23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Firstly I never received any invoice or notice to my new address after repeatedly asking them to post or email me the notice so I could see what I had to pay for. We were initially on a plan ( which was above what I could afford ) which I requested that they do not withdraw the Money without me first contacting them to ensure that I had the funds available, they ignored my request and continued to take the money out without any notice. I had to change my bank details as they overdrew my account. 
Because I had not received any notice I could not call them to dispute this with them. After moving to my new place I started to receive calls very early in the morning every single day threatening me that they were going to black list me and ruin my credit. I told them that I could not pay any more money until I received a notice, also that I would pay it once I was able to find employment. After constant threats I ended up paying them money. 
The first transaction was on XX/XX/XXXX {$90.00}, the second was XX/XX/XXXX {$90.00} which was the transaction that overdrew my account. 
Then in XX/XX/XXXX I agreed to pay {$300.00} because they threatened to destroy my credit and they increased the mount owed which I still don't even know why as they have not sent me any invoices. and then I agreed to pay {$100.00} on XX/XX/XXXX the next two weeks to finalize the debt and to be done with them. 

However they have continued to charge my account again this week on the XX/XX/XXXX another {$91.00} They should not be taking Money from my account,. 

The name of the company is Pacific Collections XXXX XXXX and the name of the person I felt with is XXXX XXXX, his number is XXXX XXXX the only way that even have these details is because of my bank statements, as I have not received a notice and now I am worried that I paid a scam company. The name that appears on my statement is XXXX XXXX XXXX XXXX XXXX XXXX. I called them multiple times and left a voicemail but I would like to file a complaint as they have caused me an incredible amount of stress and anxiety. I will push for legal action.
Product: Debt collection

On XX/XX/2022, Linebarger Goggan Blair & Sampson LLP sent me a notice that I owed {$490.00} from XXXX for a red light infraction. It's been 8 years and I have not received any communication about i, nor did the DMV have a record of it. When I searched for the case number provided by the firm on the LA Superior Court website, it said it did not exist. I tried calling but they put me on hold forever instead of speaking to an agent. I searched for this place online and found numerous reports of this operation trying to scam people for nonexistent debts. Research shows that LA stopped collecting fines for this on XX/XX/XXXX, XXXX https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX Inquired onXXXX XXXX XXXX XXXX XXXXXXXX Inquired onXXXX XXXX XXXX XXXX Inquired onXXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired onXXXX XXXX Inquired onXXXX  XXXX XXXX Inquired onXXXX XXXXXXXX XXXX  Inquired onXXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX XXXX XXXX Inquired 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 not to mention the fact none of these were from me they were false or fraudulent attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX DEPT OF EDXXXX  # 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
Product: Debt collection

It 's been more than 7 years my ex did allot of damages to my XXXX score. Never filed bankrupt and they keep changing dates, amount due and selling off to another debt collector. Is this legal. It 's been more than 7 years.
Product: Checking or savings account

My XXXX granddaughter and myself had a XXXX account with the company Copper. Copper is going through a business restructuring and is supposedly refunding all money that was stored on its online accounts to the parent account ( me ). I keep getting emails about the funds being delayed for one reason or another and my granddaughters total savings of {$3500.00} is hanging in the balance.
Product: Debt collection

Midland credit management inc threatened to sue me although they have an arbitration agreement available on the website also threatened to further damage my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX  XXXX XXXX Credit card for over 17 years. I have perfect credit and have never once missed a payment. I have always opted for paper statements and have been receiving paper statements without problems for years. Without my permission or knowledge, XXXX  XXXX XXXX switched my statements to e-mail statements without notifying me and used an out of date e-mail address that was on file from over 14 years ago ( not current nor viable ). For two-three months, no statements were received. I was not contacted via phone. XXXX  XXXX XXXX sent information to a credit agency stating I missed a payment, who eventually contacted me via snail. As soon as I was properly notified, I immediately made a payment and then paid off the balance in full. There is currently a credit due to me on my account due to over payment. XXXX  XXXX XXXX then decreased my credit line by 90 % and provided misleading information to the credit bureaus, which resulted in a drop of my credit score ( which was in the mid-800 's ). I've contacted XXXX  XXXX XXXX multiple times to file complaints and initiate investigations as to what went wrong. They admitted that they wrongly changed the bill delivery to e-mail, discovered the disconnect and re-issued the old paper statements that were not received. I requested that their mistake be remedied so that my credit score is not negatively impacted. They just notified me via mail that my request has been denied ( for no reason-it was their fault!!! ). My request is that my credit score, which was flawless until this company engaged in wrongful acts not authorized by me, be rightfully restored.
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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX/XXXX/Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX  ) XXXX Balance XXXX {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX XXXX XXXX  XXXX Date Filed/Reported : XX/XX/2016XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$120.00}, XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$98.00}
Product: Checking or savings account

Citi bank closes my account and never sent a letter stating why, they then have not released my funds to me they also keep hanging up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application through XXXX XXXX for XXXX XXXX Their website claimed that I would be contacted within a few days. On the XXXX of XXXX I received email notifications that i had several new notifications of new credit inquiries. XXXX XXXX ran my credit report, and gave my information to countless credit unions and Banks without my authorization. On the XXXX of XXXX I put a fraud alert on my account. Today XX/XX/XXXX, I spoke to a supervisor at XXXX XXXX and explained my frustration that my information was given out without my permission. He was very nonchalant and did not seem to care that I was upset. I let him know I was going to file a complaint. Nobody from XXXX XXXX has contacted me until I contacted them today, on the XXXX. Apparently it is a common practice to receive an application and run someone's credit without speaking to the person first, which is frightening especially when credit is involved. None of the credit unions that have my application have contacted me, nor did they have my permission to run my credit.The following inquiries need to be removed as I did not authorize them. 
XX/XX/XXXX and XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from XXXX XXXX on XX/XX/2020. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : XXXXXXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the information Below are the items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments for the XXXX XXXX  account ( Account XXXX ) reflected on my XXXX consumer report. Specifically, the reported 60-day late payment for XX/XX/year> and the 90-day late payment for XX/XX/year>. After reviewing the account details and consulting the Metro 2 reporting standards outlined by the XXXX XXXX XXXX XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX ( XXXX ), I have identified several inaccuracies and non-compliance issues. 

Discrepancies and Non-Compliance Identified 1.Metro 2 Field 17b - Payment Rating for 60 Days Past Due ( Code 2 ) The reported 60-day late payment for XX/XX/year> does not meet the requirements set forth in the Metro 2 standards. No evidence has been provided to confirm that proper notices were sent to me, including any required disclosures or billing statements before this payment was marked as delinquent. 

2.Metro 2 Field 17b - Payment Rating for 90 Days Past Due ( Code 3 ) The reported 90-day late payment for XX/XX/year> similarly lacks supporting documentation and compliance with Metro 2 standards. XXXX 's failure to ensure accurate reporting violates both Metro 2 requirements and the FCRAs mandate for maximum possible accuracy ( 15 U.S.C. 1681e ( b ). 

3.Failure to Adhere to Metro 2 Reporting Standards and CRRG .Per the CDIAs guidelines, all data must align with the standardized formats to ensure accuracy and consistency. The inconsistencies in the reported balance, credit limit usage ( exceeding 100 % ), and delinquency status suggest incomplete or improperly validated data from the data furnisher ( XXXX XXXX XXXX 

.The absence of timely notifications regarding past-due amounts further highlights non-compliance. 

4.Potential Misclassification The account was closed, and the outstanding balance of {$2200.00} significantly exceeds the credit limit of {$950.00}, which is an additional reporting error that impacts my credit utilization ratio inaccurately.

Request for Immediate Action In light of the identified discrepancies and non-compliance with Metro 2 standards, I respectfully request the following : .The immediate removal of the 60-day and 90-day late payment ratings from my XXXX consumer report. 

.A full investigation into the accuracy of the data being reported for this account. 

.Written confirmation of the corrections or a detailed explanation substantiating the reporting, including documented proof of compliance with Metro 2 standards and federal regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By XXXX XXXX XXXX XXXX  Reported On XX/XX/2022 Reported By XXXX XXXX Reported On XX/XX/2022 Reported By XXXX Reported On XX/XX/2022 Reported By XXXX XXXX Reported On XX/XX/2022 Reported By XXXX XXXX XXXX  Reported On XX/XX/2022 Reported By XXXX XXXX XXXX Reported On XX/XX/2022 Reported By XXXX  XXXX  Reported On XX/XX/2022 Reported By XXXX  Reported On XX/XX/2022 Reported By XXXX  XXXX  XXXX  Reported On XX/XX/ 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items off of my credit report due to inaccurate information to both TransUnion and XXXX Neither one of these credit bureaus responded in 30 days, nor did they provide proof of the accurate information. I've sent them 2 letters and no response have been made.
Product: Credit reporting or other personal consumer reports

Excuse me, I would like to bring to your attention that I have concerns regarding the accuracy of the information on my credit report, which is impacting my consumer rights. I believe that I have the right to be treated fairly by those who control this information. I kindly request that you provide me with all available details on how the inaccuracies occurred and how you will rectify them to ensure compliance with the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards.

I understand the seriousness of this issue and how it could compromise the integrity of your data if these standards aren't followed. As a result, I urge you to take corrective measures as soon as possible to remove any false accounts from my credit report. I rely on factually accurate, verified, and compliant data in my credit report, and I can't afford to have anything less than 100 % accuracy. Thank you for your prompt attention to this matter.

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, NY, XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had a mortgage with Bank of America when my husband lost his job. He was unemployed for 2 years so we filed a forbearance on the mortgage. We sold the house to satisfy the loan and closed on the last day of the 30 day grace period BOA offered us ( XX/XX/XXXX ) and satisfied the loan in full. We were NEVER even 1 day late on a mortgage payment for this loan. Our credit reports have been showing the mortgage on the home as being delinquent for more than 120 days since XX/XX/XXXX even though it was paid in full within the allotted time frame. 
I corresponded with Bank of America and have XXXX letters from BOA showing the loan should not have been marked as delinquent and the letters note BOA submitted corrections to the credit agencies. I have written and telephoned all XXXX credit agencies and the loan is still showing delinquent, even 14 months after selling the home and having BOA send the correction letters. 
On XX/XX/XXXX XXXX XXXX at Bank of America called and she told me BOA contacted all credit agencies and corrected the discrepancy. She believed the discrepancy would be gone after XX/XX/XXXX but it is still showing on my credit report as of XX/XX/XXXX. 
I do n't know what else to do - I have worked with BOA and they said they have done all they can do. I have worked with all XXXX credit agencies and they say the negative data they are getting is from BOA so they ca n't make the change. I have attached supporting documentation including the XXXX letters from BOA and the XXXX page from today showing the loan is marked as a 'negative ' account and delinquent ( but closed ). 
Please help me resolve this problem. I am hoping to purchase a home this fall and can not have this discrepancy in my credit file as it is bringing down my credit score. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XX/XX/2022- Equifax received notice of the multiple entries on the credit report by a company called XXXX that did not belong to me. Equifaxs investigation was not thorough as there is now even more documentary evidence that this intrusion is a result of identity theft.
Product: Credit reporting or other personal consumer reports

I just reviewed my consumer report and found that there are still unauthorized inquiries. I already communicate to TransUnion requesting for reinvestigation unfortunately the issue remains unresolved to this day. 

XXXX : 1 ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 
2 ) Unauthorized Inquiry : Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove this inquiry from my credit report. 

TransUnion : 1. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Unresolved Complaint - Request for Removal of Inaccurate Account from Credit Report In re : CFPB Complaint Number XXXX XXXX Transunion-XXXX  Dear CFPB, I am writing to follow up on my previous complaint, referenced as CFPB Complaints Number XXXX and XXXX which I filed over 30 days ago regarding inaccuracies on my XXXX, XXXX and Transunion credit report. To date, I have not received a response from Either, nor have they initiated the required investigation into the dispute. This continued inaction is negatively affecting my credit profile and my ability to obtain credit. 

The complaint concerns the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 1681i ), credit reporting agencies are required to investigate disputes and respond within 30 days. As XXXX has failed to meet this deadline, I request the immediate removal of this account from my credit report, in accordance with Section 611 ( a ) ( 5 ) of the FCRA, which mandates deletion of information that can not be verified. 

Furthermore, All three bureaus non-compliance violates my rights under the FCRA. Section 623 ( 1681s-2 ) requires furnishers like XXXX XXXX XXXX to provide accurate and complete information to credit reporting agencies, and I believe this obligation has not been met in my case. 

I respectfully request that the CFPB take immediate action to enforce XXXX, XXXX and Transunion 's compliance with FCRA regulations and ensure the removal of this inaccurate account from my credit report. Additionally, I ask for any guidance on further steps I may take to protect my rights and resolve this issue. 

Thank you for your attention and assistance. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

FOR XXXX MONTHS WELLS FARGO TOOK OUR PAYMENTS AND NEVER APPLIED THEM TO OUR ACCOUNT. I CAME HOME FROM WORK ONE DAY TO SEE WE WERE SERVED BY A MARSHALL WITH FORECLOSURE PAPERWORK. MY HUSBAND AND I WENT THROUGH MONTHS OR FRUSTRATION, ANGER, SICK TO OUR STOMACHS BEING TREATED SO POORLY BY WELLS FARGO. THEY DENIED EVERYTHING EVEN AFTER WE SHOWED THEM OUR BANK STATEMENTS THAT THEY TOOK OUR MONEY EVERY MONTH. WE MISSED WORK. WE GOT AN ATTORNEY. I SAW THE ARTICLE ON XXXX ABOUT " WELLS GARGO MIGHT OWE YOU MONEY '' THEY SURE DO AND I HAVE PAPERWORK FROM COURT AND EMAILS TO PROVE IT. WELLS FARGO RUINED OUR CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1

5 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
Product: Debt collection

On XX/XX/23 Sequium Asset Solutions reported a collection in the amount of {$1400.00} to all 3 of my credit bureau. This account is a result of XXXX account that was opened as a results of Identity Theft in XXXX Tx. A state I do not live in. I was first notified of the XXXX acct in XXXX at which time I took action and filed a police report with XXXX XXXX Police Dept . Report # See attached forms. I also filed a complaint Report with the Federal Trade Commision. Report # See attached forms. 
I also had to fill out a XXXX Affidavit -See attached. That stated that this was not my account and was a result of Identity theft!! 
The first collection agency that had this acct XXXX  in XXXX Tx removed the false acct and that is when Sequium picked it up 5 months later.