23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute in XXXX information that XXXX XXXX XXXX is reporting to the consumer reporting agencies XXXX Experian and XXXX regarding my account despite multiple disputes and the submission of evidence the inaccuracies remain uncorrected causing significant harm to my credit profile and impacted my ability to secure employment and transportation I have made numerous complaints and disputes regarding XXXX XXXX XXXX, account number XXXX, and the CFPB, the consumer reporting agencies ( XXXX, XXXX and Experian ). All these agencies have disregarded to even look at my complaints and disputes. 

If this account name : XXXX XXXX XXXX # XXXX is verified to be accurate and complete through the creditor and these above agencies, WHY IS?

1 ) FAILURE TO MARK ACCOUNT AS DISPUTED : Despite my repeated dispute the account has not been marked as disputed, which violates the Fair Credit Reporting Act ( FCRA ). Under section 611, credit reporting agencies are required to indicate that an account is under dispute.

2 ) ACCOUNT BALANCE : XXXX XXXX XXXX is reporting a balance of XXXX. However, I have received verification from XXXX XXXX XXXX XXXX, acting on the behalf of XXXX XXXX XXXX as debt collectors indicating that the balance on this account is {$0.00}. Despite this documentation the credit bureaus continue to report the incorrect balance.

3 ) DATE OF LAST PAYMENT : There are discrepancies between the date of last payment and the date of last activity as reported by the credit bureaus these dates are inconsistent which affects the reporting period for this account.

4 ) INACCURATE PAYMENT HISTORY : XXXX is reporting misleading and inconsistent payment history data including marking months as " OK '' even though the account is " CLOSED AND CHARGED OFF ''.

SUMMARY OF FCRA VIOLATIONS : - Failure to correct inaccurate information despite being provided documentation in violation of Section 623 of the FCRA.

- Failure to properly reinvestigate my disputes, in violations of Section 611 of the FCRA.

- Failure to mark the account as disputed as required by the fcra after multiple disputes were filed.

IMPACT ON MY CREDIT AND MY EMPLOYMENT : These inaccuracies have severely damaged my credit score, making it difficult for me to obtain transportation and secure employment causing significant financial distress.
Product: Debt collection

Wells Fargo calls from XXXX to collect on a credit card. They are calling my work number after I expressly told them not to. This is violation of the FDCPA.
Product: Mortgage

I obtained my home loan through BoA ( of course they only administer it now, as it was bundled and sold to XXXX XXXX ). Over the last 3 years I have sent an additional payment to be applied against the principal of my home loan four different times, and each time the funds have been credited as future monthly payments rather than towards the paying down of the principal. Each time I must call customer service, wait on hold for 35 min. and then spend another 10 min. getting it sorted out. Each time I have been told that I have done everything correctly in the way the payment was clearly marked " Principal Only '', and that they do n't know why the " mistake '' was made in how the funds were applied. Four out of four times is not a mistake, it is a clear pattern. It appears that Bank of America wants to make it difficult for the millions of customers, whose loans they administer, to pay off their home loans early. It must not be in their financial interest to have us do so, but it is our legal right. I have already filed complaints through official BoA channels and sent letters to executives of associated departments. No improvements in 3 years. If they wanted to provide the service they claim to provide, they could easily put the right systems in place. We bailed these greedy cheating folks out in a big way, it is time they were held accountable, time for them to perform as advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Xactus LLC has conducted an inquiry of my credit resulting in a hard credit inquiry. I have no knowledge of this company and have not consented for them to review my credit. It is damaging my credit scores.
Product: Debt collection

Dispute of Incorrect Charge-Off on Credit Report ( Navient Loan ) Dear Sir/Madam, I am writing to formally dispute an inaccurate charge-off entry appearing on all the three major credit report under the account held with Navient. I was an eligible class member in the XXXX v. Navient class action lawsuit settled on XX/XX/XXXX. My student loan was discharged as part of the settlement agreement. However, a portion of this loan is now incorrectly reported as delinquent, charged-off and in collections. 

The details of the incorrect entry are as follows : 1. Creditor Name : Navient 2. Account # per XXXX : XXXX 3. Balance Reported : {$38000.00} 4. Date Reported : XX/XX/XXXX Per the terms of the class action lawsuit settlement, this loan should be discharged, and the remaining no remaining balance should be reported as due or delinquent.
Product: Debt collection

My car was taken by city of XXXX i called my finance company many times on status updates with my vehicle a guy that originally handled my account i spoke with and he called trying to collect on a debt first time we spoke i started asking questions regarding my car and told him after repeated attemps to find out whats going on how can i continue to pay and know nothing about my vehicle when he then got closer to the phone and with a lower voice states thats not my problem that your car was taken very rusely so i asked for a manager and which he refused to pass me to one so i hung up and called back repeated time which i was then ignored so i waited a few days and called again they said they will get a manager to call back which never happened and then the same employee called again trying to collect on the debt this time not verifying who he was speaking with jist told all my information to a 3rd party so i finally got in contact with a manager which said she was sorry etc and i told her i only want to spk with members of management which continued to not happen so then another guy called and with no recordi g statement no mini maranda warning which was also never done prior then has the same remark stated by first employee so i then vr he was a collector he said yes i vr he knew his fdcpa laws said yes then i pointed out everything he did wrong and cease and assisted all Communications and started to look for a attorney which i still am seeking
Product: Checking or savings account

XXXX  Payroll deposit ( {$770.00} ) not received.

Told of third party problem, but issue has been present for several days.
Product: Debt collection

I contacted the company and asked for proof they could collect on the debt after it being written off by the original company and proof the debt belonged to myself with signature proof, license, etc. proof that I was binded and obligated to pay the company that purchased the debt. They only provided an account summary which provided none of the information which I asked for and they continue to call my phone repeatedly and send emails when Ive asked them for contact via mail only.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint over items that are not mine. I have a fraud alert that I thought would stop people from pulling up accounts for business. I have some unknown inquires that I am really confused as to how this keeps happening!!! Please delete the following : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX /XXXX XXXX. I demand to see the name address and ID used to apply for these accounts for business.604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights 15 U.S.C 1681 section 602A. 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 TransUnion, XXXX, and XXXX have refused to remove this account after submitting an identity theft report from FTC. TransUnion, XXXX, and XXXX has not furnished any documents for account validation after multiple requests. 

Account number reflects inaccuracy across TransUnion, XXXX, and XXXX Date Opened reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX XXXX XXXX reflects inaccuracy across TransUnion, XXXX, and XXXX Date Last Active reflects inaccuracy across TransUnion, XXXX, and XXXX Date of Last Payment reflects inaccuracy across TransUnion, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE INFORMATION To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors. According to federal law, you are required to comply with the requirements imposed under the FCRA, 15U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown 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
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of 15 U.S.C. Section 1681 ( I ) of the FCRA. XXXX XX/XX/12 XXXX TransUnion failed to comply with my request to provide proof of their investigation. ( Description of Investigation ) The FCRA XXXX XXXX  clearly states that a consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) not later than 15 days after receiving a request from the consumer for that description, TransUnion has repeatedly failed to do so. TransUnion has failed to provide proof of their investigation, and ignore proof that the following account contains errors. XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my report that I did not authorize.
Product: Mortgage

I have an HELOC account with Third Federal with a balance of {$190000.00} as of XX/XX/2023. My monthly payments fluctuate and have been increasing because the interest rate is not fixed and has been increasing. The last payment due for XX/XX/2023 was {$1300.00}. 

I applied for a new {$190000.00} loan to replace the current loan with a XXXX XXXX on XX/XX/2023. The monthly payments for the first five years would be reduced to {$1200.00}, and there would be no closing fee because of my existing loan with Third Federal. 

On XX/XX/2023, I was told that my new loan application was declined because I dont make enough money to pay the new loan. I requested the loan officer and a manager from Third Federal to reconsider my application. I was told that if I were to lower my monthly payment, I could only do it by extending my current loan.

The reason that Third Federal gave for declining my new loan application does not make sense to me. If I can afford to pay {$1300.00} per month on my current income, I can afford to pay {$1200.00}, which is almost {$100.00} less, each month. I believe Third Federals rejection of my application was unjustified and discriminatory.
Product: Credit card or prepaid card

My entire correspondence with Citibank is contained in the six PDF files enclosed. This concerns the Citibank 2% cash back card. Providing no reason or justification Citibank terminated my account which is never suffered a penalty and been in effect for over 10 years. They refuse to provide the 2% cash back which I have earned too many months of usage of their card. Please read the enclosed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is 3rd party debt collection agency and they keep reporting to my credit report not following the guidelines of reporting every 60days.
Product: Debt collection

On XX/XX/2020 I spoke with XXXX at XXXX XXXX who advised she was a manager on  a recorded line. She provided details regarding a medical debt and advised that the account had not been sent to any of the 3 major credit reporting agencies. She did advise that if I made a payment of {$320.00} in full it would ensure the debt would not be reported to any credit reporting agency. I paid the debt in full as agreed upon. Later that afternoon, I was made aware by XXXX XXXX that the XXXX XXXX XXXX had been reported to the credit agency. I returned a call to XXXX XXXX and spoke with manager XXXX in the XXXX office who further advised that no account with XXXX trade line had been reported. I explained that it had been and asked if it would be deleted based on the assurance Id been given. I was told that they would not delete. I feel that this company acted in a deceitful and unfair manner. During a pandemic financial hardship, Im trying to protect and repair my credit. I tried to do honest and fair dealings with XXXX and they use deceptive practices to collect a debt. I am requesting that XXXX remove all trade lines from all major credit bureaus due to them unfairly advising me that they had never reported. Please any support that the CFPB can provide in resolving this issue would be greatly appreciate.
Product: Debt collection

On XX/XX/XXXX I send a certified letter to XXXX XXXX XXXX requesting validation of an account in the amount of {$1900.00}. 

On XX/XX/XXXX I opened a dispute with each of the credit bureaus ( XXXX, XXXX, and XXXX ) to verify the accuracy of each account. All were verified with exception of XXXX, which deleted the account. However, the date open is inaccurate since the accounts date of first delinquency is XX/XX/XXXX ( confirmed by the original creditor during call on XX/XX/XXXX ) and XXXX XXXX XXXX is reporting the open date as XX/XX/XXXX. From my understanding the Open date must match the date of first delinquency. 

On XX/XX/XXXX, XXXX XXXX XXXX responded with a copy of the statement, private medical information ( which is hippa violation ), hippa agreement. XXXX XXXX XXXX is not listed on any hippa disclosure agreement they sent to me.They did not provide all of the requested validation items which included a request for an agreement with the original creditor stating their authority to collect on the alleged debt. Additionally, how are the credit bureaus able to very an account that not been validated with the consumer. 

On XX/XX/XXXX, I contacted the original creditor to get all previous statements that would have been mailed to me prior to the account being turned over to XXXX XXXX XXXX. The hospital billing department could not provide me with the statements and told me that I needed to contact XXXX XXXX XXXX to obtain those items since the account is now with them. However, the hospital did inform me that the date of first delinquency was XX/XX/XXXX. I called medical revenue services to obtain a copy of all statement and was told the only I will get is what they have already sent. During this call the associate and supervisor were rude, condescending, and made a few accusations in regards to my character stating that I lied in a dispute to the credit bureaus stating I was never at the hospital which is entirely false based on the letters I have to this complaint which I have attached. She also made comments about my mode of living and stability, which can be proven to be inaccurate.I have attached a recording of the call from today.
Product: Credit reporting or other personal consumer reports

As Experian 's records show, various requests were sent via certified mail requesting original documentation from the furnishers under Section 609 of the FCRA. These requests were ignored and never fulfilled. These violations will have to be resolved at a later date in a US district court of competent jurisdiction as stated in 15USC 1681p. In addition, there are several charged off accounts ( or discharged accounts ) which should be deleted from my credit profile because according to the Supreme Courts these credit furnishers can not collect discharged debts. These furnishers may not make any attempt to collect a discharged debt. These furnishers can not assert a deficiency, or otherwise try to collect from the debtors personally on discharged debts. Creditors who violate this order can be required to pay debtors damages and attorneys fees. https : //www.supremecourt.gov/opinions/URLs_Cited/OT2018/18-489/18-489-1.pdf One of the charged off accounts ( XXXX ) is connected to an inaccurate address. Experian 's continued refusal to remove these charged off accounts is a clear violation of 15 USC 1681 n and 15 USC 1681 s-2 and 18 USC 1001 as well. According to the attached Internal Revenue Service instructions for the 1099 A and 1099C, charged off accounts are considered income. Income as shown in the attached statement from Experian is not included on credit reports. The Internal Revenue Service states : File Form 1099-C, Cancellation of Debt, for each debtor for whom you canceled a debt owed to you of $ XXXXFile Form 1099-C if you are any of the following. 1. A financial institution described in section 581 or 591 ( a ) ( such as a domestic bank, trust company, building and loan association, or savings and loan association ) 4. A corporation that is a subsidiary of a financial institution or credit union, but only if, because of your affiliation, you are subject to supervision and examination by a federal or state regulatory agency 6. Any organization whose significant trade or business is the lending of money, such as a finance company or credit card company ( whether or not affiliated with a financial institution ). Under the section Statements to Debtors, the Internal Revenue Service states : If you are required to file Form 1099-C, you must provide a copy of Form 1099-C or an acceptable substitute statement to each debtor. By intentionally reporting income as a debt when the alleged debts are not collectible, Experian has not only disobeyed the FCRA, but XXXX XXXX is also conspiring with the furnishers to commit tax fraud and other violations.