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

I am growing incredibly frustrated by Equifax and their violation of the law. I continually dispute an inaccurate and illegal Lien showing up on my credit report under the public records section and they keep updating it as accurate and sometimes they even change the information around to make it more inaccurate and confusing. 

No where in the other bureaus does public record item # XXXX appear because they are following the law. Equifax is violating it. This lien is not on file! I am not tied to this lien this lien was for a BUSINESS. I have asked Equifax to reinvestigate this and show me how they verified it, but they have no answer for me and keep redirecting me to the XXXX XXXX XXXX. 

There is no proof that this belongs to me, personally. It can not be on my records, this is wrong. This was for a business, I am not the owner of that business. 

Public records are not legally allowed to show such liens anymore. The consumer Financial Protection Bureau executed a law against this very kind of this effectiveXXXX XXXX, XXXX. 

No social security number can be verified, no complete address or name. so how is this being tied to be? I have been matched to it illegally because in the past I was associated with a business, but this has nothing to do with me. 

PLEASE SEE ATTACHMENTS FOR EXPLANATION : Since XXXX i have disputed this item over and over again and on XXXX XXXX, XXXX I sent another dipsute asking for a full investigation and deletion via Certified Mail Return Receipt Requests, and on XXXX XXXX, XXXX a XXXX XXXX accepted my letter and on XXXX XXXX, XXXX they responded with a claim that it was verified and that this time the amount is not {$120000.00} it is {$12000.00}! 

WHAT IS GOING ON? Who is investigating this, changing the information around and verifing this in merely 3-4 days? How is this possible? The new laws STATE that all information must be verified with the clerk and be no more than 90 days old. Who verified this? who changed it? who went to the county? If there is a bogus system at work here it is matching the WRONG people to the WRONG information and harming their credit reports. Why is it that Equifax is the only one form all 4 bureaus having this issue? It took one simple dispute with the other agencies for them to see that it is not MY lien! This is a business account. 

I have attached the conflicting reports to this dispute. Please note that the screen shot showing the public record item was taken TODAY and even though Equifax now claims this lien is not {$120000.00} it is {$12000.00} it is STILL reported as {$120000.00}. I just want to show that they are truly unorganized, unprofessional. This is costing me hundreds of thousands of dollars because I am being denied credit and refinances because of this inaccurate an illegal lien. 

WHO WILL HELP?
Product: Debt collection

I have received notice of debt owed by a company called Midland Credit Management in the amount of {$4600.00}, original creditor of XXXX XXXX. 6 months ago, as my health was fading I reached out to XXXX online in regards to me being XXXX XXXX XXXXXXXX and requesting hardship or help in some way. I was ignored and the debt was sold. In the terms of the card, it states there are remedies if you become XXXX but I guess it doesn't apply to Veterans. The balance just goes up and the debt is sold. Why was my request ignored and why does the balance continue to grow? This is shameful, I am a XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

NOTICE TO INTENT TO SUE United States Certified Mail Receipt Number : XXXX Effective Date : XX/XX/year> Defendant : TransUnion LLC XXXX XXXX XXXX XXXX XXXX IL XXXX Settlement Demands : Payment in the amount of XXXX XXXX XXXX ( {$25000.00} ) for severe damages and laws broken as outlined in the attached Exhibit A - Civil Liabilities. Please remittance via cashiers check, made payable to XXXX XXXX, mail to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Complete deletion of accounts in Exhibit B Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S Code 1681a ( 2 ) - reporting of excluded information ; 15 U.S Code 1681b ( 2 ) - furnishing consumer report under no permissible purpose ; 15 U.S Code 1681c ( 5 ) - reporting adverse information ; 15 U.S Code 1681e ( B ) - failure to follow reason procedures to assure accuracy of consumer report Liability : Pursuant to Fair Credit Reporting Act 15 U.S Code 1681n - Civil liability for willful noncompliance This offer to cure and/or settle this matter outside of court and avoid a lawsuit is valid for 10 days from the Effective Date. 

Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act Without Prejudice,
Product: Credit card or prepaid card

I had requested to set up a payment plan since i lost my job, and american express had a agreed to it and still sent a late payment to my credit score even after i paid the bill on time. 


XX/XX/2017 XX/XX/2017 Late Payment Remark after company agreed to payment arrangement
Product: Checking or savings account

Citi suddenly closed my checking account, stating that they terminated the banking relationship with me. However, they also blocked my online access to my Citi credit card while I was still an active user. As a result, I have lost access to control of my credit card account. The instructions provided Citi customer service could not resolve this issue- my access is still blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that I can't locate on my report being reported as late within the last year. I've checked my accounts over and over and none reflect this late payment that is hindering me from purchasing my home. When my lender pulls my report, XXXX is stating the date of my last late payment was XX/XX/XXXX ( no account reflects this ) .Equifax is reporting my last late payment was XX/XX/XXXX ( no account reflects this ) I haven't had any late payments so my payment history should be reported accurately or the account that was supposedly late should reflect that so I can dispute it.
Product: Credit reporting or other personal consumer reports

When logging into my app which is XXXX XXXX with XXXX XXXX, it asked me to pay a minimum balance of {$170.00}. Upon paying that amount what was due it than said I owed {$26.00} and marked my account as late and delinquent. I have never missed a payment as being an business owner in this matter, Also this account is a business account which shouldn't be reporting on to my personal credit at all. I've have reached out to the company they told me that they were disputing this situation due to their mistake of an technical issue from their company 's app, but instead of removing the entire account from my personal credit report they only updated the remarks on this situation which is still inaccurate information. This issue has left me homeless I was in the middle of closing on a purchase for my home for me and my family, and was unable to do so due to the derogatory which dropped my credit score over XXXX points on all 3 credit reports. I lost out on my escrow money because of this derogatory item on my credit report as well which again took away from me and my family. This is against my civil rights they failed to comply according to 15 USC 623 a code, I can not apply for anything nor am I able to provide for my family in this matter due to them not removing this account from my credit report for their mistake. I have proof of screenshots from the inaccurate reporting as well as they have numerous of recorded calls of me trying to resolve this issue. The screenshot will show as well the different errors in what's due each month as well as them only updating the remark and not complying to them telling me they will put in the dispute to have this account removed from my credit report.
Product: Checking or savings account

I am writing to file a formal complaint against XXXX  regarding their handling of a fraudulent activity that has affected me financially. Despite raising my concerns and providing evidence of the company 's involvement in fraudulent practices, XXXX  dismissed my complaint without conducting a thorough investigation or taking appropriate action to address the issue. 

The issue at hand revolves around the fraudulent use of false merchant category codes by a merchant, which resulted in financial loss for both myself and XXXX. I believe that XXXX  knowingly allowed and facilitated this fraudulent activity, as they failed to take appropriate measures to detect and prevent such actions. 

I initially approached XXXX  with my complaint, providing them with detailed information and evidence of the fraudulent transactions. However, their response was dismissive and lacked any meaningful investigation into the matter. This disregard for my concerns and failure to take responsibility for their role in allowing this fraud to occur is deeply concerning. 

I request that the Consumer Financial Protection Bureau thoroughly investigates this matter to hold XXXX  accountable for their actions. It is essential to protect consumers like myself from unscrupulous practices and to ensure that financial institutions are held to the highest standards of integrity and responsibility. 

Furthermore, I urge the Consumer Financial Protection Bureau to consider the impact of this fraudulent activity on other potential victims. It is crucial to prevent similar incidents from occurring in the future by implementing stricter regulations and monitoring practices for merchant category codes. 

In light of the financial losses and emotional distress I have experienced as a result of XXXX  's negligence, I also request fair and just compensation for the damages incurred. While I understand that this may be subject to your discretion and the applicable laws and regulations, I believe it is important to address the harm caused by XXXX XXXX  failure to adequately protect their customers.

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take appropriate action to investigate and address the fraudulent practices conducted by XXXX. I look forward to a prompt response and resolution to this complaint. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter stating that the following accounts are incorrect/inaccurate. According to the Fair Credit Reporting Act ( FCRA ), if there is an error, if it can not be proven of verified, or if a grace or pardon is extended by the creditor the negative item must be removed. However, you responded that it was verified as accurate. You stated that you verified the following accounts with the source of information. XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account # XXXX. 

I have highlighted everything on the attached credit report from TransUnion that is incorrect/inaccurate data. Please do not use E-Oscar as I request that you physically investigate these items on my credit file with a physical person. I request that you provide the name and number of the person you spoke with from agency.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent out a letter to the three Credit Companies Equifax, XXXX, and XXXX asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to Equifax, XXXX, and XXXX. I attached Letters as well to my complaint.
Product: Vehicle loan or lease

In XXXX I brought a car in XXXX ga. From SNAAC I fell behind in payments due financial hardship with my military pay. I tried several times to ask the company for help or set up reasonable payments I was paying XXXX for XXXX XXXXXXXX XXXX. They called and harrassed me threatening to pick up my car and lying to my command that I wasnt cooperating with them and got me in trouble. I got out of the XXXX XXXX XXXX and I have them a call again to ask can the payments be lower because I was discharged from the XXXX and I was bed rest for the remainder of my XXXX. They decline and harassed me and call my family members tell them to pay my car note or they will take. They repossessed my car and then double the price to get it back. I had to borrow money from family to get the car back because I had no transportation with XXXX babies. They damage the vehicle stole radio out and damage the frame of the car towing it. All my items for missing from my car as well.They only paid for the radio and threatening me if if I called them back to fix my car they will come back and take it. They made me sign a ridiculous contract to get my car back and I did I was unemployed and XXXX XXXX XXXX with no car and no family. XX/XX/XXXX my XXXX XXXX I had my daughter 6 months early and I was hospitalized for a month and my daughter  was in the XXXX for 3 months I missed my payment due to my XXXX XXXX. They stop answering my phone calls for me and sold my car at the auction and then call me back a year later pay the balance. Please help me this has ruin my credit and this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I received an advertisement for a promotional offer from US Bank Account Card Services ( Visa Card ). In brevity, the promotional offer offered new customer/s who opened an account with US Bank to receive {$200.00} Cash Back Bonus if the customer/s spend over {$500.00} within 60 days from date of opening the account. Therefore, I applied for the US Bank Visa credit card through US Bank online website and was immediately approved. 

On XXXX, I received the US Bank Visa Credit Card and activated the account. Although the transaction was difficult due to US Bank website debacles, I was finally able to activate the account after over 5 attempts. Immediately following the activation I received a survey regarding the Customer Service. On the survey I shared my dissatisfaction due to the debacles and online service problems that US Bank was attempting to resolve. US Bank service representative XXXX XXXX contacted me in regards to the survey. I explained the issues that US Bank had and although XXXX XXXX remedied the issue temporarily, my second and third communication with XXXX ended in complete disarray as XXXX was rude and unprofessional to say the least. 

As I requested to communicate in writing for quality assurance and to avoid any miscommunication, XXXX stated that he would provide me with an email address which he NEVER did. Instead, XXXX disconnected my call abruptly and refused to resolve client/merchant issues with my account. 

Be that as it may, I have accumulated over XXXX rewards points equivalent to a cash value of over {$250.00}. However, US Bank and XXXX XXXX are refusing to allow me to redeem my rewards points for cash.
Product: Credit card or prepaid card

This complaint is in reference to my first complaint # XXXX and Bank of America 's lack of response. I filed the complaint to get a letter asking for more time. Since then I have heard nothing. I would like to have a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint will be my follow-up to make sure that these items that are reported to my credit file are removed : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} Make sure that the aforementioned items are removed from my file
Product: Checking or savings account

On XX/XX/XXXX I made a deposit into my checking account at XXXX XXXX via the ATM machine for the amount of {$120.00} to make my balance a total of XXXX to cover a payment that was going to be coming out of my account on Wednesday. The bank ended up having issues with the deposits posting to accounts via the ATM machine and my car payment was returned to as a NSF because the deposit had not been posted to the account. No one from the bank reached out to me once they knew the atm had an issue to say that they was going to be working on it or anything. I got text messages from the bank stating I had a pending credit of {$120.00} on Monday, Tuesday, and Wednesday. I logged into my account online on XX/XX/XXXX only to find out that my car payment was returned due to nsf. Which didnt many any sense to me because I made a deposit for the amount to cover the payment that was coming in. When I contacted the bank the first rep I spoke to on the phone hung up on me and the second rep didnt help at all. I asked both reps for a supervisor to be able to assist me and to help me to be able to understand why they didnt go ahead and allow my payment to be made to XXXX because they knew they had issues with the deposits. The bank went into my account and cleaned up my account making it look like I made a deposit on Thursday when I made it on Monday which was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. *** XXXX   XXXX**** ; XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX**** ; XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX**** ; XXXX XXXX****
Product: Credit card or prepaid card

I bought a new iwatch two for XXXX dollars and change total witb a new Barclays credit i had obtained to improve my credit score. After two weeks I decided that it would be best to pay it off because i could miss i payment and that would be worst than trying to incresase my score by a few points, so did. 3-4 weeks later i call to see if my balance was indeed at XXXX. Surprising, my balance was over my approved credit limit. I call again in a week to see the satus of my disputed fradudelent charges and they ask me so many privacy questions ( at least 5 ) and apparently i answered one incorrectly so i get locked out of my account. I then had to mail them a copy of my id, bank statement, and social security card, not once but twice, while, my fraudulent charges where never issued a credit so although i did not owe them anymoney- i did. So not to get a late payment i sent in two payments as they requested. My onlynproblem is that they have marked one of them as 30 days lare.
Product: Debt collection

I started receiving phone calls all day long, hangs up, recorded messages, various threats messages recorded, after I opted out through text. I received message of debt as a charge off, originally. Attempted to dispute debt on credit bureau website. No account with company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ActXXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for XXXX XXXX XXXX XXXX XXXX XXXX, Inaccurate Reporting, and Violations of FCRA & CFPB Guidelines Complaint Summary : I am filing this complaint against Experian for continuously verifying inaccurate information on my credit report despite multiple disputes and requests for a Method of Verification ( MOV ) as required under the Fair Credit Reporting Act ( FCRA ) and CFPB guidelines. 

I have provided Experian with detailed disputes regarding inaccuracies related to accounts discharged in XXXX, inaccurate charge-offs, and duplicate reporting of delinquencies. Despite these disputes, Experian has : 1. Failed to conduct a proper reinvestigation as required under FCRA Section 611.

2. Failed to provide a clear and complete Method of Verification ( MOV ) as required. 
3. Continuously verified inaccurate information without proper validation.

4. Failed to manually review the accounts upon request.

Specific Issues : 1. Misreporting of Accounts XXXX : Accounts that were included in my bankruptcy have continued to report inaccurate balances, charge-offs, and late payments post-discharge, which is a clear violation of the FCRA. This includes accounts from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. 
2. Failure to Provide MOV : I have submitted multiple requests for Method of Verification ( MOV ) to Experian, specifically requesting a manual review of the disputed accounts and documentation to support the continued reporting. Experian has failed to provide this information.

3. Auto-Verification without Investigation : Experian continues to auto-verify information from creditors, without performing a manual review of the documents or providing proper validation. This suggests a sham investigation, similar to recent CFPB lawsuits against credit bureaus for violations of FCRA and inaccurate reporting practices. 

Violation of Rights : Under 15 U.S. Code 1681i - Procedure in case of disputed accuracy, Experian is obligated to : Conduct a reasonable reinvestigation within 30 days of receiving a dispute.

Provide a Method of Verification ( MOV ) to the consumer when requested. 
Correct or delete inaccurate information. 

Evidence Included : XXXX XXXX XXXX from Experian showing discrepancies and continued misreporting. 
XXXX. Method of XXXX ( MOV ) requests sent to Experian ( dated and documented ). 
XXXX. Correspondence with creditors and proof of bankruptcy discharge. 
XXXX. Court documents indicating that bankruptcy courts do not report to credit bureaus. 
XXXX. SEC filings indicating that some debts XXXX have been securitized and sold, meaning the reporting creditor no longer owns the debt.