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

This is my 3rd attempt at trying to resolve this matter with XXXX. XXXX refuses to update inaccurate and misleading information on my credit report. Due to the multiple number of accounts listed with this servicer, the reporting of this erroneous information has caused me missed opportunities for lower interest rate opportunities as well as caused me great stress, strife and anxiety trying to communicate and appeal to the servicer to adhere to the FCRA advisory opinion which is attached and thus states : " Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies ( " CRA '' ) such as credit bureaus. In particular, this section requires a person that " has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to " promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. ( 1 ) Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. '' XXXX failure to update the CRA of the RETROACTIVE forbearance status that ultimately corrected the late payment history is a direct violation of the FCRA Section 623 ( a ) ( 2 ) as well as Section 607 ( b ) which should promptly be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempt. My next step is to hire. Frca attorney, the law is for all medical bills under 500 be remove from consumers credit report. It clearly stated on Equifax website. Remove all medical bills off my credit report immediately. 

The law. 

Two-thirds of medical collections on credit reports will no longer be reported. Starting in 2023, medical collections tradelines less than {$500.00} will no longer be reported on consumer credit reports. Medical bills under {$500.00} are significantly more likely to remain on a credit report for longer than medical bills over {$500.00}. For patients and families who have only relatively small outstanding medical bills, the {$500.00} threshold could mean a large reduction in coercive credit reporting.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information, credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic systemic issues such as failing to forward consumer - provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed Disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as experience in action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I looked on my credit report and I noticed some inaccuracies. I sent a letter to XXXX on XX/XX/year>, to investigate these accounts ( XXXX ). I sent certified mail. They sent me their investigation and said those accounts were accurate. And according to 15 USC 1681i ( 5 ) I see it states after reinvestigation under paragraph ( 1 ) of any information disputed by consumer, an any item of information is found to be inaccurate or incomplete or can not be verified. The credit bureaus did not reinvestigate and violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXBalance : {$0.00}, XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00}, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Student loan

My school misconduct application was approved, but I was not refunded the amounts paid into those fraudulent loans. I would like a full refund of all money paid into the loans that were XXXX due to school misconduct. I was given a refund of all amounts paid into my federal loans from the same school via the XXXX vs. XXXX lawsuit and feel that the same actions should be taken by Navient as well. I have documentation of all amounts paid and can provide them should they try to say they do not have this information available. I have screenshots from their website before the loans were XXXX as well as bank statements showing all payments made to Navient on those private loans over the past 14 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an online alert that XXXXXXXX XXXX XXXXe pulled my credit report. I have a active fraud alert, requiring a phone authorization for any credit pull or account opening. I didn't receive a phone call from XXXX. I wrote Transunion a request for documentation or deletion of the inquiry from my credit report. I called Transunion to follow-up on the letter and was told I needed a letter from XXXX. XXXX said they don't have such a letter and to dispute it through the credit bureau. I want this inquiry deleted from my Transunion report if they can't uphold the fraud alert and provide authorization documentation.
Product: Debt collection

Submitted financial affidavit to debt collector as in response to a civil action in XXXX County Superior Court which collector had brought against me. 

Debt collector contacted me by telephone on XX/XX/2021 and : * lectured me about civil court procedure and that the judge would not " look kindly upon '' the motions I had filed in response to a missed appearance. 

XXXX accused me of lying after I provided a detailed explanation of why I did not have income ( resigned a job under duress after learning of a conspiracy and estate fraud which is currently under investigation by the FBI ). 

* threatened to inform the judge presiding over the matter of my " excuses '' for not paying the debt. 

* stated that he " believed I was just the type of person who chose to run out on his debts ''. 

At this point I informed the debt collector that I had no objection to him notifying the judge of my circumstances, and terminated the phone call. 

Following the phone call I sent multiple emails to the debt collector which included : XXXX copies of a restraining order I had applied for against my previous estate attorney as a result of the estate fraud and criminal conspiracy against me. 

* written request for copies of the recording of the phone call which had just occurred. 

No responses by email, phone or other medium were ever received. Later that day the debt collector filed a motion objecting to my motion to vacate an arrest warrant and bail.
Product: Credit reporting or other personal consumer reports

**** Human manual review only, No automated system please. Be compassionate **** Please see the issue where you all reporting that the details of the XXXX XXXX, XXXX show that there is no first date of delinquency or late payment however when I click on payment history you all are reporting late payments. XXXX has it as 60 days late in XX/XX/2022, XXXX  90 days, XXXX 120 days, then XXXX 90 days. Any reasonable person can see that this cant be correct! Then Experian and XXXX has it completely different. They are not even consistent with what they report to you all. They can not be trusted to be fair and accurate as FCRA requires. Please see the attachments. If there is no date of first delinquency because I have never been late. The manager at XXXX XXXX has some personal issue against me and keeps violating FDCPA laws to keep false reporting back to you all confusing details of a late payment that never happened. I have paid off the balance on this account and this record needs to be deleted because its clear that this creditor is not committed to following the consumer protection laws regarding their reporting. You keep following what they say instead of deleting this as the law requires. You all keep saying things are verified then I dispute showing incorrect information then you all update things. You all need to delete this record. There system is clearly wrong since it cant even report a delinquency date and cant even report the same to all credit reporting companies. There should be no red for any month indicating any late payments! There should only be green check marks to show that there were no missed payments. You all keep making inaccuracies on it. They are not supposed to even report any late payments to to federal laws that were passed for that time. Credit reporting companies are required to comply with the law, by deleting these late payments or removing the accounts if the creditor keeps ignoring the law and fail to comply with reporting restriction. Asking them to keep this verify and automatic reporting loop going is just wrong and illegal. I am suffering because your personnel or the systems they use are constantly presenting false and inconsistent information to the public. You all will be held accountable for violating my rights! Just delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Somebody used my information to obtain an apartment in my name. I have reported it to the apartment complex, the collection agency, police department, Federal trade commission, and reported the apartment complex and collection to cfpb. The collection agency has not provided me any documentation with a physical signature a picture ID, or even a collection letter. I have provided everything to the collection agency without even a written response from them. I have provided my information and all my documents to Transunion XXXX XXXX and they will not remove this information from my credit report.
Product: Debt collection

Actually, this has been going on for years. Probably 5 years. 

They called consistently and I finally blocked their calls so I have no idea if they are still trying. They claim I owe over $ 27k but I have no idea why. I checked my credit report and this debt is not listed anywhere on it. Never was as far as I can tell. I finally wrote them a letter explaining that there is no connection to my credit and their debt. The amount is off the wall. So they wrote back and said they couldn't do anything about it or something without more information from me. So I ignored that as well because it seemed like they were trying to get me to pay on something I don't owe. Quite frankly I have been ignoring their letters since then because there is no connection. 

So the other day I get a letter from them saying I could write you if I had a complaint. So that is why I am writing you. I would like these people to get me off their radar because they are very irritating and just wrong. 

I don't have a scanner to upload a copy of their latest letter regarding how to report my complaint. I can give you an account number if you need it.
Product: Debt collection

randomly i get this call saying i owe XXXX $ to this company when i in fact DO NOT. only time i have gotten any kind of XXXX XXXX are from my l and i claims and these guys have reportedly abused trying to call me. i am a XXXX  father to a beautiful XXXX year old and don't have time for this nor can i afford a ding on my credit i tried reasoning with them and they have said basically " NO YOUR GOING TO PAY US '' and at that point i have hung up and whenever i answer my phone and it is them i hang up on impulse because i know my truth 's and they harass me to the point of breaking and its the fact they wont try to negotiate anything.. i believe this to be true and sworn by XXXX XXXX on XX/XX/2021
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability ton obtain credit .It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate XXXX XXXX XXXX account number XXXX
Product: Credit card

This is my Caesar Reward Visa account which I have tried at least 6 or more times to clear this matter up and it keeps on getting no where Every time I call I get someone new and have to repeat the same thing over again. Finally got someone that realized what happened and was going to contact me. Well the bank was closed and they left a message and I called again. They could not give me to the correct person. 

I even sent a letter explaining to them that there had been a mistake made on this Power of attorney and request that they removed the Power of Attorney. They removed it and then set up a Seize and dismis on my account again. 

This is very frustrating and I have very good credit. 

It seems that they do not care
Product: Credit reporting or other personal consumer reports

XXXX, XXXX 2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Dear Sir or Madam : I am writing to dispute the following information in on XXXX XXXX Experian credit file. In Accordance to 15 USC 1681b a ( 2 ), I did not give written consent to have this account placed on my report by this agency. Please remove this accounts immediately, as my rights are being violated. 

Please update me, when this item is removed as soon as possible. 

Accounts and Information violating my rights that I wanted removed. 


Account : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX USA Sincerely, XXXX XXXX Enclosures : Im enclosing my Drivers license, social security card and a current utility bill to verify my identity and address.
Product: Student loan

To Whom It May Concern, I am writing to formally express my concerns and dissatisfaction regarding the improper management of my loan account with XXXX XXXX. Prior to XX/XX/year>, I had never interacted with your company, yet I recently received a notification from the credit bureaus stating that I am delinquent on a loan under your management. This came as a complete surprise, as I have never received any prior communication from your institution regarding this account. 

Upon further investigation, I discovered that your company has outdated and incorrect contact information on file. The phone number listed under my account has never been registered to me, and the address on record is XXXX that I have not resided at for over XXXX years. Additionally, I have never received any contract or documentation outlining my obligation to your company, making this situation even more concerning. 

On XX/XX/year>, I called your customer service department to address these discrepancies and express my dissatisfaction. During this call, I requested to speak with a supervisor due to the severity of the issue. However, the customer service representative I spoke with responded unprofessionally by chuckling at my request before placing me on hold. After holding for approximately XXXX minutes, the call was disconnected without any follow-up or resolution provided. 

Furthermore, during this call, I also requested to pay the full past-due amount immediately to resolve the delinquency. However, due to the agent disconnecting the call, my request was not fulfilled. As a result, my account remains in a delinquent status, further affecting my credit standing due to no fault of my own. 

This experience has raised serious concerns regarding your company 's handling of my account, its failure to properly notify me of any obligations, and the lack of professionalism displayed by your customer service team. As such, I am requesting the following actions be taken immediately : A full and detailed written explanation of this loan, including all relevant documentation and a breakdown of how this delinquency was determined. 
A correction of my contact information to ensure that any future communications are sent to my correct and current address, email, and phone number. 
A formal response addressing the unprofessional behavior I experienced from your customer service representative. 
Immediate arrangements to allow me to pay the past-due balance in full, as I originally intended during my previous call. 
Prompt updates to my credit file to reflect the resolution of this issue and removal of any negative marks that resulted from this mismanagement. 
Confirmation that my concerns are being investigated and what steps will be taken to ensure such mismanagement does not occur again. 


Please direct your response to my contact information listed above. I appreciate your immediate attention to this serious matter and look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I mailed to Equifax a Dispute letter asking for method of verification for a fraudulent account reporting on my credit under XXXX XXXX for {$3800.00}. They have no responded to this letter within the 30 day time-frame, nor have they updated me on a status. Action I want taken is this account to be removed immediately.
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 rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXX, XXXX XXXX # 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 other adverse item of information, other than records of convictions of crimes which antedates 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 card or prepaid card

I recently found a US Bank MasterCard gift card I had purchased about two years ago. I tried to use it on XX/XX/20, and the charge was denied. I noticed on the front of the card it had expired in XX/XX/20. I went to the website listed and was told to call an # XXXX number. I called the number, entered the card number and three digit pin and was told I would be transferred to a representative. The call was transferred and I heard another message saying, " Due to Covid-19 wait times are longer. '' The call then rang as if I was being transferred, but after one ring the call  disconnected. This has happened repeatedly since XX/XX/20.
Product: Debt collection

I have repeatedly been harrassed by ProCollect in XXXX, Texas for an amount that they say I owe for an apartment. I have been sent to collections for an amount due for XX/XX/XXXX. I have not lived there since XXXX and have tried contacting them in XX/XX/XXXX to fix this issue but the agent refused to communicate with me and answer my questions. I believe they are using false information against me.This collections account is seriously affecting my credit and they are being negligible in the way they are handling it by not providing me with a notice or settlement option.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Mortgage

When making a loan with a down payment of less than 20 %, an additional cost called the PMI was included and a charge of {$220.00} per month ( as additional insurance ) 4 years ago ( XXXX ) I made an investment of {$100000.00} in a new building on the property. Which considerably increased the value of it and 1- Two years ago ( XXXX ) I paid for a home appraisal to evaluate and eliminate the amount of {$220.00} from the PMI. 
I requested a list of certified home appraisal companies by the bank so that I could choose the company and they arbitrarily sent a home appraisal that I evaluated in favor of the bank and the number was below and they denied the request to reduce the {$220.00} A copy of the assessment, the calculations and a letter was requested because he had refused and they never sent it. 

2- Since XX/XX/XXXX I have called twice requesting the bank : A- overpayment reports in the escrow account B- Debt balance analysis with the assessment for the elimination of PMI {$220.00} always indicates that they are going to be sent to me and they never send it. 

Comment : The payments issued in the two years have already reached the estimated total of 80 % of the appraisal of 2 years ago. In addition, the property acquired value in those two years with a community of around more than 3000 new houses. I do not see that the bank has the intention to evaluate this request and looks for excuses not to eliminate this additional charge of {$220.00} If i am wrong just we need the paper to explain to me the calculation. the the bank have the responsability to show me that document from the beginning.