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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are XXXXrequired under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address XXXX XXXX XXXX
Product: Credit card

I am being sued by Cavalry SPV I , LLC, who claim that they purchased an alleged debt from XXXX XXXX. 

Documentation they provided at the pretrial hearing does not show proof of ownership, or how the alleged amount of debt was calculated. 

They have provided a bill of sale from the original creditor stating that all accounts in Exhibit A were sold/transferred to Cavalry SPV I , LLC, however, Exhibit A is blank as the accounts were redacted. 

They also provided an affidavit of sale from the Finance Manager of original creditor ( XXXX XXXX ) stating that a " pool of accounts '' were sold to Cavalry, however there is no mention of any accounts.
Product: Credit reporting or other personal consumer reports

Greetings, On XX/XX/XXXX, Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( Experian, XXXX, and XXXX ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, XXXX and Experian does it time and time again! The XXXX major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. XXXX let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and XXXX hurt! In XXXX, it paid {$3.00} XXXX in restitution to harmed consumers, along with a {$2.00} XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, XXXX settled with the Federal Trade Commission, the CFPB and states for up to {$700.00} XXXX, to resolve allegations that it shared the information of XXXX XXXX consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the XXXX of XXXX, where there are several civil penalties that have occurred against myself and estate. Please see my XXXX letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been struggling to get all erroneous CHARGE OFF 'S off and ERRONEOUS statuses of my Credit Report showing that they were SETTLED FOR LESS INCORRECTLY when this account has been fully paid off since XX/XX/XXXX and they CHARGED IT OFF in XXXX of XXXX. The CREDIT BUREAUS are saying that they investigated that the information they are reporting is TRUE AND CORRECT INFORMATION for EXPERIAN AND XXXX. I have even contacted XXXX LEGAL DEPARTMENT, and visited a store for help and they just take my name in the Legal Department and say that they will be getting back with me. I have been getting the run around since XX/XX/XXXX with these Credit Reporting Agencies and XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXX I have been writing letters and repeated Phone Calls and now XXXX are messing up my credit and life with other companies because I am trying to purchase a House for my family and I and I am trying to prepare to take them to court for DEFAMATION OF CHARACTER.
Product: Debt collection

Alliance one has been harassing me with phone calls and letters after I asked them to stop. I do not owe any medical bills and never have been to a medical center in XXXX. They keep telling me that I can be sued for these two accounts that are ruining my credit and that they will go after my wages. Who are these people? I am appalled that they are acting this way over medical debts that patients owe, not myself. This is so heart breaking because there is no humanity left. I will counter sue them in fact if these accounts are not deleted from my credit reports immediately! I work in health care and I am very familiar with the CFPB, FDCPA and HIPPA laws. This company is carelessly violated nearly all laws that protect people. I have denied and spited these accounts to no avail and have not received notices of disputes, validations or any important information. I will not accept any more communications with this company and I hereby resist all forms of contact. I will have proof of your unlawful behavior after this dispute and I will gladly return to this forum and continue to file for as long as I need to until I deem it fit to actually SUE YOU!
Product: Credit reporting

Experian : - i got turned down for a loan due to low credit score - got free credit report ( annual from all XXXX agencies - noticed a lien on all three - I was able to remove it on all but experian ; I tried to upload proof of the error - I canceled check that had the case number and all the relevant ( both sides of the check ) info that was generated by my bank, the upload kept failing due to the wrong file format ( even though the file format was correct as i am a XXXX ) then I mailed a copy of the proof along with copies of my drivers license, SS card and a utility bill to experian on XXXX XXXX 2015 and I have not heard back, in the meantime my fico score has dropped XXXX-XXXX points and I have been denied a loan. 
I am about to send them another letter via certified first class mail in hopes to get them to investigate the issue, ( which they have not done ) - I have attached the proof of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inquiries on my credit report on or about XX/XX/18. I did not authorize the companies to make inquiries on my credit file. 

XXXX removed the inquiries promptly. However, XXXX and Equifax did not remove the inquiries. I am attaching the letters I sent to all credit bureaus. 

Please remove the inquiries from both my XXXX  and Equifax accounts.
Product: Credit card

XXXX XXXX XXXX close my account due to fraud The problem is is that I had nothing to do with it going on XXXX months sent them everything they wanted and they still haven't corrected the problem and they're costing me a lot of money
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I sent to your company a notarized affidavit and a police report stating that there was identity theft. Although it was removed when they received the affidavit, it is currently on my credit report. 

I am requesting that the bankruptcy be removed permanently. The affidavit was notarized on XX/XX/XXXX and the XX/XX/XXXX. 

Complaints were filed XXXX and XX/XX/XXXX. This is not a duplicate complaint. 
Originally, it was reported on my Experian account. I researched to XXXX XXXX and I filed a complaint against them. XXXX XXXX got it from XXXX XXXX XXXX. This erroneous Bankruptcy is on my Experian Credit file, not XXXX 

On XX/XX/XXXX XXXX XXXX  supplied the information to XXXX The XXXX is on Experian.
Product: Credit reporting or other personal consumer reports

As further proof that you the credit reporting agency are intentionally and constantly violating my rights under the consumer credit laws by continually reporting accounts that I previously identifed as inaccurate, I direct your attention to the attached page XXXX of the XXXX XXXX XXXX, Credit Bureaus, Credit Scoring, and Related Policy Issues which was Updated XX/XX/year>. This report confirms that there is no federal or state law that mandates reporting and that you the credit reporting agency receive regular fees from the credit furnishers for reporting accounts even when inaccurate. For example, there are XXXX credit furnishers ( XXXX and XXXX XXXX XXXX ) that you are conspiring with to deprive me of my rights under the consumer credit laws. XXXX and XXXX XXXX XXXX sued me for alleged debts I do not owe but the cases were dismissed. I am attaching the XXXX case jackets showing these cases were dismissed. Therefore these inaccurate accounts XXXX XXXX and XXXX XXXX XXXX and XXXX should have been already deleted. Yet you the credit reporting agency continue to report them to obtain unjust enrichment. I also previously contacted you the credit reporting agency via this same portal CFPB to inform you that if these accounts ( XXXX and XXXX XXXX ) are showing as charged off, that is also a violation as charged off accounts according to the XXXX XXXX XXXX are considered income and are not collectible. Yet you the credit reporting agency continued to conspire with the credit furnishers to report this information thus slandering my character and causing perpetual and permanent harm. I am also attaching documentation where I asked the credit furnishers for these forms XXXX but they have refused which is further proof of their abusive, deceptive and illegal practices.
Product: Checking or savings account

In reference to complaint XXXX Truist bank opened my account and closed it then sent me a letter saying I will receive funds in 30 days that was XX/XX/2023 I did not receive any checks from the bank I called was told check was sent on XXXX and no one was home. 
I asked for it to be sent again. 
I called on XX/XX/XXXX I called on XXXX I called on XX/XX/XXXX I called XX/XX/XXXX I called XX/XX/XXXX Same response we will tell fraud dep to resend the check. 
I dont understand is it Truist habit to keep other peoples money? 
If the letter is returned isnt the bank supposed to send it again?
Product: Debt collection

I sent XXXX dispute letters to LVNV FUNDING LLC ; to remove their illegal account on my report, they have refused to do so. XXXX letter was sent on XXXX XXXX, XXXX  and another one was sent on XX/XX/year>. I wrote them requesting validation/verification of the illegal account they reported to the credit reporting agencies, they did not provide me with any valid documentations.
Product: Credit card or prepaid card

Please I need your assistance. I have been working with XXXX XXXX on this situation for a couple months now and I can not get any resolution. There was an issue with Macys APP and somehow my XX/XX/2020 payment did not process. I was not notified because Macys had incorrect information for me, they had an incorrect phone number. 

I make my payments using the app all the time and never had an issue until this particular time. I am no stranger to the app. 

The 30 day late was removed and then put back on somehow. I called immediately as soon as I found out there was a communication error somehow with the payment. Macys not only reported me late, but also lowered my credit limit which in turn caused other cards to lower my limit. My score dropped almost 100 points. I am not really sure what the issue is, but I would really appreciate if Macys could resolve this. I am a good customer and really don't deserve this. 

This was done right in the middle of a national pandemic. Everyone is suffering to such a great degree and Macys would do something like this knowing that there was a communication issue. I am extremely upset about this. I appreciate your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 dispute regarding request to remove negative reporting missed payments on a XXXX business account auto loan, Disputes opened with XXXX, Experian, and XXXX. The payments were not late but were reported late by XXXX after a failure on their part to adjust the loan payment structure following covid 19 and account being affected by natural declared disaster. There has been no response from XXXX or the 3 credit agencies regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint as a natural person with rights protected under 15 USC 1681. My credit report has been violated by the consumer reporting agencies, who are also in violation of the Fair Credit Reporting Act. I demand that the following accounts be immediately deleted as I did not authorize the consumer reporting agencies to furnish them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following sections of the law have also been violated : 15 U.S.C 1681 section 602 A. guarantees my right to privacy.

15 U.S.C 1681 Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section prohibits any consumer report containing adverse 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 ) states that no person shall furnish any inaccurate information relating to a consumer to any consumer reporting agency. 
Upon reviewing my credit report, I noticed multiple billing errors violating TILA 15 U.S. Code 1666 ( b ) billing error. These errors include : ( 4 ) The creditor 's failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 
The creditor did not notify me 21 days before with a statement, and therefore, there should be no late payments on these accounts. I demand to see concrete proof from the creditor 's bank account that I did not pay and was marked late because this is clearly a billing error. The following account should be updated as agreed on my consumer report : XXXX XXXX XXXX XXXX If these accounts are not updated promptly, I reserve the right to seek monetary compensation for the violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability. I have already submitted this complaint to the Complaint portal for the State Attorney General 's Office, Better Business Bureau, and Federal Trade Commission.
Product: Checking or savings account

I used to bank with simple then they changed to BBVA compass, right after they changed to pnc bank. Then they shut my account down. I had taxes for years going there to my simple account. Now all my money has disappeared, a few XXXX. Pnc said there's no way they can get it back. I had a XXXX tax return never received and more.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding an unlawful practice that is currently taking place with XXXX, XXXX of the major credit reporting agencies. Despite clear consumer protections under federal law, XXXX continues to report a medical bill on my credit report, which is not only unjust but also illegal. This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Health Insurance Portability and Accountability Act ( HIPAA ), both of which safeguard consumers like me from the unlawful inclusion of medical debts on credit reports. First and foremost, the FCRA explicitly protects consumers from the harmful inclusion of medical debts on credit reports unless certain conditions are met. Specifically, under Section 605 ( a ) ( 6 ) of the
FCRA, medical debt can not appear on a credit report unless the debt is more than 180 days old. Furthermore, HIPAA mandates that all personal health information, including medical debt, must be kept confidential and can not be used for credit reporting purposes. 

XXXX 's blatant disregard for these fundamental laws is deeply concerning and unacceptable. I demand immediate action be taken to remove the unlawful medical account from my credit report. It is outrageous that a credit bureau, entrusted with sensitive financial data, would fail to adhere to consumer protection laws and jeopardize my financial standing. 


account information : AR RESOURCES INC Original Creditor Name XXXX XXXX XXXX XXXX  Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agencies which is XXXX, Experian, and XXXX did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of the last payment is not correct on three credit reports.which is a violation. This is impacting me from moving forward to buying a house for my family.I attached my previous credit report and my new credit report to show how Experian violated my rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 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 XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted correspondence to all three credit bureaus regarding my identity being compromised with identity stolen an as a result multiple accounts, addresses, and inaccurate bankruptcy have been opened or established in my name without prior consent or knowledge. I completed affidavit report # XXXX through the Federal Trade Commission which is considered a legal document Since XXXX, XXXX, OR XXXX   HAS NOT RESPONDED WITH ANY CORRESPONDCE PROVIDING ACCURATE VERIFICATION OBLIGATING ME TO THESE FRAUDULENT ACCOUNTS THAT WERE OPENED FROM IDENTITY THEFT. IN ADDITON SEVERAL OF THE COLLECTORS ACTING ON BEHALF OF THESE FRAUDULENT ACCOUNTS HAVE NEVER EVEN SENT ANY INTIAL 5 DAY NOTICE OF OBTAINING A THE FRAUDULENT DEBT THAT THEY CLAIM I OWE VIOLATING THE FAIR DEBT COLLECTION PRACTICE ACT ALSO ATTEMPTING TO COLLECT ON A FRAUDUELNT ACCOUNT AFTER BEING NOTIFIED BY A CONSUMER REPORTING AGENCY ( XXXX XXXX, XXXX, JEFFERSON CAPITAL, XXXX XXXX, XXXX XXXX, AND XXXX XXXX ARE ALL IN VIOLATION. XXXX, XXXX, & XXXX  FAILED TO BLOCK FRAUD RELATED ACCOUNTS WITHIN 4 DAYS OF BEING NOTIFED BY A CONSMER AND HAS FAILED TO PROVIDE ANY VERIFICATION PERIOD AND IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION 605B NOT TO MENTION A DELIBERATE REFUSAL TO REMOVE MY FRAUDULENT ADDRESSES THAT WAS REQUESTED ON MY INITIAL REQUEST. I DONT WANT TO HEAR AN EXCUSE SAYING YOU WILL CONTACT THE DATA FURNISHER FOR VERIFICATION. YOU HAVE HAD MORE THAN THE 30 DAY TIME FRAME ALLOTED FOR TO DO SO AND NOW YOU MUST COMPLY WITH THE FAIR CREDIT REPORTING ACT OR FACE LITIGATION!!
Product: Mortgage

Im never late with no miss payments, perfect tract record. Mortgage due XXXX of mo. 

XX/XX/XXXX received an increased mortgage payment options due to another shortage in escrow acct. 3rd year in a row ( taxes and insurance barely increased ) Increased over $ 120.59mo I battled with company to find out why because it seemed unjustified until XXXX and accepted their decision saying it was correct. 

Paid new amount {$2400.00} for XXXX payment, turned out to be wrong amount. ( no message or letter saying it was wrong ) Paid same new amount {$2400.00} for XXXX payment then I sent an additional {$65.00} amt to increase it ( before XXXX ) because I figured out it was wrong ( turns out it was still not enough ) ( again no message or letter saying it was wrong ) Received bill for XXXX showing a huge amount due. And received a letter saying if Im having problems please contact them. Seemed weird so I called to make sure this wasn't just a common letter to everyone. Well turns out it wasn't!! 

After over 2hrs on the phone, not only were my payments wrong, the mortgage company charges me 2 late payments and applied my XXXX payment to the escrow deficit without my permission or knowledge!!! 

They have apologized and reversed everything so they say but if I had not pushed the issue, I dont know what would have happened to my loan without great trouble to my credit, housing cost and loan status. I am writing this to make sure an oversight committee reviews their records of mistakes and escrow holdings and use because this is very serious.
Product: Credit reporting or other personal consumer reports

I have an unauthorized hard inquiry that was obtained without my consent, it is not opened to an account. I want this inquiry removed immediately. This inquiry is XXXX XXXX  XXXX XXXX on XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not provided an update to my credit score since XXXX of XXXX. When I attempt to access my credit file via their own website, there is an error code of XXXX and my credit file is saying XXXX. I have called the customer service number XXXX over XXXX times between XXXX XXXX. The answer I receive is the code XXXX  means that some information was incorrect and that the back office would have to resolve this issue. I have faxed over countless copies of my drivers license, passport and social security card verifiying my identity but undoubtly, the information is not being received. 

I reached out to the company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX speaking to different representatives with no resolution. 

I reached out to the company again on XX/XX/XXXX after attempting to access my credit report via the myequifax.com website and after receiving the same error code. The representative ( XXXX ) verified that it was an error on my credit file which had been there since XX/XX/XXXX and he would have to send a ticket to the back office to resolve. I asked him how long this would take and he said not long usually XXXX days and that no further action on my end needs to be taken. 

I reached out on today XX/XX/XXXX and spoke to XXXX. Explaining to him what I have addressed before, the error code XXXX and me not being able to access my credit from their website and that my credit file is still saying XXXX, as if I have no credit file. Today is the day and now it is time to file this complaint.