23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I periodically monitor my credit report activity and I notice XXXX XXXX listed on my Trans- union report. I have disputed this item on several occasions but the debt collector appears to sell this account. On XX/XX/XXXX a company named XXXX XXXX attempted to collect {$540.00} for XXXX, On XXXX/XXXX/XXXX XXXX, {$430.00}, on XXXX/XXXX/XXXX XXXX {$430.00} Too many times have these companies have showed up on my report. I have sent them a validations letter they remove account and later put it back onto report.
Product: Debt collection

Ive been disputing these debt since 2019 and Ive tried several attempts to have removed from report they have sold the debt to their party and third party is attempting to collect on these fraudulent account and has destroyed my credit
Product: Debt collection

ERC sent a letter saying I owe XXXX {$3600.00} and that the debt can be settled by paying {$2700.00}. They seem to suggest going to XXXX or XXXX and arranging a cash payment. No specific individual is mentioned in the letter nor am I able to know where the original debt is from. I received no, original statements from either one of these companies. 
I have had no business with XXXX since we began using cable for our phone service our and XXXX for cell phone service and never carried any debt with any one. I feel that I am being scammed and want to end this harassment right away. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To whom it may concern, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. 
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. 

All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified. 


This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately : Account Name : XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX # XXXX I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX  v. XXXX XXXX XXXX., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete. 
Thank you, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

From XX/XX/XXXX to XX/XX/XXXX we had a temporary apartment in XXXX XXXX. I was there for XXXX and a month of XXXX XXXX. 

During the stay we set up a XXXX account for internet service. My wife made the call and the account was set up in her name. 

When we moved out in XX/XX/XXXX ( back to our home in XXXX XXXX, Ca ), we received instructions from XXXX where to return our equipment but did not receive a final bill. 

Unfortunately, we were not aware of an outstanding balance. With a short-term rental, we were required to pay upfront for services, so not receiving a final bill from XXXX did not set off any alarms. 

In early XXXX we received a notice from Diversified Consultants, we immediately called XXXX and paid the balance due of {$160.00}. Diversified Consultants posted on my wifes credit report on XX/XX/XXXX. 

Diversified will not remove this from the credit report and XXXX claims they can not help. 

We pay our bills and have perfect credit otherwise. Unfortunately, XXXX is a large company that has gotten away from personal interaction. And Diversified will not do anything to remove it from the credit report. 

We made an offer on a house that was accepted and were unaware of this on the credit report. This will cost us thousands of dollars in higher interest rates and a larger down payment to qualify for a conventional loan as opposed to a jumbo loan. 

XXXX had many ways to reach us by phone, email and home address. We left a forwarding address at the temporary apartment. We simply never received a bill. 

At this time XXXX claims they can not help. And that is in the rare occasion we reach someone there that knows what they are doing. 

Diversified refuses to remove the collection from the credit report. We paid the debt directly to XXXX as soon as we were aware of it and Diversified should never have been involved. 

Diversified Consultants , Inc . 
XXXX XXXX XXXX XXXX, FL XXXX General Inquiries ( XXXX ) XXXX XXXX No contact info available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Product: Credit card or prepaid card

USAA DENIED ME MY RIGHT TO REPORT FRAUD ID THEFT XX/XX/XXXX. THERE ARE NO INVESTIGATIONS BEGUN XX/XX/XXXX. NO TEMP INVESTIGATION CREDITS TO BEGIN FRAUD INVESTIGATION. I complained XX/XX/XXXX statement What happened to XXXX fraud.?? see attatched transactiions XXXX USAA began fraud investigations with temporary credits. USAA REVERSED THESE CREDITS XXXX XXXX. ALL XX/XX/XXXX XXXX ARE DUPLICATE UNAUTHORIZED TRANSACTIONS {$470.00} of XX/XX/XXXX -XX/XX/XXXX I REPORTED UNAUTHORIZED XX/XX/XXXX XXXX USAA DISMISSED MY FRAUD REPORT 1 ) See attatched XX/XX/XXXX statement FUTHERMORE WHICH Confirms NO TEMPORARY CREDITS TO BEGIN INVESTIGATION TO MAKE PERMANET 10 MONTHS LATER 2 ) see attatched FRAUD CLAIM DATE LETTER OF XX/XX/XXXX Confirming XX/XX/XXXX FRAUD CLAIM {$470.00} * COMPLETED 10 MONTHS LATE. THERE ARE NO TEMP TO MAKE PERMANET. THERE ARE NO REFUNDED DUPLICATE TRANSACTIONS.
Product: Checking or savings account

I went into my local Bank of America ( XXXX XXXX  XXXX XXXX XXXX, CA XXXX ) on Thursday XX/XX/2022. I have four accounts with the bank, but I have been having problems with them. Therefore, I wanted to close two of those accounts. I was referred to XXXX. First, her customer service was deplorable. But she closed three of the accounts I had with the bank even though I made it clear that I only wanted two accounts closed. When we moved the transaction to the counter I recognized that she had closed one too many accounts. To rectify the issue, she rang a bell to have someone assist her. She asked if she closed an account could it be reopened. I did not hear the response of the woman who was assisting her. XXXX responded by saying that my funds we be deposited into my main checking account - an account that she closed. ( I would like to point out that if she had shown some interest in me as a customer and spoken with me she would have avoided closing an account that I did not want her to close. This is why customer service is so very important. ) When I got home I noticed that the account that she deposited the money in was closed. I had a slip that informed me that the funds from the other two accounts were deposited into this closed account. The following day, I came back to the bank ( another day off of work ) to speak with XXXX, the bank XXXX. Because I had wrote a negative survey of my experience he was aware of my situation. He kept on apologizing - something that I felt was marketed and insincere. So, I told him that I would prefer that he save his apologies and stop giving me the XXXX treatment. I had issues with my treatment in this bank before. It just seems that I cant get appropriate service, and yet, each time I am the victim of mishaps on the part of this bank. 
Though my issue has been resolved, the misappropriation of my funds was brazen. I went time without access to my funds because either she purposely did so, or she was not properly trained to handle other people 's funds. In any event, i was the one who suffered. I was not amused by her disregard for my funds, but if she could do this to mine, what do you think she would do to other 's? I had someone from the district office call me to say that it was not misappropriation because XXXX did not use it for personal gain. My understanding of misappropriation helps me to understand that ANY inappropriate use of funds that I did not intend it for is defined as misappropriation. XXXX knowingly moved my funds into a closed account. This is misappropriation. I would like the CFPB to post this inappropriate act. If it is within the jurisdiction of the CFPB I would like this matter addressed and put up for disciplinary action on the part of XXXX and the bank branch itself. The bank branch failed to do anything but racially insult me ( an issue for another govermnt agency ).
Product: Student loan

I have 15 direct loans. I requested that MOHELA place all my loans on the SAVE plan on XX/XX/2022. MOHELA did not place loans XXXX on the SAVE plan. I have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to request that my loans be placed on the SAVE plan. Each time, they tell me that my loans are " not eligible, '' but will put in a request to be put on the SAVE plan because they are direct loans. On XX/XX/XXXX, I put in a request to be put on SAVE through FSA. MOHELA " cancelled '' that request. 

I am entitled to the SAVE plan. Loans will come due soon, and MOHELA is forcing me to pay more on my loans than is necessary by keeping me on the level repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed 'late payment ' reported to credit bureaus by Kohls Credit . Kohls Credit removed the 'late payment ' entries for XXXX and XXXX XXXX However, they refuse to remove the incorrect information from XXXX. I have attempted twice to get this resolved through Kohls Credit providing documentation and copies of my credit reports from XXXX and XXXX showing Kohls Credit 's corrections. Their only response was a denial in a standard form letter and they refuse to answer a pointed question put to them : 'Why did they remove the incorrect entries from only two out of the three credit bureaus and not all of them? '
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please forward my letter to Equifax information Service LLC, XXXX. XXXX XXXX XXXX, GA XXXX. 
Today, XXXX @ XXXX, I received a notification related to an address change on my credit report. I investigated and found out the error was on my credit report with Equifax under contact information dated XXXX XXXX which is incorrect. The error occurred today because I monitor my credit report almost every day after XXXX and my credit report was correct. As of XXXX, Equifax online Dispute format, dated XXXX, address information is CORRECT. Someone went into Equifax system and incorrectly changed the address. 
Also, on XXXX, I put a Security Freeze on my account on top of a Fraud Alert on my account on/or after XXXX and the address was correct. I need to understand why someone incorrectly changed my current address ( I mailed proof of address / ssn - via -USPS Certified mail dated  XXXX ) and why someone made my ssn NOT pass verification requirement in Equifaxs system.
Product: Checking or savings account

Subject : Urgent Issue Accessing Funds for Vehicle Purchase XXXX XXXX XXXX XXXXXX/XX/year> I contacted Ally Bank in the morning to request a temporary increase to my ATM withdrawal limit, raising it to {$8500.00} in order to purchase a used vehicle through a private sale. After a XXXX call, I was assured that the limit had been successfully increased and I would be able to withdraw the necessary funds. 

Later that day, I drove XXXX hours one way to meet the seller and withdraw the cash from a XXXX XXXX XXXX. When I attempted to complete the withdrawal with a teller, my card was declined. I immediately called Ally Bank for clarification and was informed that the increase had mistakenly been applied to my point-of-sale limit rather than my ATM withdrawal limit. I was then told that no further assistance could be provided at the time, as the team responsible for approving limit changes was unavailable for the weekend. 

Monday, XX/XX/year> I called Ally Bank again, referencing my previous case number, to request the correct limit increase. I was told that my inquiry had been expedited and that I would receive a resolution by the end of the day. As of now, I have not received any follow-up, and I still do not have access to the funds needed to complete the vehicle purchase. 

This situation has caused significant inconvenience, both financially and logistically. I would appreciate immediate assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 120 days, since XX/XX/2018, where I have sent in my first round of dispute letters by certified mail ( i.d . theft affidavit and police report ) for the credit bureaus to remove the fraudulent information from my credit report in violation of 15 U.S.C. 1681. 
This is my second time disputing these fraudulent accounts by certified mail ( affidavit of truth and facts ), since XX/XX/2018, on contacting the bureaus, and since then, I still havent had any results on the fraudulent information being deleted from my report. The credir bureaus are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 
On XX/XX/2018 I certified mailed a second written request for the bureaus to remove the still remainding fraudulent accounts that are on my report. The bureaus have not provided me with a copy of the original documentation that they have on file. Under 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, the credit bureaus are required to promptly delete  all information which can not be verified. 
Under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These bureaus have had over 120 days to complete these actions.
Product: Debt collection

On  XXXX / XXXX / 16 , I was referred to  XXXX   XXXX   XXXX  to have a   XXXX   XXXX   taken, The sample was then sent to  XXXX  for analysis despite the fact that  XXXX  was not in the network of outpatient testing facilities. The sample should have been sent to  XXXX   XXXX .   I am currently been threatened with adverse collections and credit reporting.
Product: Checking or savings account

1. Signed up, opened the business checking account as a sole proprietor and enrolled in mobile banking, with the promotional offer XXXX, which offered {$500.00} bonus for those depositing new funds of {$3000.00} to the account. 
2. On XX/XX/2023, it was opened successfully with a funding deposit of {$100.00}. Thereafter, depositing {$3000.00} on the account on XX/XX/2023. 
3. Left money for over 60 days on the account to meet stipulations. Withdrew the money on XX/XX/2023. 
4. Called 30 days post all requirements ( including code being entered correctly while opening the account ) being completed since my offer still was not credited.

5. Representatives XXXX and XXXX have both verified that the offer requirements were fulfilled ( not sure when the phone conversations took place ) and one of them escalated this to the promotional offer department. They should also have notes on the account, as between XXXX, I have called four times to get to the bottom of this situation. 
6. As of XX/XX/2023, nobody from the promotional department or from US bank has called me or shown accountability for this error and inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX pulled my Experian credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Experian directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is reporting to my credit report twice. I have disputed it through XXXX  and have not received any information on the account nor any investigation results. Per the FCRA, my rights have been violated. You can not report the same account TWICE to my credit report, especially since it has been disputed with the reporting agencies and is false.
Product: Debt collection

I am currently behind on XXXX car payments and have been getting at least XXXX-XXXX calls a day, not including calls to family members stating if I do not call, it will not be in my best interest. My family members are afraid for me and feel threatened.
Product: Mortgage

I inquired about a HELOC and was very specific thats all I wanted. XXXX XXXX XXXX representive XXXX XXXX asked permission to run my credit. He then informed me that I did not qualify for a HELOC. they do not offer that product except to XXXX customers. This was not mentioned until after my credit was run. He then proceeded to attempt to sale my on a very expensive VA refinancing. Using faulty comparison in interest that did not take into account all variables. He focused on the non deductible mortgage insurance rather than the presenting me with an over all picture of the total cost. 

I complained to the companies complaint department about running my credit under false pretenses. They refused to remove the inquiry. 

This was a bait and switch attempt from the start. Had they mentioned they only offered HELOCs to XXXX customers I would have simply moved on.
Product: Debt collection

Hi, I and my wife were tenants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and were in the process of vacating the property. We moved out most of our stuff except for a few items and a mattress and were surprised to see it occupied by other tenants when we came to finish the clean up. 

1. The apartment was leased to us till XX/XX/XXXX 2. On XX/XX/XXXX we received a statement dated XX/XX/XXXX including unpaid rent and repairs for {$2600.00} 3. On XX/XX/XXXX we disputed the charges as : 1. Rent was being demanded for the period the apartment was leased out to other tenants. 
2. Repairs were carried out during the period the lease was still active and we were in the process of cleaning up at their own volition 3. No evidence of damage was provided for repair charges. 
Returned the keys. Sought damages for property destroyed. Requested a response in 5 days. No response was received. 

4. We received in writing on XX/XX/XXXX a letter dated XX/XX/XXXX from Hunter Warfield a debt collector on behalf of XXXX XXXX XXXX for an amount of {$2600.00} attaching the same original charge sheet sent on XX/XX/XXXX by XXXX XXXX and no additional evidence or response provided. 

5. My attorney disputed the charge in writing on XX/XX/XXXX with XXXX XXXX XXXX 6. On XX/XX/XXXX I see a collection placed on I and my wife 's account 7. This has damaged our credit ratings and reputation severely
Product: Mortgage

I payed my XXXX XXXX and XX/XX/XXXX payment on XX/XX/2020. I no my XXXX payment would be 30 days late, but my XXXX payment was payed within 30 days which was payed on the XXXX of XXXX. I file a dispute with XXXX  credit reporting agency which they refuses to correct. Please explain to them that my XXXX payment was payed on time within 30 days.
Product: Credit reporting or other personal consumer reports

I disputed these fraudulent accounts multiple times with Transunion and they kept ignoring my request. So, I'm filing a compliant against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized accounts. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive UNAUTHORIZED accounts and they need to be removed immediately. 

" SEE ATTACHED ''