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

This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FCRA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. 

I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction.

You have reported such information in my consumer credit report. I have numerous recipes of attempts to try to correct your mistakes PURSUANT to 15 USC 1681a ( 2 ) ( B ).

Each time Ive disputed these accounts you have them listed as Accurate and verified. You have only verified information never validated. IF you have of validated the information you would have followed federal laws and removed the violations long ago. Your in violation of the following 1681a ( d ) ( 2 ) ( I ), 1681a ( d ) ( 2 ) ( b ). Ive never given you written instructions to report certain accounts neither did you allow me time to decide whether or not I wanted such accounts to report. And if each account is accurate and verified that means youve violated 15 USC 1681a ( 2 ) ( B ). 

Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former XXXX XXXX XXXX ; the Trust Territory of the XXXX XXXX ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. 

After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX medical bill hippa violation XXXX XXXXXXXX violation caused by their data breach
Product: Debt collection

I recently filed a complaint with the company about a debt that they have put on my credit report that does not belong to me and is the result of my identity being stolen. After I filed the complaint they sent me a email with an affidavit that I needed to fill out for them to start an investigation which would take up to XXXX XXXX. I submitted the affidavit by email as requested and not even XXXX XXXX later I received a email stating the investigation had been completed. I called the company and they agreed that the investigation was not complete and a specialist would reach out to me to get this taken care of. I still have not received communication back since XX/XX/2022. Then they closed this complaint. I dont believe a proper investigation has been completed in such a short time and asking for a explanation and proof of investigation.
Product: Debt collection

For several months I 've received phone calls ( voicemail messages ) from Transworld Systems , Inc. requesting that I return the call to a person ( the name changes periodically ) to discuss payment on a debt that I owe. 

I keep up with my outstanding debts and I do not owe anything that a collection agency would be calling me about. I researched the company online and have found there are numerous complaints about the company and the tactics used in an attempt to collect outstanding debt. 

The phone number being called is a residential landline phone. Perhaps the person having this phone number prior to me has outstanding debt, but I do not. Also I purchased my house in 2010 through a foreclosure proceeding, and I suspect the person who owned the home prior to me has financial problems based on the financial transactions posted to the county Recorder 's office prior to the foreclosure and the continued mailings I receive in that person 's name that run the gambit from attempting to collect money owed to offers for vacation giveaways to gambling casino resorts. I also receive mail in the wife 's name and a son 's name that show they have continued to use this address ( now my address ). 

Based on the online testimonies of all those who write about this company I will not be calling this company back to inquire or set the record straight at any time in the future. It appears from the details of the writers any attempt would be useless and only empower the bullying tactics of the company. I would like the phone calls received 2-3 times per week to stop, however.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6000.00}
Product: Credit reporting or other personal consumer reports

hese can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$4900.00}, XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$1300.00}, XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX Balance : {$1900.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Remove Derogatory collection accounts an inquires in attachments. I do not recall contracting with these companies for services nor authorizing my information to be used to inquire about such. 
Remove the following accounts and inquiries in the picture below and please see my IDENTITY THEFT AFFIDAVIT along with identification.
Product: Mortgage

PHH Mortgage XXXX auto drafted an additional {$300.00} over the cost of our mortgage payment and applied it to our principal interest monthly for 4 months, from XXXX 2015 until we placed with our bank, a block on all debits from them in XXXX 2015. PHH was faxed in writing the correct debit amount, called numerous times, notified that we no longer wanted Automatic Payment Drafting and continued to draft unauthorized funds and when notified applied them to principal interest of our mortgage without our consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Srction 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

As indicated by the attached copies of letters and mailing receipts, Experian have been delivered by certified mail numerous dispute letters as well as a follow-up letter, dated as far back as XX/XX/XXXX. As of this moment, Experian have not done their duty mandated under the law. The inaction in this matter is inexcusable, and the disregard for the law is contemptible. 

As you are well aware, federal law requires a response within 30 days, theyhave failed to fully update my Credit Report accurately. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter. I further reminded Experian that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), they may be liable for your willful non-compliance. 

For the record, the following information is being erroneously included on my credit report, as I have advised Experian on ten separate occasions, more than 75 days and again 40 days ago : XXXX Account number XXXX
Product: Checking or savings account

Wells Fargo Checking Account ending in XXXX with no money in account Wells Fargo is allowing recurring payments of {$800.00} two times, {$250.00}, {$270.00}, and today {$520.00} to get overdraft charges knowing I only get one wire transfer at the end of the month. As I told Wells Fargo I cant go to the ATM and withdraw even {$20.00} if I have {$10.00} in my account bu they put these huge charges through knowing you cant cover it. It is predatory banking for sure. I called 5 times and each time they say they can put any charge through at their discretion but if I don't have the money in any of my accounts and the yknow it why would they put the charge through unless the wanted feasy fess.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items are still showing in there. I am writing because errors in my credit report doesn't fix your investigation.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, 2023 I should pay at least the minimum balance ( {$80.00} ) because it was the due date. I paid the balance ( {$190.00} ) on XX/XX/XXXX, 2023.This company ( XXXX XXXX XXXX XXXX ) still reporting to the credit bureaus a XXXX  days late payment, that is incorrect because I paid XXXX  days late. I always have been a customer in good standings with them, actually the recently approved me for their graduated credit card.
Product: Debt collection

HOLLOWAY CREDIT SOLUTIONS, LLC XXXX XXXX XXXX XXXXXXXX, AL XXXX This company is trying collect a debt that I do not owe.
Product: Debt collection

I received a call from an agent from Arrgon Collection Agency ( Name may be misspelled ). The caller did not identify himself but instead provided a disclaimer about recording and then details about the debt owed. I explained the context of the debtXX/XX/XXXX and requested a copy of the remaining balance from the agency. The agent started to argue and state that the hospital sent letters to the address, and I stated I did not receive them. I requested a copy from the agency. The agent proceeded to tell me about the original balance and about my insurance and how I should be able to pay it because it was already reduced. This was my first interaction with this agency and I repeated please send me a copy to my address. I confirmed my address and the call was quiet. The agent then proceeded to tell me that I should have paid my XXXX bill in an abusive manner. Due to the increasing scam calls across the U.S., it is not unfair or uncommon to request a valid bill before rushing to pay someone via the phone providing information about the debt. I've called and spoken to a supervisor XXXX and she stated she needed to listen to the call then decide the action. However, even she started to want to review how much was cut down from the initial bill. I mentioned that I needed a copy for validity and to reduce scams. I also stated that the date in question and subject is sensitive because it involves the stillbirth of my firstborn and the traumatic experience I had at the facility with no support legally or from the hospital for the behaviors of its staff. I mean who leaves a dead baby in a box overnight in the room with its mother and can't locate the body while rushing the mother to leave the hospital? The deterioration removed the possibility of me even obtaining an autopsy for my son. Either way, I have informed this agency that recently obtained this account it was a first attempt to reach out. It was unprofessional and obscene. I asked for a mailed bill for proof to protect myself as my information has been leaked over the years several times.
Product: Mortgage

This process was incredibly painful. I started a refi with Amerisave on XX/XX/XXXX with XXXX XXXX paying {$500.00} to start the process. The lack of internal communication, lack of responding to numerous e-mails and phone calls where I was asking for clarification of documents needed and/or explanation of why the process is taking so long and what I can do to get things moving is infuriating. There was an entire month from middle of XXXX to the middle of XXXX that went by with zero movement. I feel like I drove this entire process. I have e-mails and statements to support this claim and phone records can be checked to see the shear amount of phone calls I made during this process. 

On XX/XX/XXXX, 4 months after beginning the process, I was told my quoted rate of 3.125 % expired. Apparently, this rate was not locked and I was given no advisory advise as to what to do so nothing would change. My credit report expired, so Amerisave ran my credit again and it dropped 20 points. I am not sure why, but thats a topic for another time. Because of this my rate jumped to 3.5 % as well as did points. Points went from {$1200.00} to {$4700.00}. I was told by XXXX XXXX that is because of the Market. This increase in interest rate caused my payment to go up by $ 107 month which is over {$38000.00} over the life of the loan. Amerisave did give me a {$3800.00} concession to try and justify the increase in rate and points.

Amerisave also made me keep my money in a very low interest account requesting bank statements often with what appears to have no intention on closing in a reasonable amount of time. I feel like I was taken advantage of and this was a bait and switch. 

I was caught in this ongoing cycle month after month and I could not get answers why. I have submitted 59 documents since this began and dealt with 7 different people from loan originator ( XXXX XXXX who was replaced by XXXX XXXX ) to loan processor ( XXXX XXXX who was replaced by XXXX XXXX ) to Mortgage Sales Manager XXXX XXXX ), Processing Manager ( XXXX XXXX ) and even the Mortgage Sales Manager 's boss ( XXXX XXXX ). I have even spoke to the title company XXXX multiple times and they are ready to close, but were waiting on documents from Amerisave. 

This refi is going to save me {$1100.00} month ( originally {$1200.00} ) and every day that went by where I do not close is costing me money. I finally closed on XX/XX/XXXX. 5 months and 5 days after beginning the process with absolutely no awareness that it was going to take this long. I was told about 3 months to close. I would have gone somewhere else, but they had my {$500.00} nonrefundable application fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit. Unfortunately have been denied due to erroneous information being supplied by the credit bureaus. 

XXXX XXXX has been reporting erroneous account status, last payment history and account balance to the credit bureaus. The credit bureaus refuse to update my reports with accuracy. 

Ive reached out to the credit bureaus on numerous occasions and have been advised that they have investigated the dispute and have verified the debt and amounts. The credit bureaus have not and will not send any supporting documents to validate the errors being reported on my credit report. When I try and open a new dispute the Transunion credit bureaus shut down the request as frivolous. 

XXXX continues to report incorrect balances as of today XXXX/XXXXXXXX  they have indicated via my credit report that I owe {$28000.00}. The recent fraudulent update states that the balance increased {$290.00} due to non payment. The last payment on the car was XXXX XXXX the account is closed and charged off. How am I still incurring charges? There was a judgment placed against me in the amount of XXXX via XXXX XXXX courts on XXXX XXXX. 

Please help!!
Product: Checking or savings account

Ive never opened up an account with, JP Morgan Chase Bank. I believe this was done under identity theft, because never have Ive been a customer of this bank. I want to take action on this fraudulent actions.
Product: Checking or savings account

On XXXX I called and spoke to a representative at Cashapp to dispute a claim against XXXX XXXX. I received a request for documentation which I uploaded to Cashapp via the app. I was told by XXXX that I would be issued a refund in lieu of my order being delivered late. When I called XXXX to request the refund, I was told that I could not receive it because the representatives that promised the refund did not tell me the right information. So, I tried to dispute the claim with the written documentation from XXXX which promised the refund. Cashapp denied the claim but failed to alert me of the decision or any information until I asked 10 days later. When I received the denial documentation all the facts of the claim were false and the documentation I submitted was not included
Product: Credit reporting

I recently checked my XXXX credit report and found negative accountings on my account that should not be there. The one to which i am currently reffering is my mortgage with XXXX XX/XX/XXXX- XX/XX/XXXX. I was covered under the SCRA law during this time and have enclosed the orders as well as the law for you to correct this mistake as soon as possible. I also have several other issues including XXXX, XXXX XXXX, XXXX, XXXX ( XX/XX/XXXX-XX/XX/XXXX ), XXXX XXXX. I was covered under SCRA starting XXXX XXXX XXXX XXXX XXXX and a year after that as well as, XX/XX/XXXX- XX/XX/XXXX and a year after that, as well as, XX/XX/XXXX- XX/XX/XXXX a year after. Attached are all of the orders for these dates and all negatively affecting credit reports for said dates should be removed.
Product: Payday loan, title loan, or personal loan

I signed up for my hvac for 10.99 % XXXX  year loan from goodleap financing through my air conditioner repair company. Set up for automatic payment which was to start on XX/XX/2023. The payment was supposed to be XXXX of which I made a payment of XXXX $ when the payment cleared my bank on XX/XX/XXXX. I decided to cancel the auto pay for XX/XX/XXXX when they sent me a reminder a few days before this date. Then they started calling asking what was wrong and explained to them that I made the payment in XXXX on the XXXX and will be making my next payment the on the XXXX of XXXX for the payment amount XXXX and because it was a XXXX paycheck month paid an additional XXXX $ I like to be a month ahead on my installments in case of rain of which weve had a lot this year. Now they sent me a statement and it says my payment is do XX/XX/XXXX of which it technically would be XXXX payment because Im not paying this time till the XXXX  of XXXX.Now it says my interest rate is at 11.49 % and the monthly payment is XXXX $ Why is this when its their payment website that screwed it up. Is there anything I can do about this it is not fair. I think they do this on purpose to change loan rates. I do not like them at all. I have many credit cards and other loans and have never had any problems or issues like this. I have had over 30 good standing credit accounts and know how all this works.
Product: Debt collection

This bill was originally from XXXX Arkansas XXXX XXXX and was placed with EOS CCA while I was appealing this bill with my insurance. EOS CCA is charging interest on this balance. My insurance paid all but {$56.00} of this bill but EOS CCA is continuing to charge interest on this and has reported a balance on my credit report of {$94.00} as of XXXX/XXXX/16. I have disputed this on my credit but they verified to XXXX that this was the correct balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX information is incorrect I was never late on payments. My account is current and always has been.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mine so i sent a identity theft report to all XXXX CRA 's ( TRANSUNION, XXXX, AND XXXX ) REQUESTING THEM TO BLOCKED AND DELETE THE ITEMS FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS REQUIRED BY LAW. THEY HAVE VIOLATED THE FCRA BY NOT BLOCKING NOR DELETING THEM WITHIN THE TIME FRAME. 

I HAVE ATTACHED THE COPIES BELOW FOR YOUR REFERENCE