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

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear I C SYSTEM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft fraud laws.

It has unequivocally come to my attention that I C SYSTEM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Missouris identity theft statutes underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for I C SYSTEMP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that I C SYSTEM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that I C SYSTEM will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax in regards to XXXX bankruptcys reporting on my public record, so they started an investigation they removed one stated that it was verified inaccurate, then the second one they stated was verified and that is totally incorrect, the issue is the one reporting discharged for 2018 thats inaccurate I never filed bankruptcy before. So I contacted the courts myself to verify the accuracy of this. And they stated that they put in my information and there is no record of a bankruptcy filing under my name or social.
Product: Debt collection

XXXX XXXX ( account was charged fraudulently identity theft ) please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Stafford Loan application was applied XX/XX/08. I applied to XXXX XXXX in XXXX XXXX, NJ. I withdraw from the school and never applied the loan to anything.Come to find out when I applied for a mortgage I have this showing on my credit report.I have contacted the school and they said they could not help me with the situation. Seems i was placed in collections with XXXX  ( XXXX ). 
I am looking to purchase a home and will not qualify based on this incorrect debt. 
Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with ally was under dispute to remove some late payment from my credit report. This was closed on XX/XX/XXXX. When they closed this dispute they reported my XXXX payment was 30 days past due when it isnt in fact due until XX/XX/XXXX. I reached out to the company and they said they would put in for a correction as it was a mistake on their part. It dropped my credit score 37 points and I expressed this to them and the urgency in which I needed this fixed and how I didnt want to dispute it just correct it as it was their mistake. 16 days later and they still havent fixed it, and say they are having to verify the information. Ally can see my account and when my payments with them are due. They know its a mistake on their end and should be corrected by now. I reached out yesterday and asked for it to be corrected again as its reporting to the credit bureaus and hurting my credit and they said they will fix it as soon as they can
Product: Mortgage

On XX/XX/XXXX PHH Mortgage made payment to my insurance after asking them to make payment for a few months. They finally did but the Insurance company never received it. I called PHH Mortgage over the course of the following 3 months to fix this issue, On several occasions I have spoke to agents named XXXX from insurance dept and he stated it was cancelled check and reissued to the insurance company. 3 weeks later nothing was cancelled yet but PHH Mortgage charged me a second time for the insurance. the second payment made was XX/XX/XXXX same amount of {$4500.00}, my account became negative for escrow in the amount of {$4500.00} as they never issued the refund to me or the account. to make matters worst, they transferred my account to XXXX XXXX on XX/XX/XXXX and closed my account with them as paid in full. now when i make contact with them, no one knows anything and all i get is " they are working on the stopped check to refund to me ''. its been 3 months since this incident and they have not refunded my the original charge of {$4500.00} for double insurance payment even though they have advised me the check was cancelled and not cashed by the insurance company. along the way my insurance was going to cancel and they didnt issue second payment to them until XX/XX/XXXX, so i had to make a 3 month {$1100.00} payment to my insurance company to keep my insurance from cancelling. as part of FHA rules the mortgage servicer is required to make my insurance payment on time, hence the required escrow account. i have since spoke to XXXX XXXX # XXXX, XX/XX/XXXX XXXX XXXX ID XXXX, stated the completion date of refund into my escrow account would be XX/XX/XXXX and it didnt happen. no refund issued to account or to myself. on XX/XX/XXXX spoke to XXXX XXXX XXXX and he advised they are working on refund. on XX/XX/XXXX i spoke to XXXX ID XXXX and he advised they are working on refund, after i was upset and asked for manager, he stated he could no longer hear me on the phone call and acted like there was interruption and went quite and quit responding until i hung up. i have no idea what else to do because this is an extreme gross error on their part and they are washing their hands clean with false info each time i call. i do not have {$4500.00} just laying around to give away and i would like my refund sent to me. the new mortgage company has confirmed that they have yet to receive a refund from PHH Mortgage for my escrow. please help.
Product: Checking or savings account

I received a large amount of money as a gift, was told by the Chase Bank representative it will be available in 2 days, she circled on the receipt 2 days later it would be available, never mentioning it might be further delayed. Only to find out they extended the hold on the gifted check another 7 days. The day I inquired about it they said it is on a 7-day hold. I do n't have the money available to me and the person who gifted me the money tells me it has been taken out of his account. Now Chase does have the money and they are making interest on it for the added 7 days, not me or the person who gifted me the money. They made me feel like a criminal for something that I did n't do anything wrong.
Product: Credit card

For the past 30 days I have received an average of XXXX calls per day from the APPLE card XXXX Goldman Sachs bank XXXX I have answered and advised them on XXXX separate occasions that they are harassing me by calling me more than 7 times in a 7 day period. Yesterday alone ( XX/XX/year> ) they called me 3 times and XXXX times I answered and told them to stop calling me. Today ( XX/XX/year> ) I received yet another call from them and I advised them again that they are harassing me and that I have already advised them to stop calling me. So now I am taking action and am filling a complaint as this is absolutely ridiculous and I will make sure they never get a single bother XXXX from me. Please reach back out to me at XXXX once they have been informed of my complaint.
Product: Credit reporting or other personal consumer reports

Ive identified accounts and inquiries on my consumer report as a result of XXXX XXXX These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the XXXX XXXX, my consumer statement, and my identification proving my identity
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with XXXX XXXX from XX/XX/XXXX. Last time I tried to resolve the issue was just last month XX/XX/XXXX and the Dept of Justice, Mr XXXX 's office rep also tried to send them a letter regarding this issue. XXXX did not correct the problem. 

XXXX financed a fraudulent loan with XXXX Financing which I came to be aware of after the Class Action Lawsuit was filed against XXXX. I was misled and was given wrong information about the XXXX employment to secure this loan. XXXX has ruined a lot of people 's credit by practicing unfair Auto Loans. Financing is illegal if lenders do not have a basis for believing that customers will be able to repay loans as scheduled
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/2018 credit report is showing 30 day delinquent on my credit bureau report for XXXX XXXX mortgage but this information is inaccurate. I disputed the reporting with Transunion in addition to XXXX XXXX  I provided a copy of my 2018 bank statement to both XXXX XXXX and Transunion. I received a document from Transunion stating that their investigation results were " not specific '' and left the 30 day notice on my report even after providing them with the XX/XX/2018 statement which shows my account was paid via XXXX XXXX XXXX bill pay on XX/XX/2018. This payment was made prior to the end of the month which should not have a 30 day late notice. XXXX XXXX sent an email stating that because my XX/XX/2018 payment was late, the report for XX/XX/2018 is correct. However, my XX/XX/2018 bank statement reflects a payment made to XXXX XXXX  through XXXX XXXX XXXX bill pay on XX/XX/2018. My payments were not late as both Transunion and XXXX XXXX claim. My bank statements reflect a transaction number for both payments in which XXXX can verify based on that number. I request assistance with this issue please. I am cleaning up my credit report and would like payments reflected accurately. The second page of the attachment name, XXXX XXXX  dispute letter is my XX/XX/2018 bank statement from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an error on my credit report from XXXX XXXX Credit Card. The credit card paid full but on the credit report it is showing unpaid. I contacted with the bank and they provide me confirmation number XXXX
Product: Checking or savings account

I am a victim of identity theft and last year got sick during the covid outbreak when Chex systems started displaying info on my report that was inaccurate violating the fcra laws and refusing to remove the XXXX XXXX  account which is incorrectly listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XXXX XX/XX/XXXX {$800.00} XXXX XXXX XX/XX/XXXX {$7700.00} XXXX XXXX XXXX XX/XX/XXXX {$2100.00} Bloomimgdales XX/XX/XXXX {$800.00} XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XX/XX/XXXX {$740.00} XXXX XX/XX/XXXX {$2300.00} Hard Inquiries XXXX XX/XX/XXXX N/A
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint once again, after I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The following inaccurate items on my file needs to be remove immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Absolute Resolutions Corp for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Absolute Resolutions Corp., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Absolute Resolutions Corp continues its collection efforts, I will file for litigation for actual damages caused and Absolute Resolutions Corp., shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Mortgage

In XX/XX/XXXX I refinanced my PHH loan I had for less than a year to get away from them, because of their horrible customer service. During the refinance process PHH gave incorrect payoff information to the Title Insurance Company, they did not include my last XXXX XXXX XXXX payment, so the Principal balance, interest etc. was higher than actual. I figured they would correct it with their PIF check refund to me. However, they didn't. Right now they owe me over {$2000.00}, but they are not willing to acknowledge their mistake. I sent couple of emails to get the issue resolved and their escalation officer called me on the phone, but he spoke poor English and couldn't follow my explanation. 
Their Response Letter to me, dated XX/XX/XXXX, gives a breakdown of the payoff funds, but it is mathematically incorrect.
Product: Credit reporting or other personal consumer reports

I am writing to express my dissatisfaction and concern regarding the prolonged delay in the removal of fraudulent items from my credit report, despite multiple attempts to address this issue. The presence of these fraudulent entries continues to unjustly impact my creditworthiness and financial standing, necessitating urgent action from your agency. 

Since [ date of first attempt ], I have made numerous attempts to dispute and remove the fraudulent items from my credit report. Each time, I have provided substantial evidence and documentation to support my claims, including affidavits, police reports, and any other relevant information. Despite my persistent efforts, the fraudulent items persist, causing significant distress and frustration. 

The prolonged presence of these fraudulent items has had severe repercussions on my financial well-being. It has unfairly tarnished my credit history, making it challenging to obtain credit, secure loans, and access financial services. Furthermore, it has caused considerable stress and anxiety as I continue to navigate through the dispute process without resolution. 

Given the multiple attempts made to address this issue, I urge your agency to prioritize the swift removal of the fraudulent items from my credit report. Specifically, I request that : The fraudulent items be thoroughly reviewed and promptly removed from my credit report without further delay. 
A comprehensive investigation be conducted into the handling of my dispute, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar occurrences in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX  XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

A complaint was submitted in XX/XX/XXXX regarding incorrect reporting of late payments on my credit report. The response from XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is not following the rules of the Cares Act. As indicated in my original complaint, my payments are being reported as past due after entering into a payment modification relief program that is part of the federal Covid relief and in the state of Georgia called the HAF program. My loan was current at the time I entered into the program and was then reported as late while I was going through the approval process. I was approved for the program and my loan was modified and payments made to be current in XX/XX/XXXX. I am disputing the response from XXXX as they are not following the rules and limiting the protection of my credit as not being qualifying as I was not in forbearance. The definition of what mortgage assistance is included in the credit protection in the Cares Act is much broader and includes my situation as is defined specifically in the Cares Act and also specifically indicated on the National Credit Union Association website, https : //www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/summary-coronavirus-aid-relief-and-economic-security-cares-act, as follows : Credit Protection During COVID-19 ( 4021 ) : The CARES Act requires credit reporting agency data providers, including credit unions, to report loan modifications resulting from the COVID-19 pandemic as current or as the status reported before the accommodation unless the consumer becomes current. This requirement applies throughout the period of accommodation. Loan modifications may include, but are not limited to, forbearance and modified payments. This requirement applies only to accounts for which the consumer has fulfilled requirements of the forbearance or modified payment agreements. This protection is available beginning XX/XX/XXXX, and ends 120 days after enactment, or 120 days after the date the national emergency declaration for the coronavirus is terminated, whichever occurs later. 
Please correct my credit report with all of the credit bureaus to show all of my payments paid on time and never late including the payment of 30 days late for XXXX, 60 days late for XXXX, 90 days late for XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020 at the height of the pandemic. XXXX did Not apply funds that I paid during the pandemic. I have tried to dispute it and get the 5 months non payment off my report as it is inaccurate. Instead they transferred my loan without my consent and left the incorrect information on my credit plus new additional months not paid which is incorrect information by XXXX and showing on this report
Product: Credit reporting or other personal consumer reports

I have no knowledge of these inquiries. my data has been breached.
Product: Debt collection

XXXX XX/XX/XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Federal Trade Commission XXXXXXXX XXXX XXXXXXXX XXXX. 
Washington, D.C. XXXX To whom it may concern : I recently received my XXXX credit report which delineated an account that was unverifiable in XXXX, when I first disputed it ; however, the item was re-reported in XXXX, by National Credit Adjusters, XXXX XXXX XXXX XXXX XXXX, KS XXXX : the item reported by NCA to XXXX is a {$300.00} collection account called Speedy Cash. I was made aware of the reporting of NCA, XX/XX/XXXX, when I requested my credit reports from the 3 CRAs. NCA has never attempted to contact me. 
NCA, ( National Credit Adjusters ), has reported the account, which is also found on my XXXX and XXXX XXXX reports, as a Closed account, Retail, in CRA terminology, at XXXX. 

XXXX claims a Date Loss reported of XX/XX/XXXX, and XXXX XXXX reports the Date of loss as XX/XX/XXXX. NCAs reporting of the item, XXXX XXXX {$300.00}, violates the statute of limitations for reporting derogatory accounts : NCA is reporting a seven year old negative item, for 17 years at XXXX, by classifying it as Closed. 
The same item is being reported differently at all CRAs, by NCA. However, it appears that NCA is a reporting, not collection agency, for they have not, to this date, billed me in any manner. 

NCA maliciously placed this item, XXXX XXXX, in the Closed status at XXXX, so as to violate this consumer, and report the unverifiable XXXX XXXX, for 17 years. 
Further, NCA violated FDCPA XXXX, when I telephoned them @ XXXX, on XX/XX/XXXX, @ XXXXXXXX XXXX, PST, and spoke with NCAs representative XXXX XXXX I asked her to send proof of the debt, the original creditors address, and phone number for the creditor ; she, ( XXXX ) , hasnt responded in 15 days by mail or otherwise ; I believe she has 5 days to respond to a consumer, according to the FDCPA. XXXX has ignored the request, and therefore has no valid debt to report, or to collect. 

In conclusion, this complaint is asking that the FTC fine, for punitive damages, in the amount of {$1000.00} per violation, verified, delineated and described, above, from NCA for misreporting to the CRA ( 3 violations ), and violating the FDCPA ( 2 ), or a total fine of {$5000.00}. 

Sincerely yours, XXXX XXXX, XXXX. 
Enclosed : ID Verification, SS card, Bank Statetment, Voter ID, Drivers License