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

Despite this many attempts to resolve this matter, it remains uncorrected. This letter serves as a formal complaint regarding the persistent failure to address this issue. I have been diligently attempting to correct the late open account error with your institution. Despite my repeated efforts and compliance with all requested procedures, the problem persists. This prolonged failure to resolve the issue is entirely unacceptable.The continuous presence of this error has caused significant stress and inconvenience, impacting my financial standing and eroding my confidence in your institution 's ability to handle such matters effectively. This should involve a thorough review of my account records to identify and correct the discrepancy, as well as the implementation of measures to prevent similar errors in the future. I trust that you will help me with the urgency and seriousness it warrants and take all necessary steps to restore my confidence in your institution. With this, I am asking for your assistance to correct account : XXXX XXXX Balance : {$74.00}.
Product: Mortgage

Carrington has an arm called XXXX XXXX XXXX XXXX, which handles all insurance claims. 

I have complied and submitted all request documents as well as my claim check. The amount of the check was approximately {$11000.00}. The company is now stating they will release 25 % of my claim and I will need to pay for the rest of my repairs out of pocket. My insurance approved a total roof replacement, and their provided quote was over {$18000.00}. 

I explained to XXXX that my home insurance has given me a deadline of XX/XX/XXXX to complete repairs, and they refuse to send me the funds my insurance allocated for the repair. 

I have been unable to speak to my file manager, XXXX. He has left XXXX voicemails and is perpetually unavailable anytime I call. 
The front end CS reps simply read from a script and provide no actual answers. I have spoken with customer advocacy at Carrington as well, and have received no follow up or resolution. 

I am simply requesting my insurance funds be released so that I can adequately repair my home and keep my home insurance in tact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I XXXX XXXX initiated a written dispute with Equifax and asked for their Method Of Validation regarding a fraudulent inquiry from XXXX XXXX XXXX XXXX that was reporting to my Equifax credit report. I've also initiated this same dispute with the Consumer Financial Protection Bureau whose job it is to protect the american consumers against deceptive and abusive acts from credit bureaus and creditors. I've sent proof of these deceptive acts by Equifax to Equifax and to the Consumer Financial Protection Bureau. 
The deceptive acts in question were the re-aging of my U.S. Postal return receipt of my package that was delivered on XX/XX/XXXX. Equifax re-aged the receipt of my dispute to XX/XX/XXXX. 
The tracking numbers on the signed green return receipt match the original sale receipt that was given to me by the U.S. Post Office on XX/XX/XXXX. The second deceptive act and violation of the Fair Debt Collections Practices Act is Equifax did not provide me in writing 15 days after receiving my dispute as to how they verified that the disputed item was indeed accurate. 
As of Today XX/XX/XXXX I just received the response from equifax stating my dispute once again was valid and accurate without providing me their Method Of Validation from 15 days of them receiving my dispute. Since the Consumer Financial Protection Bureau will not do their job protecting the consumer from Equifax and their deceptive acts, I have no choice but to escalate this into a court of law seeking damages such as Defamation, Negligent Enablement of Identity Fraud, Violation of The Fair Debt Collections Practices Act and Violations of The Fair Credit Reporting Act. 
The Consumer Financial Protection Bureau needs to do its job and ask Equifax to provide the Consumer Financial Protection Bureau with the Method of Validation Letter they were supposed to send me 15 days after my dispute was delivered. Under FCRA Section 611 ( a ) ( 6 ) and ( 7 ) I should of received the Method Of Validation I requested under the Fair Credit Reporting Act.

Look at all my receipts which are all accurate, then take a close look at how Equifax has re-aged the stamp of my delivery receipt from XX/XX/XXXX to XX/XX/XXXX.
Product: Student loan

My employer paid XXXX checks towards my student loan ( {$520.00} and {$5200.00} ) as part of an awards program for which I committed to remain at this employer for XXXX more years, on XX/XX/XXXX, when my account was serviced by XXXX. My loan is now serviced by Mohela. I opened a case with the XXXX XXXX XXXX office and they told me I need to handle this with Mohela, not them. I requested copies of the checks from my employer ( which took a a very long time to obtain ). The checks were cashed but the account listed on the endoresement is not my account number. My account number was listed on the pay to the order of line. I have sent them to Mohela and requested a credit on XX/XX/XXXX. The amount has still not been credited to my account and this is going on too long, and I am being charged interest on this amount that is not properly credited to my account.
Product: Credit reporting or other personal consumer reports

On the XXXX XXXX XXXX I was a victim of the credit data breach and I was neither told nor was I alerted on this problem by Equafax. I found out only after I had checked the site for my credit the company gave me the number of XXXX I would like all the information listed on my credit report taken off immediately. Can you correct the problems listed below. 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 Can you please have theses items taken off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because, I continually tried disputing fraudulent and erroneous accounts and personal information directly with the credit bureaus to remove them from my credit profile. The keep saying that the XXXX XXXX and providing them with the information. I have contacted them and they are saying my records are frozen and that no information is being sent from them. I contacted the court and they stated they don't even report to credit. It clear that one of these companies is lying. Especially since the credit bureaus were initially provided with documentation of an affidavit to report the identity theft. I work XXXX XXXX XXXX as a XXXX XXXX and me and my father share the same first and last name even our our middle name starts with the same letter. I did not receive any response to the information provided. When I called I was advise to resubmit the information. This issue is continuing to destroy my identity. They ALL have failed to do my investigation in full and delete ALL the remaining fraudulent accounts on my credit file. In addition, Due to failure in NOT responding is an automatic FCRA violation of them not properly handing my dispute. I am just ready for this nightmare to be over with!
Product: Debt collection

I was a customer of XXXX XXXX for Internet services from XX/XX/XXXX to XX/XX/XXXX, I was at XXXX XXXX XXXX XXXX. XXXX XXXX didn't send me bill for the first 3 months and did cut off my XXXX, when i called they said i didn't pay the bill. I asked for email communication of the bill than paper and also mentioned that i did not receive paper based bill. 
When the representative double checked they told me that they had wrong address in the file. Later i cleared the bill, this happened multiple times, NO bill to address, NO bill via email or link to pay but they say all of a sudden i owe $ XXXX {$250.00}. But i made sure that i pay it. 
Finally, when i moved out of the house there was no balance is what i thought, as i called and cancelled the service too. An year later, around XX/XX/XXXX i got a call from collection agency, i reported dispute saying that, XXXX never sent bills and asked me to pay. Later the collection agency called and said your credit will be effected we will report it and i told i'm fighting for it you can not report until i get answer. Later to save my credit history i paid the amount. 

Today, i still see that in my collection account and as derogatory mark which is hurting my credit score very bad. I'm frustrated on the collection agency and XXXX XXXX for poor communication and even after i paid the amount having record. 
I'm sure they must have had all the recording of my phone call, and if they could provide them i can show you how many times i corrected the address and they had wrong one and didn't send me bill. Please help me clean this dispute from my credit for something that the service provider and their poor workforce done mistake.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX {$2200.00} I have XXXX section 8 the rent was stopped due to landlord not making repairs to the unit. Landlord had 30 days to complete the repairs, it was not done until 3 months later. 
XX/XX/XXXX {$1700.00} same reason as above statement this report should not be on my report.
Product: Credit reporting, credit repair services, 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, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX  XXXX, NJ XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Mortgage

My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this please as my formal complaint to TRANSUNION for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Debt collection

Debt was paid by Veteran Affairs. Since that payment made this debt has been turned over to XXXX different Collection Companies, XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX. It was turned over to XXXX XXXX XXXX. It took XXXX letters informing them that the bill had been paid by the VA had paid the bill. With both letter I enclosed the letter the VA had send to me, stating that the bill had been paid in accordance with Fee regulations, that the amount was payment in full, and that they could not seek additional payment from me. The last letter was sent to XXXX in XXXX 2014. When I got my credit report in XXXX 2014 I noticed that in XXXX XXXX had reported a delinquent account to the Credit Bureaus. So I sent a letter to them along with a copy of the VA letter. Now I have got a notice from Dynamic Recovery Solutions. They state that there client XXXX XXXX XXXX, XXXX is now trying to collect on this debt. I have sent a letter to Dynamic Recovery Solutions and a letter to XXXX XXXX XXXX, XXXX. again informing that this debt was paid by the VA. I have also enclosed a copy of the VA letter. What can be done to stop this harassment, each time this is turned over to a new collection company they report to the credit bureaus a delinquent account.
Product: Debt collection

On XX/XX/2021 I XXXX XXXX validation letter was sent to ( ACI ) AMERICAN CORADIUS INTERNATIONAL LLC This company has only provided a transaction history with both paid and unpaid amount from original creditor XXXX . 
This company/ organization has failed to provide original agreement and exact amount owed plus the following below : What is the dollar amount owed? 
Explain and calculate the amount owed : Provide me with copies of any papers that show that I agreed to pay the amount you are stating is owed : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not yet expired on this account : Provide me with the license that you are allowed to collect within my state : Provide me with your license numbers and Registered Agent or Agent of Service/s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been involved in a number of data breaches and security issues that have previously been reported. I have reported the issues to the follow companies and including a bankruptcy. Crediting Reporting agencies are reporting data incorrectly after being notified. 
XXXX XXXX XXXX XXXX Not Provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TD Bank XXXXTarget Credit XXXX XXXX XXXX XXXX Previously Removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT TN XXXX XXXX XXXX Previously Removed/Not mine XXXX XXXX XXXX account number
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of two entries from my credit report : one for a collection account and another for a charge-off. Both accounts have been inaccurately reported, and I believe these errors need to be corrected. I have already resolved similar issues with XXXX and XXXX, but these entries remain on my TransUnion report. 

Account Details : Collection Account : Creditor Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Date Reported : XX/XX/XXXX This account was sold to a third-party collection agency without my authorization or consent, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA prohibits debt collectors from selling debts to third parties without proper authorization, and I was never notified of this transfer. This is not only a violation of my rights but also an illegal practice. Additionally, this account has been removed from both XXXX and XXXX, yet it remains on my TransUnion report. I respectfully request that this account be removed from TransUnion as well. 

Charge-Off Account : Creditor Name : XXXX Account Number : XXXX Reported Date of Charge-Off : XX/XX/XXXX Furthermore, under New York State law, the statute of limitations for debt collection has been reduced from XXXX years to XXXX years, as per the Consumer Credit Fairness Act. Both of these debts are beyond the applicable statute of limitations and should no longer be reported as charge-offs or collections. 

I respectfully request that TransUnion remove these entries from my credit report in accordance with the updated legal framework and the actions taken by the other credit bureaus. 

If you require any additional documentation or information to process my request, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NY XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I previously sent letters to XXXX, Transunion, and XXXX in the months of XXXX, XXXX, and XXXX about incorrect information about a public record ( bankruptcy ) on my consumer report. However, the credit reporting agencies reported that all provided information was verified as 100 % correct.

I sent a letter to the bankruptcy court and their response is attached. It is clear they do not report and or verify any information to the credit reporting agencies, the information was not verified directly with the clerk of the court.

The reporting requirements do not comply with FCRA 611 ( 15 USC 1681 ) and the information must be deleted immediately.

I have also attached the information as it appears on my consumer report.

Thank you for your attention to this matter. I am committed to ensuring the accuracy of my credit report, as provided for under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 662 states I have the right to privacy ( 15 USC 161 ( section 604a section 2 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 late payment on a credit account under an open end consumer credit plan for any purpose. 


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

I HAVE BEEN AFFECTED BY THE XXXX DATA 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. 

UNAUTHORIZED INQUIRIES : 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/XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to file a formal complaint against Experian, for their refusal to update my personal information on my credit report. On XX/XX/year>, I submitted a personal information update letter to Experian, XXXX, XXXX, requesting the correction of my address and other personal details. This letter was accompanied by the necessary documentation, including a copy of my driver 's license, Social Security card, and a utility bill to verify my address. The document was also notarized. 
However, on XX/XX/year>, I received a response from Experian, stating that my request could not be processed because I did not provide a government ID. This statement is incorrect and misleading, as I had included all required documents, including a government-issued ID, in my initial submission. 
Attached to this complaint, you will find a copy of my original personal information update letter and all supporting documents that were submitted to Experian, I believe that Experian, refusal to update my information is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ) and 15 U.S.C. 1681e ( b ) ( Compliance procedures to ensure maximum possible accuracy ).

Experian, failure to acknowledge and properly review the provided documentation is a direct violation of my rights under the FCRA. According to the FCRA, consumers have the right to dispute inaccurate information on their credit reports and must be provided with a fair and reasonable investigation of their dispute. By ignoring the documentation I provided, XXXX has failed to uphold their obligation to conduct a fair investigation, thereby violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed my FTC report with my police report and all of my personal documents to Experian over 3 times. The account has failed to be removed from my credit report. Their isnt even account number for this account and i know that has to be a violation because how is it even verified in the first place. On XX/XX/2014 for a {$1000.00} this account was fraudulently open. This negative account should not be on my report its effecting my life and hurting me from getting my family a home. I have read up on the FCRA and according to the law this account must be blocked in remove in 4 days. I have included a FTC report and a Identity theft affidavit with a copy of my license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( XXXX ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.
Product: Credit reporting or other personal consumer reports

I contacted XXXX yesterday at XXXX XXXX  and XXXX XXXX XXXX. I was instructed to contact each one, as many times before concerning information about Bankruptcy reporting. Bankruptcies dont report to the credit bureaus. XXXX said they have removed from Credit File. Then XXXX said XXXX is not responding to none of there messages. It is just a back and forth issue between the two companies. XXXX said I did not know what I am talking about. Also, saying no information was received from me. I sent paperwork to them by certified mail and sent by regular mail. These two companies has crooks working for them not knowing what they are doing. Person should not have to keep contacting them so many times. My next step is to contact attorney concerning these two companies.XXXX  sent me paperwork saying they cant verify who I am I sent all that information to them to. Even two bankruptcies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I asked for Experian 's method of verification on XXXX bankruptcies that they are reporting on my credit report. Experian responded on XXXX XXXX that the bankruptcies were verified thought XXXX a third party vendor and that the bankruptcies would remain on my credit report unless I had additional information ( Please see Experian 's response attached ). I reached out to XXXX and they stated that the bankruptcies were removed from their consumer report back in XX/XX/2021 due to a reinvestigation. So, this clearly proves that Experian did not verify these bankruptcies on multiply occasion nor on XX/XX/2021 which is a violation of my FCRA rights. Secondly, Experian asked me to send them additional information that would prove that these bankruptcies are being reported fraudulently on my credit report. I have attached the letter from XXXX as additional information.