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

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX , DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccuracies on my report that need to be deleted
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried resolving this issue with XXXX and TransUnion to consistently receive the same frivolous response. I have also contacted the creditor ( s ) : XXXX XXXX and XXXX XXXX of these fraudulent accounts that reflect my credit report. I have not received any response from either company.
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX ACCT # XXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with Transunion XXXX and XXXX, and they have not responded either, Well, TransUnion said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.
Product: Debt collection

i provided a ftc report to show items were not mine. they removed some not all items and did not updated addresses remove old addresses and names. his is affecting me and my livelihood. i need something done now
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Product: Mortgage

I started the process of refinancing my home with TD Bank on XXXX XXXX, 2016. Due to no fault of my own, my scheduled closing has been delayed three ( 3 ) times. The following timeline will explain my disappointment with TD Bank and the need for an immediate resolution. 

XXXX XXXX - Received a generated email from XXXX XXXX ( TD Bank Processor ) stating I was conditionally approved for my refinance. 

XXXX XXXX - I left a voicemail with XXXX XXXX asking for a return call. I received no return call. 

XXXX XXXX - I received another email from XXXX XXXX requesting additional documents. My tentative closing was set for XXXX XXXX, 2016 and the rate lock confirmation set through XXXX XXXX, 2016. 

XXXX XXXX - I sent a follow up email restating the same questions I had regarding my documentation from XXXX XXXX, 2016. As of this day there has still been no verbal communication with XXXX XXXX. 

XXXX XXXX - I had my first conversation with XXXX XXXX nine ( 9 ) days after my initial voicemail. 

XXXX XXXX - I submitted all requested forms to close my refinancing. 

XXXX XXXX - I received an email from XXXX XXXX stating the TD XXXX team needs more information from my HOA. I talked to my HOA representative that day and was informed that she had made several attempts prior to XXXX XXXX, 2016 to contact XXXX XXXX based on the request XXXX XXXX sent to her. XXXX XXXX never responded to my HOA representative. Therefore, I had to take time off from work to initiate a teleconference between my HOA representative and XXXX XXXX to resolve any questions XXXX XXXX had. I later received an email that day from XXXX XXXX stating she had all the necessary information needed from my HOA representative to report back to the TD XXXX team. 

XXXX XXXX - I emailed XXXX XXXX asking what time my closing is set for on XXXX XXXX because I have received no update from her. 

XXXX XXXX - XXXX XXXX responded to my XXXX XXXX, 2016, email repeating the same exact questions that were addressed and resolved by my HOA representative from XXXX XXXX, 2016. My thoughts : Why is XXXX XXXX asking the same questions that were resolved six ( 6 ) days ago with my HOA representative. This in itself delayed the entire closing process unnecessarily and shows her incompetence. In this same email from XXXX XXXX tells me my closing date has been pushed back to XXXX XXXX, 2016. 

XXXX XXXX - I requested for the second time what is the status of my closing. She did not respond. Later that day, I sent a separate email attaching my Payoff Letter from my current lender in which she responded, " Thank you but usually I ask the title company to get this so the borrower does n't have to ''. Which leads me to believe that she completely disregarded my email from earlier in the day. 

As of XXXX XXXX 2016, TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me.
Product: Debt collection

I was contacted by XXXX XXXX debt collectors multiple time via phone and text message. On XXXX XXXX Ive sent a letter Ive disputed these accounts multiple of times Ive send a debt validation letter asking for proof XXXX XXXX XXXX  to this alleged debt. Ive never received any proof Ive never seen any contracts with my signatures. Ive stated to them I am a victim of identity theft. I provided FTC reports and police report was provided to the credit bureaus. There is allegedly XXXX accounts with this debt collector Account # XXXX {$920.00} Account # XXXX {$750.00} I will be Attaching a copy of the letter I sent to the debt collector, my FTC report , police report and also proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed my delinquent account with MCM ( Midland Credit Management XXXX collection agency. 

Midland Credit Management keeps reporting my account as delinquent every 7 days on all 3 credit bureaus. I have disputed this repeatedly and they are still reporting the account as delinquent every 7 days. I do understand that my account is delinquent and the account will be satisfied. 

Midland Credit Management is violating my rights under the FCRA by reporting the account delinquent every 7 days instead of every 30 days as a collection account. 

Midland Credit Reporting Dates to all 3 bureaus : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX
Product: Debt collection

Debt is ineligible for collection. Debt never paid and is noted as going into default on XXXX. Statue of Limitations in CA has run as well as 7 limit on credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Equifax credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 602a Section 2 states a consumer reporting agency can not furnish an account without my written permission 15 USC 1681a also requires such reporting agencies to be 100 % correct in there reporting. In have requested written documentation from your agency and the data furnisher 's you use. The data furnisher 's have related they have no such accounts on my record so I am requesting the written information from your agency : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$32000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX # XXXX {$620.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Bureau ( s ) has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information that was reported to my credit file held with Bureau ( s ). These accounts were opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the accounts via FCRA Section 605b . They have failed to block the accounts, additionally, they have failed to provide me with any legal contract to reflect I was the one who opened the accounts. I need the following accounts removed from my report ASAP. Here are the names of the data furnishers & the account 's Collection : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6600.00} Late Close : XXXX XXXX XXXX Inquiry XXXX Date of Inquiry XXXX/XXXX/202
Product: Debt collection

When we bought our home in XX/XX/1975 the lawyer who filed the deed entered my husband 's name with the wrong middle initial. Several years after that we started receiving calls to say a debt collection company was trying to contact a person with my husband 's name but the incorrect middle initial listed on the deed. We repeatedly told them this was not my husband but the calls continued ~every week or two. For several years the calls stopped. Within the past year we have started getting robo calls from a debt collection company. A young sounding woman 's voice says the call is from TransWorld company. She identifies herself as XXXX. She says the call concerns a debt that needs to be resolved. She requests a call back at XXXX. She mentions the case number XXXX. 
On average we get 1-3 calls a week. 
We owe no debts other than loans through XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REGIONAL FINANCE # XXXX Between the report I received in XX/XX/XXXX and the report from XX/XX/XXXX, this company has changed the dates of the last payment and the first date of delinquency. This greatly manipulates the statute of limitations. 

XXXX Between my report from XX/XX/XXXX and XX/XX/XXXX this account is reporting different major delinquency dates with no account history. They are reporting a closed date of XX/XX/XXXX with XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

XXXX This account is reporting XXXX different major delinquency dates between my XX/XX/XXXX and XX/XX/XXXX reports. They are reporting to XXXX a charge off date of XX/XX/XXXX. The reporting is inconsistent and falsely manipulates the statute of limitations. 

I submitted a request for verification in XXXX and a dispute in XX/XX/XXXX. These companies have been allowed to simply update/change inaccurate information instead of being removed from my report.
Product: Debt collection

In XXXX of 2014 I purchased a used vehicle from XXXX XXXX here in XXXX and was promised verbally that they would take care of the issues I brought to their attention before I signed for the vehicle, they never took care of the items which totaled in excess of XXXX. I stopped payment on my check in lieu of the repairs not being done and discussed this with the sales manager. I havent heard anything more of this until know and I asked for validation and informed them I disputed this and never was contacted again until now where the collection agency is making threats against me ( i.e., lawsuit, additional costs ) This is blatant misrepresentation under the FDCPA and needs to be stopped.
Product: Debt collection

Rushmore Loan Management Services ( will now abbreviate as RLMS ) is sending people onto my property to leave notices on my front door. I am the property owner. I do not currently, nor have I ever had any business or accounts with RLMS. No one currently living at my address has or has ever had any business or accounts with RLMS. I have contacted RLMS on three separate occasions to inform them of this. I have specifically notified RLMS that any future visit to my property is unwelcome and will be considered trespass. RLMS has visited my property no less than two more occasions since I have first notified them of this. On each subsequent visit I have again contacted RLMS to inform them that no one living at the address has any account or business with RLMS, I have requested that the visits cease, and I have informed them than any future visit will be considered trespass. I have video and physical evidence to substantiate the continued unwelcome visits.
Product: Credit reporting

I have requested my credit report several times from all XXXX major credit bureaus, however, I have only received responses XXXX Experian. I have sent in all required documentation at least 3 times but I have not received any response. I understand that I am entitled to receive at least XXXX free annual credit report and that I am also entitled to receive a credit report anytime I am declined for credit and also when I add a security alert to my credit report. I have cited all XXXX reasons to TransUnion and XXXX and I still have not received my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I just recently did another dispute, which Im uploading here. I want this account deleted from all XXXX major credit bureaus because this balance is incorrect due to fraudulent charges.
Product: Debt collection

the company XXXX tried to collect a debt that i never owed with then and the day opened was on XX/XX/2022 for a debt that was never owed and must be removed as soon as possible. been the second attend to remove this account with this company that never gave any response on the first attempt.
Product: Credit reporting or other personal consumer reports

The following account is not mine and is and did not have authorization to access my personal information XXXX XXXX Account Number : XXXX
Product: Debt collection

I SENT A CEASE AND DESIST TO MIDLAND CREDIT MANAGEMENT FOR XXXX ACCOUNTS THAT HAS BEEN FURNISHED TO MY CREDIT REPORTS. I ALSO REQUESTED THAT MILAND CREDIT MANAGEMENT PRODUCE TO ME MY WRITTEN EXPRESS CONSENT TO FURNISH THE ALLEGED ACCOUNTS OR PRODUCE TO ME THE EXPRESS CONSENT OF A COURT OF COMPETENT JURISDICTION TO FURNISH THESE ALLEGED ACCOUNTS. MIDLAND CREDIT MANAGEMENT DID NOT PROVIDE TO ME WHAT I REQUESTED AND KEPT THE TRADELINES ON MY CREDIT REPORTS WHICH IS AN INDIRECT FORM OF COMMUNICATION AND ALSO AN INDIRECT ATTEMPT TO COLLECT THE ALLEGED DEBT. I CALLED ON XX/XX/year> AND SPOKE TO XXXX XXXX, A CONVERSATION WHICH I HAVE A RECORDING OF, AND MY ARGUMENT WAS THAT MIDLAND CREDIT MANAGEMENT IS NOT IN COMPLIANCE WITH FEDERAL LAW SINCE IT HAS VIOLATED XXXX XXXX XXXX ( C ). I TOLD HIM IF THEY WERE UNABLE TO PROVIDE ME WHAT I REQUESTED AND SUPPRESS THE TRADELINES THEN THIS IS IDENTITY THEFT BECAUSE I HAVE NEVER DONE ANY BUSINESS WITH XXXX XXXX OR MIDLAND CREDIT MANAGEMENT. HE THEN TOLD TO ME TO SEND A FTC REPORT WHICH I DID ( I HAVE THIS RECORDED ). THESE ACCOUNTS ARE CAUSING GREAT HARM TO MY FAMILY AND I. I HAVE SEVERE XXXX AND ANXIETY DUE TO THESE ACCOUNTS THAT HAD BEEN UNLAWFULLY FURNISHED TO MY REPORTS.
Product: Credit card

Checked my credit report saw I was past due on a kohl account. Which I never opened. Called kohl customer service asked for what was due, past purchase, when the card was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. To remove personal information that I don't want and shouldn't be on my account. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. According to 15 USC 6802. Financial institution may not, directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information. The information on my credit profile has been giving me a hard time for so many years now it's been hurting ever aspect of my life. From high payments on accounts to credit card denies.
Product: Debt collection

I received a demand letter for a payment for a medial expense that I paid. I went into the portal, printed the documented payment and sent the payment information with a copy of the demand letter to the company. Months went by. I assumed all was taken care of until 8 days ago I was sent another letter which suggest that legal action could/would be taken. I called and was sent to someone other then the person on the letter. I was told to submit everything via email which I did as requested with an attachment of the paid invoice with a request that they confirm the receipt and the I told them if I did not hear from that the matter was cleared up I would file a complaint. 7 days later, I received a very odd phone call from them today, so I called back and was told about the dept and it needed to be paid. I was angered to say the least. I told him I sent documentation and he acted as if he received nothing. I pressed the issue and in a very unprofessional manner, XXXX hung up on me. This is the only recourse I have left.
Product: Student loan

I feel that they were targeting me for loans since I was XXXX and graduating high school. I was getting great loans through servicer XXXX from the start. Interest rates were very reasonable and had suggested that I accept my subsidized and I subsidized loans first. Because the fafsa loans were most likely not going to owe any interest until after I graduate or I would only have to pay low interest rates until I graduate and if I could they suggested that I pay principal on the interest bearing loans first. Whereas, Sallie Mae advised me to take an entire public loan with no chance at I subsidized loans and their interest rates were more than twice the rates at XXXX. And thats with my father and his credit score of XXXX at nearly 10 % it was a year before my mother realized we owed well over {$450.00} in interest alone. 
I want to move that loan to XXXX ASAP