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

Despite three written requests, EQUIFAX has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and is correct.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified.

Account Number : XXXX : Account Number XXXX   According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. Equifax is required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly?

They 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, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a Dispute with XXXX regarding incorrect information on my credit report regarding account : ( Santander ). 

It shows a Last Payment Date as of XX/XX/XXXX. However, I never made a payment to Santander in XXXX. The report shows the account was Charged XXXX in XX/XX/XXXX. In addition, the payment amount on the report shows {$0.00}. How can they report a payment on a closed account? 

I asked XXXX to investigate and to provide proof that I made a payment, and the amount of payment. I asked that they provide a copy of the check. I requested that if they could not provide proof that I made a payment to Santander in XXXX of XXXX that the account be deleted. 

The result of the dispute with XXXX was The information you disputed has been updated However, there was no change made on the account. As a matter of fact, The Date Reported is XX/XX/XXXX, and the comment section of the report should reflect the account is being disputed by consumer but its blank. 

In addition to that. The account is not reporting accurately as it says " sold to XXXX XXXX, but the contact information leads back to Santander. How can it be sold to another company but Santander is the one reporting?

My rights under the FCRA and or the FDCP have been violated and I want the account deleted from my report immediately for inaccurate and misleading data.
Product: Money transfer, virtual currency, or money service

I m using coinbase account regularly since last 3 years suddenly from the month of XXXX they have blocked access to my funds and mentioned 40 days waiting time for funds access. Then after 50 days I mailed them telling I'm unable to access funds, they mentioned to link my bank account, when I m trying to link bank account and sell the virtual assets they didn't allow to link, they have been mentioning in mails every month telling that we have extended time line for you to withdraw, when I try to open the portal it says please withdraw funds to completely close the account. When I try to withdraw it says contact support, when contact support they just simply mail telling you ll be able to withdraw funds in near future. I have clear mail asking them what is the reason for blocking my funds, they tell its not to be disclosed. This is not at all correct thing. What right they have to block my virtual assets without any proprt explanation .kindly help me My coinbase registered mail id : XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three 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. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
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 U.S.C 1681. 

Account Name : XXXX XXXX Account Number : 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 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C. ( 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, which Antendates 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, credit repair services, or other personal consumer reports

This is my follow-up request that I have been a victim of identity theft because no one seems to care that I want to dispute specific records in my credit file that do not belong to me, the items I am disputing have nothing to do with my transactions whatsoever. 

Please block these items : XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The company ( XXXX XXXX XXXX XXXX ) reported an account to TRANSUNION without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires XXXX XXXX to send a notice before reporting negative information to credit reporting agencies. In this case, I was NOT sent a notice therfore, I am requesting TRANSUNION to remove this account from my credit report.
Product: Debt collection

I am unaware of this debt I did not have the opportunity to dispute this debt, I did not receive proper notification, if in fact you believe I received proper notification of this debt please provide the certified mail receipt with my signature on there stating that I received it.
Product: Mortgage

This is an update to complaint XXXX. In the companies response to the complaint they reported to the CFPB that {$3600.00} was given as financial compensation. This is incorrect, the {$3600.00} went to the old homeowners via XXXX. XXXX refunded that amount to the old homeowner as a result of M & T paying the old homeowners insurance along with my XXXX  insurance. M & T Did refund the amount charged in error to my mortgage, refunding payment taken in error does not count an compensation. I'm aware that M & T lost this money because they were not able to recoup the money for their mistake through XXXX. But this doesn't count as compensation either, the payment didn't go to the party who was affected by their error. I'm out weeks of time getting my loan assumption squared away. I have lost money through not being able to obtain a loan as a result of their errors, I have an issue with this being reported to the CFPB an compensation.
Product: Student loan

I made a monthly payment ON DUE DATE XX/XX/2023, and received a confirmation email. However, it has been XXXX business days and I logged into Aidvantage and it is saying payment returned. I never received notification of this. I also noticed as I checked on my withdrawal status throughout the week at my bank and Aidvantages website, some days it will appear the payment posted and others would still reflect I have a past due amount. My bank information is correct and I made my payment on time, so why is interest accruing on the higher balance when I made my payment!!! It feels fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian .XXXX .XXXX is reporting false information on my credit report and is refusing to provide me verification of accounts from XXXX XXXX I have attempted several times to get proof from Experian but all they tell me its verified but my question is how its been verified with what paper work
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and notice fraudulent activity. Please remove all fraudulent XXXX  as it is hurting my ability to obtain credit. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting as a collection when i paid this balance off before it went into collections. But on my XXXX report it is showing a collections account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these items multiple times and cant seem to get the furnished results as deleted. 
I have no knowledge of these inquiries as a prior victim of identity theft these inquiries should be DELETED.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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

The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, XXXX XXXX decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as XXXX XXXX  adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with XXXX XXXX XXXX  and XXXX XXXX.
Product: Vehicle loan or lease

It all started with emails. XX/XX/XXXX I asked XXXX XXXX from XXXX Nissan south if there are ever incentives to turn in a lease to then buy a used car. I told him right off the bat that I need to get either my payments, gas, or insurance cheaper because our dog with XXXX has increased our bills significantly. I went into XXXX Nissan XXXX on XX/XX/XXXX to discuss in person with XXXX about my options. I still had 4 lease payments due for my XXXX XXXX XXXX lease. I asked him about purchasing a used XXXX and he informed me that if I did that, the remaining lease payments would not be paid for the XXXX and that my best option is to lease a new XXXX. We went back on forth on price quite a bit, me having to constantly remind him of the whole reason Im turning the XXXX in early ( too much dog debt ). We finally agreed on a price and eventually I signed for the new lease and I thought that was it. I clearly asked XXXX if my XXXX is now all set and remaining payments waived. He said yes, 2 are waived by Nissan itself and 2 are being covered bu XXXX Nissan XXXX. A week or so later I received my {$700.00} check for 2 payments on my XXXX. Paid that and assumed its over. Fast forward to XXXX and when I go online to check out my excise ( property ) tax bill for last year I see there are still 2 remaining payments due on my account! And even worse, after 2 months, the XXXX had not even been grounded, making me responsible for it still!!!! I would have owed over {$21000.00} for a car that is no longer in my possession. The lady I spoke with at corporate was very concerned and suggested I IMMEDIATELY get XXXX Nissan XXXX to ground the Pathfinder and release my liability. The next day after speaking with XXXX via text I then received a copy of the grounding statement from the finance guy. XXXX had also told me that the XXXX will be all set and i wont be held accountable. Well thats great its grounded but he never took off the remaining 2 payments!! I NEVER would have turned in my lease early if I still would have owed payments. Someone coming into a car dealership nearly crying that the bills are too high and I need to lower them would never agree to {$700.00} extra. I was absolutely take advantage of, and feel like XXXX Nissan XXXX is giving me the runaround for something that should never have been a problem and should not have been my burden to bear in the first place.
Product: Credit card

I always pay on time, so Im unsure why Im being marked as late for certain months. USC 1666b says billing errors need to be fixed, and my account should show I paid on time.
Product: Bank account or service

I have Bank Accounts Opened by my Social Security Number XXXX
Product: Debt or credit management

Lexington Law charged me monthly promising to remove derogatory marks on my credit. Said it would take a few months and it kept going way beyond what they said. No one responded when I tried to contact them. Got no results that I expected.
Product: Checking or savings account

I have banked with Bank of America for several years. Several months ago someone broke into my apartment and stole several identity documents and cards. I filed a police report. After the theft I noticed several unauthorized ACH debits from my Bank of America checking account. I notified Bank of America of the unauthorized ACH debits. This happened XXXX times. After noticing that my debit card was missing I went into a Bank of America branch and requested a new debit card and told the banker that my card had been lost/stolen. The banker did not close my old card and charges continued on that card. When I noticed the charges I called Bank of America and told them and demanded they close the old card and disputed the charges. A few days later my account was frozen by the XXXX XXXX an access to my accounts was restricted. During the holiday season when I need access to my money the most I have been locked out and can not access my funds due to no error of my own. My accounts were all in good standing all with positive balances. I had a Bank of America credit card that I never missed a payment on. Basically someone robbed me, stole my identity, I follow the advice of the Bank and reported it to the police and put a fraud alert on my credit profile and the Bank decided to punish me for it. Police report info : XXXX Police Department. Report XXXX
Product: Mortgage

In XX/XX/XXXX got sick with XXXX. Out of work several months. Requested Mortgage Assistance. Took them Ameri Save 6 months to review me. Then finally got 3 months trail plan was XXXX, XXXX, and XXXX succfully make XXXX, XXXX payments, was good, went through great. However, my problem was on my 3rd trail payment. XXXX XXXX payments were {$1200.00}. Made the XXXX payment in XXXX, only for my payment {$1200.00} was sent back to me in XXXX, the letter stated less of the enter amount due, in the last 9 months. Upon receiving this notice, I called AmeriSave on XX/XX/XXXX. About the returned check, but they had no information on it subject, I weren't sure why was returned. They advised me AmeriSave they actually closed out the modification XX/XX/XXXX XXXX requested the right to repeal sent them in the proof of payment, but never heard back from them. Most importantly on XX/XX/XXXX, AmeriSave failed to advise my up coming foreclosure date of XX/XX/XXXX XXXX was not notified at any point about a scheduled foreclosure, and was not served any foreclosure documents. I was advised by AmeriSave, that during my trail plan approval, that appeal process foreclosure would be canceled. Indeed AmeriSave foreclosed on XX/XX/XXXX. I believe AmeriSave Mortgage is in direct violation of the CFPB dual tracking of Foreclosure while inactive medication plan. 
My understanding AmeriSave should have not had any foreclosure on the home under a approval status. During this entire load modification issues my mortgage I was never assigned signal point of contact that could resolved my concerns personally. Each time call AmeriSave I was transferred to multipole people had no clue above my specific situation.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my credit that I didn't authorized.
Product: Mortgage

I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit recently and discovered many mistakes on my file, from address and account information on several that are not mine orstill showing a balance and it is charged off. I am enclosing a detailed letter that describes what I am complaining about
Product: Student loan

Yes sir, In the beginning I was getting a loan and then my loan got sold to a third-party commercial loan. I dont know what status the loan is that its a commercial now or is it federal student loan. I filed for XXXX XXXX bankruptcy protection and under this protection I thought commercial loans would be forgiven can you please look into this for me thank you my bankruptcy finalized XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item.

2.Assurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA.

3.A detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 



XXXX XXXX XXXX
Product: Debt collection

this company I never did business with charge off an account that doesn't belong to me. after it was deleted they changed the account number so that they can re report it to my credit file after it was removed
Product: Debt collection

AFNI is collecting from the original creditor, XXXX XXXX XXXX. AFNI is currently reporting on my credit report that the debt was opened in XX/XX/XXXX. I have disputed this with the credit bureaus multiple times. AFNI did not respond to my letter to validate said debt. 

The last time I had XXXX XXXX XXXX was in XX/XX/XXXX. I have no knowledge of this debt but if I did, the statute of limitations for Florida ( where I resided at the time I had an XXXX XXXX XXXX account ) is 5 years per F.S. 95.11. That being said, if I owed the debt in question, this debt would have been barred in XX/XX/XXXX. AFNI has previously received numerous complaints that the company re-aged debts as soon as they reached the statute of limitations. A reasonable person would concur that AFNI has re-aged a debt in this case, as again, if I owed the debt in question, it would be barred from collection practices as of XX/XX/XXXX. AFNI provided no debt validation for me to review. I have no knowledge of this debt. Please assist. 

Afni, Inc. 
XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a hard inquiry from XXXX XXXX B that I did not authorize. It shows to have happened on XX/XX/18 but I received nothing from them nor have I ever communicated with them.