23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I sent a letter by certified mail to the credit bureaus stating that this debt does not belong to me. This is for an apartment that was in my mother 's name in which she filed a XXXX  XXXX and this apartment complex was listed on her list of creditors. My sister and i were living with my mom at this apartment complex but only as occupants and they are trying to make me pay for something that had to do with my mom. The collection agency is called Quality Recovery Services and the amount is for {$9100.00}. Despite my written requests, the unverified item mentioned above still remains on my credit report in violation of Federal Law. In the results of their re-investigations, they stated in writing that they verified that these items are being reported correctly? They still have not identified who in their company verified the accuracy of this account or how they verified it? 

I had previously pointed out to them, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is this company must be willing and able to produce a document that proves the account ( XXXX ) in dispute belong to me and the information being reported is accurate and they must be able to do this in a court of law. Someone in your their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have 1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury.

They failed to provide me with verifiable proof required for their company to post the account listed above is evidence that it does not exist and therefore is proof that they cant properly Verify the accuracy of this disputed account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

So can they please delete this from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies and incomplete information appearing on my credit report as of [ Report Date ]. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and completeness of the information you maintain. Below are the specific inaccuracies I have identified : XXXX. **Duplicate Reporting of Collection Accounts** : - The account listed under XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ) appears with inconsistent balances and statuses across reports. These discrepancies require immediate review and correction. 

XXXX. **Disputed Accounts with Unresolved Issues** : - Several accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), show unresolved disputes in their remarks but have not been corrected or verified. Please conduct a complete investigation into these accounts and provide verification. 

XXXX. **Charge-Off Details** : - The charge-off for XXXX XXXX XXXX ( Account XXXX : XXXX ) is reported with varying balances and statuses across different dates. Ensure the reported information aligns with the original creditors records. 

XXXX. XXXXDate InconsistenciesXXXX : - The " Date Opened '' and " Date Updated '' for the XXXX XXXX XXXX XXXXXXXX ( Account XXXX : XXXX ) account and others are inconsistent across the reports. This misrepresentation affects the validity of the data. 

XXXX. **Missing Payment History** : - Certain accounts, including XXXX XXXX XXXX ( Account Number : XXXX ), lack complete or updated payment histories, violating accuracy standards required under the FCRA. 

XXXX XXXX XXXX  Supporting Documents : I have enclosed the following documents to assist your investigation : - Copies of my credit reports from XXXX, XXXX, and TransUnion - Any additional documentation from the original creditors, if applicable. 

XXXX XXXX XXXX  Action Requested : XXXX. Investigate the discrepancies outlined above. 
XXXX. Correct any inaccurate or incomplete information. 
XXXX. Provide me with an updated and accurate copy of my credit report. 
XXXX. Notify any creditors or third parties that received inaccurate information within the last XXXX months of these corrections. 

I expect a response within the XXXX timeframe outlined in the FCRA. If you require additional information, please contact me directly using the details provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, \ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want the inaccurately reported accounts removed. Accounts are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX would also like any credit inquiries not linked to accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We obtained an Equity Line of Credit in  XXXX / XXXX / XXXX  from National City  Bank (  now  PNC ) secured as a 2nd  XXXX  by our personal residence. We made all payments on time f or 10 years. At the end of the 10 years (  XXXX / XXXX / XXXX  ) the draw period ended and the loan was converted to a 20 year repayment period.     PNC is reporting this loan as a " Revolving Credit Card Debt '' loan to the Credit Reporting Agencies.     We refinanced ou r 1st mortgage which closed   XXXX / XXXX / XXXX . The  1st  mortgage now reports as closed and the new 1st mortgage holder has not yet reported to the Credit Bureaus.     In  XXXX   XXXX  when monitoring our credit we observed o ur credit score h ad lowered over  XXXX  points. We contacted PNC and asked them to report the loan as a 20 year term loan secured by real estate since that is what it now is.     They refuse to change their reporting to the  Credit Reporting Agencies without any explanation.      We then mailed (  XXXX   XXXX ,  XXXX  ) the original note and subordination agreement for  the county records to the Credit Bureaus who contacted PNC and still no  change.     Please help us with this reporting. We have always paid the bill on time, even through the recession, which they are reporting to the Credit Bureaus.
Product: Debt collection

I was speaking a a XXXX XXXX about entering a debt rehabilitation program. I was explaining that I had no means to repay the debt at the moment but would appreciate if they could stop calling. I was later transferred to a supervisor named XXXX, she explained that this was a Federal loan and it had to be paid. She battologized the word " Federal ''. I explained to her that I have XXXX and the calls have been XXXX, that I would appreciate if they could lower the volume of the calls and I would pay the debt as soon as possible when I gain employment. She asked me for my debit card information and told me to speak with my family about helping me repay this debt without listening to me explain that I do n't have financial support at this moment. This incident left me scared, anxious and triggered a XXXX in me.
Product: Vehicle loan or lease

XX/XX/XXXX - BMW was repossessed while making payments and trying to catch up, BMW didn't want to work with past due amount, repossessed vehicle 1 week after last payment. 

XX/XX/XXXX - Past due balance on vehicle is {$2300.00}. Amount required to reclaim vehicle and personal property from vehicle due to excessive fees is {$4200.00}. BMW refuses to work with me or lower any " fees '', charging almost 100 % to recover the vehicle and personal property. 

XX/XX/XXXX - Had to pay entire {$4200.00} at great personal hardship and expense, diverting funds away from mortgage and tuition in order to recover car and pay BMW 's almost 100 % fee. 

XX/XX/XXXX - In addition to a BMW separate {$850.00} " repossession fee '' that I was told was paid to the repo company, I was just informed that I will still have to pay the repo company a separate {$500.00} fee. So there's a double dipping repo fee - {$850.00} to BMW and {$500.00} to the repo company, for a total of over {$4700.00} on a past due {$2300.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, XXXX XXXX XXXX reported a hard inquiry on my credit report, That I do not recognize. The company agreed to remove this hard inquiry from my credit report. Please delete this hard inquiry from my credit file within 30 days. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Equifax in regards to an account listed on my credit report as XXXX/XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Equifax, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Equifax and another bureau that this account is being reported to. Again, I have not received any verification of this account, and in addition to that, Equifax was reporting an open date of XX/XX/XXXX however XXXX was reporting an open date of XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on Experian ). On XX/XX/XXXX, XXXX reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with XXXX both via Experian 's website and on the phone with XXXX on XX/XX/XXXX. I spoke with a XXXX representative a couple of days later, and I was told the information was being corrected. Experian showed the dispute as confirmed accurate on XX/XX/XXXX. I called XXXX again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

WELLS FARGO DEALER SVC - Closed 1 late payment Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2016 Account type Auto Loan FCRA violations if it cant be fixed must be removed Law disputed this item over 45 days timed allowed Wells fargo is in violations of FCRA and Fair DEbt 4 ) " Credit bureau '' means a person who, for compensation, gathers, records, and disseminates information relating to the creditworthiness, financial responsibility, and paying habits of, and similar information regarding, a person for the purpose of furnishing that information to another person. 
attach are case studies they have been in Violations of quite some time
Product: Credit reporting or other personal consumer reports

I have never been furnished proof of this debt. I require proof that this debt is mine in the form of signed original contract with this debtor and a signature permitting the share of my personal protected information to this debtor.
Product: Debt collection

Called my father from an unknown number claiming that I had a legal matter pending and gave them a case #. Told my father if I did not contact them within the next 10 minutes he would be served with paperwork for me and my wages could be garnished. Gave them a number of XXXX to call back. I called them back was asked for the court case number and then transferred to a XXXX XXXX who tried verifying my social security number but it was wrong, then gave me the right one. Then proceeded to tell me my birthdate. I asked what this was about and why they were threatening me said that it was a process server who contacted my father and not him that he doesn't have the availability to do that. Tried to say XXXX XXXX  XXXX XXXX was stating I had a deposit by XXXX that needed to be paid and it was charged off in XX/XX/XXXX. In which I told him I did not have a XXXX account at that time and that debt is not valid. He said I would just need to go to court and where could he send the process server because if not I will be served at work. He then hung up. I called back asked for the company name which they advised AMSHER. I have not had a XXXX account since XXXX  not sure what they are speaking of and using tactics to scare my father that they are the government and will serve him is ridiculous.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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

One of Bridge Lending Solutions representatives, XXXX ( no last name provided ) contacted my workplace by phone call on XX/XX/2022 at XXXX XXXX  XXXX, and identified the debt collector as Bridge Lending Solutions. The phone number used to contact my workplace on this occasion was XXXX ( XXXX ) XXXX. 

Prior to this, on XX/XX/2022 I sent a Revocation of Authority to Contact Third Parties and asked that Bridge Lending Solutions stop contacting me while I research tribal loan enforceability in my state.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the F
CRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX
Product: Checking or savings account

I received multiple phone calls from Marcus by Goldman Sachs. As they had never called me before, I suspected it was a scam and hung up the phone and called the number on their website. When I contacted them they told me they were restricted any access to my account until I join a three way call and allow confirm with my credit union to give them access. Only problem is they never gave me a reason as to why after years and years of transactions between these account with tens of thousands of dollars between the two am I being restricted now with no access to my account. When i told them I would join a call, they told me they would call be back to talk with my credit union to allow access between the two. ( This was in addition to the micro deposits I confirmed earlier as well as me already logging into my credit union when I connected the accounts. I was interrupted multiple times and then was never called back to provide access to my credit union. They are restricting all access to my account including my money for my mortgage payment and the money I'm saving up for an engagement ring and need access to the money now. Can you please assist this and fine Goldman?
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city and the hospital essentially were on lockdown. I was no longer able to see patients in office because of .During the pandemic was a very financially difficult time for me professionally. I am employed as a XXXX, and during the pandemic, the city, and the hospital essentially were on lockdown. I was no longer able to see patients in office because of the pandemic. I was no longer able to perform procedures due to COVID-19 unless they were emergent. This significantly reduce my income. I was unable to make payments and even call Bmw financial to discuss my situation. Under the Cares companies were supposed to make concessions because of the difficult times during the pandemic. When the hospital allowed us to resume normal work, I am mediately paid the remaining balance of my auto loan off which was almost {$7000.00}. I have disputed the claim of me being late many times, but Bmw refuses to remove the late payments. I have hired an attorney and given power of attorney for assistance. BMW Financial refuses to cooperate. Are no longer owe them anything. Its unfortunate that during the time of a global pandemic that they wouldnt take advantage of individuals.
Product: Credit reporting or other personal consumer reports

This XXXX, I discovered some inaccurate accounts on my credit report, and I have no clue why theyre there. I regularly check my report, but this time, unexpected discrepancies appeared. I thought it might just be a browser glitch, so I tried refreshing, but the inaccuracies were still there. Given this issue, Im requesting that the documents I submitted be thoroughly reviewed so I can have peace of mind going forward.
Product: Credit reporting or other personal consumer reports

I looked at my consumer report and notice that my Capital One Auto account was closed and charged off which mean that they quit pursuing me for the debt. Without any documentation of this transaction I was making payments on a payment plan and notice that information. After speaking on the phone, on a recorded line, I was told that they did that because the account was over XXXX days and the underwriters was doing there job but they are constantly updating an closed account.