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

Issues with CRA and Furnisher lack of cooperation in the production requested in support of the verified and ACCURATE reporting to the XXXX. Dispute my efforts of disputing directly with furnisher and failed attempts to obtain accurate reporting in trade line seeking your assistance with the enforcement of the violations committed against my consumer rights to accurate, complete, errors free reporting in my credit report. 
I have exhausted all ways of communications with furnisher, no response, giving me the run around. Most recently, exhibits attached spent over an hour on the phone with a representative from Comenity, who forced to provide my full social security # after providing the full account #. Moreover, limited and untrained, unqualified points of contacts located in XXXX and limited information from employees working from home, useless escaltions of my issue with no results. The last written correspondence sent via cert mail, was signed by an employee who is no where under the directory of the company. Last week, contacted XXXX directly and was advised that if the furnisher does not the information then they put X because they can not verified. 
Lack of cooperation from both parties. Both companies operating in concert violating my consumers rights to fair reporting.
Product: Debt collection

This company has attempted to collect a debt that is not mine. I already advised them it was not mine but they still reported it to my credit report. I do not owe any money to anyone. I have an excellent credit history and score. They are trying to collect a debt for a person that has a similar name but is not me. This person lived in the same street but not the same address. I already advised them about it but they still decided to report it under my name. They do not have my social security # or my DOB they only decided to match it to me because of my name. I called the company who they said the debt belongs to and they have a different social security # and dob also. This is not fraud since I have never had any issues with any other companies. This is just a person who has a similar name.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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  : {$0.00}.
Product: Credit card

Bank of America unjustly closed my account. I was responsible for the balance and was in good standing with the bank. It was a guarantee placed by the bank that once my balance was paid off, my account would be open and in good standing. This was a bait and switch and closed my account IMMEDIATELY after i paid over XXXX off. They are also not reporting to any consumer agencies ( XXXX, XXXX, XXXX ). By law, this positive information needs to stay on file, for 10 years, even if the account is closed. They need to reopen my account and also report my positive credit report history. I will make sure CFPB publishes this experience, I will also open additional complaints with appropriate agencies such as the FTC and attorney generals office and contribute to the ongoing investigation XXXX is carrying out with Bank of America 's abusive service practices, specific to their bait and switch operation in luring a customer to pay off full balance at once and close the account. Bank of America continues to attempt to derail my efforts anytime I call in.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed that I had fraudulent accounts on my credit report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get this erroneous credit Reporting by First Data resolved. I am requesting a verification of this debt, which I am intitled to receive upon request in writing within 30 days. My mailing address is XXXX XXXX XXXX XXXX CA. XXXX.
Product: Debt collection

I trust this letter finds you well. I am writing to address a critical matter regarding the inaccurate reporting on my credit file, specifically pertaining to fraudulent accounts and a bankruptcy that has been proven to be fraudulent Upon reviewing my credit report from your bureau, I have identified the following discrepancies : Bankruptcy XXXX XXXXXXXX-dismissed Reference number : XXXX DELETE!!! 
It is important to note that I have already successfully disputed and had these inaccuracies removed from my credit report with Other Credit Bureau. The prompt and positive response from Other Credit Bureau underscores the urgency for your bureau to take immediate action to rectify these errors on my credit report.

I request that you conduct a thorough investigation into these matters and remove the fraudulent accounts and incorrect bankruptcy information from my credit report.
Product: Credit reporting or other personal consumer reports

I applied for an apartment home, but got denied. When the representative called me she said if I can get it removed from my credit I could get the apartment. First of all I didnt know that charge was on my credit report until the housing company did a credit check. To date I have disputed this charge five ( 5 ) times and every time I disputed this charge each credit bureau agent that assisted me did agree it was a strange document and was not sufficient to support this remaining on my report, but each time I got denied for removal of this file. The last agent I spoke with a couple of weeks ago gave me your information and told me to contact your agency. 
I believe this file is an unfair and very inaccurate file on my report. I need help, Ive done everything, for 5 months Ive been at this, if you can help me, I need it. This is keeping me from getting a home a place to live. Help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my credit on XXXX   when I saw an alert come up on my phone, I immediately went on my computer, and I realized that there was a late payment on my XXXX, Equifax and XXXX credit reports. As you can see, I have always had a stellar payment record with this company. I tried contacting  XXXX  and XXXX XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   are all reporting me late. There was definitely an error on their part, I always made payment on my mortgage a few weeks earlier than the due date, and always on time. I was never 30 days 60 days and 90 days late multiple times.
Product: Credit card or prepaid card

For many years, Macy 's continues to add interest to revolving charge accounts even when they are paid off immediately upon receipt of the monthly bill. It is always {$2.00}. They are so used to getting calls disputing this charge that they have placed an automatic message that if the call is to dispute an interest charge, they will adjust the charge as " a courtesy. '' The balance is verified with them prior to payoff and the bills have been paid in full every time. W How about not charging it in the first place? 

Millions of customers that don't check their bills carefully or don't want to spend time on the telephone have been bilked out of millions of dollars. No other credit card company does this. It is time to force Macy 's to halt this practice and refund these " interest fees. ''
Product: Debt collection

Penn credit called my employer and left a message for me. They also called my personal cell phone number saying my ex-husband owed a debt. I told them my ex-husband couldn't be reached at my number. I contacted my ex-husband and forwarded the number to him. My ex-husband called Penn Credit. He asked for specific information about the debt and the rep he spoke to refused to give him specific information about this so-called debt he supposedly owed. Penn Credit wanted him to confirm his personal information and said they couldn't disclose any information about the debt due to third party confidentiality rules. Penn Credit then told him that he would need to call back to get specific information about the debt but he wouldn't be given any information until he gave them his personal information.

I'm not sure if this is a legitimate company but aren't debt collectors required to provide specific information about the debt when they initially contact individuals to try to collect the debt?
Product: Credit reporting or other personal consumer reports

I have a account by a company that I've never opened by a company named LVNV funding
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX BANK ACCOUNT Ending in # XXXX My bills are scheduled in my XXXX XXXX  account to make automatic payments to this account. The epayments were returned by XXXX bank with an ERROR CODEPayee Inactive OneUnited failure code XXXX which was received on MULTIPLE PAYMENT attempts. 
I did in fact NOT MAKE A LATE PAYMENT. XXXX XXXX changed account number and did not accept the electronic payments that I attempted on MULTIPLE attempts and once I was informed, I had no option but to make a paper mail out check which they did not post timely. 
XXXX has absolutely NO active customer service to speak with a representative about account issues or resolving them. I could not make a payment through the website. I was able to press a button an speak with someone in a lost/stolen department and they removed the late fee charged, but were not able to remove the negative credit post. 
The negative {$5.00} late payment was reported to the CREDIT BUREAUS. Due to this issue it has dropped my credit score 86 points which is COMPLETELY inaccurate and unfair as I have been a customer with this bank for YEARS and never had any late payment. 
I have written letters to their Customer service email and letters in the mail. I am asking for resolution of this inaccurate negative mark being removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed debt, mailed certified letter, allowed 45 days to validate, failed to do so and did not remove or report to remove information from my credit report Reporting invalidated information to credit bureaus Unable to validate debt. 
Violation of the FCRA Violation of the FDCPA Defamation of Character Performed no investigation as requested Provided no response within 45 days of request
Product: Credit reporting or other personal consumer reports

I am reaching out to address several concerns I've encountered with the credit bureau, including incorrect account listings, an unknown collection, unauthorized inquiries, inaccuracies in credit reporting, and billing errors. I am seeking your assistance to resolve these issues in order to protect my financial well-being.
Product: Mortgage

The closing documents for my mortgage application were signed on XX/XX/2021. During the 3 day waiting period NFCU decided to pull out of the transaction citing they were unable to verify my employment. After submitting several verification letters from my employer and even going as far as hosting a three-way call between myself, NFCU, and our HR department, NFCU has persistently failed to accept any formal form of employment verification provided. Theyve even requested to speak to my direct manager knowing that this would not suffice in verifying my employment in an effort to stall the signing process.

Furthermore, NFCUs reps have failed to respond to countless contact attempts via phone and email. Ive requested callbacks regarding either moving forward or cancelling the process to several NFCU reps at all levels of the mortgage lending team only to be ignored. Ive explained the severity of the situation theyve have put me in ; from the thousands of dollars spent caused by their delay to the countless hours spent by myself, my realtor, and the sellers team. Whats worse is now NFCU has taken what little money I had saved and tied it up in their unknown process so I cant even move to another apartment. Without a sound response from NFCU regarding this delay Im beginning to believe this lack of guidance and care could be due to my name/race. There is no other reason that makes sense based on the circumstances at hand.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 
The obligation between your company LVNV FUNDINGXXXX XXXX XXXXXXXX XXXX XXXX XXXX  and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Debt collection

In early XX/XX/XXXX I received a letter from Holloway Credit stating they were about to report a debt of {$3300.00} on my credit for an outstanding medical bill that I had for XXXX ( a medical facility ) from XX/XX/XXXX. This amount included an illegal collection fee for {$820.00}. As I remember it, I became afraid because they said I had 10 days to pay the full amount. So, I submitted a payment for {$3300.00} via my XXXX. Days later I discovered that I had not signed any contracts with the original merchant stating that I would pay a collection fee. As a result, I contacted Holloway Credit Solutions and informed them of this illegal collection activity, and on XX/XX/XXXX, Holloway Credit Solutions credited {$820.00} back to my account. Upon recent further review of my account transactions, my attorney determined that there was NO CONTRACT WITH HOLLOWAY CREDIT SOLUTION OR ANY OTHER THIRD PARTY to pay this debt, so therefore, I am due a refund for the remainder {$2400.00} that I paid to Holloway Credit Solutions for the money they illegally collected with no contract, and while I was under duress of the threat of having this reported on my credit back in XX/XX/XXXX.
Product: Debt collection

On XX/XX/2021 I sent ADS/COMENITY/VICTORIA a cease and desist stating to stop all illegal activity and stating my demands one being to send an audit trail so I can dispute the validity of this consumer credit transaction. I have yet to receive any correspondence from ADS/COMENITY/VICTORIA as the consumer and natural person when I exercise my right to validate an alleged debt the debt collector shall let it be known that they have received said correspondence and that they are or have investigated pursuant to 15 USC 1692g my rights to validate the debt has been violated. I have attached proof in EXHIBITS A and B of green receipt. I also have attached original correspondence as well Exhibit C. I also have attached debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting XXXX fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are XXXX loans that I DID take out in my name but there are XXXX loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XXXX XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Product: Credit reporting or other personal consumer reports

I am applying for a job and they use checkrd as a third party for background checks. The system has came back that my license is suspended. This is incorrect, Ive made multiple attempts to correct this information. I provided the company and drivers records from the state motor and transportation. Which contains date time and status. This document is what they require for any changes to be paid. I had to pay for this. There mistake! Ive tried calling getting this corrected and the agent states he can not help me because a different department handles this. This is urgent the coming that is interested in hiring me says they will allow them 7 days to correct this. But when I call the agent says it XXXX take up to 30 days. I XXXX risk losing this opportunity because of an error on checkrd behalf.
Product: Debt collection

it shows that this debt was placed min collection XX/XX/year> for the amount of {$660.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft, and I am submitting this complaint regarding the presence of fraudulent information in my credit reports. The following items are not associated with me, and I have neither received any funds, goods, nor services as a result of identity theft, nor have I authorized them. The TransUnion, XXXX, and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC Sections 1681i, by persistently reporting unverified information without providing any proof within the legally allotted time. This reporting is unauthorized. Please find below the specific items that are being reported on my credit reports : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 As a consumer, I have the right to accurate and fair credit reporting, and I believe that the credit bureaus have failed to fulfill their responsibilities in this regard. The fraudulent items on my credit report are negatively impacting my credit score and my ability to obtain credit.