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

Equifax failed to correct and remove incorrect information from my credit report.

1. Company reports XXXX XXXX  account since XXXX ( XXXX  years!!! ) & reports collection in XXXX that never happened. My XXXX  turned XXXX in XXXX of that year & payments were made directly from Social security account up until XX/XX/XXXX resulting in overpayment ; 2. Company reports late payments to my mortgage company- Chase. No late payments ever occurred. Payments were made on time & I've sent documents supporting my claim ; 3. Company reports mortgage with XXXX that allegedly originated in XX/XX/XXXX. That was never the case. My mortgage was transferred from XXXX to XXXX in XX/XX/XXXX. After said transfer took place my loan was placed in forbearance status so I could fix my property that was damaged during storm XXXX in XXXX, XXXX XXXX in XXXX in Florida ; 4. Company failed to remove accounts associated with ID theft despite filed police and FTC reports ; 5. Company reports my oldest account originated in XXXX while my credit history began in XXXX. 
Equifax failed to provide me with point of contact in their legal bureau so I can serve them with legal documents
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - XXXX  from XXXX  school XX/XX/XXXX - entered XXXX  program XX/XX/XXXX - requested that federal student loans be placed in forbearance for duration of XXXX  program XXXX  XXXX - received emails stating loans were 90 days delinquent and credit score dropped from XXXX to XXXX - contacted student loan servicer and student loans had not been placed in forbearance when first requested in XXXX - student loans were then placed into retroactive forbearance for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - student loans remained in forbearance until completion of XXXX  XX/XX/XXXX - began dispute with XXXX  XXXX Equifax and XXXX  credit reporting agencies - disputes were completed and inaccurate 90 day delinquency WAS NOT removed from credit report, inaccurate information remains on credit reports - information was not removed despite updated documentation showing loans were placed in forbearance by student loan servicer dating to XX/XX/XXXX XX/XX/XXXX - submitted direct credit dispute to student loan servicer - reopened credit dispute with XXXX  and submitted updated documentation ; no resolution and inaccurate information stating 90 day delinquency remains on credit report - Equifax XXXX unable to login to system, requested new password information and no email was received despite multiple attempts to reset password - XXXX  XXXX unable to login to system on multiple days and multiple attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

It's derogatory reporting to my credit report from XXXX XXXX XXXX ; which is causing me hardship.They have sold my credit information to various credit collecting agencies, and garnished my wages unlawfully. These agencies have violated me in so many ways. They are sending me letters, calling my personal phone number, and emailing me ; which is a violation of my privacy. I had zero knowledge of this company selling my information. We as consumers are violated every day with these company 's fraudulent practices. These debts are already paid through our XXXX XXXX XXXX The violation becomes over kill, and is a XXXX issue, by reporting derogatory information. This is considered deformation. These corporations want to overly profit adding interest, putting our information on the stock market, and selling our information to other agencies. 

According to HJR 192 these debts are not ours, because they are already paid. I can send in any documentation as requested. This include emails, letters from numerous companies, and a call list. 

" The Federal Government took our lawful money out of circulation in 1933 but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, as of XX/XX/XXXX Equifax has not investigated or responded to the following issues on my credit report at all. Equifax has violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below Equifax ACCOUNTS XXXX XXXX late XXXX XXXX late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS  XXXX {$79.00} XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX   XXXX XXXX {$3800.00}
Product: Credit card or prepaid card

I received an email last night from Discover Card from their Customer Protection Services ( see attached email document ) that the credit line account jointly owned by my wife and I ending in XXXX has been closed. The reason given as stated in the letter is - Unsatisfactory Payment History. 

As far as I know, since this credit line account was opened in 2011, I have never missed a payment neither have I paid interest in keeping balances on the account after a payment due date of a month 's billing statement. Therefore, I would like Discover to provide me with their record showing my " unsatisfactory payment history '' leading to the closure of this credit line account ending in XXXX. In addition, for several days now I have been unable to login to this account. 

If this is an attempt by discover to damage my name or spoil my credit because of my status, background, race, or whatever, then they should come out clear.
Product: Mortgage

My current mortgage company Rushmore Loan Magnagement Services failed to pay my home owners insurance. XXXX XXXX XXXX XXXX  has been my mortgage company for 25 years, since day one, has paid my homeowners insurance out of my escrow account, annually, then billed me in monthly payments to cover the escrow. XXXX XXXX XXXX XXXX  XXXX sold my mortgage to Rushmore then notified me via regular mail that the only change to my loan would be who I paid and where I sent the check every month. Other wise the mortgage would be IDENTICAL. My house caught fire XX/XX/2023 and burned 75 % of it. I reached out to Rushmore to obtain the company name and contact person at the insurance company. Only to find out the dropped my homeowners insurance and placed Lender placed insurance on my home and NEVER INFORMED ME OF THAT. Bow because of their actions I have lost my home and everything I owned, Their neglect will cost me XXXX XXXX dollars. I want this company to do what is right!
Product: Student loan

My Company made a payment of {$1000.00} towards my student loan payment since XX/XX/year> and this payment has since not been posted to my account. I have contacted EdFinancial services multiple times with proof of payment from my company but EdFinancial has still refused to post the payment to my student loan account.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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. 
XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>
Product: Money transfer, virtual currency, or money service

There were 5 transactions for XXXX dollars that were made from a XXXX  in XXXX New York XX/XX/XXXX between XXXX and XXXX that i did not authorize I contacted the company they were very rude and disrespectful hung up on me once and got rude with me several times about these charges that i did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed back in XXXX and this account DOES NOT BELONG TO ME NOR AM I RESPONSIBLE FOR THIS ACCOUNT. The bureaus nor the creditor was able to prove to me that I was the owner and by law that Is illegal and everything has to be removed per 15 usc 1681b! I am so disappointed with the companies and I do not want to have to take legal action. I am giving you all XXXX more chance to make the situation better and finally FIX THE ISSUE BY REMOVING THE FRAUD ACCOUNT THAT DOES NOT BELONG TO ME FROM XXXX XXXX XXXX XXXX
Product: Mortgage

The loan has an impound account and the servicer is responsible for paying taxes and insurance. However, the insuree ( XXXX XXXX XXXX ) has not received the insurance payment and hence canceled the insurance policy for the property. 

I have tried multiple attempts to try to resolve this between Specialized Loan Servicing and XXXX XXXX. No action has been taken to remediate the issue.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Okay '' over seven yrs ago '' XXXX I had purchased a tv from XXXX 's store okay I had the tv almost paid off when something went wrong with it, and it was taken back to XXXX 's by them they picked it up, and I had to do some paperwork so they could credit my account what I already paid on tv. They said they would replace it and just keep making my last few payments and the new one will be mine so I did, well when went to make my last pymt, they said I just started my pymts and said there was no record of them crediting my account so I told them I was n't paying for it twice. Then they came and took the tv.a couple months later I get a letter from XXXX 'S saying I was behind and neededto pay them XXXX for XXXX t.v. and like XXXX for the XXXX one. I explained it and they did n't care, so I told them I 'm definitely not paying them so they sold the debt to NATIONAL CREDIT ADJUSTORS, and i waited eight yrs for it to come off my credit. Finally it did in XX/XX/XXXX. Now I 'm older so wan na buy a house I ordered my credit report and there it was again after yrs of being off my report. Only now it 's reporting that I opened the account in XX/XX/XXXX. It 's affecting my credit score big time and I never did anything wrong at all. I told national credit ADJUSTORS the story, and told them I would like to see my disclosure from them and got hung up on. PLEASE HELP ME I CA N'T WAIT ANOTHER EIGHT YEARS and not paying for something they took and was already over paid for
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter of validation to XXXX XXXX XXXX XXXX. i have not received proof of validation as of yet. They also accessed my consumer report without written or verbal consent. under XXXX us code XXXX the consumer has a right to privacy. i have also received multiple letters from them with name and logo on mailing envelope. this is violation of XXXX us code XXXXf. XXXX us code XXXX was not disclosed to me either this is also violation of XXXX law. XXXX XXXX XXXXa was not disclosed to me. XXXX XXXX is attemping to collect an alleged debt illegaly via XXXX XXXX. article XXXX section XXXX states debt can only be paid with silver or gold. i truly feel like im be taken advantage of. If this alleged debt is not stated paid in full immediately. i will file litigation due to XXXX and unlawful use of my consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple times on incorrect items that are on my credit report with XXXX, XXXX and Transunion and it has taken well over 30 days of me not receiving any investigation results.
Product: Debt collection

I have been dealing with the defamation of my consumer credit report and the cruel abuse of my reputation. Credit Control Corporation has violated my privacy and has continuously done so sense XXXX/2018. This has taken a major effect on me and my family because I could not extend myself credit pursuant to my open ended consumer credit plan. This alleged debt is not owed by me and is in fact medical information that should be excluded from a consumer credit report 15 USC 1681a ( 3 ) ( A ). This advertisement of a sale of debt is fact coercing payment of debt 15 USC 1692d ( 4 ). Which leads into the violation of 15 USC 1692e ( 10 ) - Deceptive means to collect or attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph
5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Debt collection

XXXX been to XXXX emergency physicians on XX/XX/2020. I was in the state of wyoming at the time identity theft
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX Cash app embezzled XXXX dollars from me. 
They double charged me moved my money with out permission charge excess of fees made fraudulent purchases and refuse to acknowledge it and refuse to reimburse me. There are many mistakes viewable on my balance sheet and activities page. They have taken access to my accounts and wallets that are not attached to them. They have sales I have been involved with on their ledger and no time was cash app involved whatsoever. They owe me numerous times over just in this one week. I will attach the balance ledger given to me. Which has bogus charges and purchases and fees attached. I see trips and purchases I don't know of. As in with video surveillance still you can not see me making the transactions. Also they do not list transfer I did make. The amount is XXXX total of XXXX $ due to me and I get no answer. There are charges and purchases and cash app was not involved in.
Product: Mortgage

On XX/XX/2020 I paid Amerisave Mortgage a {$500.00} mortgage refinance application fee. The fee is held to process the refinance and pay for loan processing services. During the loan processing Amerisave made several errors such as sending my credit score disclosure to the wrong person, loosing employment verification information and unable to explain the fees associated with the refinance transaction. Due to these issues my refinance was delayed by processing thus making it almost impossible to obtain favorable loan terms. Do to these issues they were unable to deliver the product that I paid {$500.00} for and have not responded to my request for a refund both submitted via email to the mortgage originator or the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian several time and they are refusing to remove credit inquires. My Experian credit report displays  XXXX  hard inquires that was n't unauthorized by me. Please remove all credit inquires from my reports.
Product: Debt collection

Over 8 years ago Out of Statute Currently live in XXXX XXXX, CA but debt originated debt originated in GA ( haven't lived there for over 8 years ) GA Statute of Limitations - 6 Years Paid in Full Returned Equipment - To physical office in person, upon moving Collection Agency is gaming the system to use a recent account open date and therefore the credit record is completely inaccurate XXXX  - Also filing complaint with XXXX  Credit Score - This haphazard, illegal & non-compliant collection tactic has dropped my score by XXXX points in one day and I will take further action if this record is not completed deleted off of all credit bureaus quickly
Product: Credit card

Identity theft, someone tried opening credit cards in my name with XXXX different cards. I did not apply for any of these. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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. 


FRAUDULENT ACCOUNTS : Account Name 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  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, credit repair services, or other personal consumer reports

Whom it may concern : I have submitted three ( 3 ) separate qualified written investigation requests ( months XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX ) to Equifax. I have request that, as required under FCRA section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ), provide copies of any original documentation be provided as verification. Equifax has failed to provide the method of verification as required under Section 611 ( a ). 

Equifax has not only failed to provide verification ( written documentation of proof of contractual obligation, they have also refused to investigate all of the tradelines or credit reporting to my credit that was listed on my investigation request, often completely ignoring my XX/XX/XXXX written investigation request and investigation tradelines that I never requested. Equifax updated some of my request for investigation as verified but refuses to provide documents on how it was verified although I have requested in my written investigation request numerous accounts. I have attached proof of my investigation sent along with my certified mailing receipts.
Product: Debt collection

On XXXX United Revenues was sent a request for validation of debt. On XXXX the debt collector sent correspondence that was not sufficient to my request. On XXXX another request was sent to the debt collector regarding the alleged debt. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt with sufficient documentation and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Product: Money transfer, virtual currency, or money service

I had a crypto investment with Binance.com, a company that eventually got banned in the US. We were given time to withdraw funds to Binance.us. I followed ALL protocols to transfer the funds. Binance.us gave me a disbursement confirmation request. I confirmed the disbursement. The funds left Binance.com but never arrived into Binance.us. 

I have all documentation to prove the withdrawal and deposit request, as well as the disbursement confirmation. 

XX/XX/21 Binance.com Withdrawal Request " Youve initiated a request to withdraw XXXX EOS to the following address : useosbinance MEMO XXXX " XX/XX/21 Binance.com Withdrawal Confirmation " You've successfully withdrawn XXXX EOS to the address. 
Your withdrawal address is useosbinance, txid is " XX/XX/21 Binance.us Disbursement Verification " NAME, we have received your disbursement request made on Binance US and need you to confirm by following the instructions in this email before we can process it. 
ACCOUNT NAME BAM-Linked Account-__________ DISBURSEMENT AMOUNT US $ XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/21 Confirmed Disbursement, and no money was ever deposited. 

XX/XX/21 Created Support Ticket Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/21 Created Support Ticket AGAIN Support Ticket XXXX XXXX XXXX XXXX XXXX XXXX - new ticket merged with previous ticket I have since learned that MANY MANY people are in a similar situation. I have received ZERO HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my federally protected consumer rights. I have never given the any written instruction to furnish any credit report on my behalf. Also, they are reporting nonpublic information on my XXXX report which is a violation of my privacy. VIOLATIONS pursuant to 15 usc 1681 ( a ) ( 4 ) and 15 USC 1681b ( a ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not open these two accounts. I have been XXXX  from XXXX until XXXX XXXX, XXXX and need to get these two XXXX  accounts removed from my credit report. I have been released to the XXXX XXXX under the COVID cares Act as of XX/XX/XXXX, until XXXX and want this completed prior to being released. 

I have sent proof of FTC Theft report, XXXX  and XXXX  information and want this deleted from my credit report as I did not open these accounts. Please remove this incorrect information from my credit report. Thank you