23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or around the beginning of XX/XX/XXXX we began receiving phone calls from Radius Global Solutions ( RGS ) in regard to a medical bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. They provided the account details and balance of {$500.00}. 

However, the balance they provided was not the last balance we had received from the original creditor. On XX/XX/XXXX we requested a statement from the original creditor and received a XXXX balance statement from them just days later. This XXXX  balance is for the same account number provided by RGS. 

Since our last payment to the original creditor had occurred just 30 days prior, we thought this discrepancy odd and disputed the balance with RGS - requesting statements/media from them to confirm a correct balance. 

We made this request on multiple occasions and emailed disputing statements to the supervisor at Radius Global Solutions. In the email I confirmed our request for media in writing, along with proving the bank statements that listed our payments towards this particular bill. 

One week passed and I did not receive any response from Radius Global Solutions. We spoke with them on the phone and they denied receiving our request for media and also stated that we were refusing to pay the balance. The supervisor called us liars and began putting words into our mouth in regards to refusal to pay/unwilling to resolve the debt. We clarified that we were not unwilling to resolve the debt and were disputing the balance and continued to request media before we could make any steps towards resolving a potential balance. 

Upon completion of this phone call I again emailed the address provided with the disputing documents and again requesting the statements/account media and again received no response.
Product: Debt collection

I disputed many times with different credit reporting agency but still they have not taken it off it is not mine, i was homeless for a long time and just getting a place and need my good credit back. because of this an other issues my credit is so low and hard to make way please take it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted several disputes regarding XXXX XXXX XXXX account number XXXX**** on my credit report. This account is not accurate and should be deleted from violating FCRA reporting policies and for not complying with XXXX XXXX standards which is required by the XXXX. This account does n't even have an Address Identifier Number because it is not accurate and should be off. XXXX and XXXX already deleted this account from my credit report.
Please delete XXXX XXXX from my credit report as my name does not have a y in it. also, delete XXXX XXXX as you spelled my name backwards. I do not want these two names to be confused with someone else.
Please delete the following inaccurate/incorrect addresses : XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX, NY XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

The inaccurate accounts in question are as follows : XXXX ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) ACCOUT NUMBER XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. 
I am requesting the following actions from Experian through the CFPB : Conduct a proper and thorough investigation into the accounts l 've disputed. 
Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
Remove any inaccurate or unverifiable information from my credit report immediately. 
I am attaching all relevant documents, including dispute letters, Experian 's responses, and supr evidence, to this complaint for your review. 
Thank you for your assistance in addressing this matter and ensuring that Experian complies wit federal laws to protect consumers like me. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made three separate requests to receive my report from LexisNexis, as indicated in their profile, but I have not received it either by mail or email. This issue has persisted since XXXX of 2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax sent a letter dated XX/XX/2020. Refusing to comply with the FCRA section 605 ( B ) c. This is a willful and direct violation of the FCRA code. I am seeking help from the CFPB in this matter.
Product: Debt collection

I am writing to formally dispute and request corrections to the inaccurate information on my credit report. Upon reviewing my credit report, I have identified an error regarding the account with the following details : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023 Balance : {$710000.00}. I am bringing to your attention that the payment for this account was made on time. However, it appears that the late payment marking is inaccurate and does not reflect my actual payment history. I want to bring to your notice that XXXX has already addressed and corrected this issue by removing the account from their records. They acknowledged the presence of an error and promptly rectified it. I am perplexed as to how this discrepancy has not been similarly resolved by your bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately : XXXX XXXX XXXX  XXXX Last reported XX/XX/2020 {$3700.00} Reported balance Credit limit
Product: Credit reporting or other personal consumer reports

XXXX XXXX I contacted XXXX XXXX XXXXXXXX, XXXX regarding their account on my consumer report. I requested a validation letter, verification, any and or disclosures or signatures stating account ownership. CFPB COMPLAINT ID : XXXX None of the documentation was provided. I request for this account to be removed from my account. I have consumer rights, anything information on consumer report must be accurate and complete. I have consumer privacy rights. 

FTC ACT FCRA ACT THE TRUTH LENDING ACT PLEASE REMOVE THIS ACCOUNT FROM MY CONSUMED REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed that there was a fraudulent account opened under my name without my consent. I am opening this FTC report to dispute the fraudulent account opened under my name. Dispute and remove the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/19 Comentiy Bank called a relative of mine in Arizona, from XXXX XXXX. I have complained before about them calling relatives/friends and was told they would contact me directly and closed the complaint. They continue to call relatives repeatedly discussing my financial situation with them. They also continue to call out of state relatives.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account should not be past due or anything I do not owe them anything. They actually owe me A few dollars. They report inaccurate information and then I have to pay for It by my credit score dropping tremendously.
Product: Mortgage

We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!
Product: Credit reporting or other personal consumer reports

According to FCRA XXXX XXXX it is illegal to report information on my credit report without my permission. Please remove this from my credit report, Thank you
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed I have incorrect items on my Consumer report that I was not aware of. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments and also I have no knowledge of these Fraudulent accounts and Fraudulent inquiries Please investigate and provide Proof with statements showing that these payments were late and that these Fraudulent accounts and Fraudulent inquiries are mine.

If proof can't be provided I demand these payment accounts and inquiries be updated too on time as they should be as I was NEVER Late and the Fraudulent account and Fraudulent inquiries I am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX XXXX is reporting a 30 day late on my Experian credit report for the month of XX/XX/2021. I was not 30 days late XX/XX/2021. 

Please correct.
Product: Credit reporting or other personal consumer reports

Credit inquiry on my TRANSUNION credit report from XXXX XXXX  is incorrect.
Product: Debt collection

XXXX XXXX says I have a bill? Theres an address listed I am not aware of this address or any such service there.
Product: Credit reporting or other personal consumer reports

Upon checking my consumer credit file I noticed web bank fingerhut account # XXXX has failed to respond too my concern regarding my credit file. Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge off while still claiming I owe a debt. I have requested the company XXXX XXXX validate the account or PERMANENTLY DELETE IT. I have called each creditor to which I want to know what reasonable procedures that were taken in the investigation and verifiying the information on this erroneous debt, I am asking AGAIN for all file disclosures and the full sale file and agreement of this debt. According to FEDERAL LAW ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to VERIFY, through the physical verification of the origanl signed consumer CONTRACT. It is an federal crime to keep verifying an account without full DISCLOSURE.

15 USC 1681g section 1-3
Product: Credit reporting or other personal consumer reports

I have discovered accounts listed on my credit report that I have no association with, and they are completely inaccurate. This is both unfair and distressing, as it is negatively impacting my financial reputation. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to an accurate and complete credit report. These errors must be rectified immediately, as they should not be present on my file. I am requesting a thorough investigation into this matter and expect all inaccuracies to be removed without delay. Failure to address this will leave me no choice but to pursue legal action.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have noticed some unauthorized and fraudulent inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies
Product: Debt collection

Transworld Systems I is reporting a fraud collection account on my credit report. I have disputed this fraud account several times with the creditor and the credit bureaus. This is a violation of the Fair Credit Reporting Act. The debt is in the amount of {$430.00} and the address associated with the address is XXXX XXXX XXXX XXXX, TX XXXX. I have never been to this address or been associated with this address. This is a fraud account that was opened in my name for electricity service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this on my credit report XXXX XXXX open date XX/XX/XXXX XXXX XXXX  open date XX/XX/XXXX XXXX  open date XX/XX/XXXX XXXX XXXX XXXX open date XX/XX/XXXX XXXX XXXX open XXXX
Product: Mortgage

We completed a short sale on this home XX/XX/17 and Carrington Mortgage was paid {$35000.00} from the short sale proceeds. The XXXX at the time of closing was {$58000.00}. The client has now received a XXXX saying she is being forgiven of {$79000.00}. Although we understand the XXXX is not the same as the payoff quote, we don't understand how there is such a discrepancy. I contacted Carrington on XX/XX/17 via phone and asked for clarification on the {$79000.00}. The rep told me she would have it researched and I would have a response in 5-7 days in writing. I never heard back from Carrington and our client can not file her tax returns without the correct information, so I called again today. I was on the phone over 3 hours and transferred back & forth between collections, customer service, short sale and the tax department. All parties indicated they can not see any information and are unsure where the number came from. So Carrington has issued a XXXX with information that they have no basis for?? The last rep indicated it is my responsibility to prove they are wrong by faxing in a dispute. I have just done so, however this is further delaying my client in filing her return.
Product: Debt collection

XX/XX/XXXX Registered at XXXX  XXXX XXXX in the following classes : XXXX XXXX XXXX XXXX XX/XX/XXXX -Verified, Accepted student loans to pay for classes XXXX -Enrolled in all 4 classes stated above XX/XX/XXXX -Dropped out of classes due to missed discussion board post. XXXX  XXXX XXXX asks you to post every two weeks to a discussion board to count as attendance, however, I missed the last discussion board deadline due to being laid off and financial difficulties. 


XXXX -Made several calls and emails to XXXX XXXX XXXXXXXX XXXX As well as multiple phone calls to the Veteran Affairs Department to let them know I was indeed enrolled in all my classes up until XX/XX/XXXX. However, XXXX  XXXX XXXX kept mixing up that I was enrolled in a few classes when I was completing assignments for all four classes. To apply for XXXX  XXXX XXXX XXXX XXXX ( CB ) classes you can only enroll in 4 classes at a time. 

-I called the VA education department and was told that I enrolled in only two classes and the others one at a time. That was incorrect. This is why the Veteran Affairs for Education Department thought I was not fully enrolled but again I was signed, enrolled, and completing assignments/discussion boards for all four classes stated above until XX/XX/XXXX when I was dropped for a missed discussion board. They said I owed them for XX/XX/XXXX and was not paid for my final month in XXXX. 

XXXX - After multiple miscommunications with XXXX XXXX XXXXXXXX and calls back in forth I called the VA for Education Department again . The agent on the phone said I have one more option to send over a financial status report to the VA department so they could decide on whether they would waive the amount they said I owe. I complete it on XX/XX/XXXX and send it through XXXX on XX/XX/XXXX. 

XXXX -I called about a week later to see the update on the decision and I was told I would get a letter. So, throughout the months I didn't recieve anything in mail so I assumed everything was handled. Also, I was no longer enrolled in school and focuses on building my income again. 

- Again my issue is that I was enrolled as FULL time as a XXXX  XXXX XXXX student up until XX/XX/XXXX. I do not owe money because I was completing assignments and discussion boards on all classes. I was not a XXXX XXXX XXXX or in XXXX class at a time. I have attached any evidence I could find/ had access to for my proof of attendance.
Product: Credit reporting or other personal consumer reports

XXXX has once again reported a criminal history that was expunged over 11 years ago. This is not the first instance where this erroneous reporting has occurred, leading to a denial on a prior application. Such inaccuracies have caused embarrassment and led to unfair judgment. I demand the immediate removal of this information, or I will pursue legal action against the company. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  also known as XXXX XXXX- Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove the unverified inquiries that reporting in my credit file. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any information/accounts/inquiries not later than 4 business days.Please find the required documents to assist in the blocking of these unverified inquiries which is being posted to my report. Here are the list of inquiries that I want to remove : 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 XXXXXX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation.