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

I recently received the results via the CFPB portal, and Experian has stated in writing that they have " verified '' that the following disputed items belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I provided feedback on this by the way. However, Experian did not address ANY of my concerns or violations that I brought to their attention, which were 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 U.S. Code 1681 ; 15 U.S. Code 1681 ( 2 ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802. I am not confident that an actual investigation took place. I have reason to believe that Experian used E-Oscar, which I never consented to! Experian has not altered or changed anything on my report, nor was I mailed a copy of my latest report once their alleged investigation was complete. Experian never addressed that they have previously received more than one of my disputes, via certified mail, and have never responded to me. They did not follow the rules and procedures upon receiving a dispute by a consumer, which is obviously a violation of 15 U.S. Code 1681i. That by itself is grounds for deleting the disputed information! I have made you aware of this before, WHY ARE YOU STILL REPORTING THIS INFORMATION?!! Furthermore, the disputed items, which I have good reason to believe to be inaccurate, was never blocked from reporting upon Experian receiving my dispute, -which is a violation of 15 U.S. Code 1681s2. Experian also never addressed that the following financial institutions never provided me with clear and conspicuous notice, informing me that I have the right to opt out of reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was never given disclosure or a choice and this is a clear violation of 15 U.S. Code 6802. Experian also never addressed that my right to privacy is being violated, and that my private, nonpublic information is being shared to nonaffiliated third parties such Experian, and others. These are violations of 15 U.S. Code 6801 and 15 U.S. Code 6802. No consent means identity theft, and NONE of the items previously disputed as identity theft were blocked within four days according to 15 U.S. Code 1681c2 ( a ). I even filed an identity theft affidavit and FTC complaint, and these financial institutions STILL continued reporting without interruption! Under 15 U.S. Code 1681, Congress sates that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is not doing that! I am NOT being treated fairly, and my right to privacy is NOT being respected! And lastly, 15 U.S. Code 1681 ( 2 ) states that transactional information, or experiences, between the consumer and the furnisher are to excluded from consumer reporting. That means that NONE of these items should be reporting! Please delete the disputed information!
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from XXXX, XXXX, and Transunion and I noticed some late payments posted on my report. 

XXXX. XXXX XXXX XXXX Account number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 
XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX Account Number # XXXX I m am actively disputing this account across all three credit bureaus Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX XXXX Account Number # XXXX Your company ( s ) ( creditors and credit bureaus ) is in clear violation of the law. Under 15 USC 1681b-permisable purpose of consumer reports, The LAW CLEARLY STATES ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I did not give my written instructions to furnish these accounts on my credit report. 
Furthermore, the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ). Exclusion from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ) consumer report does not include ( A ) Subject to 1681s-3 of this title any- Report containing information solely as to transactions or experiences between the consumer and the person making the report : Delete the above late payments from my consumer report, the creditors and the credit bureaus are in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referred accounts and send out a free copy of my credit report after the changes have been made will result in Legal action being taken against your company, for which I will also be seeking {$1000.00} per violation 1. Defamation of Character ( per se ) 2. Negligent Enablement of identity fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violation 4. Fair Credit Reporting Act 15 USC 1681 violation for willful noncompliance-616 Civil Liability for willful non compliance ( 15 USC 1681n ) By the provisions of the Fair Credit Reporting Act, I demand that these items be reinvestigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681, you must complete this reinvestigation within 14 days of this receipt. I have included documents and my personal identification to prove my Identity and support my claim. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Inquiries that are being challenged XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

We have disputed this debt of {$200.00} in writing. The contracted amount was reimbursed by my insurance. Amcollect has ignored my requests to furbish proof of debt or to remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

I have multiple hard inquires listed on my credit file that I did not authorize. 
XXXX. Inquiry Date : XX/XX/XXXX XXXX- Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX-Creditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : Experian XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXInquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX This are all consider fraud as I have never authorized this inquires
Product: Debt collection

I keep getting daily calls between XXXX-XXXX including weekends from a Midland Credit Management calling XXXX leaving messages looking for a XXXX or a XXXX, depending on the accent of the caller. They started calling me about two weeks ago. I have had this home phone number for nearly four years, and no one even close to that name has lived here.
Product: Debt collection

This morning at XXXX on XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP was added with an open date of XX/XX/2018. On XX/XX/2018 i received the same notification on my XXXX   credit report, upon receiving this notification i immediately contacted XXXX  and CFPB to dispute this Debt collection that did not belong to me and it was removed and deleted by Credit Management LP on XX/XX/2018 ****Copy of previous dispute on XXXX This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. This Debt was disputed and removed from XXXX approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees. 

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

Equifax has been served notice of intent to sue for ignoring over 30 disputes and not following the FCRA rules for many inaccuracies, and missing information. I have spent hours trying to talk to someone on the phone but they just pass me around. There's no one actually working on anything. What clown reopens disputes on things that have been disputed with no resolution more than 20 times? 
Equifax wrongly opened disputes this month in response to my letter of intent to sue, but still hasn't properly responded.. They have cost me thousands in the last 2 years of their intentional wrong doing. I am suing. CFPB please throw the book at them. This is unacceptable and abusive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a title installment loan from XXXX in XXXX and paid the loan off in XXXX. I contacted XXXX in XXXX to report that they're reporting my account as a charge-off ; which in fact it was not charged off, but paid in full. I have tried to resolve this matter with the company via letters and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed some hard inquiries that I don't recognize. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. 

The account in question was charged off by XXXX XXXX XXXX on approximately XX/XX/year>, XXXX XXXXXXXX XX/XX/year>, XXXX XXXX, XXXX, XXXX XXXX XXXX XX/XX/year> ; XXXX XX/XX/year> ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. 

As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. 

I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 

15 USC 1681 15 USC 1681 s 602 15 USC 1666B
Product: Debt collection

I received a debt collection statement from Oliver Adjustment Company Inc for XXXX XXXX XXXXXXXX XXXX account # XXXX. 

The amount owed is {$50.00} and I have no clue what this is for. I never worked with this company or was involved with them to my knowledge.
Product: Debt collection

Phoenix Financial Services has sent me two threatening letters about a medical debt I supposedly incurred in 2015, almost eight years ago. Phoenix has failed to provide the address of the original creditor nor any verifiable evidence, such as an original bill, that the original charge was mine to pay. Further, I have confirmed with my insurance company that if the charge did belong to me, it would have paid the amount in full. However, it has no record that the creditor filed a timely claim, or indeed any claim at all for the supposed charge. 

There is no evidence that the supposed debt is mine. The original creditor was apparently negligent in its failure to produce a timely bill for its services. Now eight years later, Phoenix Financial Services shares in this negligence by failing to provide appropriate and verifiable information about the supposed debt.
Product: Credit reporting

Incapable of issuing free annual report due to insufficient identification information. The identity information to process this specific transaction included copies of the requested social security card and drivers ID and also a valid employment pay stub. Need recertification to complete this transaction. Notification/correspondence does not specify the proofs needed. Thank You for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In XX/XX/2018 I began refinancing my home mortgage with XXXX  XXXX XXXX. I have a second mortgage that was sold to Select Portfolio Servicing out of Utah/Florida. To date, SPS has not completed their part of the processing so XXXX  XXXX XXXX can schedule a closing. In conversations with SPSboth customer service reps and a manager, Ive gotten the run aroundsaying it will be completed in 3, 5, 7 days since mid- XXXX. XXXX has talked with them and they tell them the same.
Product: Debt collection

I got this letter / bill in my mail box stating : Dear XXXX your account was sold to Portfolio Recovery Associates LLC. Your bank or creditor made a business decision to sell your debt. We purchased your account on XX/XX/XXXX that was 5 yrs ago. A letter is coming to my address when XXXX died XX/XX/XXXX all creditors were previously notified in writing and with a phone call. Its very disturbing to get a letter like this concerning a loved one who is deceased. XXXX XXXX  the original debtor was notified. Before collection is done they perform skip tracing and check XXXX, it shows if the person is deceased, date of death, etc. I know because I used to do collections. I truly believe this company bought this debt knowing XXXX was deceased thinking family members who are not responsible will pay. They need to be fined for deceitful debt collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

************PLEASE READ********* I HAVE CONTACTED TRANSUNION 9 TIMES OVER THIS ISSUE AND I KEEP GETTING THE SAME RESPONSE WHICH IS TO CONTACT THE BANKS WHICH I HAVE 9 TIMES AND ALL 9 TIMES THE BANKS HAVE CONTACTED TRANUNION ON 9 OCCASIONS AND ASKED FOR THE INQUIRIES TO TO BE REMOVED AND FAXED THE BANKS AND SENT ME LETTERS SHOWING THAT THEY HAVE REQUESTED THE INQUIRIES REMOVED WHICH I HAVE SENT TO TRANSUION, TRANSUINON IS BREAKING THE LAW BY NOT DISPUTING THESE INQUIRYS. I am asking for {$30000.00} in damages at this point. Federal law states i may dispute anything on my credit report ANYTHING. PLERASE READ THE COMPLAINT BELOW THAT HAS BEEN SENT 9 TIMES : I have contacted TRANSNION by phone on 3 occasions to remove inquiries on my credit report that are either fraudulant or a mistake and transunion refuses to take my complaint so i contacted the banks and was told they would send letters to transunion or electronic communications to transunion to have the inquiries removed. The inquiries remained so i asked the banks to send me letters to have them removed. The banks sent me letters and transunion said for me to fax the letters to them which i did but the inquiries remained.The following inquiries need removed. XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX  XX/XX/2022. I HAVE ALREADY CONTACTED ALL THE BANKS THAT HAVE INQUIRED ON MY CREDIT REPORT FOR THE DATES AND NAMES LISTED ABOVE AND THE BANKS HAVE CONTACTED THE BUREAUS INCLUDING TRANSUNION, THE BANKS ALSO SENT ME LETTERS THAT I FAXED TO TRANSUNION SHOWING THE INQUIRIES NEED REMOVED. Transunion is breaking the law by not removing the fraudulant or mistaken inquiries. REMOVE THE FAKE INQUIRIES- YOU ALREADY HAVE PROOF THEY WERE SUPPOSED BE REMOVED- YOU ARE CAUSING ME DAMAGES.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Bank account or service

I have a credit card debt with Santander bank and it is well overdue. They took the money from my checking account to cover some of the debt. The funds are from my Military XXXX pay. They took {$900.00} on the XXXX of the month. I was told they can not take money from my government XXXX check.
Product: Credit reporting or other personal consumer reports

Section 604 states that a Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) in Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. I have not applied for any credit recently.

Please read on : Under 15 U.S.C.? 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate, incomplete or cant be verified, the consumer reporting agency shall ( i ) promptly delete. 



The following companies don't have permission or authorization to request my credit report : Inquiry details XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 3 credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened below. 

Account Name Account Number Amount Number Status XXXX XXXX XXXX XXXX {$520.00} Paid, Closed/Never late. 
XXXX XXXX XXXX {$240.00} Open/Never late. 
XXXX XXXX XXXX Secured Loan. Paid in settlement. {$300.00} written off. 
XXXX XXXX XXXX {$300.00} Paid, Closed/Never late. 
XXXX XXXX {$4900.00} Closed/Never late. 
XXXX XXXX Closed/Never late. {$0.00}
Product: Checking or savings account

I submitted this claim trough CFPB XXXX a couple of wees ago, for a dispute of 2 charges with my closed account at Amegy Bank I called today the customer service and after a long wait ( due the freeze status of my account ) I was informed that the dispute was approved and the funds will be deposit to my closed account in 2 days. 
I informed the situation that my account is closed but they couldnt give me more information of how to get that money.
Product: Bank account or service

I accidently forgot to transfer the money I was saving for rent out of my savings and into my checking. For this I was charged an overdraft fee. Today, I see the check is bounced and the fee was refunded. However, now I have another {$35.00} for the bounced check even though the representative on the phone told me the check would by deposited again in XXXX business days at which point it will not bounce because I have made the transfer. The bank refuses to reverse the {$35.00} fee despite my financial distress because of activity on my account that occurred XXXX-months ago. I have been in financial trouble for some time and have paid plenty of fees but in this case, the fee is the only reason why my account will be over drafted {$20.00} in XXXX business days when the check is deposited again.
Product: Mortgage

I have been trying to refinance 2 loans for 9 months with them. They told me in XX/XX/2020 I was approved. They have told me multiple times I was ready to close and nothing. They keep asking for more and more. I have had to pay for 4 payoffs and still no close. They want to run my credit again even though I have very good credit. One of the mortgages they already hold, I've never been late, that should be a no-brainer. They appraised them and there is 50 % equity in them. And they still won't close. I have been through many managers and they keep blowing me off.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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