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

Please be advised that this is my 3rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX   Date XXXX Account Number XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX
Product: Debt collection

My son attended XXXX XXXX XXXX XXXX for several years as a XXXX XXXX. He had several services rendered under my insurance ( MEDICAID ), they referred him twice for XXXX  and we were told it wouldn't be covered by the insurance that I have. After the second consultation which was because the prior one expired due to length in time since my decline, his father and the company setup payment arrangements. 

I believe the insurance used was XXXX or whatever system he signed up for, I do not know the details since I declined and did not have any part in the service agreement. I spoke with the both managers at the practice over the last two years on both sides regarding the issue. I advised them of the concern and was told that due to account setup they couldn't list both parties. In speaking with the manager of XXXX XXXX it was verified that medicaid was listed for his office XXXX exams and visits. In speaking with XXXX manager I continuously was given the run around and redirected to billing and asked for court documents which were provided several times. The facility sent the debt to collection in my name and still to this day I have yet to see a service agreement with terms, conditions or my signature. I spoke to the debt collector yesterday whom was not advised nor aware of the matter and stated that they would need to pull back the debt or we would need to go through court.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint about an issue that has resulted in the fraudulent reporting of an account on my credit report, due to identity theft and inaccurate information submitted by an automobile dealership. 

Details of the Incident : - Between XX/XX/XXXX, and XX/XX/XXXX, an inquiry by " AUTOMTV CRDT '' was added to my credit report. 

- Between XX/XX/XXXX, and XX/XX/XXXX, an automotive account with " AUTOMTV CRDT '' was added to my credit report. This account was opened on XX/XX/XXXX. 

Upon reviewing this, I contacted the financial institution in XX/XX/XXXX. They informed me that an account was opened under my name and Social Security Number ( SSN ), and I immediately explained that I had never opened an account with them nor had I purchased a car. The institution attempted to verify my identity, but the address and date of birth did not match my information. At this point, I suspected identity theft. 

I submitted a dispute with XXXX in XX/XX/XXXX, but the dispute was denied, and the account was marked as legitimate. 

After further investigation, I contacted my father, with whom I share a similar name, and discovered that he had purchased a car from XXXX  XXXX, a dealership in XXXX, FL. The dealership mistakenly submitted my SSN instead of his during the car purchase process. Upon contacting the dealership, they confirmed that they would only deal with my father directly. 

I submitted another XXXX dispute, explaining that all the data on the credit account did not belong to me except for my SSN. This dispute was also denied three weeks later for the same reason as before. 

I then reached out to the financial institution, Automotive Credit Corporation in XXXX, MI, and they confirmed that they had identified the issue : my father 's information was correct on the loan except for the SSN ( which was mine ). To resolve the issue, both my father and I submitted copies of our SSNs and drivers licenses to the financial institution. Additionally, I provided a copy of my credit report to the financial institution to further clarify the issue. 

However, after reviewing my credit report, I noticed that between XX/XX/XXXX, and XX/XX/XXXX, a second hard inquiry by AUTOMTV CRDT was added to my credit report. This new inquiry occurred after Automotive Credit Corporation had already reviewed my record and identified the issue, and it is unclear why they continued to perform further inquiries despite knowing the situation. 

Furthermore, the dealership, XXXX XXXX in XXXX, FL, has been unresponsive and has failed to correct the issue by repurchasing the car from the financial institution or rectifying the credit report information. The credit issue remains unresolved to date.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case, How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, person 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 she or 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. They also violated my given rights numerous times. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 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. According to : 15 U.S.C 168s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed three negatively reporting trade lines from Choice Recovery for {$400.00}, {$400.00} and for {$570.00}. I have no idea where these debts originated. I have never done business with Choice Recovery.
Product: Credit reporting

I received an alert email last nite from Equifax letting me know my credit report was ready ... the problem with that is I did not access nor request my report ... Equifax told me the request came from XXXX ... they completely disavowed any knowledge of how it happened ... who pulled it or anything else ... their solution to my issue was to get on a computer to stop others from pulling my report ... they refused to put a freeze on it even though they are the reporting agency ... I am astounded that in 2015 someone can pull my report from anywhere other than where I live and it sent up no security alerts ... 
Then this morning I get a call from XXXX XXXX for my XXXX XXXX asking if I had made multiple charges on the account and they read them off ... it was north of {$3500.00} and as the rep was asking me about them he stopped himself and said wait ... the charges were made in XXXX ... I live in New Your, United States ... so if the bank can see where the charges originated why ca n't the credit bureau see where my report request came from? 
XXXX closed my account ... issued me a new card and started a fraud investigation ... Equifax did nothing ... 

Please help me with this matter ... thank you in advance ...
Product: Student loan

In 1987 I took out a loan and it was about {$14000.00}. I let it go into default due to some personal circumstances. I recieved a letter stating that it was in default and I owed {$17000.00}. When I took that loan out, it stated if it went into default, it would be up to 25 % penalties and interest. It did not say, 25 % penalties and interest plus 20 % interest until it was rehabbed and then they would add more and more to it.

Now ASA ( American Student Assistance ) have recently hired Performant to collect a separate debt I have not taken out or agreed to pay. The only paper work they have been able to provide is a fuzzy print document with pages missing. ASA claim I agreed to this loan but this is not true, nor have I ever seen the document before. If I had agreed to such a large loan there would be a copy of a loan agreement with my personal signature on it. I need them to stop garnishing my wages for this immediately. They have tried to get me to actually agree to pay this loan I know nothing about and I absolutely did NOT agree to it at any point in my life. This is not reasonable that someone can just " show up '' and say I owe them {$160000.00}! it is illegal and extortionate.
I did NOT " electronically sign '' nor did I agree to consolidate or any such nonsense.

Now ASA has been garnishing my wages through XXXX for the past year. If they won't provide an actual document to me proving the debt is legitimate, why are they allowed to garnish my wage? The reason they aren't able to provide this documentation is because it doesn't exist. Please make them stop!
Product: Credit reporting or other personal consumer reports

It has been more than 30 days since my last dispute/complaint, the account in question with XXXX is still reporting. 

I have officially filed an XXXX form to combat the continued to reporting of this account any further. Please remove the charged account with XXXX under the ground of no evidence being provided by the creditor in question within 30 day period. Because of the lack of response, I can not accept responsibility or ownership of the account in question. As I mentioned in my complaint, XXXX sold this debt and gave up their legal right to collect therefore legally they are to report this balance as {$0.00}, they have failed to do that but also failed to prove the account is mine or any further evidence of accuracy in reporting. XXXX has removed this account. Transunion and XXXX need to as well. 

You have 15 days to remove this account from my credit report, else I will have to take legal action against all parties. 

Thank you for your time.
Product: Credit card

I applied and received an AMEX with a bonus of XXXX bonus points after {$3000.00} spend was met. My spend was met on XXXX XXXX, 2016, and my points posted on XXXX XXXX, 2016. I have tried and called several times to get my points transferred to my airline of choice. I was told that the points would be credited XXXX8 weeks after the spend was met. My points have credited. I ca n't spend my points. I was told it would be XXXX8 weeks. It has been over 8 weeks since my spend was me. I have been told by over XXXX people at AMeX that my dates for available points were, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I have attempted to get my points transferred to no avail. However, I AM able to use them as credit on my statement. As seen in the attachment where they credited them back for me. My points should be available for use now. As of today XXXX/XXXX/16, I again spoke with someone else who has informed me that every time I attempt to transfer my points, it pushes me further down the line for my points to be available. Really? What kind of reward is this. I paid {$450.00} membership for a rewards card that I ca n't get my rewards on. Also today, the conversation I had with the representative from AMEX informed me it 's XXXX8 weeks from the time my {$3000.00} spend is paid off. REALLY?? that was no where in my membership agreement. I know my balance was paid, but that does n't have any bearing on when my points should be able to be transferred. Stories are being made up on a daily basis. The attachment shows charges added through XXXX XXXX went way over the {$3000.00} spend ( not including the {$450.00} membership fee.
Product: Debt collection

In 2018 enhanced recovered company tried to wrongfully charge me {$1400.00} for unknown charges from XXXX! I am no longer with sprint and no nothing of these charges so I disputed the bill! It was deleted from my credit report. Now it has returned to my report without explanation. I would like ERC to stop harassing me and remove this charge from my credit report
Product: Mortgage

Went through process of having home assessed by realtor to have PMI dropped. 

Paid {$150.00} to Freedom Mortgage ( check cashed by FM ) Realtor visited house on XX/XX/20 Received report from Freedom Mortgage customer care on XX/XX/20 confirming eligibility to drop PMI Received bill due XXXXDID NOT REFLECT dropping PMI Called FM on XX/XX/20. Customer service rep initially told me FM has " no information '' regarding this. I insisted they did, and they in fact sent it to me After being put on hold, customer service conceded that they did have the info, but the paperwork was " overlooked '' and they would update my account and send me an accurate bill immediately. 

My electronic account has NOT been updated and I have not received an adjusted bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. These items found within my credit report are not related to any transactions that I have made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer repeatedly and its defamation of my character. 

- XXXX XXXXXXXX XXXX XXXX  Account # XXXX {$5000.00} - XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I am writing to you because of an inaccuracy that has been reported on my credit report from capital one bank stating that I was late on my credit card payment on XX/XX/XXXX, I was not late on my payment I made a payment on time payment on XX/XX/XXXX for {$33.00} Capital one credit card department is stating that they did not receive the payment and failed to verify the reason this is the old account credit card number ending in XXXX and now is XXXX I have an email conformation showing the credit card was paid on time. 

This is an in accuracy and the late payment needs to be removed from my credit report because I paid the credit card on time on XX/XX/XXXX for {$33.00} I also have proof from a screenshot sent by capital one in my email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX account that is reporting on my credit report is incomplete. There is no payment information listed on the credit report between XX/XX/XXXX when I allegedly opened the account to XX/XX/XXXX. Yet Equifax is reporting that the account was 30 days late in XX/XX/XXXX. There is no payment information listed on my credit report between the periods of XX/XX/XXXX and XX/XX/XXXX. Equifax is reporting that the account went into a charged off status in XX/XX/XXXX and that is false. 
There is no payment information listed between XX/XX/XXXX to now on the account. 
The account is in complete and under the Fair Credit Reporting Act, if an account is incomplete then it shpuld be deleted from the person 's credit report.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Good day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
Account name : XXXX XXXX XXXXXXXX Dates reporting NOT Accurate : XX/XX/year> Please fix this immediately as it is hurting my chances of buying a new home and IAM XXXX yrs old XXXX have NEVER missed a PAYMENT EVER! these late payments are NOT Accurate. Thanks for your help,
Product: Mortgage

I made the XXXX payment on my mortgage on XX/XX/XXXX XXXX - The payment amount I was quoted before signing the mortgage and the payment were {$720.00}. This amount continued to be paid each month until XX/XX/XXXX when along with the normal amount of {$720.00} for my monthly bill I was notified of a shortage in my Escrow Account of {$2400.00}. So, on XX/XX/XXXX I not only paid my monthly mortgage payment of {$720.00} but also the Escrow Shortage of {$2400.00} for a total payment of {$3100.00}. I paid the Escrow Shortage so my Monthly Mortgage payment would not go up until the next Escrow Analysis on my mortgage account. However, on XX/XX/XXXX the mortgage company released a statement saying that my regular monthly mortgage payment is now {$1100.00}, about a 66 % increase! Even though I paid the Escrow Shortage out of pocket the Escrow amount in my monthly payment went from {$220.00} per month to {$690.00}!!! When contacted about this, and explaining I had already paid the Escrow Shortage out of pocket, the company agent just said the Escrow ; " Is what it is ''. That was the help I got when this is either clearly a mistake on their part or they are a predatory lender that buys mortgages at the originated price then within a year drastically increases the monthly payments hoping to make bigger profits or take people 's homes!
Product: Debt collection

I have no idea if these calls are coming from Capital One [ ( XXXX ) XXXX ] or XXXX XXXX - XXXX XXXX XXXX [ ( XXXX ) XXXX ]. However, I have spoken to both companies and stated that I only speak to companies whose Company 's callerID come through. The phone numbers that come through are described as either Non-Fixed VoIP, VoIP or Unknown. The four telephone numbers that have come through just over the last two days alone have been : Unknown @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020 ; ( XXXX ) XXXX @ XXXX, XXXX, and XXXX on XX/XX/2020 and XXXX and XXXX on XX/XX/2020. Last week on Thursday, I had 6 Unknown calls alone. This is what I call harassment when I had spoken to a representative with both companies and CLEARLY stated that the only way I speak and confirm ANY information is when I see a company name and phone number showing in my callerID. The representatives do not seem to either care or know how their numbers are showing up in people 's callerID since the representatives had demanded me to verify who I was. Also, with all of the calls, none of them appear to leave a voicemail.
Product: Student loan

I have been paying on my student loan since 1993 at XXXX ( i have proof ) a month that has come out of my checking account ( I have proof ). The total amount borrowed was approx. XXXX. This was the agreed amount ( {$110.00} XXXX taken out of my account, never missing a payment. After paying this for over 20+ years they still say I owe over XXXX with fees and interest. I should not of had fees for default status because after I made 6 monthly payments I came out of default status according to the letters they sent me ( I have these also ). This has been a unjustifiable nightmare since I have complied and done what was agreed upon and set up by them, This loan should have been paid off many years ago but they continually tell me, I owe the XXXX No American citizen should be harassed by our government when they have done nothing except pay the debt. As far as I am concerned and by the facts I have, they owe me money for unjustifiable fees and interest that has been applied for no reason. Please advise. Oh and by the way they will help you in no way to resolve the issue.