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

This is my third complaint about Equifax, XXXX, and XXXX for not meeting Metro 2 Compliance or E- Oscar Protocol when verifying collections on my credit report. The Credit Bureau stated that my accounts were properly investigated Complaint # XXXX. This was a false statement by the credit bureau because the date opened is inaccurate and the date last active is inaccurate. And some of the collections account are the same account under to different names. Some of the collections accounts are still receiving payments beyond the last date of activity. 
1. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the date last active is inaccurate across 3 all credit bureau. On the XXXX  report the last date active has been reaged. These inaccuracies grounds for removal from my credit report. 
2. XXXX Acc # XXXX. The account type is inaccurate, the account status is inaccurate, the date opened is inaccurate, the date lasted reported is inaccurate and the last date active is inaccurate across all 3 credit bureau. These inaccuracies grounds for removal from my credit report. 
3. XXXXXXXX XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the date last reported is inaccurate, and the date last active is inaccurate. On the XXXX report the date last active has been reaged and this account is also being reported under XXXX Acc # XXXX. These inaccuracies are grounds for removal from my credit report. 
4. XXXX XXXX Acc # XXXX. The date opened is inaccurate, the high credit is inaccurate, the credit limit is inaccurate, and the date last active is inaccurate. These inaccuracies are grounds for removal from my credit report. These inaccuracies violate my rights under 15 U.S.C 1681 Section 602 A. States I have a right to privacy, under 15 U.S.C 1681 Section 604 A, Section 2. The consumer reporting agency can not furnished a account without my written instructions.

I am factual disputing the accuracy of all these accounts.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Amount {$1500.00} XX/XX/year> Amount {$4000.00} XX/XX/year> Amount {$0.00} shows late payments I have reached out and have gotten no help from any of these accounts and I have filed disputes and still have gotten no progress to removing these accounts from my credit report and late payments as well.
Product: Checking or savings account

On XX/XX/2022, I mailed Discover Bank XXXX money orders. Because Discover is an online bank, I could not deposit the money orders through the online/mobile app, but rather had to mail them for processing. Prior to mailing the money orders certified, I called Discover XXXX times to ensure that I was properly mailing the money orders to the correct po box . The USPS tracking indicates that the money orders were received on XX/XX/2022 ; however, after an investigation, Discover informed me yesterday that it never received the money orders. Further, Discover 's USPS representative stated that it does not know what happened to the money orders that were mailed via certified mail. The supervisor did not offer any options to make me whole. However, she did apologize for any inconvenience. That same day, I opened an investigation with the USPS XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX My account with this company was discharged in a bankruptcy in XXXX. However, they have suddenly updated my account 3 years later to reflect the account is charged-off with a balance of over {$2500.00}. This is incorrect and a violation of the Fair Credit Reporting Act ( FCRA ), which requires that accounts included in bankruptcy be reported with a XXXX balance and noted as discharged in bankruptcy. This caused my credit score to drop XXXX points in XX/XX/XXXX in the midst of me trying to move into a new home. 

I've filed XXXX credit disputes with XXXX and contacted the company on multiple occasions to have the information corrected on my credit report. All times, they have refused to correct this information on a recorded line. They advised they sold the debt to another agency, but I don't understand how a discharged debt can be sold three years later. The only assistance they provide is directing me to the collection 's agency, who I called and they told me they aren't the ones reporting it, that it is Upstart and I should call them for assistance. Sending me in circles. I've emailed evidence over to Upstart and included the evidence in the disputes with XXXX, they still will not correct my credit report. I am unsure what else to do as this is harming my ability to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g .They were to notify me of this in writing 5 days prior, I was not notified. 

I have reached out to the credit bureaus several times to have these accounts removed from my consumer report and they have failed to do so
Product: Credit reporting or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize and did not open ; the accounts need to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Equifax Information Services LLC. Despite notifying them over 30 days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report unaddressed. This negligence violates my rights under the FCRA and continues to inflict financial harm. I urge the CFPB to ensure the removal of these accounts and uphold my consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My Navient accounts were put in forbearance from XXXX/XXXX/XXXX until XXXX/XXXX/XXXX with no alternative payment options given. I paid interest only during this time. 

These student loans were issued in XXXX and XXXX. The total amount I borrowed was {$24000.00}. I consolidated {$22000.00} in XXXX XXXX which was also my balance in XXXX after 9 years of forbearance. I did not reapply for forbearance each year as the law states should happen. 

I have been paying on these since XXXX and I still owe $ 13,000+.
Product: Mortgage

In XXXX we were offered a Disaster Forbearance Plan for XXXX to XXXX, since we were in the issue areas for the hurricane. When we reached out in XXXX to end the Forbearance and take the Deferment option, we were then notified that the original person who set up the Forbearance gave us false information. The Deferment option was never even an option based on our lender. We would have never taken forbearance with the other options listed on the letter we received on XXXX XXXX. I have spent countless days back and forth on the phone with them expressing that we were lied to and basically given the " too bad so sad, we sent a letter ''. We currently have an interest rate of 2.75 %. Initially we were told that we could make a repayment plan of {$3000.00} per month for 3 months. Then when we called back in XXXX to set up the repayment plan and resume our payments, they told us we were already set into a Modification. Why would I modify my loan to end up with a higher interest rate? Every call we have made, you will hear us saying Modification is not and would not be an option for us. We spoke to a supervisor named XXXX, who talked in circles and basically explaining thats our only option. My wife said we would call back and let them know which option we were taking. When we did, we said we would take the repayment plan, but NOW they have added XXXX into the forbearance so it will be 3 payments of $ XXXX. We were transfered to XXXX XXXX on XX/XX/XXXX, and after she went over our finances she explained that we wouldn't qualify for any other payment option after taking some information from me. I am a 100 % Totally Unemployable XXXX Veteran. After almost a 2 hour phone call, XXXX notified us that I was eligible to be placed back on Forbearance, and we could use that time to pay down like we had initially asked. ( I asked over and over again to at least make XXXX 's payment and was told we couldn't do that ). Yesterday afternoon we received a letter from Pennymac explaining that we may now begin receiving foreclosure notices if we don't bring the mortgage current soon. I signed on to my online account, and found a notice that says we requested to end the forbearance on XX/XX/XXXX. This is now multiple times they are making decisions for us without our approval or even knowledge.They keep posting as " Completed Covid Forbearance Plan '' but we never took a forbearance for Covid. We accepted the forbearance to get caught up from unexpected hurricane prep and post costs.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and concern regarding the multiple unsuccessful attempts I have made to correct late open account associated with my financial profile. The continued presence of these inaccuracies on my records is causing significant distress and affecting my financial well-being. 

I initially brought these issues to your institution 's attention, with the hope that the necessary corrections would be made promptly. However, despite my multiple efforts to rectify this situation, I have yet to see any meaningful resolution or progress. 

The late open account that are currently appearing on my financial records are having adverse consequences on my creditworthiness and financial stability. They are making it challenging for me to secure loans, credit, and favorable interest rates, thus impeding my ability to meet my financial obligations and achieve my financial goals. 

I first submitted a request to correct these late open account, providing all the required documentation and evidence to support their inaccuracy. Nevertheless, my request was denied without a clear explanation or thorough investigation. 

Determined to rectify this issue, I submitted a second request, reiterating the evidence that these late open account was erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

Following these unsuccessful attempts, I made a third and final effort to address this matter, with the expectation that my concerns would finally be addressed appropriately. However, I have received no communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open account and, if found to be inaccurate, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of this inaccuracies and their impact on my credit profile. 

I also urge your institution to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open account from my credit file : XXXX XXXX XXXX XXXX**** Balance : {$0.00}.
Product: Debt collection

Summit Account Resolution claimed to have a valid claim against me but this is not accurate. The instrument known as the contract is the security that is being used for trading for profits. The contract may have been assigned to them but they never actually registered the security for their assignment. This is a necessary action defined under the Securities Act of 1933. They can not do this because they are a third party that has no lawful rights under the Securities Exchange Act. Since this is a security this is a federal matter and if this security is not registered within 14 days of this complaint I will be filing a formal complaint with the SEC as a whistleblower and filing a federal lawsuit against your establishment for various violations of federal law including extortion, securities fraud, and tax evasion. Since I am a holder in due course I have certain rights and defenses that I will explore in the event you continue violating my rights. I have a right to equitable protection since the contract is being held by you and the original creditor. If you do not under this complaint I encourage to reach out to your legal team as I am prepared to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a loan for a used XXXX XXXX XXXX with XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX wrote a letter that the entire balance on our loan was due and that we should call them asap to resolve the matter and that they wanted to work with us. The subject line of the letter stated " Payment options available for your account ending in XXXX - action requested. '' They " charged off '' the balance the same date as the letter. They gave us zero time to pay this balance, which we paid the entire amount of {$2800.00} in two payments, including their fees of {$940.00} within that month. ( See documentation ). It is true that we were behind on our payments, but my husband was in contact with XXXX XXXX regularly to make arrangements to make payments. 

Our contention is that we were given no chance to remedy this before it was charged off, and a large part of the charge off is their fees, which we believe is illegal. Their correspondence clearly states they have payment options available and want to work with us. A few of the credit reporting bureaus are showing that this account is a charge off and we owe {$1800.00}. This is not true, we paid the balance in full including their fees by XX/XX/XXXX and have the title to the car in our possession. If any consolation, this was right around the busy holiday season and should be taken into consideration. 

In talking to XXXX in the office of the president at XXXX XXXX XXXX XXXX, she informed me that calls were made to my husband or myself, in which we were notified that this account was going to be charged off. Neither my husband nor I, received any phone calls. I asked XXXX if she had proof of this and she said I would have to subpoena them for this information. We are not litigious and do not know how to do this, and should not have to do this. 

Attempts to remedy this dispute with the credit reporting bureaus and XXXX XXXX, have proved futile. What XXXX XXXX has done charging off their fees, we believe is illegal, and they gave us no time to actually take care of this obligation. 

We respectfully request a full investigation into this, and that they credit reporting bureaus be notified that this account has been paid in full and that the charge off be removed. There is no sufficient reason a charge off should continue to appear on our record for up to 7 years, when this was paid within a month of notice of acceleration. In addition, the months of XXXX and XX/XX/XXXX, at least one credit reporting agency shows a FP or failed to pay. This is incorrect and attempts to have this changed have not been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

send informatyion to all : XXXX  XXXX  all information on the report, not mine XXXX  XXXX XXXX ( same ) XXXX XXXX XXXX ( same ) XXXX XXXX  ( same )
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses that are incorrect are reporting on my credit file XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX WY XXXX, FL XXXX
Product: Debt collection

Southwest credit claims I owe them {$450.00} for XXXX I was a victim of identity theft in 2022 to somebody else has made this bill not me and I keep telling him that but XXXX doesn't want to believe that for some reason they harassed me over 20 times a day to tell me they're going to lock me up do all this and I've had a bait of it
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM LIVID!!!! This is my 4th attempt to correct my consumer report!!! 

These accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX These Addresses need to be removed : XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX XXXX XXXX , XXXX, PA XXXX XX/XX/XXXX FORMER XXXX XXXX XXXX , XXXX, PA XXXX I do not recognize these hard inquiries and they need to be removed also : XX/XX/XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX , NY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX, XXXX, TN XXXX N/A The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX XXXX Balance : {$940.00} XXXX XXXX XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$3000.00} ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

On numerous dates, I 've sent Letters of Dispute ; most recently on  XXXX / XXXX / 2017  &  XXXX / XXXX / 2017 .     The amount disputed is {$10000.00}, which was included on  Ditech  's " Payoff Quote '' to  XXXX   XXXX  and which I had to pay in order to close escrow per contract with Buyer or face Breach of Contract. I paid the above amount, but have had no luck in recovering.     The actions taken by me, were to continuously write them letters requesting they provide us with a REFUND of {$10000.00} or provide a Payment History proving  DiTech Financial were corr ect in charging said amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of fraud. I have contacted XXXX, Equifax, and XXXX numerous times, and I have disputed this fraud items with this company. In additionally, I have sent a copy of my police report along with my theft report to Equifax, XXXX, and XXXX. XXXX need to remove fraud accounts. The 6 frauds accounts are : - XXXX XXXX  XXXX {$280.00}. Account Number:00XXXX XXXXXXXX XXXX XXXX : {$5500.00} Account Number:XXXX which is a fraud business account. I'm not a business. 
XXXX XXXXXXXX XXXX XXXX {$21000.00} Account NumberXXXX -XXXX XXXX XXXX XXXX  Balance : {$11000.00} Account Number : XXXX. 
XXXX XXXX Balance {$29000.00} Account Number : XXXX XXXX XXXX XXXX XXXX , Balance : XXXX Account Number : XXXX. 
XXXX XXXXXXXX XXXX XXXX Balance : {$220.00} Account Number : XXXX -XXXX XXXX XXXX : Balance {$1500.00} Account Number : XXXX XXXX XXXX XXXX XXXX XXXX COLLECTION ACCOUNT ON EQUIFAX ONLY. 
XXXX XXXX XXXX : Balance {$23000.00} Account Number : XXXX. I been a victim of fraud since 2015. I have been disputing fraud accounts. I have attached my theft report.
Product: Debt collection

I have been filing cases on this debt with Pendrick Capital Partners that I do n't owe this debt. Accordingly, to the HIPPA Laws they have to prove that I owe this debt. That they have never done to credit bureau 's and they have not answered back to my case number:XXXX, So, I decided to contact : XXXX XXXX Hospital myself and found out they have never reported anything to the credit bureaus concerning any outstanding debt. I am going to attach my medical bills from the hospital to prove that I do n't owe any debt for the amount they say I owe. Also, I am going to provide the letter they made themselves to try and prove I owe this debt they claim but it was without medical codes and every medical bill should provide the medical billing code to match the procedure and Pendrick Capital Partners can not provide that code. So, this debt should be removed from my credit report. The billing statement does n't match the XXXX Billing Report look at the dates on both form that says when I was in the Hospital. I never went to the Hospital on the date as report on the Billing that Pendrick Capital Partners provided on the billing statement.
Product: Checking or savings account

I have a joint account with my boyfriend the account was frozen XX/XX/2024 I contacted the bank the day the hold happened and was told after providing personal information ( date of birth, social security, address, etc ) that they could not give me any information because I was not the primary account holder. My boyfriend contacted the bank the same day and was told that the account was on hold and needed investigation but was given no other information. We have both attempted to receive more information on what needed to be investigated and customer service would only tell us that it was still under investigation its has been XXXX months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is NOT reporting a 25-year-old Mortgage credit account with XXXX XXXX XXXX XXXX, Acct # XXXX ; Opened in 1993 to present ; original balance : {$93000.00} ; current balance {$33000.00} ; monthly payment {$690.00} ). After speaking to XXXX, they claim they can not ADD this account unless Union Bank reports it ; However, after speaking with XXXX XXXX XXXX XXXX # XXXX ), they say that they report it every month. Somehow this account has been DELETED by XXXX or not being reported by XXXX XXXX XXXX XXXX. If the account was derogatory or in collections, it would be there. I would like this account ADDED back to my account.