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

on XX/XX/XXXX i sent dispute letters to experian, XXXX, and XXXX to verifiy these unfamiliar accounts and inquires on my report. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act experian, XXXX, and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that experian, XXXX and XXXXXXXX post on a credit report. I demanded to see verifiable proof with my signature that experian, XXXX, and XXXX have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if experian, XXXX, and XXXX are unable to provide me a copy of verifiable proof like a contract with my signature 30 days after my dispute then experian, XXXX, and XXXX must remove the account listed below. it is now XXXX almost 60 days since i sent my letter and they haven't even responded by law they must remove all accounts and inquiries listed below. 
The following accounts and inquiries is not mine and needs to be deleted XXXXXXXX XXXX  XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX. XXXX XXXXXXXX XXXX  Account Number : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX Account NumberXXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : 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 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 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 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: Vehicle loan or lease

I am getting mail and letters and also had a judgement on my credit report. The name they have is wrong thats not my name at all. I have asked this attorney to please take this off my account. This attorney continues to harrass me and send letters to me and threaten me for a judgement and now I am also receiving a letter on XX/XX/ harrassing me again stating they are doing another judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

LOANCARE responded with wrong information. 
My Loan with LOANCARE still showing in my credit report with XXXX XXXX On 2012, I have had Chapter XXXX Bankruptcy while I own my house in XXXX XXXX XXXX. XXXX, MD XXXX and I have a mortgage with it, after I received a discharge, my Mortgage did not show in my credit report until LOANCARE ( Loan Number XXXX ) took over my mortgage and I had a complaint against them before and the LOANCARE said that they remove my Loan form my credit report, now I just checked my credit report and LOANCARE still showing in my credit report, I want LOANCARE to remove my loan from my credit report, l was discharged my personal liability for the mortgage because of the Chapter XXXX and I did not do any Reaffirmation Agreement with LOANCARE, I believe the LOANCARE did a violation of the Bankruptcy.
Product: Debt collection

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office
Product: Debt collection

Starting about XXXX of last year ( maybe earlier ) I started disputing National  Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!
Product: Credit reporting or other personal consumer reports

I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX XXXX date last active not reporting correctly shows date of XX/XX/XXXX on XXXX also shows as and open account no active status. XXXX shows last active date on the account as XX/XX/XXXX XXXX shows account type as collection I Sent a letter on XX/XX/XXXX asking for the, to reinvestigate this account XXXX  XXXX XXXX I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 1681I ( 5 ) Can you look into this matter
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for conducting inadequate and misleading investigations into disputes regarding my credit profile. As a consumer, I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but EQUIFAX has failed to fulfill this obligation. Over the course of my recent interactions with EQUIFAX, I have noticed a pattern of what I believe to be sham investigations. My disputes regarding inaccurate information on my credit report were met with superficial responses that did not address the concerns I raised. Specifically : EQUIFAX has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate XXXX dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold EQUIFAX accountable for any violations uncovered during the investigation. Please let me know if additional information or documentation is required to support this complaint. I trust that the CFPB will address this matter with the seriousness it warrants. Thank you for your attention to this issue. Sincerely,
Product: Debt collection

I was covered under the Arizona XXXX program XXXX health care at the time of this hospital bill. The insurance information was provided to the company at the time of service. I was not notified that this account was in arrears or that it would be sent to collections. The bottom line is that XXXX should have been billed for this service, and companies are not allowed to balance bill a patient with XXXX. I checked my credit report today and noticed that I was sent to collections twice by Commonwealth Financial on XXXX/XXXX/17 for {$570.00} and for {$1200.00}.
Product: Credit reporting or other personal consumer reports

I recently checked my credit score with the XXXX credit reporting agencies XXXX, XXXX, Experian & I find that I have been harmed, and violated by the XXXX credit agencies in collusion with XXXX  XXXX under the FDCPA 15 USC 1692 with false and misleading representations I cant get a home or a car & I have asked all three credit reporting agencies to validate that this information is accurate and belongs to me, there has been no validation of this debt, and they will not remove this false information from my credit report. I spoke to this company XXXX  XXXX a couple months ago under the guise that they were an identity theft company that I was waiting to speak with because my identity was compromised by the XXXX XXXX breach but whoever I spoke with lied to me and said that was who they were and at that point I didnt feel comfortable or safe speaking with them so I hung up the phone before verifying what they were I thought it was an over the phone scam next thing I know I received a letter from XXXX XXXX about a debt that I the living flesh and blood man does not owe any obligation to XXXX XXXX for. These false and misleading representations have prevented me from moving forward in life. I cant get a home loan or any other lines of credit at this point. Violating 15 USC 1692. If these items are not removed I intend to sue the credit reporting agencies and XXXX  XXXX for violating my consumer rights under the FDCP Act 15 USC 1692 ( k )
Product: Debt collection

Harris and Harris Limited calls me each and every day about 7 times a day.
They have at least 20+ different phone numbers and keep adding more constantly.
I have saved some of them and can provide records.
False names are being using to get past my caller ID. This is a big issue is they come up with fake names always different each day new numbers. They show up such as " travel rewards '' or something else.
I have my phone set up to ignore callers without names and/or numbers in the caller ID.
As a result they create fake names and call me with those. They only leave recorded messages and no details.
I have told them many times to please put all the details in writing and mail them to my home address but they do not. It is a never ending cycle for over 2 years everyday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, XXXX, and TransUnion Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask the investigation be properly conducted several times. Genssis owns the XXXX XXXX. The first letter XXXX upload was the letter I received from Genesis stating my account was closed with no balance. The top letter and the XXXX XXXX is the same information, The have falsely reported I filed bankruptcy. The company also false reported a derogatory mark XX/XX/2021. I do not have this card I have not had the card since XXXX when they closed my account have I paid it off. The card number was XXXX. XXXX never contacted Genesis during the investigation. Just closed my request for investigation. Sending me to a to a site experian.com/upload that does not accept the documents with case number. I was told to mail to their address. I received an alert today where they close the case less than 30 days. 

Attached documents 1. I have attached the letter from Genesis 2. My list of creditors I include on my bankruptcy excluding Genesis XXXX XXXX caredit card 3. Discharged documents
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This number has called my phone and XXXX in attempts to reach me pretending to be XXXX county. I contacted XXXX county and they said that there is no such case number and that they would not call from a blocked number and hold no offices out of state. The number that reached me called on XX/XX/20 and left a call back number of XXXX
Product: Debt collection

I am writing to dispute an account on my credit report that I do not recognize. The following collection account is not mine, and I am requesting its immediate removal from my credit report : Creditor Name : CREDIT COLLECTION SERVIC Account Number : XXXX Account Type : Collection Responsibility : Individual I have never opened or authorized this debt and believe it may be reported in error or as a result of identity theft. I request that you investigate this matter and delete the account from my credit file, as required under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 1 I sent a letter with verifying information of my identity to experian to release a credit freeze on my name and account number and they have sent a letter saying to continue the freeze send further information I want the freeze released lifted theres no way to contact them by phone
Product: Credit reporting or other personal consumer reports

I am filing this complaint to SYNCB/CHEVRO for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any incorrect accounts from my credit report. Could you verify the documents? Several accounts listed have inaccurate reporting, amounts, and dates.
Product: Mortgage

As of XXXX/XXXX/XXXX I XXXX XXXX have a mortgage with Bank of America XXXX , CO XXXX that I reaffirmed loan in XX/XX/XXXX after bankruptcy in XX/XX/XXXX, with good standing, since. Bank of America has failed to report to all XXXX credit reporting agencies with updates. They 've just removed whole mortgage account from all credit bureaus, is this my punishment! So, that I can not buy another home. 

XXXX/XXXX/XXXX, Bank of America, called me to extend / delay response for XXXX more days. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Child Support should not be on my credit report. XXXX, Transunion, and XXXX sent a notice to child support enforcement/OAG over 20 years ago stating that it is unlawful for Child Support to be on my credit report. This has been unlawful for over 20 years. This did not start from a credit transaction.
Product: Debt collection

XXXX XXXX XXXX are not in compliance with FCRA. They are reporting two debts on my TransUnion credit report that are incorrect. They are incorrectly reporting the " date of first delinquency ''. I have made multiple attempts to correct this problem with XXXX XXXX TransUnion. For both accounts the First date of delinquency is sometime in the year XXXX. They are telling me that XXXX & XXXX of XXXX is when they purchased the debt, and that's the date they are going to report. They said they haven't updated the report since XXXX of XXXX. This incorrect reporting has been affecting my career and ability to make consumer purchases. 
!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over 60 days ago to this bureau and they are disregarding a regular consumer 's disputes. Iv'e been given the run a round and need this to be solved. I'm deeply stressed because this is effecting me heavily and as a single father to a XXXX XXXX, I am trying to better my future but this is holding it up. I have been sending letters before this and still no response.
Product: Debt collection

My son had an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The team 's medic called for an ambulance and he was taken to XXXX XXXXXXXX XXXX ER XXXX XXXX XXXX XXXX There were XXXX separate bills for that event : The ambulance, ER visit, doctor, and XXXX. I had private insurance ( primary ) and I was told to file a claim with the school 's insurance company ( secondary, ) which I did. As I got the bills I called the hospital and was told to wait until both insurance companies paid, and that then I would get my bill for the remainder. I paid the ambulance in full and put the other bills on a payment plan. During the time I was paying off the balance, XXXX Hospital changed companies in charge of payment/billing and that's when mistakes started to happen. Payments that I was making to one account got credited to the wrong account. The hospital 's bills to me didn't reflect the secondary insurance payments which were made -- and I had confirmation numbers from the secondary insurance company to prove it -- but they only noted the primary insurance company 's payments. I was in touch with both insurance companies and the hospital during this time trying to correct the records. I finally confirmed with all parties that the bills were paid in full and filed away my records and copious notes. Thankfully I kept all of them because in XXXX I got a notification from my credit-monitoring service that I had a new negative report on my XXXX credit report from a collections agency in XXXX XXXX ( CCI. ) I had no idea what this was for. ( My credit score is over XXXX. I have no late payments on any of my credit reports from all 3 agencies. ) I was told the collection was for XXXX XXXX. Here is where the action was improper : I had no communication from either XXXX XXXX or CCI that this bill was due or that it was going on my credit report. In fact, if I didn't pay for a credit monitoring system, I would not have know this was on XXXX. I talked to the manager at CCI countless times, emailed him proof that the hospitals billing company had not entered the secondary insurance payments, and he admitted that I should've been notified before this went to XXXX. He said as a " courtesy '' he would take the stain off my record, to which I replied, " it's not a courtesy, it's your obligation, and you harmed me in an unlawful way. '' To make matters worse, I just got another bill from CCI for over {$200.00} for the XXXX Hospital bill. It isn't itemized, it's just a demand that I make a random payment. After everything I've been through with them I don't trust nor believe them.
Product: Credit reporting or other personal consumer reports

Someone attempted to obtain a line of credit fraudulently from this company on XX/XX/year> at XXXX XXXX. 

I reached out to the company and informed them that I did not make the request for credit. I received and email from the company which also displayed an address that was not mine. XXXX XXXX  requested that I provide a police report so that they would close out the account and also update the credit agencies. 

As requested, I provided a police report as requested, but the company refuses to delete my information from their database. Theyve deactivated the account, however, fraud can still take place with a simple request to call into the company to reactivate the account. 

Theyve deactivated account needs to be removed as I never requested credit from this business.