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

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX  XXXX Email : XXXX Phone : XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX  XXXX Re : Complaint Against XXXX and Equifax Refusal to Comply with Arbitration Agreement Dear Sir or Madam, I am writing to file a formal complaint against XXXX and Equifax for their refusal to comply with the arbitration agreements outlined in their consumer contracts. 

I initiated arbitration proceedings against both XXXX and Equifax through the XXXX XXXX XXXX XXXX XXXX ), under case number XXXX. Both credit reporting agencies have refused to participate in the arbitration proceedings, which constitutes a breach of the arbitration agreements they require consumers to enter into. This refusal has caused me significant harm, delaying the resolution of my disputes and creating unnecessary legal obstacles. 

I request that the CFPB investigate this matter and take appropriate action to enforce the companies compliance with their arbitration agreements under the relevant consumer protection laws. If needed, I am prepared to provide any additional information or documentation to support this complaint. 

Thank you for your attention to this matter. 

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

This account was charged off on Experian on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, the status update is XXXX XXXX and the last payment XX/XX/XXXX, XXXX account charged off On XXXX on XX/XX/XXXX and has been updating with charge off status in XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, The status say charge off and the status update is XXXX XXXX there is no payment history on XXXX and the last status update is XX/XX/XXXX XXXX Experian it reports XXXX potenially negative months, on XXXX it reports XXXX potentially XXXX months.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX Bank XXXXAccount Number XXXX XXXX XXXX a copy of my most recent credit report
Product: Debt collection

I have several collections from DEBT RECOVERY SOLUTIONS on my credit file. Some are duplicated. I sent a request to this agency asking them to validate this account. They never validated anything yet they continue to report it on my credit as well as duplicate accounts making it look like more accounts with the exact same dates and amounts. I have medical insurance. The hospital can't locate the debt this agency is reporting
Product: Mortgage

DOVENMUEHLE MORTGAGE HAS DRAINED MY ESCROW ACCOUNT BY {$6400.00} AND REFUSES TO GIVE ME ANY PROOF OF THE PAYOUTS. I HAVE SPENT OVER 30 HOURS [ 80 % OF TIME ON HOLD ] TRYING TO GET THEM TO EXPLAIN THEIR PAYMENTS MADE FROM MY ESCROW ACCOUNT IN THE AMOUNTS OF {$14000.00}. THIS EVENT IN XXXX OF 2021 RESULTED IN THEM DOUBLING MY MONTHLY PAYMENT. WHEN THEY REFUSED TO EXPLAIN, I INFORMED THEM THAT I WOULD HANDLE MY ESCROW GOING FORWARD. I HAVE NEVER MISSED A MONTHLY PAYMENT OF PRINCIPAL AND INTEREST AND PAID THE ESCROW UNTIL THEY TOOK MY ESCROW AND WOULD NOT GIVE ME ANY PROOF OF WHY THEY PAID 3 TIMES THE AMOUNT OF PROPERTY TAXES ON MY PROPERTY. I HAVE ANALYZED MY ESCROW WITH THE ACTUAL PAYMENTS RECEIVED BY THE TAXING AUTHORITIES AND THEY DO NOT COMPARE. I HAVE ATTACHED XXXX PDF FILES SHOWING THE ISSUES I AM HAVING WITH THEM. ISSUE # 1 IS THE PRINCIPAL BALANCE. I HAVE NEVER MISSED OR WAS LATE ON ANY PAYMENTS ON MY ACCOUNT. SEE PDF SHOWING HOW THE PRINCIPAL BALANCE THEY SHOW IS OFF BY {$2600.00}. ISSUE # 2 IS MY ESCROW ACCOUNT WHICH I ANALYZED AND FOUND THAT THEY PAID OUT {$6400.00} MORE THAN THE CITY AND COUNTY TAX ASSESSOR SHOWS. I HAVE THAT ANALYSIS IN THE SECOND PDF. 
FINALLY THE LAST PDF IS THE SUMMARY OF TELEPHONE CALLS AND MY REQUEST TO HAVE THE ESCROW ELIMINATED DUE TO CAUSE SINCE DOVENMUHLE REFUSED TO PROVIDE ME WITH PROOF OF WHAT THEY PAID AND WHY.
Product: Vehicle loan or lease

I have asked several times for a copy of payment history and for some reason they will not provide it. I need do to the fact Gap is denied my claim and want to review where my payment are posting and when they are applying my payments
Product: Debt collection

Company continues to report to credit bureau a debt that was previously included in a chapter XXXX  bankruptcy and discharged. Dispute was made with credit bureaus and the reporting continues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX i disputed item from my credit report as fraudulent it was blocked for a week then reappeared again as open account when i talked with both credit bureaus and creditor which is XXXXl XXXX today on XX/XX/22 i talked to XXXX XXXX on recorded line where the fraud investigation team reassured that upon investigation they came up to conclusion that the information was inaccurate and should be erased from credit but nor creditor nor credit bureaus took action it still shows on my credit and from my end i took all the requirements such as filing an ftc report and police report and provided all necessary information to prove that it was opened without my authorization.
Product: Mortgage

My Mortgage Company Is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX NMLS ID : XXXX XXXX I have made every payment. The Mortgage company failed to pay my town property taxes out of the escrow account that were due XX/XX/XXXX. I was notified by the town on XX/XX/XXXX that the taxes had not been paid and that they intended to put a lien on my house for non-payment of taxes. I immediately notified Freedom Mortgage and followed up several times, but they failed and refused to pay the taxes. 

On XX/XX/XXXX I paid the taxes, interest and penalties in the total amount of {$4900.00}. I have called and emailed Freedom Mortgage numerous times but they have failed and refused to reimburse me for the tax, interest and penalties I had to pay because they failed to do so. All they will tell me when I call is " we have a ticket open. '' I could not afford to pay this {$4900.00} and to make it worse, I still had to come up with my regular mortgage payment on XX/XX/XXXX. This is a serious financial hardship. 

Please help and take all possible regulatory actions against XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late 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 reported in 60 days to be removed. 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. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent and unknown and unauthorized by me. Thess accounts has been appearing and reporting on my credit files. Im demanding the removal of these fraudulent accounts. Please remove the following. 

1. XXXX XXXX {$300.00} 2. XXXX {$1000.00} 3. XXXX XXXX {$500.00} 4. XXXX XXXX {$500.00} 5.XXXX  XXXX  {$60.00} 6. XXXX XXXX {$470.00} 6. XXXX XXXX {$310.00} 7. XXXX XXXX {$730.00} 8. XXXX XXXX {$160.00} 9. XXXX XXXX {$110.00}
Product: Debt collection

Regional Acceptance chargeoff balance {$17000.00} Disputed XX/XX/XXXX XX/XX/XXXX charged off XX/XX/XXXX Date opened XX/XX/XXXX I am writing to file a formal complaint against Regional Acceptance Corporation for their violation of 26 USC 6050P and fraudulent reporting practices. 
Regional Acceptance has admitted to charging off my debt but has refused to issue a Form 1099-C as required by law. This refusal is a clear violation of 26 USC 6050P, which mandates that any applicable entity that discharges indebtedness of {$600.00} or more must file a Form 1099-C with the IRS and provide a copy to the debtor. 
The company 's actions constitute fraud for the following reasons : They have acknowledged the charge-off of the debt, which is considered a discharge of indebtedness under the law. 
They have failed to report this discharge to the IRS via Form 1099-C as required. 
They have denied me, the debtor, the legally required documentation of this discharge. 

This fraudulent behavior not only violates federal law but also potentially exposes me to tax liabilities and continues to negatively impact my credit report. 
I request that the CFPB take immediate action to : Investigate Regional Acceptance Corporation 's violation of 26 USC 6050P. 
Require Regional Acceptance to immediately issue the Form 1099-C for the discharged debt. 
Mandate the immediate removal of this account from my credit report due to the fraudulent reporting. 
Take appropriate enforcement action against Regional Acceptance for their non-compliance with federal law. 

I am prepared to provide any additional information necessary to support this complaint. Please contact me at [ Your Contact Information ] if you require any further details. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, XXXX and TransUnion Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Credit reporting or other personal consumer reports

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

I traded a XXXX XXXX XXXX into a local dealership in XX/XX/XXXX. The dealership called Chase for the payoff and the lease was paid in full. Over a month after I traded the car, Chase says they sent a letter to me for damages to the vehicle totaling {$970.00}. I was never notified a vehicle inspection was being done. I was not present for any inspection, therefore am unable to validate an inspection actually occurred or who performed the inspection. I was never late on any lease payments. Chase reported me as charged off to the credit bureau in XXXX of XXXX with a balance owed for damages. I called Chase on XX/XX/XXXX, the automated system gave the message my account was paid in full, I spoke with a customer service representative who stated my account was paid and full and she would transfer me to credit bureau disputes because of the charge-off showing. The associate I was transferred to confirmed again my account was paid in full and she would submit the update to the credit bureau. I have been monitoring my XXXX and no updates so I called back today and spoke with XXXX who stated I owed a balance of {$970.00}. This is an unfair and deceptive practice to send a bill for damages without making me aware of the date and time of the inspection to be present. I have traded other leased vehicles in and was notified of the inspection so I could be present. The other issue I have is when I call the automated system and put in my personal information, the recording says my account is paid in full. If Chase shows I owe a balance, why would the automated system give misleading information. Lastly, XXXX did state he would submit a dispute on my behalf for the balance however, given the circumstances and conflicting information I have received, I don't believe Chase will resolve this appropriately.
Product: Credit card or prepaid card

Transunuon charged me {$25.00} for a membership I didnt even know about there website didnt mention that it would be {$25.00} when I signed up I ended up canceling my membership {$20.00} mins after
Product: Debt collection

I do not feel comfortable giving this company more of my information to use against me. This company has already claimed I lived in a XXXX store, which is illegal and impossible. 
PlusFour illegally changed my address in their filing system and failed to follow the law by removing the inaccurate collections from all three credit bureaus.

If the CFPB and XXXX  are unable to help, I will be forced to engage all parties in litigation ( defamation, slander, fraud, lost wages/time, etc. ). However, I feel the easiest path for all parties is to remove this illegal and unauthorized collection account from all three credit bureaus.
Product: Mortgage

On XX/XX/2023 XXXX XXXX XXXX requested that PRMG disclose the information to the bank issuing the certificates of indebtedness. 
On XX/XX/2023 PRMG responded by disclosing the information. PRMG disclosed that XXXX XXXX was the loan owner. 
On XX/XX/2023 PRMG sent notice of Servicing Transfer. 
On XX/XX/2023 I, XXXX XXXX sent PRMG notice, that I did not consent to the transfer and I requested that the Credit Balance be applied to the Consumer Account. 

PRMG has sold the loan to XXXX XXXX  without my approval or consent. I do not waive my rights nor have I waived my rights under 1002.2 Paragraph 2 ( c ) ( 2 ) ( ii ). Nor do I waive my rights to a Servicing Transfer. PRMG is in default, PRMG has sold the loan without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 
CHAPTERXXXXBANKRUPTCYDISMISSEDXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account reporting on my Equifax and XXXX that is past the statue of limitations yet this XXXX XXXX continues to report it as a collection account when it was charged off with XXXX over 7 years ago. They continuously report an aged account and that is against the FCRA! This is absolutely insane and they report the account as being past due of {$45000.00} and balance of {$130000.00} if the account is a charged off account then how could the balance be any different than the past due?
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

I have contacted all three credit bureaus by notarized certified receipt mail requesting that the XXXX # XXXX account be removed, as well as the XXXX XXXX  account # XXXX, from my credit report being that they are not my accounts. Both of the accounts are in good standing but neither of the accounts are mine and I would like for my credit report at maximum accuracy. 

My Equifax credit report is showing that the XXXX account is XXXX  years and XXXX  months old, and the XXXX XXXX  account is XXXX years and XXXX  months old. I have been a victim of identity theft on the XXXX web and that information is reflected across all three credit reporting websites. I have also had my personal information compromised across all XXXX credit reporting agencies due their data breaches. The information does not reflect my credit use or history, and I am absolutely pleading with your company to have the information corrected and removed from my credit report immediately. I would greatly appreciate your help because it has been more than XXXX years and I'm still very eager to have these items removed. Please, and thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I sent in a letter to Experian. I sent disputing the validity of the 2 bankruptcies they are reporting on my credit report. They responded with a letter stating that they " verified '' this item through XXXX XXXX, I went directly to XXXX to dispute the item in question and XXXX XXXX could not verify this item so they deleted it from their database. I have also attached the doc. 

I then went back to Experian on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of the year XXXX. I showed them the deleted bankruptcy from XXXX XXXX informing them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home and causing me to pay XXXX  more in interest every year. 

This item needs to be deleted from my credit report if it can not be verified within 30 days.
Product: Debt collection

I filed for business and personal bankruptcy 3 years ago and this agency continues to call over a debt that occurred after that. The agency calls daily and leaves messages. When I spoke to them personally they were aggressive and rude. The agency is Harris and Harris.