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

This is NOT a duplicate complaint. This is a new complaint against the credit reporting agencies. XXXX XXXX corrected my credit report and now is ( 0,0,0 ), but my credit file with XXXX, Xperian and XXXX still appear as delinquent for 30 days. 

The facts are the followings : XXXX gave payment extensions to all clients who needed such relief, after Hurricane Mara hit the island last XXXX. The extensions were for the payments due on XXXX, XXXX and XX/XX/XXXX, and were applied to all accounts in which no payments were made on those specific months. Claimant made the XXXX installment payment, on XX/XX/XXXX ; so he was only entitled to extend payment for the installments due on XXXX and XX/XX/XXXX. Nonetheless, he didn't make the payment for the installment due on XX/XX/XXXX ; until XX/XX/XXXX. 

DESCRIPTION OF NON-MONETARY RELIEF As claimant states that he believed the three installment extension offered by our company covered those due on XXXX, XXXX and XXXX, since he had made the XXXX installment payment before the hurricane hit, we have proceeded to extend his XXXX installment ; thus making his account current and his credit history 0/0/0.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with the credit reporting practices of a credit bureau concerning an account with a balance of {$430.00}. I have contacted the credit bureau multiple times to dispute the accuracy of the information being reported on my credit report. Specifically, the date of last activity for this account is inconsistent across different credit bureaus. 

Experian is reporting the date of last activity as XX/XX/XXXX, while XXXX is reporting the same account with a date of last activity as XX/XX/XXXX. This discrepancy suggests that the account has been re-aged, which is incorrect and harmful to my credit standing. 

Despite my efforts to resolve this matter, the credit bureau has responded by stating that the account was verified with no changes made. This indicates that they did not conduct a proper investigation into the matter, as the conflicting information clearly shows that the reporting is inaccurate.
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX/DOFED XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Credit reporting or other personal consumer reports

I disputed incorrect, inaccurate, and fraudulent information on my consumer credit reports with XXXX, XXXX, and TransUnion several times in 2023. I sent written disputes multiple times in 2023 in the mail regarding the fraudulent account with XXXX XXXX  on my personal credit reports. I received responses from all three credit reporting agencies showing the item was verified and remains. I requested as per my rights under Federal Law with the Fair Credit Reporting Act ( FCRA ) proof/verification of this item in writing. All disputes were mailed to the credit reporting agencies in writing multiple times in 2023. I requested proof of the investigation from the credit reporting agencies multiples times in writing in 2023, which I am entitled to have under the FCRA upon request. I also requested in writing multiple times, proof supporting the credit reporting agencies decision to leave the item on my report as " Verified ''. I requested proof of verification that this item was authorized in writing. I also requested proof in writing showing original signatures of the item XXXX XXXX  XXXX was authorized by me. The credit reporting agencies have continued to ignore my requests in writing, they only respond with " we verified this items belongs to you ''. There is no supporting documentation offered that verified any proof of this item being valid, no supporting documentation in writing showing original signatures authorizing this item. Since the credit reporting agencies can not provide proof of their investigation or proof of the item belonging to me, I requested multiple times the item be removed from my credit report and this would be in compliance with the FCRA. I have not received any written documentation proof and the item remains on all three personal credit reports on XXXX, XXXX, and TransUnion after having submitted multiple written dispute requests in writing to all three national credit reporting agencies.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I submitted a report to the CFPB, which has since been closed without any response or correspondence from the corporation regarding the listed violations and associated invoice. Although they sent a copy to the CFPB, they failed to provide me with one. Subsequently, they have initiated flagging my account on EXPERIAN, resulting in an XXXX decrease in my credit score subsequent to the issuance of a cease and desist notice. It is imperative that they refrain from harassing me via Experian or any other credit bureaus. Despite my notification of numerous violations, they persist in attempting to indirectly demand payment, which constitutes illegal behavior.
Product: Credit card or prepaid card

this account is fraud, i dispute this account several time and they say this is mine and isn't. please remove it from my credit this isn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX Bankruptcy : Bankruptcy # XXXX, has violated my rights. 
XXXX XXXX, has violated my rights XXXX XXXX XXXX, has violated my rights XXXX, has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in identity theft disputes multiple times in which the bureas have failed to response let alone follow the guidelines outline in FCRA 605 ( B ) that states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. In which they have not complied with I also sent these documents certified so I have proof of receipt. For Example USPS tracking number XXXX. Confirmed ation of receipt was on XX/XX/2020
Product: Debt collection

Pettinger Law Group, llc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Kansas XXXX. XXXX XXXX XXXX ( all ) Debt collection agency-attorney 's representing XXXX XXXX XXXX. These debt collector produced a fradulent service and affidavit to the court with out a full validation of media and original contract and purchase agreements with no signatures. Only to produce copies. The debt collectors filed fradulent service on me a natural lawful consumer in a Missouri State Court using deceit to manufacture a avenue to move forward in this court proceeding knowing they were not following the rules of the FCDPA 15 USC 1962. 
In response to the 3 debt collectors breach of contract claim and the 2 default judgment attempts attached it clearly shows that since XX/XX/XXXX in writing that fraud exist when plaintiff, original creditor, agents, and employee 's, debt collector 's which in fact are attorney 's have blatantly disregarded the rules of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer right to privacy. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
15 U.S.C. 1681 section 602 A. States I have a right to privacy.

15 U.S.C. Section 604 A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also these accounts are reporting inaccurately and shows differend kinds of account numbers : XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Mortgage

My parents had a reverse mortgage with XXXX XXXX XXXX XXXX XXXX XXXX. My father died in XXXX, and mother in XX/XX/XXXX. I am the executor of her estate. On XX/XX/XXXX, I informed XXXX in writing that I would refinance the mortgage and pay them off. I was in touch with them dozens of times between XXXX and XX/XX/XXXX via email and phone. They advised me that I could request up to two 90-day extensions. I requested the first extension which should have expired XX/XX/XXXX. On XX/XX/XXXX, they served Notice of Foreclosure. Ultimately, I closed on a mortgage on XX/XX/XXXX and did pay off XXXX ( which became Carrington Mortgage Service in XX/XX/XXXX. ) Included in the payoff was XXXX 's legal fees for filing the Notice of Foreclosure. On my attorney 's and my lender 's advice, I did not object to the pay-off amount because it would have scuttled the settlement. After the settlement, on XX/XX/XXXX, my attorney sent a letter to Carrington Mortgage Services attorney, XXXX XXXX XXXX, requesting that they return the legal fees. LOGS did not respond to that letter. On XX/XX/XXXX, I forwarded that letter directly to multiple email addresses at Carrington Mortgage Services. I received no response. I also incurred legal fees in having my attorney respond to the Notice of Foreclosure. It is my belief that XXXX customer representatives never processed my request for the first 90-day extension and that their outside attorney proceeded with the Notice of Foreclosure because of that failure to process the request. I understand FHA requires the availability of extensions. I provided the information that XXXX asked for in support of the extension request. Not once has XXXX/Carrington or their attorney responded to an email or letter requesting specific acknowledgement of receipt of documentation or of the extension decisions for which documents were submitted. The attached documents indicate the nature of my email communication with them - multiple representatives get in touch about extensions or short sales or the apparent absence of documents already submitted- no representative could pass me to a higher authority capable of rendering a decision. It seemed exactly like a shell game - one that cost my mother 's estate almost {$5000.00}. The attached documents include emails, letter, statements and email/phone log.
Product: Debt collection

I was not given notice of garnishment by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX. 
I have lived at XXXX XXXX XXXX XXXX, XXXX, KY XXXX since XX/XX/2018. They have had plenty of time to notify me. 
They did not offer an installment payment plan after I called them either.
Product: Student loan

I received a collection notice from a company in South Carolina earlier this month stating I owed over {$22000.00}. I called the company and was told this was for year XXXX for a balance due to XXXX XXXX. I let them know I did not owe XXXX any money when I left the school 27 years ago and have received no bills or notifications. The collection company told me XXXX sent a bill in XXXX. I sent both the University and the collection company letters to validate the debt. XXXX sent paperwork for a loan in XXXX. According to my student loan account 3 loans have been paid off and were for that year. Under Fair Debt Collection practices, it seems unfair to send a bill 27 years later for something that has been paid. I am not in default according to the Student Loan Financing Company who handles my loans today. My transcripts have never had an issue being released all of this time and I do not owe this money. I never emailed XXXXXXXX XXXX. I sent a letter and received a response back to call them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$230000.00} ) has never been my mortgage servicer. I have never had a contract of any kind with this servicing company. They are unable to send me anything bearing either an electronic or wet ink signature. They do not bill me nor do they send written or electronic correspondence. However they just continue to report adversely onto to my credit by way of XXXX and XXXX from what I am able to see, and this XXXX reporting has just been placed there since approximately XXXX. 

Then there is XXXX XXXXXXXX ( Account Number XXXX ; alleged account opening date of XX/XX/XXXX ; Alleged Amount {$220000.00} ) ; same scenario as aforementioned. As the consumer, I have never received any form of correspondence of any kind from this company, nor have I ever established a relationship with this company. They are unable to send me anything bearing either an electronic or wet ink signature as well. Currently, they are reporting adversely onto all bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX Account info Account name XXXX XXXX  XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX  AGCY Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 


Account info Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Joint with XXXX XXXX XXXX Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX XXXX {$13000.00} XXXX updated XX/XX/XXXX
Product: Credit card

I am utterly dismayed by the recent handling of my Capital One rewards credit card account. In XXXX, I opened the account with a {$300.00} limit, only to have it unceremoniously closed by Capital One in XXXX. I diligently monitored my account through the mobile app and discovered that my payments, which I have bank statements to confirm, were consistently rejected. 

Upon reaching out to Capital One for an explanation regarding the restriction placed on my account, I was informed that it had been closed, leaving me responsible for an outstanding balance, which has now ballooned to {$400.00}. To add to my exasperation, after I made the minimum payment of {$62.00} on XX/XX/XXXX, it too was inexplicably returned. Consequently, my balance has swelled from {$300.00} to {$400.00}. 

Regrettably, I can not acquiesce to this situation. Capital One 's actions, or lack thereof, are not only unacceptable but also professionally and morally reprehensible. If a resolution is not reached promptly, I am left with no alternative but to explore legal avenues to rectify this grievous error. This situation has shaken my trust in Capital One, and their conduct in this matter is, without a doubt, the most deplorable I have encountered with any credit card company.
Product: Credit reporting or other personal consumer reports

I look at my report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts ( XXXX XXXX account Number XXXX ), ( XXXX XXXX XXXX Account Number XXXX ), ( XXXX XXXX  Account Number XXXX ), Hard inquiries ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate XXXX 

and one more thing 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 knowns or has reasonable cause to believe that the information is inaccurate. 

check the attachments below.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to get the information owed to me by law by account control bureau. I have asked them multiple times, to prove this debt is valid, Ive also asked for the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. I have contacted the company with no response, I have made a cfpb complaint, with no response, and made a better business bureau complaint, and they responded, but when given the information they requested, did not respond with the information required of them by law. I have also disputed with the main credit bureaus, who have stated it meets fcra  requirements. They are breaking the law ( Fair Debt Collection Practices Act, 15 USB 1692g Sec. 809 ( b ) ) I am enclosing a copy of the BBB complaint ( BBB CASE # :  XXXX  ),  a copy of the original cfpb complaint. (  XXXX  ). Please also see complaint s (   XXXX ,  XXXX ,  XXXX  ) That was sent to the credit bureaus in regards to their dispute practices.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  $ XXXXXXXX Repossession XXXX XXXX Bridgecrest deceptiveness $ XXXX Student loan $ XXXX XXXX over $ XXXX Small health insurance charges $ XXXX Inquiries over XXXX from the last XXXX yr unauthorized I need my scores restored XXXX Military veterans
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX Social Security Number : XXXX Date of Birth : XX/XX/year>XXXX  To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX