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

Dear Cfpb ; XXXX ; XXXX ; Equifax ; See attachments ... .I 'm not sure why you keep saying that you already verified this public record XXXX as being accurate, whereas, I've contacted all the credit bureaus, courthouses and obtain paperwork where it says that they don't verify nor provide any data to the credit reporting agency. This is reporting in violation and it's unverifiable, also it continues to report with multiple inaccuracies and incomplete info. Again, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 

A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 

Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to Defamation ; Negligent Enhancement of Identity Fraud ; Violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I sent a letters regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Original creditor : XXXX XXXX Bank accnt # XXXX, 15 USC 1681 section 602 A States the rights to privacy. 15 USC 1681 section 604 section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 166B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason. 15 USC 15 USC 6802 B, c, d obligation with respect to disclosure 1681 A and E term investigative needs to be interviewed 1681 D Disclosures portion to request investigative report consumer given explanation to not disclose you have right to opt out. The following Inquiries need to be removed immediately as XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX To Whom It May Concern, I am requesting that you provide information regarding a credit report listing that appears as XXXX XXXXXXXX within my consumer files. Until I fully understand this tradeline, I wont know whether I should dispute either the credit reporting or its underlying debt pursuant to FCRA, FDCPA, or other applicable statues. Please know that I have received authoritative 15 U.S.C. 1679a ( 3 ) assistant in framing and sending this reasonable request and that I stand ready to escalate further should I not receive the information within 15 days because you may have seriously damaged my rights, personal reputation and financial standing. For that reason, I am demanding you very specifically for the following information : Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately. 
Moreover, I am formally requesting that you communicate with me only in writing pursuant to FDCPA or related consumer protections. 
Sincerely XXXX XXXX
Product: Debt collection

Did not receive notice of right to dispute. I have a dispute with a pressure cleaning company who damaged my house paint by using chlorine. I intend to sue them. Debt collector should have given me a notice and right to dispute prior to attempting to collect debt.
Product: Mortgage

Green Tree Servicing ( Called GT here ) owns my mortgage loan. My loan has always been paid early! The issue is that GT 's staff is unable to properly process and credit payments when received even if they are made early.. It is impossible to get help by calling and emailing them. I contact XXXX and they say GT owns the loan and it can not be moved by XXXX even though XXXX owns the loan and pays for servicing. I am stuck with GT. Current I paid the monthly payment as billed per GT statement.Now after XXXX phone calls, XXXX emails, a call to the investment company XXXX XXXX XXXX XXXX in XXXX that owns GT and a call to XXXX my account still does not balance. NO ONE AT GT WHO CAN FIX MY PROBLEM IS AVAILABLE TO TALK WITH ME! Anyone who calls is only allowed to talk with someone who can not take any action and simply types some version of your question and syas it is being sent to " them for review ''
Product: Vehicle loan or lease

Santander consumer USA auto loan is reporting my paid off and closed account as late several months in XXXX and XXXX on all three credit reporting bureaus. I have tried on many occasions to dispute these late payments showing documents proving I was not late only to have the dispute closed and nothing fixed. At this point I feel that the entire account should be deleted from all credit reporting agencies to fix this problem in entirety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I have requested to be opted out from this company reporting of my nonpublic personal information to any third-party nonaffiliates per 15 USC 6802 and the Privacy Act of 1974. Also per IRS publication, a charged-off is considered a certificate of indebtedness and has to be reported as income. Income can not be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/202XXXX XXXX XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to transunion XXXX XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit reporting or other personal consumer reports

Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX City, XXXX, ZIP Code Phone Number XXXX Email Address XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear Experian Disputes Department, Subject : Dispute of Credit Report Entry I am writing to formally dispute an item listed on my credit report. After reviewing my credit report, I noticed the following inaccurate information : Account Name : [ XXXX XXXX XXXX ] Original Creditor [ XXXX XXXX Bank XXXX. 
Account Number : [ XXXX ] Original Balance [ XXXX ] Date of Entry : [ XX/XX/XXXX ] The reason for my dispute is : [ " The account is not mine During year XXXX I was living in XXXX XXXX XXXX XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX This card was sent to the Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX / This Address is not mine " ] I request that you investigate this matter and correct any inaccuracies in my credit report. Please inform me of the results of your investigation and provide an updated copy of my credit report once the correction has been made. 

Thank you for your attention to this matter. 

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

XXXX XXXX XXXX To : XXXX XXXX Tue, XX/XX/XXXX at XXXX XXXX  " Generally, you'll want to keep your oldest accounts active and in good standing in order to prevent them from being closed. '' REALLY? 

I now own my home. It's a disappointing reality that creditors and credit monitoring services are incapable of congratulating debt-free clients. 
Credit score dropped 80+ points because I PAID OFF AND CLOSED MY OWN MORTGAGE ACCOUNT. 
Shame on you... 

XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I consistently and constantly have to report problems so your agency and I have not gotten nothing done so I don't really understand what's the purpose of going through y'all when y'all don't even help us okay I'm submitting documents I'm submitting proof and then nothing is being done on your behalf the cfpb that's supposed to be helping us y'all do nothing this company experience is abusing my credit okay XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX are higher than what they have on my account your question should be asking them why that shows that is inaccuracy on their reports it's no other way to look around it what the XXXX are we calling you people for y'all not even helping us I think y'all work together because it's baffling how people are reaching out to y'all when y'all supposed to be the father of that organization making sure they're doing their due diligence when y'all not doing your due diligence this is directed to cfpb now for the credit company experian i call report what was wrong and nothing g was done so mabe XXXX can have them explain what are all 3 credit scores are different why do the other 3 credit companies don't have a auto loan on my account and experian does this needs to be answered before 30 days im in contact with a lawyer im just keeping records and as far as the cfpb your company really don't help people.
Product: Credit reporting or other personal consumer reports

Equifax Credit, On XX/XX/2024. I submitted an application for financing with XXXXXXXX XXXX XXXX XXXX and the manager share my Equifax credit score XXXX. After two weeks I decided to not to purchase a used car and received three denial letters from the following lenders showing different score from Equifax : XXXX XXXX  showing Equifax score as XXXX, XXXXXXXX XXXX XXXX XXXX as XXXX and XXXX XXXX Equifax score as XXXX. The letters showed them received my scores from Equifax on the same day. 

My issues with Equifax and the lenders that submitted a denial letter to me is simple. Did all the lenders receive their information from the same source or something/ someone different than Equifax . The credit score from each lender is different and they stated its from Equifax. For example, the letter does not state the score was from FICO or XXXX XXXX XXXX and this what I would like them to address. For if four lenders receive my information for credit from Equifax credit, are they supposed to all receive the same credit score on the same day. Please explain.
Product: Debt collection

I was first called by Diversified Consultants, not sent a letter. They left a message. I returned their call. I asked them what they wanted and they started to bore in on me and just yell and talk over me. I was very unappreciative of this and told them it was customer abuse. When I told them that I had a letter from XXXX that said I was not to contact anyone related to XXXX XXXX and this incudes them ) they got mad. It was as if to say that I should violate law and the letter. They also told off my husband and he never spoke to them before that one time. 

When I would try to speak to them they referring to everyone I spoke to, would talk over me even after asking a question. They would not listen to my answers so I stopped talking. at one point I asked a question and they answered with a question. I asked them to please answer my question with a statement and not a question. They refused. They continued this pattern of behavior and to this day now I have them blocked in my phone. so they try restricted calls but my phone blocks those as well. Therefore I am requesting ALL communication in writing. I also informed them I had no further interest in talking to them and am sending them a cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed are reporting inaccurately on my credit report and are not in compliance. XXXX XXXX, XXXX, and Equifax are required under the FCRA to have a copy of the original creditor 's documentation on file to verify the items list

ed below. this is the 3rd investigation, these accounts were never updated properly. I WANT TO REQUEST ONLY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately :  XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/XXXX  XXXX
Product: Debt collection

XXXX2011 for {$320.00} I called the company Pinnacle Credit Services told them several times that this account is not my account because address does not match, city does not match, & I already have a account with XXXX so how do I owe them & I already have account already for 8 years does not make since, Told Pinnacle Credit Services to remove this account from my credit report several times as of today the company has not did so total illegal what this collection company is doing, Pinnacle will say anything to keep the account on credit report even do its not your account.
Product: Credit reporting, credit repair services, or other personal consumer reports

cra violationsent po report and idtheft govnot mine XXXX XXXX and equifax taking more than 30days
Product: Credit reporting or other personal consumer reports

Equifax failed to investigate my account XXXX with XXXX XXXX  after Mutiple attempts of disputing for inaccurate information they failed to do so this falsely manipulates the statute of limitations to investigate this account properly more than twice and allowed this company to put more false updates without doing the proper investigation or providing proper documentation This account was charged off on the following XXXX XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX Showing XXXX current late payments to a paid off account since XXXX please delete Account Number XXXX Reporting current XXXX late payments to closed paid account XXXX Please delete This account was charged off on the following date : XX/XX/XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should active payment history. This inaccurate information falsely manipulates the statute of limitat* investigate this account property after I asked you to do it TWICE and your neglect has viol demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

On or about XX/XX/XXXX I received a notice from the Florida department of motor vehicles advising me that my license was due to be suspended on XX/XX/XXXX due to an unpaid red light ticket. This stated that the ticket was from XXXX and was in collections. 

Prior to this notice to suspend my license I received no prior notices regarding this debt, how it was determined I owed this debt or how to properly go about the validation/ disputing this debt. 

Nonetheless I contacted the collection company Alliance One on XX/XX/XXXX in an attempt to prevent my license from being suspended. I was made aware I have a ticket thats roughly {$350.00} or so dollars ( much larger amount than the clerk of courts website has ) and another ticket was {$6.00}. Once again in order to prevent my license from being suspended I made a payment of XXXX. {$100.00} to the {$350.00} or so balance and {$6.00} to pay the remainder of the older ticket. This payment was supposed to be applied as such. A few days later I checked my DL to make sure everything went thru okay. At this point it said my court requirements were NOT MET and it stated I never made a payment or anything. Meaning at this point my DL was suspended and I had to pay a reinstatement fee. I contacted the courts to confirm and they also stated they see no payments from me to alliance one and that I can not reinstate my license due to nonpayment. I contacted alliance one and was promised a call back. A few days later I checked again and my license was still suspended but now it appeared as if I paid the entire sum on XXXX to the {$350.00} ticket. At this point my license is suspended due to alliance ones failure to properly apply the payment made per our verbal agreement on XX/XX/XXXX. 

I have made 3 separate outbound calls regarding this matter and each time Im told I will receive a call back I have yet to get called back once. I even received an inbound debt collection call from alliance one where I advised them that I will not be taking any further calls or making any further payments until the current issue at hand is rectified.

It has now been almost a month my license is still suspended and alliance one is still refusing to rectify this situation. My next step after this will be to seek legal assistance and also contacting the state of florida regarding this mismanagement.
Product: Money transfer, virtual currency, or money service

I was sending money and when the number wasnt correct once you send the money u no longer get your money back even if its not the right person
Product: Debt collection

I am making this complaint for myself. RESURGENT is not an original creditor. This debt does not belong to me and I've never done business or entered into an agreement with this company. RESURGENT RECEIVABLES LLC harmed my credit reputation by reporting negative collection on my consumer report which is a violation of 15 USC 1692d ( 1 ). RESURGENT RECEIVABLES LLC furnished deceptive forms and pursuant to 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Failure to comply with 15 USC 1692j and 15 USC 1692d ( 1 ) makes RESURGENT liable under 15 USC 1692K, {$1000.00} per violation. Also valuable consideration was never given in regards to my PII and I need to be compensated for the usage of my information. All of my personal identifying information ( PII ), location information, and private property including signatures/autographs hold a value of {$5000.00} in this matter.