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

I have inquired multiple times with the company to verify HOW DID THEY VERIFY the accounts in question. I have asked whom did they speak with to verify the accounts along with other questions and the could not verify that they legally verified the accounts. 

I had asked if they could not tell me how they legally verified the accounts that I would want the accounts removed from my file. 

The company had over 45 days to show proof of their verification process and I have not heard back from the company.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX CREDIT : # XXXX, has violated my rights. 


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

I called US Bank Visa credit card ending in XXXX requested a forbearance as I was impacted by the Corona virus and they denied my request and us Bank Visa Credit Card indicated that if I was 30 days late they would report it to the credit reporting companies
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Checking or savings account

My claim should be honored because my ATM card was stolen from the Company 's ATM machine. I made a deposit that day and the never got the card back. I believe who ever the next person used the same ATM machine stole the card and have used at different stores and restaurants many many times. I reported all the transactions not made by me to Navy Federal credit union on XX/XX/22. I believe my card was used without a password and i don't understand why this bank alerted me days later. Unfortunately, the company said that there was no error. They did not do an investigation. They did not check the camera of their ATM machine. I believe they did not do anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is showing my account as " dismissed '' in the comments and " Derogatory '' as a condition. I had disputed the account with Transunion once, but they listed the account as in dispute and I'm applying for a loan and had to remove the dispute. XXXX is no longer in business or filled bankruptcy and Transunion didn't update. 

This loan was list in XX/XX/XXXX to be included in a bankruptcy ; the bankruptcy was dismissed XX/XX/XXXX. At the time Everhome owned the mortgage and transferred it to XXXX XXXX who then merged with XXXX. XXXX transferred this account to XXXX XXXX XXXX  in XX/XX/XXXX. See notice of transfer from XXXX. XXXX never had the account listed as dismissed. 

I need the account to remove " dismissed '' from the comments and remover derogatory. This has caused my credit score to drop and I have to pay higher interest. Caused multiple pulls from the mortgage company. And the loan could be denied.
Product: Debt collection

XXXX XXXX from Creekside Recovery Capital Management was trying to collect a debt for XXXX I was told I was being sued for XXXX when we tried to work out a payment arrangement and my mom would n't give out a credit card number, he started yelling and saying everything thing I say is XXXX, then he proceeds to say again I was being sued and that 20 % will be taken from my paycheck. My mom asked for a physical bill in the mail and would send money orders and XXXX XXXX started yelling profanities at my mom. My mom asked to speak to his supervisor and he refused and then said you have an hour and a half to get me a payment of XXXX dollars for the XXXX payment or I will tell my supervisor to give to the judge and do n't call back I will call you for the payment. This all occurred on XXXX/XXXX/2015
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. 
Midland Credit Management , Inc has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) My failure to dispute the validity of this alleged debt shall not be construed as my admission of liability! 
15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
These abusive and deceptive actions have caused a denial of credit and Midland Credit Management , Inc is liable to me for actual damages sustained due to violations committed under the FDCPA. I have proof that Midland Credit Management , Inc has a history of committing identity theft against consumers by furnishing inaccurate items on consumer reports without conducting a reasonable investigation beforehand. See attached consumer complaints pulled from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I checked my credit with all XXXX credit bureaus, and found there was a collection account on my credit record from XXXX XXXX. I disputed first with XXXX and XXXX as Equifax was not reporting it as of yet. I also disputed it directly with XXXX XXXX, filed a police report as I was told by XXXX that they used my name and social security number but used a different address. An address in which I have never lived at and my driver license doesnt even state that false address that was used. I provided all supporting documents to XXXX XXXX and within a day they sent me back a response stating that they found that I was not responsible for that fraudulent account and they were going to report this to the credit bureaus. Now I checked today and now Equifax is reporting that collection account on my credit. In which they have no proof to link or no verification to link me to that account. Because when you open up a wireless account you need to provide ID and secondary verification, in which it was impossible for the thief to have provided that when I have never reported that address that they did. And I have never open account with XXXX.
Product: Mortgage

Flagstar bank/ XXXX should not be allowed to service loans, they dont seem to have the capabilities to do so. Primarily, they continue failing to process payments from my bank account. When I schedule payments they mark in Flagstar as " posted '' do not draft from my account. I have confirmed routing and account number ; a Flagstar rep was able to manually pull the payment in the past, yet scheduled payments dont work and they had to cancel my recurring payment to do so. This all now has resulted in a {$20.00} late payment fee to Flagstar. I am now unable to find any support contact information on their website. They have also failed to contact me via phone or email on the matter, I just have to keep checking and have received letters a week or more after the fact. 

I have had no problems with XXXX, my previous loan servicer. As a result of Flagstar 's terrible systems and support I'm now paying additional fees, wasting huge amounts of time and possibly damaging my credit.
Product: Debt collection

XXXX  , XXXX started sending me letters in XXXX but their address has changed a few times since then, making it hard to contact them. They finally sent a letter at the end of XXXX of XXXX stating that they would sue me for the supposed debt that they claim I owe them. After finding out a way to actually contact them, which according to their own website would have to be through Resurgent Capital Services, I sent them a letter on XX/XX/XXXX requesting that they validate the debt but their response, which was mailed out on XX/XX/XXXX, was just printouts of old statements from the original creditor. I responded on XX/XX/XXXX to their letter telling them that what they sent me does not meet the Federal Trade Commission 's guidelines of what constitutes proper debt validation and that they are now in violation of the Fair Debt Collection Practices Act and Fair Credit Reporting Act for still reporting invalidated and inaccurate information on my credit report. I have not heard back from them since then but they have continued reporting on both XXXX   and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

Mortgage was originally opened in XX/XX/XXXX with the loan valued at {$140000.00} which is also prior to the FHA changes to PMI. 

Loan was sold to LakeView Loan Servicing LLC at some point from the original company. Original contract stayed intact and should not have changed the being able to drop PMI after a minimum of 5 years and XXXX at 78 %. 

On XX/XX/XXXX I made an additional payment of {$1200.00} to bring my LTV under the 78 % threshold which is the threshold for auto removal of PMI. 

On XXXX I was charged {$110.00} for a PMI disbursement. 
On XXXX I was charged for a PMI disbursement for {$110.00} I had submitted a support ticket between XXXX & XX/XX/XXXX questioning about this On XX/XX/XXXX when they " cancelled '' my PMI they took an additional {$110.00} Called on XX/XX/XXXX to inquire about a refund due to this. Never received a response either written or electronically. 
Called on XX/XX/XXXX to inquire about the previous call and found out that there was no ticket escalated. The customer service rep then said she would escalate a ticket. 
Called on XX/XX/XXXX to inquire about the previous call and found out that the ticket was closed with no response written or electronically. Customer Service rep confirmed that this was dropped on XX/XX/XXXX but was adamant that they will not retroactively refund the above amounts. Waited to put this complaint in until I talked to the supervisor, but currently as of XXXX CST, I have been on hold for 130 minutes waiting to talk to someone. 

I have attached XXXX - XXXX statements from LakeView Loan Servicing LLC.
Product: Credit card or prepaid card

I have been a Chase XXXX Visa cardholder for 20 years. I have submitted multiple requests for XXXX gift cards containing my rewards points accrued and have not received them, even after requesting they be sent via overnight delivery. I have made multiple calls to the Chase customer service department over the past 2 months and none of the representatives or supervisors have been able to correct this issue. I am leaving for vacation to XXXX in 2 days and am unable to purchase water park tickets and reserve a cabana using my points. I would have to pay out of pocket if I still want to take my kids to the water park. I am profoundly disappointed that Chase is unwilling to correct this situation and have spent hours on the phone with them only to be transferred from person to person without resolution.
Product: Credit reporting or other personal consumer reports

My Experian credit report contains inaccuracies that should have never been reported, and I find this completely unacceptable. These errors raise serious concerns about the reliability of your reporting process. The presence of such incorrect information is negatively impacting my financial stability, and I will not stand by while these mistakes go unaddressed. 

As a consumer, I have a legal right to a credit report free from false or unverifiable data. The FCRA mandates that all reported information be accurate, and any errors must be corrected immediately. I demand a full investigation and immediate corrective action. Any delay in resolving these issues will not be tolerated. 

Company Name : XXXX XXXX  - Account # : XXXX - Balance : {$210.00} Company Name : XXXX XXXX - Account # : XXXX - Balance : {$630.00} Company Name : XXXXXXXX XXXX - Account # : XXXX - Balance : {$910.00}
Product: Credit card or prepaid card

Bank of America closed all of my credit cards without any notice. My interest increased directly after without my notice.
Product: Credit reporting or other personal consumer reports

Many years ago XXXX reported that I owed over {$11000.00} for a car that was already paid off and settled. Every time that I tried to dispute that I owed anything, they would decline my request to update my profile and fix the error. They informed me that the only way to fix the problem is to report it as fraud if I do not owe the debt. This company as well XXXX and Experian all told me it was the only way to have my credit report fixed. because they said XXXX said it has not been paid. They refused the documents I showed them that prove that the insurance and gap insurance paid off the car. For the past year because my credit report had been frozen, I could not see the changes they had made to my account. So, after I reported fraud like they instructed me to do. They secretly updated the account to paid off and took it off of my report. Intentionally misleading me so they can delete the positive history from my account and cause my credit score to go down. I recently discovered this once they finally activated my credit report again and I sent them proof that XXXX recently faxed them information telling them to report it to my credit report. XXXX, as well as XXXX and Experian are all ignoring the emails to keep my credit score low.
Product: Debt collection

Portfolio Recovery has called from this number : XXXX several times. The real problem is that the caller ID indicates the call is coming from XXXX XXXX, and not Portfolio. This is a very deceptive method, and if it is not illegal, it should be. Claiming to be another company to intentionally deceive the recipient of the call just to collect on a debt is wrong.
Product: Credit reporting or other personal consumer reports

This letter is regarding this account which you claim I have a collection with your organization. This notice is to let you know your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within XXXX  days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : XXXX ) Defamation XXXX ) Negligent Enablement of Identity Fraud XXXX ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action Have a blessed day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to correct this issue with Kohls through the complaints/disputes filed with the 3 credit bureaus ( XXXX, XXXX, and XXXX ). The debt is a charge off but continues to show a past due amount of {$1100.00}, reflecting this as open revolving credit when it should report as {$0.00}. In addition I requested a 1099c form if this debt is in fact a charge off, as I would like to audit this debt with the IRS, and if it is fraudulent I would like to report it, as incorrect documentation and reporting on the credit report is a direct violation of the FCRA 15 USC 1681 eb.
Product: Credit reporting or other personal consumer reports

I disputed Personal information. Such as my address Equifax continues to place wrong addresses on my credit reports profile. Promoting Identity theft. 

My Address is XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX My address is not XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arizona XXXX.
Product: Debt collection

The debt collector XXXX XXXX XXXXXXXX XXXX They already sued me for the balance of {$640.00} they said that I have been using the amount for my JC Penney credit card for shopping, the account does not apply to me because someone has been using my information my I.D, S.S, and opened this account in Nebraska XXXX and I never lived there before and that account has been opened my someone in XXXX Nebraska and the address was XXXX XXXX XXXX, XXXX, Ne XXXX and In the same year XXXX I was having issues for my federal tax and I have a case already with IRS so please investigate this problem. 
Thank You
Product: Debt collection

There was a collection on my transition and all XXXX other consumer reports. File # XXXX on transunion. That collection was removed on XX/XX/2024 by transunion. On XX/XX/2024 it was put back on my consumer report on the same day Im in litigation with XXXX XXXX XXXX  that I filed with you guys FILE # XXXX. As a consumer I have rights. This is not a coincidence since the banks are linked to these credit bureaus. They practice illegal tactics. I disputed this collection with transunion did the correct process. Did my legal litigation with them and preformed my dutys as a consumer. Through that process it was removed. 4 days later with no legal steps at the same time Im in a legal litigation with XXXX XXXX XXXX  for this inaccurate collection that was removed. It gets put back on with no explanation. This is not right and unfair practices.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( 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 XXXX XXXX XXXX XXXX XXXX XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX was asked to verify a medical collection listed on my credit report. I was expecting a bill to be mailed to me or confirmation to come directly from the hospital they had listed XXXX XXXX. Instead XXXX XXXX XXXX sent me a medical bill showing personal health information as well as a copy of my insurance card. I feel so violated that a debt collector can get my PHI without my consent considering my own kids wouldnt be able to without my consent. According to 15 U.S. Code 1681a ( i ) ( 2 ) - Medical information about the consumer can not be furnished. Is this company above the law or are my consumer rights revoked? 15 USC 1681 section 602 states I have a right to privacy.
Product: Debt collection

I HAVE MADE NUMBEROUS ATTEMPTS TO VALIDATE A DEBT THAT ANDREU, PALMA, LAVIN & SOLIS, PPLC HAS FILED A LAWSUIT AGAINST ME ON BE HALF OF THEIR CLIENT XXXX XXXX XXXX. I ADVISED ANDRUE, PALMA, LAVIN & SOLIS THAT I HAVE BEEN AN AUTHORIZED USER ON ACCOUNTS WITHIN MY FAMILY. I ADVISED THEM ALL THOUGH I DO RECOGNIZE SOME OF THE CHARGES ON THE CREDIT CARD STATEMENT, I WAS REQUESTING THE ORIGINAL CREDIT CARD AGREEMENT WITH PROOF OF MY LEGAL SIGNATURE. THIS WOULD PROVIDE PROOF THAT I AM THE ACCOUNT OWNER AND NOT AN AUTHORIZED USER. I WAS ADVISED BY ANDREU, PALMA, LAVIN & SOLIS CUSTOMER SERVICE THAT THEY DO NOT HAVE TO PROVIDE PROOF AS REQUESTED. I FEEL THIS IS AN UNFAIR PRACTICE ON THEIR PART AND THEIR CLIENT NOT TO PROVIDE PROOF OF ACCOUNT OWNERSHIP. IN ADDITION, I ADVISED THE LAW FIRM THAT THEIR CLIENT HAS IN THE PAST TRIED TO COLLECT THE SAME DEBT USING A DIFFERENT DEBT COLLECTOR AND FAILED TO PROVIDE PROOF OF DEBT OWNERSHIP. ( PLEASE SEE ATTACHED DOCUMENTATION.