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

On XX/XX/XXXX I submitted disputes to XXXX, Experian, and XXXX. XXXX responded with stating an investigation was started but never followed up with the investigation results, no response from XXXX or Experian. On XX/XX/XXXX I  resubmitted disputes to all three agencies with the same response from XXXX   and a response this time from Experian saying that an investigation was started. This violates the FCRA in that the FCRA provides a 30 day window in with to respond to disputes. 

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or the accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer I request all disputed items be immediately removed from my credit reports. I intend to enforce my rights in court for damages resulting from your late of action ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I owned a rental property that was sold in XX/XX/2021. 
It was managed by a management company. 
The buyer, per our agreement, was to switch over utilities when they bought the property, I didn't immediately turn it off because people were living there. 
As you will see in the documents the buyer never switched over accounts on XX/XX/2021 and I continually got billed into XXXX. 
The management company which handled all the bills never notified me. 
So i never knew about any of the bills or anything until i checked my credit score and saw I owed {$9000.00}. 
Eventhough the bills didn't belong to me I paid off all of the bills and centerpoint whole.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Email : XXXX I DECLARE, under the penalty and perjury, the following is true and correct to the best of my knowledge. That EQUIFAX Data Breach has effected my financial health. 

File CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


EQUIFAX XXXX XXXX has monitarily has effected my financial health.
Product: Debt collection

I am writing to follow up on my previous complaint ( s ) against National Credit Systems ( XXXX  ) regarding their failure to provide proof that they own the alleged debt they are attempting to collect from me, as well as their violation of laws in reporting this debt to my credit report without proper validation. 
After submitting my initial complaint to the CFPB on XX/XX/year>2024 ( XXXX ), XXXX took the full 60 days to respond. However, their response did not resolve my issue. Instead of providing the necessary proof that they own the alleged debt and deleting the erroneous item from my credit reports, XXXX only provided a lease and a move-out statement. These documents do not constitute proof of debt ownership or validation as required by the Fair Debt Collection Practices Act ( FDCPA ). 

As outlined in the FDCPA, a debt collector must provide, upon request, validation of the debt, which includes : XXXX. Proof that the debt exists. 
XXXX. Evidence that the debt is legally owned by the debt collector. 

XXXXs failure to provide this validation remains a direct violation of the FDCPA. Furthermore, the lack of proper validation documentation raises serious concerns about the legitimacy of the debt they claim I owe. The only piece of communication I have received from XXXX is a single email on XX/XX/scrub> 2024 stating that I have failed to make arrangements for this alleged debt and it will soon report on my credit reports. XXXX has not properly notified me of this alleged debt, which is another violation of the FDCPA. 

On XX/XX/scrub> 2024, I dispatched a formal letter to National Credit Systems requesting legal documentation substantiating their ownership of the debt in question. Additionally, I requested that XXXX remove the item from my credit reports. Regrettably, XXXX has yet to furnish the requested information and has persisted in violating the law by failing to validate the alleged debt. 
Despite their non-compliance with my validation request and proper notification, XXXX has reported this alleged debt to the credit bureaus, negatively impacting my credit score and overall credit report. This action appears to be in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and substantiated debts can be reported to the credit bureaus. 

I am requesting that the CFPB re-investigate NCSs practices regarding : XXXX. Their failure to provide proof of debt ownership and validation as required by the FDCPA. 
XXXX. Their failure to properly notify me of the alleged debt. 
XXXX. Their reporting of unverified debt to the credit bureaus in potential violation of the FCRA. 
I kindly request that the CFPB assist in resolving this matter by ensuring that XXXX complies with federal regulations and that the erroneous information is removed from my credit report promptly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I originally obtained a loan through XXXX for a XXXX on my home. I went into collections and my loan was given to the law office of XXXX XX/XX/XXXX. I have been making payments to Farrell & Seldin for years and within the last few years, they changed to Fenton & McGarvey. XXXX was bought out by XXXX and I have been communicating with them but it is short as they tell me the law firm handles everything. My husbands name and mine are on the original loan with XXXX and XXXX however, only my name is on the loan with XXXX/XXXX XXXX XXXX. Every month we make a payment we ask for a breakdown of all that has been paid and all that has been charged along with details ... we still have not received this and the law office keeps telling me that my husband is not on the loan ... it is a second on our home, he has to be. On XX/XX/XXXX I had a detailed half an hour conversation with XXXX at the law office and I stated that it is my right to receive a complete breakdown of my payments and charges. I requested this again on XX/XX/XXXX ( when I made my payment ) and I still have not received what I have asked for. Each month, I get a verbal amount that is different than my calculations ( and I verified with XXXX that my payments are all going to principal ). XX/XX/XXXX, my husband was able to get a verbal figure from XXXX ( at the law office ) and at that time it was {$2800.00}. I make a XXXX dollar payment every month and have for years and as of my last payment, I still owed just under XXXX dollars ( XXXX ). I do not want to give them any more money until I have the complete history from them on my account.
Product: Student loan

Back on XX/XX/year> I filed CFPB complaint # XXXX about my XXXX Private Student Loans. 
I am writing this because after that complaint was filed & XXXX  investigation, XXXX  found that the XXXX XXXX Loans that I had with them were eligible for discharge. I received a letter stating XXXX  waived the remaining balance of both of my loans loan # XXXX and XXXX on XX/XX/scrub>XXXX XXXX XXXX  After this date, I contacted XXXX  Customer Service to inquire about a refund of what was paid and was told I was not eligible for a refund. Because these loans were eligible for discharge due to school misconduct, Id like to request a refund of the money I have paid to these loans. As stated in my original CFPB Complaint filed on XX/XX/scrub>XXXX XXXX XXXX XXXXt & the XXXX XXXX scammed me and other students into taking out predatory private loans to attend the for-profit school. XXXX  proceeding with the discharge proves they know of the misconduct. I am requesting a REFUND of ALL of the money including interest Ive paid XXXX for these loans. I have made payments totaling over {$30000.00} to these loans that were eligible for a school misconduct discharge The right thing to do is to refund this money. 

I have attached discharge letters for proof. 

Thank you for attention to this matter. 
XXXX XXXX XXXX ( My Married Name ) - My XXXX  Loans are listed under my Maiden Name - XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Account Name : XXXX  Account Number : XXXX  Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Legal Notice to TransUnion Credit Reporting Agency via email and incoming certified return receipt mail AFFIDAVIT OF TRUTH I, XXXX XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX swear upon the penalty of purjury that the forgoing information is true and correct. 

Pursuant UCC 1-308 .6 my right to seek Remedy and Recourse Pursuant Section 1681 ( o ) authorizes a consumer to recover actual damages including mental distress and humiliation even if the consumer has suffered no out of pocket losses Defamation of Character Faults and Misleadings Title 15 Sub Section 11 Violating my rights it is a crime to deny me the consumer to access my own credit.

UCC 1-103.6 I have the right to sue TransUnion Sincerely in good faith and with clean hands UCC 1-308 without prejudice all rights reserved, XXXX XXXX XXXX XXXXXXXX household
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX XX/XX/2022 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

National Principal group company on my cell phone first there automated messages stating to contact them or my legal advisor. The second I spoke with a gentleman name XXXX stating I owe a pay day loan from 2010 and he had my name the last XXXX digits of my social security and the name of my bank and the wrong last digits of my account. He stated I owed {$700.00} and XXXX XXXX dollars is late fees. Also, stated I can just pay {$300.00} and I told him to send me the information e-mail. I received the e-mail and the only way I could open the attachment if I entered the last XXXX digits of my social security number. I never applied for a payday loan from the company he stated XXXX XXXX. The call is fraudulent using my information.
Product: Debt collection

I sold my XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did a release of liability online on XX/XX/XXXX. The vehicle was in a hit and run accident on XX/XX/XXXX. DMV had not processed the release of liability by the date of the accident so the Police report shows me as still being the registered owner even though I was not. National Service Bureau , Inc. keeps harassing me with letters trying to make me pay this debt. I have given them the information of the new owner of the vehicle. I have contacted DMV and they are way behind, months, in processing paperwork. I can provide the debt collector with a copy of the new pink slip with the new owners information and the transfer date of XX/XX/XXXX but they will not accept this as proof. It is going to cost me money and time to provide release of liability, which I am willing to do but this debt collection agency is going to keep harassing me until I provide them with the information that they want. The agent I am dealing with will not let me get a word in, he talks very loudly over me and will not listen to a thing I have to say.
Product: Mortgage

After submitting a complaint with cfpb about the automated harassment emails and calls -- from numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX -- I received a response through you all in which US Bank described that activity the following way : -- - " During a deferment, collection practices and monthly mortgage statements are still issued with the intended reason to keep the customer informed. Notices can be computer generated and during the forbearance process, our system of record is not updated until the deferment is completed. If you have any specific notice or statement about which you would like further clarity, you may contact the XXXX department or the XXXX XXXX XXXX for further research. '' " Please accept our apology for any frustration you experienced with the customer service provided. We strive to provide superior service and we regret if you feel that we fell short in this instance. '' -- - Now, my statement on the app has XXXX transactions, reflecting a transfer of {$2000.00} from XXXX XXXX XXXX that is back-dated to XX/XX/XXXX, moving from one principal balance ( with a higher rate, as if they were doing me a favor ), to a principal balance to a lower rate. The transaction does not appear on any statement I have, and it appears they say the transaction happened in XXXX, when I still had electronic statements ( conveniently ). But the account has payments dating from XX/XX/XXXX and XXXX of XXXX, and those principal balances do not even show any interest having accrued on the amount that was " transferred '' in XX/XX/XXXX -- it's clear they robbed me of {$2000.00} and used the apparent lack of statement records available online ( I do keep paper copies ) to hide the evidence, with a backdated transaction that generated no interest at all over XXXX months.
Product: Credit reporting, credit repair services, 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 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. 

Also While checking my most recent credit report, I noticed credit inquiries that I did not authorize and they are a result of identity theft, made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX Inquiry date XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Product: Money transfers

I made a XXXX account to sell my washer and dryer. I posted my phone number for any serious buyers. The man who called himself " XXXX XXXX '' was interested and said he would send his check via mail and he would later send his movers to pick them up. He sent a check with extra money so that i may pay the movers. Well closer to the date we set, he said they needed a movers moneygram in order to go. At first I told him no because it was n't my responsibility, but he said he really needed the help. The check was listed on my account as received so I sent the moneygram to his " movers ''. Days later my bank tells me that check has no funds. So I am out that cash and that guy is no where to be found.
Product: Checking or savings account

Fifth Third Bank is practicing deceptive business practices. They sold a product named XXXX XXXX XXXX to us without our knowledge and wish. We never requested this product. Upon learning that we were signed up for this product, I reached out to them on multiple occasion and requested that they remove the charge of {$3.00} for each month beginning from day 1 they applied the charge. They refunded the charges initially, and assured us they will order a regular debit card which has no fee. This was also a lie. The charges kept coming. I reached out to them in person the 2nd time and they again assured they were correcting the issue. This never happened. As of today we are still being charged the fee of {$3.00} and they have not corrected the issue. I have reached out to them again via online banking messaging for their mobile app and from online banking messaging via a computer to no avail. They are interested in passing the buck between customer service and the branch. THEY ARE CLEARLY doing unethical things and should be punished just like other financial institution that were in trouble in the past for similar things. I
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the unauthorized inquiries and personal information that are found on my report. But still, those inaccurate items are constantly reported on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

I had a medical procedure back in XX/XX/2016 and was billed {$120.00} by the XXXX XXXX XXXX XXXX XXXX. My insurance paid the amount and I got a receipt from the XXXX XXXX XXXX XXXX XXXX ( attached below ). I also attached proofs of my insurance covering the amount. I disputed this issue to Equifax, XXXX, and XXXX and while XXXX and XXXX immediately erased the collection from my credit report, Equifax continues to hold that the collection is mine responsibility even though I have the necessary proofs that the collection is not mine.