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

Subject : Formal Dispute Regarding Inability to Access My Credit Report Dear Equifax Dispute Department, I am writing to formally dispute an issue concerning my credit file with Equifax. Upon multiple attempts to access my credit report, either online or through customer service, I have discovered that my file appears blank or unavailable despite providing my full and accurate personal information.

This issue is highly concerning, as I have the legal right to review my credit report under the Fair Credit Reporting Act ( FCRA ). The failure to provide my credit report violates my rights as a consumer and prevents me from verifying the accuracy of any information that may be reported under my profile.

Request for Resolution 1. I am formally requesting that Equifax : Investigate and correct any system errors preventing me from accessing my credit report.

2. Provide me with a complete and accurate copy of my credit report as required under FCRA 609 ( a ) ( 1 ).

3. Explain why my credit file is inaccessible and provide written confirmation of any issues discovered during your investigation.

4. Ensure that my credit profile is properly maintained and available for my review moving forward.

If Equifax is unable to resolve this issue, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office for further investigation. Additionally, I may explore legal action for non-compliance with the FCRA.

I expect a written response within 30 days of receipt of this letter, as required under federal law. Please mail a detailed response and a copy of my corrected credit report to the address listed above. 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus last XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX Balance : {$270.00} XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00}
Product: Mortgage

I own the property and was renting it out since XX/XX/XXXX. My tenants experienced major hardships due to covid job/income loss. This issue started in XX/XX/XXXX and they were unable to catch up on the rent. They made a payment on XX/XX/XXXX, in which i applied it to the XX/XX/XXXX rent/mortgage. During that time SPS ( Select Portfolio Servicing Inc ) .the loan servicing company had the loan in a forbearance status. XX/XX/XXXX i was told by them that no further forbearance they can offer. I was very shocked that they would not offer any more assistance. I asked for a modification and was denied. They basically said to pay or they could offer me XXXX to move. Im trying to understand, how can i pay them without receiving rent.? Furthermore the Tennant 's are federally protected against evictions etc. Landlords aren't offered any protection thru this company at all. They sent me a letter dated XXXX XX/XX/XXXX stating that if i pay XXXX they would reinstate me. That amount is only good till XX/XX/XXXX then it will change and go up with legal fees and charges etc..I need a modification to help go current during theses extreme times.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Subject : Dispute Regarding Violation of 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ) Dear XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute a potential violation of my privacy rights under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), specifically in regard to the unauthorized sharing or disclosure of my personal financial information by your institution. I believe that my financial data has been shared or disclosed to third parties without my consent or in a manner that violates the provisions of 15 U.S.C. 6802, which mandates that financial institutions must have written privacy notices and provide consumers with the option to opt-out of such disclosures. I discovered that my personal financial information may have been shared with third parties, which I did not authorize. Lack of Notice/Opt-Out Option : I have not received any written notice regarding the disclosure of my financial information to third parties, nor was I offered an opportunity to opt out, as required by law. Violation of Consumer Rights : Based on the information above, I believe your institution has not adhered to the provisions of 15 U.S.C. 6802 regarding consumer privacy and information sharing practices. In accordance with the requirements of the Gramm-Leach-Bliley Act, I request that you : Provide a full explanation of how my financial information was shared or disclosed, including the third parties involved. Demonstrate compliance with 15 U.S.C. 6802, including the opt-out provision. Cease any further unauthorized disclosure of my financial information and provide written confirmation of corrective action. Please respond to this dispute within 30 days, as outlined under the Fair Credit Reporting Act ( FCRA ), and provide the necessary documentation to resolve this matter. If this issue is not addressed in a timely and satisfactory manner, I will consider taking further legal action. Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I disputed an erroneous collections remark from XXXX via Experian online for a lease account I had from XXXX. Within the same day, XXXX completed their review allegedly and instead of providing any information regarding the dispute, they added new collections remarks for XX/XX/XXXXXXXX  and XX/XX/XXXX. 

This account was paid in full and closed XX/XX/XXXXXXXX  and a new lease agreement was in effect. The first collections remark was added on XX/XX/XXXX. How is that possible when this account was paid in full and a new lease agreement had started the same day ( XX/XX/XXXXXXXX  )? Even if the remark was correct ( it's not btw ), how would it go into collections that fast? Did the 30,60, 90 day remarks not apply? I've still yet to receive any documentation of the debt in question. 

I currently have another lease account that is scheduled to expire XX/XX/XXXX. Although the current account has been paid as agreed and on-time, I believe that XXXX is confusing the two accounts and\or adding derogatory remarks haphazardly. I have not received any notices of what I owe, what the debt is for and why it is now in collections status. 

My current lease originally expired on XX/XX/XXXX. However, it was extended by XXXX until XX/XX/XXXXXXXX  to allow for my new car to be delivered to the local dealership. That should not have resulted in any sort of collections remarks on my Experian credit report on either XXXX account listed. The dates in question coincide with the dates that my current lease was extended. Again, this should not have resulted in anything other than " paid as agreed '', not " collections ''.
Product: Credit card

I purchased a XXXX  on XX/XX/XXXX for {$480.00} for a cycle of coolscultping at XXXX XXXX XXXX. When I went to the spa they would not honor my XXXX, saying that O could not do a single cycle, that I would have to do XXXX for {$6400.00}. When I said I can not afford it, they told me to reach out to XXXX  for a refund. XXXX said since the company said that all sales were final, I could not be refunded even though the spa would not honor the XXXX. I called the spa back and told them that XXXX  would not refudn me and theys till refused me service. I reached out to XXXX XXXX nd they still would nto refund me. I disputed the charge with Capital One and sent them all fo the documentation between myself and XXXX  and proof that the XXXX  remained unused. I also provided records of my phone calls with the spa.and the information of the spa, as well as what the XXXX  offer entailed. Capital One turned down my dispute twice, saying that since XXXX apologized and the XXXX  was a final sale, the could not go in my favor of the dispute, despite proof that I did not receive any services. They told me that all I could do is continue to try to get my money back through the merchant. It is outrageous, as clearly I have been scammed and my credit card company won't do anything about it.
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 XXXX XXXX XXXX and The Family Educational Rights and Privacy Act ( XXXX ). 
XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX, US DEPT OF EDXXXX : XXXX, XXXX XXXX XXXX XXXX have violated my rights. 


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.

The Family Educational Rights and Privacy Act ( FERPA )
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN XXXX : MY NAME IS XXXX XXXX XX/XX/1977 last 4 of social is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX It seems like Ive been making a complaint every day now for the past month and even provide copies of my credit report that CLEARLY SHOWS violations against my consumer rights due to inaccurate reporting... and nothing has been done!! all they due is keep sending me letters stating that there report is good ..even if it clearly is not!! PLEASE DO SOMETHING ... .ALL MY PAST COMPLAINTS HAVE PHOTOS AND HIGHLIGHTS SHOWING THE ERRORS .... THANKS IN ADVANCED..
Product: Credit reporting or other personal consumer reports

I have been having a few phone calls with the credit bureaus. They have tried to help me between disputes and getting my credit report. I am the victim of identity theft. This has been very straining. I have been working with the credit bureaus. I have no idea where to turn for help. I think it needs to be more intense than just what the credit bureaus can do. I have had a credit report security freeze in place for the last three years. For example, XXXX XXXX and Transunion reports don't match. I do not have any checking accounts at all, but under inquiries viewable only by me, it shows XXXX XXXX, but I have not had a XXXX XXXX account in more than 15 years. Whoever has that old account access and that old XXXX account may be trying to use my identity. I can provide them with all of my previous emails if requested i will work with cfpb and XXXX XXXX and XXXX and Transunion directly i will also work with XXXX XXXX
Product: Debt collection

I received a notice from a collection agency on behalf of XXXX XXXX, which I've never used. I called them to dispute it. They had my address, minus the XXXX  number and birth date, but email to create the XXXX XXXX was not mine and never heard of it. They offered me a discounted amount, which I refused because it's not my debt, so they told me to file a police report. They are opening a fraud case, but said XXXX XXXX already did and believe it's my bill. This is not my bill and I need help to get it resolved.
Product: Credit reporting or other personal consumer reports

I have asked for Experian to remove items from my credit report and sent them report symptom proof and they refuse to move it.
Product: Credit reporting, credit repair services, or other personal consumer reports

i called them and they said to get a copy of this app from you
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a USPS Certified Letter to XXXX, XXXX, and TransUnion on XXXX XXXX, in regards to several discrepancies I discovered on my consumer report. Please investigate and DELETE the following account : XXXX ACCT # : XXXX Why is this account reporting 2 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Last Activity is reporting 2 different dates. Delete this account. 
When the requested above Deletions are made, please mail me an updated copy of my consumer report. 
XXXX XXXX ACCT # : XXXX Why is this account being reported with 3 different Dates of Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX This account reports 3 different High Balances and 3 different Dates of Activity. Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Why is this account reporting 2 different dates of Last Payment and 3 different Dates of Last Activity? Delete the account for inaccurate reporting. 

XXXX XXXX ACCT # : XXXX Date of Activity is reporting 3 different dates. I am entitled to a complete and accurate report.Delete this account.
Product: Debt collection

Portfolio Recovery has placed an account on my credit history for {$450.00} as of XX/XX/2018. I have asked for some form of signed documentation showing were I have an unpaid account with them but they refuse to provide it. This account has been disputed and it continues to report falsely to my credit report.
Product: Credit card

On yesterday XXXX, I called Capital One to address a violation of their reporting practices. Capital One is refusing to assist me unless I provide them documentation. Capital One is not reporting my payment history properly and timely to XXXX. Capital One has not reported my account since XX/XX/year>, I feel that this is a direct violation and this has caused my some problems. This need to be corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reported items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that needs to be investigated and corrected : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Bank account or service

I deposited a check into my Bank of America Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from BOA that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally BOA charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called BOA who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four accounts on each credit bureaus report that were credit cards That were charged off and sold to collection agencies. The credit card still shows a balance. The balance should be XXXX   because they no longer have the debt. The collection agency does. I tried to rectify this with XXXX, Equifax, and XXXX. 
XXXX {$860.00} XXXX {$600.00} XXXX XXXX $ varies report to report {$430.00} The refuse to correct and state this is in compliance with FCRA. This is very upsetting. The collection agencies are not as bad as the credit reporting bureaus.
Product: Mortgage

I missed a mortgage payment for XXXX 2015. Once I realized this on XXXX XXXX 2015 I sent both XX/XX/XXXX and XX/XX/XXXX mortgage payments using my XXXX account. 

US Bank has reported that I was 60 days late on my mortgage and not 30 days late as was the case. I have called several times, disputed the item with the credit bureaus, had my attorney send them letters requesting correction, had a credit repair firm dispute the item several times, and finally I have written a letter to their dispute department requesting this item to be removed. As of yet US Bank has not corrected this erroneously reported information.
Product: Credit card or prepaid card

I received a Visa gift card of {$100.00} from my supervisor as a congratulatory gift for my XXXX on XX/XX/2018. I activated the card on XX/XX/XXXX to use in the future and saw that it had a balance of {$100.00} once activated. I tried to use the card on XX/XX/XXXX at a store, but was denied because the balance was XXXX. I checked online and saw that someone used the {$100.00} at a XXXX convenience store in XXXX XXXX, CA, which I am nowhere near ( I live in XXXX  XXXX, CA ) on XX/XX/XXXX at XXXX XXXX. I have proof that I was nowhere near the store on that day and time, as I was already checked into the hospital on XX/XX/XXXX around XXXX XXXX  and gave birth on XX/XX/XXXX morning. Proof of this can be provided upon request. 

I called XXXX on XX/XX/XXXX to contest this fraud, but the Visa phone representative said that she experienced the same fraud and has not gotten her money back yet. No help given. She said I will have to submit loads of evidence and if I'm lucky, I will get it back maybe in three months.
Product: Mortgage

My mother passed away in 2013, leaving her home to my family. I am not the executor of the estate so the company will not allow me to take over the mortgage. I do n't make enough money to pay it and I keep getting the run around. I make enough money to pay a mortgage. The account is in default now and I ca n't seem to get them to help me keep the house. I understand that I have a right to the house and the will gives me claim, but I ca n't get them to work with me.
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 XXXX XXXX XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to Ditech  XXXX / XXXX /  XXXX   @ their website, I got a confirmation #  XXXX . Past 30 days I find out that they never got the payment. It went on my credit report.I called  Ditech today to see what happened.First they said something about the wrong account was entered, then came back on the phone and said the information was entered twice, thus rejecting it, BUT I got a confirmation #, I thought all was well.Ditech representative said they can not correct the negative report to credit bureau.that 's all I ask for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan is with XXXX XXXX. We were making XXXX payments ( and still are ) per month XXXX} XXXX XXXX} to loan, {XXXX} to principal. XXXX was holding checks until complete payment was made, and then this caused us to show " late ''. In addition out bank account was hacked and we had to replace XXXX returned payments. I sent the information from our bank to XXXX and they were to drop the late charges on this issue. 
As to the XXXX late payments, I have sent letters, emails, and spoke with multiple customer service reps on the issue. All have stated that the issue would be resolved in our favor. This has gone on for over 5 months ... .HELP. A copy of the most current email is enclosed. 
The actions, ( or in some case inactions ) has caused damage to our XXXX XXXX and ability to refinance our loan. 

Thank you, XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion has refused to give me my free annual credit report.
Product: Credit reporting or other personal consumer reports

I desire to obtain my free annual credit report from all three credit bureaus, XXXX, Equifax and XXXX XXXX respectfully
Product: Credit reporting or other personal consumer reports

The credit bureaus, XXXX XXXX and XXXX has refused to provide any documentation regarding these accounts which arent mine I was affected by the XXXX XXXX XXXX XXXX XXXX  data breach- someone has been using my information I have a placed a fraud alert on my critter reports. the bureaus are still allowing accounts to be open without notifying me with the password. 


XXXX XXXX XXXX XXXXXXXX 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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/ExperianXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below the account that are reporting on my Credit Reports : Account ; XXXX XXXX XXXX XXXX Opened XX/XX/2018 Balance {$19000.00}.