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

I am writing to dispute the inaccurate and misleading reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The account is reported with discrepancies across the three major credit bureaus : XXXX : Last active date is XXXX, listed as collection or charge off. 
XXXX : Last active date is XXXX, listed as collection or charge off. 
TransUnion : Last active date is XXXX, listed as collection or charge off. 

I also wish to highlight that this account was sold without my consent, which is a violation of my right to privacy. Additionally, if the account was indeed sold, I should have been provided with proper documentation, including a 1099 form, which I did not receive. These actions are in direct violation of my consumer rights under federal law. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and fair reporting of consumer information ( 15 U.S.C. 1681e ( b ) ). The discrepancies in the dates last active and the incorrect reporting of the account as a collection or charge off, despite my lack of consent, constitute a violation of this requirement. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) mandates accurate reporting of collection accounts, which has not been followed in this case. 

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The unauthorized sale of my account without proper documentation or my consent is a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. Moreover, the failure to provide a 1099 form or any other relevant documentation if the account was sold violates 15 U.S.C. 1692g, which requires debt collectors to validate and verify debt information accurately.

Request for Immediate Action : In light of these violations, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice via the CFPB from your firm stating that my complaint requesting the erroneous, inaccurate, and incomplete items on my report to be deleted was not me. I assure you that it was in fact me who filed my complaint due to the negligence your company has shown in reference to my credit report and my complaint.. In fact if you do not honor my original request to delete the items contained in my previous letter, dated XX/XX/21 sent via certified mail, I will file a complaint with the Federal Trade Commission against your company. 

This is my 2nd attempt to get this matter resolved. My 1st attempted complaint was sent to the CFPB XX/XX/21. Any further attempts will include additional complaints to the XXXX, FTC as well as my States Attorney General.

The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have had 30 days to complete your investigation, and you have failed to respond with in that given amount of time. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well.
Product: Debt collection

I spoke with a representative from the following compan y : Portfolio Recovery Associates (  collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor   XXXX    XXXX  ) In regards to a negative account on my credit. The representative told me he would make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX   2017 . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX -Social ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   , UT  XXXX  Physical address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX
Product: Debt collection

XXXX XXXX XXXX and XXXX, several other toll free numbers with an XXXX or XXXX prefix, Unknown caller and No caller id calls. 

This company has been calling me for the past year, as recent as XX/XX/year>. They have called as early as XXXX XXXX  and even called after XXXX XXXX  in the evening. 

I have asked them several times not to call me for any reason and to remove my name from their list, and to communicate by writing as I have no debt with this company. Over 90 days ago, before I blocked their number for calling me, I asked for proof of any debt and to this date I have not received anything in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the late payments reported on XXXX XXXX XXXX XXXX XXXX. Experian and XXXX  never reversed them ... They did not even send me any proof as to why they will not correct it.. Please take care of this error and remove the late payment CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For 5 years I have been requesting the permissible permission used to access my credit report in XX/XX/2017. A simple request. WHAT AM I MISSING? I received the attached document which isnt the correct permission used because it is undated. But I keep receiving the same rhetoric from XXXX labeling complaints and requests as duplicate.a hundred times at least. I call the XXXX XXXX numbers which is an exercise in pain & patience. 

I need this for actions against the person that perpetrated the fraud. I hate saying fraud because both companies take off on another tangent. PLEASE DO NOT SEND ME A FRAUD PACKAGE REQUESTING MORE INFORMATION FROM ME WHEN YOU HAD NO RIGHT TO RECEIVE ANYTHING FROM THE BEGINNING. It is very clear both companies had no right to access my credit report at the very beginning with an undated permission, the loan would have never happened, and we wouldnt be talking today. 

And Experian do your own investigation instead of passing the buck to XXXX who repeatedly states they are reporting properly. Are you not the keeper of my private information?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report under the code " 6081o, '' which I believe is inaccurate or non-compliant with the Fair Credit Reporting Act ( FCRA ). The specific entry in question does not reflect the correct information, and I request a thorough investigation into this matter.
Product: Debt collection

I pulled a copy of my credit report and noticed that Ed Financial is reporting that I have 60 late payments with them in which I disputed this with the credit bureaus and received information stating that what 's reporting was accurate. So I send in my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part ; DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating their immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting!
Product: Credit reporting or other personal consumer reports

I have been in the dispute process with CarMax Auto Finance XXXX XXXX XXXX XXXX for months. Initially I began my disputes with detailed letters explaining several FCRA violations that CarMax is in violation of and how the most important one according to " CFR PART 1022 ( REGULATION V ) ''. In addition to several other FCRA law violations that CarMax Auto Finance is in violation of the one I am bringing up is the consumer right to " opt-out ''. I was never provided any opportunity to opt out of public information sharing or third party information sharing by the creditor CarMax Auto Finance. I sent them several letters explaining this law and they refused to acknowledge their violations and the breach of consumer privacy. Furthermore they sent me a copy of a contract of which I reviewed and yet there still was not any opt out form or any form bearing my wet ink signature, CarMax Auto Finance wet ink signature, or any third party non-affiliate signature allowing my personal private information to be shared. After recognizing letters were not working I began disputes with XXXX directly. Since XXXX of 2024 until current all my disputes have been verified as accurate. I even filed a FTC identity theft report and the account still got verified as accurate. On XX/XX/2024 I called XXXX directly specifically the fraud department and asked how is this account being verified as accurate and what paperwork or documents are being provided to you all to verify the account. To my dismay the representative responded and said they do not conduct an investigation, that they send the request to the creditor and the creditor has thirty days to respond. I asked how can you all report an account that impacts my personal life when you all do not review any documentation or contracts and verify that it coincides with federal law. I was told that everything is through the creditor. I requested to speak with an XXXX XXXX XXXX with whom they connected me to a woman by the name of " XXXX ''. I asked the same information, she very dismissively stated the same as the representative had before and claimed XXXX does not conduct any investigations nor reviews documents or contracts for validity in accordance to FCRA law but pretty much they just take the creditors word for it and reports anything. This has caused me emotional and financial strain as it has impacted my credit score, opportunities to obtain credit, jobs and more. CarMax Auto Finance is creating deceptive contracts and violating FCRA and consumer privacy laws as is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX and Equifax are reporting inaccurate payment history on my credit report for XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX. I have never been late on any of these account and asked for these late payments to be removed immediately. Also Equifax has a student loan debt from XXXX/Dept of ED in which I have explained I haven't been to college in 30+ yrs. XXXX And XXXX XXXX removed the account however Equifax has not after repeated request along with a police report attached. There is also a collection on my Equifax account from XXXX XXXX  that can't be verified by 609 fair Credit Act that i have asked them to verify.
Product: Mortgage

My House closed XXXX and XXXX on XX/XX/XXXX. The new buyers are now living in the home to which i have not been paid for nor have my escrow paid off the house. I have contacted Midland Mortgage to request a payoff statement. Multiple request has been made as of XX/XX/XXXX speaking with Reps from Midland mortgage and them guaranteeing me that i would receive the document within XXXX XXXX via Fax to my Escrow company and also upload to my account via their website. 

THIS has not been done and todays date is XX/XX/XXXX. 

I have contacted them again this morning ( XX/XX/XXXX ) and had to go through the same issue. 
Their Reps seem to have a different story every time i call or my Senior Escrow officer calls them. 

Amounts : {$550000.00} PAYOFF Statement Requested dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each PAYOFF request has been made via call to Midland Mortgage providing authorization for my Escrow company and myself to receive this document.

PLEASE let me know next steps and how i should proceed or with Legal actions against Midland Mortage.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXXXXXX
Product: Debt collection

I PAID MY ACCOUNT OVER 8 MONTHS AGO, AFTER BEING TREATED IN A HARMFUL MANNER BY THE STAFF. THEY WERE PRACTICING UNLAWFUL DEBT COLLECTION ACTS. I DO NOT EVEN BELIVE THAT MY ORIGINAL BALANCE AWAS ACTUALLY OWED. THEY WOULD NOT TELL ME OR PROVIDE ME WITH ANY PROOF THAT I ACTUALLY OWED THE DEBT AND THE ACCURATE AMOUNT. I BELIEVE THAT I WAS OVERCHARGED AND IN REULT OVERPAID! THE REPRESENTATIVES WOULD OFTEN GET VERY RUDE AND EITHER HANG UP ON YOU FOR ASKING REASONABLE QUESTIONS OR TRANSFER YOU TO A VOICEMAIL NO ONE WOULD ANSWER. THEY THREATENED ME WITH TAKING THINGS FROM ME FOR NOT PAYING AND THAT I COULD GO TO JAIL FOR IT. THIS ACCOUNT STILL HAS NOT BEEN REMOVED FOR MY CREDIT, ALTHOUGH I HAVE BEEN TOLD BY AT LEAST 3 PEOPLE THAT IT WOULD BE! I HAVE CALLED AND COMPLAINED NUMEROUS TIMES! I HAVE BEEN LIED TO BY THE STAFF ABOUT THE PROCESS! I HAVE NOT EVEN RECEIVED MY REQUESTED PROOF OF PAYMENT! THIS ACCOUNT SHOULD HAVE BEEN OFF MY CREDIT & I SHOULD HAVE HAD A RECEIPT OF PAYMENT BY NOW. THIS IS A VERY SHADY COMPANY. THEY SHOULD NOT BE ALLOWED TO DENY OR FAIL TO PROVIDE A RECEIPT THAT THE CUSTOMER ASKED FOR OVER 8 MONTHS AGO - NOR FAIL TO PROVIDE ANY PROOF OF DEBT OWED. THIS COMPANY IS TELLING LIES OVER A RECORDED PHONE LINE AND THAT IS ILLEGAL. OVER THIS RECODED PHONE LINE, THEIR STAFF OPENLY STATES THAT THEY DID NOT DO THEIR JOB PROPERLY IN RESOLVING THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/20 I contacted American Express to enroll in their program to transition my balance to an installment loan. The Covid 19 pandemic made it impossible to pay the entire balance off, due to my business being temporarily closed. The agreement that was made stated that the balance would be paid over 3 years at {$440.00} per month. This amount includes an agreed upon interest rate that is according to the fair market conditions. I specifically asked if this would be reflected in my credit report and was told that the payments and balance would reflect on my report ( s ). 
On XX/XX/20 I applied for a rental lease agreement and was denied specifically for a large collection account from American Express. Unbeknownst to me American Express had turned my account into a collection and not applied the two payments I had made according to the new agreement. 
American Express is charging off my account and then accepting payments on the balance with interest, and NOT reporting this to my reports. This is fraud in my opinion. Please investigate this, I am in dire need of help. I can not rent with this on my report and my be homeless in 6 weeks. PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a personal loan online on XXXX for {$5000.00}. 
OneMain Financial and several others offered me an approval. 
I picked OneMain Financial because it was closest to my house, and they said they could approve my personal Loan. 
I contact the office in XXXX XXXX, off XXXX XXXX and a XXXX XXXX named XXXX XXXX, she congratulated me and told me I was approved for a {$5000.00} personal loan I would just need to come in with tax returns and paycheck stubs, bank statements, proof of employment, proof of any assets ( bank statements, credit unions, title of car, proof of address, which she said my registration to my car and gas bill was acceptable. 
I rushed in with my info, she spent some time getting my loan through underwriting and went over the disclosure of " where to pay my loan, that some of the money was going to go to pay off my credit card, pay down my other credit card and the remaining would go in my bank account '' On the way out of the office, she was walking me out and Stated that if I was planning to sell my car, to call her and they would release the lien '' I was a little confused, as my understanding was this was a personal loan. 
I did not apply for a title loan, search for a title loan or under the impression that I was getting a title loan. 
I called six months later, with all my payments being current and never have missed one. 
XXXX originally disclosed that if I want to sell my car, just to call her and she would have it released When I called XXXX months down the road she told me that there is nothing she can do to get the lien released, that in order to release the lien I must go and reapply for another loan or have the funds from the sale of the car go directly to OneMain Financial and any remaining balance must be paid in full! 
I was outraged, completely confused and asked to speak to her manager. 
I told XXXX - the branch manager- that XXXX had broken predetory lending laws, in XXXX XXXX ( as even on their website they state they offer personal loans ) that she waited til after the entire process, I was in the parking lot and disclosed a list of things I needed to do to get my lien released. 
which was " sell my car '' 2. Call XXXX 3. XXXX would have lien released. 
XXXX then told me that I could apply for a higher loan amount. Which I rejected XXXX then didnt understand how I couldnt possibly assume this was a title loan. 
I told her I applied for a personal loan, i got approved for a personal loan and was never disclosed that this was a title loan. 
I told her I am not in the profession of personal loans, title loans or auto loans so I did not realize when they told me I was getting a personal loan that that meant a title loan. I told her XXXX asked for my assets and that is the only reason I gave my title of the car as proof that I owned something. 
PLease help me get my lien released as I am trying to sell this car and have a buyer willing to pay {$5000.00} today.
Product: Debt collection

Collection agency can not provide information regarding original office where services were rendered. I have paid all debts in relation to the hospital visit on XXXX/XXXX/13
Product: Debt collection

Allegation of medical debt put on credit report once I contacted the actual company about finishing the procedure. No notice was ever provided before placing on my credit report. 

Once I reported them here ( capital Accounts ) they sent a list of chargea that was supposed to be from XXXX XXXX  ... but never provided anything about notifying me about payment or missed payments. 

They responded that they would remove the item. However XXXX refuses to remove it, depite evidence I submitted. They claim Capital Accounts assures them it is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you and how are you doing during this COVID-19? For the last 90 days i been trying to resolve an issue i see on my credit and supplied every type of documents to the ccb/Children Place due to account that doesn't belong to me. I've asked several times for them to provide detail as shown below and they've failed several times. Again, I have disputed this item with the credit reporting agency and the original company and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also, there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the  alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up 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, credit repair services, or other personal consumer reports

Account was not verified properly. I am not liable for this account.
Product: Debt collection

Company called every day repeatedly as early as XXXX to try to collect a balance that I do not owe.