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

I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Experian is reporting on this account. My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Experian in XX/XX/2022 and no response, I sent a follow up at the end of XX/XX/2022 and still no response and no correction to the account. The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Experian is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Experian is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The account type is listed as " unknown-credit extension or collection '' - This means is unvalidated and the company who is reporting is issuing inaccurate and incomplete information, Lastly a collection account should not report any two year history and of course experian is also reporting a history. This is at least 5 violations. Ive included the letters mailed and the credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXXXXXX XXXX XXXX XXXX XXXX  EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX DO NOT CONFUSE WITH CONSUMERS OF SIMILAR IDENTIFICATION ; VERIFY ALL IDENTIFYING INFORMATION. 

Experian : XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM 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 CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Experian has been reporting inaccurate information which is a violation of 15 U.S. CODE 1681
Product: Checking or savings account

Morning I recently opened an account at Schwab. Expierance horrible.One day after my card arrived my account got restricted. I was not notified by Schwab or even recieved a Email to explain why. Upon my own investigation i found that the account was restricted after numerous chats and calls and money spend on the phone trying to get through to get help. 
I finally managed to get through and was told its with verifications. Its been a few days and a few phone calls later. Still no luck. 

I am hoping someone out there can assist me in getting my money out of Schwab and closing all accounts/connections with them. Its an absolute pain to try and get hold of a representative. 

I hope that their management looks into the onboarding process of this bank and their processes. I am sure there are other unhappy clients out there. 

Hope to get some resolution. 
Case referance nr : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.
Product: Debt collection

On XX/XX/10 i got a text message from Central Portfolio Inc. attempting to collect a debt. They are stating that i owe $ XXXX. I do not recall ever owing this amount.
Product: Debt collection

I sent this company a cease and desist on XX/XX/year>. I have still received repeated phones calls from this company. From my phone records it shows your company attempted to contact me on XX/XX/XXXX at XXXX ; XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX at XXXXXXXX XXXX  ; and today XX/XX/XXXX at XXXXXXXX XXXX This is a direct disregard to the letter sent to your company and a direct violation of the Fair Debt Collection Practices Act. Your company is showing a blatant disrespect for the law and consumers.
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX  XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX  XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX  XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report.

According to subsection ( e ), it is mandated that XXXX  XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship.

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7.

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request.

I emphasize that any opt-out clauses established by XXXX XXXX XXXX do not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence.

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquiry from XXXX XXXX XX/XX/2020 on and XX/XX/2020 on my XXXX, Transunion and XXXX  credit report. I never authorized this inquiry or told them they could pull my credit report. I am requesting the inquiry to be deleted or changed to a soft inquiry since hard inquiries have a negative impact on my credit score. I already disputed this with the CRA.
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got an email from what seemed to be XXXX with a number to call and that there was a request for money : when I called they claimed my Discover Card associated with my XXXX account had been used to make large purchases, and the only way they could try and recoup the money was for me to go out and buy 3 gift cards at {$500.00} each from XXXX and XXXX. When I questioned the legitimacy, they called me back from the XXXX # on back of the Discover credit card. They stayed on the phone, and after the first two purchases and scan to them ; the 3rd XXXX purchase was declined, and they were no longer on the phone. XXXX claimed that the {$1500.00} purchase had been confirmed via email, also claimed that my email must have been compromised. I promptly changed my password. When I called the same XXXX number, from the back of the card, back myself, I was told that this was a scam, and that there was no way for me to be reimbursed or the charges to be cancelled. I have since removed any payment form from XXXX.
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.

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

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 card or prepaid card

FRAUD SCAM 911 People or cash app used the money out of my account.
Product: Checking or savings account

I am writing to formally express my concerns regarding Bank of America handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Bank of America numerous times and reporting discrepancies, my financial institution and Bank of America failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Bank of America has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted all required information per FCRA 623 to remove fraudulent accounts from my credit report. All elements required were submitted. I submitted the police report, information showing which accounts are fraudulent, a statement that these accounts are not mine and identifying information which was a social security card and a drivers license with current address. This item still remains after the time permitted by law. This company is hereby in violation of the fair credit reporting act and federal law. Will you uphold them? Or will you make them comply? Also, all documentation was faxed to Equifax as they requested and this company can not say that they did not receive the required information. I have also attached this information to this complaint.
Product: Debt collection

I was seeing a XXXX I trusted for 3 years. I kept asking him why my bill were so high for normal procedures and he said my insurance wasnt good. when I contacted my insurance company they said he had been lying to be. He was out of network the entire time and wasnt honest. I asked him to adjust bill he refused. I told him it was the right thing to do, again he refused. 
He sent it to collections ( Account Managment Services XXXX XXXX XXXX # XXXX, XXXX, CA XXXX ) when the collection company contacted me I explained to them what happened. I told them it all needed to be verified and there was a lot of things that needed to be fixed. The bill was 90 % higher then should have been. 

They said they didnt care about any of that and I needed to pay the bill or they would report it to the credit beauros. The refused the verify the amounts owed and what they were for. The women I spoke to was nasty and condecending. What an awful experience!
Product: Debt collection

I was contacted by a Company named API Recovery Solutions. I was told that I had 2 days to pay the debt or I would be taken to court. I was so scared that made a payment. After researching the company online I can not find any legit reviews for them actually being a company. Everything I read says that it is a scam. I am not sure what to believe at this point. I cancelled my bank card and told the company to leave me alone and they said they would take me to court and garnish my wages. I want to get this paid but I am not paying a scam artist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be apprised that you are in direct violation of the Fair Credit Reporting Act. In my opinion you have violated my rights : I understand you must complete a proper investigation within 30 days of receipt of my letter 15 USC 1681i ( a ). On XX/XX/2021, I received a copy of my credit report and found errors on it so I sent by certified mail ( receipt number : XXXX XXXX XXXX XXXX XXXX, a request to Equifax to verify/validate an unverifiable item reporting on my credit profile. The item reporting on my credit profile is an account from XXXX XXXX, which I have no idea what this even means. 

You claim the account in question was verified but did not show proof as requested. I do not know what resources your company used to verify the account. The burden of Proof is on you. In this complaint accompanies my Letter asking for Removal of Inaccurate Credit Information. 
Thank you very much for your time Sincerely, XXXX XXXX
Product: Mortgage

I became XXXX in XXXX, XXXX, unable to make mortgage payments on time, and became late due to no income and XXXX. I started Bayview 's modification application process in XXXX, XXXX ( w/Bayview Finance after XXXX sold my account to them ). For the past XXXX months, I have tried to obtain a modification/HAMP modification, to no avail. On XXXX, XXXX, I was offered a modification with no changes, extending my loan to again 30 years and additional costs were added into the original loan. After requesting the reason for the HAMP denial from XXXX XXXX my act rep, he stated it was due to missing information. I submitted an appeal to Bayview 's HAMP escalation dept providing the documentation necessary to appeal. Last week I was told that they do not have the information necessary to approve again and to resubmit. XXXX, as advised by his manager, XXXX XXXX, they would submit just as soon as updated bank statements were provided. I 've done that, and am waiting. At the same time, I am receiving foreclosure notices from their foreclosure dept/company, XXXX XXXX. 

I 'm scared and need help. Ive done everything Bayview has requested ... more than once! I am also a XXXX veteran who was recently diagnosed with XXXX and have been XXXX for this illness and am in ongoing treatment for XXXX, suffer from XXXX XXXX, and several other XXXX illness. I do n't want to and ca n't lose my house!! PLEASE HELP because I 've done everything I can do in working this issue with my mortgage company on my own and now with the forclosure notice I received, I may be at risk now of being homeless. I am now receiving XXXX benefits from social security, am XXXX, and have Veterans benefits as well. I CAN afford my house and need to " fix '' the past late payments/fees ... and doing that through modification but Bayview is playing games!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had disputed an account ending XXXX with XXXX XXXX XXXX and sent via certified mail on XX/XX/18 to experian where they signed and acknowledged the certified mail on XX/XX/18. I called experian to address and ask why is my credit still reporting inaccurately ... Customer rep was rude, and acknowledged that he did indeed receive my documentation. This has been reporting on my credit inaccurate and has affected my well being and denial for credit. I followed protocol and provided validation from creditor of what needed to be updated on my credit report. The customer rep acknowledged that they received my documentation but did not want to make the needed adjustment per my FCRA right which has been violated. Rep also stated that he didn't care if i contacted CFPB as it wont make a difference. At this point this is affecting my way of life as credit is everything and to have a rep tell me he didn't care was complete disrespect to me and violated my FCRA rights. I placed my call to Experian at XX/XX/18 XXXX EST. Credit is everything and when you entrust in the system to do right make sure they take their job serious and especially when documentation is supported per their validation process its disheartening and reason why people lose faith in the credit reporting agencies. So many of us have inaccurate items on credit that goes unnoticed and without a care in the world to make it right.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred despite having sufficient funds when transaction was authorized. I was charged fees due to lagging posting charges and credits. this issue aligns with the recent CFPD finding against Navy Federal for similar practice and transactions settled with insufficient balance despite initially available funds. I believe this practice is unfair and request for an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I had an issue with unauthorized activity to my XXXX  account and during the dispute, the loan was charged off and added to my credit report. The charged off loan was settled and paid on XX/XX/ but it does not reflect accurately on my report and still shows as not paid.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  CT XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX  XXXX XXXX Balance : {$2400.00} XXXX XXXX  XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX  XXXX Balance : {$35000.00} XXXX XXXX, XXXX XXXX Balance : {$10000.00} XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX  XXXX CI XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX : {$35000.00} XXXX  XXXX Balance : {$270.00}
Product: Credit reporting or other personal consumer reports

I met a mortgage lender XX/XX/XXXX to be pre-approved for a loan to by my first home. I found out by the credit report that I have two XXXX loans. Even though I have only had one XXXX loan. I was told to reach out to XXXX. 
I do in fact have a XXXX loan from XXXX for {$19000.00} which is seen on my credit report from XXXX XXXX XXXX XXXX XXXX However, my credit report also shows a XXXX loan from XXXX for {$39000.00} reported XX/XX/XXXX on page XXXX. The account numbers were even doubled. The second time I called XXXX on XX/XX/XXXX, I was told that in XX/XX/XXXX XXXX had a " glitch '' that caused people to have a duplicated student loan balance. 
My mortgage broker put in a dispute with XXXX about this situation. 
I called XXXX, XXXX, and Equifax. Two of the three credit bureaus said they see the XXXX and they put in disputes. 
XXXX has been called three times, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in which each time I was transferred twice until I could reach the credit people. They told me that they have put in a claim and that it would take up to 30 days to be removed from my credit report and it has not. I have asked to receive a personal letter stating the {$39000.00} does not exist so I can buy a home but they did not. They said " some people '' had duplicate amounts. I will attach the letters they sent me. 
Today, XX/XX/XXXX per XXXX 's recommendation on their letter to check XXXX  it still shows the {$39000.00}
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to Equifax. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, n item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The Consumer reporting agencies are also in violations of ... 15 U.S.C 1681 section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : Sates a consumer reporting agency can not furnish a account without my written instructions. 
CLOSED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 also have a FTC report that was submitted to Equifax and clearly disregarded. Please remove all inquiries and accounts listed Also, Equifax took more than 30 days to complete my investigation XXXX XXXX XXXX
Product: Debt collection

In late XX/XX/XXXX I received a letter from XXXX XXXX, CEO, of Residential Credit Opportunities Trust V-E titled " Notification of Assignment, Sale or Transfer of Your Mortgage Loan ''. The letter was dated XX/XX/XXXX. 

I sent a notice of dispute and demand for validation to him at the address provided in late XX/XX/XXXX or early XX/XX/XXXX. In response, Mr. XXXX sent me the same document containing the same information. 

Neither of the documents contained a notice of my right to dispute, at no time have I received proof of the alleged debt from Residential Credit Opportunities Trust V-E, and Residential Credit Opportunities Trust V-E claims it has the right to modify the terms of the alleged debt in a notice of sale sent to me by XXXX XXXX XXXX. 

Residential Credit Opportunities Trust V-E has not replied to my second attempt to dispute and demand validation of the alleged debt and yet it continues to attempt to collect from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed bankruptcy twice with Experian and tell me it ' still remains on credit report. 
When I received a letter from the U.S. Federal Courts tell me they don't report to three bureaus, I will attach letter from the US Federal Courts, and Letter I sent to Experian as well.