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

In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have a right to my privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I told them that I would have the account paid off, and that I wanted my account closed. I did not want to get the card in the first place. But while I was purchasing a camper at XXXX XXXX in XXXX XXXX SD, they made it seem as though I could not make purchases without having a XXXX XXXX XXXX from Comenity Capital Bank. I made purchases with the card, but they treat it like a bill, instead of letting the debt roll over to the following month, they call me about 8 times a day and hang up every time I answer. And they shut down the card, so you can not use the card unless you pay the minimum payment. I was called 8 times on XX/XX/XXXX, I was called 7 times on XX/XX/XXXX. I was texted as well on the XXXX, so that makes 8 attempts to contact me. Today, XX/XX/XXXX, I was called once every hour, when I answered they would hang up. I finally got an answer from an XXXX XXXX  named XXXX, I told her that they are harassing me, and that I wanted my account closed. She kept interrupting to tell me that I could pay the bill. I told her like I told the first person who called, that I will have the debt paid off on the XXXX  and that I wanted my account closed with them. They use " This will damage your credit if you close the account '' as if that justifies them to be the way they are and ignoring my request to close the account. I do not see an easy way to close my account on their website Comenity.net. Which is now breadfinancial I guess. The company seems very shady.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted several disputes with the credit bureau for validation of alleged accounts as the Bureau reports that they supposedly belong to me.

These accounts are reporting negatively on my credit report. I initially started the dispute with this Bureau on XX/XX/2017 via certified mail and I have submitted a dispute every 31-35 days asking for them to provide documentation that validates these alleged accounts. In each dispute attempt I specifically asked the Bureau to provide me the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. The Bureau keeps saying the account is verified, but never produced any of the information requested.

I am quite displeased with the false reporting, and Bureaus verification method which is faulty and even when specific information is requested ; as supported by law, the bureaus that still insist on violating the law and our rights. This Bureau is violating the fair credit reporting act by reporting inaccurate information that cant be proven. Per the fair credit reporting act inaccurate or undocumented information must be removed immediately.
Product: Credit reporting

An apartment leasing company, XXXX XXXX, has improperly charged me when I had to leave. I informed them in writing of my intent to leave and this bill should not be included in my credit report.
Product: Debt collection

apartment complex, Lofts at XXXX XXXX XXXX XXXX XXXX XXXX Texas, claim that i was a " no show '' and have filed it on my credit report- i went to look at the apartments 1 time with my mom, thinking about going to college in XXXX XXXX Texas ... i had been told by apartment management that i did not qualify on my own for 2 reasons - age XXXX ( minor ) and no credit history at all.. I have received collection letter stating i owe {$8400.00} from collection agency Law offices of Brett M. Borland P.C.. phone # XXXX, on XX/XX/2020 this office advised me to send them an email to XXXX in which i did to explain the scenorio and there is no documentation because you dont receive documention when you go to LOOK at an apartment. At NO time did i or anyone sign a lease agreement with this complex. 

i have tried to call numerous times to the actual apartment complex and apparently they sold, so they can not provide me with new owners information or phone # to contact AND they say when they sold they sold the books along with it ... .apt phone # XXXX I feel like I am being scammed by the apartment complex for this debt. 
and it is now on my credit report.. I have filed credit dispute, i have tried numerous calls, i have sent email to collector ... 

Please help ... Sincerely XXXX XXXX ph. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of the West ... incorrect display credit history ... .late payments, non accurate, dates and circunstances... ..they provoke " late payments '' to collect " garbage '' fees ... .Please help me
Product: Credit reporting or other personal consumer reports

This account is considered canceled debt, the company filed it on their taxes and did not send me 1099c but is also reporting it on my credit report. This account is inaccurate and a violation to my right. Please delete now!
Product: Debt collection

My account was transferred from XXXX to Messerli & Kramer collections. They are authorized to a soft inquiry of my credit report, however they did a hard inquiry which is affecting my credit history. 

I have contacted experian and they said they were unable to assist me, so i contacted Messerli & Kramer and they said it should be a soft inquiry and they can not control how experian reports it.
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent a verification letter to Portfolio Recovery Associates LLC requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in XXXX : I requested proof that they are legally permitted to collect this debt in the state of XXXX Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Because they failed to respond both within the 30-day window and at all, they failed to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the 3 major credit bureaus, XXXX, XXXX, XXXX.
Product: Credit reporting

XX/XX/2015 I started a online dispute with Equifax , since then creditors have not been able to pull my credit file due to a Security freeze. I have spoke with the security freeze department at Equifax several times and they have assured me there is no freeze on my file. At the end of these calls they suggest purchasing their credit monitoring to help resolve problems like these. Most recently both XXXX and XXXX XXXX were unable to access my credit file due to this freeze. I feel as though Equifax is not going to resolve this unless I sign up for their monitoring service.
Product: Credit reporting, credit repair services, or other personal consumer reports

30 days ago I noticed errors on my credit report and I sent in a dispute letter to the credit bureau. They failed to respond to my complaint in a timely manner which prompted me to send in a demand to comply letter for which I still havent heard a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many companies requested my credit report without my authorization. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX via XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was processed before the due date, as shown in the attached bank statement. This error in reporting must be corrected. 
Clerical Error : There may have been a clerical error in how the payment was recorded. The payment confirmation from my records shows that the payment was made on time and should not have been reported as late.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

My XXXX mortgage was assumed by Shellpoint mortgage company effective date XX/XX/2019. We were sent a letter stating our XX/XX/2019 payment would be made to XXXX and we would submit XX/XX/2019 payment to Shellpoint. Shellpoint is stating that I did not pay my XX/XX/2019 payment. I have provided them proof of payment from my bank. In the letter Shellpoint states XXXX payment was made but returned which is not correct- documentation of XXXX statement showing payments correct, bank withdrawl and letter..I have provided documentation showing payment came out of my bank and no return and a letter from bank stating payment was made. I requested payment history that shows all payments made. They have reported this to credit report and I now have a substantially lower credit score.
Product: Mortgage

I applied for a mortgage from Amerisave and ran into a number of problems : ( 1 ) Twice I was asked to sign documents Amerisave representatives had filled out with incorrect information. They were initially dismissive of my objections, until I flat out refused. 
( 2 ) It took 16 days after the appraiser 's visit, and several " nudges '' from me, for them to get the appraisal back from the appraiser they chose. No wonder they closed a week after the 45-day rate lock expired. 
( 3 ) Amerisave promised in an email that if I paid the {$20.00} wire transfer fee the funds would arrive in my account the day the loan was funded ( and I began being charged interest ). I agreed to the wire transfer and was charged the {$20.00}, but the wire transfer was a day late. I requested a refund and an apology. In response, I got a coupon for a discount on another mortgage. I would still like the refund and apology for all the hassles. They chose the title company, so have full responsibility. 

Anyone considering applying for a loan through Amerisave should be forewarned that they are very disorganized. I was bombarded with numerous irrelevant emails and phone calls. I dealt with four different Amerisave employees, who often did n't seem to know what was going on.
Product: Credit card or prepaid card

I spoke with a representative about possibly opening an account. They advertised a promotional plan that would be interest free during the specified period. If there was still a balance after the period then you would start being charged interest. However, now that the promotional period is ended, theyre trying to charge an accrued interest amount from the time over the promotional period. Which was not how this deal was presented to consumers. This is a scam and false advertising to get consumers to open accounts under these pitched deals then charge them ridiculous amounts of interest after the deal has expired. I also tried to resolve the issue by calling the company and explaining this was not how the advertised promotion was presented to me. The response I basically got was, sorry if this was presented incorrectly but towards the end the terms were sent in the online statements. Completely unfair and shady to defraud consumers and blame them for believing the representatives who act/speak on behalf of the company. Representatives need to be held accountable for defrauding consumers wether it is intentional or unintentional. Consumers should not be held liable for the companys staff lies.
Product: Checking or savings account

A check I wrote on my account with XXXX XXXX, was fradulently cashed by someone in XXXX Iowa at a Wells Fargo bank. The check was for {$1800.00}. I am retired and on a fixed Income. I was assured by XXXX XXXX, that I would have my money returned within 10 days. The company the funds were supposed to go to has refused to co-operate with XXXX XXXX requests for a signed and notarized affidavit, and I have sent the request via fax, email, USPS, and certified mail, and they will not answer the phone. They place you on hold for one or two hours, then hang up. The FDIC, Comptroller of the currency, and Federal reserve will not help. Wells Fargo will not answer phone calls. My local police took a report- then closed the case stating it was not in their jurisdiction. It seems that every company involved in this is passing the buck to someone else- Me!
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX 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 any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

See my attached ID theft report. 
See my attached Notice to file suit. 
See my attached highlighted transaction proof for all accounts ( such as over 7 years, irrational transaction i.e showing charged off but after payments being made?? With a 0 balance etc ) ALL OTHER REPORTING AGENCIES have removed these account factually found them incorrect & the companies came back with XXXX refuted evidence and you just keep the dispute open and it's been past 180 days since my first one.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2019 I have been working with this company to get VALID VERIFICATION OF THIS DEBT! In 2019 I was sent a generic letter printer from the LVNV funding firm with none of the following : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt.

Commission for debt collector if collection efforts are successful.

As I have explained I had NO knowledge of this account and LVNV funding has NOT BEEN able to provide correct verification I MADE ANY AGREENCE WITH THE FIRSYT DEBTOR.
Product: Credit card or prepaid card

I missed a payment for my Kohl 's charge credit card, this was in XXXX of 2015. I tried to reach out to the company to dispute this charge but they said there was notthing they could do. Please remove this late payment charge for me, because I am trying to lease a vehicle and this is stopping me from doing so. Thank you very much.
Product: Credit reporting or other personal consumer reports

The reinsertion of the account ( XXXX  XXXX XXXX Account XXXX XXXX  ) into my credit report was executed in clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, your agency failed to notify me within five business days of the reinsertion, as required under 15 USC 1681i ( a ) ( 5 ) ( B ). Furthermore, there was no certification of accuracy provided prior to the reinsertion, violating 15 USC 1681i ( a ) ( 5 ) ( C ). These omissions reflect a failure to conduct a reasonable reinvestigation of the disputed information, as mandated by 15 USC 1681i ( a ). Additionally, the reinsertion appears to have occurred without verifying a permissible purpose, contravening 15 USC 1681b ( a ) ( 2 ). These actions collectively fail to uphold the requirement for maximum possible accuracy in reporting, as specified under 15 USC 1681e ( b ). Such noncompliance constitutes both willful and negligent violations of the FCRA under 15 USC 1681n and 1681o. I demand the immediate removal of these accounts from my credit report to rectify these violations. Should you fail to comply with the legal requirements outlined, I will have no alternative but to escalate this matter further, including seeking legal remedies to enforce my rights under the FCRA.
Product: Debt collection

I have several medical collections that have been posted to all of my 3 credit bureaus which are not in compliance with the No Surprises Act. I have contacted XXXX, XXXX, and XXXX to remove the following collections : Progressive Management accounts : XXXX, XXXX, XXXX Progressive Management and the 3 credit bureaus have not answered and or removed these items. I provided medical documentation to confirm my treatments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Referring to complaint XXXX with CFPB this issue is still not resolved. I have followed up with XXXX bank, and this inquiry remains on my Transunion credit report. Se attached follow up conversation below, and note the dates. It has been over 5 months since my original contact, and this inquiry is still negatively affecting my credit report.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX / Account # : - XXXX XXXX  / Account # : - XXXX XXXX  / Account # : - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : - XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) Account # : XXXX XXXX XXXX XXXX Account # : - XXXX INQURIES : XXXX Commercial Banks XX/XX/XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX Miscellaneous Finance XX/XX/XXXX 15 U.S.C 1681 Section 602 A . State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.

FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block