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

I requested a debt verification from Frontline Asset Strategies ( FAST ), LLC, within the verification documents they sent me, they included someone else 's personal ( name and address ) and account information ; I do not trust this company with holding my personal information and I feel violated due to this data breach. 

Frontline Asset Strategies ( FAST ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach.

Please find the details of my accounts below : Fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My partner and I bought a house together. We were not married. I was the XXXX of our XXXX kids and had not had any income for 7 years prior to applying for a mortgage. Bank of America approved our loan in 2007. About 2 years later, when the housing crisis hit, my relationship also tanked. My ex stopped paying our mortgage. There were several refi programs available, but neither Bank of America nor XXXX would allow me to apply for refinancing stating I was not the primary borrower. The net effect : they allowed me to be on the mortgage despite having no income. When I tried to refi, they said no, but were still holding me liable for the debt. It seems they discriminated against me in that they were holding me liable yet not offering me the same relief they were offering others who wanted to refi. 

The house went into forclosure. I want my name cleared and the forclosure off my credit record because they refused to help me in the way they were willing to work with my ex as the " primary '' borrower.
Product: Credit reporting or other personal consumer reports

I'm unable to obtain any finance products due to the fact I got to many hard inquiries I'm currently enrolled in college at the university XXXX XXXX I know a thing or two about credit building and how hard inquiries within a short amount of time will appear lenders ad if your desperate for credit by me knowing that I wouldn't go and apply for alot of accounts therefore there are some Inquiries that I don't recognize and was want them deleted from my report I feel like every American deserve to have good credit and I'm on my way to building my credit and paying my bills on time therefore please fix the inquiries on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

As I checked this account, the payment history is inaccurate, and this was paid already before it went charged off.
Product: Checking or savings account

After recently returning home from traveling, I got my mail only to find four different CashApp debit cards for accounts I did not open. As a result, I determined someone must have fraudulently opened the accounts through CashApp in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to CashApp, but as of yet have not been able to get a written confirmation from their support teams that all four fraudulent accounts have been closed.
Product: Debt collection

I am filing a complaint about G.L.A Collection Company Inc. 
I spoke with a collector named XXXX XXXX on XX/XX/23 about account number XXXX. I asked specifically about how to dispute the debt with G.L.A, and XXXX told me to go back to the " original creditor ''. When I asked why I would go back to the " original creditor '' to dispute, he responded " because we work for them ''. This company has no interest in validating this debt as I directly requested, and did not provide any information on their process on how to have a debt validation performed. 

After my repeated requests for debt validation, XXXX XXXX hung up the phone.
Product: Credit reporting

I sent XXXX a letter requesting proof on letter head stating the procedures used to verify this account I asked for proof of verification on courthouse letterhead the name of the person who verified the public act The public act should only be verified by the furnisher which is the bankruptcy court, not a third party such as XXXX or XXXX. Equifax never sent me any information within the 15 day period pertaining the business name address and contact information I requested thats violation number one violation two Equifax sent me a credit report that says verified thats not what I requested and thats not proper protocol when the creditor request for proof. Equifax also have the wrong date equifax has XX/XX/2014 in which it should be XXXX/XXXX/2014. ( paper work attached showing dates ). Im requesting complete deletion of this account. SENDING ME A CREDIT REPORT THAT SAYS VERIFIED IS NOT WHAT I REQUESTED AND ITS NOT PROTOCOL.
Product: Debt collection

I received a debt collection letter from Knight Adjustment Bureau signed XXXX. Although the company name was in the title block, the signature XXXX- without a last name or clarifying title- gave the misleading impression initially that the letter was from a court marshal or law enforcement official. This omission of a last name seems intentional, as it adds to the ambiguity and could easily mislead recipients into believing the letter carries legal authority. The letter demanded a response within 24 hours regarding a debt of {$1700.00}. The tone, signature, and urgency seem designed to intimidate and could mislead others into believing legal action is being taken. I believe this approach violates rules against misleading or deceptive debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN shared my credit report with XXXX XXXX without my consent. They shared the report and late payments reported in error by a third party creditor, which resulted in my credit rating being lowered with my banking institution. 

This party credit has corrected erroneous reporting in the meantime but the damage with XXXX XXXX has already been done. 


As I mentioned, this was shared without my consent. 

I am attaching the letter I received from XXXX XXXX stating that they received a credit report from EXPERIAN ( the third party credit bureau )
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On XX/XX/2023 I sent a letter via certified mail Transunion a national credit reporting agency. Attached to this letter was a photo copy of my identification and a utility bill. These item were to show proof that said letter was coming from me DIRECTLY. In the letter I simply requested them to provide me with their validation procedures for debt claims falsely placed on my credit report. Also asking them to delete any claims that did not follow those guidelines. Along with the following request which by law I am entitled too. 
1.The name of the original creditor 2.The creditors address and telephone number 3.The persons name they verified the dispute with 4.The documentation used to verify the dispute On XX/XX/XXXX I was sent a computer generated reply which didn't show any documentation from the original creditors or persons which serves as proof that I am in anyway associated with said debt. 

It is my opinion that this response is dismissive, negligent, and showing zero discernment in this companies harmful practices. This seems to be a deterent of my rights to a true investigation afforded to citizens by the Fair Credit Reporting Act. 

It has now been 35 days and I have not received my due process of the above issues. 

This company is in valuation of the Fair Credit Reporting Act and 15 U.S. CODE1681I. My request for information and investigation into the below falsely reported debts was to be completed in 30 days. This company has disregarded my rights and due process. I am now demanding that these items be removed from my credit report immediately.
Product: Checking or savings account

I received a letter dated XX/XX/2018 from my bank, 'Bank Of The West ' informing me of changes that would be accessed to my checking accounts. According to the mailing the accounts will be converted from the status of free checking accounts to what they call their Any Deposit Checking account product. A {$10.00} monthly service charge will be assessed unless there is at least one deposit made into the account for the month. 
The letter also states, that a {$3.00} monthly statement fee will be assessed for each paper statement that I receive during a monthly cycle. It lists several conditions of automatic waiver to this fee, of which I do not fall under any one of, or that I can avoid the fee by signing up for their Online Banking product. 

As far as their changing their free checking account product to a monthly fee account of {$10.00} per month, I guess I would have no say about if I choose to keep doing business with them, but I strongly disagree that I should be forced to have to enroll in Online Banking if I choose to receive my bank records, and statements and records in the mail, which I consider to be much more secure for my privacy, especially with the insecure nature of information and data breaches online. So, I believe that as a customer, I should be able to choose how I receive my monthly statements without being pressured to receive them one way or another.

Also, I think our mail carriers, as well as, many other blue collar jobs are under enough stress by the corporate world, along with decreased regulations, and escalating fees to customers in all sectors of finance and insurance, more and more everyday.

Thank you for any assistance you may provide.
Product: Credit card

Examine the attached documents closely. I request the bureau to initiate an inquiry into these accounts, as my payments are never late, yet they are inaccurately labeled as such.
Product: Debt collection

My debt consolidation was working with the Creditor and agree to payoff debt and stay close on report
Product: Credit card

they are reporting the date of my last payment in correctly. I stop paying all of my chase accounts in XXXX. they are reporting last date of payment 1XXXX .this account is out, of statue its been 7 years since I made a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer victim of Experian data breach and cyber security attack ; that cause the misappropriation of my good name, identity or suffer from or experiencing now ( Identity theft/fraud ) between XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX Experian General Counsel sent to consumer via email an admonition due to there data breach and cyber security attack ; cause him to suffer from or experiencing now ( Identity theft/fraud ). Consumer provided a copy of the civil judgment previously reported to third party and other fraudulent activities were made public record on his Experian Credit Report during or between XX/XX/XXXX and XX/XX/XXXX. 

The attach order for release of satisfaction is proof my Confidential and Personal Information was compromised supports and  substantiates XXXX and XXXX accounts are fraudulent having met criterion for Mediation program. 

Experian Marketing of its False Credit Scores to Consumers As direct result, cause of Experian Financial Services ; Experian Holdings ; Experian Information Systems , Inc ( EIS ) and dba Experian Consumer Services ( ECS ) arbitrary or capricious decision ( s ) to  make or having made full disclosure or public record of ( 1 )  erroneous credit scores about the consumer were offered or provided to the banking industry, mortgage lenders and/or potential employers presented an inaccurate image of my credit worthiness that violated or in violation of Section 1036 ( a ) ( 1 ) of the CFPA prohibits unfair, deceptive or abusive acts or practices 12 U.S.C. 5536 ( a ) ( 1 ( b ) ( 2 ) such misrepresentations as described in above paragraph were false and misleading that constituted deceptive acts or practices in violation of section 1031 ( a ) ; 1036 ( a ) ( 1 ) ( b ) of the CPA. 125531 ( a ) 5536 ( a ) ( 1 ( b ). 

( 3 ) such false reporting of trade lines, ( fraudulent activities ) ; credit scores and civil judgment to said third party debt collection agency ( GCS Limited Partnership ) violated or in violation of Section 13 ( b ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 53 ( b ), Standards for Safeguarding Customer Information ( Safeguards Rule ), 16 C.F.R. Part 314, pursuant to Sections 501-504 of the Gramm-Leach-Bliley Act ( GLB Act ), 15 U.S.C. 6801- 6804 and Section 19831985 for injunctive relief, restitution and any other relief having violated FTC Act pursuant to 15 U.S.C. 45 ( a ) and Safeguards Rule 16 C.F.R. Part 314 to date
Product: Credit reporting, credit repair services, or other personal consumer reports

These days my credit score was dropped almost 30. 
I didn't know until last XXXX. 
When I checked my credit report with XXXX, I found there's are 4 hard inquiries.

under my name. I guess 3 of these inquiries were declined.

But 1 requires was allowed. ( XXXX  XXXX ) I don't have any reason to apply for a new credit card. 
. 
I called to XXXX, XXXX XXXX, XXXX  XXXX XXXX. and XXXX and XXXX  XXXX fixed this ID theft. 
I attached these hard inquiries and a written letter from discover. 
I told XXXX XXXX by phone, they fixed this ASAP. 
In the case of XXXX  XXXX, I called tons of times but still, I haven't any chance to report this. 
Please fix it ASAP. Because of these wired situations, XXXX, XXXX, XXXX decrease my available credit limit almost {$13000.00}. 
Thanks.
Product: Debt collection

I have contacted the company " Professional claims bureau, LLC '' on 3 separate occasions, XX/XX/2023, XX/XX/2023 and XX/XX/2023 to inform them the doctor never explained there was a copay. When I asked the doctor office, they repeatedly told me no co pay was due and my insurance covered my physical therapy visits. They have not contacted me back and continue to send harassing mail demanding their payment. The doctor 's office should be held liable, which I explained in the email. Yet, on three separate occasions, I have not heard back from PCB. Please have PCB stop sending me harassing mail and investigate the matter with the doctor 's office.
Product: Credit reporting or other personal consumer reports

Thank you for removing some of the incorrect credit information from my file. However, there are still a few items that need to be addressed and removed. This is my 3rd attempt to dispute the information in my credit file which resulted from an erroneous credit information : EXPERIAN : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} - previously Late/Closed -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} - XXXX XXXX, Late/Opened XXXX XX/XX/XXXX -- -- -- -- -- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX Again, Im sending over an Identity Theft Report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to remove any information in my file that resulted from an erroneous credit information, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an FTC report. If you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an erroneous credit information. I do not consent to E-OSCAR or any means of automated verification.
Product: Debt collection

I received a credit card from XXXX. I was XXXX in the space of five years and could not pay what I owed them. Anyway the debt of {$9100.00} went to CACV of Colorado - a collection agency. In the meantime, XXXX XXXX XXXX bought out the original company. A judgment was issued in XXXX against me for this debt by CACV. My medical bills totaled around XXXX dollars so I had no choice but to file bankruptcy. It went through in XXXX of XXXX. My husband died in XXXX XXXX and as a result, I may have to refinance the house. To my utter shock, the judgment was listed against the house which was financed in my husband 's name alone. And the total is some {$320000.00}! I believed the debt to be discharged by the bankruptcy especially since both the original creditor XXXX XXXX XXXX XXXX XXXX and CACV were listed on it. I never heard anything else from XXXX XXXX XXXX but CACV insists that I owe this money - an exorbitant amount considering that the original was far less. I never received any notice whatsoever about any of this - only for the original amount in a letter in XXXX. I never heard from them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Student loan

I have applied for PSLF ; however, despite me working at a non-profit, because I was in XXXX  XXXX bankruptcy, I can't get approximately XXXX YEARS of my COVID covered forgiveness. Everyone else has been able to, even defaulted accounts! I was paying on my student loans for the 5 years I was in bankruptcy status and that does NOT count either. Does it make sense that : 1. People who defaulted are allowed a clean slate/forgiveness but those in XXXX. XXXX bankruptcy and PAYING on their loans do not? 2. There is no compromise on it? 
What do you think would be a fair outcome to your issue? What would help : Have those months count - it was technically COVID - everyone received PSLF EXCEPT those in XXXX. XXXX bankruptcy. I paid on these loans in good faith for 5 YEARS. These need to count towards that PSLF time- as noted, especially during COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and i am filing this complaint against XXXX XXXX and XXXX credit report agencies who failed to investigate a late payment that was reported by XXXX XXXX in XXXX, with the account # XXXX under the FCRA XXXX is required to verify all information received from creditor before that information is added to a consumer file. but experian failed to do so on my case since XXXX and never sent me in writing a prove of that late payment from XXXX and still continue to list that false late payment. this morning i check online on my credit report and i saw that same late payment listed, i already sent them a letter in the begining of XXXX to remove this information by certify mail but XXXX refused to remove it. i called and requested to speak to a manager and got hung up several time ehrn i said i will file a complaint against them with CFPB. XXXX is using deceitful manner to run their business XXXX and transUnion did removed it after their received my letter. i called them to make sure it was deleted from my credit report and it was confirm by their representatives that it was done. at my biggest surprised they listed again because i told XXXX that representatives that XXXX  and XXXX removed that false information why they do not want to do the same. they are horrible companies that need to be closed down