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

This account on my credit file are being reported wrong. I am challenging the reporting and compliance of this account. Section 609 of the fair credit reporting act state that all accounts must be 100 % accurate, 100 verifiable, and 100 % complete. This is not the case here. The way this is being reported on my credit report from the creditor/furnisher is a violation of my rights and hurts my credit. 

The account number is incomplete, date open incorrect on 3 different bureaus, the terms are stated incorrect ( shows 1 month ), High balance is missing, still reporting although it states charged off.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account XXXX XXXX XXXXXXXX XXXX amount of {$4300.00}. This collection does not belong to me I have sent XXXX XXXX   XXXX XXXX a debt validation they have not responded and disputed this with XXXX and Experian and collection is still being reported
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX Reported On XXXX XXXX, XXXX  Account Balance {$920.00} : It also states a consumer reporting agency can not furnish an 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 my 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Debt collection

XXXX OH, XXXX has left XXXX voice mails on my cell phone stating they are EIF Collections, a debt collector, and that I should call XXXX extension XXXX. I am assuming this is a fraudulent call, because I have $ -0- debt, other than credit cards, which I pay monthly when the bill comes, and a car payment, which I also pay on time monthly. I just now checked both mine, and my husband 's, free annual credit reports, XXXX, both of which indicated no issues at all. They also did not indicate any credit cards etc., other than those actually opened by ourselves. Thus, thankfully, there is no sign of ID theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company which I hold no contact with nor have received services from reporting a collection account against my SSN in the account of {$1000.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does a contract with me for goods or services they have provide not have they provided adequate proof I am not obligated to pay for the alleged debit.
Product: Credit card

I received an email notification from XXXX XXXX  stating that there was new hard pull on my credit report that I did not authorize this was done on XX/XX/year> at XXXX and it was added to my XXXX credit report that why I am filing this dispute
Product: Vehicle loan or lease

On XX/XX/XXXX I went to XXXXXXXX XXXX XXXX XXXXXXXX ky I bought a XXXX XXXX XXXX paid {$4800.00} down and traded in XXXX XXXX XXXX XXXX XXXX that I owe {$5000.00} on said payments be {$570.00} a month for 42 months. I did not realize they made me pay {$500.00} extra on XX/XX/XXXX and charge Me XXXX  {$2200.00} I dont know what that is? And charge me {$610.00} for gap insurance said it came with the loan wasnt extra? And Im paying 25.49 % apr interest rate loan was for {$15000.00} the loan company is credit acceptance.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file 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

Please be advised this my 2nd complaint regarding this issue with Midwest Recovery Systems. On XX/XX/XXXX I received some alerts regarding a change appearing on my credit reports. Upon checking, I noticed a collection account from Midwest Recovery Systems. The original creditor was XXXX XXXX XXXX XXXX XXXX. I have several issues regarding this. 
1. Midwest Recovery Systems never informed me of them obtaining or purchasing this debt within the initial 5 days with any letter of attempt to collect as per the Fair debt collection Practice Act section 809. This is a violation. 
2. It has been 30 days since I've sent Midwest Recovery Systems an affidavit of denial ( Not letter of Validation ) since the debt never was mine, and I still have not received any correspondence or anything in the mail from Midwest Recovery Systems regarding this debt. 
3.I have since been denied credit because of this inaccurate information that is on my credit report which I'm currently seeking legal advice in an attempt to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several request, to send a written statment, reflecting the reasons for closing my accounts, Bank of America has failed to send such of letter.
All the informations that I have so far, are from the bank employees.
***I WANT TO HAVE A WRITTEN STATEMENT FROM   XXXX   XXXX  , STATING WHY   XXXX   HAS SUDDENLY CLOSE MY TO ACOUNTS.
<P/>
****THIS WAS NO ACCIDENT.
Product: Debt collection

XXXX XXXX  XXXX, XXXX filed lawsuit claiming to represent Bank of America for alleged credit card debt, however they are not cooperating by ignoring discovery rules, not filing mandatory forms, allowed XXXX XXXX XXXX, unknown attorney and possibly a newly appointed judge appear at initial trial conference XX/XX/XXXX and ask for a non jury trial. The court set the trial date with this attorney who did not sign the complaint, is not employed by this firm, in fact is sole proprietor of her own law firm. Certain documents I mailed in a month ago werent posted by court clerk until I sent 4th sets with confirmation signature, court rules are clear. Before a trial is set theres a list of things required. I had car trouble that morning car wouldnt start so I missed the hearing, however the judge had a choice to excuse parties from appearing and utilize the mandatory trial conference form instead. The court rules say its mandatory however the opposing attorney did not file one. He filed an at-issue memo instead. Mandatory due to Covid form is required plus he wasnt there. This firm has been suspected of running a sophisticated scam by working with XXXX and XXXX XXXX collection agency to produce old debt in high volumes to use the courts to get judgements to collect money with proving the debt is owed by consumer. 100-400 complaints signed by robo signers never signed by attorney or even looked at by attorneys. They lie claiming they are retained by Bank of America. The fact that they are attorneys the consumer assumes or is under the impression they cant win, and dont answer the complaint. Well I did answer but how a court grants a trial based on no discovery no contract agreement with my signature not even a bank statement!?? Is beyond me plus to an attorney not a party to lawsuit. Im being denied due process of Law. Substantive. Plus Im judgement proof and attorney was sent proof. He knows I do not have anything but social security benefits, no property, assets, retirement no XXXX savings nothing. He knows I have been permanently XXXX since XX/XX/XXXX yet hes clearly planning to take my government XXXX benefits.
Product: Credit reporting

My complaint is with Equifax. I contacted them in XXXX because I applied for a car loan. My bank told me that my credit report could not be pulled up from Equifax, but they are able to pull my report from XXXX and XXXX. I was told that another person 's record was linked to mine- in order to correct this I was told to submit via fax- a photocopy of my IDs and my social security card. I did. 3 times. I even wrote a letter stating that it was my 3rd time submitting my information. Some time later I call to verify if that items were received -- it was but Equifax could still not pull my report. I was told to contact my bank to ensure that they were reporting my line of credit to Equifax. They have been. I was told that Equifax would correct the issue and it would take a month. I called to check if my record was fixed a few days ago and I was told to contact the XXXX. They were closed. I called yesterday and Equifax never received any of the documents that I had faxed back in XX/XX/2016. I was told to resubmit all the info again! I will be leaving for XXXX and this issue still has not been corrected!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the publication of certain information on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 U.S.C. 1681b, credit reporting agencies may only include information in a consumer 's credit report if there is a permissible purpose defined by law and if the consumer has explicitly authorized it.

In this specific case, I never gave my consent, nor was I presented with any contract or disclosure explicitly authorizing, either in writing or verbally, the publication of the following accounts on my credit report. Therefore, the inclusion of this information is inaccurate and constitutes a violation of my rights as a consumer. 

Accounts in Dispute : Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Creditor Name and Account Number : XXXX  XXXX XXXX ( Reported Date : XX/XX/XXXX ) Furthermore, according to 15 U.S.C. 1681c-2, when a consumer submits a formal identity theft report, credit reporting agencies must block any information identified by the consumer within four business days. Although this case does not involve identity theft, the lack of consent and disclosure reflects a violation of the FCRAs principles requiring accuracy, transparency, and lawful reporting. 

I am also attaching my FTC identity theft report to support my dispute, including the report number : FTC Report Number : XXXX. 

I remind you that under the FCRA, you are required to complete your investigation of this dispute. Failure to comply with these legal requirements may result in additional actions, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any accounts which was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.XXXX XXXXXXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date XXXX : XX/XX/2015 Balance : {$5800.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the accuracy and validity of a repossession and charge-off account reported on my consumer credit report. Despite my efforts to ensure timely payments and maintain accurate records, these entries have negatively impacted my credit score. I am specifically requesting validation of the following : Competent Evidence : Verification of all calculations, accounting audits, dates, and balances related to the account agreements I have with the reporting company.

Validation of Debt : Clear and indisputable documentation of the consumer-credit contract, bearing my lawful signature, which outlines the terms and conditions I agreed to and may have led to any derogatory marks on my account history.

The Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and relevant state laws mandate that all reported information must be accurate and verifiable. In this case, the necessary validation and competent evidence seem to have been overlooked, resulting in the incorrect reporting of the repossession and charge-off status.
Product: Credit card

there was a charge for a hotel thru XXXX that was NOT authorized by myself despite this being booked in my name for a reservation at the end of XXXX. I reached out to my credit card company when I saw the charge filed a dispute- they credited me. Then almost 2 months later approx on XX/XX/XXXX - they re debited my credit card for this unauthorized hotel charge for a hotel that no one has stayed at that XXXX reached out and I confirmed in writing that this was not authorized and was even a future date and the bank has not called me back from their resolution department despite calling them on XX/XX/XXXX that has been almost 10 days I have reached out to follow up at least XXXX diff times via telephone and XXXX + times in writing via their app in which I was told I had to be verified in a branch and I already did that because someone I spoke to on the phone said they couldn't verify me on the phone in which I had to take a whole day off work and goto a branch way far away as they have like no physical locations. Long story short after getting verified in the branch someone didn't properly update notes on my file or whatever so then so much time gets wasted because they tell me they can not talk to me despite me in writing telling them I went there already it took telling them this multiple time for someone to apparently actually read and escalate it or that had access to see, sooo frustrating. I was told on XX/XX/XXXX that because it was within 100 days of the charge still that it would be reopened and they would take the email I got from XXXX that I confirmed it was unauthorized to their chargeback department who asked for this and they still haven't responded. I am told that they have NO way to call in to speak to them, the person on XX/XX/XXXX told me they are outgoing calls only. this is just nuts. 

I am not going to pay for a hotel room someone else tried to charge on my account that my computer had been compromised apparently and I reported this, there was no goods I purchased or received, what so ever. I can not believe that this is happening and that they are making it so difficult for someone that is communicating with them thoroughly this much of a hassle. It has now affected my credit score in a negative way after working diligently for years to restore this after a rough divorce. 

The company has stated that because of the time I reached out to them after this being taken out of my account as they said XXXX is challenging something despite me telling them in writing it was not authorized and this is for a future date how this would be something I would be responsible for. I have never had any issues with a fraudulent charge/unauthorized transactions in my life this is the only time this has ever happened/occurred! 

BMO / ( credit card ) has again not responded, I can not call in to speak to the people I was told must call me on XX/XX/XXXX after I went into a branch and spent a whole day taking time off work just to try to speak to them to hit a road block. I don't know what to do at this point.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued dissatisfaction and frustration with the outcome of my second attempt to remove fraudulent items from my credit file. Despite providing comprehensive documentation and following the necessary procedures outlined by your company, the response I received was inadequate and failed to address the severity of the situation. 

Moreover, the lack of transparency and communication throughout this process has been concerning. I have not been kept informed of the progress made, if any, nor have I been provided with a clear timeline for resolution. This has left me feeling frustrated and uncertain about the status of my credit file.

Assurance that measures will be implemented to prevent similar incidents from occurring in the future, including an evaluation of your company 's procedures and protocols for handling fraud-related issues. 
Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further and seek assistance from regulatory authorities and legal counsel. With this, I am asking for your assistance to remove these fraud items in my credit file : 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: Credit reporting or other personal consumer reports

This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 
XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/2023.
Product: Debt collection

I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.
Product: Credit card

On XX/XX/XXXX, I tried to pay my credit card on the billing due date. Bank of America does not allow you to pay from a bank account that is not a Bank of America checking or savings account in their app. On their website, you can add an external account but the make a payment option is greyed out with no further indication, perhaps while they spend a week verifying your account. Finally, I had to make a phone call to simply pay my account. This caused me to miss my billing due date by an hour and incur interest and credit loss.
Product: Debt collection

I am the co-signer for apartment # XXXX XXXX  at XXXX in XXXX XXXX for tenants XXXX XXXX and XXXX XXXX. They appropriately gave notice and vacated it around the first of XX/XX/XXXX. Their deposit was not returned. A month later, I received a vague bill for $ XXXX girls logged into the account and could not see an itemized bill. I called XXXX, but no one answered or returned my call after leaving a message. I then called XXXX XXXX central billing number from the email about the bill. I stated I wanted an itemized bill to understand what I was being charged for which I have the right to as a consumer. They told me they noted in my electronic file I would pay when the bill was received. I called several times as noted in my phone record which I will be receiving from XXXX within the week. Each time I called, I stated my willingness to pay if I received and itemized bill and the charges were reasonable. I never received it. 
Then XX/XX/XXXX of XXXX I received and email from XXXX collection service. I state the same request that I had told the company upon receiving and reviewing the reasonability of the itemized bill I would pay but not until then. I received it in less than a week and paid. 
However, now our credit scores have been lowered. I called XXXX and asked why. They said it was past 60 days in collections. I asked why I wasn't notified earlier. They said they called but are not allowed to leave messages. They don't send an email until after the 60 days. This to me is completely shady as statistics will show most people don't answer random phone numbers for fear of scams, and to wait after the 60 days when which collections report to credit bureaus before email sets consumers up for having negative impact on their credit scores. I believe the lack of responsible behavior by XXXX  and the shady practices of XXXX are affecting consumers with responsible bill paying history such as myself in a unjustified manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Credit Bureau, This letter is a formal complaint that you are reporting inaccurate personal information. I am confused to see how many different variations of my name, address, employers and even my birth date is being reported. This is highly embarrassing to me and I am reporting to you the correct and legal versions of my personal information i am reporting to you my correct personal information. 
This is my correct personal information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Employers : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # XXXX The following are incorrect and need to be deleted : Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX az XXXX XXXX XXXX  XXXX XXXX XXXX Employers : XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The telephone numbers listed are old and no longer belong to me. I have no home phone, please delete these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax allowed hackers to steal my personal information including DOB, SSN,  former addresses and potentially more. This means that information, which usually never changes, has to now be considered publicly available forever. I know have to be extremely vigilant and am at a high risk for identity theft.