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

To whom it may concern, Reason Code : Violation I have been informing XXXX in writing since XX/XX/XXXX about inaccuracies regarding a Public Record they are reporting on my credit report. They have failed to perform a proper investigation and continue to claim the Public Records have been verified as accurate and/or verified by XXXX XXXX a third -party vendor. This went on from XXXX through XXXX. 

Next, I received a letter from XXXX in XX/XX/XXXX stating the disputed items have been verified by the Credit Grantor ( s ) and that they will NO LONGER investigate unless I sent documents to support my dispute. Again, I sent them all information to support my dispute. 

Finally, they noted on my report that my dispute is not specific. However, Ive been very specific about this matter. I included a copy of the original dispute asking them how they verified this information because information regarding the Bankruptcy wasnt correct. A list of the errors has been outlined on numerous occasions, sent letters via certified/ signed receipt along with a copy of the credit report highlighted in yellow. After they kept telling me it was verified, I reached out to the Federal Courts via- telephone and in writing, asking if they furnished information to the bureaus about my public records and they informed me they do not confirm, furnish or verify public records with no one. The court mailed me a letter reiterating what they had informed me over the telephone. I then forwarded a copy of that letter, another detailed list of inaccuracies regarding the Public Records, a copy of my XXXX XXXX letter that also indicated my information was suppressed, a copy of my utility bill, drivers license and utility bill as proof of my residency. Regardless of what I have sent, they have not fully investigated this account. Im requesting this item is deleted from my report. 

Transunion is also in violation and continues to state verified. However, they report they sent me on XX/XX/XXXX shows the last date they updated information regarding my Public record disputes was XX/XX/XXXX. Again, I've been disputing for four months. 

XXXX s also in violation. Their report dated XX/XX/XXXX states the item remained unchanged from their processing of my dispute in XX/XX/XXXX. Again, I've been disputing for four months
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with Equifax on XX/XX/XXXX regarding a collection account that has been reporting since XX/XX/XXXX. I was unaware of this debt and specifically asked for verification. However, on XX/XX/XXXX they responded with a letter saying the account was verified with no supporting documents. 

I then submitted another dispute on XX/XX/XXXX asking again for any documentation verifying the account. They again responded on XX/XX/XXXX with an automated letter saying the account was verified. Again, with no documentation verifying the account was mine. 

I continued my dispute and sent my 3rd letter asking for verification for this collection account in XXXX, following their response. I again received a letter on XX/XX/XXXX stating the collection account was verified without any supporting documents verifying the collection. 

I continued to pursue Equifax demanding verification of this collection account and sent another letter on XX/XX/XXXX. I received a response on XX/XX/XXXX with the same letter stating the account was verified with no supporting documentation. 

This collection account needs to be deleted and Equifax is not being fair and abiding the fair credit reporting act. 

I can and will provide documents of my letters and persistence. However, the website will not upload at this time for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services is reporting a debt on my account that is no longer owed! I recently had my credit pulled and my lender notified me about a debt with them I needed to settle. When I looked into the account I noticed it was one that I paid off months ago! This account is causing my home buying process to be delayed and needs to be fixed immediately!!! Please remove this account from my credit report it is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX pulled my credit without my consent. 
I have tried to resolve this matter with the bureau and the companies, but was not successful.
Product: Credit card

A hard inquiry was made on XX/XX/year> by BARCLAYS BANK DELAWARE without my consent. 

Bank XXXX : BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 


Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} XXXX XXXX  XXXX {$2300.00} XXXX XXXX XXXX XXXX XXXXXXXX {$570.00} XXXX XXXX XXXX XXXX {$370.00} XXXX XXXX XXXXXXXX {$8800.00}
Product: Debt collection

I requested that Portfolio Recovery Associates validate this debt for a credit card from XXXX XXXX XXXX. I requested that the company provide the original contract, the contract between Portfolio Recovery Associates and XXXX XXXX XXXX, documentation showing that the company is registered to collect in my state of Alabama, the company 's registered agent 's name for Alabama, the company license number for Alabama, and the complete accounting record of all charges. The company responded with a letter from XXXX XXXX stating that Portfolio Recovery now owns the account and may contact me. THIS LETTER IS DEFINITELY NOT VALIDATION OF THIS DEBT. Portfolio Recovery Associates is required to have certain documents on file to legally collect on this debt including the original contract and the agreement between the two companies and the company must provide documentation proving that they are able to collect in my state legally. The company did not validate the debt as requested.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CONSUMER PORTFOLIO SERVICE failure to issue a Form 1099. I rely on this form to accurately report my income and fulfill my tax obligations.

I have made multiple attempts to contact CONSUMER PORTFOLIO SERVICE regarding this issue, but I have not received any response or the required 1099 form. Despite meeting the criteria for receiving the form under IRS guidelines, I have yet to receive it or any communication from the company explaining the delay or providing a timeline for resolution. 

This lack of compliance is causing significant frustration and could potentially impact my ability to file my taxes on time. 

ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I disagree with the account listed bellow which still appears on my credit report, even after your investigation. I would this immediately re-investigated. the inaccuracies are highly injurious to my credit score. 


TRANSUNION : XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX, account number XXXX in accordance with The Fair Credit Report Act, Public law 91-506, Title VI, Section 611.

Please provide the names business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Debt collection

Dear Sir/Madam : The below collection agency has been calling me about a debt that I am disputing from an apartment that I moved out of at the end of my lease ( XX/XX/2014 ). The apartment is in New York XXXX XXXX XXXX XXXX XXXX XXXX. 

I left my apartment on legal terms as I was supposed to at end of lease and left my new mailing address. I never received any mail or contact from XXXX XXXX at my new address advising that I had a debt to pay for apartment damages. I only received notification directly from this debt collector almost five months later ( enclosed ). The only evidence they sent me is an inspector 's checklist stating the damages, with no pictures. What rooms are the damages in? Even if they had shown pictures, this complex has XXXX residential buildings with XXXX apartments. It would be very easy for them to take pictures of any apartment. I know that I did not make these damages and I want to see pictures prior to me moving in as proof of damages. Also, as I explained to them, New York landlords can not charge for normal wear and tear, and these building are pre-war buildings from the 1950 's. My unit 's floors were original floors. XXXX also renovates EVERY apartment after a move-out so they increase the rent for the next renter. So it is my understanding that any " fix-ups '' needed would have already been done during a renovation. 

It is also my understanding that XXXX is very negligent to their renters. After receiving these charges from the debt collector, I received a 'Thank You ' card ( enclosed ) at my new address thanking me for renewing with XXXX. That shows me that they do not care for their residents to pay attention to the details and they did actually have my new address. They could have sent me these charges themselves so I could handle it directly with XXXX versus sending the charges directly to a debt collector. In fact, if anyone were to look at XXXX XXXX XXXX XXXX on XXXX, they would see how much debt they are trying to recover. This is just another reason why I think they are just trying to pinch every penny they can out of their residents. 

The collection representative, XXXX XXXX, has called me multiple times now and continues to harass me and speak over me making it a very frustrating call. He will not give me details on how I can dispute or when they would send my debt to the Credit Bureau. He only says it could be at the end of the month but he does n't know. 

Debt Collector contact : National Credit Systems , Inc . 
XXXX
Product: Debt collection

On XX/XX/XXXX, I was served a summons to appear in court on XX/XX/XXXX ( a court date that was more than 2 months prior to being served ) as I was being sued by Cavalry SPV I , LLC. I was  going through a divorce at the time, not knowing my rights as a consumer, & not wanting my pay checks to get garnished, I made payment arrangements on their website to begin paying off the debt. After my divorce was final, I began trying to clear up my credit. I realized that this debt was originally from XXXX & I had already paid them for it. However, I didn't realize at the time it was the one who received a judgement through the courts. I tried to dispute this debt & when they came back with the full copy of the judgement, I sent a check along with a letter agreeing to delete the derogatory amount from my credit report with the 3 credit bureaus. As you will see from the documents I am enclosing, I made the check payable for the FULL amount allegedly owed. Per their account statement to me, I allegedly owe {$2500.00} after previously submitting five payments of {$180.00} & one payment of {$180.00}. I wrote the letter & check on XX/XX/XXXX & sent it certified mail, which they received & signed for on XX/XX/XXXX.They have yet to cash it or contact me, all the while continuing to report over {$3200.00} ( see attached photo document ) on my credit report, with the amount rising each month. This is the only collection on my report & it is keeping me from buying a house. 
I am not sure what the hold up is, but I believe they are just holding on to it to keep reporting the derogatory amount. Just as they failed to give me notice to be in court, this company has shown complete lack of integrity.
Product: Credit reporting or other personal consumer reports

I would like to get a full validation of this account, including the originally signed contract with my signature if they can not verify the account according to the FCRA laws
Product: Credit reporting or other personal consumer reports

Please refer to the information attached concerning my information being exposed and used due to the Equifax Data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a letter asking for validation and it has been more than 30 days and they never responded and they reported the debt to XXXX. Failure to validate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past 8 months i have disputed my XXXX XXXX XXXX account and XXXX  XXXX XXXX account with EXPERIAN five times and always comes back verified. I requested method of verification and got no respond.
Product: Debt collection

Previously I had filed a CFPB compliant on this debt through from XXXX XXXX # XXXX that was originally a fraud more than 10 years ago that was sold to XXXX XXXX XXXX when I filed the compliant with the CFPB. XXXX XXXX XXXX and XXXX XXXX sent a letter apologizing for trying to collect on a fraud and making promises that the debt would no longer arise under my name. Now here they sold to another company to avoid legal ramifications for harrassment on a fraud over 10 years ago and dismissed. 

Now again they sold the debt to XXXX XXXX XXXX XXXX, act # XXXX and USI Solutions, Inc act # XXXX as I received a letter harrasing me for a fraudelent debt over 10 years ago that has been dismissed multitple times. Please punish these forms and banks that sell the debts to collection agencies to avoid penalty and legal ramifications. Please file a class action suit against these forms for harrassment on debts previously dismissed and resolved over 10 years agoe
Product: Mortgage

On XX/XX/XXXX I was sent a payoff quote until XX/XX/XXXX of {$140000.00} by Ditech Ditech was paid XX/XX/XXXX Mortgage in the amount of XXXX on XX/XX/XXXX. 
On XX/XX/XXXX, I closed on the sale of my home. 
At the closing on XX/XX/XXXX, I was required to pay Per diem of 3- 10 days@XXXX/ per day. 
On XX/XX/XXXX Ditech was notified via fax regarding refund of overpayment and requested when would refund would be received On XX/XX/XXXX my principal balance per Ditech intranet website reflected {$140000.00} On XX/XX/XXXX, Ditech responded they still note my account to be active and I required to pay my mortgage amount of {$750.00} on XX/XX/XXXX payment The attached correspondence was sent, and I have yet to hear back from Ditech XX/XX/XXXX, the new servicer XXXX XXXX contacted me that would now be servicing my loan with a new mortgage company and that my payment was required to be sent to them. I notified them that my home was sold on XX/XX/XXXX and that the required per diem and XX/XX/XXXX mortgage was paid to Ditech. 
To date XX/XX/XXXX I have not received notification from Ditech regarding my refund of overpayment, Ditech has not notified the new mortgage company of the loan being paid. 

In close, the new scam with bankers is selling mortgages to other companies. I have made it a practice to do ALL correspondence with Ditech in writing and record all calls to them, based on their mishandling of my funds over the years and no help from the CFPB. So now you are involved know the story what are you going to do? Nothing as usual or actually advocate for the consumer which is what I thought your company was created for Ill wait to see! 
XXXX XXXX
Product: Student loan

On XX/XX/2020, I informed Discover that I would not be able to make my student loan payments due to being without an income as the grace period ended. I did complete two payments but was laid off shortly after and informed them right away. 

I was told that I needed to call a number to report my request to defer payments. I replied promptly that I am XXXX and unable to verbally communicate. I was not offered an alternative accommodation to request this. This has continued for months. They have no reported this on my credit report and put me under default.
Product: Student loan

Hello. I have written around 4 or 5 letters to AES XXXX American Education Services ) concerning this issue and I hope that you can help. I am a healthcare provider with a spouse who lost his job due to the COVID-19 pandemic. Despite this, although struggling to make ends meet, I have managed to make my monthly payments. I am in a property with rent payment that is {$2300.00} a month. This takes my entire paycheck. We are finally in the process of finding a home to buy and are building. It will give me a much cheaper monthly payment. We are a few weeks from closing and I received an alert that my credit score had dropped XXXX points due to a negative remark from AES XXXX I was XXXX days late on my payment. I was totally unaware. I thought the bill was paid after I was fraudulently tricked into signing up for a loan consolidation program. My account was hacked by this company, I had to get new debit cards, and on top of that, I did not have access to my email for a while. Usually when a bill is late, AES will contact myself or my coborrower. I have yet to receive any phone calls reminding me to pay and did not receive emails to remind me. I immediately paid the bill to get the account current on XX/XX/2021, the same day I found out, in the amount of {$150.00}. I then signed up for automatic withdrawal to avoid this. I called AES and they said they could not reverse the negative remark but I could submit a dispute. I asked for a good faith reversal via letter and have been denied 4 times. I receive the same response with no elaboration, despite not being contacted by phone per policy. Even when I logged on to pay the bill, there was a warning to pay right away to avoid the account being reported to the credit bureau. Oddly, not fair as the warning was there, but they had already reported me to the bureau with little effort to contact me or the coborrower. I know it has to be reported, but the credit bureau said I could still request a good faith reversal. I advised AES that this occurred and has dropped myself and my coborrowers credit score. That same coborrower, my Mother, was willing to help me get the home due to the negative remark, but it is now on her credit report as well. She was not contacted by AES prior to this happening. I will be XXXXXXXXXXXX  as this will now prevent me from purchasing my home and we have already ended our lease. I ask and beg that you please help me to resolve this as we were set to close in 1 month. I have young children and an ill husband and parent. I have signed up for automatic payments to show my good faith, and the first automatic payment of {$76.00} was withdrawn on XX/XX/2021. It is not fair that I be penalized when I was never contacted by phone about the account being late, and my coborrower was not called as well. I can provide phone records to prove that I was not contacted. The account is current. I only ask that the negative remark be reversed so we can purchase our home. Please help. God bless.
Product: Credit reporting, credit repair services, or other personal consumer reports

transunion, and XXXX dropped my score 85 points after being stagnant one week.also XXXX  let my info get stolen.i also would like to know why these companies have any right to my info in the first place i do not remember giving my permission? please explain this.i contacted the they had no good reason why my score dropped except i went stagnant, when i asked why one week was sufficient to them to drop my score 85 points i got told that if i was basically in debt it wouldn't of happened.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REC ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF MO XXXX XXXX OF MO XXXX XXXX XXXX XXXX TXXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

Discover # XXXX this account has been charged off which means the creditors nolonger feel they can collect this debt, therefore it's has been written off on there taxes, and they absolutely refuse to send me a 1099-c form because this is now become taxable income which it's UNLAWFUL TO REPORT ON MY CREDIT REPORT!!