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

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681I, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection ACT ( CFPA ) 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I have recently looked at a copy of my credit reports from Experian, XXXX, and XXXX and noticed several inaccuracies on my reports. There are many different names and addresses that are inaccurate and I do not recognize. I asked for the agencies to update my reports with my accurate and current residential information as well as employment information and none of these have been removed. 

It is my understanding that you will investigate these reports for me to ensure the correct information is reflected on my accounts as this hurts my ability to verify my identity to obtain credit.
Product: Credit reporting or other personal consumer reports

These following inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau 1700 G Street NW XXXX XXXX XXXX Subject : Formal Dispute of Erroneous Credit Reporting Request for Deletion Under FCRA Dear CFPB, I am writing to formally dispute inaccurate and inconsistent information reported by XXXX, Experian, and XXXX regarding the account XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have only complete and accurate information reported on my credit file. 

Upon reviewing my credit reports, I have identified the following inaccuracies : Inconsistent " High Balance '' : XXXX reports {$620.00}, Experian reports {$0.00}, and XXXX reports {$320.00}. 

This discrepancy violates 623 ( a ) ( 1 ) ( A ) of the FCRA, requiring data furnishers to report consistent and accurate information.

Conflicting " Date of Last Activity '' ( DLA ) : XXXX lists XX/XX/XXXX, Experian lists XX/XX/XXXX, and XXXX lists XX/XX/XXXX. 

These inconsistencies violate 611 ( a ) ( 1 ) ( A ). 

Missing " Closed Date '' Information : XXXX lists the account as closed on XX/XX/XXXX, but Experian and XXXX fail to report this status. 

Omission of this critical data violates 609 ( a ) ( 1 ). 

Erroneous Payment History Reporting : Experian 's timeline conflicts internally by reporting " OK '' statuses while simultaneously reporting 30, 60, and 90-day lates. 

XXXXXXXX XXXX  late payment history conflicts with Experian 's reporting, creating additional inaccuracies. 

These errors violate 611 ( a ) ( 1 ) ( A ). 

Inconsistent Credit Limit Reporting : XXXX and Experian list a credit limit of {$600.00}, but XXXX lists {$0.00}. 

This discrepancy violates 609 ( a ) ( 1 ). 

These inaccuracies not only violate the FCRA but also significantly harm my creditworthiness. I respectfully request that this account be deleted entirely from all three credit bureau reports as the data is unverifiable, inconsistent, and inaccurate. 

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

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX, I was approved for a VA Loan Modification with XXXX XXXXXXXX. I honored each step of the VA Loan Modification. I successfully paid each Trial Period Payments. On XX/XX/XXXX, I signed a Loan Modification Agreement between XXXX XXXX XXXX ( lender ) and myself. In the agreement it states as of XX/XX/XXXX, that borrower ( XXXX XXXX ) agrees to pay {$260000.00}, the interest will be 3.625 % beginning XXXX of XXXX. This is to remain in effect until XX/XX/XXXX of XXXX. ( Please see enclosed documents ). On XX/XX/XXXX, XXXX XXXXXXXX sent a letter of Notice of Mortgage Serving Transfer ( attached documents enclosed ). Then a second letter from BSI financial on XX/XX/XXXX of XXXX. 
I understand under Federal Law that the contractual agreement between XXXX XXXX XXXX and myself is supposed to be honored by BSI Financial. Please provide an explanation as to why my interest rate continues to be 5.75 % instead of 3.625 %. Why my payment is {$2200.00} instead of {$1900.00} per the original agreement between XXXX XXXX I understand under RESPA, Fair Credit Reporting Act and the Consumer Financial Protection Bureau, that failing to convert a trial modification into a permanent modification and failing to honor a modification agreement after a servicing transfer is a violation of law. Please explain why BSI has failed to honor the contractual loan modification established between XXXX XXXX. Under federal law, if a complete loss mitigation application is pending at the time of a servicing transfer but hasn't been evaluated, the new servicer has to review the application within 30 days of the transfer date. BSI did not review my loan modification in 30 days or less. According to the Federal law BSI is supposed to review the modification under the guidelines of XXXX XXXX not BSI, please explain why BSI failed to honor this guideline according to the Federal Laws in place? I received my first notice about loss mitigation dated XX/XX/XXXX of XXXX, from XXXX XXXX. Please explain the exceeds the 30 days according to the Federal law, please explain. Also, a servicing transfer shouldn't affect a borrower 's ability to accept or reject a loss mitigation option offered by the prior servicer. If a new servicer comes into the picture and the time frame for accepting or rejecting a loss mitigation option offered by the old servicer hasn't expired as of the transfer date, the new servicer must allow the borrower to accept or reject the offer during the unexpired balance of the applicable time period. Please see the enclosed document, why is my loan modification contract not been honored by BSI Financial according to the federal law ( s )? Please refer to CFPB XXXX Mortgage transfer disclosures. 

BSI Financial why are you not honoring the agreement established between XXXX XXXX and I ( XXXX XXXX )? 
BSI Financial do you agree I had that loan modification with XXXX XXXX
Product: Credit card

I have been a customer in good standing of Citibank , NA since XXXX. In XXXX of XXXX, I was laid-off. 
On XXXX XXXX, XXXX, I reviewed my Citi statement and found a charge from Payment Safeguard. On page XXXX and XXXX of the statement, Payment Safeguard Classic Activation was shown as ended. However on the same statement there are several notifications as well as charges, for an optional Debt Protection Product from Citi Payment Safeguard. The Citi Payment Safeguard website only provides general information on the debt protection product and no specifics on the Terms & Conditions for Payment Safeguard. The hyperlink to the Terms & Conditions did not work after several attempts on several different days at different times and has not since this review. Therefore, I have asked for a written copy of the Terms & Conditions to be forwarded to me by Citi Payment Safeguard directly. 
During the customer service call, I was advised that Payment Safeguard was still active and simply changed vendors in XXXX, but did not widely communicate this to its customers. Moreover, my benefit was still active. There were XXXX parts to the benefit I would be considered for. The customer service representative was more than happy to execute the XXXX time credit of {$200.00} immediately and the documents for the Job Loss Benefit for up to 24 months. The Job Loss Benefit for up to 24 months appears to be at issue. A copy of the Terms & Conditions were to be placed into the mail that day along with the Job Loss Benefits request documentation. 
To date, the written version of the Terms & Conditions that Citi Payment Safeguard expects to hold me accountable for has not been received. This information has been requested from each customer service representative during each benefit review status call update and in writing. Each time I confirmed that the customer service representative understood what was needed, each confirmed and agreed to forward ; this has been a total of 4 times. At this point, I do not believe the information will be forwarded and that it is policy not to do so. 
A lack of visibility to Citi Payment Safeguard 's written review process, specific Terms & Conditions, as well as the additional requests for " proof '' of job loss above and beyond documentation from that of a state, in my opinion, ( 1 ) is not the most efficient manner to process customer claims in light of online research techniques that are available, ( 2 ) gives the appears that the company may be stalling while the customer continues to pay for a benefit they are not receiving as well as ( 3 ) adds to the stress of the job loss situation. 
In addition, I was asked to submit a copy of severance information or a bank statement as proof of job loss. This is inappropriate for ANY reason from a third-party vendor to request from a customer. Particularly, when that third party vendor is doing so on behalf of Citibank. There does not appear to have been a change based on the service I 've received thus far from Citi Payment Safeguard to that of Payment Safeguard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have contacted XXXX XXXX, XXXX, Equifax, XXXX, and XXXX and they refuse to remove the invalid bankruptcy on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information 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 this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

Dear Madam or Sir, I am a XXXX veteran, XXXX XXXX in XXXX. 
I am a XXXX XXXX who volunteered in two counties near my home during the COVID crisis. 
I am also a holder of significant graduate loans that were held by FedLoans until recently. 

I wrote to The Office of the Ombudsman for Student Loans after reading an article outlining how many borrowers had wrongly been steered toward forbearance instead of XXXX dollar options on their programs. I was one of those borrowers. 
I had periods of unemployment and was regularly directed toward forbearance by FedLoan representative, which resulted in XXXX of dollars that I had to pay to interest/compound interest and that was not applied to my loan, thereby creating more interest on the principal held. 
I sent the letter, return receipt, in XX/XX/XXXX. The letter was received XX/XX/XXXX. I did not hear back as of last week and started making calls. I was transferred multiple times to people who could not help. A helpful agent named XXXX XXXX, in Kentucky, took my number and assigned me a case number # XXXX. 
Today, I got an email from XXXX, my new student loan holder. They've held my loans for less than 5 months and none of my payment history is on their site. 
I've looked back at FedLoans and none of my history is on their site. 
I am concerned that, like millions of other borrowers who signed on to programs that were mismanaged, I will not see the result of my diligence and the XXXX figures I've paid on my loans. 
I would appreciate your assistance in this matter. 

Very Respectfully, XXXX. XXXX Veteran, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account ( stupidly ) in XXXX. It was stupid, not proud of it. I have paid for it. 
NCA ( creditors ) have been falsely reporting it as opened in XXXX. When I call them about it, they say its a typo and tell me to just wait for it to come off When I asked the credit bureaus, specifically XXXX, to please verify it, they said its verified. I asked how- being that even the creditors themselves have admitted it is incorrect information. They say we dont have to disclose to you any verifying documents. I asked, repeatedly, how they could have possibly verified the dates being that even the creditors have admitted they are wrong. They tell me take it up with the creditors. I tell them I have. Over and over again for the past year. They ignore me. 

Im at a loss. Its illegal to report inaccurate information but nobody seems to follow the law. They hang up on me, laugh in my face, tell me to just ride it out. 
I dont want to ride it out. Its against the law. Its illegal to be reporting something as XXXX when it was a stupid mistake I made as a kid. 

XXXX has lied about verifying the information. They havent. They have no documents. 

This is illegal and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery is attempting to collect a debt on behalf of XXXX XXXX. I have repeatedly asked them to stop contacting me, and they continue to call at all hours of the day.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX as I got a txt message stating I'm eligible for a " lease to buy '' upgraded phone with " NO CREDIT CHECK ''! Is clearly what false advertisement said however when I arrived at XXXX XXXX they did ask for my social they said was a soft pull however Lexis Nexis reported inaccurate information to them and I was denied and Lexis Nexis obtained my report without my consent! On a falsee advertisement from XXXX XXXX phone company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX XXXX XXXX  Acct XXXX XXXX 15 U.S.C. 1681 Section 602 A states that I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 states that the consumer reporting agency can not furnish an account without my written permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error of the reporting of my account onto the XXXX  and Transunion Credit bureau. I have disputed the account asking them to do a full investigation of the account multiple times but they have failed to do so and fully validate the debt as it is still reporting on my credit report. They are not following the guidelines of the FCRA in needing to fully investigate the item they are fully reporting onto my account and if that Is the case and they are incorrectly reporting and not following the guidelines to delete I ask that they delete the account on my report as it is hurting my credit score that they are not reporting correctly. 

I have disputed this multiple times in the last 3 months due to seeing the error on my account. XXXX  now says it is a frivolous dispute. The last dispute I did with them this month they said the company certified that it is correct. The investigation from my understanding is the credit beau is suppose to be doing the investigation not just calling the creditor.
Product: Debt or credit management

i ha ve 8 late payments but i did pay everything but my credit is not clear yet. would you please fix my credit score i want to be able to buy and pay in installments but i can't. tell me what i have to do to clean my credit and fix it and improving it. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

As of a Tuesday XX/XX/2019 ( today ) I continue to see at least one XX/XX/XXXX inquire by XXXX this has been going on for a month I have attached screen shots of the XX/XX/XXXX " hard inquiry '' that they ran that most also not be categorized properly. Equifax has told me to tell XXXX that when they run an INQUIREon EQUIFAX!!!! they need to include a " reason code '' ( plus to comply with FCRA they would need this information also ) they have for a month now been doing supposed soft inquires to comply with a federal judges ruling but the have not INCLUDED A REASON CODE therefore according to Equifax they default to hard inquiry even if it was not. Equifax is just as bad here how they allow an inquire without a reason code, how they supposedly " swear '' under federal law they envisage this then don't do anything, How they tell me I have to call their furnisher and train them how to do an inquire I didn't authorize. All the while while XXXX are throwing a fit like little junior high kids hanging up making threats not replying to even emails. Remove all the not authorized inquires immediately as XXXX you are in violation of federal law! See screen shots for details ..
Product: Debt collection

This company is breaking the law by failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they've added a collection to my credit report.

I've already tried to resolve these issues directly with them, but they continue to violate my rights. For each violation listed, I am entitled to {$1000.00}. They must either compensate me or remove these accounts immediately.
Product: Credit card or prepaid card

In early XXXX, 2021, my husband and I purchased a clothes dryer from XXXX 'XXXX XXXX XXXX in XXXX, VA. Delivery of the dryer was significantly delayed, and we were obliged to spend an inordinate amount of our own time trying to rectify the situation with XXXX XXXX. I attempted to resolve this with the local XXXX XXXX store, but was unable to reach anyone, so my husband filed a XXXX XXXX XXXX complaint. XXXX XXXX XXXX responded to the XXXX  complaint, in the end they were unwilling to meet our request for a reimbursement of {$610.00}, the amount that we have calculated we are due, based on an offer for reimbursement that XXXX 'XXXX  did offer us, combined with a calculation of how much time I had to spend on the phone with customer service personnel from XXXX 'XXXX  ( multiplied by my hourly billing rate ). I filed a credit card dispute with Chase Visa to recover {$610.00} in early XXXX, and Chase requested additional information to continue the dispute. I provided significant substantiating information to support my claim ( and have included it here ), but Chase resolved the case in the merchant 's favor because in the end, XXXX 'XXXX  did deliver the clothes dryer. We stipulated in our dispute that we agreed that XXXX 'XXXX  did in fact deliver the item that we purchased, but that we spent an inappropriate amount of time trying to resolve this with them. When I called Chase Visa to ask why our dispute had been resolved in the merchant 's favor, the person I spoke with first encouraged me to re-open the dispute, then told me that the window for re-disputing had closed and that it would be a waste of my time. I was advised by letter that the {$610.00} charge that had been refunded to me during the dispute would be re-charged in the next billing cycle.