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

To Whom It May Concern, After months of trying to get these inaccuracies fixed on my credit report. Dates are incorrect and other issues as well. I have disputed now, i'm fed up with the lack of response from the credit bureaus. This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law. 

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.

As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX XXXX
Product: Debt collection

When I opened this account I advised that I can not receive calls at work. On XX/XX/XXXX XXXX left a voicemail while I was working on my cell phone then ten minutes later called my job. I called on my break an hour later it was confirmed that my employer number was on a do not call list and it wasnt going to happen again. Today XX/XX/XXXX XXXX does the same thing in the morning calls my cell then job. I call and ask at XXXX for a way to send something in writing because I can get fired and this will be the third occurrence of being called at work just for them to say its notated not to call and they dont know why XXXX called, they refused to help any further just saying they will re document the account. This has been such an unprofessional experience I feel like Im being harassed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I had a mortgage with XXXX XXXX XXXX XXXX. I got foreclosed on and I went into bankruptcy. XXXX XXXX XXXX XXXX sold my mortgage to XXXX XXXX XXXX. Well everything was put into our bankruptcy, we did chapter 13. So we fulfilled the bankruptcy and everything was taken off our credit report. XXXX XXXX XXXX was completely taken off of XXXX  XXXX and XXXX. But it was still showing up on equifax, so I filed a dispute with them and the next month they took it off my report. It was showing 3 yrs late payments, which that was the 3 yrs we were in bankruptcy. But the following month it was put back on my credit report and dropped my score 50pts. I then called equifax  back and asked them what happened. They couldnt tell me what happened and told me to contact XXXX XXXX XXXX. So I called XXXX XXXX XXXX and explained to them and she contacted equifax  and sent in all the info and explained to them that nothing should be showing up on the report. The next month it was taken off. Then more score went back up 50pts. The following month it was put back on the report and dropped it 50pts again. I then called equifax and once again they couldnt answer my questions as to why it was still showing up. I called XXXX XXXX XXXX back and she explained to me the problem is with equifax and not them.
Product: Debt collection

To Whom It May Concern, I am having an ongoing issue/dispute with XXXX XXXX and Waypoint Resource Group collections on their behalf stemming from an issue with lack of service and unknown billing for services not rendered. I have documented this situation fully, including chat sessions with XXXX XXXX agents and other mailings from the company. 

My issue begins with when service was attached at a temporary residence in Rhode Island and the transfer of that service to XXXX, Maryland. In essence I am being charged for services and termination when I never terminated anything because the service in my area is not covered by XXXX XXXX in the first place and because, having paid my account in full as agreed, I am being charged and subsequently reported negatively to the credit bureaus for an error of the company 's end. 

The summary of my issue is this : I am being charged {$100.00} for early termination. However, they did not provide service in my new location in XXXX, MD. Which when I signed up, I explained to the rep that I was in RI on a work assignment and was not sure if it was going to last two years. He told me that I could move my services if available at my new address and if not, I will not be charged the early termination fee. It is not my fault that they do not provide services in XXXX, MD. Another attachment is for a credit that I was given for {$200.00}. I used that card to pay my final bill, as I was told by one rep. 
I was also promised a {$50.00} gift card that I was promised due to the frequent interruptions in services. This interruption kept going on for several months until I got tired of it and complaint. The rep apologized and said that she was issuing me a {$50.00} card for all the trouble. One of the several times that I called to explain/discussed the final bill to them and the collection agency to call me I had explained and sent all the proof to. I disputed these charges with that collection agency when they call me with the charges. Unfortunately, I had not found that second card. I am pretty sure they have the conversation on record. The call between me and the rep was after the attached online chat with them. I call them on the phone after that. 


The issue is not of my doing nor should I be held responsible for lack of service by the company or the promises of one agent and the lack of follow through by another. While regrettable those issues are not of my doing. I am a customer who paid for a service and would have continued paying had the company provided the services in my area. I am asking that this agency provide mediation and oversight to this situation so that XXXX XXXX and Waypoint Resource Group will take serious my complaint and resolve it with the same expediency with which they have besmirched my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 1681i states : ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. It goes on to state in part 2 of the same section ... ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

XXXX DID NOT CONTACT THE SOURCE to investigate this item, XXXX DID NOT notify the source of a dispute regarding the item, and XXXX did NOT mark the item as in dispute on my credit report. 

I have sent several letters with the last ones being notarized and sent them certified ; however, they fail to prove current, true, correct, complete, or metro 2 compliant. I do have tracking numbers if needed.
Product: Credit card

Card was compromised by fraud on XX/XX/year>. 
I do not accept text notifications ; thus a fraud notification was not sent.

Card was locked shortly after the fraud.

I called the toll-free number listed on the back of the card. 
I was unable to access the IVR because the card was locked ; I was auto-transferred to the fraud dept. IVR.

The fraud dept. IVR would not verify me and would not allow me to request a representative for help.

The fraud dept. IVR eventually timed out with the message to dial ( the same number ). 

I was only able to speak with a Credit Card rep by begging my Credit Union to use their direct line and conference me into the call.

The fraud was resolved, but there is no acknowledgement that the system has a flaw. And they are not taking any action to resolve and ensure I can speak directly to them when/if there is fraud on my card.
Product: Debt collection

I received a call from this company last week, after a long conversation they pushed me into agreeing with a payment option. 

I spoke with legal council, and was advised against making any payment. 

I told them to cancel the payment, they berated me on the phone, told me they wouldn't stop, I demanded all future correspondence be via email ( having not received a single email from them in our 10 days of communication ), they told me they wouldn't respect this request. I was forced to have my bank intervene. 

I've attached a picture of the email I submitted yesterday after the cancel payment attempt call, to the email address provided by the representative XXXX XXXX, XXXX XXXX is the alleged account manager in charge of my record. 

Today, they called me, and called my place of business speaking to the owner of my company and employer. 
To summarize from the previous selection options for complaints : Communications Tactics - They used abusive language along with manipulation tactics to try and sway the conversation in their favor. They repeatedly refused to answer questions without deflecting. 

Written Notification About Debt - I haven't received a single piece of written correspondence as of writing this complaint. I haven't received an invoice, a breakdown of debt owed, nothing. Furthermore, they refuse to use written communication saying " we don't do that here '' and " that's not how we do things '' - per their representative, XXXX XXXX. 

False Statements or Representation - After reviewing the lease they they are referencing, I believe the amount they're asking for is double the amount owed. I can't verify that, as I've received no information detailing debt owed other than a total dollar figure. 

Threatening to Contact Someone or Share Information Improperly - After being notified not to call about this debt, they chose to call my employer, and myself. 

In addition, I had legal representation send a letter to that above email address days ago. I don't believe they ever replied to him, opting to contact me. 

I'm worried they will continue reaching out to friends, colleagues, family, possibly even clients regarding this. They need to stop.
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. 

GLOBAL SOLUTION BIZ LL account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting inaccurate information on a XXXX XXXX proof of the incorrect information attached as exhibit A
Product: Checking or savings account

Fraudulent charging activity on my checking account with XXXX XXXX as the recipient. Total of {$3600.00} in XXXX charges. Total of {$1800.00} was refunded by my bank ( Citibank ), but the balance could not be refunded due to remaining charges more than 6 months old. 

Contacted XXXX 5 times on the phone to have the remaining charges reversed. They had promised on the phone to reverse, but then did not and later refused to reverse the charges. 

Outside of XXXX, {$500.00} in charges fraudulent charges remain that are over 6 months old XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Do to my understanding bank of America stolen my personal information to uptain funds from debt settlement from company due to my identity was stolen they changed the personal information on these savings bonds someone redeem my assets with out my permission fraudulent activity happened with bank of America I requested a full disclosure an investigation contain my personal information who responsible for identity theft my personal information was exposed in the data breach I am victim of identity theft
Product: Debt collection

XXXX XXXX came stopped me from buying my home I need this off I have never done business with them. I have sent countless letters to them asking to prove to me it's my debt by showing me a signature and haven't received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello all I am having an issue with the 3 credit bureaus. First and foremost theyre showing multiple accounts on my credit report that were included in bankruptcy as derogatory accounts with balances! This is incorrect reporting on my consumer reports! They say that creditors came back and verified this information as accurate, how could that be if it was discharged in my bankruptcy? It should show discharged with a {$0.00} balance! The refusal of updating the information is a violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on these debts. The negative remarks is causing my credit to remain stagnant. This is a violation of my consumer rights, and it is against the law to report such information on my credit report. I have tried to fix this issue with each bureau, however, they have refused to correct this information. Also, how can something go from reporting as ok to an automatic charge-off because bankruptcy was filed? This is against the law and is being reported inaccurately. Also theyre reporting my student loans as being 90 days late, however, I was never late! I was never XXXX nor 60 days for entries to be marked on my credit report as 90 days late only. This is incorrect reporting and is also against the law. Theyre also reporting my bankruptcy incorrectly, each bureau has a different filing date as well as a different discharge date, per the FCRA this is incorrect reporting as each bureau must report IDENTICAL INFORMATION in which theyre not doing and this is a violation of the FCRA!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit report and noticed inaccurate information and contacted Experian to update and correct my person information. After speaking with 2 representatives I was told that they could not remove any addresses and a wrong name from my credit report. I have never lived at the addresses that is reporting on my credit report. The addresses are showing three different states that Im not affiliated with nor have no knowledge of. I would like for these addresses and name to be deleted and removed immediately. 
Please delete to following addresses and name from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX, LA XXXX
Product: Checking or savings account

On XX/XX/year>, around XXXX AM, I opened a checking account with Citi Banking, linking it to my XXXX existing Citi credit card accounts. As part of the requirements, I funded the account with {$25.00} from my XXXX account through connected banking without any problems. I then accepted a XXXX transfer of {$500.00}, which seemed to go through smoothly until I was suddenly logged out of my account and unable to log back in. 

Since then, I have made XXXX calls to Citi, experiencing multiple transfers between departments without any resolution. On XX/XX/XXXX, I spoke with XXXX in online banking tech support. She informed me that I couldn't log into my account with my current credentials until I received my debit card and reset my password using the card number. She expedited the card to my current mailing address, which she confirmed over the phone & matched the information on my account. Though I found this process odd, I decided to wait for the debit card. 

On XX/XX/XXXX, I received an email confirming that my debit card had been mailed to my previous address. On XX/XX/XXXX, I called online banking tech support again and spoke with XXXX. He asked for my security word, and when I provided it, he claimed it was incorrect and could not assist me, even though it was the same word I used XXXX days prior. He requested a call back from a supervisor within XXXX hours and transferred me to XXXX in customer service. XXXX asked for my account or debit card number, but I couldn't provide it since I couldn't log in or receive the debit card. She suggested I call the department handling new bank accounts. 

Later, I received a call from XXXX, the supervisor, who advised calling the customer service line for my credit card, getting verified, and then asking to be transferred back to banking. I followed these steps and spoke with XXXX in banking services, who repeated the same information. She transferred me to her supervisor, XXXX, who also said she couldn't verify me. XXXX 's only solution was to visit a physical branch, which isn't an option in my city.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after receiving a prepproval from a company by the name of innovative funding services, they then ran my credit without my permission twice. With two different inquiries now populating on my report. Then, only to email me and deny me approval. I stated that the inquiries were made without consent to miss XXXX XXXX, finance advisor with the direct line of XXXX and yet they remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax about an Inquiry on my account from XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX and they wont remove these fraudulent things from my credit report. I had to even go as far as to FIle an FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time Experian has failed to temporarily lift my credit freeze when requested ( using the website 's online form an PIN number ). 

Today at XXXX I used the experian website to temporairly lift my freeze starting immediately today XXXX XX/XX/2020 ). 

I tried to apply for a small loan that uses Experian ; they said that the freeze was still active. I tried again 4 hours after requesting the freeze lift, but the freeze was still in place. 

I called Experian and the automated phone system says that I still have the freeze in place even though I made the request to lift 4 hours ago. 

I tried to re-request a freeze lift with the phone system and it says I need to write them a letter to lift the freeze. 

A similar thing happened in XXXX : refinance interest rates were lowered, so I lifted the temporary freeze, but Experian took 24 hours to lift it. As a result I could not take advantage of the lower interest rates. 

Experian, like the other unethical credit bureaus that make money by collecting and selling our personal information, is required by law to lift security freezes within 1 hour when requested online or by phone. Experian simply refuses to follow the law. 

Where can I get recourse? How is this 1 hour law enforced? Do I need to sue Experian since they aren't following the law or is there a system in place to fine them for refusal to comply?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting the bureaus and XXXX XXXX because they have been reporting a car that i do not own on my credit reports. I have disputed this unverifiable debt. They have NOTHING with MY signature on it to verify this account is mine. They ca NOT verify this account and needs to be DELETED from my credit bureaus. The credit bueraus are simply updating the information and NOT deleting this account from my report. They have sent me no proof of verification which i am entitled to. they are NOT disputing properly.
Product: Checking or savings account

Unauthorized withdrawals of over {$30000.00}. XXXX XXXX XXXX was notified, but nothing was done to resolve issue from XX/XX/XXXX to XX/XX/XXXX. A XXXX County Sheriff 's, XXXX, IL, report was filed, XX/XX/XXXX. It was determined that I was a victim of Identity Theft after a second Bank Account, MB Financial was also breached and over {$30000.00} of unauthorized withdrawals happened again in XXXX. Another XXXX County Sheriff 's Report was filed XX/XX/XXXX, and XXXX XXXX, XXXX County Sheriff Investigator is currently investigating along with XXXX County Sheriff as of XX/XX/XXXX. 
XXXX XXXX XXXX, XXXX, IL was notified repeatedly and instead of correcting the situation, they asked that I not come back to the bank. So after Depositing approximately {$61000.00} in XX/XX/XXXX after selling my condo, Mb Financial closed my bank account in XX/XX/XXXX and handed me {$660.00}.