23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite my previous disputes, the creditor continues to knowingly and willingly report false information, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Here is the breakdown of the discrepancies : Experian : Shows XXXX late payments ; XXXX for 30 days another for 60 days. XXXX : Shows XXXX 30-day late payment. XXXX : Shows XXXX late payments ; XXXX for 30 days another for 60 days. This inconsistent reporting not only demonstrates a lack of compliance but also indicates intentional misconduct. Furthermore, there should not be any late payments associated with this account. The creditors deliberate actions are causing undue harm to my credit profile and financial well-being, as this inaccurate reporting has adversely impacted my credit score and my ability to secure financial opportunities. Under 15 U.S. Code 1681s-2, creditors are obligated to report accurate and consistent information to credit reporting agencies. The continued failure to do so, despite prior disputes, is not only negligent but also a willful violation of federal law. All three credit bureaus are reporting different information and according to 15 U.S. Code 1681e - Compliance procedures, " 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. '' This is a direct violation and furthermore proves that there was no investigation to provide proper verification. The same information should be reported across all three credit reporting agencies.
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 USC 1681. 

Account Name : XXXX  XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX Account Name : XXXX and list of Inquiries 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 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: Money transfer, virtual currency, or money service

I was depositing my XXXX  to cash app and cash app randomly closed my account now my XXXX says pending while my account is closed. They're not giving it back
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows an account that does not belong to me, original creditor was XXXX, and the reporting agency is XXXX XXXX XXXX. 
I have submited disputes to XXXX and they deleted the account after months of letters and calls. I even submited a letter from the collection agency which states they would not report on my credit report. 
Yet, the account is there again, and XXXX has removed my ability from disputing online. 
I am under the understanding that once an account is removed i should have been notified if it would be reinserted on my credit within 5 days, yet none of that happened. 
as a result of that account showing on my credit report, XXXX XXXX XXXX decided to close my credit card which was on perfect standing. affecting my credit even more
Product: Credit card or prepaid card

I was notified by Bank of America on XX/XX/2021 that may email change needed to be confirmed. I have never had an account with Bank of America. I tried to call, but since I did not have an account number I could not access their voice system. 

One XX/XX/2021 I received an email from USPS notifying me of a change of address from my home of 20+ years to a new address. I did not submit this request. On XX/XX/2021 I received a paper notification from USPS. One XX/XX/2021 I went to the post office to find out how to correct this. In the process I learned that someone requested my address be changed to XXXX XXXX XXXX in XXXX, VA XXXX. I reported this with the US Postal Inspection Service. Service Request # XXXX. 

On XX/XX/2021 I received via USPS a credit card from Bank of America with a cash withdrawal limit of {$16000.00}. I NEVER opened this account. I contacted Bank of America at XXXX. XXXX in Fraud closed the account and asked me to destroy the card. He said he would request the original application for credit card but this could take up to 10 days. 

I then checked with the credit reporting agencies. I have freezes on all my credit as I was notified over the past several years of data breaches. It seems XXXX received the credit inquiry. I have requested a Fraud Alert from all 3 credit report bureaus. I would like to request a 7-year Fraud Alert but they need some kind of documentation stating I was a victim of identity theft. I have tried to speak with someone at XXXX by phone but their telephone system does not allow this. 

I also contacted the police in XXXX, VA notifying them of the address. I was told by Officer XXXX on XX/XX/2021 that she would take my information but the best course of action was through US Postal Inspection Service as this is a federal crime. 

I also contacted the owner of the apartment at XXXX XXXX XXXX in XXXX, VA. They got me in contact with the property manager. I spoke with her by phone on XX/XX/2021 notifying her that she has a potential federal criminal at this address ( XXXX XXXX, Regional Manager | XXXX XXXX | XXXX XXXX XXXX | XXXX XXXX | XXXX | Virginia | XXXX | ( o ) XXXX x XXXX | ( f ) XXXX ). 

Property Owner of Street Address:XXXX XXXX XXXX XXXX XXXX VA XXXX Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mailing Address:XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WASHINGTON, DC  XXXX Subdivision Name : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance Owed : {$140.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

EXERCISING THE RIGHT TO OPT OUT FROM FIRST PROGRESS - 15USC 6802 Obligations with respect to disclosures of personal information. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

16 CFR 313.1 Purpose and scope. Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Require
s a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.

( F ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Debt collection

For some reason ERC has not sent me proof of my obligation of this alleged debt as requested and continues to report this trade-line to the major credit bureaus. This is creating serious issues for me such as higher interest rates, lower credit scores, job declines, and application rejects for outstanding balances owed. 

I disputed this account directly with ERC on XXXX XXXX, 2017. To date, ERC continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to validate this account. The FDCPA states they must cease collection activity until they have produced validation of the alleged debt, that includes furnishing and verifying information on my credit reports. I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unvalidated accounts must be deleted. 

Who validated this account? What documents did they use to validate? Where are the documents used to validate? 

I never received correspondence from ERC. This company is in violation for continuing to validate the account with the credit bureaus without providing the evidence as requested. It is my contention that ERC know they can not tie me to this alleged account, otherwise, they would have done so when I made my initial request. ERC is blatantly disregarding the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I checked my credit report and it shows 3 accounts in collections from a agency MCA ( XXXX XXXX original creditor ) This is not me its is my dad 's accounts. I'm XXXX he is XXXX. Went i called MCA to tell them this they hung up on me twice and said " maybe your dad should just pay his bills then ''
Product: Debt collection

Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. 
Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.
Product: Credit reporting or other personal consumer reports

ACIMA DIGITAL FKA SIMPLE ( Account No. XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information ACIMA DIGITAL FKA SIMPLE Dear Sir or Madam, Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am formally requesting an immediate investigation into the information reported on my credit file regarding ACIMA DIGITAL FKA SIMPLE ( Account No. XXXX ). 

This account is being reported as Charged Off with a balance of {$2500.00} and an original balance of {$2100.00}. Under the FCRA, XXXX is required to ensure that all reported information is accurate, verifiable, and fair. 

I demand that you verify the accuracy of this account and provide clear and verifiable documentation that proves its legitimacy, including the original signed contract and a detailed payment history. If you can not provide concrete proof within 30 days, as required by law, I request the immediate removal of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about the items needing to be removed from my credit report, and yet no changes were made, and it keeps appearing in my credit report despite being fraudulent. 

I want the following items removed from my file immediately : XXXXXXXX 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
Product: Debt collection

I've received several email Alerts as early as XXXX. and as late as XXXX from Foursight Capitol in reference to payments and I've been advised and shown evidence that this is a violation of the FDCPA rules with fines starting at {$1000.00} per fine and so far I have evidence of at least 7 violations and counting!
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian hundreds of times over several months and Experian continues to display inaccuracies on my credit report. I consolidated my student loans under a new loan. I told Experian the XXXX accounts were closed. Experian insulted me when I called and refused to remove the inaccuracies even though all 10 XXXX loans are closed. Experian denied me the right to dispute inaccuracies on my credit file without mailing me a letter stating my disputes are " Frivolous ''. That is a violation of the FCRA. I stated to Experian that they were violating FCRA and they just hung up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

Equifax as well as XXXX both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/XXXX. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.
Product: Debt collection

A lady called asking for my address to serve me court papers. She gave me a number to call. When I called the number XXXX, a man answered and said I owe XXXX dollars in debt from us bank. He then ask for the last 4 of my social security, which he already knew... When I called the original lady back the number was no longer in service.
Product: Credit card or prepaid card

In XX/XX/2019, I received a Barclays AAdvantage Aviator Red Mastercard in the mail. Upon opening and reading the associated terms and conditions, I saw that there was an annual fee of {$95.00} that I was responsible for paying to use the card and account. 

In that same month and for months after on four separate occasions, I have contacted card services at XXXX to close this account. I never activated this Mastercard and have tried to close the account several times only to keep receiving statements to pay the {$95.00} annual fee as a balance. Most recently, on the date of XXXX XXXX, 2019, I was sent a letter from Barclays notifying me that my account was closed on XXXX XXXX, 2019, but that as of XXXX XXXX, 2019 there was a transaction balance of {$95.00}. XXXX in purchases even though the account was closed and the XXXX was never activated, nor had any purchases associated with it. Moreover, I believe that there may be some unethical practices used by Barclays to list this fee as a purchases balance therefore subjecting the balance to interest and late charges even though once again the card was never activated or used for purchases, and immediate actions were made to close the account by me. 

According to the Fair Credit Billing Act, I've formally disputed this with a written letter to Barclay 's using certified mail, and included all letters and statements sent. The letter was delivered on XXXX XXXX, 2019 and they wrote a response on XXXX XX/XX/XXXX which leads me to believe it was never investigated. All correspondence mentioned is provided as attachments.
Product: Credit reporting

I disputed with Experian multiple times concerning the false public records being reported to my credit history. I explained that the public records are identity theft and filed a police report and Id Theft Affidavit. I called Experian and they said that because it is a matter of public record they cant do anything to rectify the situation. Experian Also explained that I was to take my actions to the XXXX Bankruptcy court and ask them to remove these Bankruptcy filings and unauthorized inquiries from my credit history. 

It is my hope to get this Identity Theft issue resolved once and for all but to this day I am still receiving unwanted unauthorized inquiries on my credit report. I have never been in a bankruptcy and I have never filed bankruptcy ever ; I would like to get these public records deleted from my credit history so they stop causing me hardship. 

Experian states that these bankruptcy remarks are a matter of public record and can not be removed unless through the data furnisher itself. Which is why I went to the XXXX Bankruptcy court and obtained a copy of the bankruptcy filings. That is when I noticed that the bankruptcy filings Experian is now reporting on my credit file contain inaccurate information that is clearly not me. My name was spelled wrong on both bankruptcy filings and the social security number is not even valid. It is clear to me that I am a victim of an impostor playing harsh pranks on me and that Experian is reporting false public records of someone else who did a bankruptcy filing. 

The bankruptcy court will not allow for me to remove these public records stating that I must first verify the identity of the person on the filing. This is impossible because my name is not the person on the filing so can not be verified for the XXXX Bankruptcy Court to expunge from the records. 

As you can see no matter which way I turn for help to remove the Bankrupcy Public filings they are still being reported. Experian reports false information that I am unable to remove from the bankruptcy court records. 

I am not sure why removing the false records would cause anyone harm because the bankruptcy items being reported were dismissed bankruptcy filings that never went to fruition. The only person receiving grief from the incident is me as I would be rejected from additional credit providers due to having filed bankruptcy. Creditors do not care that it was dismissed they only care it was filed and reject my credit applications instantly for that fact alone. This information is damaging me and must be rectified somehow. 
The accounts that should have been deleted and/or removed from Experian are as follows : ID Number : - XXXX BANKRUPTCY COURT/UTAH XXXX US BANKRUPTCY COURT/UTAH XXXX Unauthorized/fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TECHNOLOGIES
Product: Mortgage

I have XXXX mortgage with OCWEN loan servicing company and they are now reporting to credit bureau that I am past due when they are canceled my auto payment options. However I been calling them since XX/XX/XXXX to ask what other options were for me. They told me to let it mature and then I can apply for the modification. So, I contacted them on XX/XX/2015 few days before the mature date to ask if there are any other option. They told me to wait until it matures ( XXXX/XXXX/2015 ) then submit a modification request. So I did and they said it 's been denied because it a XXXX mortgage. Ever since last year they are calling me to refinance which I could have done if they did not give me the wrong information. Now since they are reporting the account as past due which impacted my credit scores to drop from XXXX to XXXX. There is no lender who will refinance for me.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXXXXXX 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

I had hospital visits in 2010. I provided insurance information and went on with my life. Now, over 6 years later, I receive a collection and indications that the bill was never even submitted to my insurance. I provided this in good faith. I NEVER heard a thing about any of these bills. Now, after the time for submission has passed years ago, I receive a brand new collection bill.
Product: Debt collection

I was not legally made aware that debt owed to XXXX XXXX XXXX was sent to collections. Today, XX/XX/XXXX I was made aware that a demand letter was mailed on XX/XX/XXXX, however I did not receive any prior written communication regarding a demand letter. No certified proof of mailing was able to be provided by the company. 

The company has previously filed a lawsuit against XXXX XXXX for a debt notice that has no proof of certified mailing for any notification. 

On XX/XX/XXXX, a summons was attempted, however was not successful. On XX/XX/XXXX, a summons was attempted but not successful. 

Today, XX/XX/XXXX I spoke to XXXX XXXX and I was told that a new suit would be filed when I stated that I have consumer right to be notified regarding debt and I did not receive a demand letter on XX/XX/XXXX and the company was unable to provide proof certified mail. 

I requested that attorney fees be removed from the account balance and any court costs associated with the balance because I never received any written communication from the company to efficiently and effectively dispute the debt. 

At this time XXXX XXXX is providing GAP insurance coverage and XXXX XXXX XXXX has not provided the necessary documentation to validate the due date change for the 1st payment due on the account ( loan due date correction letter ), and the 2nd payment due on the account ( loan extension modification letter 60 payments changed to 61 payments ). 

XXXX XXXX is unable to pay further on the loan without two letters clarifying that the 1st payment on the account was legally changed, and that the 2nd payment on the account was extended.
Product: Debt collection

On XXXX of 2024 I was sent a debt collection notice for a debt not mine that was charged off it was paid by the collection company who bought it it contains someone else information I sent multiple certified letters asking for proof it was mine and they failed to do so resurgent lvnv XXXX XXXX