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

On XX/XX/, I sent a letter regarding inaccurate and unknown items on my credit report. I have also continually called them via phone. But p until today, I have not received a response yet. I feel like I am being take advantage of and my dispute is being ignored. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 30 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress and embarrassment it has caused me. My information was also impacted by the Equifax Data Breach and may have got into the hands of the wrong person. Additionally, I have asked all the credit bureaus to verify this Bankruptcy and they sent back a letter stating it was verified with the courts. I then asked the courts if they verified information and they sent me a letter stating that they in fact DO NOT verify information. I have asked all of the bureaus how did they verify the bankruptcy and they have failed to send me proof.
Product: Debt collection

XXXX XXXX XXXX amount of {$460.00}. Requesting validation of of how are they reporting a collection with a past due balance on my credit report. Not providing a proof of validation is under FCRA is a violation and must be deleted for inaccuracy.
Product: Credit card

Apple Card - Account number : XXXX ive had this card for several years never missed a payment on this card may so payments on it. Try to set up auto pay. Nobody at Apple could assist me with it. I made payments on the account when they were due come to find out that the payment wasnt going through. Nobody notified me about it tried to contact someone it took forever to reach someone then they reported a late payment on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XXXX/XXXX/XXXX TRANSUNION In response to Consumer Bureau : XXXX To Whom It May Concern : This serves to notify you on the inaccurate information on my credit report as per your file. purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 
XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company have not removed the negative item I have fax affidavit to show my identity was compromised XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX N/A XXXX XXXX DEP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted them they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that your company is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit Its ashame that your company is using blunt tactic in falsifying me of my rights XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Woke up today ( XX/XX/2022 ) to an email saying an account was opened with Bank of America in my name, i contacted the bank and they closed the account but they werent able to give me any information. Im worried they have my social security number
Product: Debt collection

NCB MANAGEMENT SERVICES stated that I obtained a loan from XXXX XXXX XXXX XXXX on XXXX XXXX in the amount of {$1800.00}. I have never received said such loan. I was a victim of fraud and have tried to explain that to the collection company, I have asked them to validate the debt, and they have never provided me validation. NCB MANAGEMENT SERVICES only wanted me to send them a copy of my drivers licensee. I'm not understanding the law. How can people just get my information open up accounts and I have pay for this. I need to have this addressed. I continue to dispute the account and they say it's my account. they have called an harass me about the account and would never provide me a contract of the debt..
Product: Debt collection

Wayfair was notified on XXXX XX/XX/2020 to cease & desist ( 15 USC 1692 c ( c ) ( 1 ) ( 2 ) ( 3 ) all communications and you continue to ignore federally mandated consumer protection laws. You failed to validate this alleged debt that is inaccurate ( 15 USC 1611 ( 1 ) ) nor did you ever receive written consent to furnish information on my credit report which is also a violation of my federally protected consumer rights. You continue to send a bill for this alleged debt which is a violation of 15 USC 1692 b ( 2 ). Wayfair continues to harass me by sending bills after they received a cease & desist order and is a violation of 15 USC USC 1692 D. You have also failed to communicate on the attached bill that this is an attempt to collect a debt which is also a violation of 15 USC 1692 e. The alleged debt you are attempting to collect is also a violation of 15 USC 1692 F ( 1 ). Pursuant to my federally consumer protected rights 15 USC 1692 J, by Wayfair continuing to report this alleged debt on my consumer credit report to the 3rd party credit reporting bureaus is also a violation.
Product: Debt collection

XXXX Re : Original Account No. : XXXX Original Creditor : Great Plains XXXX 
Reference Number : XXXX XXXX XXXX XXXX has threatening me with criminal charges if I do not immediately pay on this debt. They have called multiple family members from unknown and blocked numbers stating that I have " serious legal matter '' and to contact them immediately. When I returned the phone call I was told that they would be filing criminal charges for check fraud, up to 2 years in jail. They have also represented themselves as process servers and employees of XXXX XXXX where I live. They asked for a debit card number over the phone and no options for a more secure form of payment or guarantee that I am paying a debt they actually hold in their office that I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax reporting agency. I submitted for request of Equifax method of verification for a disputed debt that was verified by Equifax. This request was submitted on XX/XX/XXXX. According to the FCRA section 616, the credit reporting agency has 15 days to supply a consumer with their method of verification for accuracy of a debt. As of XX/XX/XXXX, I have not received any documentation from the above credit reporting agency. 

I am requesting for Equifax credit reporting agency to be investigated for not complying with consumer rights, with providing a consumer with documentation of their company method of verification of a disputed debt. 

The company in which was requested for method of verification is as follow Creditor : XXXX XXXX/ XXXX XXXX XXXX Bank account number XXXX amount {$3500.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX In summary, I have resolved this issue XXXX  as well as XXXX Credit reporting agency . However, Equifax has continued to report this derogatory information in my credit file without providing me with an explanation of their method for verifying any accuracy to alleged debt.
Product: Debt collection

They are saying that hospital bills and the dates that they are giving I was not living in Louisiana and 15 USC code 1681a and I would like this to go to XXXX, XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt collector is attempting to collect an alleged debt that is listed under the original creditor on my profile. If this alleged debt has been sold, then XXXX XXXX XXXX would need to remove their reporting like of credit as duplication of account reporting is inaccurate and a violation of the FCRA. 

I have attached the correspondence from XXXX XXXX, and the reporting of XXXX XXXX on Transunion, XXXX, & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. please remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XXXX, Bank of America fraudulently induced me to open a XXXX account without disclosing that if the account dropped below {$300.00}, a {$5.00} fee would be incurred. I only signed documents and received disclosure forms for opening a checking account. When I confronted the branch about the fee and asked for proof that I was provided knowledge of and consented to the {$5.00} fee, I was shown a document that contained a fraudulent signature. I believe in an effort to convince me to open a XXXX account, BOA intentionally concealed information concerning the fee and falsified documents. Please provide to CFPB the signed documents associated with the opening of my savings and checking account.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to DISCOVER BANK for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Debt collection

I moved out of my old apartment in XX/XX/XXXX and paid the final electricity bill for that month through XXXX. I received phone calls from Firstpoint Collections starting in XX/XX/XXXX and XXXX XXXX that I hadn't paid the final meter reading to XXXX and that it has been sent to collections. I lost access to my XXXX account in XXXX when the apartment 's utilities were taken over by the new tenant, so I was not able to see the bill and did not receive any form of notice regarding this meter reading until the collections agency called me. 

When I spoke to XXXX, they accepted responsibility for the mistake ( they shut down the account and autopay even though its supposed to stay open before the last payment ) and said the payment issue would be sent back to claims to be scrubbed, and many others dealt with the same issue due a change in admin systems. XXXX said they will communicate with FirstPoint to resolve the issue. 

I got called again by Firstpoint Debt Collector today ( XX/XX/XXXX ) saying they will use any information they can to collect the debt. 

That same day I called back XXXX and relayed the information that from the last call, it was an issue on their end that they accepted responsibility for. However, now they were saying that once again it is my fault for not paying the bill that I physically and digitally never received, or never received notice of a billing until I got a second hand one from a sketchy debt collector text.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX CFPB ) Complaint** Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, IN, XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Complaint Against Experian for FCRA Violations To Whom It May Concern at the CFPB, I am filing a formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), specifically **15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). Experian has failed to maintain accurate information, properly investigate my disputes, and remove unverifiable or incorrect data from my credit report.

Details of the Violations 1. Failure to Conduct Proper Investigations - I have sent multiple dispute letters to Experian regarding inaccurate reporting of an account from XXXX XXXX ( Account # XXXX ). 
- Despite my disputes, Experian has either failed to investigate properly or has continued to report incorrect and inconsistent information, in violation of 15 U.S.C. 1681i ( 5 ).

2. Inconsistent and Inaccurate Account Reporting - Experian lists the account as " Paid, was a charge-off. '' - XXXX and XXXX have reported different statuses for this account. 
- The discrepancies indicate a failure to maintain accurate reporting, violating 15 U.S.C. 1681e ( b ).

3. Failure to Remove Unverifiable Information - Experian has not provided verifiable proof from the creditor to support the disputed account 's accuracy.

- According to 15 U.S.C. 1681i ( 5 ), if information can not be verified, it must be deleted. However, Experian continues to report inaccurate information. 

4. Mismatched Last Payment Dates - Experian reports my last payment as XX/XX/XXXXXXXX XXXX 
- Other bureaus report different dates for the last payment. 
- These inconsistencies further demonstrate Experian 's failure to ensure the maximum possible accuracy of consumer reports, violating 15 U.S.C. 1681e ( b ). 

5. Recent CFPB Lawsuit Against Experian Supports My Claims - The CFPB recently filed a lawsuit against Experian for failing to properly investigate disputes, reinserting errors, and threatening consumers access to credit, employment, and housing. 
- This demonstrates a pattern of noncompliance by Experian, which I believe applies to my case as well. 



I appreciate the CFPBs attention to this matter and look forward to a resolution. 

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

I took out an auto loan with XXXX XXXX XXXX XXXX in XXXX and ran into trouble paying all of the debt. A small balance was left and the lender agreed to write it off and update the credit agencies as 'settled ' The lender merged with another organization and in XX/XX/XXXX the outstanding amount of the loan was re-activated and added to my credit file as 'in collection / derogatory ' I have been trying to apply for a mortgage and was made aware of the change to my credit file during this process. 

I also received a letter from my credit card company advising me that, due to a change in my credit file, my credit limit would be reduced. 

Because of the inaccuracies in how this lender reported to the credit agency, I have suffered financial losses and was denied a mortgage. 

I tried to resolve this directly with the lender and credit agencies, but the agencies contacted the lender and were told 'the filing is correct ', so Trans Union etc were unable to remove the remarks from my file. 

Below is the evidence of my email conversation with the lender where they confirm the debt was settled in XXXX and that their system has reported the loan as settled. 

Please note the comments from the lender : **From : XXXX XXXX XXXX Sent : XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX To : A XXXX XXXX Subject : RE : XXXX XXXX That information may not be updated.

This is the way our system is currently reporting it** I believe they are reporting incorrectly to credit agencies and this may be affecting multiple customers. ( please see earlier emails about how they reported personal loans as mortgages ).
Product: Debt collection

XXXX XXXX XXXX XXXX took me in the ER. I had an XXXX  which I had paid for seperately. The doctor did do blood work. Before I went in I requested a good faith estimate which was sent to my email. I paid the XXXX  in full. 

The hospital came up with insane charges like XXXX which I don't have XXXX nor received XXXX. And charged me over XXXX I even paid my doctors bill seperately. The XXXX  and doctors bill were both around XXXX $ I repeatedly called them for months upon months and recorded all convos. Every time they assured me I owed nothing, and every time a few weeks later a bill would show up. 

I contacted the federal government about my good faith estimate, I won my case as long as I paid in a certain time frame. 

The company I worked for had a charity and paid on my behalf since I was struggling. 

They received a receipt which I still have. I have the receipt and the federal letter I won my dispute. 

I made a final phone call recorded again they again assured me that I did not have a balance. 

I'm not sure at that point why I thought it was finally over. 

No more bills came Instead the criminals sent my " bill '' which had been paid in full to a creditor. 

The creditor in particular WILL NOT answer the phone and there is no way to contact them. 

I sent disputes through XXXX twice. Even after seeing all my documentation experian found in favor of the creditors. United Collection Bureau is the name. My next step will be to print a copy of my documents and try to mail them since they do not have a way to communicate with them. 

I believe XXXX XXXX 's XXXX is aware and are criminals. My guess is anyone self pay gets billed incorrectly, and they are taking advantage of the huge population of homeless in XXXX, Arizona. I am not homeless but see ot daily. 

I also felt VERY harrased with the lies and bills and also decieved several times. They are committing fraud. I really need help with this, because I have done EVERYTHING you can imagine and it's like they are all ignoring facts.
Product: Mortgage

i bought a house XX/XX/1981 and my mortgage has changed companies 10 or 12 times and i had nothing to do with any of them. now HFC has sold it again. i need some answers because I 'm through being the cash cow for this mortgage institute in America. I 've written and talked to HUD, the justice department, counselors and attorneys and all i got was smoke. people just do n't care about people. i hope this lead is more profitable. 
first, i started with a principal and interest mortgage. i thought i was getting an equity loan from HFC and it turned out to be something else. two or three months later I found out it was something else. they had changed my loan to what i called a credit card loan and would n't give me an amortization schedule. 
my first question is this. was that action within the laws of the mortgage laws of the state of Tennessee. please qualify your answer. 
my second question is this. is it legal for them to just pass a person 's mortgage around without giving them any paperwork on the transactions or getting any signatures on the transfer. again please qualify your answer. 
my last question is this. i can understand when a new company changes an account number but why does the same company continuously change a person 's account number. 
I have n't understood the way HFC has handled my account since i got it. i ca n't keep up with it. 
last, if this is the right place to get some qualified answers ; thank you. if not, point me to the XXXX of the mortgage industry in Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681. Section 602 A. States I have the right to privacy.

15 U S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any adverse item of information other than records of convictions of crimes which antedated the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I believe this account is no longer be accurately reported, is outdated, closed, charged off or does not reflect my current financial status.