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

I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX BANK. 



COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded XXXX it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX  FURNISHES XXXX UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from XXXX credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX  FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting USAAs unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.
Product: Mortgage

This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to Experian, XXXX and XXXX about unrecognized negative items on my credit report and have not received any information back. It has been over 30 days. These companies are not complying with their own policies in a timely manner. 
I sent a second letter XX/XX/2022 asking the companies listed to comply but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance : {$16000.00} ; XXXX  XXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXXXXXX Balance : {$17000.00} ; XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$680.00}.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX Dear, Credit Reporting Agencies I am writing to formally request an investigation into inacc urate and incorrect infor mation on my credit report, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have identified discrepancies that I believe are erroneous and negatively impacting my credit Stan ding Under the FCRA, credit reporting agencies are required to investigate disputes and correct or remove any information found to be incomplete, inaccurate, or unverifiable within 30 days. I respectfully request that you : 1. Conduct a thorough investigation 2. Remove or correct any information found to be inaccurate or unverifiable.

3. Provide me with a written statement detailing the results of investigation.

Please note that under 15 U.S.C. 1681i, if the information can not be verified, you are legally obligated to remove it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the investigation has been completed and that my credit report has been updated accordingly.
Product: Debt collection

Portfolio Recovery Associates continue to call my wife 's phone looking for me. She has told them several times that I am not available and asked if she could help them with something. They then want her to confirm information. We will not confirm any information with them because they refuse to tell us for whom they are collecting. They just tell us Portfolio Recovery. Until these phone calls started we had never heard from them. I am hesitant to give out any identifying information to someone that I have never heard of. They tell us that if we will just confirm the information then they will tell us who they are representing. I have never signed a contract with Portfolio Recovery so I feel that I do not owe them anything. I really wish they would quit calling. My wife and I have both told them multiple times to quit calling unless they were going to tell us for whom they are collecting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # : XXXX and 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Capital Accounts is trying to collect {$89.00}. This amount was paid thru XXXX XXXX on XX/XX/20. I called and verified with XXXXXXXX XXXX and they stated that they only use XXXX XXXX they do not use any other collections. I called XXXX and they verified payment received on XX/XX/20
Product: Credit reporting

I have XXXX collection accounts, That i paid with the agreement to delete after payment was recieved through certified mail with the collection agencys. I am still seeing them on my reports speaking with a repersenative at transunion and XXXX both told me they had not recieved anything to change my report, I would have to send them a copy of the agreement, I have done as they asked and still no response, They have not been helpfull. XXXX XXXX XXXX XXXX XXXX, XXXX {$250.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX reported XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

the reason i am writing you is because i sent you two letters informing you i made not such request for this credit check, i asked the company wheres the evidence that i initiated these requests and they failed to respond.
Product: Credit card

NFCU credit card put my account in collections after 84 days past due. 
I was having on going conversations with XXXX XXXX in the NFCU collections department that I wanted to make payments but that I was unemployed. On Day XXXX of being past due, I called XXXX XXXX to make a payment and I was informed that my account had been given to the law firm of XXXX XXXX. I asked why would you give my account away and she replied that " You did n't seem like you were was going to pay. '' Since NFCU tapes all conversations I informed XXXX XXXX, XXXX XXXX XXXX, to not destroy those tapes. 
I called the law office with the number provided by XXXX XXXX and was informed that accounts are never given over to collections before 90 days. 
I immediately made the payment to the law firm, a XXXX XXXX. In the process of making the payment I found out that NFCU did n't even give the law office my correct address, NFCU gave an address to the law office that I have n't lived at in over 15 years. NFCU sends me billing statements, collection letters and advertisement to the correct address every other week. If I had not called NFCU to make a payment I do n't know where this would have ended up, having not received any notice. Was that a deliberate action take by NFCU or the law firm. 
Please respond as to my rights. This does not seem like this was correctly handled. And, also now my credit rating will go even lower when it was not necessary. 
I have attached a letter from NFCU from the year 2005 that shows the account number and my correct address. It proves they had my address for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX account numbers XXXX and XXXX many times and Equifax continues to report negative information to my credit report. The account reports inaccurate and incomplete information. I disputed the balance they verified it but Changed the amount how is that possible? Went from XXXX to XXXX. The payment dates and late pays do not match between all three credit bureaus. Equifax is missing ontime payment info on account number XXXX for XX/XX/XXXX and XX/XX/XXXX payments were reported on XXXX and XXXX. And on account number XXXX missing on time payments for XX/XX/XXXX. Also on Equifax the dates XX/XX/XXXX and XX/XX/XXXX of are listed at XXXX and 180 days late but XXXX has them listed as 120 days late. on account number XXXX Equifax has dates XX/XX/XXXX and XX/XX/XXXX listed XXXX and 180 days late but XXXX has them at 120 days late. Inaccurate information is listed for these two accounts. They refuse to investigate independently from the consumer electronic response with no proof actually being verified. I asked to have all past investigation findings, method of investigation, who verified it and their contact information mail to me as proof of investigation and they refuse to do so. Its been past the 15 days allowed to respond. Pure negligence. The original charge off balance is XXXX and the balance now is XXXX but there is no payment listed after the charge off date of XX/XX/XXXX. So when and how was XXXX dollars paid on a charged off account and if so why is it not listed as a payment? Proof of no real investigation and negligence. Proof and documents are listed in the attached files. Also there are scheduled payment listed on both acccount XXXX of XXXX and the other XXXX they are both charged off the balance should be XXXX.
Product: Debt collection

1 800 Loan Mart has repeatedly called me 30 times a day for the last 7 months also have incorrectly reported negative things on my credit report, also called and threatened me with imprisonment lawsuit call me directory name also told me they would come to my house and do something to me after I paid them {$4000.00} and they took my vehicle now they 're saying I still owe them {$5000.00} the original amount of loan was {$2500.00}.
Product: Credit reporting or other personal consumer reports

Equifax Headquarters XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX Dear sir, I have checked the review on claim number of CFPB ( XXXX ). Since you required the recent print out of identity theft report from FTC, I will submit to you with this letter. Since it is still under investigation and recovery, I have still an account with FTC after half a year when the report was created ; therefore, I strongly believe I do not have to create a new account and continue to complain almost same matters which I have done for half a year. I do not have any police report, law enforcement report, ID theft affidavit, or a medical note from a physician, since it is better not to relate with them at all, even an American physician, who makes misdiagnosis such as TB, mistreatment after the car accident and treat different parts of the XXXX, and pulling off my treated XXXX  and claims himself/herself that he/she re-planted. I have already sent to your office, headquarters, the copies of my drivers license and social security numbers ; so please check the past mails if you keep. If you can not find out and really need for the initial fraud alert, please let me know by properly written letter, which I can read without mistake as already reported victim of identity theft, who is an XXXX and suffered by XXXX  XXXX  for years, especially, after the outbreak of the Pandemic along with XXXX due to the world considered the outbreak has started in XXXX. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian several times to solve my existing problem that they are not reporting a credit card in my credit report and I want them to add it correctly like the other credit agencies that are reporting it, I have not received any response from they experian.
Product: Debt collection

XXXX XXXX XXXX  accepted fraudulent charges on my credit card I called them from a foreign country informing them of the fraud and I closed that card, they said I could not fight the charges until I was back in the United States. This was some three and a half years ago. I returned only recently. 
Upon my return XXXX XXXX said they could no longer fight the charges because it was out of calendar. My calls eventually reached a Fraud department manager who stated that I should have been given other options to fight the charges. They did not fight for their money nor for my cash deposit, however they did apologize. I requested a letter from them stating as much and to date have not received one. XXXX XXXX sold this inaccurate account to Portfolio Recovery Associates. I alerted them about the fraud as well as XXXX, XXXX  and XXXX. One credit reporting agency is no longer showing this debit after my repeated objections. 
Portfolio Recovery Associates will not stop reporting this fraudulent and inaccurate account. XXXX XXXX will not send me the letter stating they released this debt over me.
Product: Student loan

My loan started at 6 % and now it is at 10 %. I think the interest is predatory and keeps me in debt. I want all of the interest remove since was raised to % 10.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Deposit having sufficient funds when transactions where authorized, I was charged fees due to lagged posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settle with insufficient balance deposit initially available funds. I believe these practices are unfair and request and investigation into my account.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Mortgage

XXXX XXXX has denied me credit for a new home when I have proof that no company can deny me or extend me my own credit
Product: Debt collection

During the stated time the account was said to be open ( XX/XX/XXXX ) and up to now, I've been trying to get California Check Cashing to give me more information and the validation of the debt. Moreover, they immediately sent the loan into collections without giving me time to see what the issue was. Unfortunately, I was charged an outrageous APR at the time, and there were no attempts to check in on what happened. During this time, I was going to a stage of financial hardship, and having this go through collections dampened my ability to get further aid as it lowered my credit score. I looked through my records, and it appears as though the attempt to collect debt was at XX/XX/XXXX. 

While this was only a small amount of debt ( XXXX ), but the collection hurts my overall credit score despite the fact that I have already cleared the debt.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX 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 XXXXXXXX Balance Owed : {$0.00}
Product: Checking or savings account

I used to bank with mt and moved so I closed my account I tried applying Online and failed the identity check I go to the branch I was treated horible and they refused to open me an account blaming XXXX and was told to call them I did and they said I dont have anything the bank is crazy and they treated me horible after being a loyal customer I dont understand why they treat me like this horible attitude the banker I spoke to treated me horible
Product: Credit reporting or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem consist in that the two credit operators equifax and XXXX, report data that is incorrect about me. This happens because I share the same name with my oldest son, I am tired of telling them by phone that this is not me, that they are reporting my son 's credit data, that my son 's birth date is XX/XX/XXXX and I was born on XX/XX/XXXX and we also have different social security number. But they tell me that in order to correct their mistake, I must send them all my personal documentation that confirms my identity ... and then I asked them : how is it possible that you report wrong information about me, but you tell me that you dont have my information? This is a contradiction and a paradox. I am not willing to give any private information to these credit agencies, I have no relationship with them and I will not correct anything that I have not created, those errors in my credit report are NOT attributable to me, they are the ones that have to be well documented before destroy my credit records and my reputation, all this has affected me in the request for an increase in my credit cards limits, in the cost of my insurance policy of my car and in my driving record also. They have damaged my public image and my credit reputation, having reported unverified and incorrect data about me.
Product: Debt collection

I started the process of debt verification XX/XX/17 and have been fighting this issue every since. I submitted a letter to company for validation of a debt they say I owe, but I have never been provided signature validation of the debt. The debt is not mine and I have been expressing this through certified letters. This states that I owe them $XXXX and the debt is not mine. I have requested validation with no resolution. Why would I pay a debt that is not mine? Customer service regarding this issue is disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is continuing to tarnish my credit profile and harm my ability to receive new credit by incorrectly reporting I owe a debt that has been proven to not be mine. After repeated requests they refuse to provide a signed contract by myself and sent a printed letter with an incorrect date of birth attempting to prove the debt belongs to me. 

I've told Equifax, XXXX  and XXXX  that the information is incorrect and it keeps reappearing after being repeatedly told by agents that the company will be blocked from my report.
Product: Student loan

Durning the COVID 19 pandemic the Presidents have enacted a bill to postpone federal student loans. I have federal student loans with 3 services which 2 services have postponed my payments due to the COVID relief bill. Aspire Servicing Center has not postponed my payments they have been reporting them as past due. I recently got an alert to my credit report that my credit score dropped 153 points from XXXX to XXXX. I then found that Aspire reported my federal student loans as being 113 days past due placing me in a delinquent status and now threatening default status. I called XXXX on XX/XX/21 and the representative stated that Aspire does not have to follow the mandatory automatic postponement of repayments that the President and Department of Education put in place from XXXX and that I had to apply for assistance. I have federal student loans, not private loans or other loan types that may be exempt from this relief bill. Aspire should not be denying us this right. The negative impact to my credit is having devastating affects to my every day life and has placed me in dire straights from affecting my employment and purchasing power to securing financial assistance with every day basic living.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. DEPTEDXXXX   XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian shows an invalid address XXXX XXXX XXXX, XXXX, Me. XXXX.