23daVinci/CFPB_Complaints huggingface dataset:
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. 
Bankruptcy XXXX XXXX-discharged Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy discharged XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXcurrent i have reached out to both the company and all 3 credit bureaus. i would like to file a complaint regarding the reporting of XXXX XXXX last delinquency date of XX/XX/XXXX instead of XX/XX/XXXX when the repossession occurred. 
This is being reported to XXXX and TransUnion per the credit report. since its been reporting wrong i would like it removed
Product: Debt collection

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> one week before pandemic shutdown in XXXX XXXX ( CA ). The other driver was an XXXX customer. They tried to bill me for damages to that XXXX and I disputed the charges repeatedly via mail and email. I received no responses and, after 3 years, knowing rental companies had sold off their fleet, assumed it was moot. 

Now nearly 5 years later, XXXX a company out of Washington PA contacted me via email about this debt. Again, I have disputed the amount and I did my utmost to settle this matter in the years after the accident to no avail. 

I am furious that XXXX is trying to extort said monies after no response to years of trying to resolve this issue, contacting me out of the blue by email and another Collections agency with no notice of dispute resolution. 

CertainlXXXX XXXXXXXX are attempting to get paid on other long-standing pre-pandemic claims thus I'm making this public.
Product: Credit reporting or other personal consumer reports

This is my second time asking these XXXX XXXX XXXX to remove these collections : 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  that have been falsely reported on my credit reports. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Experian, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws.

Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. 

In accordance with the Fair Credit Reporting Act the following accounts : XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15USC 1681-602A states I have the right to privacy. 15 USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be. deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include This account was also charged off and the company did not provide me a 1099 as the law states when an account is {$600.00} or over, they must provide me a 1099 copy in mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions The XXXX, XXXX and Transunion did not provide proof or verify that this account is mine. I sent in letters 30 days ago asking that the XXXX, XXXX and Transunion verify the accounts with my signature on them and they have failed to do so. 

Below the uploaded documents also shows that the payment status and payment history for XXXX, XXXX and Transunion. Are not the same faulting in inaccuracies on my credit report for all three credit bureaus. Therefore I ask that the accounts are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX The XXXX XXXX XXXX. Sent in multiple disputes no knowledge of this account and noticed activity dates are different from experian and XXXX.
Product: Debt collection

my son had emergency room service on XXXX/XXXX/16. XXXX agencies billied us, the hospital itself, and XXXX. the hospital submitted a claim to XXXX which was paid. XXXX did not submit their billing to XXXX. i have to buy a new car and saw that i had something on my credit report from Americollect. I called them and they let me know about the second creditor. i contacted XXXX after this and they said that americollect would have to submit the bill to the insurance company. Americollect was not willing to do this and said i needed to set up a payment plan. This should have been done by the original creditor, but it is out of their hands now. Americollect is unwilling to submit the billing to XXXX. This should not be on my credit report and should not be affecting my life the way that it is. Please do something!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for a HELOC from XXXX XXXX XXXX and was denied due to a error on my credit report, stating that OCWEN marking a 120 late in XXXX. 

From XXXX I was in a chapter XXXX Bankruptcy and the OCWEN account was one of several accounts involved.

I informed Ocwen of this error and have not received any reply.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute information on my credit report that pertains to an account with Capital One. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting an investigation and removal of this account if it can not be verified or is inaccurate.

Specifically, I believe this information violates the provisions of the FCRA for the following reasons : Unverifiable Information : According to 1681i ( a ), the credit bureau is required to verify the accuracy of disputed information. I request that you obtain verification of this account from Capital One and provide me with documentation supporting its validity.

Accuracy and Completeness : Under 1681e ( b ), the credit bureau must maintain maximum accuracy in the information reported. If this account can not be verified as accurate and complete, it must be promptly removed from my report.

Timely Resolution : As per 1681i ( a ) ( 1 ), the investigation of my dispute must be completed within 30 days of receipt of this letter, unless additional time is justified.
Product: Debt collection

On XXXX, I received a notice of the claimed debt from AMCOL Systems, a copy of which is attatched. I never gave them permission to communicate with me to begin with. In this notice it was stated that AMCOL Systems was a attempting to collect a debt ad AMCOL Systems is a debt collector. 

On XXXX, I disputed the notice as a informed consumer who knows his rights and the Federal Fair Collection Practices Act and Fair Credit Reporting Act related to consumer privacy and statues. I instructed AMCOL Systems to cease collection of the debt. 

On XXXX, I received another notice from AMCOL Systems stating that they were closing the account. 

On XXXX, I sent AMCOL Systems an Affidavit of Truth stating everything that occurred and the violations of my rights as a consumer. The total amount of monetary relief was also stated in this affidavit with a time frame to resolve this matter.

The actions of Amcol Systems of violating my rights as a consumer is not a small matter. By them closing the case is an act of admittance constitutes a civil liability on part of AMCOL Systems and I am invoking my consumer right to specified remedy. Im demanding compensation for each violation of federal law by AMCOL Systems of {$8000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

company fails to remove medical collections which they were violating the hippo laws concerning medical information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask company to to verify these accounts on my credit but said company as failed to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

Simple. 
I had a past due account with XXXX XXXX that went to collections in XXXX XXXX. 
I paid the collection XXXX XXXX, XXXX. 
I filed a dispute and sent a copy of the paid letter to all three bureaus on XXXX XXXX, XXXX. 
I have received credit updates from all three bureaus showing that I still have a balance, and the account does not show " settled '', " paid in full '', or anything of the sort. 
I have contacted the original creditor and verified that the account is indeed " settled in full '' according to them. 
I am assuming that the bureaus did an investigation, and contacted the original creditor, but obviously not since they are not correctly reporting what I have verified with the original creditor several times myself.
Product: Credit card

This is a follow up to Case # XXXX. I was originally told to wait 30 days for the CRAs to remove the inquiry. It has now been almost 8 months since I was told this would be removed and it has been over a month since this case # was supposedly resolved and yet the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? It certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will affect my interest rates. I want this removed immediately or legal action will follow shortly!
Product: Credit reporting or other personal consumer reports

Submitting this to you serves as a follow-up to ensure the expeditious removal of specific items, particularly the outstanding inquiry, from my XXXX credit report. Enclosed in this follow-up complaint is my FTC Report XXXX XXXX. Kindly review the outlined items for removal in each bureau : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

American Express received, processed and got credited my account for my negotiable instrument. On page 3 of their card member agreement form they said they accept negotiable instrument as payment. They put me on Financial review and i sent in the forms with affidavits and copy of their agreement form with them saying the accept negotiable instruments. They acted in Dishonor and have not sent back my negotiable instruments and closed my account with out my consent interfering with commerce.
Product: Credit reporting, credit repair services, or other personal consumer reports

Another person named XXXX, has some of the same personal information as I do, and somehow our information is mixed up. I reported this to experian for the first time, almost 2 years ago. It appears that they have removed some of her delinquencies and accounts, from my report, however, ALL of this persons addresses she's ever lived at, and the cars she has owned or leased, are STILL on my report. Also a delinquent account!! I have ZERO delinquencies! All my accounts are current and active. I can't even access my own credit report! Or my true score! The security questions it asks me, are all based off of this other XXXX 's information. I can't even dispute it online! Experian just locked me out of my own stuff and they shouldn't have. They are doing nothing but making my life so very hard. I'm trying to buy a house and there's NO WAY I can do that when my erperian report is out of XXXX! Experian NEEDS TO FIX THIS ASAP! I have lost so many opportunities because of this mix up. They are non-responsive to my letters or my calls. I have had enough!! I want this person 's personal information off my report immediately! Please help me!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective banks associated with these accounts. I am pleased to inform you that after thorough investigation, these banks have acknowledged the errors and have agreed to update my accounts and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated these accounts on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I made a payment incorrectly for a program that was dissolved. The payment of {$3900.00} was made in error and for the wrong amount. I immediately contact the merchant XXXX XXXX XXXX XXXX ) and tried to have the payment returned to the payment source, which they denied. Then contacted my bank ( Usaa ) which said that I couldn't " stop payment '' on the charge since it wasn't posted. I then went through the dispute process with them and provided all required documents and today on XX/XX/XXXX they denied and closed my dispute.
Product: Mortgage

I have my house up for sale where I was supposed to close on XX/XX/2019 and the payoff for M & T Bank was {$74000.00} for mortgage loan XXXX. I had to reschedule to close on XX/XX/2019 where the payoff for M & T Bank is now {$76000.00} which is a {$1500.00} INCREASE in a six ( 6 ) day period. There should not be this amount due to that the XX/XX/2019 payoff included interest up to XX/XX/2019. I feel and know that I am being " OVERCHARGED '' on this mortgage loan before Closing and this is 'not ' the first time M & T Bank has overcharged my mortgage loan account. I need the payoff amount corrected which should be close to XXXX XXXX dollars more and not the XXXX XXXX XXXX XXXX XXXX dollars and XXXX cents. 
PLEASE HELP
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 confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 

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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

XX/XX/2020 I called Banana Republic credit card regarding charges that were not authorized on my account. I was told I would get the extra interest that was added to my account refunded to me when the dispute was resolved. When I received the interest refund for the unauthorized charges it was not what I calculated that I should be refunded. The Company only gave me back the interest for each individual unauthorized charge and not the total accumulated amount I was charged on the balance on my account. And in the following statements they reversed the interest credits and added the refund amount back to my balance. I was also informed of a interest rate increase from 26.99 % to 27.49 % in the same bill with the interest refund with no explanation for the increase. 

There was 3 unauthorized monthly charges for {$370.00} each on my account and I received a interest refund for exactly {$8.00} for each monthly transaction. My interest rate was 26.99 % at the time of the dispute and as of XX/XX/2020 increased to 27.49 % for new purchases.
Product: Credit reporting

Transunion has reinserted information that was previously deleted in XXXX of this year. 
XXXX negative accouts which are : XXXX # XXXX Type EmploymentBalance $ XXXX XXXX $ XXXX Opened XXXX Status ClosedMo. Payment $ XXXX StatusHigh Balance $ XXXX $ XXXX 360 MonthsXXXX BANKAccount # XXXX Type Banks and XXXX & XXXX were removed due to identity theft it is against the law for Transunion to repost these items after deletion. They must delete these items immediately that were wrongly reinserted. 
They also took off accounts of which were reporting positively on my account. I do n't understand how or why this has taken place. I have attached documents of student loans that were taken off my account history without my authority and attached previous reports that shows the deletions of Transunion of items that were wrongfully reinserted I will prosecute them to the fullest extent of the law. I was denied a job position because of this.
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 XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account is still showing derogetory when its not, and theres 2 account in that name. The one showing derogatory is ruining my life. Ive settled with that company and negotiated that it be off. I cant get anything done with that on my credit. Its 1 year away from being off but Im trying to get a house. And other stuff. Please get this off or update the derogetory to closed and paid.
Product: Payday loan, title loan, personal loan, or advance loan

Added fees that I wasn't informed about. And I can't even access my loan account to see my payments I've already made or owe?
Product: Credit card

Throughout my history with this account, I've consistently made timely payments, ensuring they never lapse into overdue status. I'm uncertain as to why there are reports of late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, these discrepancies should be rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to information on my credit report. First of all my personal information is incorrect. My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX Apt XXXX XXXX, GA XXXX. Please delete the name " XXXX XXXX XXXX '' and the addresses " XXXX XXXX XXXX XXXX, OH, XXXX '' and " XXXX XXXX XXXX XXXX, OH XXXX '' in order to prevent identity theft and further damage to my credit report and financial reputation as this is adverse action. Also. I have never been late on the XXXX  XXXX account ( # XXXX ) Please update this account to paid as agreed. The account XXXX XXXX is a charged off account. The company filed a XXXX cancelation of debt with the IRS which means the account is gross income and not debt. INCOME IS NOT INCLUDED ON MY CREDIT REPORT. The account XXXX XXXX XXXX ( # XXXX ) is inaccurate. I was never late on this account. Please update to paid as agreed. The account XXXX XXXX XXXX ( # XXXX ) was included in a bankruptcy that I filed. It should not be present on my credit report. Please delete this account from my consumer report immediately. The account DEPT OF ED/XXXX  ( # XXXX ) is incorrect. There are many missing reporting dates in XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. This is not up to date with XXXX XXXX standards for accurate reporting. I was never late with this account in XXXX, XXXX, XXXX, and XXXX of XXXX. Please update this account to paid as agreed. Lastly, the inquiries Resident Verify, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX  are fraudulent inquiries and need to be removed immediately. I am aware that my consumer report must be accurate and your failure to properly report my information is a criminal offense. It is extortion to know that there is no money in circulation due to the Emergency Banking Act and 18 USC 8 that states all debts are obligations of the United States and still report these accounts to my credit report. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that Experian will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX # XXXX