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

Please be advised this is my THIRD WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$2500.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : {$0.00}.
Product: Mortgage

On my personal property located at XXXX XXXX XXXX, XXXX, ME XXXX There the original mortgage, HELOC and HUD lien. My exboyfriend split up and he wanted to keep the house and in order to keep he has to refinance the original mortgage ( in my name and boyfriends name ) the HELOC ( my name and my exhusbands name ) and the HUD lien ( mine and exboyfriends name ). He said he would apply for a loan through Quicken Loans and roll everything in once loan in his name so that everything was fully in his name. Quicken loans said he was all set and the refinance was in process. Quicken loans called me to request a payoff for the HELOC because it was in my name and my exhusbands name so the exboyfriend did not have access. I signed their request. They also sent me a deed to sign off of so that the house could be in exboyfriends name. I signed the deed and had it notarized just like they asked me to. Next thing I know it is time for the closing. I was asked to go to the closing to sign the deed again which I thought was weird because I had already signed off. I asked the exboyfriend if everything was all set and he said Quicken Loans said it all was good. I went to the closing and was not allowed to see the closing disclosure because I was not on the loan. I signed off on the deed again. A few days later I received an email saying that my first mortgage was paid in full and so was the HUD lien. Waited and waited for the email from the HELOC that never came. I made him call Quicken Loans and the title company because no one would answer any of my questions. my exboyfriend called me and said they never added it in his loan. I asked him to request the title commitment letter. All 3 loans were on it so not really sure how it was missed. Now they are saying it was never to be part of the loan. How on earth do you do a refinance/loan to get everything in your name and leave out a loan and recieve cash out. I have gotten no where with these people and neither has the exboyfriend. Quicken loans messed this whole thing up and not taking responsibility for it. Now I have a loan out there on a property I no longer own. I would of never signed off on the deed had I been made aware that all 3 loans were not going to be paid off.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 XX/XX/2021 and XX/XX/2021 I mailed dispute letters to Equifax, XXXX  and XXXX  to remove accounts listed below for inaccurate information its been more than 30 days and they still haven't replied to me that violates my fair credit rights. especially section 609. Under the law, if the credit reporting agency fails to respond in 30 days, they must remove the account from report. Again they are violating my rights under the Fair Credit Reporting Act. can you please make them delete these items from my report for violating my rights please.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My student loan was discharged due to VA XXXX. It was discharged XXXX 2015 and I 've called and emailed ACS/XXXX, XXXX XXXX, XXXX, Dept. of Education and the IRS. I never received my XXXX Form and I kept getting the runaround, ACS said they do n't issue, call XXXX XXXX and XXXX XXXX gave me a letter with an amount, not the actual XXXX form. I called the IRS and they said that no one has issued a XXXX under my social security. XXXX XXXX said my lender should of given me the XXXX but ACS is the servicer for XXXX and said XXXX XXXX is the one to issue my XXXX form. My next issue was that my Credit Report ( XXXX ) was the only XXXX out the XXXX credit bureau 's to have under the comments section, Student Loan Assigned to Government ; Fixed Rate. I 've been disputing it and it 's still not fixed. ACS sent a letter saying that my loan was discharged but it did n't say VA XXXX and I do n't know if that has anything to do with why I did n't get my XXXX? If no-one filed a XXXX with the IRS, maybe that 's why I did n't get it. I do n't know the actual procedures of what happens when a student loan is discharge because of Veterans XXXX, but I just want to make sure that I 'm not on a 3 year monitoring period and maybe that 's why my loan on the credit report says Loan Assigned to Gov. Fixed rate. I get different answers every time I call or email.
Product: Credit reporting or other personal consumer reports

I am being reported late mistakenly by Capital one because of a billing error. I have tried several times to fix this mistake, but I keep being ignored.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This lat

e payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I discovered multiple inaccuracies on my credit report and took immediate action by formally disputing them with Equifax. I identified several accounts that were inaccurately marked as late payments, including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and others, which should be updated to " paid as agreed, never late, '' as mandated by 15 U.S.C. 1681a ( XXXX ) ( i ) of the Fair Credit Reporting Act ( FCRA ). Additionally, I raised concerns about accounts listed under XXXX XXXX, XXXX XXXX, XXXX XXXX, and others, where I demanded proper debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, I disputed unauthorized hard inquiries from XXXX and XXXX, citing 15 U.S.C. 1681b ( a ) ( XXXX ), which prohibits inquiries without permissible purpose. I demanded these inquiries be deleted. 

Under 15 U.S.C. 1681i, I emphasized XXXX legal obligation to investigate and correct these inaccuracies within XXXX  days. I also referenced key legal precedents, such as XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX, highlighting the importance of conducting a thorough and reasonable investigation rather than relying on superficial checks. 

I made it clear that failure to resolve these issues promptly would result in escalating the matter to regulatory authorities or pursuing legal remedies under 15 U.S.C. 1681n and 1681o for willful or negligent non-compliance. I requested confirmation of the corrections and an updated credit report reflecting the changes. 

This dispute is critical to ensuring the accuracy of my credit report and protecting my rights under federal law.
Product: Credit card or prepaid card

Here is what happened and what I have done to try to resolve it : The problem : In XXXX, I took a ten-minute, one-mile taxi ride while on vacation in XXXX. I used my Citicard to pay. The payment took a long time to go through while I was in the taxi, and I was in a hurry and neglected to get a receipt. When I got home and saw my statement, I saw he charged me {$2000.00} for this taxi ride. 

As soon as I saw my statement, I called Citicard to explain what happened and dispute the charge. Citicard asked for a receipt, which I didn't have. I explained to Citicard that I wasn't disputing whether a charge should've happened, I was disputing the amount. Any reasonable person would agree that this taxi driver overcharged me by about {$1900.00} either on accident or on purpose. At a rate of about one XXXX per mile, this charge would've meant we were in a taxi for 2,000 miles, which would've been nonstop driving for 24 hours. Any reasonable person could agree this did not happen and we can prove it didn't happen by proving our activity with that credit card, and other credit cards, in the 24 hours prior to this charge. 

Citicard denied my dispute. 

I appealed, and provided the letter I attached to this file which provides a detailed description of the events leading to that taxi ride with backup notes, and ample reasoning behind this being a bogus charge. 

Citicard then told me they reached the merchant -- the taxi company -- and told me they were able to confirm the charge. The merchant provided a receipt to Citicard, which I never received nor did I sign the day of the charge. The receipt Citicard received from the merchant does not include metered miles or time in the car or my signature. 

Citicard closed their investigation and continues to hold me responsible for this charge. 

The bottom line is this taxi driver either knowingly or unknowingly overcharged me by about {$1900.00}. He needs to be held accountable for this error, not me.
Product: Credit reporting or other personal consumer reports

Immediate Correction Needed Under Four-Day Compliance Failure Urgent Second Request for Correction of Inaccurate Late Payments Dear TransUnion, Consumer Name : XXXX, XXXX Social Security Number XXXX XXXX Date of Birth : [ XX/XX/year> ] I am appalled by the response to my initial dispute about the errors in my Consumer Reports, which falsely report late payments for my XXXX  account [ XXXX ] and XXXXXXXX XXXX XXXX XXXX XXXX ]. Your previous verification was incorrect, as my payments have consistently been on time. 
Per the Four-Day Compliance rule under the Fair Credit Reporting Act ( FCRA ), you were expected to take action within this timeframe. Your negligence in correcting this serious error is unacceptable, and I'm now demanding immediate rectification. This is my second request, and my patience is reaching its limit. I require that you provide undeniable evidence, such as detailed account statements, to substantiate any claims of late payments. Should you fail to produce such evidence within the next 24 hours, I expect an immediate correction to reflect my impeccable payment record as mandated by FCRA Section 611. Failure to rectify this critical issue within the stipulated timeframe will compel me to pursue legal action. Non-compliance and disregard for the accuracy of reported information are not justifiable and will entail severe legal ramifications.
Product: Credit card or prepaid card

I transferred a {$7000.00} balance from American Express to a credit card with my personal bank, XXXX. This was initiated on X/XX/2017. The balance did not appear on my statement for over a month, so my bank issued a stop payment and a new check. American Express stamped the check for deposit only on X/XX/2017. American Express says there was a stop payment issued on that check 8 DAYS AFTER CASHING. Not only is it not possible to reverse cashing of a check more than a week later, but my bank says they never issued a stop payment on this cashed check, check # XXXX. They issued a stop payment on the previous check sent which supposedly never made it to Amex because it was the wrong address. I have filed 4 disputes with Amex and had 4 conference calls with my bank representative and alternating Amex representatives. XXXX is now keeping me in regular communication with their Executive Client Relation Manager : XXXX XXXX. I have made over 30 calls to Amex and my bank each in the last 8 months. XXXX ( sp? ) in the Billing/Payment department at Amex was handling my case for a period of time recently, but again every time the dispute is investigated there is not much digging done and they come back saying the stop payment returned the check. I am now being held responsible for this balance with both institutions. My credit report is dropping rapidly since it shows I have 2 credit cards maxed out. I am also not capable of paying both of the minimums on these cards while they 're both showing the balance, so I have to not pay my Amex bill which will send me to collections and destroy the remaining credit score that I have. PLEASE, I AM DESPERATE FOR HELP.
Product: Credit reporting or other personal consumer reports

After signing in to the Transunion web site I am unable to access any of my information or file a dispute. Someone is using my Identity to apply for credit using the phone number XXXX in XXXX Tx. The area code XXXX is not a valid area code and is known to be used for fraud purposes. There is an inquiry from XXXX XXXX XXXX  on XX/XX/year> that I did not initiate and would like to have deleted from my report. I contacted XXXX directly an was told they have no record of the inquiry an to contact the credit reporting agency directly. As I can not dispute this on line because of not being able to access my credit report or file a dispute online or anything else except to sign in, I attempted to do this by phone. Having called five times and spent over eight hours on the phone without any resolution and being put on hold several times, disconnected and transferred back to the start I have still been unable to access the web or have my credit report corrected.
Product: Credit card or prepaid card

I have an active Citibank issued credit card account with Best Buy that I have maintained in good standing for 5 years. I use the credit card on a regular basis. On XX/XX/2021, I visited Best Buy # XXXX in XXXX MD and planned to use my Best Buy CC account for a purchase. The employee who assisted me informed me I needed to verify and update some of the information on file for the account, including my income and address. I was told this was a regular SOP that best buy did on credit card accountholders. To verify my identify the best buy employee asked for my social security number- I re-stated that I already have a Best Buy credit card and wanted to make sure he was only updating my income and other particulars on the account, I did not need a new, second Best Buy credit card account. The employee confirmed my statement- and assured me the SSN was only required to update my account information. 

The following day, XX/XX/XXXX, I received word from my credit monitoring subscription that a hard inquiry had been added to my credit report due to a new credit account request from Best Buy-Citi. I contacted Citibank who advised me that a new credit card account was initiated by Best Buy on XX/XX/XXXX. I spoke with Citibank Disputes office asking that the hard inquiry be deleted from my credit report. On a subsequent call, Citibank referred me to Best Buy since it was Best Buy that initiated the transaction, and Citibank is only the CC issuer. I visited Best Buy in XXXX on XX/XX/XXXX and spoke with a manager, XXXX XXXX, who referred me back to Citibank to since Citi is the bank of record and card issuer. Then I recontacted Citibank who restated that resolution of the issue falls to Best Buy since their employee initiated the unauthorized event. 

I did not consent to having my credit report checked and for no reason would I have needed a second Best Buy credit card, when I already have an Best Buy credit card. The Best Buy employee on XX/XX/XXXX misled me and performed a credit inquiry without my consent. Efforts to gain resolution with Citibank and Best Buy since have been unsuccessful.
Product: Credit card or prepaid card

Hi Team, I was having a walmart store Synchrony bank credit card account ending with XXXX till XX/XX/XXXX. 

Now walmart is not working with Synchrony bank. 

I already closed this account with no due, now I need my last statement i .e XX/XX/XXXX from Synchrony bank for warranty claim of another purchase I did using that card in XX/XX/XXXX. 

I tried calling many times synchrony bank ( After long IVR menu ) and they transfer my call to another department and disconnect my call without providing any help, when I ask for this statement ( as they are not working with walmart anymore ).

Walmart does not have credit card details so they can not help on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not complied with FCRA request the method of verification. Cite FCRA, Section 611. Request hard evidence that goes back to the original creditor and ask for the original creditors information. .. It's very likely the credit bureau did not contact the original creditor at all. ... 


They have not provided a method of verification and the reporting information is wrong I have asked them to remove the inaccurate information
Product: Mortgage

I have been trying to apply for a loan modification with my loan servicer SLS ( Specialized Loan Servicer ) lender, I keep getting the run around I have sent complete income packages, and my lender keeps on lying, playing with me. 
I first receive phone calls that they have received the package, then they tell me that they are missing a few documents, which I sent back right away, then I get a phone call that they did not received a complete package. I have sent my documents over XXXX times and they keep on loosing my document, ( this is not a game this, I became XXXX this is XXXX of the reasons why I felt behind on my home. 
Is also very difficult to call SLS, every time I have tried to call them I ca n't get through, ( only when they call me )
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has entered a collection from a landlord during the pandemic. The XXXX form was given to the company regarding the address. There is a debit listed now which is causing a housing issue for future renting. The amount is not correct, the unit could not be used during the time and there were issues with the water which remained unresolved. The unit was unlivable during the pandemic. There was harassment and the landlord entered the unit continuously and there was no way to stay in the unit during the pandemic regardless of there being a rent moratorium. There were issues with the electricity and the landlord was unusually aggressive and argumentative about these issues. There was no stay for the time period which the collection is being made, and there was no drinking water from the faucets, the toilet didn't flush, the lights turned off on their own, there was an electric panel where the lights had been shut off then the landlord or maintenance would enter and unplug things inside the unit. The collection is an illegal collection and no payment arrangement was even offered. The washer dryer in the laundry room was unplugged when clothes were put in it to wash and use was not allowed by the landlord. There were things broken inside the unit and constant harassment.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thoroughly 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 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. These are the account I have marked as inaccurate XXXX XXXXXXXX XXXX is inaccurate I do not owe that company at all.
Product: Debt collection

Enhanced Recovery Corp placed a collection on my reports on XXXX/XXXX/XXXX claiming I had XXXX service in XXXX. I called XXXX and ask when was my service disconnected and XXXX stated that the service was disconnected on XXXX XXXX, XXXX. I filed chapter XXXX bankruptcy on XXXX/XXXX/XXXX and was discharged on XXXX/XXXX/XXXX. XXXX was included in my Bankruptcy. 

However, nine years later the account has been re-aged and placed on my credit report which violates the automatic stay. 

This will come off my report or I will sue XXXX and ERC for damaging my credit and costing me thousands of dollars.