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

Over the past month I have filed several CFPB complaints for an XXXX XXXX account in my Equifax credit file. That account ends XXXX. I provide twenty ( 20 ) to over one-hundred ( 100 ) pages of documentation with each complaint. On the very first page of each dispute I provide the information needed to identify the appropriate account/tradeline to dispute. In many cases it is the page from a recent credit report for the account/tradeline. Moreover, I provide the account number " ending in '' and/or the full account number with corresponding instructions in the desired resolution section for each complaint. Equifax does not examine the accompanying documentation, not even to obtain the information necessary to identify the appropriate account on the credit report. Equifax does not appear to even read the resolution section before filing a dispute. Instead Equifax blindly disputes any and all accounts reported by the same firm, independent of the account/tradeline. For example, with each CFPB complaint filing for XXXX XXXX, Equifax disputes XXXX and XXXX. There is now years of payment history for account ending XXXX that is missig. Essentially, Equifax " XXXX XXXX XXXX  at the wall to see what sticks. '' It shows Equifax has XXXX ( XXXX ) interest in actually conducting ( re ) investigations and often times will have their employees haphazardly process disputes and/or CFPB complaints. As consequence, I have observed XXXX, and another XXXX XXXX, scheduled to report until mid XXXX disappear intermittently from my Equifax credit files, or have years of payment history wiped, causing fluctuations in credit scores. When Equifax then seeks an update for the account I did not dispute, the fraction of relacement payment history returned by XXXX for the XXXX account trade is less. In contrast, it appears Equifax makes every effort to persist the false/misleading/inaccurate ( AND ) defamatory information for account XXXX. There is nothing reasonable about Equifax operating in this capacity and it can cause significant errors it credit files and/or swings in credit scores. That is, Equifax thier XXXX practices are likely to cause harm to consumers.
Product: Debt collection

I am a current victim of Identity theft which has been discovered in XXXX of this year XXXX. 
I have already submitted an identity theft affidavit through the Federal Trade Commission and reached out to my local police department to report this crime. 
This debt in the amount of {$1900.00} being collected by debt collection agency Forster and Garbus, LLC is included in this.

I have already tried to remedy this with the original creditor trying to collect this debt obtained illegally. This creditor is XXXX XXXX XXXX. 
I have sent them all the documentation to substantiate this claim including ; Police inquiry, FTC affidavit and proof of my compromised personal information.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I paid XXXX XXXX Solutions the amount of {$240.00} ; a settlement for a charged-off XXXX account XXXX XXXX of XXXX. The XXXX account is still reflecting a balance on my credit reports which is a violation of the FCRA. I disputed the account with Experian who only updated the balance to reflect the payment instead of removing the " outstanding balance. '' Per the FCRA the payment history can still be reported but a balance can not since I no longer owe XXXX ; I then owed Radius Global Solutions.
Product: Mortgage

I Have requested a conditional lean release from Shellpoint Mortgage on my Mobilehome property to close a sale, initial request was made XX/XX/2021. Information has not been provided after several calls made to Shellpoint and talking to at least six different contacts. The sale of my home is in serious jeopardy as Shellpoint has failed to comply. This matter needs to be addressed immediately.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX a sales representative from XXXX XXXX came to my home and gave a sales presentation to myself and my wife. My wife is a XXXX veteran and I am her XXXX. The sales representative is named XXXX XXXX. He was friendly and nice. He made it seem very easy and that the payments for the solar panels would be the exact same price at one low interest rate and would not change, unlike increasing electric rates. This seemed to offset the fact that XXXX XXXX charged twice as much as most solar companies, this low interest rate. XXXX took our information and very specifically said that no payments would be made until the entire installation was completed and that we would receive communication from the loan company to sign. We signed nothing. My wife signed nothing. 
We were also told we would have to have trees removed for the solar panel install but that some of this money would be rebated to us. 
Then in XXXX the panels were going to be placed on our roof but we needed the trees removed and trimmed back, we had to put that money forward ourselves. After the panels were placed on our roof the installation was not completed because an interconnectivity needs to be completed by the contractor. This is something XXXX XXXX even has listed on their website. They never completed the proper paperwork to have this completed. Our initial salesperson became unreachable. We could reach no one at their company. We received a form from Dividend Finance stating that the installation was complete to which my wife responded that this was not the case. Because installation never was completed and also, we never signed any loan forms also none of the loan terms were completely explained to us, at all. The fact that the interest rates increase and the fact that this finance company disguises balloon payments as " incentive payments '' was not agreeable to us at all. We did not even know who's name the loan was in until Dividend Finance emailed us a XXXX loan modification form, which was to my wife and she refused to sign it. 
Despite receiving all of these reasoning in writing to Dividend Finance, they proceeded to draft money from our joint checking account. We contacted them and their was no way to remove our checking account information. My wife disputed the information with the credit bureau and they have put it back on. 
Presently, we are in the end of XXXX beginning of XXXX, XXXX XXXX abandoned the solar project at our house. We informed them in writing to return the funds to Dividend Finance per FL statute title XXXII XXXX & XXXX in XX/XX/XXXX after it had been abandoned over 90 days. A copy can be seen on the XXXX  it is complaint number XXXX. Despite all of this, Dividend Finance continues to steal money from my and my wife 's joint checking account. Please investigate them, I'm sure we are not the only people they are mishandling. I would like our funds returned and to be compensated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Equifax investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

many XXXX  accounts were opened under my name fraudulently, i have been very stressed and out of ordinary. please help me out with this situation. 
i will be attaching my police report and FTC report.the FTC report will have all the accounts that are reporting inaccurately on equifax credit bureau. 
these accounts were opened fraudulently and with out my knowledge. 
please have these accounts removed, please help me to have these removed from equifax which they are not helpful at all. 
i have been disputing and providing all the necessary documents, but no response or even care from them. they have not been helpful at all. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Three different mortgage lenders cant get my Equifax credit report when they ran my credit. They received XXXX and XXXX just not Equifax.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Mortgage

XXXX XXXX XXXX  sent a form for Fulton to confirm the amount due on XX/XX/XXXX. I contacted Fulton on XX/XX/XXXX to see how long it will take to send the form back. I was told by the rep there is one person in the entire company that fills out these forms and he will be out of the office until XXXX. I asked if I could speak with his manager and possibly her or someone on her team can confirm the amount I owe surely this should not take over 14 days. I left a voicemail for the manager in XX/XX/XXXX as of XXXX I have not received a call back. I just need them to send the form back so they can receive payment.
Product: Mortgage

We were in forbearance with our mortgage company due to reduction of income and XXXX. During forbearance, we accumulated an unpaid balance on our mortgage. We were protected from being reported to the credit bureau because we were protected under the Cares Act. When we came out of forbearance, we were entered into a loan modification program with Dovenmuehle Mortgage. During the modification program we had to make a designated payment for each of 3 months. We made those payments in full and on time. The 3rd and final payment was made in XX/XX/XXXX. After the trial payments we were told we would be mailed documents for us to sign that would modify our loan. The modification would move the past due amount on our mortgage to the end of our loan and bring the loan current with a {$0.00} past due amount. It took Dovenmuehle Mortgage OVER 90 DAYS to send us the documents. They advised us to continue making the same trial payment each month while we await the documents, which we did. We finally received the documents on XX/XX/XXXX. While all of this was going on, we discovered that Dovenmuehle Mortage has been reporting us as delinquent to the credit bureau every month since XX/XX/XXXX even though we have followed everything they have asked and WE WERE MAKING PAYMENTS ON TIME every month like they asked. I have contacted the loss mitigation department more times than I can count and tried to get this fixed. They have told me to email the research department ( apparently, they don't have phones in that department ). I have sent emails to the research department several times and sent them proof that we made payments, but they do nothing. They have also been assessing late fees on our account every month. Reporting us the credit bureau and charging us late fees should not be happening because we were in a loan modification program and were waiting on Dovenmuehle Mortgage to send us the documents we needed to sign.
Product: Credit reporting or other personal consumer reports

Personal histories have been disclosed to third parties without my permission. Personal information have been reported besides the law that prohibits the creditors from reporting personal information by Affirm and XXXX. 

15 U.S. Code 6802 - obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Money transfer, virtual currency, or money service

I would like to link my XXXX investing site to my checking account and it will not allow me to do so. Can you please help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have five closed accounts in which is reporting derogatory on my report. it is closed but they report my account as late and i have made on time payments and they don't accurately note when i was supposedly late. XXXX forced borrowers in payment options that caused borrowers to fall behind and those issues get reported as late on the credit report. i have notified " Equifax '' of this problem but they ignored it and refused to correct the problem
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  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 XXXX 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 or other personal consumer reports

Dear TransUnion, I am writing to dispute inaccurate information currently showing up on my credit report. Specifically, there is an account listed from XXXX XXXX that is not accurate. I believe that the balance is inflated, which is grossly affecting my debt-to-income ratio, and there are multiple inaccuracies in the payment history. This account was charged off, but the account balance has increased monthly since XXXX XXXX XXXX. 

I am requesting that you investigate this matter and remove the inaccurate information from my credit report as soon as possible. This inaccurate information is negatively impacting my credit score and my ability to obtain credit and loans. 

Thank you for your prompt attention to this matter.
Product: Debt collection

XXXX XXXX Reported an amount of XXXX balance owed. 

XX/XX/XXXX I went to care facility XXXX XXXX XXXX fl XXXX I went because XXXX Hospital advised me to go to XXXXXXXX XXXX in XX/XX/XXXX. 

As I did not have an emergency from a vehicle tap incident on XX/XX/XXXX I told XXXX XXXX that I was feeling XXXX from tapping a vehicle at 5 miles an hour at a light, as the passenger was 5 months XXXX. 
I paid XXXX XXXX a XXXX, co payment, gave them my XXXX insur info and county coverage id card for XXXX insurance. 
In XX/XX/XXXX, 2nd comract, XXXX XXXX XXXX calls me to say I owe XXXX. 
I asked her to send me the bill saying what insurance paid or didnt pay to reflect balance. XXXX stated they sent it, and If I don't pay its going to the credit bureau. 
I reminded her to send me an email, that I am not going to give anyone a cc card over the phone without documentation. I asked her why there is even a balance as I have a secondary insur which pays 80 %. XXXX said XXXX XXXX policy is not to Bill 2nd insur. I reminded her that the state of Fl bills all insur and can seek remedy for outstanding monies after all insurance have paid their portion. 
I did not have injuries the date of XXXX. Only after a week did I go to hospital to ask to be seen for follow up. XXXX Hospital south advised to go to XXXX XXXX because I did not have an emergency injury or primary Dr . 
In XX/XX/XXXX XXXX XXXX XXXX collection agency contacts me to pay XXXX I told them same info. Not paying anyone anything without an email with backup on what amounts if any, were not paid by insurance from XXXX submission. I called XXXX and they confirmed they never recvd any claim. 
I told XXXX I will pay any bill I owe, but not without proper protocol. XXXX said they do not have any info on my acct, only whats owed and due, due to hippa law, they couldn't tell me even if they had info, I asked what do invoices with codes have to due with personal health info. XXXX said they will return file to XXXX XXXX for update and close file until XXXX XXXX updates. 
I will pay all my debts if procedures are followed, but not pay with our proper insurance of all insurance on file being billed accordingly. 
So far credit bureaus showing 1 of 3 bureaus as closed, but all gave XXXX amounts owed. This collection account is not accurate as reported, and is damaging my score and profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reason for this. I knew I had outstanding credit, I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX  XXXX XXXX XXXX {$610.00} XXXX  XXXX {$2100.00}
Product: Vehicle loan or lease

I have been trying to negotiate a settlement with Exeter Finance Corp. since XX/XX/XXXX. Exeter Finance Corp is now trying to repossess the vehicle XXXX XXXX XXXX with XXXX miles. I original purchased this vehicle in XX/XX/XXXX. I have slow payments throughout the life of this loan but in XX/XX/XXXX to present has triggered a series of events financial issues. My mother was diagnosed with XXXX XXXX, then XXXX XXXX in XXXX. My son was repeatedly XXXX  and his son was birth and care of in XXXX. My daughter suffered XXXX  XXXX  issues in XXXX. My father was on XXXX XXXX in XXXX. My mother was diagnosed again with XXXX XXXX and my father passed away in XXXX. I should not have to detail my personal issues of my family and life not to mention I had several periods after purchasing the vehicle of underemployment and unemployment. Despite all of these factors I have been a loyal customer communicating with Exeter Finance Corp and paying on my loan.

Based on the telephone conversation with Exeter Finance Corp, I have compared their company records against my records. Their staff personnel advised the original contract total amount would have paid Exeter Finance Corp {$41000.00}. According to my original documents and the total value of the car was {$24000.00} and the total financed amount was {$14000.00} which equals {$39000.00}. Their staff advised I have made 73 months of payments on this 72 month contract and total payments made are {$40000.00}.

Please note that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws.
Product: Credit reporting or other personal consumer reports

Recently, I have submitted ( 6 ) reports on this inaccurate and incomplete item on my consumer report. 15 U.S.C. 6802 a financial institution may not, directly or through any affiliated, disclose to a non affiliated third party any non public personal information, unless such financial institution provides or has provided to the consumer a notice that complies. Not only has this disclosure agreement give my legal information but my personal information as well. By law you obligated to investigate these inaccuracies and incomplete accounts. 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer report containing any of the following items of information inaccurate or incomplete. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer if the person has reasonable cause to believe that the is incomplete or inaccurate. Please remove this item immediately! 


XXXX XXXX  ( account number ) XXXX