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

I have been dealing with Experian and have disputed an alleged debt that was sold from XXXX to XXXX XXXX. I am not claiming that this debt is mine ( I am looking into it ). But I am disputing what is showing on my credit report for now. I have disputed the date of last payment that is showing up on my credit report. I first disputed this on XX/XX/XXXX, and then on XX/XX/XXXX and lastly on XX/XX/XXXX, all of them came back as Remains with no changes made. The Experian credit report shows that the debt is new as of XX/XX/XXXX, therefore showing a fall off date of XX/XX/XXXX. Due to the first date of missed payment reported to Experian the date of removal from my consumer report is incorrect. Its as if the debt was started over just because the collection agency bought the old debt. In the correspondence ( collection letter & XXXX statements ) that came directly from XXXX Adjustments it clarifies that the due date for the account ending in XXXX was XX/XX/XXXX. This means that the last payment made was clearly before XX/XX/XXXX. XXXX XXXX also reported this debt to the other two credit bureaus but those are showing debt was from XXXX with a fall off date of XX/XX/XXXX. I have also attached a letter from XXXX showing that the alleged debt is XXXX days overdue ( almost XXXX XXXX XXXX ). This is in divergence to the date of XX/XX/XXXX reported on my Experian report. Experian has failed to investigate the dispute/claim, they say they have verified with the creditor and that the results Remain unchanged. They clearly did not consider all the verification that has been provided. Had they investigated the dispute they would have seen the evidence to show the collection agency is not providing the correct fall off date. This also insinuates that I have recently become delinquent with current payments to this so-called new debt. This is wrong and affects me terribly as some of my current credit card limit amounts have dropped. They are illegally hurting my financial well-being by re-aging and reporting late payments of this debt which is affecting any ability to acquire financing.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I am a part of the Wells Fargo banking scandal. Several years ago I lowered my monthly rate on my XXXX year mortgage. Unbeknownst to me WF added an additional loan and years to my mortgage. What they told me over the phone and the papers they sent for to sign were XXXX different things. Now I am saddled with a XXXX year mortgage and an additional loan. This last fall WF agreed to lower my monthly rate XXXX point, in house. It is now XX/XX/2017 and it still drags on. Their notary did not properly sign the documents they sent me and I was asked to have XXXX RE-NOTARIZED and re-sent to them. Now they have informed me that this paper has been lost and we need to begin the process all over again?? .The incompetence/ dishonesty is breath taking!! I believe that they hope I will go away so WF will not have to give the point reduction. Their attempt to mitigate their nefarious banking practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute my charged-off XXXX XXXX XXXX credit card account ( account number begins with XXXX and ends with XXXX ), as this account is now paid in full with a XXXX  dollar balance, as of XX/XX/2021. The credit bureaus dispute website will not allow me to file a dispute for this account and it gives no such reason why Im unable to file a dispute for the XXXX XXXX account, so that the account is updated on my credit file to reflect paid in full and a XXXX dollar balance. I have tried to upload supporting documentation to the credit bureau, but I receive no acknowledgment that its been received or that its being processed as a means to substantiate that this particular debt is paid in full with a XXXX  dollar balance as of XX/XX/2021.
Product: Debt collection

I contacted Pinnacle to resolve a past due debt. The original debt is from a XXXX bill of {$500.00} from XX/XX/XXXX. I tried to arrange a pay for delete but Pinnacle informed me they do not offer a pay for delete option. They are reporting that the debt is from XX/XX/XXXX. The woman on the phone indicated this is when Pinnacle purchased the debt, not when it was originally first delinquent. This debt has been re-aged and should be removed from my credit reports.
Product: Debt collection

I have a debt showing on my credit report from progressive dating XX/XX/2019 when I had XXXX  at the time and before that I had XXXX. It shows I have a debt of {$280.00} owed to XXXX  which is false information. I requested for this item to be removed and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : accounts not mine Account info Account name XXXX  Account number XXXX Original creditor - Company sold - Account type Charge Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit XXXX XXXX Monthly payment {$0.00} Past due amount - Highest balance - Terms Revolving Responsibility Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bill for XXXX I never had any XXXX product
Product: Checking or savings account

Yes they have charged me this is in XXXX of XXXX they would take it money out of my account when I know that money was in there and when I go to withdraw my money is not there I have an overdraft and dealing with and they say that they looked into it but they said nothing happened and I had to pay them back money which I knew my bills were covered I live on a social security and they left that they left me really messed up and almost and almost homeless and I'm still fighting with them now {$450.00}
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely ad effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX has made harassing calls to myself and my mother, a female left @ least XXXX different voice mails on my mothers phone, stating " they will be at XXXX 's home tomorrow to take care of this debt matter " or we will be at her home around noon to get her to sign verification of debt, representative stated to me " that I was obviously stupid in regards to the law, this statement occurred after I ask him for proof that I actually owe XXXX money, and I stated you ca n't sue me if I do n't owe you the debt. 
I had asked them several times to stop the phone calls, And threatening.
Product: Mortgage

I applied for loss mitigation in XX/XX/XXXX I spoke with the company several time to insure they had all documents. The last communication on XX/XX/XXXX, I confirmed they had everything they needed and was told it may take 30 days for a response and that I was protected from foreclosure. I was told that they would get back with me when they had looked at the case. I never received any type of communication about options regarding the loss mitigation app. I then received a letter informing me the loan would be sold XX/XX/XXXX. I then received another letter on XX/XX/XXXXsaying they are moving forward with foreclosure dated XX/XX/XXXX. I reached out to them and they said they no longer have my loan information. I contacted the new bank and they told me the loan had been transferred on XX/XX/XXXX not XX/XX/XXXX. The new bank did not have all the loan info from the previous bank yet ; they haven't sent it all over as of XX/XX/XXXX. The new bank did not know about the loss mitigation application at all. The new company told me the old company should not have sent that letter because they no longer have the loan and that the loan didn't transfer until XX/XX/XXXX. So they gave me false information and are attempting to foreclose on my home.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/2022 I Followed up with LexisNexis about inaccurate XXXX XXXX information which they purchase third party from XXXX i have a active account with XXXX  and its clearly inaccurate information and dates that are present I sent paperwork proving the dates dont match up if thats not inaccurate information I dont know what is. 

To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 
These are clear violations of my my federally protected consumer rights. 

According to the law 15 U.S. Code $ 1681a - Definitions ; rules of construction. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
I would like to know who did they talk to. 
How did they complete this investigation.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1666b - Timing of payments, creditors must follow specific timing rules for payments to avoid wrongful reporting of late payments.

Moreover, according to 15 U.S.C. 1692d ( XXXX XXXX XXXX ), as implemented by Section 1006.14 ( a ) of the FDCPA, a debt collector is prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I have experienced harassment from this creditor, including frequent and aggressive phone calls as well as threatening letters sent to my home. 
The specific inaccuracies I have identified include : XXXX. Account Number Discrepancy : The account number provided is inaccurately reported compared to other sources. 
XXXX. Account Status : The account status is inconsistent across different records. 
XXXX. Date Opened : The " Date Opened '' information does not align with the records provided. 
XXXX. Payment History : The payment history reported is inaccurate, and I am also facing harassment from the debt collector, including frequent phone calls and threatening letters sent to my home. 
Given these inaccuracies and the harassment experienced, I am requesting a thorough investigation into this matter and demand that all erroneous information, including the harassment, be addressed and corrected or removed. I expect written confirmation of the resolution within XXXX days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. Additionally, I may seek legal remedies for the harassment experienced under FDCPA regulations XXXX
Product: Credit reporting or other personal consumer reports

I paid off my XXXX XXXX XXXX XXXX  debt on XX/XX/year>. 

I disputed the debt on Experian and the results came back XX/XX/XXXX as accurate, even though I showed receipts from a screenshot on the XXXX XXXX website. 
I disputed again on XX/XX/year>XXXX  and Experian expect the results to be ready XX/XX/year>. 
My score update on their site XXXX and Im worried theyre not taking this serious. I disputed my debt on XXXX XXXX and they took it off, so I am pleased w
ith them
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes. I don't know how they can say the account is accurate without providing any evidence of a through investigation. Dept of ED Account Number XXXX, Dept of ED Account Number XXXX, Dept of ED Account Number XXXX, XXXXXXXX XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX are accounts that I have disputed. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the necessary proper investigation.
Product: Credit card

TD Bank ( XXXX XXXX ) is not available over the phone in any capacity. TD Bank XXXX XXXX XXXX XXXX has made it nearly impossible for customers to view and pay bills, since they had a change to their website. TD Bank has charged me a late fee due to their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off approximately 80 % of my credit card utilization ( about 85K ) Experian and XXXX  dropped my score 26 points. 
Upon investigation on each ones website on the FAQ 's it states factors that affect your credit score The main one is Used : Credit vs Available credit. 30 % In reality they do not take into account the Available credit and now only use the 5 cards I have open as the metrics for my score.

This is an unfair practice, even the agencies couldn't explain why I dropped 26 points
Product: Student loan

My credit report is showing me as having the same name or also known as my sister 's name. Her student loan debts from the XXXX company/owner which are in collections are all falling under my name, therefore giving me a bad credit report with experian. Now I can not get any decent credits or loans or even an apartment for that matters. They 're all turning me away due to this error on my report. Please help fix all this mistake on my report.
Product: Bank account or service

Citi credit card closed XXXX of my accounts for " excessive '' adding and deleting of users on my account. I am in right standing with the company and I have a credit score of XXXX. I did break any rules or laws.
Product: Debt collection

Phoenix Finance is saying that I owe XXXX dollars and it has greatest effected my credit score. Theyve lied and reported the nearly XXXX on my credit and that is completely false. I need help contesting this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , I wrote t o Ford Motor (  with a copy to  XXXX   )  a second time to have them report my loan information to    XXXX  . They have been reporting to both   XXXX   and  XXXX . This is positive information which would help to increase my   XXXX    score if it were to be reported.     Neither Ford nor  XXXX  ever responded to my dispute and now  XXXX  months later, the problem still exists. I am shortly applying for a large commercial loan and my terms will be negatively impacted if my  XXXX  score remains significantly below my  XXXX  scores from  XXXX  and  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX VANCE & HUFFMAN LLC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  Account # : XXXX I submitted a CFPB complaint against this company in regards to inaccurate information on my credit report and the actual right for them to collect on this debt. 

They failed to properly validate the alleged debt and continue to report unverified inaccurate information on my consumer report. I have been unable to obtain a mortgage, auto loan and job due to this inaccurate and unverifiable information. I have seen XXXX XXXX in regards to XXXX and XXXX in relation to this issue and have been diagnosed with XXXX XXXX and XXXX by trained and certified XXXX XXXX  and can produce documentation that proves such. 

I
Product: Debt collection

On XX/XX/2018 I paid a {$950.00} settlement payment to XXXX XXXX and removing the inquiry from all three credit reports which was agreed upon by both myself and the company. However, the additional amount of {$230.00} remains requested on my credit reports and this is not cooperative with the settlement agreement that we made.
Product: Debt collection

In XX/XX/year>, I began receiving calls from Radius Global Solutions claiming I owe a {$570.00} debt to XXXX XXXX XXXX. I do not acknowledge or owe this debt. I requested verification, but none was provided. 

Despite disputing the debt, Radius Global Solutions has continued to call me repeatedlymore than 20 timesoften without leaving voicemails and at different hours. I consider this harassment and a clear violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits excessive contact and requires proper debt validation when requested. 

I am asking the CFPB to investigate this matter. I want Radius Global Solutions to cease all communication with me unless they can provide complete written proof of the alleged debt. I am also requesting that this debt not be reported to any credit bureaus without full verification. If the calls continue, I will pursue legal action.