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

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

XXXX, XXXX, and Tarnsunion are reporting a debt from XXXX XXXX XXXX  the debt has been paid off completely and I want it removed completely from all three credit reports. It is preventing me from getting approved for a place to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that on my consumer reporting as Charge Offs. I did not receive a copy of my 1099C form from any of the creditors thats reporting to the credit bureaus. Per U.S. Code 6050P the creditor has received a tax off write off and they submitted a 1099C form to IRS. Therefore I should not have his debt reporting on my credit report. Also since these accounts are listed as Charge Offs there should not be balances reporting and especially since these accounts have already been written off by the creditor. Please send me any forms or documentation showing that you have the right to report this as a debt, if you can not provide that please remove these accounts from my credit report immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XX/XX/XXXX ; XXXXXXXX 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

XXXX  recently sent me a notice that it had updated the investigation into three disputes I have recently made regarding XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have noticed XXXX  and the three creditors on several occasions that the derogatory items are not mine and do not belong to me. I sent notice to each creditor and each credit bureau XXXX, XXXX  and Transunion of my demand under Section 609 FCRA. This section requires a creditor to provide specific documentation to myself, the consumer within 30 days of receipt of the notice under Section 609 FCRA. Over 90 days have elapsed and as of the submission of this complaint not one if the three entities has provided the required information under Section 609 FCRA. 

Although being acutely aware of this, XXXX, XXXX  and Transunion have continued to report the derogatory items on my credit report despite being in violation of Section 609 FCRA. 
I am attaching a copy of my notice to the creditor and credit bureaus, a notice wherein XXXX is not allowing me to institute another dispute, yet not requiring the creditors to comply with the required documentation under Section 609 FCRA. This makes ALL parties involved in violation of The Fair Credit Reporting Act, specifically Section 609 FCRA. 

I am attaching information regarding a lawsuit filed by XXXX for violations of The Fair Credit Reporting Act, Section 609. Additionally, the statute requires the credit bureau to delete the information being supplied by the creditor after 30 days should the creditor fail to comply with Section 609 FCRA. The CFPB enforces violations such as these. The investigation by the credit bureaus failed to comply with Section 609 FCRA, because the creditor failed to provide the required documentation and I have NOTICED the credit bureaus several times over the past 90 days that the creditor has not complied with Section 609 FCRA, yet XXXX, XXXX  and Transunion still continue to report the derogatory item although receiving notice that the creditors have not complied with Section 609 FCRA.
Product: Credit card or prepaid card

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX   or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oh I looked at my credit report and there are two hard inquiries from XXXX  XXXX on my credit report that were recently put on there I did not apply for these. I do not know why they are there I do not have any credit cards with XXXX  XXXX I have called Experian several times I can not get a person on the phone over and over again I am trying everything I can do to have these removed but I can not get any help from them
Product: Mortgage

An analysis was completed on our mortgage, dated XX/XX/XXXX which I received before XXXX. It stated we had a {$4500.00} surplus that we could request to be returned to us. 

I requested a refund of my escrow surplus over the phone on XX/XX/XXXX and was assured this could be refunded via direct deposit to my linked checking account. I was told that refunds used to be automatically issued after an analysis, which makes sense to me and I would have preferred, but I took the step to request it. I confirmed the last XXXX digits on the XXXX account and waited on the phone until the representative said it was completed. I was told to expect to see the deposit in a couple of days. 

I did not see any deposits into my XXXX account by the beginning of the next week, so I called again on XX/XX/XXXX. I was then told that they were unable to send the direct deposit because they needed my husband 's approval to release the funds because it is a joint mortgage ( of note, the representative I spoke to last week never mentioned anything about this and said my request was completed while on the line ), and that they sent a check in the mail on Friday XX/XX/XXXX. I was not made aware of the issue by phone before they issued the check and I did not consent for the funds to be sent by check, as this is not my preferred method. When I asked, it was not sent by trackable mail so there was no way to check the status. 

I called again on XX/XX/XXXX when I did not receive the check after the mail was delivered that day, a week after they reported placing the check in the mail. I requested that the check be canceled and a new electronic transfer be initiated, and ensured that they had all of the information they needed to be successful this time. They said to expect XXXX days for the deposit to show in my XXXX account. I inquired about why it would take so long when I wasn't told that the previous time, and they said it would likely be completed sooner. 

I called again this morning on XX/XX/XXXX to check on the status because the direct deposit is still not showing in my account. When I called, even though I followed the prompts for escrow like I have each time I called, the woman who answered said that she doesn't work in that department and advised that I could send an email. I have sent emails in the past for a different issue that was never addressed. I opted to speak to a supervisor, who said she escalated my complaint. She said she saw that it had a " to be completed by '' date of XX/XX/XXXX ( nearly XXXX weeks ago ), and she didn't know why this wasn't done yet, but that it's waiting to be processed. I inquired and she said that an escalated complaint does not have an expected timeframe for completion. When I said I felt that this wasn't being addressed and it's very untimely, she said there is no way to know when they will complete it and she can not give me a new target date to expect the funds by because all the computer says is that it should have been done on XX/XX/XXXX ( even though it clearly wasn't ).
Product: Debt collection

I have had multiple problems with XXXX XXXX and Rash Curtis and Associates reporting collection accounts to my credit report for unpaid doctor bills. These bills have been paid per union contract and my HRA account in full. I have had a credit lawyer help me in the past to dispute such items. This has affected my credit score to be " fair '' instead of " good '' credit. I have excellent insurance coverage from my job and have had such for 30 years. The past 8 years I have had these issues with these bills I no longer owe, and have been paid in full. The most recent false report from Rash Curtis and Associates was opened on XX/XX/2016. When I call my benefits about these bills, their copies of these statements claim they are paid in full. This is a nightmare and I need help.
Product: Credit reporting or other personal consumer reports

I recently viewed my credit report and noticed that there are late payments from XXXX XXXX and XXXX XXXX reporting that were covered during the CARES act and pandemic. I called each creditor and made accommodations to ensure my credit would not be impacted from my hardship of being laid off. I've also requested verification from the CRAs ( XXXX, Transunion, and XXXX ) XX/XX/2023 and XX/XX/2023 and have not received an update as to why my accounts are showing any late payments. Furnishing this information to my profile is in violation of 15 USC 1681 s-2 ( F ). The late should not be reporting. As agreed, the accounts have been paid, reporting any billing errors is now in violation of 15 USC 1666B. I was assured that my accounts would remain in current status due to the accommodation.
Product: Debt collection

THIS IS NOT A DUPLICATE COMPLAINT : This is a NEW complaint regarding collection efforts as a result of violations of Regulation Z from complaint XXXX filed on XX/XX/XXXX. 
The above referenced complaint was for REGULATION Z violations. 
This complaint is for FALSE DEBT COLLECTION ATTEMPTS. It is a separate topic with a separate date of incident. 
For the foregoing reasons I am filing a new complaint to track the ongoing issues with this company. 
On XX/XX/XXXX, I filed a complaint against Huntington for failing to apply 2 months worth of mortgage payments received between XXXX and XXXX in violation of Regulation Z 's partial and periodic payment requirements. 
On XX/XX/XXXX, Huntington was notified. 
On XX/XX/XXXX, Huntington acknowledged the complaints. 
On XX/XX/XXXX, Huntington still had taken no action to correct the payments although they received two complaints and called but left no voicemail on XX/XX/XXXX. 
On XX/XX/XXXX at XXXX I called them to correct payments in fear my credit report would be falsely and adversely affected. 
The representative had to put in the request, which means Huntington received the time sensitive complaint regarding my payments and chose not to even note the account or place a request to apply the payments.

Then, approximately 1 hour after I called Huntington, I received a collection call from their debt collection department falsely stating I was past due ( even though I am paid two months in advance, but they refuse to apply the payments ) Huntington has had ample information and time and complaints to resolve this issue and stop this constant harassment and violations of Regulation Z but has now intentionally refused to address my issues, correct my complaints or stop the false debt collection attempts.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 CORELOGIC CREDCO RECEIVED AND SIGNED FOR MY LETTER VIA US ( CERTIFIED MAIL # XXXX ) THAT WAS DATED XX/XX/2021, THE LETTER SPECIFICALLY REQUESTED THAT A SECURITY FREEZE BE PLACED ON MY CORELOGIC CREDCO CONSUMER CREDIT FILE AND XXXX TO BE PROVIDED WITH A FREE COPY OF MY CREDCO CONSUMER CREDIT REPORT. WITH THAT BE SAID CREDCO FAILED TO ADHERE THE THE FCRA AND FACTA ACT BY NOT HONORING MY REQUEST FOR A FREEZE ON MY CONSUMER FILE. AS WELL AS A FREE COPY OF CREDCO REPORT. CREDCO ALSO RECEIVED COPY OF MY STATE OF NJ DRIVERS LICENSE AND WEEL AS A COPY OF MY SOCIAL SECURITY CARD THAT CLEARLY IDENTIFIES MY IDENTITY. CREDCO RESPONDED BY SENDING ME A REPLY LETTER ABOUT IRRELEVANT INFORMATION ABOUT OTHER CREDIT BUREAU AGENCIES PROCEDURES EVEN THOUGH I SPECIFICALLY STATED IN MY REQUEST TO FREEZE MY CORELOGIC CREDCO CONSUMER CREDIT REPORT. THEY ALSO SENT A REPLY TO THE REQUEST FOR A FREE COPY BY SAYING THEY COULD NOT IDENTIFY ME EVEN WITH I SUBMITTED DOCUMENTS THAT CLEARLY IDENTIFIES MY IDENTITY. 

ATTACHED TO THIS COMPLAINT IS MY REQUEST LETTER ( WITH REDACTIONS ) FOR THE FREEZE AND FOR A FREE COPY OF CONSUMER CORELOGIC CREDCO CREDIT REPORT. ALSO ATTACHED IS THE ERRONEOUS REPLY TO BOTH OF MY REQUEST. IF BOTH OF MY REQUEST ARE NOT HONORED I WILL SEEK DAMAGES IN A COURT OF LAW. 

CORELOGIC CREDCO HAVE ALL ORIGINAL DOCUMENTS IN THERE POSSESSION AS OF XX/XX/2021 WITH OUT THE REDACTIONS
Product: Credit card

In late XXXX, XXXX, someone opened several credit cards in my name. I called the various credit bureaus and all cards were closed, including the one at Capital One. Unfortunately, Capital One refuses to send me anything that shows that i opened an account. They sent me several requests to pay their outstanding bill, but i never opened an account. When I call, I always am sent to a call center overseas, and then i get a letter saying that they looked into it and their records say i owe them money. Can they do this? I'm so frustrated because this has been going on for near eight months. I'm beyond frustrated. Can you help me??
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this claim because I was implicated in the XXXX  2017 data breach at Equifax. It is extremely disconcerting that this company lost the most sensitive type of data that is possible to lose. This is particularly egregious because Equifax runs a service that is *required* to operate in the modern world and economy. For example - a credit score and report is required for every apartment rental I 've ever applied to. This means that it was n't truly an option to become a part of the Equifax database which has now been compromised.
To date, I have no knowledge of any personal identity theft or financial harm as a result of this breach. I simply want to have this event on the record, should I suffer any financial hardship down the line from this event.
Product: Debt collection

I first received a letter dated XX/XX/XXXX from Protas, Spivok and Collins, LLC, stating they were a firm representing XXXX XXXX XXXX XXXX with XXXX XXXX being the original creditor and if account was not in dispute they expect full payment of {$7300.00} and unless I notified them in 30 days that I dispute the validity of the debt they will assume the debt is valid. I then sent them a response letter on XX/XX/XXXX advising that validation is requested and to provide me with the following : provide me with the following : ( 1 ). What the money you say I owe is for ( 2 ) Explain and show me how you calculated what you say I owe ( 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( 4 ) Provide me with the original contract bearing my signature ( 5 ) Identify the original creditor ( 6 ) Prove the Statue of Limitations has not expired on this account ( 7 ) Show me that you are licensed to collect in my state, and ( 8 ) Provide me with our license numbers and Registered Agent. They then sent another letter dated XX/XX/XXXX without any of the information I requested. The letter only stated the debt has been verified and the name of the creditor and balance. On XX/XX/XXXX I sent another letter to them asking where is the proof they have the right to collect the debt from me, proof the own the debt, payment history from the original creditor, copy of original contract bearing my signature, and how the fees where determined. Instead of the company validating the debt and proving in proof the decided to send me a summons to court instead for XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Hi, my problem consists in an older case which apparently is the root cause of my credit score is not optimum reflecting my behavior. I found this problem last year when I approached a mortgage broker to qualify for a mortgage. Once he brought up this info ( which is ridiculous as all XXXX totals in {$190.00} and all XXXX were paid in full ). 

California Business Bureau ( CBB ) is the credit collection agency which I have tried calling to remove the XXXX collection reports which they in all XXXX cases told me verbally that if paid within a 30 day time limit it would not enter my credit report. I paid all XXXX incidents immediately upon the notification but apparently they did not keep their work. Every time I called them they reject me. 

I 'm not very familiar with credit score, however my mortgage broker suggested I should try to fix the score before applying for a mortgage as my score would be significantly higher resulting in a more affordable mortgage - and nobody is in debt nor is the balance in question of significance. 

CBB has never notified me about any rights to dispute their filings, hence it was left on my credit report for a while until I found it via the mortgage broker. However I found on the internet someone suggesting to file a dispute with the credit agency. I 'm not sure what to write and who to address, CBB? XXXX? Fico? ... 

As I would really like to be able to afford a permanent home for my kids to be raised in, can you provide me some guidance on how to proceed with this, please?
Product: Credit reporting, credit repair services, or other personal consumer reports

Have 2 different inquires on XX/XX/XXXX that I do not recognize and one from XX/XX/XXXX all 2020. 

The 1st done on XX/XX/2020 is from XXXX? 
2nd XXXX- XX/XX/2020 3rd XXXX XXXX- XX/XX/2020 I never signed up for these nor gave permission to use my social.
Product: Checking or savings account

I have a checking account opened with my son, XXXX XXXX at the Bank of Albuquerque branch office in XXXX XXXX, XXXX XXXX about 15 years ago. I I am XXXX XXXX XXXX and live on my Social security. I spend the winter months in XXXX as been my habit for.17 years. In order not to pay service charges I try to keep a balance of {$1400.00}. a month. My son and I try to use this account as little as possible for emergencies because of higher fees for ATM and service charges. So I always check the balance before I leave the country.. When I returned to the States I deposited a small check and checked my balance which was $ XXXX..I was referred to a Bank Representative named XXXX, who assured me this problem would be looked into and made copies of past statements. We quickly uncovered the unauthorized charges on my account by two companies I was not familiar with. On XX/XX/XXXX, I received a letter confirming charges refunded of {$750.00}. When I inquired about the additional charges and fees, I was told that The date for making that claim had passed prior to XX/XX/XXXX. I also spoke to a woman named XXXX when XXXX was unavailable who upset me quite a bit telling me my claim would not be honored due to late filing. Dispite having no knowledge of charges. Additional charges of XXXX and XXXX and service charges were denied by letter on XX/XX/XXXX. I never received an alert or notice from the Bank. I never authorized an ACH or any automatic withdrawal. The bank allowed access to my account to an unknown entity. And when my balance dropped below my limit continued to charge service fees.. My ATM card was never out of my possession until the card was cancelled. I y have tried to access my account many times but the web site locks me out and does not recognize my password. The format for logging on has been changed and I was not informed of that or that the Bank was acquired by another Bank.
Product: Checking or savings account

I received a letter dated XX/XX/XXXX on XX/XX/XXXX. Webster Bank told me in the letter that they were closing my account as of XX/XX/XXXX " due to information received XXXX. XXXX  did not make the decision to deny your account application and is unable to provide you with the specific reasons why this decision was made. '' They provided me a number to call XXXX  but when I called XXXX  to ask why my account was closed, XXXX  told me to could not provide that information. When I called Webster customer service, they told that I would need to contact XXXX  myself but I told them I already have and had already received a report from XXXX. I could not find any reason why my account would be closed from the report. They told me someone from their Fraud and Loss Management Department would call me about my account. 

I'm confused why my account is being closed. I'm very concerned that they're closing my account because they do not want to pay out the {$250.00} checking account bonus offer that they sent me in the mail in XXXX. I still have the postcard for the account bonus mailer. I have already completed all their requirements for this promotion. Their terms say : " Promotion valid for new checking accounts opened by XX/XX/XXXX. Customer must qualify for account and reside in NY, MA, or CT at time of account opening and promotion payout. Customer must have direct deposit of {$500.00} or more ( direct deposits are limited to payroll, Social Security, pension, or government benefits, person-to-person transactions like XXXX or XXXX are excluded ) between account opening and XX/XX/XXXX. OR Customer must have an average account balance of at least {$10000.00} for Premier Checking or {$1000.00} for Value Checking XX/XX/XXXX to XX/XX/XXXX. Customer must not have had an open Webster checking account since XX/XX/XXXX. At time of payment, account must have a positive balance and not be in the process of closing. Funds will be transferred into it by XX/XX/XXXX and will be reported by the IRS ; customer is responsible for any applicable taxes. Present this postcard to receive the offer. Offer is exclusive, nontransferable, and can not be combined ; one per household. Ask a banker for details. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Chapter XXXX Bankruptcy Discharged XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.