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

To Whom It May Concern, I am writing to formally file a complaint against both XXXX and Credit Control LLC for violations of the Fair Credit Reporting Act ( FCRA ) and for failing to properly investigate inaccurate information on my credit report.The issue pertains to an account reported as a collection account under XXXX XXXX on my XXXX credit report. Upon reviewing the details, I identified multiple discrepancies and improper handling of the investigation by XXXX : Lack of a Date of First Delinquency : The account does not include a date of first delinquency, which is required by the FCRA. Improper credit classification : XXXX has this listed as a line of credit on my credit report, I never received or initiated aline of credit from XXXX XXXX. Incorrect Creditor Information : The account is reported as a collection account from XXXX XXXX. However, after investigating this matter further by visiting Credit Control LLCs webpage, I found that the agency is attempting to collect on behalf of XXXX XXXX instead of themselves Credit Control LLC. Despite this, XXXX continues to list XXXX XXXX as the creditor, rather than Credit Control LLC, which inaccurately reflects the true status of the account. Balance Discrepancy : The balance shown on my credit report does not match the amount Credit Control LLC is attempting to collect, adding further inaccuracy to the report. In light of these issues, I filed a formal dispute with XXXX over the phone on XX/XX/2024. However, my dispute was closed just 4 days later with XXXX of those days being Saturday and Sunday with the claim that the information meets FCRA requirements, despite the clear violations of accuracy, completeness, and diligence in reporting. XXXX failed to conduct a thorough investigation into my claims. Due to this lack of diligence from XXXX and the violation of my rights as a consumer under the FCRA, I am requesting the following : Immediate deletion of the inaccurate collection account from all of my credit reports. Immediate compensation from both XXXX and Credit Control LLC, XXXX for not conducting a proper investigation and violating my rights and Credit Control LLC for the harm caused by their shear disregard for the law. Both agencies allowing this violation has caused me mental and physical anguish with the failure to properly investigate this matter. If these requests are not met, I will not hesitate to retain legal counsel and pursue further action for damages and the enforcement of my rights under the FCRA. I trust the CFPB will take swift action in addressing this complaint and ensure compliance with consumer protection laws. Thank you for your attention to this matter. I look forward to your prompt response and resolution.Sincerely,
Product: Debt collection

FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, ONLY ADDRESS IS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TEXAS XXXX, ONLY NAME IS XXXX XXXX XXXX, PLEASE REMOVE ALL OTHER XXXX AND XXXX OFF REPORT, Please remove these inquiries from my report
Product: Credit card or prepaid card

Chase has locked me out of online access to my card information. I am given no explanation for this. I called customer service and was transferred around from agents XXXX to XXXX to XXXX none of whom could/would solve the problem. XXXX told me she had to ask me a question to authenticate me but didn't have any questions to ask me, so that I had to hang up and call again. 
Another instance of laughable behavior by a bank and its customer service. 
Of couse, customer service did not, has not, and has taken no steps to try to solve the issus of their creation.
Product: Debt collection

This complaint is regarding a debt with XXXX that occurred over five years ago in which the company charged me incorrectly. At the time, I contacted XXXX attempting to dispute the amount but there was no resolution. My account was immediately sent to collections and it was subsequently charged off with a reported debt of over {$400.00}. Several weeks ago, I noticed that the charged off mark from XXXX had disappeared from my credit report and assumed that it had aged off per the statute of limitations set forth by the FDIC. 

However, that was not the case. The XXXX debt was apparently sold to a debt buying company because today a new creditor called XXXX XXXX XXXX has flagged my account with a brand new debt of {$550.00} carrying a due date of XX/XX/2018 which is today. 

It is clear that this action was taken by XXXX and XXXX to circumvent the consumer protection law regarding time limitations on credit reporting.
Product: Credit reporting or other personal consumer reports

I was one of many whom were exposed in the Data Breach and have seen several things and numerous things on my credit REPORT. I also learned because of the breach, some of my info has made it to the Dark Web
Product: Debt collection

On XX/XX/2018 I filed a written dispute ( USPS Certified mail # XXXX XXXX XXXX XXXX XXXX ) directly with Credit Acceptance Corporation located in XXXX, Michigan regarding inaccurate payment history they posted to my consumer credit reports. I identified and list each error by month and year. Under the Federal Law, I requested copies of specific records that they keep during the normal course of business. 

I waited more than 30 days to her the results of the investigation and view copies of invoices and payments that I requested. To date Credit Acceptance has not investigated nor responded to my dispute or request for inaccurate payment history to be deleted from my credit  reports. 

Thus far Credit Acceptance Corporation has ignored me and the law. I am requesting your assistance in having Credit Acceptance comply with the law and remove the inaccurate payment history from my credit reports.
Product: Credit card

On XXXX/XXXX/2016 I purchased a service from a merchant through paypal for {$5500.00}. Paid {$3100.00} on XX/XX/XXXX and then the balance of {$2400.00} on XXXX/XXXX/2016. Paypal restricted Merchants account and refused to release the {$2400.00} payment. Paypal reasoner NOT justified and they have failed to provide any genuine issues of fact but continues employee the identical policy which brought about their latest class action settlement. As a result, the merchant refunded to me the original {$3100.00}, but since the {$2400.00} was frozen by XXXX our contract was cancelled and the service I paid for was NEVER RECEIVED. I contacted XXXX attempting to resolve the issue as did the Merchant with no resolution.On or about XXXX/XXXX/2016, I contacted Capital One, explained all the facts, spent over 30 minutes on the phone going over the entire issue. Provided the terms of the contract, the rental property information and thoroughly explained that the services i paid for were not provided. Capital One originally removed the {$2400.00} charge. Around XXXX/XXXX/2016 I received a XXXX page form from Capital One requesting identical information which I had previously provided to the fraud investigator and more information which was completely irrelevant. On XXXX/XXXX/2016 Capital One placed that charge back onto my card and against my available credit. On XXXX/XXXX/2016 I contacted Capital One again, the representative informed me the investigation is not completed and they will continue to investigate. However they would not remove the disputed charge of {$2400.00} from my account. They representative asked why i never returned the XXXX page form letter. I informed the representative that all the information requested was previously provided and that I have carried out everything I am entitled to do. I informed the representative that federal law and our contract requires them to remove that charge until the investigation is complete. They still refused. I also informed Capital One if they report my balance to the credit bureaus and include the {$2400.00} disputed transaction, they would be deliberately providing the credit bureaus with inaccurate information. Simply put, Capital one did n't not care and it seems they will simply do whatever they want regardless of policy, contracts or government violations.
Product: Credit reporting or other personal consumer reports

I have sent a copy of my drivers license and social security card to you. I dont live at that address and know of no one that does reside there. I dont get legal mail at that address. I sent you my drivers license with my address on it. I do not reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I live in XXXX for a very long time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : 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. I have aleady contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hi. This issue started awhile back as Flagstar No longer is my loan servicer. When my realtor pulled the title on my home it shows a lien for 40k due to a partial claim second mortgage filled in my county. I was not aware of this as my loan modification I kept attempting never went through or was finalized due to mess up after mess up on flagstars end. And then my loan was transferred so a modification was never in place. Now Im stuck and can not sell my home due to this I have been calling for two months straight day in and out several times a day and basically takes to every department there. Ive literally begged and pleaded to talk to higher ups or supervisors anything that can simply see I need a lien release that this was filled in error. One 2hr call the one man did clear as day see the error as well as some others and I was assured I wouldnt have an issue that in 3-5 days I would have my release and could close on my home that I had already had to push back one time prior thanks to them! Its been a complete nightmare and I am risking being sued because Im in a contract with the buyers but cant sell without a release that I most definitely should not be going to battle to get as Flagstar Bank and their extremely non compliant ways have messed up big time on this. They put me off on the county, the new mortgage holders, HUD, FHA, and everyone else they say to call. No one has record of this except flagstar and the county flagstar sent it to to be filled. I can not take the run a round anylonger on this huge mistake they made causing me this XXXX! Please help ASAP! Im getting no where with them. I sit on hold for hours on end being transferred to 12 people in one call. Its horrible! Ive been hung up on disconnected and transferred without notice daily I dont know what to do from here my house was to be closed on several times now and Im risking being sued by the middle of this week .. this is extremely urgent please understand I dont know what else to do Ive done everything in my power and spoken to as well as emailed anyone I could. Thank you so much!!!
Product: Debt collection

Capital Accounts called XX/XX/XXXX to collect a debt I was totally unaware of. Capital Accounts LLC had an old address on file that I had not lived at for over six months prior to the date the collection was filed which was XX/XX/XXXX. XX/XX/XXXX Capital Accounts LLC called to collect a debt, did not disclose the reason for calling before asking me my name, address, and phone number. Capital Accounts LLC had the wrong address on file and asked me to verify and correct information before disclosing who they were. I have since disputed Capital Accounts LLC with all three credit Bureaus, and they have been discharged from all three credit reports since XX/XX/XXXX. I have since spoken with several debt collectors from Capital Accounts LLC who continue to try to collect a debt that was successfully disputed and discharged. To no avail, I am still receiving calls from Capital Accounts LLC claiming I need to dispute with their administrators since I had them deleted. There is no reflection of Capital Accounts on XXXX, XXXX, and XXXX  as well as XXXX XXXX ( despite them not being a credit bureau ). I have informed Capital Accounts LLC multiple times since XX/XX/XXXX that I should not be receiving phone calls any longer yet I am still receiving seemingly harassing phone calls. I have asked for written documentation of the bill in XX/XX/XXXX and did not receive.
Product: Debt collection

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

I have made attempts to deal with these issues with them and They continue violating my rights and I'm entitled to {$1000.00} for every violation I listed, they need to pay me or delete these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these unverified inquiries. I think you have not validated these inquiries in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit.

XXXX XXXX XXXX XXXX XXXX XXXX**** BAL : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Debt collection

the asset recovery company is not the original debtor and some of the debts are very old as well. the medical place that takes care of my bills pays my bills and i pay the deductible. they have threatened to take actions against me n repeatedly call me. the original debtor XXXX no longer exist even. they sign paper work with XXXX and always try collecting more. a form of double billing. these debts asset recovery keeps reporting has hurt my credit like they said they would do. again the original debtor is out of buseness n asset recovery bought the debt and are doing all they can to hurt me financially.
Product: Payday loan, title loan, or personal loan

On XXXX XX/XX/2018, I was issued a loan from MoneyLion for {$850.00}. To date, I have paid {$820.00} which has cleared and posted plus another {$200.00} which is in process for a total of {$1000.00} ( 5 payments of {$200.00} ). MoneyLion has received full payment of the {$850.00} borrowed plus {$180.00} in fees. Per South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On {$850.00} loan, the fees collected should be {$120.00}. I have paid {$57.00} more than this amount. 

MoneyLion is still planning to collect another nine payments of {$200.00} ( {$1800.00} ). If I pay those remaining payments, I will pay a total of {$2600.00} for an {$850.00} loan. I will pay {$1800.00} in fees. 

This is PREDATORY, OBSCENE and APPALLING!!! MoneyLion preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL.

Once my fifth payment of {$200.00} is posted to my account, MoneyLion will have collected {$1000.00} on the {$850.00} loan. At that time, I want my account marked " Current/Paid in Full/Closed ''. I am requesting MoneyLion absolve me of the remaining 9 payments as that is predatory lending at its worst.
Product: Credit reporting

I requested a dispute on a particular account on XXXX XXXX 2016 with TransUnion credit reporting agency I faxed in proof of my payment history to verify I was not late on a payment XX/XX/2016 or ever late on a payment with that company. this information was faxed in and I have the confirmation dated XX/XX/2016 at XXXX. TransUnion sent me a letter dated XX/XX/2016 that states the results were verified no change, they sent another letter dated XX/XX/2016 that said the same thing. This is incorrect I 've spoken with the account holder directly and they have confirmed a mistake was made when the location that managed my account closed and they moved all files to another location, they stated to me that the information has been updated in their record however this particular company has not reported to TransUnion since XX/XX/2016 therefore my credit report still shows a delinquent payment from XX/XX/2016 and it also still shows a balance that 's {$400.00} more than what I actually owe.
Product: Credit reporting or other personal consumer reports

This is the second time XXXX  updated this questionable information by sending a letter to the XXXX credit bureaus. XXXX believe XXXX  have violated Sections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by failing to verify these items, and XXXX will take legal action against XXXX  as a result. This was previously mentioned in XXXX  previous COMPLAINT #, and XXXX  including XXXX XXXX more. 
XXXX AND XXXX  XXXX XXXX XXXX XXXX CARD 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, credit repair services, or other personal consumer reports

I.C SYSTEMS PROVIDED AN ATTACHED ACCOUNT OF VEFIFICATION FROM XXXX. CLAIMING IT TO BE VALIDATION OR TRYING TO MAKE IT LOOKS AS IF IT WAS VALIADITION FROM I.C STSYEM TO COLLECT SAID DEBT. WHICH IS NOT WHAT I REQEUESTED OR ASKED FOR. I ASK FOR PRROF OF CLAIM AND A ORIGINAL CONTRACT WITH MY SIGNED NAME BETWEEN ME AND I.C SYSTEM. THIS COLLECTION COMPANY DOES NOT HAVE VALIDATION OF AANY SUCH THIS TO CONTINUE TO LEGALLY ATEMPT TO BOTHER ME.
Product: Mortgage

on XX/XX/2016 I filed a complaint of the mortgage company adding additional charges to my loan with no explanation. Because of CFPB they finally got it all corrected on XX/XX/XXXX statement. So on XXXX I go to the web site to make my payment and the web site will only let me make the minimum payment again and not the fully amoritized payment so I add the additional amount. Now again on XX/XX/XXXX statement they have started again charging me fees with no explaination. When is this going to STOP!!!!! I just want to make my payment correctly, on time, and have them credited correctly!! WHAT A CONCEPT!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX. XXXX dollars. This was listed on all the credit reports that this account was charged off as bad credit. 

According with the Fair reporting act, the above account violated my rights according to the 15 USC section 1681, which state a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX D

ata Breach Direct Violation of The FCRA Repor ting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681