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

This letter is a formal complaint that you report inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to ensure the information reported is completely accurate and correct. The following information, therefore, needs to be removed immediately. It has been over 60 days and has caused me great hardship, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX
Product: Debt collection

I paid XXXX directly and by law, they must recall the account from Convergent, which Covergent agrees that they did. Therefore, Convergent has no legal reason to be reporting on my credit reports and must delete.
Product: Credit reporting or other personal consumer reports

this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments I did not consent to, authorize XXXX XXXX  from any of the following accounts. Block and remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This person Is reporting late payments to Experian, XXXX, and XXXX without the consumer consent. This company also have broken a law. 15 U.S. Code 1666b I have never received a letter 21 days before due date. I only recieved mail telling me that I am in danger of repossession. Which violates law 15 U.S. code 1692j - furnishing certain deceptive formsPlease remove all late payments account - XXXX XXXX  account number - XXXX
Product: Debt collection

I have called the Credit Card company, XXXX XXXX & now Midland Credit Management to resolve this. I was not provided the written information I asked for ( I had been through a divorce & wanted written statements so I may review and contact police if necessary ). 

Midland Credit Management has contacted me up to ten times a day. They contacted numerous family members, including my father on XX/XX/XXXX, who is recovering from XXXX  events and was upset and worried when he contacted me about the incident. 

Today was the second time I contacted them in the hopes of procuring the information I needed ( statements ) and was met with the same degree of disdain as from my first call. Something about " their lawyers '' was mentioned in a threatening manner. They provided transaction information from XXXX & XXXX, pointing out a returned payment ( which was due to fraud on my checking account in XXXX ) which was in no way helpful to me. XXXX XXXX, the agent I spoke with today, was demeaning and brought up " their lawyers '' and kept dissecting my statements and turning them back on me as questions, " So you're telling me you're disputing this? '' I told him I had nothing to dispute because I needed paper statements. 

Something as simple as my calling to get information to resolve this account was turned into a heightened, angry, altercation. 

I told Mr. XXXX of Midland Credit that I was reporting his company to the FTC. Over the past 3 months, I have resolved many different credit issues that resulted from my divorce in XX/XX/XXXX and I haven't had any conversation that devolved into this kind of demeaning coercion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX  the full amount owed and not a settlement amount. The account was supposed to be removed from my credit report once the payment posted. The account still appears as a charge off on my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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Product: Debt collection

Mortgage company, Bayview Loan, are sending me statements and increasing my mortgage stating they are escrowing my tax. I pay my own taxes and can show it. One month they created a credit card on my profile at the town of XXXX website and made two payments on my taxes without informing me and then I paid these taxes as well. As a result there was an overpayment. I complained/spoke with the town of XXXX tax collectors office and set up monthly payments to the town of XXXX for my real estate tax. The town of XXXX reversed the payment that Bayview made, however Bayview is sending me statements charging me for taxes they anticipate they will pay ( even though I sent them a letter stating I do not want them to pay my taxes ), and are continuing to charge me escrow and increasing my monthly mortgage saying they are paying my taxes, when I am already paying them myself.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the XXXX this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although significant medical impacts and telephone impacts at the same time no mitigating circumstances allowed or consider XXXX YOU and no dispute or consideration! Note all outstanding creditors have been addressed and to date with 90 % paid XXXX balance and the other two current are in dispute and negatives challenged for years NOT CORRECT or addressed -FACT- to date! And still me and my wife 's credit report is at XXXX and hers significantly under ; respectfully. What a farce. To boot- as mentioned so many times- the disputes have NOT been resolved because as I mention in my opinion the bias toward the lenders and the lenders NOT providing what I requested and reply they are " working on it '' ; HA! Opinion financial hostages to a system and organizations that just do not give a XXXX and utilize for reporting incorrectly information provided by the lenders can not be disputed even though they will write pages explaining their position. Opinion- all fluff CYA! As for the CFPB brothers in the same cause - useless farce.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that was reinserted on my credit from a company that I have never done business with : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX they sold this account to some 3 party junk debt buyer and I never recieced any 30 day notice or contact what so ever. I demand this account be deleted at once due to several FDCPA violation and FRCA violations. I never signed any release for my HIPPA act protected medical records to anyone at any time. 
I have been effected by the COVID 19 Pandemic shutdown and was not able to work due to restiction in the state of Florida I has a few late Payments from XXXX XXXX XXXX XXXX # XXXX I request they be removed and from my credit report.Looking over my credit report I noticed there were some late payments showing and due to the pandemic/hardship I was not able to make those payments on time. The following accounts are listed that show late payments for 2020 XX/XX/2020, XX/XX/2020, XX/XX/2020, XXXX, XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is refusing and has been refusing to post correct information or refusing to delete incorrect information. My name is XXXX XXXX XXXX XXXX My birthday is XXXX at some point last year Transunion changed my birthday to XXXX. They made this change without verifying the information or contacting me to warn me of possible identity theft. By the time I was told what was being reported it was too late. Damage had been done. i have been denied housing, jobs and funds. I have been denied help and been denied the chance to speak my truth. Transunion has taken away my chance of living a typical American life. Instead, i am now homeless, eating out of trash cans and begging for pocket change. I have disputed faulty accounts repeatedly. Transunion will take the accounts down only to repost to the next buyer of the debt that wasn't mine to begin with. How are they allowed to hold a person 's future in the posted information that they are obviously paid to add to a credit report without any investigation. I thought that the big XXXX agencies were here to protect the consumer. The only thing being protected now is the bottom line. the bottom line that is made up of the very consumers private information that is sold by the very company that is sworn to protect. when will this company be held accountable? I want my life back. I want my chance to live the American dream without being terrorized by Transunion. only dream I'm a part of is a nightmare. How much is my life worth??? I guess I'll find out with the answer to this complaint. 

XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed BK Chapter 7 and added XXXX XXXX into Chapter 7. I received my discharged letter from the courts. XXXX XXXX is still updating my report showing amount increasing as well as days late and now delinquent on my credit. I have submitted disputes but for some reason, they are continuing to update my credit with the incorrect information. Here 's my final letter to them and no response. 

Dear XXXX XXXX XXXX : XXXX XXXX is showing an increased balance on Account Type/ Account for Loans on my credit report. This account was updated by XXXX and XXXX as discharged in UNITED STATES BANKRUPTCY COURT, Case No. : XXXX Chapter : 7. For some reason it was then changed back to an amount owed as $ XXXX/ 90 days late. 
Aren't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? I am in the process of taking legal action as you are constantly updating my credit report and not adhering to the UNITED STATES BANKRUPTCY COURT decision.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) Complaint Subject : Violations of the Fair Credit Reporting Act ( FCRA ) Failure to Correct Disputed Information Complaint Against : 1. MRS BPO LLC - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX I am filing this complaint against MRS BPO LLC and XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. Both entities have failed to properly investigate and correct inaccurate or unverifiable information on my credit report.

I disputed an account reported by MRS BPO LLC with XXXX, and despite my dispute, both entities failed to conduct a reasonable reinvestigation as required by 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681i ( a ). The account remains on my credit report without proper validation, violating my rights under federal law.

In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that a consumer reporting agency may not merely " parrot '' information received from the furnisher during a dispute investigation. The agency must conduct its own independent and reasonable investigation. XXXX violated this standard by relying solely on the response from MRS BPO LLC without seeking original or verifiable documentation, such as a signed contract or Forward flow agreement.

FCRA Violations Committed by MRS BPO LLC and XXXX : 1. **Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681s-2 ( b ) & 1681i ( a ) ) ** - XXXX failed to conduct an independent reinvestigation. 
- XXXX simply parroted the response from MRS BPO LLC. This is unlawful per the ruling in **Cushman v. Trans Union Corp.** - MRS BPO LLC did not provide proper documentation to verify the account.

2. Reporting Inaccurate or Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) - MRS BPO LLC furnished unverifiable or inaccurate data. 
- XXXX failed to ensure maximum possible accuracy before confirming the disputed account. 
- If MRS BPO LLC can not provide a signed contract, Forward Flow Agreement, or detailed payment history, the account must be removed.

3. **Failure to Provide Proper Debt Validation ( 15 U.S.C. 1692g, FDCPA Violation by MRS BPO LLC ) ** - MRS BPO LLC failed to provide proper validation upon request. 
- No signed contract, XXXX XXXX XXXX of XXXX, or itemized billing was produced. 


Requested Resolution : Immediate Deletion of the Account from XXXX Credit Report** Written Confirmation of Investigation Findings Independent and Verifiable Proof of the Debt Legal Compliance with FCRA Compensation for FCRA Violations** including damages for willful noncompliance under 15 U.S.C. 1681n Final Statement : MRS BPO LLC and XXXX  have violated the FCRA by failing to properly validate the debt and by continuing to report inaccurate, unverifiable information. XXXX  parroting of the furnishers claims is directly contradicted by the federal precedent set in Cushman v. Trans Union, which affirms a duty to investigate disputes with diligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

contacted XXXX XXXX, XX/XX/XXXX and Experian in regards to the validity and factual information regarding late pays on 2 specific credit cards, i was not notified or was i allowed access to the information gathered to validate the investigation. all 3 bureaus did not send accurate information regarding the investigation and what the process entailed.
Product: Debt collection

I recently pulled my credit report and fount some inaccurate accounts that where reporting. I have made a list that of all accounts that are reflecting inaccurate on my report. I am in the process of starting a new business and I can not get funding because of this fraud account being placed on my account.
Product: Debt collection

I started to receive notices in the mail for a charge off credit account from XXXX XXXX or XXXX XXXX XXXX. I have never had a credit card account from XXXX this account is fraudulent and needs to be removed from my credit report and the collection agency needs to remove their account from all three credit bureaureports. I have attached my FTC Affidavit
Product: Student loan

I am having trouble getting my PSLF  applied, even though I have met the requirements. I was given an estimated date of eligibility of XXXX. I applied for forgiveness and the yearly employer certification at that time. I called the customer service line and was advised on how to proceed with the application for forgiveness. I was told the process could take 90 days to complete, but it is now mid XXXX, and although Ive called and emailed several times, Ive been given no timeline for processing nor explanation for the delay. I know that loans are currently in forbearance due to Covid 19, but I would like to see this resolved before that forbearance ends since I met the requirements for such more than 7 months ago.
Product: Debt collection

I received a letter from Fair Collections and Outsourcing on XX/XX/23. Not much information was provided in the letter other than it was a debt owed to another company. I mailed them a letter via Overnight mail on XX/XX/23. In this letter I requested information to verify the debt and to provide a copy of the last billing statement that shows how the debt amount was calculated. I have never received a response from Fair Collections and Outsourcing and now they have placed a collections on my credit report even though this debt is currently in dispute. I simply want proof as to who this company is, why I owe this debt and how they came up with the amount owed and so far I have never received this information.
Product: Debt collection

I have sent two dispute letters and no response in regards to debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX, XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A, States I have the right to privacy.

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

15 U.S.C 166b A Creditor May not treat a payment in account under an open-end consumer credit plan as late for any reason. 
Since XX/XX/2016 this account has been paid off, and until now, late payments reported on this account restricted me to get approval for credit, and this is illegal to maintain this account on my credit report.
Product: Payday loan, title loan, or personal loan

On Wednesday XX/XX/2021 I received a threat to contact my employer from an agent employed by One Main financial. She verbally stated that the company had me in a call cue and contacted everyday for XXXX weeks straight. This is harassment.
Product: Credit card or prepaid card

Hello, I applied for a secured credit card with Wells Fargo in XXXX. During the application process I paid a security deposit of {$300.00}. I never used the card an the account was subsequently closed by Wells Fargo. 
I have not received the {$300.00} XXXX paid as secured deposit and all attempts to get this have been unsuccessful. Would be grateful for your kind assistance in getting this back. I have now moved out of the XXXX and live in the XXXX. 
I can not find the card number of my credit but have added my old debit card number with Wells Fargo to help in locating my account. 
My old Wells Fargo checking account details are as follows : Routing number : XXXX Account number : XXXX Kind regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Experian requesting a detailed description of the reinvestigation procedures for items they had verified as accurate. I included my photo ID, social security card, and a recent bill with my current address to verify my identity and address. 

Experian responded on XX/XX/year> with the following statement : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. 

According to the Fair Credit Reporting Act ( FCRA ), when a consumer disputes the accuracy or completeness of any item on their credit report, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Experian 's response indicates that they have not investigated my dispute based on an assertion that my request was not authorized, despite my providing necessary identification and documentation. 

Experian 's failure to conduct a reasonable investigation appears to be a violation of my consumer rights under the FCRA. 

I am including a copy of my dispute letter sent to Experian, along with Experians response, as proof.
Product: Student loan

I got a letter from Great Lakes stating I owe {$20000.00}, I signed a Promissory note for {$25000.00}. No payment have been made as of yet .... So my question is where did the {$5000.00} go? I have stated before that the student loan industry engages in fraud to facilitate the application of fees to one 's loan total. I asked for all of my loans to be consolidated, yet I bet one of the loans has accidentally misplaced or other jargon to cover themselves.