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

In the past years, I disputed a collection account with Caine & Weiner regarding an alleged debt originating from XXXX XXXX XXXX XXXX. The dispute was unsuccessful, and the account continued to be reported to credit agencies, causing significant frustration. 

I reached out to Caine & Weiner on most recent date of XX/XX/year>2024 to request debt validation under the Fair Debt Collection Practices Act ( FDCPA ) and proposed a pay-for-delete agreement. The company responded on XXXX XXXX 2024 with a partial validation that included a document from the original creditor, which did not meet the full requirements of debt validation. 

Specifically, I requested : XXXX. Proof of their legal authority to collect the debt ( assignment or sale agreement ). 
XXXX. A copy of the original agreement establishing my liability. 
XXXX. A detailed itemization of the alleged {$1000.00} debt. 

Despite multiple requests, this information has not been provided. Instead, Caine & Weiner offered a courtesy deletion upon full payment, but they refused to provide a written confirmation of this agreement before payment was made. 

Due to their failure to provide adequate validation, I requested that all collection activities, including reporting the debt to credit bureaus, cease until the requested validation is provided. I also asked for the account to be removed from my credit reports if they could not validate the debt. 

Caine & Weiner has continued to report this debt to credit agencies without proper validation, which I believe violates the FDCPA.
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX Account name : XXXX XXXX  Account name : XXXX XXXX  Account name : XXXX XXXX 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 a 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.
Product: Credit reporting or other personal consumer reports

I am writing to inquire about the status of my ongoing dispute concerning a negative item that is solely reported by Experian on my credit file. Despite previous correspondence, the issue remains unresolved, and I am growing increasingly concerned about its impact on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX i got a XXXX XXXX XXXX finance through credit acceptance loan was for {$12000.00} payment was {$410.00}. 
Well i paid every payment until XX/XX/XXXX made my last payment thinking great finally paid of. my car had a gps recovery chip in case i didnt make my payments so they could shut the car off well the next month around the time my payment would be due i got in my car tried to start it and it wouldnt start thought hmm my batteries dead thats weird so i tried to get a jump still didnt do anything got a packet in the mail stating i still owed XXXX from late payments but every time anyone of my payments was late i got charged a {$50.00} late fee and for that amount of money to be accumilated from 6 late payments i wasnt gon na pay it because i dont see how i can how that much money for 6 late payments i told them to pick up the car im not gon na spend another year of payments on a car thats not even worth 21000 on my credit report it states my finance amount was XXXX an i owe XXXX but that really isnt the case because i paid XXXX XXXX $ for every late fee i had
Product: Debt collection

Bank of America and XXXX XXXX XXXX initiated the foreclosure process by sending illegal notice of default and sale to the borrower, demanding payment after a XXXX XXXX bankruptcy discharge.The bank can not demand mortgage payments in the notice of default and sale because the debtor is no longer personally liable for the debt. The bank must follow the procedures outlined in the bankruptcy laws and can not pursue the debtor for repayment of the mortgage debt. If the bank includes any demands for payment in the notice of default and sale, they are in violation of the discharge injunction and could face legal consequences. It is important for individuals who have filed for XXXX  XXXX bankruptcy to be aware of their rights and protections under the law.
Product: Debt collection

The original Debt so said was from XXXX XXXX. A collection company by the name of Northwood Asset Management left a threatning Vocie mail on my phone and my wifes that they will contact my employer and sue me and committed fraud etc ... ... 
I called the number XXXX and I asked for a validation of debt and they refused and again they will sue me. With all the fraud I was not going to settle or admit anything on the phone. ANother number I have is XXXX All I want is a written validation which I never seen or received from XXXX XXXX or northwood
Product: Credit reporting or other personal consumer reports

Hello. Im sorry, due to my XXXX I am confused. My XXXX, XXXX mother ( XXXX XXXX XXXX ) and myself ( XXXX & XXXX ) were victims of fraud in excess of {$120000.00} and are still finding accounts. Police report is open and we know the suspects. Home Depot has denied the fraud claims. What a nightmare. We did not open any Home Depot Cards at all. We have not BEEN to Home Depot, if they checked their cameras they would NOT see us. We did not give anyone authorization to use our information to open a Home Depot card. I am receiving correspondence from Home Depot for XXXX XXXX AND XXXX XXXX. Home Depot states they need the complete Police Report to dispute the denial of the fraud claims. Report is NOT complete. The contractors that worked on my house ( the suspects that stole cards from our wallets and opened other accounts ) were to be paid through a Home Equity Line of Credit, but they stole that as well. They were never authorized to open a Home Depot card. They are pros at fraud ( look at their police records ). They make it look like these purchases were for materials for my house but I promise you they were NOT. And even if they were, the suspects opened the card fraudulently. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Equifax to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as following, 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  There are also some names on my account that are not mine or spelled wrong on my credit report that needs to be deleted as following, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( this name is on my account twice which should not be on my credit report twice. ) XXXX XXXX XXXX My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made attempts to reach out to Equifax and XXXX in attempt to request that the hard inquiries be removed from my credit report as I did not authorize them. They have confirmed receipt of the request and refused to remove the following inquiries from my credit report. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit report indicates that my payment for XXXX was reported as late, and this information has been communicated to all three credit bureaus. I have already disputed this matter with each bureau, but none have updated the information accordingly. 

I would like to clarify that I sold the property on XX/XX/year>, and I have attached all relevant closing documents for your review. I made the payment for XX/XX/XXXX ; however, even if I had not, it would not have been considered late. This is because the closing occurred on the XXXX, and the title company received the funds from the buyer immediately after, well within the XXXX timeframe. 


If you need any further adjustments, just let me know!
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to XXXX, XXXX, and Experian. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution.

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights.

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims.

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase a home, when I was informed that I was denied. Because I had a debt from XXXX XXXX in collections. 
So I contacted them to try and fix the problem. The debt collector and I negotiate a settlement agreement. To where, if I paid the debt collection it will be removed/ deleted from my Credit Report. 
After 24 hours of the payment, I still havent received a receipt of the payment or proof of a letter for deletion. My credit report, it still shows the full balance, As if I havent paid at all. 

According to the 15 U.S.C 1681 Law. There shouldnt be any damages on my report thats a decimation to my character.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

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 a 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.

I want the CFPB to publish this description on consumerfinance.gov so that
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I disputed an account with Experian involving a furnisher named XXXX XXXX. The furnisher failed to conduct a reasonable investigation regarding my initial disputed and Experian failed to ensure the account 's maximum accuracy per section 1681e ( b ) of the FCRA. The account is currently reported as an inaccurate and incomplete account. It reports a charge off balance that does not align with the amount that was written off and the payment history reports " ND '' notations indicating the info is missing from the report. The balance and balance update on the account does not show any information. Not even a XXXX balance. I attempted to dispute the unresolved issues with Experian directly and was told that it was a frivolous dispute which they refused to process.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX has violated my rights XXXX XXXX has violated my rights XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A : States I have a right to privacy.. 
15 U.S.C 1681 604 A Sec 2 : Also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1861c ( A ) ( 5 ) : 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 1861Z-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I am extremely upset of the way Bank of america has handle my loan. I have submitted all the required documents to be provided a modification. However ; Bank of America keeps asking for documents for a property-XXXX XXXX IL XXXX. This property does not have to do anything with the property I am trying to modify. Which is- XXXX XXXX IL XXXX. Bank of america is prolonging my case making me fall more behind. Bank of America never offer me a settlement either. At this point I dont know what else to do because like I have mention Bank of america keeps asking for documents for a property - XXXX I have explain Bank of america that I only co-sing for my son for the property XXXX. My son is the one who pays the mortgage for that property I am trying to safe my property XXXX. My intentions are to keep my house and to become current with my mortgage once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a dispute initiated with Equifax Information Service LLC reflecting identifying dispute confirmation number as XXXX. The dispute was initiated XX/XX/2021 and completed XX/XX/2021. I requested the dispute investigation results XX/XX/2021 and two additional times after that but they have failed to provide me with the results as they should have. Instead they sent me a copy of my credit report which is not what I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX - Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score Equifax- Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score XXXX  Incorrect Name, Incorrect reporting, Identity theft, Same Accounts reported more than once, Incorrect addresses, unknown inquires, Old accounts keep reappearing, Multiple Bankruptcies, Student Loan accounts not accurate, Misleading Credit Card Offers/Suggestions Based upon my Score
Product: Credit reporting or other personal consumer reports

I disputed and sent proof to have XXXX XXXX Bank delete the false debt that they reported to XXXX. They deleted it twice. They then sold it to XXXX XXXX. XXXX has been reporting the debt from XXXX XXXX after I have disputed this account and showed receipt of payment. I would like for XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX to please delete this information out of their systems. I have shown proof and they continue to report the investigations in the companies favor. Section 623 ( e ). The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate.
Product: Credit card or prepaid card

Initially the XXXX credit card enabled rewards to be redeemed for cash back. Recently, they change this so that users can only redeem rewards in exchange for XXXX cash. However the system is currently not allowing this redemption to take place. As of right now, I have over {$300.00} in rewards cash I am not able to redeem in any way. I have contacted the company repeatedly with no resolution.
Product: Credit card or prepaid card

XX/XX/2021 I closed the balance to my XXXX XXXX credit card on presumption the account would be closed XX/XX/2021 The still open account makes a purchase. I can neither give you the exact date or what the purchase was nor the amount of the purchase. Both XXXX XXXX and US Bank refuse to give me a statement because neither of them have access XX/XX/2021 XXXX XXXX sold the account to US Bank.

XX/XX/2021-Present day XX/XX/2021 US Bank charges late fees with no attempt to contact. 

XXXX XXXX I check my credit score to see that US Bank has reported late fees. I contact both XXXX XXXX and US Bank. They both say I can not dispute charges because they dont have the statements. They have to request a statement to be mailed to me. 

XXXX XXXX I received my first statement and bill. There is not information on the disputed purchases, just interest and late fees. 

XXXX XXXX I received my first voicemail contacting me to pay. I call and they tell me I need to put in another request for the disputed charges. All the while they keep charging late fees/interest and ruining my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian Im writing to file a complaint I have been disputing XXXX bank accounts XXXX XXXX I have been disputing this account with you since XX/XX/XXXX XX/XX/XXXX I need to Know how is these 2 accounts reporting on my credit file per the FCRA 623 AND FDCPA B state that the creditor MUST MUIST enter a noticed of dispute. IF THIS IS NOT ENTERED THE ACCOUNT CAN NOT I REPEAT CAN NOT REPORT ON THE CREDIT REPORT this has been since XX/XX/XXXX Please delete these Two accounts ASAP FCRA VIOLATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I am responding to your email discussing my dispute. Your email system doesn't allow me to respond to your message. I'm having to submit another compliant in your system. Experian purposely does this so the consumer isn't able to respond, and steal their money. Not everyone is able to afford to sending correspondence back and fourth through the mail. Experian takes advantage of people doing this. 

In your letter your state. " We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. If, after processing, we find that the disputed information is inaccurate, incomplete or can not be verified, we then delete or modify that information, as appropriate. " I am disputing the following item appearing on my credit report along with specific reasons for the dispute thereby I am asking this to be removed as set by law. Please do not merely contact the company electronically without providing a copy of this correspondence and getting all relevant information. Please note that I need this account corrected in order to qualify for a home loan. 

If the company furnishing this account information informs you that it is reported accurately please provide me with all the documents that prove that the account was accurately reported and describe the procedure you used to verify that the account information was and is accurate including the name, address, and telephone number of the furnishers contacted. 

It is clear to me that you are required to " maintain strict procedures to ensure that whenever public record information which is likely to have an adverse effect on a consumer is reported it is complete and up to date. '' Please complete your investigation in 30 days as permitted by law and email the results to me, and if not resolved I will have no other option to hire a law firm enforcing consumer rights under 15 USC. 1681 et seq. On my behalf to seek all possible remedies and damages associated with trade and commerce, FCRA, and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. ( Section 1031 of the Dodd-Frank Act )
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus are still reporting inaccurate and refusing to update.