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

I have sent several letters to XXXX over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete information regarding my credit report, as provided by XXXX XXXX. Upon review of my credit report, I have identified certain items that are either incomplete, inaccurate, or not substantiated by proper documentation. I am requesting that these items be thoroughly investigated and removed from my credit report in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following items are being disputed : XXXX XXXX. XXXX claimed I have been late 30 days in XXXX and XXXX of XXXX. I have checked my account on their actual website and see that payments havent been 30 days late. If payments were late, the creditor failed to properly notify me. This is violating the Truth In Lending ( TILA ) if proper billing procedures were not followed. 

I would like to bring to your attention the legal obligation under Section 1681i of the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable investigation into disputed information. This investigation must be completed within 30 days, and if the information can not be verified, it must be removed from the report. In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court held that if the credit reporting agency fails to properly investigate disputed items, they are in violation of the FCRA and must remove the inaccurate information from the report. 

Additionally, I would like to highlight XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), where the court ruled that incomplete or inaccurate reporting of credit information violates the FCRA. Therefore, I request that you remove any inaccurate or incomplete information from my credit report, as it does not meet the standards set by the FCRA. 

I am respectfully requesting that this late payment be removed from my credit report as it is inaccurate and potentially damaging to my creditworthiness. 

Please confirm the removal of the disputed items or provide a detailed explanation as to why the information is correct within the 30-day time frame. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

A violation of 15 U.S. Code 1681a, Under the Exclusion Clause ( A ) ( i ) TransUnion must respect my right to privacy. I have a right to privacy ; TransUnion is violating my rights to privacy as a Federal protected consumer. There is a need for TransUnion to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. They have developed an elaborate mechanism for investigating and evaluating the credit worthiness credit standing, credit worthiness, credit capacity, character, and reputation of consumers. 
Through Transunion actions as resulted in Companies/Banks violating 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ), that protects applicants from discrimination in any aspect of a credit transaction. Which include Consumer credit, Open-end credit, Credit applications, Standards of creditworthiness and Denial of credit. Transunion actions not respecting my privacy as caused great harm to me and my Family. The banking system depends on accurate reporting and due to their practices as undermine my confidence in the functioning of the banking system. 

I
Product: Credit reporting 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 XXXXXXXX Account number XXXX and the XXXX Account number XXXX are in violation of my rights. Also, the list of inquiries is in violation of my rights to privacy in accordance to 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, credit repair services, or other personal consumer reports

Since last year I have been writing to all 3 credit Veros company disputing the information that I have in my credit report but with no result all I get is that the result have been investigating and is verified I have been asking for validation of the information thats in my credit report and each time I ask all I get is verification since XXXX of last year is about a year I have been writing to the credit bureaus for them to help me fix the problem and validate the information. The result for year have been verified and never been validated so Im asking your company to please investigate this information and have some validation information to me. The credit bureaus is very abusive in power and I feel trapped for them not to be listen to what I have to say and also I have fraud alert in my account in there undermine does also. I want to bankruptcy removed from my account I have no knowledge of it I have asked for for validation for that information and it was never provided to me I went to the court system to ask why do you report something thats not mine and they told me they never did so I dont know why the credit bureaus do you have so much power to do consumers like me this way. The law shows that if the credit bureaus can not validate information that they had to remove the item from your credit report so Im not understanding if they can not validate my information why do you keep running my credit the way they are. I am writing to you expecting you to investigate all three credit bureaus I need validation for my credit and I need all the negative items to be removed I have wrote to the companies more than 12 times and I still have not got any results from them so please write me back and let me know when exactly ready to do if I need to take the step to take the credit bureaus to court thank you.
Product: Checking or savings account

I have checking account with Wells Fargo with more than {$2700.00} in it, and Wells Fargo is making it very difficult to access the funds. I live XXXX in XXXX and have requested a debit card on more than one occasion so I could make withdrawals of my money at ATM machines, but the card did not arrive. On XX/XX/XXXX, I again called Wells Fargo to ask where the card was. The agents said they could not authenticate me for the account because I do not have a U.S. cellular phone number. I do not live in the U.S. so there is no reason for me to have the cellular account. I asked if there was any other way to access my funds, and they said there was none, except to travel to the U.S. and present my ID card. During my latest call, XX/XX/XXXX, I was passed from one agent to another, being put on hold each time. Finally I said I wanted to make a complaint. Wells Fargo transferred me to a supervisor. But she was very rude and said my friend, whom I authorized to help me with the call, could not listen in. She then hung up on me, after we had been on the call -- much of it on hold -- for 50 minutes. We were calling from XXXX. This is unacceptable, and I still don't have access to my money.
Product: Mortgage

I have been trying to get my VOM for Loancare for over a month, I have been assured several times that it would be delivered.  The latest supervisor (XXXX) XXXX   XXXX told me XXXX XXXX today...and to call back if it was not done.  Now, XXXX XXXX and he won't even return my calls - I am a paying customer and do not derve this kind of treatment.  I was told it would be here by noon last Friday by a supervisor, the next one hung up on me, and several customer service reps also because I said I would hold instead of getting a call back another company canned lie.  Why do people want to hold you may ask, because I have put in 10 hours with Loancare since Friday the XXXX!  As of now still do not have the request the customer is asking for...it says complete on their end, yet never received on my end.  A XXXX 12 year old can resend a fax/email  Loancare = XXXX!XXXX XXXX - is just a number to make you feel good - more XXXX!
Product: Debt collection

I received a complaint from RAB Performance Recoveries. I filed an answer and sent my request for discovery and interrogatories. The firm then filed a summary judgment motion saying there were no material facts and yet they have not even responded to my discovery, so no facts were known yet. I requested a postponement of their Motion and they claimed they would postpone it and even sent me a new court date. Then, instead they went to Court on the original date and got their judgment, as I was home still waiting for their discovery answers. They never postponed the matter, and lied. They got a judgment and started strong arm tactics and threats to extort money from me. I began research while I was paying {$100.00} each month. I finally found out how they got the judgment as there were so many other victoms on line who they had done the same thing to. 

I outlined all of the research I found and sent it to them via e mail, regular and certified mail. I said I had evidence of their wrongdoing and would go to the court with it upon motion. They responded by saying they would drop the case. So, I contacted the court who suggested I prepare a Warrant to Satisfy Judgment. I prepared it and sent it to be signed and filed by RAB Performance Recoveries. I never heard another single word, or received any correspondence whatsoever for about 6 years now. 

RAB now just pulled up the 8 year old file and has filed a motion to attach wages based on the Judgment they received through fraud. Turns out that they failed to file the Warrant on the order they received through trickery and defrauding of the court and myself. They also gave no credit in this new Motion for Garnishment for the {$1000.00} that they extorted from me, and I have long ago disposed of this file, as I truly thought it was a closed matter after not hearing a word for more than five years. 

Since they initilly falsified court papers to get the judgment in the first place, the judgment should be voided and the matter should be outside the statute of limitations at this point. 

I desperately need help in communicating their wrongdoing to both the public and the court as well as other victims of their scam. They operate a business by ignoring court rules, lying to debtors about what their intentions are and what remedies are available, lie about court hearing dates, fail to abide by court rules of discovery and are still in business not being held accountable for all of these illegal activities. They need to be stopped. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate information on my credit report. They are reporting a XX/XX/2020. I recall making this payment on time, and I am not sure why they are reporting a late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted this company to start a credit card credit line to help establish and build my credit after a very many problems I close the credit line and when I accept it to close a credit card the company refused to initially close the credit card and now they are still actively charging you interest on a credit card that is closed down but they refused to open back up so that I can gain access to successfully restore the card and it's a good active standing having to pay interest on a car that I have no way of tracking or activating is absolutely absurd especially being at this was a credit card that was supposed to help build my credit yet at this point it is purposely tearing down my credit. I would add they are adding late fees and interests without providing me any direct statements of such as well. I dont know how they can charge fees that are more than what the principle balance is.
Product: Debt collection

PMAB LLC has reported two medical bills on my credit report. Not only are they erroneous, but also I did not receive a notice of my right to dispute before they were added to my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681c2 requires the consumer to send 4 documents. I sent to Equifax my Identification card ( drivers license ), ftc report, accounts that are fraud, and my personal statement. They are refusing to delete the items. They are falsely stating that those documents are not enough to delete the items. They are not doing their due diligence by being fair and equitable nor doing their grave responsibility. 

( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed online to remove some addresses that do not belong to me and others to be removed because is incorrect. After submitting the dispute there response was " submittion failed ''
Product: Debt collection

On XX/XX/2022 ( or so I think ) there was a Discover credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors XXXX XXXX XXXX of these charges that were verified by Discover Bank
Product: Debt collection

There are what I believe to be numerous violation of the Fair Debt Collections act by this agency. I do indeed have a valid debit with XXXX XXXX XXXX XXXX XXXX XXXX for an ER visit my child needed in late XXXX. After my insurance, I still owed close to {$3000.00} and set up a payment plan with the hospital. Thru the hospital, I continue to make monthly payments and it shows my balance. About 7 months ago I began getting phone calls from " Harris and Harris ''. They do not identify themselves as a debt collector or trying to collect a debt. Just a general message to call their office. About 4 months ago I was able to connect the dots after getting a letter about the debt. I rote them that it was not valid and I was paying the hospital as agreed and to stop calling. They did briefly. I did get a single call to my work phone ( which is accessible and can be heard by others ) where they did identify as a collector. I have not had that message since. Things stopped after I complained directly to XXXX XXXX 's but not long ago it started up and I began recording ( note and audio recordings ) of the messages I get. The timeline on those are as follows and each recording simply states : " This XXXX XXXX calling from Harris and Harris limited, please contact me or any of our representatives at XXXX '' and the recording ends, each time. Since I started tracking this, calls have occurred on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I grew tired of their tactics and send a formal letter certified mail that was received and signed for by their office in XXXX. USPS Tracking # XXXX. In the letter I again explain, dispute, and ask they cease contacting me via phone and to only communicate in writing, I have not received a single written communication but 4 calls now since. 

I know there are wose debt collectors out there, but you'd think any reputiable collector would understand the basics of the law and at least identify themselves in their calls as a collector, which they dont, and supports they're anything but credible and why it seems they are collecting on a bogus account/debt. 

Please help me make this end. Copies of the letter to this company and the recordings of the calls can be provided. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts reporting
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXXXXXX ABILITY RECOVERY SER Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to  provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious ABILITY RECOVERY SER I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX
Product: Mortgage

To whom it may concern, I do think their loan statement is misleading the change of interest rate. Their statement is saying new interest rate is effective on XX/XX/XXXX every year. However, new interest rate has been applied on XX/XX/XXXXevery year. For the XX/XX/XXXX payment, {$580.00} was applied to interest ( {$240000.00} * 3.25 % / 12 ). If New interest is effective from XX/XX/XXXX, new interest rate shall be applied from XXXX payment. So the interest payment for XX/XX/XXXX pymt ( which was interest accrued during XX/XX/XXXX ) should be {$530.00} ( {$240000.00} * 3 % / 12 ). They may charge correctly based on Note I agreed. But the monthly statement is misleading the new interest effective date. I have asked them to correct but they refused. Plz review if the statement is accurate or not. I contacted Wells Fargo in XX/XX/XXXX thru their online bank. Thanks
Product: Debt collection

As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and that it would be deleted from my history. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX continues to report a medical collections of {$560.00} and provided the original creditor of XXXX   XXXX XXXX. I have several emails with a representative from XXXX XXXX XXXX stating that they do not have my information in their system and this debt does not belong to me. XXXX  has removed this collections account, however ; XXXX  continues to report this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only service any of the three credit reporting companies offer is the opportunity to dispute information in the credit report, but this complaint is about how the credit score is actually generated. 

Its a programming issue inasmuch as all three companies apparently use the same or similar key factors ( Att 1 p. 1 & 2 ), but in my case those key factors do not track with my credit reports, " Your credit score ... reflects the number in your consumer report '' notwithstanding ( Att 1 p. 2 : X'ed block ). 

For examples, factor 00011/01 : Amount owed on ( Revolving ) accounts is too high is a report Debt-to-Credit ratio of 4 %, 028 Number of Established Accounts is 03 Too Few Bank/National Revolving Accounts IS MY CHOICE, 10/010 : Proportion of Balances to credit limits is a variant of 00011, and 014 length of time accounts have been established is reported as a 21 year average in a 30 year credit history. 

" Know how to get rich? Spend less than you make. ''