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

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, North Carolina, XXXX Email address : XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX 

XXXX, North Carolina, XXXX Subject : Formal Complaint Regarding Credit Reporting Errors and Violations of the Privacy Act Dear Sir/Madam, I am writing to file a formal complaint regarding multiple issues with the credit reporting agencies ( XXXX, XXXX, and Experian ) and third-party collection agencies, which have significantly impacted my financial well-being and privacy rights. I request your immediate assistance in resolving these matters in accordance with applicable laws and regulations. 

Issue 1 : Non-Mailable Address The credit reporting agencies have failed to update my address despite multiple requests, rendering their correspondence non-mailable as per 39 CFR 233.3. This has led to delays in receiving important financial information and has adversely affected my ability to manage my credit effectively.

Issue 2 : Misspelling of Name Furthermore, these agencies have persistently misspelled my name in their records, which has resulted in inaccuracies in my credit reports. Such errors violate the Fair Credit Reporting Act ( FCRA ) and its implementing regulations, specifically 15 USC 1681e ( b ) and 12 CFR 1022.41.

Issue 3 : Third-Party Collection Agencies In addition to the credit reporting errors, I have been subjected to harassment by third-party collection agencies that are not affiliated with the original creditors. These actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, and its relevant provisions.

Privacy Act Rights I also wish to invoke my rights under the Privacy Act of 1974, 5 USC 552a, which requires federal agencies to safeguard the confidentiality of personal information and to ensure its accuracy, relevance, timeliness, and completeness. 

I hereby request that the Consumer Financial Protection Bureau investigate these matters and take appropriate actions to rectify the errors and prevent further harm. Specifically, I seek : Correction of the inaccurate information on my credit reports. 

Removal of any derogatory remarks resulting from the actions of third-party collection agencies. 
Enforcement actions against the credit reporting agencies and collection agencies for their violations of relevant laws and regulations. 
Compensation for any damages incurred as a result of these errors and violations. 

Enclosed with this letter are copies of relevant documents supporting my claims, including correspondence with the credit reporting agencies and collection agencies. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please keep me informed of any updates regarding the investigation of my complaint. 

Thank you for your assistance. 

Sincerely, XXXX XXXX Enclosures : Copies of relevant documents ( e.g., credit report, correspondence ) Any other supporting evidence
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX reported XX/XX/ 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts, unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer - provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing regarding a collection account that is inaccurately reported on my credit report. The account in question is listed as XXXX XXXX XXXX. Upon reviewing my credit report from XXXX and Equifax, I noticed that there are two different dates of last activity being reported. XXXX lists the date as XX/XX/XXXX, and Equifax lists the date as XX/XX/XXXX. It also lists the account status as open on the report for Equifax and closed for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was divorced in 2009. Mortgage granted to my ex. quit claim turned over interest of the property to him. Property has been in and out of foreclosure for XXXX years. No papers, modifications or financial info given or signed by me. Loan went from XXXX to XXXX within that time. I just want it removed from credit and a release of liability done. I have called the mortgage company repeatedly thru the years asking them to foreclose. they disregarded them all. and now my financial responsibility with this matter has doubled even though I have agreed to nothing and signed nothing. It is finally foreclosed on and they have nothing further to gain from me. SEE the email below that I sent to them asking for them to ethically make this right. This is the resolution I am looking for. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX  property.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - XXXX XXXX ( 4 months ) I am not sure how this happened, I believe that I had made my payments to you when I received my statements, but I also know that my bank had internal issues where I finally had to completely changed the bank. Again, my only thought is that my monthly statement did not get to me, or that internal bank error that caused the money not to be automatically sent to you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$74.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX : {$1900.00}
Product: Checking or savings account

I opened my Comerica checking account ( number XXXX ) in hopes of consolidating my funds at a central bank. However, my account was frozen. I called and spoke to XXXX and went to the XXXX XXXX XXXX branch on XXXX XXXX. My account was subsequently closed after visiting the branch by Comerica.
Product: Checking or savings account

I XXXX XXXX XXXXXXXX XXXX., was looking earn some extra cash and a company name XXXX XXXX XXXX. So, for me to advertise there logo there willing to pay for both of my vehicles .They sent me check, I waited 3to 4 days to clear at PnC bank in XXXX XXXXXXXX XXXX nj.i spent some monies by second was told check had no funding. So I called the XXXXXXXX XXXX XXXX XXXX XXXX., and was told that no one ever contacted them.if they would 've been contacted, they would 've know the check was fraudulent check and this would not had happen. An P.n.c. bank is charging me for the entire check.why I 'm I responsible when it 's there job to clear the check.i do n't work at the bank.thanks in advance for prompt assistance in this situation. Sincerely XXXX XXXX.
Product: Debt collection

During the time was going thru XXXX in 2007my credit cards were stolen and charges were made with out my knowledge or consent.I called the creditors who refused to help and they instead sent the accounts for collection. I have disputed the account many times they miss report the dates and sold the debts to XXXX party agency who keep renewing the age of the debt
Product: Debt collection

I help my son buy a car, it was repossessed because he did not pay, now they are asking me to pay what he did not pay. I already called n tell them I can pay {$10.00}. Per month. Im XXXX n I dont work. It was already more than 7 years ago!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent method of verification dispute to Experian and never received a response within the 30 day time frame and nothing was updated and or validated from my credit report below is the following account that was never verified and must be REMOVED : XXXX XXXX US DEPT EDXXXX XXXX US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED, US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) - Collection, XXXX XXXX XXXX XXXX XXXX XXXX-Inquiry, XXXX XXXX- Inquiry, XXXX XXXXXXXX XXXX- Inquiry, XXXX- Inquiry, XXXX XXXX Inquiry, XXXX XXXX XXXX- inquiry, XXXX XXXX XXXX XXXX, XXXX- Inquiry XXXX XXXX XXXX Inquiry, XXXX XXXX XXXX, XXXX XXXX- Inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I returned a leased vehicle 2 months early with full payment for those 2 months. I was not informed that there would be an early termination fee ( which I feel shouldn't apply. since, I was not so much terminating the lease as I was completing payment obligation ). In any case, I agreed on a settlement amount ( 1/2 of fee ) and paid as requested on time. since that my credit was reported as delinquent and reduced to " bad ''. I called them and they agreed that it was an oversight of theirs that they would correct. My credit did improve after that with 2 of 3 agency 's that I monitored using XXXX XXXX as an indication. However, I was just informed by my bank while trying to apply for a refinance of a loan that Experian still shows me as delinquent. It has been nearly 1 year since this started and I feel I have been hurt financially repeatedly over months for their inaccurate reporting. And the fact that they were informed months ago and still have not corrected, leaves me feeling bullied. I hope you can help in this matter. I can not afford this. 
XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

In 2023 I contacted the debt collection agency on my credit report and requested that they send me a copy of my original promissory note be mailed to me. They sent me a copy of my credit report with my name typed and forged instead of cursive/personal signature and forged on the signature line of the contract. If they can't furnish my personal original signature contract then this student loan is null and void and has been breached by original lender. I didn't make a contract with the debt collection agency nor can they prove I did meaning this debt has already been discharged and forgiven. I also never received a 1099c IRS form which I am required to receive after a discharge of debt. According to 15 USC 1681 and UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my XXXX XXXX  and send a unauthorized hard inquiry and I never applied for any credit products for XXXX XXXX. Called and they still havent removed from my credit report.
Product: Credit card

It wasn't so much a purchase. It was some of my available credit balance disappeared the next day without making a purchase. I had {$550.00} available on XX/XX/year>. And on XX/XX/year> I had {$500.00}. I check my credit card everyday if not many multiple times a day. I know exactly how much money I had to spend on the credit card. And when getting help with the credit card through Navy Federal they just became super defensive. Every time I make a purchase on the credit card the available credit status gets updated immediately. I even proved that while on the phone with a representative that's arguing with me about that. I made a purchase while on the phone and the available credit balance immediately updated.
Product: Mortgage

I went to court with Bank of America and the outcome came with no judgements ( see Part 1, proof of court hearing ). The purpose of the hearing was bankruptcy and foreclosure of the house. Afterwards, I went to XXXX XXXX XXXX U.S. Bankruptcy Courthouse, XXXX XXXX XXXX XXXX, South Carolina  to determine evidence of bankruptcy and foreclosure. No evidence of bankruptcy, liens, or foreclosure was found ( see Part 2 Bankruptcy, exhibit 1b. XXXX XXXX Bankruptcy Certification Verifying Creditor Matrix ) No real estate listed ). The lack of evidence for a bankruptcy, lien, or  foreclosure is congruent with my credit report ( see Part 2 Bankruptcy, exhibit 2c. XXXX  credit report XX/XX/XXXX and exhibit 2a. Credit report XX/XX/XXXX. Also, I received from the bankruptcy department a discharge from the loan Bank of America, Bankruptcy Chapter XXXX and others ( see Part 3, exhibit 2a. Credit Report XX/XX/XXXX ). This greatly impacted my credit for a long period of time. The lien appears against with the property. 
The bankruptcy department that sent me the discharge also sent information regarding the discharge of bankruptcy Case No. XXXX ( see Part 2, exhibit 1a ). These liens are still showing against with the property ( see Part 4 exhibit 6a, 6b, and 6c ). This debt was not listed as one of the debts on my bankruptcy. I have supplementary evidence to support that I dont have a loan in my name. The South Carolina Housing Department declared Applicant is not a debtor on the mortgage. An employee at Bank America determined that I do not have a loan in my name as well. ( see Part 5, exhibits 4a, 4b, 4c, and 4d ). Bank of America reported to me in a letter that I am part of home loan modification program, when I called the home to verify this information the SC HELP Appeal Request, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I was told no information in my name appeared. 
Also, I have submitted a copy of my title to real estate given to me on XX/XX/XXXX. Based on the amount of bankruptcy the debt was increased to a point greater than market value so the title was granted to me ( see Part 6 exhibit 3a Title to Real Estate, 3b Tax Notice, and 3c. Record of the lot ). Attending court for these matters was a confusing and stressful experience, I continue to try to cope with the stress to this day. Please review the evidence above.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has incorrect information on my report. i have contacted them via / phone and email with no cooperation. The incorrect info belongs to someone else with a similar name. the following info must be removed within 30 days ... DELETE ALL THE FOLLOWING ITEMS I have never had a " CAPITAL ONE ''  card XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I sent a letter to ERC on XX/XX/XXXX, regarding Acct requesting the company to validate the debt they say that I owe them. I did not recieve any documentation that I owed this company anything, I recently checked my credit report and ERC was listed as a creditor. This prompted my letter to them. This letter was sent Certified Mail with a Return Receipt Tracking Number. ERC recieved the letter and they signed the return receipt. They sent me a packet of a bill after I specifically requested evidence of the alleged contract bearing my signatureaccording to the law. They blatantly ignored me and sent a bill without a contract. ERC has failed to provide me a contract bearing my signature to this debt yet they continue to report this debt to the Credit Bureaus damaging my ability to obtain credit without clear validation. 

I sent a follow up letter on XX/XX/XXXX to request the contract bearing my signature to this alleged debt.
Product: Debt collection

In 2020 I purchased phones from XXXX. We were lied to by a predatory sales agent about XXXX service and bill amount and when we went to address it, the agent had been fired. 

XXXX greatly reduced the amount owed on the account and only made us pay the balance of the phones as an apology. ( from XXXX to XXXX ). A few years later the difference showed as a debt to Jefferson Capitol Systems on a credit report. 

We contacted XXXX and they said there was a mistake and it would be handled. They said it sometimes happened whenever accounts are paid off. I waited 6 months and it never went away. I was told to contact Jefferson capitol. 

They said they could not remove it, that they purchased the debt from XXXX so to them it is a debt. 

I attempted to pay it to just be done with it even though I shouldnt have had to and they said it cant be paid because they no longer have it and that they sent the debt to a sister company in ( XXXX ). I was never notified. 

When I contacted XXXX they said they did not have it that it was sent back. I was not notified about this either. Only Jefferson Capitol shows on my report. 

Neither debt collector has any information nor will allow the debt to be paid. XXXX did not even know the balance owed and didnt have any information they could use to verify who it belonged to. 

I have done everything I can short of hiring an attorney and contacting the police. To them this is a non-issue and an everyday practice, to me and my family it is hurting our ability to purchase a home..
Product: Mortgage

XX/XX/21 - Paid my XXXX payment to XXXX XXXX ( Proof of the payment was sent to BSI Financial ) XX/XX/21 - my mortgage was changed from XXXX XXXX to BSI Financial Services Since then, BSI financial services has claimed I didn't make my XXXX payment and are demanding I make a double payment to make up for the payment I've already shown to them that I didn't miss.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE BANK USA N Balance on XX/XX/XXXX - {$2600.00} Account Info Account number - XXXX Account status - Closed Date opened - XX/XX/XXXX Account type - Credit Card - Revolving Terms i submitted multiple police reports and XXXX report but company doesnt responed.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX  XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending frequent letters to Transunion for them to eliminate the accounts and information that caused due to the theft of my Identity. The previous letter I sent to Transunion was XX/XX/XXXX with comprehensive attachments of my Personal information, but though all my efforts, Transunion seemed to disregard my petitions and neglect their duty to fulfil with the FCRA section 605b. In my prior letters and complaints, I am demanding that Transunion study and confirm the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to reply to my letters regarding the analysis and the documents I have been requesting, but after a period of waiting, they sent me nothing. The Credit Bureaus are given plenty amount of time to do and finish their investigation but their study had done nothing to correct my File. Now, I am submitting this complaint to urge Transunion to remove the disputed items with or without appropriate investigation since the time allocated for them to conduct their investigation is already over. I have attached here my FTC report that I filed online and the Police Report I have filed on my local Police Department. Once again, I AM DEMANDING THAT TRANSUNION ELIMINATE THE FOLLOWING ITEMS TOTALLY FROM MY CREDIT REPORT : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights : Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX XXXX Acct # XXXX Name : XXXX Acct # XXXX Name XXXX XXXX XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX XXXX  Acct # XXXX Name : XXXX Acct # XXXX Name : XXXX XXXX XXXX Acct # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposeI have previously requested the credit bureaus there are constant inconsistencies in my credit reports, date opened, last reported, date last active, date of last payment, & payment history. I've tried multiple times to handle this with no success. They did not properly verify report and there are multiple inconsistencies.