23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I, XXXX XXXX XXXX am submitting this complaint on my own behalf, again, after numerous attempts to resolve this. Please due not mark this as duplicate as I have no other channel to report this matter before pursuing legal counsel. Please accept this complaint. 


Facts : I have disputed these accounts through each credit bureau XXXX and XXXX and the company has retaliated by placing past due payments on my credit file for debts that I dispute and do not own. 

I demand this company stop reporting false information and harassing me to pay debts I do not owe. If I am not able to resolve this, I will need this escalated to someone who can help protect me. 

This is illegal and according to Midland Fundings legal record, this is common practice to coerce people into paying unvalidated debts. I will not be bullied by this company.
Product: Checking or savings account

XXXX XXXX offered a {$300.00} bonus for opening a new consumer checking account in a branch between XX/XX/2019 and XX/XX/2019. The two other requirements are 1 ) completing 2 or more direct deposit of {$2000.00} minimum in total within 60 days of opening account and 2 ) enroll in XXXX XXXX   online banking before XX/XX/2019. I did open the easy checking account on XX/XX/2019 in local branch using the promo code as advertised and enroll in online banking the same day. I've completed 3 direct deposits and the total amount is around {$2500.00} by XX/XX/2019. So clearly I already meet all the requirement. However, I haven't received the {$300.00} so far. I tried to contact the XXXX XXXX customer service but they sent me back and forth to various different departments and finally directed me to contact the local branch. But the local branch just said I need to contact the customer service to ask for the bonus. Now it goes to an endless loop and nobody in the XXXX   XXXX will help me solve that issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid it is not currently a charge off as they just reported again, I constantly dispute this and they just acknowledged it is paid but just reported its current status as a charge off which dropped my score another XXXX points. They conti ir ti falsely report this account, I will be getting a lawyer
Product: Debt collection

Demand for Immediate Remediation and Compensation for Consumer Rights Violations I am writing to you regarding serious violations of federal consumer protection laws by Genesis Financial Solutions, which have directly infringed upon my rights and negatively impacted my financial health. The specific statutes violated include : 1. 616. Civil Liability for Willful Noncompliance [ 15 U.S.C. 1681n ] 2. 617. Civil Liability for Negligent Noncompliance [ 15 U.S.C. 1681o ] 3. 618. Jurisdiction of Courts ; Limitation of Actions [ 15 U.S.C. 1681p ] These infringements have resulted in significant personal and financial detriment, necessitating prompt action and compensation from your end. Enclosed are detailed documents outlining each violation, supported by evidence illustrating the negative consequences on my credit score and overall financial situation. 

In light of these transgressions, an invoice is attached herewith, specifying the compensation owed due to the willful and negligent noncompliance by Genesis Financial Solutions. Payment of this invoice is required within 15 days from the date of receipt of this letter. Failure to fulfill this obligation will compel me to initiate legal action against Genesis Financial Solutions to recover the due amount, along with any additional damages, legal costs, and other applicable fees. 

This letter serves as a formal demand for immediate corrective measures and financial restitution for the harm caused by these legal violations. It is imperative that Genesis Financial Solutions take serious and immediate steps to address these issues to prevent further legal action. Your prompt and decisive resolution of this matter is highly anticipated and necessary. 

I look forward to your swift response, acknowledging receipt of this letter and confirming the settlement of the attached invoice. Should there be any queries or a need for further details, please do not hesitate to contact me directly at XXXX.
Product: Credit card

In XXXX I received a replacement Business Credit card for the one that was do to expire in XXXX 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the Bank of America web site anytime I login why is it necessary to take a hard hit on my credit score. I have mortgage with Bank of America and personal Credit card account. They have make it very difficult for me to want to do business with Bank of America
Product: Credit reporting or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( XXXX ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

Listed below are the Accounts that are being challenged : 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
Product: Debt collection

Commonwealth Financial Systems , Inc. has " Never '' called nor contacted me regarding a Hospital bill dated XX/XX/2012 until last month.. ( XX/XX/2018 ) I just received a bill this month from this company. XXXX XXXX Hospital is at " Fault '' and I have proof with having medical insurance at the time. I contacted them back in XX/XX/2012 with a Manager from XXXX. We did a conference and the Manager explain to the billing department that they use the wrong billing code and they have to resubmit the bill to the State of Maryland and not XXXX In my procession right now, I've a certificate of XXXX XXXX XXXX Coverage from XX/XX/2012 until Present from Maryland Department of Health.

Commonwealth Financial System also attack my credit file last month on XX/XX/2018 and my credit score went down 30 % on XXXX and XXXX. It had a Derogatory marks on both.

Furthermore, I only received a bill once in XX/XX/2012. This company never tried to call or mail me anything during XX/XX/2012 until XX/XX/2018.
Product: Credit reporting or other personal consumer reports

CFPB Complaint to Experian Subject : FCRA Violation & Inaccurate Address Reporting Linked to Fraudulent Activity Dear CFPB, I am writing to file a complaint against Experian for violating the Fair Credit Reporting Act ( FCRA ) and US 15 1681e Compliance Procedure regarding inaccurate address reporting linked to the name XXXX XXXX on my credit report. My legal name is XXXX XXXX XXXX, and this misspelled name is incorrectly tied to fraudulent accounts and addresses. 

In particular, Experian has associated this error with an account from XXXX. The Address ID connected to this issue is XXXX, and the report number is XXXX. I contacted Experian on XX/XX/year>, attempting to speak with a U.S.-based agent. I was transferred but was informed to call back during normal business hours despite calling at XXXX XXXX PST. 

I have previously disputed this address, along with a police report due to fraud. Experian, however, continues to mark the fraudulent address and accounts tied to it as verified, stating : " That reason can't be processed online. This Address was reported to Experian by XXXX. Please contact the company to verify that they have your correct address. '' I request that Experian immediately remove this fraudulent address and all related inaccuracies from my credit report and take corrective actions to comply with the FCRA and US 15 1681e. 

Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I did an internal transfer from my checking to my savings account on XX/XX/year>. The money debited my account but never credited to my savings account. Poof thin air. I have tried for nearly a week to fix and keep being told it will be there the next business day and nothing.
Product: Debt collection

Reliant Capital Solutions LLC has called me on multiple occasions. I have attempted to call back with no responses. This time, I picked up the phone. The man on the line, named XXXX, immediately asked me if I was my sister. I said no, who is this? And he immediately said is she around? I said no, who is calling? And he said well Ill try again later and hung up. I called back again and a woman informed me finally of WHAT the company even was and that they needed to discuss my SISTERS dept. According to the Fair Dept Collection Practices act, it is illegal to contact family members regarding an individuals dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

TD AUTO was out of COVID-19 relief compliance. They didn't comply to resolve my COVID-19 relief request in XXXX of payment extension, this issue was reported to the office of Attorney General whom contacted TD Auto, because XXXX XXXX XXXX was sued for taking advantage of consumers and so was TD Auto in XXXX Then TD AUTO turned around and sent my account to a collection agency. Our Lawyer wrote back to that collection agency that TD Auto was out of COVID-19 compliance and and the collection agency disappeared, then TD AUTO surprisingly started reporting monthly charged off ( CO ) on my credit report after their collection agency disappeared.This was brought to my attention by a car dealership and wanted us to contact TD of why CO was reported monthly instead of just once as a charge off notice. Kindly assist us to clarify from TD AUTO why they kept reporting " charge off - CO '' every month? I think this causes for a lawsuit against TD AUTO of malicious, intolerable, incongruous monthly illegal charge-off. Thanks. XXXX
Product: Debt collection

There is a collection opened on XX/XX/2016 fro XXXX dollars. 
I have no idea what that is ... .... but I do not want to be affected by that. 
I always pay my bills on time
Product: Credit card

Good day I opened a credit card with discover in 2017 and I would like to get it of my credit history, it should have been taken out ... I have since paid the card of but it still shows up and is affecting my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this listed Agency ask for proof of validation. It's been more than 30 days and no response. I have no knowledge as to why this company is appearing on my report. I have informed them they are reporting non accurate information that is very harmful and at this point offensive. 

Account Name : XXXX/XXXX  XXXX  Account Number : XXXX Account was opened : XX/XX/2020 Account Balance : {$620.00}
Product: Debt collection

I have no idea what this is and they have sent me junk mail for 2 years. I just got a subpoena for a court date in XXXX if I dont pay Portfolio Recovery for a debt I dont even know what it is. Ive never been a member of XXXX XXXX and they have been calling me 10+ times a day for 2 years its so annoying and for {$1700.00} that I dont even know what its for?! I have to mute my phone during the day because Im harassed by spam calls all the time and I have a serious job so I cant have these calls interrupting work or other important calls and meetings. Its disgusting the predatory tactics these people take.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX on XX/XX/22 to settle this account and was told that my credit report would be corrected if I paid the settlement amount which I did do ; however, XXXX did not keep their word and refused to make any changes to my credit report causing me great undue hardship!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lease a vehicle in XXXX of XXXX from Mercedes Financial Services. I never had any single late payment on this account. I have decided purchased this vehicle in XXXX of XXXX. After completely paying off this car loan it has started to report repossession on my credit report. I have contacted this creditor and they said it was reported by a system error and they will make a correction. 
It has been XXXX months after my last request and it has never been corrected. I have called them again and been told that because the account is already closed and they dont report it every month it can take a long time for an update. 
Also with this request I am sending you copy of the Payoff letter from MB Financial, Bill of Sale letter and Title Release letter. 
At the current moment I have this car at my possession which I am driving. 
Because their incorrect reporting my credit scores came down about 100 points. Right now I have to refinance my house but I am not able because my scores are suffering because of this issue.
Product: Debt collection

Since XX/XX/2016 XXXX XXXX XXXX XXXX XXXX along with their 3rd party  debt collector Aldrige and Pite, LLP have relentlessly attempted to foreclose on my property without the proper authority to do so. 

XXXX XXXX XXXX  XXXX has insisted for years that they are the mortgage servicer for my loan ; and that they work on behalf of XXXX XXXX XXXX XXXX XXXX  XXXX. Whom they purport to be the owner of the mortgage loan and property. Which is not true. 

I contacted the XXXX XXXX XXXX XXXX XXXX and they have told me on three different occasions that they do not own the loan or the property and NEVER HAVE owned the loan or the property. In the state of Georgia ONLY THE SECURED CREDITOR can foreclose on a property. 

XXXX XXXX XXXX XXXX XXXX has stated in several documents that they work for XXXX XXXX XXXX XXXX XXXX  XXXX and that their firm is the servicer on behalf of the owner of the loan/property ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX then hires Aldrige and Pite, LLP to foreclose on the loan. 

I have sent several emails and certified mailing packages to both firms showing that the XXXX XXXX XXXX XXXX XXXXXXXX states that they do not own the loan or the property. Instead of suspending the foreclosure sale to validate their claim Aldridge and Pite, LLP usually attempts to go forward with the foreclosure sale. 

Aldrige and Pite, LLP along with XXXX XXXX XXXX XXXX XXXX on several occasions has attempted to steal my property knowing that either entity works on behalf of the secured creditor and or parties with true interest in the loan or property. 

Aldridge and Pite, LLP have gone as far as submitting themselves into the record of the Bankruptcy Courts on behalf of the XXXX XXXX XXXX XXXX XXXXXXXX claiming to be/represent the XXXX XXXX XXXX XXXX XXXX as legal counsel to lift the stay of federal protection so they can steal my property without representing the true secured creditor. 

Both firms are violating Georgia 's Foreclosure statues as well as the FDCPA, Privacy Act, Bankruptcy Codes and basic Constitutional rights recognized by all courts of law. Their actions in my opinion are criminal. Theft by taking, false representation, misrepresentation and acting as legal council for an entity that does not have interest in the loan/property and the list goes on. 

This is insane. They are even attempting to foreclose once again during a Pandemic. Knowing that neither party truly represents the owner of the mortgage loan. At best this is evil as they are using a vulnerable time for most Americans as an attempt to weaken my ability to fight this WRONGFUL FORECLOSURE. 

In this complaint I would like a response from both parties explaining why they continue to foreclose knowing that both firms do not represent the true creditor. 

Please note all documents to substantiate all claims above are attached. 

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

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.
Product: Credit reporting or other personal consumer reports

previous requests were not fufilled by said company .... i am asking for accommodation for all late payments on my credit report by wells fargo according to 15 USC 1681s-2 ( f ) I am demanding wells fargo remove any late payment received during the covered period with proof of removal
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX late payment XXXX XXXX account Good afternoon and I hope all is well when you receive this email. I am writing to you in reference to an ongoing issue my husband and I have been dealing with, with XXXX XXXX. You see my husband is a XXXX XXXX % XXXX veteran who suffers from XXXX XXXX and a XXXX XXXX XXXX. I am his legal care taker and take care of all his finances as well. We have a XXXX XXXX account and over a year ago I had called the service dept to change the email from his to mine since we were set up for email statements. I had n't used the card for most of that year and did n't honk anything of it. I had used it back in XX/XX/XXXX I believe and was under the impression from your service dept that the email on file was mine from months prior contact with them. We get a phone call stating the payment is late, in which I had responded I had never gotten an email. They looked into it and said ny husbands email was on file. I know that it was overlooked on both sides and I should have followed up again when I initiated the original change. It slipped my mind and we were late. I asked if we could be forgiven for it and the customer service rep XXXX spoke to her manager and told us we would fine. That they reversed the late fee and that they would send an electronic notice to the credit agencies within 30 days. That was never done. I called today and spoke to a manager XXXX I believe, she told me nothing could be done because it was n't a banking issue. I expressed to her the issues and injuries my husband has and how it was supposed to be changed to my email address a year prior. She did n't want to hear it. I also told her XXXX made it clear that she got approval from a manager to  fix it. That it 's on recording and XXXX said " even if it is there is nothing they could do. '' Im asking if you can please help us fix this issue. It is negatively affecting our credit and we are trying to purchase a home through the VA. Is thee anything you can do to help us? We appreciate
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my Equifax Credit Report and I noticed there was a fraudulent account on my credit report. Please remove this account from my credit report because it is hurting my ability to obtain new credit.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute to address inaccuracies on my credit report. I am not working with any credit repair company ; my goal is simply to correct incorrect information. Below are the accounts I want investigated for violations under the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX ( Account Number : XXXX  ) This account has been inactive for approximately seven years but is still on my report. As per the FCRA, outdated accounts like this should be removed. Please ensure its immediate removal. 

XXXX XXXX ( Account Number : XXXX  ) This account is still inaccurately listed on my report despite being inactive and no longer relevant to me. Its continued presence violates the FCRAs requirement for accuracy. I request its removal immediately. 

XXXX XXXX  ( Account Number : XXXX ) This account is inaccurately labeled as a loan, but the arrangement aligns with a credit sale, not a lending agreement. Reporting misleading information is a violation of the FCRA. Please update or remove this item within the FCRAs required timeframe. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the 3rd or 4th time I've requested my unit # be added to my XXXX address. It just seems to be such a mind boggling puzzle for Equifax to do this right! Why is it complicated? Is it XXXX XXXX? NO! Is it rocket science? NO!!! They just don't want it to appear accurately. By them sending me their junk reports from their system they think that means something to me. It means NOTHING!!!! It's a lie but when I run my real credit that creditors see, IT'S STILL NOT CORRECT!!!!!