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

Looking at my Transunion credit report it shows that XXXX XXXX  account and credit acceptance account " NEEDS ATTENTION ''. That comment needs to be removed. Both of those accounts are in Chapt. XXXX. No bankruptcy account needs that type of comment because the account is closed showing wage earner and a XXXX balance. There should be not other comments on these accounts.
Product: Vehicle loan or lease

XX/XX/2019 - I purchased a car from XXXX XXXX XXXX NC. 
Even though I did not want to take the car loan as their rates were high, I was forced by the dealer to take the car loan. The dealer refused to provide me with the purchase contract to enable my credit union to issue the check for the loan amount. 
I was misled by the dealer that we could directly pay the loan within 30 days without prepayment penalty or interest. 
The dealer issued the loan through PNC Bank. 

XX/XX/2019 - After receiving the loan document, I went to the PNC Bank to payoff the loan. Instead of the loan amount of {$23000.00}, I had to pay {$24000.00}. The remainder being interest or fees. 

I would have to wait for 3 weeks to get the title. 

I believe PNC Bank incentivizes car dealers to indulge in this sort of high-pressure sales tactics instead of acting in the best interest of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance has on ( Regular Inquiries ) Requested On XX/XX/XXXX -- - XX/XX/XXXX -- -XX/XX/XXXX -- - XX/XX/XXXX -- - XX/XX/XXXX there should not be Hard Inquiries from Capital One back to back as XX/XX/XXXX & XX/XX/XXXX back to back that's a heavy impact and should not be done I did not apply for credit on all these days and why 2 days apart that was a hard impact on my credit. 

XXXX is at fault for 2 day back to back impact that is not by law considering I was not applying for credit
Product: Credit reporting or other personal consumer reports

I am writing to notify you of Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681 violations on my credit report and to request the immediate correction of these errors. 
XXXX. XXXXXXXX XXXX XXXX  Account number ; XXXX XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXXXXXX XXXX  XXXX. 
account number : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX XXXX. XXXX XXXX XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX The FCRA mandates that all information reported on my credit file must be accurate, verifiable and in compliance with the law.
Product: Debt collection

On XX/XX/2021 and XX/XX/2021 I was notified by XXXX  that the debtor Penn credit reported a debt of {$1000.00}. I contacted Penn credit on XX/XX/2021 to dispute the debt and explained that the debt was not valid as I never lived at the address of XXXX XXXX XXXX XXXX XXXX, AZ XXXX. Penn credit stated the debt was created XX/XX/2021 for the original creditor ( XXXX XXXX XXXX ) I and was sent to them on XX/XX/2021 I explained that I never lived at this address and was asked to provide documentation. On XX/XX/2021 I emailed Penn credits compliance department with my lease showing where I resided at as of XX/XX/2021 and also let them know I just recently moved into a new residence ( XXXX XXXX XXXX XXXX XXXX XXXX az XXXX ) as of XX/XX/2021 and if needed I could provide that lease as well. I never heard back from Penn credit but was again contacted by XXXX  to let me no my dispute was closed and was found to be valid. I have never resided at this address nor did I create a bill using utilities for this address or give anyone permission to use my information in attempt to obtain Or turn utilities on in my name
Product: Debt collection

Collection agency is trying to call my Phone number looking for someone else. I tell them its the wrong number but they wont stop calling, I block them but then they call from a different phone number. Recent call came from XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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 am having this problem with Carrington Mortgage Services LLC, for the last few months.Carrington Mortgage Services, LLC has opened a fraudulent mortgage loan account under my identity information on the XX/XX/XXXX of XX/XX/XXXX with a mortgage loan account number of XXXX. During that time, I had to business relation with Carrington, under which Carringtoncan issue such loan. 
The opening of the loan account was not disclosed by the company to me or to the Credit Reporting Agency for a period of 6 years until XXXX. 
When I discovered the issue first, I filed an identity theft report with the FTC on the XX/XX/XXXX. 
As a result, Carrington Mortgage Services , LLC closed the fraudulent mortgage loan account. Carrington as of today, has not provided any proof that could establish the legal validity of their opening the mortgage loan account. 
However, ever since the month of XX/XX/XXXX, Carrington Mortgage Services has opened and closed the account multiple times for no reason. Under FCRA, the creditor of any loan account is responsible to remove a loan unless and until they are able to furnish any evidence, record or proof in support of a loan agreement executed with a consumer. 
Carrington 's act of opening and closing the loan account is in continuous violation of FCRA and Texas Deceptive Trade Practice Act. 
Since Carrington is a third party mortgage servicer, such act of Carrington also violates FDCPA.
Product: Credit reporting or other personal consumer reports

I have asked Experian numerous times to update my name. My name is XXXX XXXX. 

Please delete the following names that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

FIRST, I NEVER REQUESTED ANY LOSS MITIGATION ASSISTANCE ... ..I CONSISTENTLY AND SPECIFICALLY TOLD YOUR COMPANY TO STOP TRYING TO PUSH LOSS MITIGATION OR ANY ASSISTANCE ON ME OR MY ACCOUNT SO AGAIN DO NOT ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM. ANY ATTEMPT TO PLACE ME IN ANY LOSS MITIGATION OR ASSISTANCE PROGRAM OR TO IMPLY THAT I REQUESTED ANY IS ILLEGALLY DOCUMENTED. 
Second, You have not addressed the high interest rate OR the correction of over {$1000.00} to my account due to your company CORRECTING ERRORS ... .. BUT MY MONTHLY BILL INCREASES. 
Third, Your company paid my taxes prematurely which cause all kinds of issues with my taxes although I showed AND told you that I have consistently paid my taxes to date with out any issues. The credit on my taxes is due to your error and now you want to me to " prove '' your error ... .. 
You sent notices to my tax department, with out permission ; so with the same correspondence you can contact them to view the credit on my account. I can not represent your errors. 
Sincerely, XXXX XXXX, XXXX/XXXX  Retired
Product: Credit card or prepaid card

In XXXX, I received an alert from the credit bureaus that I had received a 30 day late. When I went to see where it was coming from, I discovered it was with TD Bank/Target credit card. I immediately logged in to make a payment, as I had no idea my account past due. I contacted customer service because I was concerned since I had received no communication from the bank notifying me of any late status. Customer service reversed the late charges and stated that they remove the 30 day late from my report. That was in XXXX. I called back again in XXXX because nothing had updated. The guy said their internal department was looking into it and that I needed to give it time. It is now XXXX. I called again just to be told again internal department is looking into it. No one is looking into anything. No one is addressing my concerns. No one is fixing my report. Ive sent dispute after dispute. I was told that they had to remove the late fees in order to remove the late notice with credit bureaus. They still have not carried out their word. No one will let me speak with a manager. It is taking them longer than 30 days to update my report. They keep saying they are investigating and then nothing happens. I receive absolutely no communication from them just like when they reported me late. There was no communication informing me I had a balance. No communication informing me payment was missed. No mail, no phone call, no nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX you showed with action in a court of law that no international, federal, and state laws governs you with action in court and the laws are there just to serve your corporation or other corporations like yours so thank you. 
And you can tell me why this notary law from virginia doesn't matter ever? 
Section 47.1-15 : Prohibitions A notary shall not : 1. Notarize a document if the signer is not in the presence of the notary at the time of notarization, unless ( i ) in the case of an electronic notarization, satisfactory evidence of the identity of the signer is established in accordance with 47.1-2 or ( ii ) otherwise authorized by law to do so. 
2. Use the official notary title or seal to endorse, promote, denounce, or oppose any product, service, contest, candidate, or other offering.

3. Notarize a signature on a document without notarial certificate wording on the same page as the signature unless the notarial certificate includes the name of each person whose signature is being notarized. 
4. Affix an official signature or seal on a notarial certificate that is incomplete. 
A notary shall not perform any official act with the intent to deceive or defraud. 
A nonattorney notary shall not assist another person in drafting, completing, selecting, or understanding a document or transaction requiring a notarial act. This section does not preclude a notary who is duly qualified, trained, or experienced in a particular industry or professional field from selecting, drafting, completing, or advising on a document or certificate related to a matter within that industry or field or prevent a notary from adding a notarial certificate or electronic notarial certificate to a paper or electronic document at the direction of a principal or lawful authority. 
A notary may decline to notarize a document. 
Any document notarized prior to XX/XX/XXXX, which does not have the notarial certificate wording on the same page as the signature, but otherwise appears on its face to be properly notarized, shall be deemed validly notarized.
Product: Debt collection

Have been telling this company for over two years now that they got the wrong person. Have provided reports for identity theft multiple times. They continue to harass me and all my family. Calls non stop throughout the day and weekend. Hidden numbers, countless voicemails. Harassing my mother and kids. Threatening to be in my city and looking for me. Threatening my mom with her address. That they know where she lives and theyll be showing up. Calling and leaving voicemails with my mothers and kids personal info such as birthdates and residence. Have already filed with the FCRA. Will continue to send a new case every week until they go away.
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 activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax are reporting the account listed as XXXX Account # XXXX incorrectly. The account is listed as a charge off/collection with several late payments. This can not be so because it is impossible to verify late payments or account statutes due to not having access to the financial records because it would be a violation of my privacy. 

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting or other personal consumer reports

I have no connection to the creditors listed, and I did not authorize these inquiries.
Product: Credit card or prepaid card

On XX/XX/XXXX, when I was exercising at a local boxing studio ( XXXX XXXX ), my credit cards were stolen out of my workout locker. 
Upon exiting the class, I began receiving texts on my XXXX from XXXX XXXX and XXXX XXXX XXXX asking me if I had made purchases in the amount of {$1100.00}, {$1500.00}, and {$1500.00} at the " XXXX XXXX XXXX # XXXX. '' I immediately responded stating this was fraud, and proceeded to drive to said XXXX XXXX down the road to file a police report and meet with their " loss prevention '' team. 
It was not until a few weeks later that I realized my Macy 's credit card ( ending in XXXX ) had also been stolen with my bank credit cards ( approximately XX/XX/XXXX and the fraud at the Macy 's began on XX/XX/XXXX ). I only noticed this was the case when I went to pay my monthly statement online and noticed my card had been used at 3 different Macy 's stores in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC Macy 's, XXXX MD Macy 's XXXX and XXXX XXXX Macy 's ). 
I noticed 4 separate transactions totaling {$1500.00} where the individual purchased XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), etc. 
I called Macy 's immediately to notify them of this fraud and to shut the cards off. I also notified the Detective assigned to my fraud case ( Detective XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Police Department XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, VA XXXX XXXX XXXX ) XXXX ( office ) ) of this additional fraud, and gave this same contact information to the Macy 's Fraud Dept for their investigation.

Over the course of the next few weeks, I continuously made contact with Macy 's to see the status of my fraud case. I was told they were " very backlogged '' and the " investigation would take up to 90 days for resolution. '' I was not worried as I knew XXXX XXXX Police had evidence of this man 's fraud, and I knew Macy 's could pull video footage of the exact transactions at XXXX different locations. 
Well, on XX/XX/XXXX, I received a letter in the mail from the Macy 's Fraud Investigation Department telling me they have " completed '' the investigation and have " determined [ I ] am responsible for the charges in question. '' The report that " the facts and/or information reviewed as part of the investigation does not substantiate the claim of unauthorized use '' and are therefore " re-billing '' my account. 
I have reached out to the detective assigned to my case for any additional help/advice I can get, but Macy 's has been completely unhelpful and now they too are acting fraudulent. 
Please help in any way you can. I greatly appreciate it. 
Thank you, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXe : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Date Filed XX/XX/XXXX Reference # : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have been fired ( registration issue ) and trying to get back to work, I have tried to modify the mortgage, been in and out of bankruptcy, paid attorneys- uncovered huge errors with regard to escrow calculations AND crediting of payments ( including refusal to recast- which is a right included in this mortgage. 

They are not sending me statements and will not give me information, AT ALL!! And I am in BK now. : ( ....
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Equifax : [ XXXX XXXX XXXXXXXX ] [ Account Number : XXXX ]
Product: Checking or savings account

I want to lodge a complaint against Chase for the horrible support I've received after finding out my account was restricted due to a technical issue with a check made out to me. After 2 weeks and 30+ calls to resolve, they made it worse. One check is now on hold and now {$16000.00} of mine is gone and a savings account is closed. I need to speak with an executive manager about how I've been treated and discuss resolutions and reparations for the time spent and plans that have had to cancel due to having to deal with this. I've lodged XXXX, CFPB complaints, tried escalating at my local branch, tried escalating online, through the XXXX help account, through the XXXX number, to no avail. No one cares about helping to resolve this. We have XXXX credit scores and I'm being treated like some sort of criminal. 

All attempts at resolution from myself have been without any result from Chase. They are not doing anything to assist.
Product: Debt collection

Valley collections mailed a notice initiated from XXXX. When XXXX were called to clarify why Valley collections were utilized to collect the debt, as no invoice was ever received. XXXX the billing manager from XXXX stated the invoice was mailed to an address that had not been current in over seven years. XXXX was asked to rectify the situation, and correct the error. I stated to XXXX that payment would be immediately submitted after the corrected invoice was received. After several months of communications there was no correction made, and the matter was reported to XXXX credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing XXXX XXXX account XXXX was past due several times in XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX.The loan was paid and never was late .The information is incorrect.