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

I am writing to file a formal complaint against [ EQUIFAX ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX fin Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed to comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress.

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

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

XXXX, Trans Union and XXXX is showing XXXX late payments on my credit report. I contacted XXXX XXXX about the dates which they can not provide because. my account is in good standards. They can not have any dates of the late payments
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that there is an account reporting on my credit report, that I have no knowledge of. I have contacted XXXX, and they were unable to locate an account under my information that I gave to them. I then disputed this account with the CRAs. The dispute was closed with a status of " updated ''. I don't believe that his account was properly investigated because if it were, the account would have been removed from my credit report as required. 

I noticed that the account 's date of last activity was changed, which is causing even more damage to my credit. Upon further investigation into this account, it appears that creditor or CRAs are reporting vastly different payment information each month, and the payment information is being changed from month to month. In addition, there are currently 3 different date of last activity being reported : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Equifax has been reporting this account as 120 days late for many months, while XXXX and XXXX report it as a collection/charge off. XXXX and XXXX are not even reporting the last payment date. This is negligent reporting on behalf of all parties involved. 

This is incredibly detrimental to my credit and is also a violation of the FCRA. I request that this account be removed from my credit report with all credit reporting agencies and that XXXX cease collection efforts and stop falsely reporting this account to my credit report immediately. I am attaching copies of my credit report showing how the payment information is being reported differently across each CRA as well as from one month to the next.
Product: Credit reporting or other personal consumer reports

DELETE HARD INQUIRIES accordance with the Far Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Jection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) 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. 

DELETE THE ACCOUNTS BELOW equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Today 's date is Tuesday XX/XX/XXXX. Carrington Mortgage Services LLC have not paid property taxes from the escrow account of my mother 's mortgage since XX/XX/XXXX. The claim the payments keep bouncing back from XXXX ( Virginia ) City Treasurer office. Taxes are due XX/XX/XXXX or the home could go into tax lien sale and Carrington says they are investigating. I suspect they ( Carrington Mortgage Services LLC ) want the home back because there is a significant amount of equity... 

City of XXXX Tresurer office have not been helpful with assisting me with this process.
Product: Checking or savings account

I have Problems with the manager of the Branch of XXXX New Jersey of Bank of America, where they sold me two machines for my new business for one price and one small monthly fee and they started charging me fees and prices which I do not agreed I complaint because a guy named XXXX XXXX the one who provides Merchant 's services for BoA offer me loans all together with the husband of XXXX XXXX who is the one in charged of the XXXX branch, but they told me I have to keep it secret from the bank, the deal was for the merchant services i will pay XXXX dlls for two machines and a monthly payment for their services of XXXX so far They have charged me over XXXX dlls for this services and they also offer me an extra machine that i never get. i refused the loans from this guy XXXX XXXX and the husband of XXXX XXXX. and then I moved to XXXX XXXX XXXX. I tried to report this events to the manager of BoA in XXXX XXXX XXXX and XXXX his name is XXXX XXXX but he is XXXX and told me cut your XXXX little XXXX in XXXX and made me go back and forth for almost one month and a half XXXX   promise me he will help me with this fraudulent charges and told me he will investigaste all this people. What happened next they have cause me a lot of loss to my 2 business and personal accounts because they arbitrary cancel my 2 business accounts and personal account and they told me it was a business decision and they never investigate this people who have called me XXXX, even tough I am a XXXX guy I do not deserve this by anyone. I want my 3 accounts open back to normal and all of their fraudulent fees back and apologize from XXXX XXXX and XXXX and their bosses whom I spoke with them over the phone and they lie to me and laugh at me.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to a wrongly added XXXX  to my credit report. I was in the midst of getting ready to file XXXX with my state courts at one point but we canceled the paperwork and did not go through with it. I have many times over disputed in this inaccuracy on my credit report which each credit bureau XXXX, Transunion, and XXXX but each time they are saying that they verified is as accurate with the " creditor ''. I reached out to the court myself to verify that the XXXX  was not only inaccurate but they also informed me that they do not share any personal information such as XXXX with the credit bureaus even if i did file. Which in time I have noticed they have violated many of my consumer rights while also telling me that they will no longer be looking into the matter of my XXXX  because they did a second investigation with the creditor and marked it as verified.

15 USC 1681e ( b ) Accuracy of Credit Reports - states credit reporting agencies ( CRAs ) must ensure that the information on your credit report is accurate and up-to-
date. If a XXXX  is reported incorrectly ( e.g., wrong court, incorrect filing date, or discharge status ), you can dispute the error.

15 USC 1681i- Right to Dispute allows me as the consumer to challenge inaccurate and unverifiable information on my credit report which they are now not allowing but also wont tell me who they are verifying this information with. Which if it is as third party 15 USC 1681s-2 Responsibilities of Furnishers of Information - states Entities ( such as courts or creditors ) that provide information to CRAs must ensure its accuracy.

Consumer Notification of Reinvestigation Results- 15 USC 1681i ( a ) ( 6 ) If you dispute a XXXX  and the CRA reinvestigates, they must inform you of the results. If the CRA can not verify the bankruptcy with the court, they must remove it in which I have a letter directly from the clerk themselves telling me that don't share that information Which I will be attaching to this complaint. But lastly according to 15 USC 1681n and 1681o Civil Liability for Noncompliance I know I have the right to sue for damages, including Willful noncompliance : Actual damages, punitive damages, and attorneys fees & Negligent noncompliance : Actual damages and attorneys fees.
Product: Debt collection

On    XXXX   XXXX     2017  I faxed a letter requesting validation of debt under my name and social security number, bearing a contract signed by myself in agreement to pay the debt owed. I received a letter from said collection agency stating they have validated the debt using a past due bill. I have no contract, no dealings, with the collection agency. The bill is not proof of contract to show that I entered into any obligation with the company and I have proof that I was not associated with the address listed on the bill sent as proof of " validation ''.
Product: Debt collection

As a federa

lly protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consume
r DEMANDS the following below : Account Name : FAIR COLLECTIONS AND OUT Account Number :
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXXs ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 


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
Product: Debt collection

The 3 Credit Bureau is reporting inaccurate information on PORTFOLIO RC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

was denied credit and pulled a report, company did not make information available to me before reporting to my credit report. This is an unfair practice.
Product: Mortgage

PHH Mortgage currently requires 75 % equity for PMI removal, requiring you to use their appraisers, and charge a fee. 5 % more equity than is required and using their company does not appear to be fair business practice. Their appraisal came in {$20000.00} lower than my personal appraisal through my bank, and put me at 74.99 % equity, denying my PMI removal. PHH purchased my loan from my original lender ( that had an 80 % requirement ). I believe they are purchasing these PMI loans in a predatory way, then charging additional fees for removal, and prolonging that process intentionally to make additional revenue. This practice allows them to make tens of extra thousands of dollars on consumers such as myself. I have never missed a payment, I owe {$300000.00} on a {$420000.00} home. I work in the insurance industry and this is clearly unfair insuring practice. 
XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX show Hard inquiries on my credit scores and Summary.
Product: Credit card or prepaid card

Discover in response to your response to my previous CFPB complaints. Please see attaached.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : $ {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  Balance : {$50.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

Derogative credit report but I never received or been called for collection service. Plus I paid thinking it will be removed but still here
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect closed account that appears on my credit report, which I have recently reviewed. The details of the account are as follows : Account Holder 's Name : XXXX XXXX Creditor Name : XXXX Date of Account Closure : XX/XX/year> This account is not mine and I have no affiliation with the creditor listed there was no account number ever posted on my credit report. I have never had any financial dealings or relationships with this creditor. This inaccurate information is adversely affecting my XXXX XXXX and financial reputation. 

To resolve this issue, I kindly request the following actions : Investigation and Correction : Please conduct a thorough investigation into this matter and remove the incorrect account from my credit report. 

Confirmation of Removal : Once the account is removed, please provide me with written confirmation that the account has been deleted from my credit report. 

Enclosed with this letter are copies of my credit report highlighting the inaccurate account, as well as any relevant identification documents that XXXX assist in verifying my identity. 

I appreciate your prompt attention to this matter and request that you address this issue within the timeframe outlined by the Fair Credit Reporting Act. 

I would also like a follow up on the status of my report via mail and email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The vehicle is covered by insurance XXXX XXXX XXXX XXXX insurance who received letter of guarantee from Chrysler to pay off truck that they said was totaled when someone hit my vehicle on XX/XX/2019. XXXX said they would pay {$46000.00} of the payoff of {$55000.00} and I have gap insurance to cover the balance owed. The truck is still showing due on my credit and showing late payments and affecting my credit negatively. Chrysler has not called me to resolve this issue and this is hindering me from buying another vehicle and another home. I have been paying the insurance with XXXX and the gap insurance with Chrysler as contracted and have not received the service I paid for. It is now XX/XX/2019 and this is still not resolved. Chrysler has all the documents included below. XXXX picked the truck up without our knowledge on XX/XX/2019 without our knowledge and it has been in their possession every since.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Dear Debt Collector I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was pre-approved and applied for a credit card with XXXX XXXX on XX/XX/2021. 
Reference number XXXXUSD They declined my application and said it was because I have no credit history. I have over a decade of credit history and have had no problems with getting credit in the past. 

They suggested we do a manual application so we did that on XX/XX/2021. 
They rejected it again and told me I don't have a credit history. I was able to pull all 3 of my credit reports and I faxed it to them after they requested it.

They still refused my application and would not escalate it. I clearly have a credit history. They kept saying that it is XXXX and TransUnion 's issue and I should speak with them. 

I talked with TransUnion and they said that they see that there was hard pulls on my credit report by XXXX XXXX so they must have got my credit report. They said it was XXXX XXXXXXXX XXXX issue and that everything is fine on their end. They refused to escalate or talk with XXXX XXXX on my behalf. 

I called XXXX several times but was put on hold for over an hour each time and never got anybody on the phone. 

I could not get any of the companies to escalate the issue for me because I very certainly have a credit report. I do not know what to do or how to have this resolved.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX  Balance : {$530.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Recieved a bottle of XXXX XXXX for free only had to pay shipping which cost {$6.00}. Used my XXXX XXXX credit card. The purchase was made on XX/XX/XXXX and I received the bottle 2 weeks later! I then received a collections letter from NATIONAL MEDICAL ADMINISTRATORS , INC. Reference number XXXX on XX/XX/XXXX stating that I owe {$110.00}. I called and they say that they are a collector and retained by XXXX XXXX XXXX - XXXX XXXX and the said that I am responsible for a obligation to pay! They told me that my credit card has insufficient funds for them to automatically take this money payment. I never authorized them to take money out of my account. Then they threatened my credit report! Please help me. I still have the unopened bottle and will return it with a refund of {$6.00}. The to free phone number to this collector is XXXX. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and Transunion have already corrected the inaccuracy of the account from my report and so I request that you take immediate action to update this erroneous account. 

XXXX XXXX XXXX XXXX