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

Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 Equifax is 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 items 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. I need the account corrected as soon possible : XXXX XXXX XXXX
Product: Checking or savings account

It is inappropriate for TD to ask my husband and I to figure out what account number was used by XXXX XXXX XXXX XXXX XXXX the US Treasury XXXX XXXX XXXX and TD 's internal system it uses to deposit incoming amounts to TD customer accounts. TD seems to be indicating there was an " error '' having to do with our account number. Based on TD statements below, TD admitted that TD " received deposits from XXXX  XXXX, IRS TREAS XXXX and all sources. '' The range TD used to do research shows the difference of XXXX XXXX. XXXX Treasury and XXXX pay out refunds to XXXX Taxpayers in whole dollar amounts. Since you have a direct relationship through your system, why don't you contact XXXX XXXX XXXX and the XXXX XXXX XXXX Treasury XXXX to identify to you what was disbursed to our account number in XXXX? The second question you can ask your ally associates if they are misdirecting XXXX Citizen tax payers XXXX Treasury money and XXXX XXXX XXXX XXXX refunds into undisclosed TD accounts by disbursing amounts off by XXXX XXXX and using wrong names that are not traceable in our US Federal Governments Treasury Department system and XXXX XXXX XXXX XXXX XXXXXXXX XXXX Department Government system? As TD customers, it is TDs responsibility to disburse amounts received for our account and deposit immediately. 
TD XXXX XX/XX/XXXX. " TD Bank did receive tax refund deposits for customers from those senders in XXXX. When researching your previous complaint, we did an extensive search of our records for all direct deposits between the amounts of {$1800.00} and {$1800.00} and the amounts of {$5000.00} and {$5000.00} received from all sources from XX/XX/XXXX to XX/XX/XXXX. While we received deposits from NY XXXX and IRS TREAS XXXX for amounts within that range, none of the deposits match you or your husband 's names or account number '' TD Letter XX/XX/XXXX : " According to ACH regulations, a financial institution may rely solely on the account number for the posting of ACH transactions. Our system will attempt to post incoming transactions to the accounts provided, and if the account number is valid the transaction will post. If the account number is invalid, the transaction will be returned to the originating bank. If an incorrect account number was used to send the deposits, we will need the account number used or the ACH trace number assigned to the transaction by the sending bank to conduct additional research ''
Product: Debt or credit management

I started with debt relief company in XX/XX/2023. I was told a service fee and was lied too about what that was the service fee was XXXX dollars a month. Over the last year I was charged XXXX in service fees. The company became under a federal investigation and I stopped until I found out what was going on. Now I get no response from Northstar Legal Group or XXXX XXXX XXXX. Please advise what I should do. 

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

Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$5700.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was involved in an automobile accident and the vehicle was deemed a total loss. I filed a lawsuit and won the court case against the other party. The court determined that I was not at fault for the accident. Consequently, the insurance company paid the remaining balance due on the vehicle. ( I have attached a copy of the police report for reference. ) There is no outstanding balance due and therefore nothing to collect and/or chargeoff. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute and address concerns regarding the way my XXXX XXXX XXXX XXXX 's utilization for the card ending in XXXX is being reported on my credit reports. Additionally, I kindly request that my membership start date be accurately reflected, as it plays a crucial role in maintaining an accurate credit history. 


One of the key features that I deeply value about my XXXX XXXX is its absence of a traditional pre-set spending limit. This unique attribute provides me with significant flexibility, making it essential that credit reporting accurately represents this aspect. I kindly request that the reporting clearly showcase that my card operates without a predefined credit limit, as this is one of the distinct benefits of the XXXX XXXX. 


Furthermore, I've observed that my membership start date is not accurately recorded in my credit history. Having the correct date of when I became a member is essential for a precise representation of my credit journey. I kindly request that you verify and correct this date to accurately reflect the moment I joined as a member, as this will contribute to a more precise depiction of my credit history. 


While I understand that errors can occasionally occur, I emphasize the importance of prompt resolution and adherence to the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) and ( B ) [ 15 U.S.C. 1681i ]. The FCRA ensures that credit reporting agencies and creditors, such as XXXX XXXX, handle disputes with accuracy and fairness. I kindly request that this dispute be handled in full compliance with the FCRA, and I trust that any necessary adjustments will be made within the specified time frame. 

Wherefore, I also request that the necessary updates be made to my credit report with all major credit reporting agencies to ensure a comprehensive correction and accurate reporting. 


Thank you for dedicating the time to address my concerns. I genuinely value my relationship with XXXX XXXX and believe that through collaboration, we can successfully address these matters, resulting in an accurate and fair representation of my credit history and the unique features of my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

My doctor sent a collection notice for an unpaid bill to Remex : https : //www.remexinc.com/. The collection is for {$250.00} which is correct. When I logged in to Remex site ( https : //www.clientaccessweb.com/Remex/payments/Main/Accounts/ ) to make a payment, I see a balance of {$1200.00} ). When I click on the details I see that they are showing two accounts -- one that belongs to me and one that belongs to a complete stranger : XXXX XXXX. I complained to Remex ( XXXX XXXX ) and they said that they are looking into it but would not provide any details on what went wrong. I am afraid that my data is similarly showing up somewhere else. I think this company has a serious security issue and is exposing client data. Please investigate ASAP.
Product: Debt collection

The company name is XXXX XXXX XXXX, XXXX This company has harrassed me for over 2 years now, through repeated phone calls back to back, through the mail every month and even having the local Sherriff department come to my house 3 times. They have already started leaving voice messages on my son 's phone, and even after I block their number they will use a different number to get through to my phone.

When I was able to work full time I paid my bills on time, but when I got hurt on the job and was not able to return my bills have been piling up. When this company continued to harass me, the last visit that I got from the Sherriff office the officer advised me to just contact them and explain my situation. So I did and with me having XXXX and XXXX to which I take medication, I called XXXX XXXX. The guy over the phone told me that this debt was not going away and that I needed to set some type of payment arrangement up to avoid further court procedures. I explained that I only received Social Security XXXX and struggle to keep the rest of my bills paid. He took my prepaid debit card information and had me set up withdrawals from my Social Security XXXX check. 
After a few withdraws from my Social Security check, I had to stop the automatic withdrawals because it was either pay my electric, water, auto insurance, and other bills or do without these needed services. 
On my credit report, I noticed that not only is XXXX who is the original company that I owed the debt was impacting my credit and asking for payment. XXXX XXXX is also on my credit report with the same amount owing to them as well. Both XXXX and XXXX XXXX have put late payment status and amount still due on my credit reports. XXXX XXXX has continued to harass me since XX/XX/XXXX, through letters in the mail, and civil summons being served to me 3 times and repeated phone calls. 
On XX/XX/XXXX, I received another civil summons from XXXX XXXX, I called and spoke to a lady over the phone and she immediately tried to get me to give her all my personal information. I explained to her that if she could please note my account that I can not pay this debt because I only receive Social Security XXXX and that even though they continue to have the Sherriff come to my house, I still can not pay this debt. 

I have a long call list on my phone as well, but I don't know how to get this information to you. I will reach out to the prepaid debit card company for my history of transactions, that will show when XXXX XXXX started automatic withdrawals on my account and when I had it stopped.
Product: Debt collection

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 verify these accounts positively has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed, and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following accounts be verified or removed immediately : LVNV Funding LLC In addition, please remove all non-account holding inquiries older than 30 days and add a promotional suppression to my credit file. 
Under federal law, you have thirty ( 30 ) days to complete your reinvestigation? 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 fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I was struggling paying my mortgage. I couldnt find a job due to Covid-19. I applied for financial mortgage assistance with my mortgage company, PHH MORTGAGE CORPORATION. They approved six months of forbearance, but later that year they sent me a notice saying that my application was denied because I missed one payment during the trial period. I explained to PHH that my bank did not sent my auto-pay because PHH changed its name on XX/XX/XXXX from PHH MORTGAGE SERVICES TO PHH MORTGAGE CORPORATION . Phh did not accepted my explanation and demanded for the full balance due of {$8000.00}. 
On XX/XX/XXXX, I applied for a deferment of the XXXX balance on my home loan # XXXX and to consider that my finances have increased significantly compared to when we first applied for mortgage assistance at the beginningof the year XXXX. They denied my application due to missed payment On the trial period on XX/XX/XXXX, which is exactly the day the company changed its name. I applied again on XX/XX/XXXX and again on XX/XX/XXXX and my application was denied again for the same exact reason, saying I failed to make a payment during the trial period in the last 12 months. I call back and they told me to apply again in XX/XX/XXXX, which is out of the 12 months after the missed payment. So I did, but again it was denied with the same exact reason. I call back today and applied again for a loan modification. They offered me a payment plan of XXXX per month. I requests to do it for XXXX instead. They couldnt do it. So I applied for a loan modification and were asked to wait for 10 days for the writers to review and respond. 
Mind-time I have sent monthly payments, but they all have been returned demanding to pay the full amount owed, which now is a total of {$14000.00}. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$960.00} DEPTEDXXXX XXXX {$22000.00} XXXX   XXXX {$310.00} XXXX XXXX {$16000.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$280.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$210.00} XXXX XXXX {$1500.00} XXXX XXXX   XXXX {$120.00} XXXX XXXX XXXX {$700.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$17000.00}
Product: Debt collection

I received a bill from Commonwealth Financial Systems on XX/XX/2017. This letter was dated XX/XX/XXXX. I spoke with XXXX and explained to her that XXXX was an " umbrella name '' for every doctor, hospital, lab and clinic over a vast area of Texas. She did n't have the itemized information I needed, so Iasked her to please mail me a detailed bill so that I could verify it was mine and then I would pay the bill. She said it would just take a few days. A week later I 'm calling back. I checkcreditXXXX XXXX report and I have another bill from the same company for {$1000.00}. I spoke to XXXX and he said it shows that both of those statements are ready to be sent out but he did n't know what the status was on them. XXXX is horrible about selling debt to XXXX different agencies. At this time I can only assume that neither invoices are mine, and respectfully ask they be taken from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Theses are the accounts that is listed below are marked in accurate XXXX XXXX XXXX {$1100.00} XXXX XXXX {$1300.00} XXXX XXXX {$340.00} XXXX XXXXXXXX {$530.00} XXXXXXXX XXXX  XXXX {$96.00}
Product: Vehicle loan or lease

We purchased our XXXX XXXX XXXX new in XX/XX/XXXX. We financed through Hyundai Motor Finance. 

In XX/XX/XXXX we had vandalism on our car and was sent a check from our insurance written to both us and HMF. We contacted Hyundai and they told us we had different ways to handle that. 
1. Send the check to them, they would sign it and send it back to us to take to a repair shop.

2. Send the check to them, signed and they would arrange the repair 3. Send them the check signed, and they would apply it to the loan then we could pay for repairs out of pocket. The rep explained it would be just like a payment.

We chose # 3 as that would be the fastest way to get our car fixed with less back and forth. We signed the check, wrote a letter saying we wanted it applied to the loan. We didnt make our payment that month as we used that money to fix the car. 

Soon after we started getting calls from HMF stating that we were late on our payment and had penalties and negative credit reporting. We contacted HMF several times to get it resolved but no one could tell us what was going on. We asked several times to speak with management but never was returned any communication. 

Finally after almost 2 months we finally talked to a manger and they said that they would resolve the problem. They saw the payment but it was applied to the back end of the loan and not as a payment. He could fix that but we would have to dispute the negative credit reports and they would not fight it, that would be the only way to get the credit fixed. So we disputed it, and they did fight it. We still have it reporting negatively on our credit. 

Then at the end of XX/XX/XXXX our car was in an accident and totaled. Our insurance covered the worth, then our gap insurance would cover the remaining, until we received a letter from our insurance company stating that HMF reported we were missing a payment and they would not cover {$700.00} of our loan. We would need to pay that. 

It was our understanding that HMF corrected the missing payment and no longer showed that we were missing a payment. We contacted Hyundai and they stated they showed nothing about talking to a manager and there was nothing we could do. 

Now we have severely negative credit and collections due to an error on Hyundai Motor Finance. We can not get anyone to resolve it.
Product: Debt collection

Someone open and account on XX/XX/XXXX. 

Account name Jefferson Capital System Collection Amount XXXX My Identity has been stealing since XXXX I have reported this matter to the local police and I have a police report.
Product: Debt collection

date: XX/XX/2018
amount: $ XXXX
violation: 12 C.F.R part 1022 Subpart D
               Section 604 (g) 15 U.S.C. 1681b (g)
               section 609 (c)(1)
               section 604 (b) 15 U.S.C 1681 b(b)
Product: Debt collection

I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands? 

They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work. 

Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccuracy in my credit report, which I obtained on XX/XX/XXXX. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information, and I request that this error be investigated and corrected immediately. 
The disputed account is : Creditor Name : XXXX ( XXXX ) Account Number : XXXX Discrepancy Details : Upon reviewing my credit report, I found an inconsistency in the reporting of my payment history. 
XXXX. Incorrect Late Payments : My Experian report indicates XXXX late payments ( 30 days past due in XX/XX/XXXX and XX/XX/XXXX ). However, the historical account records show no payments past due in XXXX or XXXX. This contradicts the reported delinquencies and misrepresents my payment history. 
Request for Action : Under 15 U.S.C. 1681i ( a ) ( 1 ) of the FCRA, I request that Experian conduct a thorough investigation into this error and take the following corrective actions : Remove the incorrect XXXX late payments from my credit report. 
Provide me with a corrected copy of my credit report once the errors are resolved. 
I have attached copies of my credit report and supporting documentation to substantiate my claim. If this disputed information can not be verified within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 5 ), it must be removed from my credit report. 
Please send me a written confirmation once the corrections have been made. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was XXXXXXXX XXXX. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$0.00}