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

I am writing to file a formal complaint regarding the multiple unsuccessful attempts I have made to correct late open accounts on my credit reports with Experian and XXXX. Despite my persistent efforts to rectify this issue, these inaccuracies remain unresolved, and they are significantly impacting my creditworthiness and financial standing. 

I have identified the following accounts on my credit reports with Experian and XXXX that continue to be inaccurately reported as late openings : 1. XXXX XXXX XXXX XXXX Balance : {$4700.00} ; 2. XXXX XXXX XXXX XXXX Balance : {$4600.00}. 


I have previously disputed these inaccuracies through the established dispute resolution process, providing supporting documentation and explanations that clearly demonstrate that these accounts were opened on time and have been in good standing. 

Despite my efforts, I have not received any meaningful response or resolution from Experian and XXXX. The late open accounts remain unchanged on my credit reports, negatively affecting my credit score and my ability to secure new credit. 

I kindly request that you investigate the continued inaccuracies in reporting the opening dates of these accounts and take the necessary steps to correct them in both Experian and XXXX credit reports. 

Please provide me with a written response within the 30-day time frame mandated by the Fair Credit Reporting Act ( FCRA ). Include details of the actions taken to address these inaccuracies and confirm the corrections made in both Experian and XXXX credit reports. If any documents or additional information are required from my end to facilitate this process, please inform me promptly. 

Maintaining accurate credit reports is of paramount importance in determining my financial stability and credibility. I am deeply frustrated by the prolonged and unresolved nature of this issue and urge you to prioritize its resolution.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$36.00} XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

The company made no effort to contact me about the debt. I've asked for verification of the debt months ago and never received a statement or verification. I submitted a complaint and their response was that they could not find a debt that matched the information provided, so how were they able to submit it to the credit bureaus? I had to use their website to attempt to find a statement number and the website had a hard time finding it. I eventually found reference number XXXX and ID XXXX, but I do not know which number is relevant to the account. I have no knowledge of an account number at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is committing credit reporting fraud. They have changed the date of the repossession on my credit report from XX/XX/XXXX to XX/XX/XXXX with 120-180 recent reoccurring late payments. Initially it reflected open with the same late payments after reaching out to this organization as well as many others this company continues to use Equifax reporting system to victimize me with inaccurate information. I am in fear of this company and how it continues to use Equifax to openly conduct fraudulent credit activity against my Equifax credit reporting and I want something done I demand they be restricted from accessing my credit report to continue to be allowed to illegally report inaccurate information knowingly. Ive been in constant dispute over the account since XXXX when they refused to document the cars resale this company has to be stopped. Why are they being allowed to use a company we rely upon for accurate credit reporting to be allowed to utilize the reporting system to victimize consumers. I demand this company to be removed from my credit report and blocked from accessing my credit report I am in the process of filing a police report against them as we speak for the immediate crimes being allowed by Equifax.
Product: Debt collection

I have been getting calls fromm NCB Management at my place of employment and I have already set up a payment plan with this company through their website and the first payment had already come out on XX/XX/XXXX of {$75.00} and the next one is scheduled to come out XX/XX/XXXXof {$75.00}. They call my job everyday and I am not getting called into my bosses office about this. I work with kids and I ca n't get away to take these phone calls and if I have a payment arrangement set up and the first payment was already made why do they have to continue to call me like that.
Product: Debt collection

Im not sure as to why Im paying XXXX dollars in order for an ER to refer me to a physician specialist that I have to get in order to complete my recovery from a XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked up my credit report on XX/XX/year> and sent letters to Transunion. my tracking numbers are XXXX, XXXX, XXXX. They said the letter did not appear to be sent directly by me, however in the letters it states " I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. '' It is clear they did not read or attempt to process these disputes. They sent an automated letter to stall. I have attached the highest identification documents possible. This has been extremely damaging to me as it has been over 90 days. these inaccurate items has caused me to be denied credit. I have done everything in my power to try to fix the situation with nothing being done. This is my last effort before seeking litigation.
Product: Credit reporting or other personal consumer reports

I have submitted several disputes about this account XXXX XXXX # XXXX, not reporting accurately to my consumer report. Both XXXX and Trans union keep making false statements claiming the account is reporting accurately and it is NOT! CFPB is suppose to make sure me as a consumer is getting treated fair and that's not happening in this case ...... 
According to 15 USC 1681 E ( B ) - ( 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 under 15 US C 1681i ( 5 ) Procedure in case of Disputed Accuracy- if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information 's found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall remove it from consumer report.. 

I have enclosed copies and high lighted all the inaccurate on this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone from XXXX XXXX  ( my current lender ) called me unsolicited on XX/XX/22 and said that they wanted to see if they could find me a better mortgage option. I told them that was fine. Two days later my credit monitor reported that XXXX XXXX  had done a query on my credit report which will impact my credit score. The person from XXXX XXXX  NEVER said they would be doing this and I never gave permission for it. Additionally, they hit my wife 's credit report as well and they never even spoke with her, so they certainly did not have authorization for it. Someone from XXXX XXXX  called on XX/XX/22 and when I complained they tried to tell me that I should have known that their agent would do a credit lookup and then started asking me what I was going to use my credit for and whether I was looking for another loan of some sort at that time. IT'S NONE OF THEIR XXXX BUSINESS. IT'S **MY** CREDIT SCORE. 

These are deceitful business practices and they should be stopped. They should disclose what's involved with their " offer ''. I want them to mitigate the impact to my wife 's and my credit scores. And to never do this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to Equifax that was signed for. In that letter I sent I requested for them to send me verification of bankruptcy. They then emailed me my results ( see attachment ) and notified me that XXXX XXXX was their source of information and verified that information was accurate. This couldn't be possible due to the freeze on my XXXX XXXX ( see attachment ). Equifax stated that the date verified was XX/XX/2020. I received a letter from XXXX XXXX on XX/XX/2020 stating that my account was already frozen, ( see  attachment ). So unless XXXX XXXX unlawfully has given out information or inaccurate information against my freeze, this information of verification through Equifax is not accurate. Also I have information given to me from the Bankruptcy court ( see attachment ) proving as well, that they do not release information to the credit bureaus.
Product: Debt collection

At most, this is some type of debt collection scam, at the very least a massive violation of the Fair Debt Collections Practices Act. This company just called me insinuating that they were a government agency. " XXXX XXXX '' told me that " this is concerning a legal case that is being filed against you '', but would n't tell me what this was in reference to. Then he mentioned that there were, charges being brought against me for falsifying information provided to banks, implied that there were criminal proceedings against me, and that they were going to have the IRS audit me. The guy would n't let me get a word in and when I pressed him exactly what this was about. He did n't disclose that it was an attempt to collect a debt, and did n't really tell me that it was concerning debt in the first place. Nonetheless, when I offered to XXXXway my attorney into the call he said for my attorney to call him. When I asked what this was in reference to, or where to send an attorney representation letter to, he just hung up. 

So I called the number back and asked what the name of the organization is. They said it was Zenco XXXX '', a company that does not exist in the state of Texas. I asked to be transferred to " XXXX XXXX ''. I then asked him who my attorney should call, he hung up. I called a second time, and he stated " This is the 13th time you called '', which was completely untrue, it was my XXXX. He mentioned told me that " this is a felony '' and hung up without giving me a chance to inquire about what this was about. I do n't ever recall having any unpaid debt, so as far as I know, this is some type of scam. If it is some valid type of debt, then it must have been from 20 years ago, as there is n't anything negative on my credit report. If it is a debt collection agency, then they are in violation of several laws, including threatening to sue after the statute of limitations and the rest of the issues mentioned above.
Product: Debt collection

I lived at XXXX on XXXX XXXX in XXXX, FL. due to Covid 19. My place of employment closed their doors and I had no work during the pandemic.my rent was {$2200.00} a month with all amenities pool, gym, dog park, etc. I told the office i was moving out because i couldn't afford to live there anymore so XXXX and XXXX rent was not paid, I moved out end of XXXX. I had the place professionally cleaned so there was no issues. the offices where closed and had no contact with anyone! so i emailed the office that it was clean and keys on table. thinking I was doing the right thing by moving out and not milking the system like others! The moment they received the letter at XXXX, XXXX called me very rudely and said she was sending me to collections. 
Im trying to buy a condo and i cant do anything because the collections debt says i owe {$10.00}, XXXX!!!! so it shows too much to debt to income ratio. now I'm stuck. I had perfect credit before this collection debt. i feel this is unfair due to the pandemic! If I owe anything, it should be 2 month rent at a discounted rate due to no amenities! 
someone please help me!! I'm desperate! 
I even hired a lawyer that sent a demand letter and the collections agency sent back with only a 50 % settlement offer but i feel the settlement offer should be off the price i actually owe which would be the discounted rental payment!
Product: Bank account or service

A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.
Product: Credit reporting or other personal consumer reports

I am aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Repeated phone calls roughly every two hours from various numbers.
Product: Debt collection

The law states that the failure of the owner and/or lien holder to exercise their right to reclaim the vehicle or other property within the time provided may be deemed a waiver of all right, title and interest in the vehicle or property and their consent to sale of the vehicle or property at public auction. 

On XX/XX/2019 there was an application for Michigan Vehicle Title Submitted. The title/application has no secured party. I am also not the owner on the title or registration of this vehicle. Ally has been pursuing collections and repossession of this vehicle since the sale regardless of my multiple attempts to dispute the information. I have also requested a lien release from Ally in regards to this vehicle. They have no security interest in the vehicle and there is no lien on the vehicle. Yet I am still being pursued with collections for almost 3 years now. 

I also have the Bill of Sale provided to me which states the vehicle was sold and released on XX/XX/2019 to XXXX XXXX, and signed by law enforcement. The XXXX states that it may be used to apple for ownership in purchasers name. 

Also in the SOS or DMV the registered vehicle vin shows no active LEIN. I have not been able to remove this collection from my credit reports and it has destroyed my credit.
Product: Credit reporting or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

XXXX 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXXXXXXXXXX  Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXXXXXXXXXX  Date of inquiry : XX/XX/2022 Delete this account. 

XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX
Product: Mortgage

My personal information is not safe at freedom mortgage. I called In XXXX to get help with my mortgage and the agent was very understanding and very helpful. I then received XXXX letters first was dated XXXX XXXX, and XXXX XXXX. I did not receive any letters from Freedom Mortgage until today XX/XX/XXXX. The letter I received from from the loss draft department, it was dated XX/XX/XXXX. The envelope was received opened and it did not only have my letter in it had XXXX other Freedom Mortgage customer letters in it. The letters contained the XXXX XXXX, Full Address, and XXXX XXXX. I called on XX/XX/XXXX to let advise that I don't feel my information is safe. It took me to the loss prevention department, they advised me I was approved for a partial claim and a letter was sent back in XXXX, since I missed the payment in XXXX, it is denied. I responded with I didn't even know! I never received a letter. I had the agent send me the letter to my email. He advised me to call back on Monday XX/XX/XXXX. " to see if I can get back on the the program. '' So my questions are : XXXX. How can I be sure my Information is safe? XXXX. How can I be sure that the letter they say was sent in XX/XX/XXXX didn't go to somebody else with my information ( that's pretty personal information )? XXXX the envelope arrived open can there others that were in there that are not there now?
Product: Checking or savings account

This deals with a small business checking account. I am President of an XXXX XXXX. The account is not very active. When trying to access the account to make some end of year distributions, I was informed the account was marked 'Inactive ' since no checks have been drawn in almost one year. No notification was given prior to being put into the 'Inactive ' status. The banks policy is then, after one more month, to mark the account as 'Dormant ' and turn the assets over to the state as 'Unclaimed Property '. I find this totally unacceptable. Specifically, to take such actions without attempting to notify of any impending steps. The bank has current contact information -- address, telephone and e-mails. I have regularly logged-in on-line to access the account but this was insufficient to consider the account as active. No attempt to contact was made before taking actions. I have contacted the bank and they confirm that this is their policy. I find this totally unacceptable and counter to the public good. Please note that I also have personal accounts that are very active and accessed via the same user ID and password. Nonetheless, the back never considered these before taking actions.