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

This is a formal complaint against Covington Credit Texas located in XXXX, SC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Covington Credit Texas located has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested for Experian to provide me with signed documents verifying that the accounts that I am disputing are mine. Experian has not provided those documents. They only send information saying that the account is verified.
Product: Credit reporting or other personal consumer reports

Try to dispute 3 accounts thats have been settlement and the company have not interest in these accounts. These accounts are XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX. These accounts still affecting my credit report and credit score. Im a XXXX veteran that wants to by his first home and this accounts are restricted me from doing it. I have try to get them remove from XXXX, XXXX and Trans Union with no results. I did send them letters wrote down and they didnt do anything.
Product: Credit card or prepaid card

XXXX fraudulent charges on our Bank of America Master Card XX/XX/2020 -- Bank of America 's lack of " fraud spotting software '' 1. On XX/XX/20, via email alerts I was notified that two very expensive charges had been made at the two XXXX, in Kentucky. I had not ordered anything from XXXX, and I had not authorized anyone to charge anything at XXXX on my behalf. There are two MCs in this house, and only my husband and I use them. Neither one of us had lent our card to anyone else.

2. On XX/XX/20, even though the Charges were still in pending status, at XXXX XXXX, I called BOA any way, and alerted them I did not charge anything at XXXX. Those charges are fraudulent. I looked up the store numbers. These were charged at XXXX store XXXX, and XXXX XXXX. Amounts were : {$460.00} and {$390.00}. A total of {$860.00} had been charged to my account, in Kentucky, and BOAs fraud software never caught it. 

3. On XX/XX/20, I went into online BOA account, and noticed charges had gone from pending status, to firm status, and had not been marked as fraudulent or in dispute. 

4. On XX/XX/20, at XXXX XXXX, I called BOA to once again report fraud on those two items -- since my online account did not indicate any Fraud Dispute in action.. Spoke to XXXX from Texas and again explained that neither charge was mine. 

5. XXXX put Dispute status on my account, for both charges, and said a new card was being mailed. 

6. On XX/XX/20, I went into my online BOA MC account, and both charges had been market as Fraud Dispute. 

This issue involves Bank of Americas LACK of fraud spotting software. I dont live in Kentucky, I dont do business in Kentucky, and BOAs software should have picked up those two charges, as fraud, right away. 

This issue also involved XXXX, and their apparent lack of fraud spotting software allowing such charges to be made to my Master Card Account. 

I want full credit, for these charges, as I did not make them, nor did I authorize anyone else to make them. I want these charges off my account.
Product: Credit reporting or other personal consumer reports

I called Discover credit card to close out my account but Im still making my payments theyre coming out of my checking account automatically every month on my report it shows that they close my account because of nonpayment it needs to be fixed
Product: Debt collection

In XXXX i reviewed my XXXX report. a collection account is there from XXXX listing HOUSEHOLD FINANCE as the original creditor in the amount 0f XXXX and a current balance of XXXX I have never had an account with household finance, so i disputed with XXXX based on the fact that the account is not mine. 
I received a phone call from XXXX XXXX @ XXXX XXXX the very next day informing me that it would not be deleted from XXXX because they dont work for XXXX, XXXX works for them. He stated that the only way it would be deleted is if i paid it. He then threatened to report it to the other XXXX bureaus if i did not pay it off by the end of the week. 
When the dispute closed with XXXX in XXXX, the account was upheld with now a XXXX balance. 
XXXX is refusing to answer my letters to validate the debt, and they will only give me a PO BOX as a mailing address, so i can not send them any legal documents to sign for. 
They also lack the surety bond that is required by my state to collect or report a debt as a collection agency. 

to this day they still will not give me any information to verify the legitamacy of this aleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX act. # XXXX XXXX XXXX XXXXXXXX XXXX. # XXXX XXXX XXXXXXXX or ( XXXX ) Act. # XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX XXXX  XXXX XXXX. # XXXX XXXX XXXX XXXX # XXXX XXXX Funding Act. # XXXX The 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
Product: Debt collection

I have not received any correspondence from collection agency to validate this account. I disputed several times to get this information. I asked for information regarding by account XX/XX/2023. I have since not received anything and dispute has closed. Please remove this account from all 3 credit bureaus until information can be validated.
Product: Credit reporting or other personal consumer reports

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies, but a request for VALIDATION made pursuant Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I've mailed multiple dispute letters to Experian regarding an account which is reporting inaccurately. In the previous dispute letters I asked them to ensure that this account is reporting accurate information and to to remove anything that isn't accurate. They responded that this account is accurate but still even after multiple investigations I can prove that there are multiple inaccuracies reporting which is against 15 U.S. Code 1681i - Procedure in case of disputed accuracy, section ( 5 ) Treatment of inaccurate or unverifiable information. I am aware that it is the credit reporting agency 's duty to do what's fair and equitable for me as a consumer in which I believe I wasn't given a fair investigation. If Experian responded that this information is accurate, how are there still multiple inaccuracies and violations reporting? Pursuant 15 U.S. Code 1681a - Definitions ; rules of construction section ( 2 ) Exclusions, subsection ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I am aware that certain information is not included in a consumer report by definition which Experian violated. They failed to properly investigate this account in which it reports totally different information than what the other credit reporting agencies are reporting. How can an account report 30 days late, then closed, 30 days late, then closed? The account number is completely different from what the other credit reporting agencies are reporting. I acknowledge that I have a right to privacy and in order for any account to be reported to my consumer report I must be given the right to opt out from this information being reported in which I never was never made aware of this from the creditor reporting this account. I would like to flex my option to opt out of this information being reported on my consumer report in which Experian must abide by. By Experian still reporting inaccurate information even after multiple attempts to investigate this account, my credit score is negatively impacted for their mistakes. Included in this complaint is a copy of my dispute letter and Experian consumer report of the account with inaccurate information in which I believe is inaccurate. 

Violations committed by Experian : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1666 - Correction of billing errors
Product: Checking or savings account

I wrote a check to my daughter, XXXX XXXX, on XXXX XXXX for {$800.00}. I put it in an envelope and mailed it to her in XXXX XXXX, CO. The check was stolen out of the mail ( never arrived at her house ) and altered. The amount was changed to {$8000.00} instead of {$800.00} and the recipient was changed from XXXX XXXX to XXXX XXXX who is unknown to me. The check was cashed or deposited ( not sure which ) at XXXX XXXX XXXXXXXX. It came to my account on XX/XX/21 and {$8000.00} was withdrawn from my bank account. I informed the bank ( SunTrust or Truist after a merger ) of this fraudulent transaction on XX/XX/21 and a customer service representative took the information and gave me a fraud number XXXX. I have called customer service at the bank 2 x per week which included hold times of 30 min. to 1 hour. The customer service rep. checks on the progress but really has not addressed any progress of significance. I have also spoken with the manager for the branch I use ( XXXX XXXX XXXX in XXXX, GA ), She contacted the fraud branch and got the same information as I had gotten from customer service. I am not allowed to talk to anyone that is part of the fraud office. I have been waiting for results for 6 weeks, but so far no results.
Product: Credit reporting or other personal consumer reports

Hello recently I have been seeing XXXX XXXX reported on my profile history and I thought someone added me as a tradeline. So I been calling since XXXX to get this issue handled as I got a notification from the XXXX  that my information was exposed in the data breech and also Exposed with a individual with the police department of XXXX ga They did not provide the names of the individual who had my information only a letter And telling me the steps I can take. Please remove these accounts they are both fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Checking or savings account

From 2015 till now XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Did transactions banking ect loans mortgage credit in my name when shown fault I was locked out and. Still nothing has been done for me or brother children family I lost everything XXXX
Product: Debt collection

This company keeps calling about a debt apparently owed by someone else. Although I already told them I am NOT affiliated with the alleged debtor, they have continued to call me trying to obtain information I do not have. They are cynical and rude.
Product: Credit reporting or other personal consumer reports

I have contacted contacted Equifax Many of times about These erroneous Hard credit pulls on my credit report that are not mine and they say they took care of it and they didn't!! I want these erroneous Credit Hard pulls off my credit Report Immediately!! They are as follows ...... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX are deliberately reporting inaccuracies on my credit reports. I've disputed the claims and their fraudulent merit, yet these bureaus continue to disregard the hard evidence. I demand an original contract with my wet signature on them, or immediate removal of all disputed claims. I'm strongly considering litigation this matter.
Product: Credit reporting or other personal consumer reports

I was told that if I paid the debt off they will remove it off of my credit, I paid the debt on XX/XX/2023 and it still has not come off of my credit report yet and I was wondering why
Product: Debt collection

On XX/XX/2021 Paramount Capital Group voluntarily sent me an email closing my loan ( XXXX ) with them. I did contact Paramount Capital Group via email making sure this account was closed, it was closed and from the reply I received from Paramount Capital Group. XXXX days later on XX/XX/2021 Paramount Capital Group reopened this loan under a new loan number with all XXXX credit reporting agencies claiming that I'm late paying on my loan. I pulled from all XXXX credit agencies. XXXX has a balance of {$1300.00}, XXXX has a balance of {$1200.00}, and XXXX has a balance of {$1200.00} with XXXX late payments. I feel this company is not being professional in their dealings with customers.
Product: Money transfer, virtual currency, or money service

About 4 years ago I opened an account at Coinbase with several bank wires to them. I bought and traded Bitcoin with them with no problems till about 2 months ago. Up to that time I had not logged into my account for about 4 months. So it has been 6 months since I have been able to log in to my account. 

Anyway, about 2 months ago I entered my user name and password as usual, but this time it did not work. The website suggested I have my password reset, but that did not work as I never received an email to be able to do that. I just tried this same procedure and still no email with reset instructions. 

So they have a phone number to call for this type of problem but it is not maned by anyone. You simply can not reach a human being using their service number. The machine suggests to use their support page to get help with the matter, but that is also not working. All I ever get is fill out the form and we will help you, but then nothing. The only thing I get is a survey asking me if I got help. I say no and that is the end of their help. I have played that circle game of asking for help and getting none at least 10 times. 

I have apox 4 thousand invested in several cyroto currencies with them. 

I have gone on line to XXXX pages and found many people saying the same, they do not answer their phone, they do not provide any help what so ever on their support page. 

Will you please help me recover access to my account and funds. 

Thank you.
Product: Mortgage

Hello, This concerns from the very start of my refinance with my broker to be assigned to Loan Care as my new mortgage company. I was told by my broker that Id be contacted where & when to make a payment to my new mortgage company. When I finally was given the information & paymentbook I was already almost 1month behind .this made a instant problem. Ive tried with many phone calls to try to resolve this issue but its never been a permanent fix & peneltys & interest continue to add Ive never yet been 30 days late only 29. Im a XXXX man XXXX early had a great state job. I now early retired my income is my retirement & Social Security XXXX. Making almost XXXX less than I previously did. I live now paycheck to paycheck the only solution Ive been given by Loan Care is to make up the difference when I can.that is no resolve for me as I said you budget is very tight. Meanwhile I get added fees & runarounds & rudeness by select employees when I have to call in my payment the last time I called I got no where I then asked to speak to that persons manager only to get no resolve I then asked for their manager to get a name to speak to of XXXX but discussed as every time I call I just decided to try this route to resolve this ongoing frustrating situation I hope this can be resolved its been going on for to long. Thank You.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX -tried to dispute inaccurate item Ideal collection service -tried to dispute XXXX XXXXl -tried to dispute credit protection-tried to dispute XXXX XXXX XXXX-tried to dispute
Product: Credit card or prepaid card

I have been forced to apply for t

he Apple Card ( Goldman Sachs ) eight different times due to Goldman Sachs inability to verify my identify even after I have provided official government identification and personal information only I could and would know. When applying for the Apple Card, Goldman Sachs does not deny or approve the application. Goldman Sachs simply informs me that they are unable to verify my identity and requests me to fill out another application immediately for approval. Customer service agents at Goldman Sachs are not given the tools to identify issues related to system errors. I have reached out to Goldman Sachs on numerous occasions and have been given extremely poor customer service. Goldman Sachs also refuses to comply with federal law and provide an approval/denial/fault letter as per federal law.
The Fair Credit Reporting Act disclosure as required by sections 615 ( a ) and ( b ) of that act. Forms C -- 2 through C -- 5 contain only the section 615 ( a ) disclosure ( that a creditor obtained information from a consumer reporting agency that was considered in the credit decision ). A creditor must provide the section 615 ( a ) disclosure when adverse action is taken against a consumer based on information from a consumer reporting agency. A creditor must provide the section 615 ( b ) disclosure when adverse action is taken based on information from an outside source other than a consumer reporting agency. In addition, a creditor must provide the section 615 ( b ) disclosure if the creditor obtained information from an affiliate other than information in a consumer report or other than information concerning the affiliate 's own transactions or experiences with the
consumer. Creditors may comply with the disclosure requirements for adverse action based on information in a consumer report obtained from an affiliate by providing either the section 615 ( a ) or section 615 ( b ) disclosure. Optional language in Forms C -- 1 through C -- 5 may be used to direct the consumer to the entity that provided the credit score for any questions about the credit score, along with the entity 's contact information. Creditors may use or not use this additional language without losing the safe harbor, since the language is
optional.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial - on my credit file has reported multiple late payments on an account in which I was never late. This gives me reason to believe that this is not my established account. I have sent disputes to GM financial and requested that they forward to me a contract bearing my signature to authorize an account by this creditor. I sent this lender a dispute which entails that if they can not present to me a signed contract bearing my signature within 30 days, this account must removed from my credit reports. GM Financial has sent me a letter acknowledging the possible fraud on my credit file. I have included my relevant dispute documents with in this complaint.