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

Dispute and Request for Update of Personal Information I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  while my credit report shows an outdated address of XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these unauthorized inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

MY CITY TAX WENT UP {$17.00}. and change I sent Mr.copper mortgage holder escrow money. {$470.00} and a addn ai XXXX dollars to add to my escrow, so as to keep my payments .at {$510.00}, calling them at lest 6 time.they told me that the co.mr cooper was a debt collector and a mortgage company.XXXX XXXX SOLD MY LOAN TO MR.COPPER.unknown to many i think they use to be called anyhow can you call them and check it out.help no. is XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint reported my account late for XXXX and XXXX while the account was in a forbearing and mod. I sent them a copy oy my bank statement showing that the payments made and they still have not changed the reporting.
Product: Consumer Loan

I bougth a car from Drivetime on XXXX. Drivetime was reporting to the credit bereaus faithfully until summer of XXXX. The automobile I have from them already have XXXX miles so I decide to trade the car for a better one. I visit Toyota Delearship on XXXX XXXX on XXXX XXXX and when they pull my credit quest what Drivetime stop reporting to the credit bereaus. 
The manager from the delearship told me that unfortunally they can not extend any credit at that time becuase no credit history. I make a report to you ... [ Case number : XXXX ) I was promise by Drivetime that this situation will be resolved, and has not until today. I attach the letter from them. I been paying my car with none 30 days past due what so ever. I deserved from them to report my credit history. The letter has been attach to you guys for further info and action please!
Product: Student loan

My loan is not due to beginning accruing interest until XX/XX/XXXX, before which time I plan to pay off the entire principal. However, XXXX XXXX   took over collection agency and since then as been adding interest to the loan. I've called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to speak with customer service representatives about this ( as I've received bills each of those months telling me I have to pay my loan within 2 weeks  ) and each time they tell me the problem is taken care of. Yet, each month the amount owed increases. I called again XX/XX/XXXX after receiving another letter with more money added to my principal and the representative told me there wasn't even documentation of some of my prior calls. I was informed that a special team is looking into it as I've been incorrectly assigned the interest ( confirming that their system shows I shouldn't be getting any interest yet ). I should have heard back within 2 weeks. It is now 3 weeks and nothing has been done. I've received no correspondence addressing my concerns or confirming that something has really been done after any of the times I've called. On the website, my profile lists no active requests or details showing that my account is being investigated. More money keeps being added to my principal ( in total {$320.00} extra ).
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit report act this creditor Capital One bank has violated my rights under the 15 US code 1681 section 602. States I have the rights to privacy. 15 US code 1681 section 6048 section 2 also states a consumer reporting agency can not furnish an account without my written permission. Code 1666B states credit may not treat the payment credit card account on the open consumer credit plan as late for any purpose.
Product: Mortgage

I tried to modify my home thru bank of america but they never responded with a yes or now. They took the home breaking federal law by not responded. I havea lawyer now and a lawsuit might be in the works
Product: Credit card or prepaid card

I made a payment of {$360.00}, Capital One received the payment, the payment posted through my bank verifying Capital One received the payment yet Capital One has placed a 7 day hold on money they already received verifying the payment that was made. This is a practice that Capital One does without a consumers authorization nor notification or agreement.
Product: Debt collection

I have attempted to get an income based payment plan for my private student loan with Navient. I want to pay but I can not afford to pay $ XXXX+ each month. I was on the program before but when a year went by, I was told I could no longer be on that program because it was for one year only. I had a hard time making my XX/XX/XXXX/XX/XX/XXXX payment. I called in on XX/XX/2019 trying to see what options I had. I was told that because I could not make a payment in XX/XX/XXXX, to call back on XX/XX/XXXX and they could see what we could do. Navient has been calling both me and my parents 6-7 times per day harassing us because the payment has not been made. I called in again and spoke to another individual. I told him to stop calling us because it was harassment. He then fired back that, " We can call you as many times as we want. '' When I asked him to at least stop calling my parents, he said, " We can call who we want as many times as we want. '' This is just pathetic. When I have issues with my Federal Loans, they take the time to help me and figure out what to do next. Navient as a company is a BULLY. I don't appreciate being harassed and I want it to stop. I'm willing to pay my loan ( I have to ) but they should work with me in my current financial situation. Even if I could just get it down to {$100.00} per month. That would help a great deal ... but the harassment needs to stop now
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

XXXXXX/XX/XXXX- XXXXXX/XX/XXXX - XXXX XXXXXX/XX/XXXX - XXXX
Product: Credit card

By law 15 USC 1681i ( a ) ( 6 ) ( B ) ii ) s ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ;. I was given old billing statements that is all. I ask for 1099, original contract with my signature and the process they used to verify this debt
Product: Mortgage

I was originally sold on a modification from a previous mortgage company. I was set up for a 6 month zero interest agreement that would pause my mortgage payments. After that timeline expired I was contacted by Mr. Cooper stating the same agreement as before, I agreed but then at the end of my agreement I was told this was a loan modification and I had to pay back the XXXX or sell my home. I have a family of XXXX including myself, XX/XX/2023 I under went XXXX XXXX XXXX and I lost my job in XX/XX/2023. Reluctantly I was forced into a terrible loan modification that made my rate go from XXXX to XXXX and my monthly payments went from XXXX to XXXX a month. We are in desperate need of help, also Mr Cooper told me that I'm also responsible for a XXXX deficit caused by my previous mortgage company because they messed up the escrow amount. I'm also a combat vet that is XXXX percent XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis has knowingly and without lawful authority stolen my identity, created a profile with my likeness and produced an item under the guise of " predicting risk assessment ''. They have proceeded to furnish this information to various entities all while profiting tremendously. As a consumer, I am aware of there being no statute of limitations on fraud. How is this fair and equitable to me as a consumer? I am also aware of various laws in place to protect me as a consumer. These fraudulently created and furnished reports contain my social security number. I am sure Lexis Nexis does not have the required forms provided by the XXXX : XXXX No. XXXX or XXXX  XXXX signed by me in their possession. All of the fraudulent information they have produced and provided under the guise of being me has caused me severe financial harm and stress and injury. I am looking for remedy immediately in the form of check totaling {$7500.00} made payable to me within 10 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 3 pending complaints against the credit reporting agencies. According to the FCRA the credit reporting agencies are in violation and the accounts are to be deleted off my credit report while the investigation is in progress. Please ensure XXXX XXXX Equifax remove the following accounts off my credit report until the investigation is complete. 

Complaint ID XXXX XXXX XXXX
Product: Debt collection

I c systems is XXXX me about a debt that I dont not owe and Ive never did business with I c systems so why are they contacting me that is a violation under 15 usc 1692d and 15 usc 1692c and they sent me letters with their company logo on it and that is a violation under 15 usc 1692f ( a ) and they are also charging me different amounts thats violates 15 usc 1692c 15 usc 1605 ( A ) 15 usc 1692 f ( 1 ) Ive sent them a debt validation letter requesting the 5 components to validate I owe this debt and to show me proffered of a contact that I have with them along with proof of the true creditor is, I expect to receive that. I also sent out a cease and desist letter as well
Product: Credit reporting or other personal consumer reports

Us15 title 1666b According to the United States Code, Title 15, Section 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I would really appreciate it, if I could get all my so call late payments remove from all three agencies. equidax, XXXX XXXX XXXX 
I would like to thank you and advance for resolving this matter. 
XXXX XXXX. XXXX
Product: Prepaid card

So my mother bought a vanilla gift card for me for my XXXX  and get on my feet. I was trying to get small items and make a purchase getting stuff i need. I've noticed when i tried to make a purchase it wouldn't go through and that i had to wait for 3-5 days and that if i wont to buy the stuff asap i can call the card number. So i did and contact the sales reprensantive that my card not working, she seemed irritated and said wait fr a week. I was nervous and just okay whatever. On top of that, to check what was wrong, i tried logging in vanillagiftcard, com/balance it wouldn't let me log in!!! No matter how many times I tried it wouldn't let me get through to login into my account to check the balance. So i had to call instead to check to tell me the balance. So the next day i went to a grocery store to buy some food, I couldn't pay!! So i called, it told me that it's been swiped out and spent at out of state when i live in XXXX California and got this card through via a grocery store. I was panicking and crying because this money is to help me established my testing coverage. I contacted them and gave me a dispute form to fill out and signed but in my intuition and looking online how people have XXXX of dollars taken away and don't get a refund, I really can't have that especially in the brink of homelessness. So i appreciate it so much if i for sure get my money back especially i have nothing now.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud in their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hired a credit repair company ( XXXX XXXX ) to help remove negative things from my credit report. Account with XXXX XXXX XXXX with a date of XX/XX/2006 and phone number of XXXX should no longer appear on credit reports as it is past the statute of limitations. It still appears on Transunion, XXXX, and XXXX, even after attempts of removal with credit repair company on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I would like to ask you about to check my accounts. I can see that these accounts are reported incorrectly and its not right. This is wrong information and should not reported like this in my profile. Could you please check it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Eight years ago I had to file a bankruptcy. I have worked REALLY hard to get my credit score over 700. In fact, I was able to purchase a house. First, I thought a bankruptcy was only supposed to be on your credit report for 7 years. Second, I thought having a great credit score and also paying every bill on time for the last 8 years there would be no problem in getting a credit card. ( and, I might add, increased salary as well ) Recently, I tried with XXXX. Denied - one derogatory mark - bankruptcy was what the reason was. Next, I wanted to get a credit card with the bank I am using. Again, denied. And I told the bank manager who helped be complete the application that I could bet money I'd be denied but thought I'd try one more time. I feel abused and penalized for something that has been dealt with and no longer should exist on my report. Now, if I must wait for 10 years, okay - not real happy about that but what does the little person have to fight the giant with, right? I hated to have to file bankruptcy and tried everything I could think of not to have to do it. I've decided not to let this " bankruptcy '' determine my happiness, but it really is not nice having to be denied when that was a long time ago. Please help me. Thanks!
Product: Credit card or prepaid card

On XX/XX/2022 I noticed that my credit card statement it was charged with {$310.00} worth of things that I didnt purchase on XX/XX/2022 with a card that I didnt activate because I lost my card after I paid it off in XX/XX/2022. 

I called on XX/XX/2022 and started a claim for the fraudulent charges and they assigned the claim case to XXXX. Ive tried contacting XXXX 3 times and left 2 voicemails within the past 3 weeks and havent received a phone call back. 

Today I find out XXXX stated in the system that he tried contacting me on XX/XX/2022 ( he didnt call or leave a voicemail ) and he closed the claim stating that it was wasnt any fraudulent charges with a card that I never activated. 

Please help me with this this.
Product: Checking or savings account

Ive had 37 separate unauthorized ach withdrawals equaling {$4300.00} from XXXX XXXX bank from my business checking account with Chase. I do not have an XXXX XXXX or any kind of account with this company. Ive called them several times only to get a total runaround. I have filed a report with XXXX
Product: Credit reporting

XXXX ( XXXX XXXX XXXX ) is trying to collect a debt that is no longer owned by the loan holder that they claim is the loan holder ( XXXX XXXX XXXX ). I spoke to several people at XXXX as I was trying to pay a debt that was originally placed on my bankruptcy and resolved, however, I was told its a possibility of it re-surfacing. After speaking to XXXX and them telling me they were not the loan holder and they could not change anything with my loan, I asked who is the loan holder and contacted who they said is my loan holder which is XXXX XXXX XXXX. My XXXX XXXX said they do not own my loan and have no records of it. I then called back to XXXX and was told, " no one owns my loan ''. I now know that they are just a collection agency trying to collect a debt that was resolved in my bankruptcy in XXXX. I want them to take this off my credit and to stop harassing me.
Product: Debt collection

I am submitting this formal complaint regarding Portfolio Recovery Associates , LLC ( XXXX ), which is inaccurately reporting a debt on my credit report. I have attempted to resolve this matter directly with XXXX on three separate occasions by requesting full validation of the debt, but they have failed to provide the necessary documentation. 



Specifically, I requested the following : 1. Proof of Assignments - Documentation demonstrating that XXXX has the legal right to collect this debt, including all agreements between them and the original creditor proving the assignment of the debt. 

2. Validation of the Debt - A copy of the original agreement I allegedly entered into, along with a detailed account history showing how the alleged balance was calculated. 

XXXX. Proof of Ownership/Purchase Agreement - Documents proving that XXXX purchased the debt from the original creditor, including the purchase agreement and related records. 

4. Insurance Claims or IRS Reporting - Information regarding whether an insurance claim was made on this debt and, if it was charged off, whether it was reported to the IRS as a loss, including the original amount written off. 



Despite multiple requests, XXXX has only provided a few credit statements, which do not constitute full debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Without proper validation, I believe XXXX is in violation of my consumer rights and is improperly reporting this account to the credit bureaus. 



I am requesting the CFPB to investigate this matter and take appropriate action to ensure XXXX either provides the legally required documentation or ceases reporting this account on my credit report.
Product: Credit reporting or other personal consumer reports

I am submitting a request for your assistance in removing a charge-off account from my credit file. This account has been reported inaccurately, which is negatively impacting my credit score and financial well-being. Despite my attempts to resolve the issue with the creditors, the charge-off account remains on my credit reports. I have attached a copy of my personal documents to this complaint for your reference. XXXX XXXX Date opened : XX/XX/2020 XXXX Balance : {$4500.00}. I am requesting that you investigate this matter and take the necessary steps to remove the charge-off account from my credit file. I understand that the Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus must report accurate and up-to-date information, and I believe that this account is in violation of that law. I would greatly appreciate your assistance in resolving this matter as soon as possible. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 ) ( 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: Mortgage

My loan is with provident funding.

On XX/XX/XXXX my automatic mortgage payment was received by the lender. They returned the payment due to the payment being short based on their new escrow requirements for taxes and insurance. I did not realize the payment had been returned until XX/XX/XXXX. At which time I spoke with a rep, and logged onto their site and immediately made the updated payment.

I know lenders have the ability to accept payments that are short on escrow, and they also have the ability to waive a late fee in a case like this where payment WAS actually made, and fully covered P & I, as frankly escrow as well. The increase in payment is a forecast. After speaking and emailing with the company they still want to charge a late fee of $ XX/XX/XXXX on a payment of {$1100.00}.