you immediately cease and desist all communication with me regarding an inaccurate and disputed debt that you have wrongfully attempted to collect. Additionally, you must immediately remove any false or incorrect debt listings from my credit report and cease any further reporting of such erroneous information to credit bureaus. 

Dispute of Debt & Failure to Verify Per Legal Requirements Upon reviewing my credit report, I have found that you have falsely reported a debt that is either : Incorrect, outdated, or fraudulent Not legally enforceable Misattributed to me Furthermore, you have failed to verify this debt in accordance with federal and Florida consumer protection laws. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, upon my initial dispute, you were required to provide proper validation of this debt, yet you failed to do so. Without proper verification, you do not have the legal right to continue collection efforts or report the debt to credit bureaus.

Violations of Florida & Federal Laws 1. Failure to Verify the Debt FDCPA 15 U.S.C. 1692g Under this law, you were required to provide me with written validation of the alleged debt, including details on its origin and legitimacy. Your failure to do so means you are violating federal consumer protection laws by continuing to collect or report this debt.

2. Florida Consumer Collection Practices Act ( FCCPA ) Florida Statutes 559.72 ( 9 ) It is illegal for a creditor to attempt to collect a debt or report a debt to a credit bureau that is not properly verified, false, or otherwise disputed. 
3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 As a furnisher of credit information, you are legally required to ensure the accuracy of any debt you report to credit bureaus. Failure to verify this debt and continuing to report incorrect information violates my consumer rights and subjects you to legal consequences.
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX  Loan account opened at : US DEPARTMENT OF EDUCATION {$5600.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$5100.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$3800.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$2500.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$2400.00} DATE : XXXX, XXXX US DEPARTMENT OF EDUCATION {$1100.00} DATE : XXXX, XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections,
Product: Mortgage

XXXX XXXX Bank is the holder of my mortgage. I requested a loan modification. Ocwen my servicer informed me that XXXX XXXX Bank refuses all loan modification requests. I would like to know why XXXX XXXX Bank refuses to allow loan modifications.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 accounts fraudulently opened in my name years ago. I have attempted to dispute such items many times with the credit bureaus and the accounts that were fraudulently opened are still reporting to various credit reporting agencies. I recently found out it was my cousin who created an online login for XXXX by fraudulently using my information and opened these accounts fraudulently. I have mailed a notarized affidavit of facts from him admitting to opening and using those accounts without my knowledge. I also submitted a notarized Identity Theft Affidavit from myself and FTC Identity Theft Report to further document this identity theft issue. USAA received my letters via certified mail on XX/XX/XXXX ( Tracking # XXXX ) and did not block the fraudulent information as required by law within 4 days of receiving my dispute. As USAA should be familiar with already, when you sign an affidavit you are asserting that the information is true and that you have personal knowledge of the facts contained in the affidavit, and it is only valid when made voluntarily, without coercion, and signed by an agent authorized under Section 139 of the Code of Civil Procedure 1908 in which both affidavits were signed correctly and accordance with the law. An affidavit is pivotal in law due to the fact that nothing ( in-law ) has the power to cancel/override an affidavit except another affidavit that has rebutted the first, point for point. Any rebuttal must be for the whole and complete affidavit and not partially. This makes both affidavits legally binding under oath in which USAA as per federal law as a data furnisher must fulfill their legal obligation to treat it as such and remove the items I have identified as fraudulent in relation to identity theft immediately unless they provide a counter-affidavit rebutting the 2 affidavits I submitted to them. The fraudulent accounts on my report have caused me severe hardship as I have not been able to attain financing for a vehicle and get credit cards in emergency situations such as when the COVID-19 pandemic started and I lost my job and now collecting unemployment through my USAA checking account. I could not manage bills utilizing my credit as I should have if it weren't for these fraudulent accounts reporting to the various credit bureaus. I have disputed these accounts prior to the pandemic and they refused to remove them even after submitting the same identity theft affidavit and FTC identity theft report to the credit bureaus. FCRA 623 ( a ) ( 6 ) ( B ) states : If a consumer notifies you that he is a victim of identity theft, and gives you an identity theft report, you may not furnish information to a CRA regarding the fraudulent account or debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXX Account status XXXX XXXX updated XX/XX/XXXX Account type Charge Card Payment status XXXX  was past due XXXX  days Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Usage 0 % Monthly payment {$0.00} Past due amount - Highest balance {$520.00} Terms Revolving
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently made the discovery of an fraudulent account on my credit report. i completed an ftc report, and also filed a police report of the accounts. i sent these documents to XXXX, Equifax, and XXXX   and each of these companies told me because the account had been verified, that they can not remove the account.. and because it had been disputed in the past. I tried to explain the reason for that was because i hired a company ( XXXX XXXX ) to do credit repairs and was unaware that the account was fraudulent and the methods they used to dispute the account. i decided to to do my own credit examination and took a closer look at my credit report and came to the realization of the fraudulent account. and was still told nothing can be done. This account is not mine and was created fraudulently.
Product: Credit reporting or other personal consumer reports

I am REWRITING to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.
Product: Checking or savings account

I wrote a check to the Internal Revenue Service on XX/XX/XXXX. It was properly cashed by the IRS on XX/XX/XXXX. My check and account is with Chase Bank. 

Two years later, on XX/XX/XXXX, the exact check ( now altered on the back ) was hand endorsed and improperly cashed at a XXXX  XXXX XXXX Branch ( unknown location ) without proper identification being presented. 

My bookkeeper had no reason to suspect any foul play as it is not uncommon for me to write checks to the IRS and since it was two years later, even the check numbers didn't seem odd since check numbers rotate through and I have several checking accounts with Chase. 

When my CPA was doing my XX/XX/XXXX Taxes, it was noted that there was a discrepency in my books of {$870.00} ( the amount of the check ). Upon a deeper look and investigation of the front and back of the cancelled check, only then were we able to see that the check had in fact been altered. This finding took place on or about XX/XX/XXXX, 1 year and 2 months after the XXXX  XXXX XXXX and Chase claim a statute of limitations on fraud. They now claim I am unable to get my money back from either institutution. 

My claim is as follows : 1. XXXX  XXXX XXXX should NEVER have allowed a check made payable to the Internal Revenue Service to be CASHED by an individual. The IRS doesn't cash checks. This was NEGLIGENCE on the part of XXXX and they are hiding behind a 1 year statute of limitations clause that I think any judge would throw out due to the negligence of the Bank and it's employees in this matter. 

2. Chase Bank is insured for loss. I am not. That's why I bank with an FDIC bank. I have held and transferred millions of dollars through Chase as I have been with the company for over 30 years, having my business and personal accounts with them all of that time. For them to deny an {$870.00} claim is unphathomable considering how long I have been a loyal customer. 

I want this matter resolved in my favor and am not going to stop until it is. I am prepared to go on social media, picket the banks if necessary and close all of my accounts if I am not treated properly in this regard. {$870.00} will not hurt the bank. It hurts me financially to lose this money because of a technical issue of me not finding the bank 's error in time. 

I am prepared to do whatever necessary to recover my losses, including, if necessary, go after XXXX for Negligence, Fraud and potentially even employee collusion.
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 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 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

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

Re : Validation of Debt Account Name : XXXX Account Number : XXXX To whom it may concern, I have written several times to the creditor and credit bureaus to re-investigate and validate debt of the account listed. I also asked them to provide documentations of alleged debt.

*Proof of ownership of alleged debt *Payment history and breakdown of fees *Provide a copy of the contract with my signature They have failed to comply to my request which is a violation of FCRA and FDCPA. Under the rights of FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. I am asking for verification because my credit score is very important to me.
Product: Debt collection

I received a notice that my credit report had changed on XXXX and found that a company named Southwest Credit Systems is trying to collect on a debt that I do not owe. They can not prove I owe it per the Fair Credit Reporting Act. I have received no correspondence in the mail. It says this is for utilities and I have never been late on any utilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONE MAIN, IS REPORTING A CAR LOAN ON MY CREDIT WITH A BALANCE DUE THAT IS ERRONEOUS AND INCORRECT ACT # XXXX. I WAS SOLD A DAMAGED CLOUDED TITLE VEHICLE ( LEMON LAW VIOLATION ) XX/XX/2016 ONE MAIN FINANCED THIS ILLEGIBLE VEHICLE. I RETURNED WITHIN 30 DAYS AND WAS TOLD THAT FINANCING IS CANCELLED AND REVERSED. ONE MAIN OVER THE PHONE CONFIRMED I DID NOT OWE THEM ANY BALANCE AND ACCOUNT WAS CLOSED AND DISMISSED. HOWEVER, THEY ARE REPORTING THIS ON MY CREDIT REPORT CONTINUESLY AND STILL WITH BALANCE OF {$4600.00} DUE WHICH IS NOT CORRECT AND IS A VIOLATION OF MY CONSUMER RIGHTS. MY NUMEROUS ATTEMPTS TO CONNECT WITH ONE MAIN WENT IGNORED THEY ASKED ME TO WRITE TO THEM BUT NEVER ANSWER.. PLEASE HELP SERVE JUSTICE ON THESE PREDATORS AND VIOLATORS
Product: Mortgage

In XX/XX/XXXX my mortgage company XXXX XXXX and XXXX was sold to XXXX XXXX XXXX. My mortgage payments are made thru a program called XXXX XXXX  thru XXXX XXXX PO Box XXXX, XXXX XXXX, FL XXXX. 

While I never received a notice from XXXX XXXX  as to the correct address to send payments I did get a late notice on XX/XX/XXXX stating they have not received the XXXX payment. I called XXXX XXXX and we did a conference call with XXXX to get all of the correct information into the XXXX XXXX computers. The new mailing address was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX At that time I asked if the payment could be made via an ACH and Equity Accelerator indicated that indeed there was a XXXX Bank XXXX XXXX at an XXXX  XXXX address that accepted ACH payments. The representative from XXXX stated that was not XXXX XXXX XXXX and to use the address she gave them. 
XXXX XXXX required that we send them a mortgage statement with the correct mailing address for payments which XXXX sent me and I immediately forwarded to them via Email to XXXX. XXXX also waived the late fee at that time. as they had received the payment. XXXX XXXX decided that my withdrawl date should be move up a couple days just to make certain that future payments arrived on time and I agreed. 

On XX/XX/XXXX I received a letter from XXXX Bank stating my mortgage was past due and demanding immediate payment as they had not received the XXXX payment. I called Equity Accelerator and was told the payment was sent to XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma XXXX, OK XXXX via an ACH transfer. We again did a conference call with XXXX and XXXX XXXX again took the correct mailing address and indicated that a case would be open and an investigation started to retrieve the payment from XXXX Mortgage but that would take XXXX to 10 days or possibly longer. In the meantime I would again need to send them a current mortgage statement with the correct mailing address. Both myself and XXXX pointed out that they already had that information but they insisted that it needed to be current or the change of address could not be made. XXXX was kind enough to secure email it over to me and I immediately emailed it to XXXX XXXX and we both confirmed with them that they had it. 
In consideration of XXXX again waiving the late fee i greed to make an electronic payment via the XXXX website that day. Which I did. 

On Monday XX/XX/XXXX I called XXXX XXXX and asked why I had not received my XXXX payment back. The response was that they had not heard back from XXXX XXXX   and that they could open another case if I wanted. I asked to speak with a supervisor and after several heated words the supervisor agreed to contact corporate but could not tell me when i would get my money back. 
XXXX XXXX  thru their own incompetencies and errors have caused me to be out {$840.00} and they seem to not care if the problem is ever resolved. I asking your organization to force them to reimburse to me immediately the {$840.00}
Product: Credit reporting or other personal consumer reports

I am writing to you with a heavy heart and a deep sense of disappointment regarding the handling of my account. Despite my payment of {$180.00} on XX/XX/year>, I was reported as 30 days late on my credit report. This news has left me utterly disheartened and distressed, as it unfairly tarnishes my credit history and financial credibility. 

Adding to my distress, I also noticed a loan payment reversal in XXXX, but I don't show a corresponding credit reflected in my bank account. This discrepancy has only added to my confusion and concern.

I implore you to rectify this error on my credit report immediately. The impact of this incorrect reporting has already cast a shadow over my financial standing, and I fear the repercussions it may have on my future financial endeavors.