23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection Services of Athens keeps stating they are not collecting on behalf XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  yet theyre still on my credit file, they are still in violation of the FCRA by not providing me documents to me in regards to this debt and my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files : XXXX XXXX XXXX XXXX The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If Collection Services of Athens does not have any documentation, they need to retract this from my credit file immediately
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES 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 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i have not received any investigation results. report includes the following incorrect inquires. 


XXXX XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 XXXX XXXX inquiry date:XX/XX/2020 please remove from my credit report since these inquires were not made by me
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) on unauthorized accounts on credit report
Product: Credit reporting or other personal consumer reports

I submitted a complaint over inaccurate data, data over XXXX years old, information not accurate that was submitted and the company did not respond nor fix the errors within XXXX  days, as required by law, the information illegally remains.

They sent a boiler plate response that fixed nothing.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 

XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$2100.00}
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Credit reporting

My home was flooded twice ( XXXX and XXXX 2016 in which I asked XXXX for their assistance. I wanted help to make my payment and to avoid any derogatory information placed on my credit report. On XXXX XXXX, I called XXXX for assistance again so I could finish paying contractors to more back into my home. XXXX told me to pay XXXX and the next payment would be due XX/XX/2016 but I only had XXXX to spare. I asked several times would it affect my credit report because hey were mainly concern about the payment and not the customer. I made another payment in this manner and XXXX did not report a derogatory credit information. The payment was n't 30 days late yet which is why I continued with making the payment arrangement. If you are past due 1 day the robocalls start and they will call 8 - 10 times a day. Now I can not get a loan to finish repairing my home. DEAL WITH XXXX AT YOUR ON RISK!
Product: Credit reporting or other personal consumer reports

My vehicle was totaled in an accident with the lender XXXX XXXX, they were reporting on my credit report wrong stating the payment was late in XXXX and XXXX when the account was paid in full in XXXX. I contacted XXXX  and they sent me an AUD stating the account was paid in full and there were XXXX late payments throughout the loan and they sent this letter to all 3 credit reporting agencies and XXXX and XXXX are now reporting correctly but Equifax somehow put wrong information and put there is a 60 day past due amount for XX/XX/2023 even though it was a joint account with my fianc XXXX XXXX and her Equifax is reporting correctly with XXXX past due payments. Im not sure how they got this information when the loan was paid off in XXXX but I have been calling them for weeks now and they keep hanging up on me, telling me false information, keeping me on hold until the office is closed. I have spoke with Supervisor XXXX and XXXX and they both told me two completely different answers, XXXX said she took the late payment off of XXXX and that I was good to go and even gave me a confirmation number which I have XXXX but when I looked into my Equifax it was still incorrect. Im closing on a house for me and my family next week and they will be checking my credit and if this is on there I will not get approved and I have told them this and just hang up on me. It's the most unprofessional agents I have ever been on the phone with I have asked for a corporate number for Equifax and supervisor XXXX gave me one that is no longer in use and just disconnects the call. I am a XXXX  veteran doing a VA Loan and this has been the worse experience it has completely triggered my XXXX with how disrespectful these people have been on the phone to me and just say what I want to hear to get me off the phone but literally do nothing. I have the AUD letter from XXXX XXXX and they were a big help, XXXX and XXXX were amazing but Equifax is by far the worst credit agency out there. Please help me get this situated with, im not sure what else I can do at this point.
Product: Debt collection

Attempts have been made to contact the creditor. Phone is connected to a " win a trip to the XXXX '' or " sign up for cable service '' and other gimmicks. I looked online and found another number for the creditor. Upon contacting, I was informed that it had been sold. I was given another number and upon contacting the new creditor I was again told it was sold and provided with a new number. The next resulted in the creditor not finding any information on us. Here are the phone numbers in order that we have called to fix the situation : XXXX XXXX XXXX We feel that we have made due diligence it attempting to correct this matter but no one seems to know or have the information we need. 

Additionally, we do not recall ever receiving a bill or invoice for this amount.
Product: Student loan

ACS is incorrectly reporting XXXX late payments on my credit report when my account was supposed to be in deferment or forebarance. I have asked them to provided proof of the late payments and they have failed to comply with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is reporting a debt on my credit file that I do not owe. This debt is past the statute in California, and also it is really old and shouldn't be on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Portfolio Recovery to have them provide accurate details about a collection account a few months back. Nothing was updated. I recently pulled a copy of my credit report and noticed that the original creditor and the collection agency are both listed on my credit report. This is considered double dipping into my credit causing it to lower my credit score. One of the accounts needs to be removed on my credit either the original creditor or the collection agency. Portfolio has several collection accounts on my credit report along with the original credit account and my credit score has been hit because of this.
Product: Credit card or prepaid card

This company treated me horrible after weeks after submitting my Uber application their security center requires me to send each time documents to verify my identity by mail which I sent and finally today I was approved after calling them to confirm theyve received them and was approved for only XXXX not only this bothers me is that I get so little when I have good credit I have credit lines in XXXX and higher and they only give me {$250.00} they dont even offer the Uber card any longer and their card technology I dont understand why this bank lacks card technology latest like many us banks have started migrating over to contactless they dont offer it or even know what it is but Im the XXXX they offer it to everyone how is this fair but in the USA they dont when will Barclays get up to date they say they will but never do time for them to iodate their card technology I also want a higher line
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activities. It's my goal to not seek after any legitimate activities so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX Balance : {$29000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This company keeps calling after XXXX pm. Filed a complaint in XXXX after they called at XXXX & XXXX pm in XXXX and tonight called at XXXX pm my time. Never heard anything when I complained in XXXX.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint on my own behalf. After reviewing my credit record, I noticed late payments listed. I sent letters over 30 days ago but have not received a response, and I have not received satisfactory validation. I would appreciate your assistance in resolving this matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the account listed below to be in error. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under LATE OPEN end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}
Product: Debt collection

I received a notice about a debt I supposedly owe to a company named TRANSWORLD SYSTEMS INC. XXXX XXXX XXXX, XXXX XXXX, XXXX , NY XXXX   XXXX. I believe that I do not owe the debt they are claiming that I owe. The letter they sent me is very vague and they are saying that I owe {$43.00} which is a very payable amount. I can't imagine that I or anyone would allow such a small bill to go to collections. That seems crazy to me. When I searched online for information about TRANSWORLD I saw some lawsuits and scam reports that have me highly skeptical and I wonder if this is really a phishing scheme for a group that is trying to steal my identity. Lastly, there are three different addresses on the letter for them. One listed above, one where I am supposed to send my payment TRANSWORLD SYSTEMS INC XXXX XXXX XXXX XXXX, DE XXXX and yet a different address for where this bill was supposedly sent from, also a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE.
Product: Debt collection

Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  : Debt Recovery Solutions Amount {$310.00} Claiming That I Owe XX/XX/2019 Date Reporting On My Credit Profile Requesting *** VOD *** Validation Of Debt
Product: Credit reporting or other personal consumer reports

This company violated my rights to privacy and have not showed me proof of the original agreement and has a negative item on my credit report. I gave no permission to or signed any contract for.
Product: Credit reporting or other personal consumer reports

This account is showing a late payment which is not true. I have always paid all my debts on time, and this late payment error is damaging my credit score. Equifax is not correcting this error.
Product: Credit card or prepaid card

Due to Covid I was laid off and became behind on my bills. I contacted Capital One to offer them a settlement because I wanted to pay them and move on. They rejected my offer. They informed me that they could not put it in writing nor could they inform me of why the decision was made. Fast Forward, they offer me a Hardship Program where they reduced the APR and payment for 9 months. I accepted the program and have made over the payments due. This hardship ends in XXXX. I contacted Capital One yesterday to offer a settlement of 50 % of the balance because I received my tax return and I was going to just pay them everything I had to be done with the account. I was told on the phone that my offer was accepted and that someone would be contacting me with the details on how to proceed with payment. I received a call today from a Capital One employee name XXXX empolyee # XXXX. She stated I was declined and I proceeded to request a explanation because I was informed yesterday it was excepted. She stated they do not give an explanation nor will they put this in writing. I asked that they review the call because this was not acceptable. She stated that she reviewed my history and I was rejected before and moving forward to write them if I wanted further assistance. Once again they rejected my offer and refused to provide any details and stated they could not document my offer or declination in a writing. I have been making all my payments for the past 7 months and I just want to pay them out and move on because they service and transparency is unacceptable. This is not how a company should operate especially with a customer that is trying and not ignoring their obligations. It seems they want to ruin your credit. I just really need this matter looked into because this should not go undocumented. Consumers have rights especially when they want to work with the creditors. I will never bank with nor secure anything from Capital One
Product: Credit reporting or other personal consumer reports

A lot of FALSE DEROGATORY DEFAMATION XXXX still there after more than a year! The Criminals at Experian are CRIMINALS! 


They are DELIBERATELY VIOLATING THE LAW! 

AGAIN AND AGAIN AND AGAIN! 

INTENTIONALLY VIOLATING THE LAW! 

SHOCKING!
Product: Mortgage

When I applied for a loan from this company ( Atlantic Bay Mortgage ) via a loan officer named XXXX XXXX, I offered him a letter from the Commissioner of Revenue in XXXX  XXXX dated XXXX, stating that I was exempt from paying real estate taxes because I am a 100 % service connected permanently XXXX veteran. He refused the letter saying it would be taken care of after I closed, I closed on XX/XX/XXXX. In XXXX XXXX I sent the mortgage company : Atlantic Bay Mortgage a copy of the newly approved letter from the Commissioner of Revenue stating again that I was exempt from the taxes. I asked the mortgage company to please adjust my mortgage to reflect a new payment minus the taxes. They have refused to do so. I went back to the Commissioner of Revenue who has tried to help me and gave me a copy of the past years ' XXXX  balance on real estate taxes, I sent them the document via upload onto their website, and hand delivered to their main office which is located here in XXXX  XXXX. They currently have an escrow of over {$200000.00} that they refuse to refund to me. They have even gone out far enough to send me an escrow statement and tell me that I am {$1.00} short of escrow. I am on fixed income and need this reduction of mortgage premium, and I need my escrow refund. This is my entitled benefit and they have no right to refuse a mandate by the goverment. I am not getting any help from the mortgage company at all to resolve this. I need help from a higher source to make them follow the State 's mandate. I wonder how much money this company is making by keeping XXXX veterans tax escrow. Here is the link to the State 's regulation on Military Veterans with 100 % XXXX exemption of real estate taxes : XXXX XXXX XXXX I appreciate your help in this very important matter.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. 
They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The Creditors Of My Accounts Reported Flaws Information about my credit report, Address Errors and Documentation Issues and Reported Inaccuracies To My Credit Report
Product: Mortgage

My husband and I moved from our home in XXXX XXXX to take a job in XXXX XXXX. The home was financed by Chase and I spoke with many people in an unsuccessful attempt to arrange a short sale through our realtor. Our neighbor was willing to pay XXXX in a short sale but the realtor said she was unable to arrange it because the Chase Bank site that she went to demanded {$200.00} to finish the application. Chase bank sold the house on the courthouse steps in XXXX XXXX for {$30000.00} on XXXX XXXX, 2013. Chase informed the IRS that we had capital gains in the amount of over {$30000.00} for which we paid enormous taxes. This week we received a letter from a Texas attorney who supposedly bought Chases interest in the amount we were unable to pay and is harassing us for over {$38000.00}. Throughout this process I took detailed notes, kept meticulous records, and still have all of the paperwork from that horrible experience.
Product: Debt collection

Since XX/XX/year>, the company XXXX XXXX XXXX has been calling and emailing to inform me that a debt from a provider I did not know of was due. 
Today received a call from XXXX XXXX insisting on collecting a debt, as I told her I requested a collection letter validation on XX/XX/year> I had never received any evidence from me to use the prover Paysafe.Payment This person called me today saying that Square which is my credit card software had Paysafe and that I owed the same collection to XXXX. Me. 

I've been with XXXX for over XXXX years without any issues, is impossible for her to say that I owed any services.
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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting or other personal consumer reports

I noticed some credit inquires on my credit report, and contacted Equifax about my findings, I started a dispute about incorrect information on my credit report. Tell me why they had the investigation completed the next day, how is this possible, what investigation did they conduct.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I do not recall ever having a legal obligation with this company nor do I believe one exists. Investigate the way PENTAGON FCU ( account number:XXXX ) is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I would highly appreciate it if you block these accounts from reporting immediately. Failure to comply with the request should result in the immediate deletion of the items in question.