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

On XX/XX/2024 I contacted Experian in reference to inaccurate information being reported. I spoke with XXXX XXXX  XXXX and let her know I mailed and uploaded proof that is compliant with federal laws that govern Experian and their reporting habits. She reviewed the documents on file and proceeded to tell me my proof wasn't sufficient because it doesn't matter what they're reporting to any of the bureaus ( even though none of it matches ) or what information I send as proof of a completely inaccurate account because whatever the furnishing company verifies is deemed verified according to their " internal policies ''. I have proven that a proper investigation hasnt taken place according to federal law and provided proof of the inaccuracies. Simply matching a name, address, ss #, dob, ID # etc. is not proper verification.

My rights have also been violated in accordance with 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have not given written permission for this information to be furnished and that is a direct violation of the FCRA I confirm that the information reported is inaccurate and untrue.

P.L 90-321 ( 82 Stat. 146 ) which is a law that further supports my complaint as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ).
Product: Debt collection

I receive a summons from court from Portfolio Recovery Associates XXXX. The company has a very aggressive collection tactics. I do not owe the balance. I did not know of the situation until I was serve a summons. I am asking for this company to stop their collection tactics and their abusive collection practices. This company needs to be placed out of business for their illegal collection practices.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries on my Experian account that I did not do can u please remove these off my file they has cause pain in suffering to me these are the inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Received callback from a supervisor who left a number but was not able to get back with a supervisor.
Product: Debt collection

I am filing this complaint regarding a debt that American Coradius International LLC is attempting to collect on behalf of XXXX for a XXXX monthly account. The amount in question is {$310.00}. 

Due to severe financial hardship, I am completely unable to repay this debt and will never be able to do so. I recently received a letter from American Coradius International LLC stating that if I do not respond by XX/XX/year>, they will assume the information they have is correct. 

I want to make it clear that I do not have the means to pay this debt and I am requesting that it not be reported on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am disputing the validity of this debt and requesting that all collection activities cease immediately. The FDCPA requires that debt collectors verify the debt upon request, and if they can not, the debt must be removed from my credit report.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am requesting that this debt not be reported to any credit reporting agencies, as doing so would unfairly damage my credit given my inability to pay.

I am seeking the CFPBs assistance to ensure that American Coradius International LLC and XXXX comply with these federal laws, cease all collection activities, and refrain from reporting this debt to the credit bureaus.
Product: Credit reporting or other personal consumer reports

According to this section of the FCRA : The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2. I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately.
Product: Credit reporting or other personal consumer reports

EQUIFAX, XXXX XXXX  XXXX all lf them reported me as a delimquent while that account was not mine.I tried to dispute.Some corrected info, some not, but never updated my score which went down from mid XXXX to upper XXXX. 
I tried talking to all of them they kept on ignoring my request
Product: Debt collection

I returned the call to discuss. They gave incorrect amount and dates to claim debt is current. I told them it was over 10 years old and uncollectible. They I sister they had the right to sue and stated incorrect information on time limitations for state of Nevada. They refused to let me respond, told me they were going to get a judgement 'next week ' to seize my assets and then hung up. I called back and the woman yelled at me and then hung up again saying she did not have to talk to me or explain or listen to my updated personal information.
Product: Debt collection

I just received a letter at work stating my wages would be garnish without any proof that account was mines. I never received any verification it's indeed my account and or how the account existed I tried calling the number but the lady couldn't provide information on it and i tried emailing but the email isn't real
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting me late for XXXX XXXX XXXX XXXX XXXX of 2024 this is a error as i was never late and the creditr bureaus or XXXX federal has not provided me proof in writing that i requested and has not corrected my credit file as never late.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, a resolution to these concerns remains elusive. Your firm characterizes my request for verification in response to the credit report dispute as " frivolous '' or " irrelevant. '' I want to emphasize that I take this matter seriously. If my initial request to verify the items is not acknowledged, I am prepared to file a complaint with the Federal Trade Commission. I respectfully demand validation of the alleged item, specifically the contract, note, or any document bearing my signature. Failing that, I insist on the swift removal of these items from the report.
Product: Credit reporting or other personal consumer reports

Consumer ID XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ALL FRUADULENT INQUIRIES.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Capio Partners LLC Account # XXXX, XXXX {$290.00} {$100.00} I have reached out this company several times, In reference to these accounts. These accounts are an result of identity theft. Iam disputing this debt because it is not owed by me.This violates the fair credit act by reporting inaccurate information.
Product: Debt collection

I'm writing to request validation of the debt you are attempting to collect from me. I received a notice from your agency on XX/XX/year> stating that I owe a debt. Pursuant to fair debt collection practices act, 15 U.S.C 1692, I am requesting that you provide me with the following information to validate this debt. A copy of the original signed contract or delete this account
Product: Checking or savings account

I opened Capital One account in the morning of XX/XX/XXXX by visiting one of your locations in XXXX, MA. In the evening of the same day I attempted to link an external bank account to my Capital One account and was not able to do so. 

I telephoned Capital One to inquire about the problem and learned the following things : 1. The combination of my name and my phone number was not stored in some Capital One internal database and therefore Capital One, as I was informed by one of your associates named XXXX XXXX XXXX. XXXX, MN that Capital One banking products and banking platform is not appropriate for customers like me. 

2. The same individual named XXXX, informed me that Capital One is only serving customers who can directly and effectively communicate with Capital One associates like XXXX over the phone in XXXX or XXXX. Capital One refuses to serve customers who can not effectively communicate in XXXX or XXXX and prohibits the use of interpreters when communicating with Capital One. 

3. When I contacted Capital One throuhg an XXXX language interpreter, Capital One blocked my account completely claiming that some sort of criminals possibly from a XXXX group associated my ethnicity was trying to break American banking system. 

None of the requirements that a ) my name and phone number should be listed in an internal proprietory Capital One database or a database of one of its business partners, and b ) Capital One must have an ability to communicate effectively and directly with the customers in XXXX or XXXX, are listed in Capital One 's disclosures.
Product: Payday loan, title loan, personal loan, or advance loan

I have a judgement out on me from One main financial they were grashment my check took over XXXX and still said i owe them XXXX i want to be included in this lawsuit i have been harased and people coming to my house this is very stressful because of covid i got behind on everything i loss my job im still out of work ihave documents and this happened when covid was going on
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union reinserted a debt from XXXX after removing per investigation. Per FTC US15 U.S. Code 1681i Trans Union MUST notify me within 5 days of reinserting this information on my credit report and send supporting details as to why. I have not received either therefore XXXX needs to be PERMANENTLY removed from my credit report. Also, the same debt is listed twice. One reflects closed and paid as agreed the other shows a number of late fees. this is also against FTC US15 U.S. Code 1681i.
Product: Checking or savings account

XX/XX/XXXX, I opened up an XXXX XXXX in the max amount of {$3000.00}. It has renewed for XXXX years and recently in XXXX. When I purchased the certificate the requirement had to be a checking account with a direct deposit that my name was on. Therefore, I was added to my husband 's checking account, he has direct deposit and I was told by the bank teller that this met the requirement. 

Now 4 year 's later after renewing the certificate on XX/XX/XXXX, I received an email on XX/XX/XXXX that this no longer meets the requirement and that I need to open my own checking account with direct deposit by XX/XX/XXXX or I lose the new rate of 5.3 % and it will revert back to 4.74 %. 

This is not about the minimal monetary loss, but the principal and trust. Their Change In Terms state, " Once issued, the terms of a certificate may not be changed without the owners consent '', as well as 30 days prior notice. Neither were done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account balance is XXXX or {$0.00}. Credit reporting needs to be updated to reflect this amount as PAID IN FULL or XXXX BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

CARVANA is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : FAIR COLLECTIONS & O Account Number : XXXX Date : XX/XX/2016 Amount : {$5500.00}
Product: Credit card or prepaid card

I requested my account be closed appropriately XX/XX/XXXX, Avant credit services to set up a payment plan. They said that I asked for a payment plan on XXXX of XXXX and that I had to wait 14 days for someone to contact me. They never contacted me. 

I called again today and they are asking me to wait another 14 days. During the waiting time I'm accruing more interest because they will not close my account. 

I paid my bill up to XXXX of XXXX so the payment plan was not Intiated by me. 
I just want to pay my bill and I have been unemployed since XXXX, due to health problems and am on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax to ask why were collection companies were still able to access my credit report even if i had a credit freeze and fraud alert.I explained to the man on the phone that my information was compromised. My neighbor who has a collection company and has been selling my information and placing my name, address, social security number and family members names on the dark web and a lot of other sites, i was able to removed XXXX so far however he continues to do this i've had XXXX alias and address ' going back 40 years placed on my reports .When i finished the call a new collection from XXXX XXXX XXXX XXXX XXXX XXXX placed on my Equifax credit report and my score went down XXXX  points. For a year and a half this is been going on there has been a lot of traffic on my reports why isn't anyone seeing this.
Product: Mortgage

Freedom Mortgage has not replied to all my concerns from a letter received. 

I Demanded for a copy of my original contract. ( this is was ignored in their response letter dated XXXX XXXX ) I demanded new Loss modification documents for signature. ( They send a copy of the OLD loss mitigation papers originally dated XX/XX/XXXX with an effective date of XXXX XXXX and first payment due XX/XX/XXXX ) This original request was received XX/XX/XXXX which is already past the 30 day deadline. This company has since then received a second letter that was received XX/XX/XXXX ( XXXX certified # XXXX ) once again asking for the same information )
Product: Debt collection

The company is billing me for the amount that the insurance company considers a discount and the amount is not owed by the patient. The patient paid the {$150.00} hospital deductible at the time of service and that was the only amount owed. Paid in full to XXXX XXXX in XXXX 2017. The EOB confirming this information will be attached to this complaint.
Product: Checking or savings account

On XX/XX/23 I talked to my banker at Regions Bank and was showed that someone with XXXX, Texas address had taken over my checking and savings accounts unauthorized and took approximately XXXX out my accounts. My banker closed all my accounts immediately and opened me a new account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " AFFIRM '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account AFFIRM which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received an offer from Comerica Bank to apply for a XXXX. When I logged into my account it stated " You don't have any accounts enabled for Comerica '', although I was able to log into my account. I made 3 calls to Comerica to find out what the problem is. 
CALL 1 : I spoke with XXXX, he asked for my debit card number and the last 4 of my social, and was able to access my account. He told me " your account is in a shuttable status due to inactivity. '' He told me I would need to drive into a local branch ( 50 miles each way ), when I told him I will not drive XXXX XXXX  when this can be taken care of over the phone, he told me to call the local branch number from their site after XXXX XXXX 
CALL 2 : XXXX refused to verify my account with the same information as the previous agent and asked for ( the year I opened the account ) and my checking account number. I provided all the numbers including the routing number. He then told me to drive to the nearest branch XXXX miles away. I asked for a supervisor he refused, I asked 3 more times and was transferred to ( XXXX XXXX, who stated she is a supervisor. She told me " Since you failed the verification you need to call back for another agent. I asked for their corp phone number she refused and told me to call customer service. 
* They have held the money I have in the account collecting interest for them and refusing to assist. This is FRUAD! How much other customers ' money are they holding collecting interest?
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon receiving a copy of my credit report, I have identified the following item ( s ) that contain inaccuracies : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I insist that these items be thoroughly investigated and eliminated from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please ensure the removal of any information that the creditor is unable to validate. I am aware that, as stipulated by 15 U.S.C. Sec. 1681i ( a ), you are required to complete this reinvestigation within 30 days of receiving this letter. 

Please send an updated copy of my credit report to the address provided above. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify anyone who has obtained my credit report within the past six months of any corrections made. 

Thank you for your attention and assistance regarding this matter. 

Yours sincerely, XXXX XXXX XXXX
Product: Debt collection

keeps calling every day says there going garnish my checking account for a credit card I never had talked to XXXX at least 3 time told her to stop calling
Product: Credit reporting or other personal consumer reports

XXXX XXXX car payment up date haven't been updated in months the balance on credit reports are {$4000.00} the correct balance XXXX
Product: Money transfer, virtual currency, or money service

Once again FISERV via XXXX and XXXXXXXX XXXX are preventing our law firm from getting paid by our clients. See the attached latest example.