23daVinci/CFPB_Complaints huggingface dataset:
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. 

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 has violated my rights. 

I looked at my Experian 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 card

I had credit cards stolen out of my lost wallet.I reported cards stolen within XXXX. I had a total of XXXX credit cards in my wallet. XXXX of which were Bank of America. The other XXXX had charges but were denied by XXXX, XXXX, XXXX Bank. I was called and questioned about charges and asked if I had my drivers license. I answered yes because I had to get them replaced. They said my license was used in purchase so they were going to deny me and make me responsible for charges. I continued to pay the debt left on card before they were stolen. Once balance was paid I refused to pay charges from the fraudulent charges to my card. They have continued to run down my credit score. I need some help stopping this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX
Product: Debt collection

NTL Recovery Agency has reported the same medical debt to my credit report three times. XXXX of the same amount of {$2200.00} and XXXX amount of {$530.00}. All three debts are the same medical account. 

I have done my best to dispute through the credit bureaus but to no avail these debts have not been corrected.
Product: Credit reporting 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 U.S.C 1681 section 602 A. States I have the right to privacy. 


Account name and XXXX DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and number DEPT education, XXXX # XXXX Account name and Number XXXX XXXX education, XXXX # XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX  XXXX XXXX Balance : {$1600.00}, XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX.
Product: Debt collection

Rent debt Automated Collections is currently reporting on a debt, in the amount of {$4100.00}, to the credit bureaus. This is inaccurate. The debt has been verified and it belongs to XXXX XXXX. Rent debt Automated does not own the debt. I have a contract with XXXX XXXX not Rent debt automated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance Credit Limit {$0.00} {$5000.00} Payment Info Status Paid, was a charge-off Updated on XX/XX/XXXX Past due amount - Highest balance - Monthly payment - You've made 88 % of your payments on time for this account. 

Account is still reporting as an open account under the three agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft, I am a person and not a third party, I XXXX XXXX born XX/XX/1977 am sending in this complaint my self to have a fraudulent account removed and i authorize experian to fix this issue
Product: Debt collection

I received XXXX  from XXXX XXXX ( XXXX ) on XX/XX/XXXX. This company at the time outsourced billing to XXXX XXXX XXXX ( XXXX ). The billing agency said they sent an invoice to my home address on XX/XX/XXXX, that they were told it was a bad address, and then referred the matter to a collection agency. 

I was living at my home address in XX/XX/XXXX, then moved during the pandemic and returned in XX/XX/XXXX. In XXXX, I received a collection notice from Suburban Credit Corp. 
This was the first time I was aware that I had a balance of {$98.00} -- I had never received an email, a call, or a postal letter. 
Suburban Credit Corporation said they had reported my lack of payment to the reporting agencies in XX/XX/XXXX. To update the reporting agencies on what really happened, the collection agency said I needed to take it up directly with XXXX XXXX -- I can not reach anyone to help at this company. XXXX XXXX XXXX says it no longer works as they billing entity to for XXXX XXXX, they too referred me back to XXXX XXXX -- but they have no contact information. 

My credit may have been harmed. I want XXXX XXXX to update the reporting agencies as they NEVER contacted me about an invoice for {$98.00}. I paid the collection agency this sum.
Product: Credit reporting or other personal consumer reports

My accounts 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 to be removed/updated.

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

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

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!
Product: Credit reporting

I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, XXXX, and Equifax. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX XXXX and are under deferment and are not in default. During the investigation process, US DEPT OF EDXXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. Ive made XXXX request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Product: Debt collection

I had pre-paid for services at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  late summer XXXX. Prior to the first XXXX XXXX, a visa payment was made. Months later I received a small balance from the provider, for {$72.00}, for the same services. I had been questioning the balance, as it was a pre-pay service up front, and had been told the amount was on-hold by XXXX. Early XXXX I started receiving calls multiple times a day, and text messages from MBB ( Medical Business Bureau ) out of XXXX XXXX IL. https : //www.mbb.net/ Having understood the debt was being reviewed, I was surprised. MBB was calling regarding the same {$72.00} due XXXX. On XX/XX/XXXX I called XXXX and paid the balance in full. I emailed MBB informing them I was contacting the business to pay the balance that same day ( XXXX ). On XXXX I sent MBB a record of the payment receipt and instructed them not to call again. The debt is paid. 
As of today, XX/XX/XXXX, I am still receiving calls from this debt collector, regarding the same balance and file. I have a voice message from them of XX/XX/XXXX ( yesterday ) requesting payment, which is saved for reference. 
These harassing tactics, calling weeks past payment made, and demanding payment for the same balance, are annoying, unprofessional and unethical.
Product: Debt collection

Hello I have been harassed by the midland credit management collection company, this company sent me multiples letter threats me with legal action about the credit card debt, the last letter was sent it XX/XX/23, so I did multiple calls to try to verify that the debt XXXX XX/XX/23, XXXX XX/XX/23, and the last call was XX/XX/XXXX XXXX, this company refuse to validate this debt, due this company no respond me, I decide sent a validation request letter on XXXX XX/XX/23, Maitland Credit management company received by XX/XX/XXXX XXXX, and this company fail to provide the documentation requested on the 30 days that is allowed by the law and this company persist sent me multiple letters and this point and decide to create this complain
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX  XXXX involved me making deposits for a total amount of XXXX XXXX from my CashApp account to fraudulent investment firm ( s )
Product: Credit reporting or other personal consumer reports

My repeated efforts to resolve the issue of false, inaccurate, and misleading information on my consumer report have been unsuccessful. These entries have severely disrupted my life, inducing considerable stress and XXXX. As a victim of identity theft, I must emphasize that I never authorized or agreed to have this information associated with my name.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with TRANSUNION.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, 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. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.
Product: Debt collection

On Thursday, XX/XX/XXXX at XXXX XXXX XXXX I received a text message on my personal cell phone XXXX from XXXX XXXX representing eCommission from XXXX and XXXX with this threat, quoted : " XXXX, if I do not hear from you I will have to put your account in legal status. You understand that they will file complaints against your license? ** Please give me a call ** XXXX XXXX representing eCommission XXXX. '' I did not reply. Then, again on Friday, XX/XX/XXXX, from the same number I received the following text, quoted : " I will be notifying XXXX XXXX  of the UCC1 Lien against you ** XXXX XXXX representing XXXX XXXX. '' I responded : " There is no lien against me. Does your firm usually tell lies? And that would be a CFPB violation against you if you do so. I'm an educated person. Threaten me again. I also have not authorized your firm to text me. FTC violation. Don't text me again. '' A few minutes later, I received multiple emails to multiple email accounts, including my employer-sponsored email address, from an account which I did not authorize or opt-in to receiving emails from eCommission. To my ultimate humiliation, my former employer, XXXX XXXX, was copied, as well as, my former email address with that employer, my personal yahoo account, my personal gmail account. 

Included in their numerous emails as an attachment is what appears to be a UCC-1 filing against me, dated XX/XX/XXXX. However, the financial instrument they attached as " proof of indebtedness '' to eCommission was dated XX/XX/XXXX. My first response to them was that I had not been served any documents via judicial due process ; I had no knowledge of such lien against me ; and I questioned the dates on the documents. 

They notified my current employer with the same attachments via facsimile addressing XXXX XXXX, Compliance Specialist with XXXX XXXX. XXXX XXXX has confirmed receipt of all of the above from this debt collection agency, https : //www.rabtx.com/ - claiming to represent eCommission. They told my employer that they expected to be paid. 

In addition to the discrepancy in the dates ( filing a lien against a consumer 9-months prior to the date of the financial documents/loan ), the documents filed with the UCC-1 are against a nickname, the address on the documents was vacated more than 2 years prior to the lien filing date, judicial due process was not complete, but their brutally embarrassing tactics have caused me personal strife, fear, and anxiety. 

I am a XXXX  mother of XXXX  children. My employer is my only source of income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting with this written notice that the following inaccurate   XXXX   XXXX   XXXX     XXXX  Days Late be removed from my credit report. The items are not correct and are causing me financial distress because of their derogatory information. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in  XXXX  Ky for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020
Product: Mortgage

I applied for bearance during covid and approved for 12 months which was ended on XX/XX/XXXX. I elected for forbearance and loan modification offered by Bank of America and I applied for it ( who was my original lender for 20 plus years ). Initially I was asigned a loan officer for the file for the first two months ( Ms. XXXX ) and everything went well ( loan application was sent, completed and was send for underwriting ).

But without any reason given my loan officer was taken form from the file and my file was handled by pool of representative who were working from home until XXXX. I tediously followed up on every request and fullfill them. Unforfunatelly this folks from home never had full excess to bank of America and always were vague or incoherent in following ... with excuses inludes lost electric, baby sitting etc. Finally, On XX/XX/XXXX a young lady on the phone indicated the file is approved and there sending the document out to me for signature. I waited for two weeks and nothing came. I called back and got another guy called XXXX, shocking he said no documents were send out and the file is still and the underwring but acknowledge that the representaive conversation on XX/XX/XXXX saying file approved and docs out. I ask for the supervisor but he promise to get all of them because of the seriousness and revert back in two hours. Three days passed and no call came. I called back again on XX/XX/XXXX and this time I got account manager on the line but this time something strange happened. Since I filed for bankruptcy on XXXX and closed on XXXX and reopened for some technically error by the judge ( which was acknowledge in writing ). He indicated that he needs athorization from banckruptycy lawyer to talk to me, I have indicated that authorization given and thats the reason everyone was talking and emailing and mailing me stuff. He indicated that was missing now and needed another one .I feels this was done to cover ups their scam and scruplous activities. anyway my lawyers immdiatttely send another aurhorization. To my suprise another account manager XXXX from texas told me today XX/XX/XXXX that he apologies for all errors and shortcomings but I needed start another application which he going to send. I told him I am appalled and shock to hear on that but will accept the application without prejudice. I even paid few months in betwen the forbearnce in good faith. My house is worth XXXX XXXX and I have XXXX plus in mortgage. I am worried and concern bank of American might be engaging in some fraudulent scam practice with their customer. I am also going to file the same with attorney general office.