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

Requesting Tax Documents Companies list accounts as the following " Account charged off, I did not receive a 1099C, Companies are still reporting that I have balances. I am requesting the 1099C.

UCC 3-306 UCC 9-210 FCRA 609 & 611 I have received a copy of my credit report and after reviewing my credit report I hereby respectfully dispute and demand the immediate deletion of the following inaccurate items pursuant to 15 USC 1681 sec.611 of the FCRA # 1 & 4 . FACT : The FDCPA & FCRA is to secure my right to privacy.

FACT : The FDCPA & FCRA protects consumers from having their reputation ruined by Debt Collectors. ( This violation has occurred via debt collectors posting on my consumer report without my written permission ). FACT : The FDCPA & FCRA is in place to protect my rights against abusive debt collectors. FACT : Affidavit has proof in exhibit A that the following debt collector ( s ) has violated 15 USC 1692B ( as they are not allowed to say that this is an attempt to collect a debt which I deem to be harassment and abuse ). 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission, CFPB, OCC, FDIC, XXXX  and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. I am sure you are well aware of the Class Action Lawsuit ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried several times over the last four to six weeks to link my PNC account to XXXX   through the XXXX service. XXXX  claims that PNC has made changes to their service and thus can no longer be linked to. This has happened with both XXXX and XXXX XXXX both use the XXXX  service to link bank accounts XXXX. I have spoken with PNC and they have sent me to XXXX, claiming it was an issue with their system.
Product: Debt collection

I have written Waypoint 2 disputes so far, and I've received nothing in the mail from them at all, no response! This is outrageous! They are reporting to MY CREDIT and they haven't sent me anything at all! This is a violation of the FCRA! Their non response is also a violation of the FCRA! They have reported a disputed debt, a violation of the FDCPA! They are flagrantly violating the law, and they have sent me none of the documentation they are required by law to send to me! PLEASE HELP ME!
Product: Credit card or prepaid card

I have two areas of Concern. 

1st - For my Pentagon Federal Credit Union XXXX Credit Card on XX/XX/XXXX I received a 12 month 0 % balance transfer of {$9000.00} to help pay off another credit card. I have been paying on this credit card for 10 months. The expiration of the 0 % transfer is due to expire on XX/XX/XXXX according to my statements. On XX/XX/XXXX I called Pentagon Federal inquiring on another balance transfer for another 12 months at 0 %. In the discussion the attendant told me that any payments would buy down the first 0 % balance transfer made on XX/XX/XXXX as long as no interest or other purchases were made. I then decided, on XX/XX/XXXX to have another 0 % balance transfer of {$6000.00} to help pay off another credit card. I paid {$950.00} that month and all the money, minus balance transfer fee, went to the XX/XX/XXXX balance transfer. On my XX/XX/XXXX statement I made another {$950.00} payment where {$580.00} went to my XX/XX/XXXX balance transfer and only {$180.00} went to help pay off my XX/XX/XXXX transfer. I called Pentagon Federal on XX/XX/XXXX and asked why it was not paying off my 1st transfer and they said something about congressional calculations and they had no way of fixing or having my payments go first to the promotion XX/XX/XXXX transfer. In this case I will be paying interest on the first balance transfer until I have both balance transfers closed out. This was not explained to me and Pentagon Federal said they could not " allocate '' how the payments are done. Please help me with this as I never intended to a 0 % balance transfer cost me any interest. They are not taking the Expiration date of the 0 % balance XX/XX/XXXX into account and not considering that I still have 10 months to pay off the other XX/XX/XXXX balance transfer at 0 %. It looks like they are penalizing me on having two 0 % balance transfers. 

2nd Additionally on a separate note, It appears they changed the expiration date for both transfers from the XX/XX/XXXX and XX/XX/XXXX Statements confusing me as to when the expiration of each promotion was to end.
Product: Debt collection

I AM ON PAYMENT ARRANGEMENTS WITH THIS COMPLANT. I WAS NOT GIVEN CORRENT INFORMATIOMN REGARDNING PAYMENT ARRANGEMENT AND THIS COMPANT PUT MY ACCOUNT IN COLLECTION ON MY CREDIT FILE. I CALLED AND SPOKE WITH A REPRESENTATIVE WHO PUT MY ACCOUNT ON A NEW ARRANGEMENT. PLEASE TAKE THIS ACCOUNT OFF MY CREDIT REPORT AS COLLECTION!
Product: Credit reporting 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX 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.

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 XXXX 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: Mortgage

Wells Fargo failed to properly credit my mortgage payments. On XX/XX/XXXX Wells Fargo Bank filed a Notice of Default for {$10000.00} which is incorrect. I contacted Wells Fargo once I received the Notice of Default and the Debt Validation at the same time and requested the date of the last mortgage payment. Wells Fargo stated that the last payment was in XX/XX/XXXX, however, it was credited for XX/XX/XXXX, because they had not received a mortgage in XX/XX/XXXX. I located the XX/XX/XXXX mortgage payment which was paid inside of Wells Fargo Branch on XX/XX/XXXX. Previous to the Notice of Default I did not receive a Notice of Intent to Foreclose from Wells Fargo, therefore I requested to see it along with the payment history. The Notice of Intent that I received was incorrect in the amount being requested, moreover, it appeared to be newly created, it was dated XX/XX/XXXX and stated the last XXXX payments had not been received? When Wells Fargo Bank had received XX/XX/XXXX payment. The payment history that I received is impossible to read even with a magnifying class.
Product: Credit reporting, credit repair services, or other personal consumer reports

Firstly I have great credit XXXX/XXXX score bought new XXXX last year elite credit. Now my score is ruined because of XXXX XXXX. I recently moved to Florida and had to buy everything new for my apt . I had several store card purchases and offers. I do everything online. I did not get the bill sent but I eventually saw an alert. They had an incorrect address. I signed up for auto pay for All the accounts. I selected all accept one that is {$0.00} on the top it did not say that the XXXX XXXX needed autopay to be added. You clearly see that but it was not. I selected before with the others the XXXX XXXX. There is an issue to use the auto pay. This caused me to be late. I received call from them long after it was over 30 days. I said you never sent me an alert that payment was missed. They said they were going to listen to calls and get back to me. They never did and still charged me 2 month of late fees. They saw again in the system that I attempt to do the auto pay XX/XX/XXXX but it would not accept my checking account it finally went through as a savings account and its not this month. I was on the phone over an hour. The last rep said he could see in the system I attempted to do it. Thats why he credited me one late fee. He said only 1 per year hes only allowed. They also XXXX XXXX keep sending bills to my job and I told them stop. They never fix it. Violation of my privacy. I call XXXX XXXX and no one helps me to figure it out or fix it. I have auto pay issues recent for new accounts otherwise I pay always within 30 days. Never over.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company refuses to tell the whole story- eliminating critical data which favors the borrower and any lender may wish to see. They in effect provide an incomplete statement and misleading! " This item already reflects that it has been paid. Whether the item was paid in full or paid in settlement, this item can not be disputed using this reason since it is already reflecting as Paid. In paying this obligation if you did not meet the terms of your agreement, in addition to reflecting as " paid, '' the account may also indicate the number of days you were late with your payments, including whether your account was Charged Off or in Collections prior to being paid. '' The rest of the story the fact is this lender NEVER attempted to resolve the debt even after multiple attempts at contact. CFPB reports opened as well as with other agencies.
Product: Credit reporting or other personal consumer reports

16 inaccurate and out dated addresses is being reported.
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 confidentality under 15 USC 1681. 

XXXX XXXX XXXX : has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 It also states a consumer reporting agency can not furnish accounts without wriiten instructions.

15 USC 1681C ( A ) ( 5 ) section states no consumer reporting agency may make any consumer report c ontaining any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 681-2 ( A ) ( 1 ) A person shall not furnished any infomation relating to consumer repairing agency if the person knows or has reasonablecause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 XXXX XXXX XXXX XXXX stated that I owed them {$11000.00}. I have never had an account with them nor done any business with this company. Please remove.
Product: Money transfer, virtual currency, or money service

Hello. I was lured and scammed into paying someone XXXX} through XXXX  on XXXX XXXX. I was selling furniture on XXXX XXXX, and the buyer wanted to pay through XXXX. I received an email that XXXX would not accept payments over XXXX} because i needed to upgrade to a business XXXX account. The buyer proceeded to send me {XXXX} and i received an email that she had sent {XXXX}. She proceeded to demand i refund her the XXXX  to upgrade my XXXX  account to a business XXXX account. I ended up paying her XXXX to refund the amount that appeared to have been paid to me. I realized it was a scam a few minutes later and immediately called my bank ( PNC ) to cancel the transaction within minutes. By that time it was too late and the bank refused to assist with the scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, eliminate the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

A Lein was placed on my account from 20 years ago on a charge thats been paid and the money in my account was from an accident settlement and child support payments as Im unemployed.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified several accounts that are reporting late payments inaccurately. I have contacted the companies associated with these accounts, and they have confirmed that the late payments were errors and have agreed to update my account and remove the late payments. I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. 

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

CREDIT REPORTING ERRORS AS PER ATTACHED LETTERS UNAUTHORIZED INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account with the credit bureaus and each time the investigation came back as 'verified '. I decided to go directly to the creditor reporting and dispute with them. The creditor was not able to provide any form of documentation to verify this specific account with me. If they are not able to verify this account with me - the alleged account holder - there is no way you were able to verify this! I'm invoking my rights as a consumer under Federal Law and they are choosing to blatantly just ignore me. That's why I am filing this complaint
Product: Debt collection

In XX/XX/XXXX, I attended the 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  This seemed like an acceptable arrangement to me. 

However, XXXX terminated my employment for unknown reasons on XX/XX/XXXX, by email. Within minutes of receiving the termination notice, I contacted XXXX XXXXXXXX the driver manager that sent the notice, and asked for the reason for the termination. He never replied. There also was no response from XXXX human resources as to the reason of the termination. 

In the first week of XX/XX/XXXX, XXXX contacted me twice by phone to request I reimburse the company nearly {$6000.00} for training. I asked the first XXXX representative, who identified herself as XXXX, to stop calling me and send the demand for reimbursement in writing as I would respond in writing that I didn't feel I owed the debt. No written demands were received at this time from XXXX. 

The next caller a few days ago identified herself as being from XXXX XXXX in XXXXXXXX XXXX. I informed her that I had already told XXXX that I wanted the demand in writing and not to call. This representative informed me that she could call me because she was from another division of XXXX. Obviously, I don't agree with her assessment of the situation. At any rate, I again informed her to stop telephoning me and send me a demand in writing as I didn't feel I owed nearly {$6000.00} for training. 

A week later, this same person from XXXX XXXX called again. I informed her that a registered letter was sent to the Vice President and General Counsel of XXXX relating my position, objecting to the debt, objecting to any negative report to credit reporting agencies, and demanding XXXX and its agents stop calling, only contacting me in writing. 

On XX/XX/XXXX, I received a letter from XXXX XXXX saying I owed a debt of nearly {$6000.00} for XXXX XXXX XXXX. I responded with a letter providing the reasons for why I didn't feel I owed the debt and objecting to any negative report to credit reporting agencies. 

On XX/XX/XXXX, I received a letter from Lockhart , Morris & Montgomery, a collections agency in XXXXXXXX XXXX again demanding payment for the debt. On XX/XX/XXXX, it appears Lockhart , Morris & Montgomery have reported this debt to credit reporting agencies, resulting in a reduction of my credit score by XXXX, in violation of the Fair Debt Collections Practices Act. 

I feel XXXX XXXX XXXX and Lockhart , Morris & Montgomery are simply engaging in a systematic campaign of harassment in violation of the Fair Debt Collections and Practices Act.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 I noticed some loans listed on my credit report that have been listed without my written consent. I have notified Transunion and they have denied taking these loans off of my report. According to 15 USC 1681, they should have removed these loans since they are inaccurate, disuputed by me, and have chosen to not respond in an appropriate manner. Additionally, Transunion states that I did not give them : Reason 1 : Your request is missing essential personal identifying information Reason 2 : Account specific information such as name of creditor, account numbers or other account details that would allow us to complete your request was not included Reason XXXX : The description of the identity theft was too vague and/or did not include specific information related to the identity theft, including the dates the fraud occurred. 

All of this was attached and included in my original complaint as they will also be attached AGAIN to this complain.
Product: Credit reporting or other personal consumer reports

I am writing to formally address multiple unresolved issues with the information on my credit report, despite previous communications and disputes I filed regarding inaccuracies. I initially reached out to EXPERIAN to correct discrepancies in my credit report, including errors with the dates of last payments, dates accounts were opened, payment history, and account status. After providing you with supporting documentation, I was assured that an exhaustive examination had been conducted. However, as of today, my credit report remains unchanged, and the errors I reported are still present. Furthermore, I have noticed that negative actions have been taken on my credit report, despite the unresolved inaccuracies. 

My full name is XXXX XXXX XXXX, and my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. My date of birth is XXXX a consumer, I have the right to dispute inaccurate or incomplete information on my credit report under the Fair Credit Reporting Act ( FCRA ). Under 15 U.S.C. 1681e ( b ), XXXX is required to maintain reasonable procedures to ensure the accuracy of the information provided. Since I submitted clear evidence of inaccuracies, your failure to correct these errors constitutes a violation of this requirement. Under 15 U.S.C. 1681i, when a consumer disputes information on their report, EXPERIAN must investigate the dispute within 30 days. It has been over 30 days since I filed my dispute, and I have not received any update or resolution. This delay in investigation and failure to provide a clear response is a violation of my rights.

Additionally, under 15 U.S.C. 1681 ( a ), my right to privacy is protected, and under 15 U.S.C. 1681b, a consumer report can not be furnished without my written consent unless specific exceptions apply. If any information from my credit report has been accessed or shared with third parties without my explicit consent, this would also constitute a violation. I ask that you confirm whether my written consent was obtained for any recent report disclosures.

As part of my efforts to resolve this matter, I filed a formal complaint with the Federal Trade Commission ( FTC ) under report number XXXX. I trust that EXPERIAN will cooperate with the FTC in addressing these issues, as required by law. 

To resolve this matter promptly, I request that you conduct a thorough reinvestigation of my credit report, specifically addressing the inaccuracies in the dates of last payments, dates accounts were opened, payment history, and account status. I also request that any erroneous information be corrected or removed immediately. Furthermore, I ask for a detailed written response outlining the steps taken to correct these inaccuracies and actions taken to ensure compliance with the FCRA. If these issues are not resolved within 30 days, I will be forced to consider further legal action, including seeking damages for violations of the FCRA.

I expect your prompt attention to this matter and a resolution within the legally required 30-day timeframe.
Product: Credit reporting or other personal consumer reports

I have no public records linked to my credit report, and this discovery is unacceptable. I urgently request that you remove these entries to alleviate the significant XXXX and distress they are causing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I noticed that Equifax is alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report such information. 15 USC 1692g, states that you must provide me with verification of an alleged debt to ensure that my rights have not been violated. Please remove all negative and adverse remarks on the accounts listed below. In addition, I am requesting a debt verification letter as well as the method in which you used to verify this debt before placing it on my account. 
XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX ACCT # XXXX As you know, it is against the law to report any information not proven accurate. 
I demand that you provide me with concrete evidence of my obligation to said account. I am asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paperwork is produced, the account is unverifiable. Please be aware that all negative remarks found on my credit report is a violation of the FCRA and FDCPA when you can not furnish the validity of the account. 
I am not in dispute of the ownership of the account but if you are unable to provide the full reports of how you validated, verified, and how you are in compliance, then you must remove the account from my credit report.