23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXXXXXX XXXX XXXX did not properly serve me in accordance with the law, nor did they provide me with validation of my debt. They sued me in court and I was not notified of the court date in accordance with state law. 

Capital One account. ( XXXX ) {$2500.00} The following alleged collection account was on a payment plan arrangement during XXXX and the amount you are reporting is not correct, nor is the amount owed. ( see attached document for details ) Under the XXXX XXXX  If you are current on payments and make special arrangements, creditors must report the account as current. 
If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
Late and missed payments CAN NOT be reported if you have already made arrangements. 
Charge offs may still continue to be reported as a charge off Some creditors may use a special code for natural disasters on credit reports for delinquent accounts, this is not required. 
XXXX does not consider disaster codes for credit scoring. 
XXXX will not use late payments with a disaster code for credit scoring. 

I had a XXXX positive test result which indicates I was effected by XXXX during the illustrated time line for the XXXX XXXX gave this information to the credit card company. 
They violated FCRA and compliant reporting standards. 


XXXX XXXX XXXX is not in compliance with all the XXXX XXXX reporting standards, and I'd like this account removed upon completion of investigation. 

Sincerely, XXXX XXXX
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 rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : act # XXXX, XXXX XXXX XXXX  : act # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : act # XXXX, XXXX XXXX XXXX : act # XXXX 15 U.S.C. 1681 section 602A. states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an 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, credit repair services, or other personal consumer reports

I call XXXX today XXXX XXXX and they said they wasnt re - investigating Very rude and unprofessional Here the Steps XXXX. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau ( XXXX Tranunion, XXXX each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters.XXXX, Tranunions, XXXX are trying to stall me hoping that I will stop. XXXXFiled a complaint CFPB complaint -came back verified no action taken by you guys. XXXX .Filed a complaint with my State attorney General office. XXXXContacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. XXXXEmail XXXX Tranunions, XXXX Ceo as last resort before I Sue them.
Product: Debt collection

NorthStar Location Services , LLC is reporting on my credit report for XXXX. I 've contacted NorthStar and ask for the original indebtedness of said account to no avail. NorthStar has sent me account activity information and a break down of the amount. This is against the law for this company to continue to report false information on my credit report according to the FCRA. I also did n't find that this company has a valid License, Bond, and Certificate of Authority in the state of Arizona.
Product: Credit reporting or other personal consumer reports

I have an identity theft issue and have been reporting this to the credit XXXX for about a year now. While reviewing my credit report I noticed a recent pay loan for XXXX on my file with a XXXX recent payment as of XX/XX/XXXX. I have not applied for any loans this is fraudulent. 
I have now had to close my bank, checking, and credit with My Bank. 
This is a copy of it from my credit report. 

XXXX  XXXX XXXX Balance details 3 % paid off Balance {$350.00} Balance updated XX/XX/2023 Original balance {$360.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/2023 Account type Unsecured Payment summary 2023 PAYMENT HISTORY XXXX Status Open/Never late. 
Status updated XX/XX/2023 Original balance XXXX XXXX  Monthly payment {$12.00} Last payment date XX/XX/2023 Contact info Address XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX PERSONAL STATEMENTS XXXX XXXX XXXX XXXXXXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. 
Personal loans
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT INQUIRIES 1. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXXXX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX  XX/XX/XXXX6. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX GET THE CREDIT BUREAUS TO ATTACH MY POLICE REPORT TO THESE FRAUDULENT INQUIRIES ... THANKS
Product: Debt collection

Been trying to call them since XX/XX/XXXX when I seen it was on my credit report I have called at least XXXX times and left several voice mails have not received anything from this company about this either
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. I am requesting that these accounts and inquiries be blocked and deleted pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the details of the accounts and inquiries that require action : Accounts to be Blocked and Deleted : 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 XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX separate instances somebody ( not me ) applied for credit with XXXX different banks ( XXXX XXXX on XX/XX/2022 and XXXX XXXX XXXX XXXX on XX/XX/2022 ). 
I called XXXX and spent a long time explaining this to them. Its identity theft. They said they can note the account and do an investigation. Plus I put a freeze on my account after begging for that opportunity. Amazing. 
So.. i get a letter today saying after their investigation that the investigation has not resolved my dispute and instead the information has been updated NOT deleted. 
I called and they said there is nothing more they can do. 
This is just wrong. Somebody somewhere has my soc security number and is trying time again to open credit in my name. This type of stuff is all over the news and XXXX knows this. And they arent doing anything to help. 
I need these inquiries removed from my credit report. Ive worked very hard to have good credit. And credit agencies like them dont care! I need this complaint filed. Because if I end up being an actual victim and somebody ruined my credit.. I will sue XXXX and transunion. They too have been unhelpful.
Product: Debt collection

after discharge of bankruptcy, they placed XXXX or XXXX accounts on my credit report as open, that was not on there before bankruptcy was filed but they were included in the bankruptcy. and they when from reporting under central financial to syndicated office systems. These should not have been report after discharge. They Placed it on my credit report about 8 days after final discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

After viewing my credit report recently I noticed that there were several inquiries that I do not recognize, nor did I authorize. I contacted the CRA 's and the creditors and requested removal of UNAUTHORIZED INQUIRIES, but I was denied. I stated that I am a victim of identity fraud and have a fraud-alert posted to my credit files on all ( 3 ) major CRA 's, but they still would not remove the inquiries.Here are the inquiries that were not authorized by me : XXXX  - 1.XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) XXXX  - 1.XXXX XXXX ( XX/XX/XXXX ) 2.XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX XXXX ( XX/XX/XXXX ) EXPERIAN - 1. XXXX XXXX  (XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5.XXXX XXXX XXXX (XX/XX/XXXX ) Please dispute these inquiries or  contact the reporting agency and request removal of these unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of serious concern and seek your prompt intervention in rectifying an erroneous credit delinquency report on my account, which transitioned from XXXX XXXX to Goldman Sachs in XX/XX/2022 under the XXXX XXXX XXXX. Despite my history as a responsible and compliant account holder with XXXX XXXX for eight years, the transition to Goldman Sachs brought about unanticipated challenges that have gravely impacted my credit report. 

Inaccessibility to XXXX XXXX Account : During the transition, I was unable to access my account, hindering me from managing my balance, bills, and other related matters. 
Failure to Receive New Card : Despite numerous communications with Goldman Sachs ' customer support, the delivery of my new card was mismanaged due to an outdated address error on their part. 
Delays in Issue Resolution : The misdelivery caused further delays in receiving my new card and accessing the new Marcus account, despite multiple assurances from the bank 's support staff. 
Erroneous Credit Report Delinquency : An unwarranted credit report delinquency was reported during this period, which I promptly settled upon gaining account access, but the delinquency record persisted.

Adverse Impact on Mortgage Application : This incorrect delinquency report is now adversely affecting my mortgage application for a home purchase. 
Unfruitful Resolution Attempts : Despite my earnest efforts to resolve this with the concerned parties, I have encountered resistance and inaction. 
Moreover, the delinquency was re-reported on my credit report even after submitting two complaints to the Consumer Financial Protection Bureau ( CFPB ) whereupon the bank acknowledged a technical error and refunded the outstanding amount to my credit card account. It is perplexing and unacceptable that the delinquency has re-emerged on my credit report despite these remedial actions. 

I hereby urge your immediate attention and action to rectify this erroneous delinquency reporting. It's imperative that this issue is resolved expeditiously to prevent any further detriment to my creditworthiness, and to facilitate my ongoing mortgage application process. Should this matter remain unresolved in a timely manner, I am prepared to pursue legal action against the bank to ensure the removal of this unjust delinquency from my credit report, as it stands as a significant obstacle in my home purchasing endeavor.

Enclosed are the relevant documents supporting my claims. I am keen on working collaboratively to resolve this matter and I am available for any further discussions or document submissions as may be required. I look forward to your prompt response and action to rectify this unfortunate situation. 

Thank you for your attention to this critical matter. 

Sincerely, XXXX XXXX Enclosures : Statement from GoldmanSachs from my previous CFPB complaint admitting fault. Dispute results with XXXX. XXXX XXXX credit drop. Marcus ( GS ) credit card statement that shows reversal.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on 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. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX XXXXXXXX XXXX account number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Mortgage

Hello. 
We received a letter from Bank of America-Special Loan Servicing department XXXX XXXX XX/XX/XXXX. In said letter, Bank of America re-amortized our loan, gave us a breakdown for the entire years of the loan. In addition to the breakdown, they also included an agreement and specifically stated in page 2 section 5, that our new mortgage principal balance, at that time was now {$130000.00}. 
I have called now for several years, regarding the following concern. On our monthly statements, we had the balance of {$130000.00} ( which now, has gone lower ) and we also see on our statement that we also have a non-bearing interest balance of {$84000.00}. 
Recently, due to the interest rates being so low, we have attempted to refinance to a lower interest rate, but because this issue is not resolved or that non bearing interest balance has not been removed, we have not been able to refinance. 
I have called Bank of America, even more so, to handle this, since XX/XX/XXXX, and every week, only to hear, nobody knows how to resolve this. They have transferred me to Case management dept, only for them to tell me they can not handle my call. BOA has transferred me to different departments to include special loans department, collections, customer service, bankruptcy department, just to name a few. They have advised they have escalated several times, but nothing has been resolved. It has been very hard to get answers and resolution from Bank of America.
Product: Debt collection

I had made payments to XXXX XXXX XXXX  and after my last payment in XX/XX/2022 they sent my account to a collection agency for a balance of {$100.00}. I was not notified of this and every time I attempted to contact XXXX, I either received a message that their office was closed, they were at lunch and was unable to pay via phone because their system is faulted. When I finally did reach them, I was told that my account was sent to Transworld Systems Inc. collection agency. I have never received any communication from them. When I contacted the collection agency to pay the final {$100.00} of my balance, I sat on the phone for an hour waiting for them to find someone to take my payment. Transworld Systems Inc. would send me over to XXXX and XXXX refused to accept my payment. Both Transworld Systems and XXXX XXXX XXXX refused me the opportunity to submit a final payment of {$100.00} and neglected to accept my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX 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

Personify account is paid off and in full but show multiple late payments which is incorrect. When I have notified the company, they simply tell me that the information is correct but refuse to provide proof or assist furthers Payments made from XXXX account ending in XXXX : XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$330.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00} XX/XX/2021 ACH WITHDRAWAL PERSONIFY FINANC {$120.00}
Product: Credit reporting or other personal consumer reports

Incorrect Names and Addresses on Credit Report XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX I am submitting this complaint to address the reporting of inaccurate personal information, including incorrect names and addresses, on my credit report. Specifically, any name that does not exactly match XXXX XXXX and any address other than XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MD, XXXX is incorrect and must be removed immediately to ensure accurate reporting. 

Applicable Consumer Laws Violated : 1. Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ) : This law entitles me to a credit report that contains only accurate information about my identity. Including incorrect names or addresses on my report violates my right to clear and correct reporting.

2. FCRA, Section 611 ( a ) : I have the right to dispute inaccurate or incomplete information, and the credit reporting agency is obligated to investigate my dispute, correct or delete inaccurate entries within 30 days, and notify me of the result.

3. FCRA, Section 604 ( c ) ( 1 ) ( B ) : This section mandates that credit reporting agencies must take steps to prevent the misidentification of individuals, which includes ensuring that incorrect names and addresses do not remain on my report.

4. Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 10 ) : Misrepresentation of my identity with incorrect names and addresses may mislead third parties about my creditworthiness and could amount to deceptive practices.
Product: Credit card or prepaid card

XXXX XXXX XXXX On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX XXXX My first purchase was with sales associate XXXX my order number was # XXXX in the amount of {$1900.00}. I paid {$260.00} leaving a balance to finance of {$1600.00}. 
Then I went to the other side of the store to XXXX XXXX XXXX XXXX and the sales associate was XXXX my order number was # XXXX in the amount of {$3000.00} On XX/XX/XXXX XXXX XXXX XXXX charged my account {$1500.00} and I hadnt been in the store to purchase anything since XX/XX/XXXX. I have been working with XXXX XXXX XXXX since XXXX when I saw my statement to get this resolved and it has not been resolved as of XX/XX/XXXX.
Product: Debt collection

I am a consumer who has been damaged and violated by a 3rd party debt collector named American Credit Bureau Inc. This debt collector has, by their own admission, engaged in MAIL FRAUD for the past 3 years trying to ILLEGALLY collect on an alleged MEDICAL debt from me that is 3 years past the STATUE OF LIMITATIONS. They ILLEGALLY reported negative information to my consumer report without my prior consent in an attempt to collect on this alleged debt. I initially filed a complaint on the CFB website ( CFPB COMPLAINT # XXXX ) for them to investigate their claim. They only updated the information on my consumer report. I later filed a complaint on the XXXX XXXX XXXX XXXXXXXX website ( XXXX  COMPLAINT # XXXX ), in which initiated a dialog between myself and American Credit Bureau. In our correspondence ( screenshots included ) they denied any wrongdoing even tho I pointed it out to them. When I investigated the information that they gave me during our conversation, it revealed that this company has been ILLEGALLY trying to collect an alleged MEDICAL debt from me under false pretenses, in which in MAIL FRAUD. I sent this company a letter, which they received on XXXX ( XXXX XXXX XXXX XXXX ) of my findings and they immediately deleted the account from my consumer report and sent tit back to the original creditor ( scan of letter included ). By that time, the damage has been done to my consumer report for the past 3 years causing my credit score to be inaccurate in which caused mental anguish, housing difficulty, and lack of credit worthiness. I sent AMERICAN CREDIT BUREAU Inc. another letter, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to put them on notice of my damages ( {$5000.00} ), in which they did not respond. I sent them a last correspondence, which they received on XXXX ( CERTIFIED MAILER # XXXX ) to give them a final opportunity to remedy this issue along with an updated amount due to me by their blatant lack of due diligence and personal damages due to me by law based off their violations ( {$5000.00} ) and the amount of time that this company has damaged my consumer report and caused me personal damage ( 3 years ) ( total {$15000.00} ) ( letter included ). I am filing this complaint in full honor in an effort to resolve this matter with this company.
Product: Debt collection

In XX/XX/XXXX received a letter from the BMO Harris Bank which was stating that I owed them funds associated with a home equity account which has been settled since XXXX in conjunction with the Federal HARP program when the house mortgage and associated accounts had been settled. 

I responded the same day refuting the claim and asking for proof that they were even licensed to make claims in the State of Ohio as I suspected this was a phishing exercise. Many weeks later ( actually months ) I received a copy of a statement which did not have my signature. 

In XXXX of this year I received another letter which obviously did not even acknowledge my first response. I wrote back again on the next day and said this : Well I guess I should say Happy XXXX XXXX XXXX!! I would like to begin a conversation which will satisfy this issue with some civility. Your letter dated XXXX XXXX was just received yesterday. I always try to respond in a timely manner. The issues the US Post Office are having come to life with mail deliveries having no rhyme or reason. 

I wrote back on XXXX XXXX with my response to your letter about this issue. I am including a copy of that letter as there has not been any actual answer, other than a form letter and a copy of a very old statement. I want you to be assured that I remain convinced this had all been settled with the HARP settlement in XXXX, XXXX. I also find it odd that after 7 years I suddenly am receiving these letters. I am well aware of the 7 year rules, and attempts to resurrect old and settled claims. 

In the past 20+ years I have endured 2 divorces and defended this family home more than once. I would very much like to hear from an actual person. Please contact me so that we can have a quiet and civilized discussion. 

I feel that my responses have been timely and reasonable in seeking solutions if necessary. This week I received notices to participate in a " mitigation '' program which could result in some kind of foreclosure action. I am more than alarmed. None of their letters offer any form of contact than a mailed response. All of these take time and now even more with the train wreck the US Post Office has become.

I still have no idea or recollection that BMO Harris was the bank of record and have a feeling that they have " bought '' the paperwork which was settled and are involved in a financial harassment. I do not think the 7 years is a coincidence. I take a threat to my home and my business very seriously and am seeking your help.