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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : 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: Credit reporting

There is an address on my credit report that I have never been associated with. I had a case with identity theft recently, and this may be related to that issue.
Product: Credit reporting or other personal consumer reports

I wrote to XXXX  asking them to check the accuracy of accounts ( XXXX ) XXXX XXXX XXXX XXXX # XXXX, ( XXXX ) XXXX XXXX # XXXX, ( XXXX ) XXXX XXXX XXXX. # XXXX, ( XXXX ) Duvera XXXX XXXX XXXX XXXX, ( XXXX ) kikoff # CLJPWW****. Nothing was taking off. So, I wrote again asking for proof of validation and nothing was done. After being frustrated, I wrote to all XXXX of the creditors asking for proof of validation bye presenting me with a original signed contract and no one wrote me back. I have proof where I sent certified letter to all creditors and its been XXXX  days, so I am asking to delete these accounts permanently asap. Thank you for your help.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that my payment history is not correct. the consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. Please investigate and provide proof with statements showing that the payment history is accurate.If proof can't be provided I demand this account be updated or removed from consumer report. Please see attachment. 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.
Product: Credit card or prepaid card

Discover credit card asked me to send a physical copy of my social security number despite me having uploaded it a clearly legible one online. They closed my account when I did not send it. They didnt explain why they need multiple copies. 
They are also keeping the digital copy of my social security card on their servers for 5 years, despite having closed my account.
Product: Credit card or prepaid card

RE : XXXX XXXX XXXX Synchrony Bank XX/XX/XXXX - I paid my entire credit card balance in full prior to the due date. The payment was processed and my credit card account had a zero balance. The following week, a new payment of {$690.00} was automatically deducted from checking account by Synchrony Bank which created a credit balance. As soon as I noticed this over payment, I called to request a refund on XX/XX/XXXX. I was informed a refund would be sent within XXXX days. I received no refund. 

I called again on XX/XX/XXXX and the customer service representative confirmed the communication and my request to receive a refund. The request had been submitted but no refund check had been issued. ( I waited longer than XXXX days to receive it and still no refund. ) Additionally, I was informed by an account manager that the company had been experiencing system issues. I placed another request in which I was informed it would take another XXXX  days to process. My only option to receive a refund is via paper check and through the US mail. If a payment can be taken electronically than a credit should be issued electronically as well. 
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Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 was my original complaint to CFPB about this false reporting bankruptcy I have been violated by Equifax and XXXX I wrote to the Delaware district Court bankruptcy court on XXXX seeking confirmation about the reported bankruptcy, and received a letter in response > stating they do NOT furnish any consumer data to Equifax, XXXX or other credit entities. I also sent 3 letters to equifax and XXXX citing the inaccuracy and requesting investigation/removal based on the court 's response. And asking for information that they have.They sent me a letter back with another name on the bankruptcy that is not mine also, I sent notarized affidavits also. I also sent Equifax a letter documentation of contacting The District court directly inquiring about their records, but received no response. Despite Equifax and XXXX failure to validate or deny the report to you directly as the natural person creditor. Equifax and XXXX has not properly fulfilled their duties to investigate under the FCRA nor removed the false information, despite being unable to verify the third party source that supposedly reported it. And these bankruptcies reporting are hurting my financial health. Since my initial complaint I have given Equifax and XXXX 30 days to respond which is a more than reasonable amount of time to respond to these matters. They had failed to do so and now I am seeking monetary relief for the inconvenience
Product: Credit reporting

I filed chapter XXXX XXXX 2007. It was dismissed not discharged. It has been well over 7 years since the date filed and Equifax refuses to remove it. Also I have XXXX federal tax liens on my report that have been paid and released that were filed XX/XX/2007 and XX/XX/2007 and have been well over 7 years. Equifax refuses to remove all XXXX public records but XXXX and XXXX have done so. I would like these records removed please. Thank you
Product: Credit card

Company will not close my account after it was closed back in XXXX. Made final payment of {$280.00} and was processed XXXX. They charged me an additional {$20.00} nsf fee because their system was down and couldn't process the 90 early payment option that was supposed to be emailed to me. Sent numerous emails in XXXX and they never responded back. This company is a scam and has many negative reviews from other consumers. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple items on my EQUIFAX credit report - the most recent being XXXX confirmation - When I try to view the results online - the service is never available. 

When I call them - and they ask the challenge questions, I can not verify all of them, as some DO NOT apply to me ... which is WHY i'm disputing a few items. 

I '' m stuck. And they are not offering any assistance.
Product: Credit card

Barclaycardusa filed a fraudulent court document on XX/XX/XXXX and a voluntary dismissal on XX/XX/XXXX/ I believe the fraudulent documents were filed so Barclaycardusa could avoid responding to my complaints to the Consumer Financial Protection Bureau during this period. I was offered a {$2900.00} settlement in XXXX XXXXby XXXX XXXX but Barclaycard refused to honor it and then demanded over {$7900.00} to be paid within 5 days of this fraudulently filed document on XX/XX/XXXX. Is this some kind of unfair and deceptive trade practice or yet unfair debt collection practice? 
I was never served with this court action as Barclay sent it to an address where I do not reside nor the address on my Barclay card account. Also, Barclaycard stated I was delinquent for payments due in XXXX, XXXX and XX/XX/XXXX -- dates which have not yet arrived. Moreover, I am reporting unfair debt collection practices. 

I am reporting unfair debt collection practices as I was in email negotiations with a papralegal named XXXX XXXX and then this occurred during these negotiations. 

To defame my character is this fashion is actionable. I was making payments. I even had an agreement to make certain payments less than the minimum but the court document sought to shame me for less than full payments. 

I beleive Barclaycardusa lied to the Consumer Financial Protection Bureau to keep from responding to my complaints and their inquiries due to the excuse that this matter was in litigation when it was already dismissed. 

It is a shameful practice that Barclaycardusa used against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with a fraudulent collections and inquiries
Product: Mortgage

On XX/XX/XXXX I filed a complaint with the CFPB regarding my mortgage holder PennyMac. I explained that they failed to timely pay my taxes and a late fee of {$410.00} was now added to my property tax bill for XXXX. I also requested that as punishment for failure to fulfill their fiduciary duty and contractual obligations that my escrow account be divested from my monthly mortgage payment and that I be allowed to pay my insurance and taxes myself. The taxes have since been paid, only in response to my compliant with CFPB, and my escrow account has been divested from my monthly mortgage payment. Because the taxes and insurance have been removed from the monthly payment, the new amount to pay each month was to be {$1500.00} starting XX/XX/XXXX. Because I have a standing {$450.00} additional principal payment each month, the new amount as of XX/XX/XXXX should be {$2000.00} ; HOWEVER, on XX/XX/XXXX PennyMac wrongfully withdrew {$2800.00} from my checking account ( which is my previous mortgage payment ). This action by PennyMac once again breaches their fiduciary duty, commits the civil tort of conversion, commits the criminal act of theft, and is a breach of contractual obligations in violation of the commitment letter sent to me by PennyMac dated XX/XX/XXXX which altered my mortgage contract with PennyMac. PennyMac has once again shown through their actions, and lack of action, that they are entirely incapable of financial management. I am demanding the following ( 1 ) immediate return of the {$750.00} PennyMac stole on XX/XX/XXXX via direct deposit into my checking account, ( 2 ) immediate suspension and removal of the PMI monthly payment from my mortgage account as financial punishment for their continued wrongful civil acts and criminal acts, and ( 3 ) immediate return of the outstanding monies in my previous escrow account via direct deposit today ( XX/XX/XXXX ) which I have yet to receive from PennyMac as previously promised. I have been dealing with XXXX XXXX at PennyMac who's phone number is XXXX, extension XXXX.
Product: Mortgage

On XX/XX/2020, I applied for a mortgage ( refinance ) through RocketMortgage.com. According to the website, because I have a townhome, I needed to contact RocketMortgage via phone or chat. I chatted in and spoke with XXXX XXXX at XXXX. XXXX emailed me and I replied to him with the competing loan estimate that i had. On XX/XX/2020, XXXX texted me to review my loan application, at which point my credit had already been run and he was supposed to put together the loan package for me. As of XX/XX/2020, I still have not received a loan estimate, and while attempting to contact the company, have been transferred to three different people, including people who are not licensed in my state, such that they are unable to help me. It has been a huge waste of time, a hit on my credit, and terrible customer service.
Product: Debt collection

I have an item on my Equifax report that is from a company called XXXX XXXX for XXXX. This is not mine for starters, and they have changed the date of delinquency on 4 different occasions, it appeared for the first time in XX/XX/XXXX and recently as of XX/XX/XXXX, they changed it to XX/XX/XXXX. Thus constantly moving the drop off date. 
It should drop off this month ... XX/XX/XXXX, but they changed the date. 
I have reached out to both XXXX and Equifax to no avail!! 
Please help. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I obtained copies of all XXXX of my credit reports from XXXX XXXX, Transunion XXXX, and XXXX XXXX on XXXX. 

I noticed multiple inconsistencies regarding the account XXXX XXXX Bank which was an old credit card I had a while ago. Account info as follows per agency reporting ( all of which, to start with, are inconsistent in name and truncation of acct # 's ) : Transunion : XXXX XXXX BANK XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX On all XXXX credit reporting agencies ' listings, the following inconsistencies ( ie inaccuracies ) were found : XXXX Terms XXXX Date of last payment / date of last activity XXXX Recent Payment XXXX Highest Balance All XXXX agencies are not compliant with FCRA 15 U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Also,15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

********* Please delete this account from my credit report at your agency due to the multiple inaccuracies and inconsistencies across ALL XXXX AGENCIES. This account was disputed multiple times to amend the many inaccuracies and inconsistencies, and all XXXX agencies failed to correct on each occasion. Violations of FCRA as well as XXXX. ************** U.S. Code 1681e - Compliance procedures section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered to be unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result to the immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Vehicle loan or lease

On XX/XX/2017 I went to a used car dealership XXXX XXXX Vehicles in XXXX, GA. The dealer ran my co-signers and Is credit which at the time was reporting in the very high 600s to the low 700s on multiple credit checks. I was told that because I had no auto loan score and our age that the only place that would accept me is Credit Acceptance. I received one of the highest APR rates, 22.99 % for a used car. To my understanding this was a consumer credit transaction. I later learned there was much deception in the contract. Upon reading and understanding law I learned that a consumer credit transaction can not include cash. Pursuant 15 USC 1662 ( b ). There was a down payment given of {$2000.00}, as well as a vehicle trade in during this transaction. I called the company multiple times trying to understand how they came across the numbers but, all I was told was that I had to speak to the dealer. When speaking to the dealer I was reverted back to credit acceptance. I was told Id be financing XXXX and I sat in front of a computer, directed to type in initials wherever XXXX XXXX directed us too. I was told I needed to hurry so the loan could process and me being a first time dealership lease user I trusted the process. I legally did not sign any documents with my initials, everything was signed electronically. I did not see anything explaining the XXXX rate, nor did any representative explain to me. XXXX XXXX also signed me up for services that I was not made aware of like GAP Protection ( {$920.00} ), and when trying to access this service I was given the run around on whether I had a valid policy. I was in two physical accidents, and couldn't access this GAP program I was already paying for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT : XXXX XXXX XXXX XXXX, reported my account 30 days late on XX/XX/2022. 

This information is incorrect and I want this to be corrected on my credit report. 

I have never been late. 

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) XXXX  it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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.

Thank you.
Product: Debt collection

XXXX XXXX Hospital billed for XXXX. Between my XXXX insurance carriers, they received payment for the full amount allowable under the contract with my insurance providers. The hospital sent me a bill for the balance, which I disputed. I received one other statement and no further communication, until last month. I received a letter from an attorney 's office regarding the {$600.00} balance. 
I was never given written notice of any plan to submit this amount to collection or to an attorney 's office. The amount I am responsible for was approximately {$60.00}, as reflected in the EOB.
Product: Debt collection

I disputed the alleged debt and forwarded a written cease and desist letter, but the collector on the case continues to mail me and call my business telephone.
Product: Checking or savings account

I searched for houses in XXXX, XXXX, XXXX online, and several real estate agencies appeared selling bank foreclosures. I found one that I liked and requested information from the advisor, who began to give me details about how the purchase would work, including the steps I needed to follow : an initial payment of {$2500.00} on XX/XX/year>, a second payment of {$24000.00} on XX/XX/XXXX, and a final payment in four months. She sent me the contract, an identification of the owner of the company, and a document containing the companys commercial registration so I could see it wasnt a scam. I believed her completely ; she said the house was a bank foreclosure and couldnt be seen because it was still occupied, but that it would be delivered to me debt-free. After making the second payment, they have not contacted me again, and when I call, there is no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus XXXX, XXXX, and Experian have been causing me extreme distress. Each of these companies have been reporting incorrect information on my credit report! This is really frustrating because I have sent them countless letters and to no avail they aren't even responding to my letters anymore. No explanations or anything, they have completely ignored me beyond the point of disgust. With each of these bureaus reporting different information on these accounts there is absolutely no way to prove who is right and who is wrong. Also this is against FCRA guidelines, per the FCRA each bureau must report identical Information to a credit report and neither credit bureau as adhering to FCRA rules. It is truly disturbing when you have these credit bureaus getting away with such injustices. If they continue to get away with it they will continue to do it. Please help in resolving my issues, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XX/XX/XXXX, TransUnion and XX/XX/XXXX) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX