23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, I have been trying resolve a credit card dispute issue since XXXX with Kohls/XXXX and to no avail. I have well documented letters and credit reports showing how Kohls repeatedly failed to resolve and remove the derogatory account from my XXXX, XXXX and XXXX credit reports. I sent three separate certified letters confirmation delivered on XXXX, XXXX and XXXX. Kohls failed to add any dispute remarks to my credit reports within the 30 day time frames allowed by law. I have attached credit reports from XXXX, XXXX and XXXX dated on the day the first certified letter was delivered and again on the 31st day of the 1st letter being delivered. Kohl 's has never furnished the credit bureau 's with the required disclosure, within the period required by law. They are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute. I have very detailed documentation showing the certified letters signed for and delivered, time stamped copies of my credit reports showing that Kohl 's violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I just want this resolved and for Kohl 's to remove the derogatory accountfrom XXXX, XXXX and XXXX and all applicable credit bureua 's. Thank you for your help on this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first submitted a dispute to Equifax, XXXX, XXXX and a collection company called XXXX XXXX XXXX regarding account # XXXX back on XXXX XXXX claiming that I was not responsible for this collection and that it was not mine. I asked all 4 parties mentioned to verify the collection. I received an itemized list of alleged charges from XXXX XXXX XXXX that in NO WAY meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I Also received various responses from XXXX and XXXX claiming they verified the erroneous reporting on my credit file. I then asked XXXX and XXXX to provide me with complete description of ALL methods used to investigate my dispute as I am entitled under FCRA 611 ( a ) ( 7 ). XXXX and XXXX NEVER provided me with original documentation as i am entitled under section 609 ( a ) 1 ( A ) and section 611 ( a ) 1 ( A ). Therefore as you know, under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE ALL unverifiable information. 

XXXX XXXX XXXX just stopped communicating with me. 

Equifax despite 2 requests NEVER REPLIED ONCE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of purchasing a home for my family and it was requested by a lender to pull my credit reports. As part of the review I found there are inaccurate items and should not be on my credit report. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is NOT being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. I understand mistakes happen but this needs to be fixed because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 

Under 15 U.S. Code 1681 ( b ) all of the Credit Reporting Agencies are to adopt fair and equitable manner with regards to confidentiality, accuracy, relevancy and proper use of my consumer report. 

Id like for you to no longer traffic information from any lender to my consumer report because it is valuable with consideration to 18 USC 1028 ( d ) ( 12 ). I did not give permission for my payment history to transported to any company. Form SSA-89 was not used considering the form is only valid for 90 days. No consent equals identity theft according to 15 USC 1681a ( q ) ( 3 ).

Also, under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

The identified transactions are not information related to any transaction by me as the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : ACCOUNT NAME : XXXX XXXX XXXX XXXX  # : XXXX I also noticed there is a payment indicator history that conflicts with the payment status of the referenced account. This account is showing a charge-off multiple times according AND the payment history needs to be deleted from my consumer report. 


I have attached a copy of my Drivers License for appropriate proof of my identity. I am also providing a Billing Statement for address verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, XXXX and Transunion are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several complaints about late payments reporting inaccurately, to XXXX, EXPERIAN, AND XXXX I was never late. 
1.XXXX XXXX , ACCOUNT # XXXX is reporting a 30 day late payment for the month of XXXX After obtaining my payment record from my online account, it clearly shows no late payments. ( please see exhibit 1 ) 2.XXXX XXXX  ACCOUNT # XXXX I have contacted XXXX XXXX XXXX by phone and via mail, stating I was never late as reported on XX/XX/XXXX and XX/XX/XXXX I requested a record of payment from the first reported late payment, I was told they don't go back that far, so how can the account be verified? this doesn't seem right
Product: Credit reporting or other personal consumer reports

I have tried many times to get this violation of my right to an accurate credit file corrected. As seen in the attachment Capital One continues to report two charge offs as open on my credit report. These charge offs happened years ago yet show as if they happened last month. XXXX as well as XXXX continue to support this violation of my rights. I held these accounts for years in good standing until I was forced to retire. Even then I paid on time for XXXX more years until my saving ran out and I could no longer pay. The irony is my credit has recovered somewhat because I pay on time. I could have used Capital One again but cant and wont because of the vindictive nature of the company.
Product: Credit reporting

This complaint is filed against CoreLogic SafeRent, who has produced an inaccurate report that includes landlord-tenant cases filed by XXXX XXXX XXXX from XXXX XXXX through XXXX XXXX. Specifically, CoreLogic SafeRent is inaccurately reporting the court cases as " case filed and the claim amount '' when in fact all of the cases were dismissed because payment had been made. CoreLogic SafeRent is required by the Fair Credit Reporting Act to report accurate information. CoreLogic is violating the federal Fair Credit Reporting Act ( " FCRA '' ) by systematically and illegally reporting court cases that have been dismissed. Because of CoreLogic 's inaccurate reports, I have been denied housing since XXXX and have been forced to live with family members. I have been employed with the XXXX for 25 years, have a good salary, no open collections or late payments and a good credit score. However, none of these factors mattered when I applied for housing on XXXX XXXX, XXXX. The Management Company informed me that my credit score would warrant an approval, but they had to accept the decision not to approve based on the information that was received from CoreLogic SafeRent. For the sixth time, I have been denied housing based on the inaccurate court cases that CoreLogic reported. The inaccurate reports are misleading as it only shows the court cases as " case filed and claim amount '' which implies that the case is still open and the claim amount is still due. This is not correct and I suffered tremendously because of the inaccurate information. Had CoreLogic checked the court records, it would have realized that these cases were dismissed and there are no outstanding balances or money owed. I have faxed three disputes which have been ignored and no one has responded. Nor do this company answer the phone. I have not been able to get this resolved.
Product: Debt collection

XXXX of the XXXX : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

Proof of Authorization : If this charge is related to a contract or agreement, I request proof that I authorized this charge or agreed to the terms and conditions. Please provide any documents that demonstrate my consent or agreement.
Product: Vehicle loan or lease

I was involved in a non fault accident and advised the company of this in the beginning of XX/XX/year>2024. XXXX XXXX has received payoff from this accident for payment IN FULL on my auto loan and are still not only reporting this loan as open but have incorrectly reported my on time payments which greatly affected my credit score. Not only are they still threatening me with repossession AFTER they've been paid but they have deleted my account from their system which does not allow me to contact them further.
Product: Student loan

In XX/XX/year>, was given letter by XXXX XXXX servicer, Mohela, that I was placed in XXXX plan forbearance and there would be 0 % interest on my loans during this time. 

In XX/XX/year>, sent an additional letter stating my loans ARE accruing interest, and my total loans amount due now show interest accruing, when nothing has changed with my forbearance.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/XXXX  in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

A late payment was reported by XXXX XXXX to my Equifax and XXXX credit report on XXXX XXXX. I was never late on any payment with XXXX XXXX off the life of the account. I am an Authorized User on the XXXX. I would like for the late payment to be removed. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to update my phone number on my fraud alerts because i had to change my number due to receiving harassing phone calls. I have tried to contact XXXX, Equifax and XXXX   via the customer service numbers on their website but I keep being rolled back into an automate system. I need to speak with someone about changing my telephone number.
Product: Debt collection

On XX/XX/2020. They identify themselves as a law firm called GORDON AYLWORTH & TAMI P.C. which they are not. They are a debt collectors. Sent me a mail threatening me for garnish of wages jail time about a debt that was taken out in my name while my Ssn was compromise during XXXX Data Breach. This was something I sent in docs to the original creditor about and to this debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX  account XXXX XXXX XXXX Co, 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 states a consumer can not furnish an account without my written instruction
Product: Checking or savings account

I wrote a check and was holding it pending the repair of my car. The merchant took a photo to show I would pay upon completion but instead the merchant processed the photo as a check and Wells Fargo paid the photo despite telling them I had never tendered the check and it was in my possession. 

It was check number XXXX for {$2300.00}
Product: Debt collection

I was hospitalized in XX/XX/year> for 5 days, the medical bill came in the mail for {$45000.00} and they said I didnt have health insurance and thats why it was that amount but I did have health insurance. I have had XXXX health insurance for the past 4 years. I have tried to dispute it twice and explained to them that it was false because I did have insurance. They denied it both times. The companies involved are professional creditors phone number ( XXXX ) XXXX. The hospital is XXXX XXXX in XXXX XXXX, XXXX.
Product: Credit reporting

I am from XXXX XXXX, someone in XXXX was using my identity, he used my social security to acquire a cable service with XXXX under my name. I reported this to Equifax several times, recently this person was arrested, I submitted again a dispute and supporting documentation like police report and FTC documents, also the information of the officer who arrested the person who stole my identity, but Equifax refuse to delete that inquire. XXXX was aware of this since XX/XX/2015 but I recently reach them again to help me resolve the issue with Equifax.
Product: Payday loan, title loan, or personal loan

Wyndham XXXX is a money hungry company that does not care about their customers. I have tried to cancel my contract, contacted a lawyer, and stopped my payments for this company because I can not afford to pay them. I have not used their services in 4+ years. They refuse to let me cancel my contract, and instead they continue to have the loan open which is negatively affecting my credit score. They will not push the loan to collections and they will not allow me to cancel the contract without me paying them {$10000.00}, on top of the {$25000.00} I already paid them. The loan amount is getting bigger and continues to gain interest and late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have continually violated the FCRA and my rights from providing my credit report to unauthorized agents, to providing negative remarks on my credit report that are not factual, to stating that all accounts are paid timely one month to having 3 accounts with negative payment histories the next month with NOTHING CHANGING.

When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?

Reporting a debt as charged off, when it was settled or paid off.

Reporting late payments when your payments were timely.

Reporting old debts as new ones.

Reporting that an account was active after it was voluntarily closed by a consumer.

Failure to report that a debt was discharged in bankruptcy.

Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX  XXXX bankruptcy ). 
Inaccurate statement of balance due. 
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ). 

Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the XXXX and XXXX in similar surnames ). I have repeatedly sent my information regarding my correct name, address, and spelling on my name to no avail. 

Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas. 

Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft, which THEY DID NOT!!! 

Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial.
Product: Debt collection

I have sent multiple letters demanding debt be validated, no response. Creditor keeps assigning to new collection agency. Debt is for utilities in Texas. I was born and raised in California and never been to Texas. I am a senior citizen and they are engaging in elder financial abuse by refusing to validate the debt, give me the information surrounding the debt and refusing to answer my letters. They are reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I have been disputing my credit reports because I am a victim of identity theft. The disputes are not being processed according to the FRCA and the paperwork I am submitting is not being processed and attached to my disputes. I cant talk to an US agent on the phone and I have still not gotten copies of the verification process
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list below has violated my rights. 

15 U.S.C. 1681 Section 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 an account without my written instructions. 

XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX  Account Number XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX  Account Number XXXXXXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Number XXXX
Product: Mortgage

Re : PNC Mortgage Credit Dispute : Inaccurate {$40.00} delinquency reported from PNC Mortgage : Account Paid in Full, never closed, charges accrued, credits received, but delinquency reported and never closed or resolved properly from PNC. 

2nd mortgage ( HELOC ) PNC Contacts : XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX ( Escalations ) # XXXX XX/XX/XXXX XXXX XXXX PNC XXXX Branch Manager ( XXXX , Ohio ) XX/XX/XXXX XXXX XXXX 1 ( Escalations ) XX/XX/XXXX XXXX Regional Mortgage Loan Dept - At least 3 other contacts/escalations/complains between XXXX XX/XX/XXXX. 

Mistakes can be references based on the credits received on my account after the conversations were complete. See attached bank statements. 


To Whom It May Concern : Im asking for PNC to consider removing the delinquency reported on XX/XX/XXXX as I believe a mistake was made with my Equity Line of Credit account and was not managed, reported, advised and/or resolved correctly through the many channels, including the escalations department & branch management, after multiple attempts at PNC. 

The account was paid in full, in XX/XX/XXXX, based on the account statement daily balance. I understood this payment to XXXX  out my balance to {$0.00}. 

I was very proud of this moment as Ive paid this loan like clockwork for many years, as I do my many other PNC accounts, including my Business Accounts. 

Nonetheless, after each month of accruing balances, which turned into late fees, which then had more fees, I would call PNC to dispute these charges and each time, the representative, whether regional or from escalations/complaint department, sympathized in my situation and the nominal fees and charges were credited. Each time the representative understood my concerns and would fix, what I thought was the problem, my crediting or removing the fees, reducing my balance back to XXXX ( {$0.00} ) As these fees continued and as I thought each time, I was at a XXXX ( {$0.00} ) balance, I was not understanding that the fee continued and the account was still active, given the payments were all made and/or credited after inquiring with PNC. 

After multiple months of this, finally one individual within escalations was able to " officially '' close out my account and remove all payments and fees. 

In the meantime, a delinquency was reported for {$40.00}. 

Please see all supplemental exhibits showing my account statements with notes to help navigate the timeline and process. 

Please note, my family and I are lifelong customers of PNC ( formally with NCB ). My son, whom is now XXXX, opened an S is for Savings account this year. I also used PNC for my auto loan in XXXX. I have multiple other accounts, credit cards, business accounts and mortgages with PNC. 

I hope youll consider this loyalty and any other miscommunications with the subject account and realize having a delinquency, even at this nominal amount, has a major negative impact on my personal and business goals and does not reflect my dealings with PNC payments over the years, of which I keep a credit score around the 800s. 

Thank you for attention, consideration and immediate resolution with this matter.