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

I noticed that I had a ding on my credit report for a account that was 30 days late it was reported for the month of XX/XX/2020. It was for my Self secured credit card. I sent them a chat request this morning of XX/XX/2020 to inquire about this because It has to be a mistake. My payments are due on the XX/XX/XXXX of every month I was late but only by 3 days for the month of XX/XX/XXXX and XX/XX/XXXX I made my payments on the XX/XX/XXXX of both of those months. I was trying to chat with them about why they reported me being over 30 days late when that is not possible since i was only 3 days past my due date. But they could not give me a reasonable answer I was well aware of the late fee and excepted the fee I paid all the fees and my minimum payment and then some. I told them that this was being reported on my credit report as inaccurate information and is a deformation of character and not a true picture of what is really being done and all I was told was that since I made the payment after the due date the statement was closed and it is not possible to make a payment to that statement and therefore I am 30 days late. I told them that is a deformation of character and is inaccurate and to please update it to not late and i was told to have a nice day and the chat was ended.
Product: Credit reporting or other personal consumer reports

XXXX did not properly investigate dispute for collections on report
Product: Debt collection

Cavalry SPV LLC is suing me for an old debt with XXXX XXXX. I have moved 4 times in 3 years. I was not properly notified of a lawsuit or continued issue with XXXX XXXX  since they no longer exist. The debt has not been properly verified.
I opened an account with XXXX XXXX through a XXXX XXXX  store in XX/XX/XXXX. XXXX XXXX wrote off this alleged debt off in XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX XXXX XXXX became XXXX XXXX. Cavalry SPV bought the alleged debt from XXXX XXXX inXX/XX/XXXX. I dispute the fact that I can be sued for the alleged debt that did not exist as ofXX/XX/XXXX. The plaintiff is named as Cavalry SPV, assignee for XXXX XXXX XXXX XXXX. The plaintiff in this lawsuit is an assignee for a company that no longer exists. Nowhere in the actual lawsuit filing itself is the mention of XXXX XXXX. These details point directly to fraudulent business practices and debt collection directed to a consumer. Cavalry SPV has been named in and accused of fraudulent business practices against consumers for the purpose of collecting zombie debt before and judgements have been issued for the consumer.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX by XXXX XXXX gave little to no notice to their customers that they would sell off their loans to XXXX. 

I found out just days ago, I am caught by surprise, and SST has unfortunately made it super challenging to get the transparency I deserve about my loan ( prior statements, statement history from the onset of my loan from XXXX by XXXX XXXX ). If XXXX bought this loan from XXXX by XXXX XXXX, I am deserved my prior statements to include thorough pdf statements mailed to me if I can't access them online ( by the way SST 's online portal looks like it was from the early XXXX  ). User interface is not user friendly and one can't get access to something as simple as a statement or a privacy policy link at the bottom of the web page. One shouldn't have to hop through hoops to get statements, last balance information from XXXX by XXXX XXXX, etc.. 

Ever since XXXX by XXXX XXXX sold off my loan- which was literally within the last XXXX weeks possibly ( early XX/XX/ ), I can't get access to my prior statements from the XXXX by XXXX XXXX XXXX XXXX. 

If we were supposed to save those statements prior to XXXX selling off our loan, we need notice to save the statements needed before they discontinue online access to any loan information via the XXXX by XXXX XXXX online portal. 

SST is scheduled to autopay/autowithdraw over {$800.00} on XX/XX/XXXX from my checking account, and I have yet to see a statement through the SST web portal. Even though I have autopay enabled, I deserve to see a thorough statement. I had that to some degree with XXXX XXXX but I am not getting this with SST. XXXX XXXX and SST dropped the ball here. SST 's notice to customers from XX/XX/XXXX was vague and unclear about what we should do if we haven't received a statement. 

XXXX by XXXX XXXX and SST should've worked in tandem with SST to ensure an effective transfer of my loan, which includes full transparency into my statements from the inception of this loan. With no ability to have control over the decision to move my loan to SST, and one can not see any statements through a not so user friendly online portal... how am I to understand if the data integrity of the account balances from current and prior months match up with what SST is quoting me today? 

I need the transparency, and I am not getting that with SST or XXXX by XXXX XXXX. This transfer of my loan to SST by XXXX by XXXX XXXX was done with no transparency or paper statement mailed to me. If I can't get access to my statements online via SST 's ancient non-user friendly web interface for account management, then I should be receiving a paper statement mailed to my address every month going forward. This is not hard to ask for. Even though they sold off the loan to SST, both companies should still be held accountable to ensure I ( the customer ) receive sufficient paperwork or loan statements to assist me with this unfortunate transition to SST.
Product: Credit reporting or other personal consumer reports

This letter is in direct response to your correspondence dated XX/XX/XXXX, regarding my consumer file # XXXX. Let this serve as my FINAL NOTICE and an official DEMAND for immediate and permanent removal of the following fraudulent, inaccurate, obsolete, and unverified accounts from my TransUnion credit report.

As you are well aware, under federal law, you are bound by strict obligations, which TransUnion continues to violate through the reporting of these harmful accounts. You are hereby reminded of your duties under the following statutes and legal precedents : 15 U.S.C. 1681i ( a ) ( 7 ) You are required to reinvestigate disputed information and provide the consumer with written results and supporting documentation. 
15 U.S.C. 1681s-2 ( a ) ( b ) You have a duty to promptly correct or delete inaccurate, incomplete, or unverifiable information. Failure to do so after notice constitutes willful noncompliance. 
18 U.S.C. 1028A Reporting false or unverifiable information may constitute identity fraud, which is a federal crime carrying severe penalties.

Regulation F You must provide a complete chain of ownership and validation of all accounts, including accurate documentation from original creditors and any debt buyers. 
XXXX XXXX TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ) You are required to conduct a reasonable and thorough investigation beyond parroting information from data furnishers. 
XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX at XXXX You are required to act on disputes, reinvestigate thoroughly, and ensure accuracy under the FCRA XXXX 
In accordance with these laws, I am disputing the following accounts and demanding their immediate deletion unless you provide full and independent verification with documented evidence from the original creditors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are legally disputed on the basis of being inaccurate, unverifiable, obsolete, and/or fraudulent. Continued reporting without lawful verification exposes TransUnion to substantial legal liability.

As required under 15 U.S.C. 1681i, I DEMAND within 30 days : A complete reinvestigation of each disputed account.

Full deletion of any account that can not be verified with original source documentation.

Production of the entire chain of ownership documentation as required under Regulation F.

Written confirmation of all deletions, corrections, and reinvestigation results.

Copies of all documentation relied upon in your investigation.
Product: Consumer Loan

This is from XXXX Hospital where my insurance says they double billed me & wo n't pay. 
So I have been making payments to the hospital. 

Therefore it should not be in collections.
Product: Credit reporting

Experian does not answer the phone, has not removed the erroneous and perhaps fraudulent info from our credit report. We are a small, family-owned XXXX XXXX. Our company name is XXXX XXXX XXXX XXXX. We live & work from home. Our shop is on our property and has been for over XXXX years. We are the only XXXX XXXX & XXXX for miles around and certainly the only one in XXXX, TX. Experian will not return my calls. I have emailed XXXX times with exact details of the problem and I keep getting letters that say it 's resolved. It is not. We are still listed twice on a business credit report search. The wrong info lists our address as that of our XXXX competitor who has been out of business over a year. The property taxes for 2014 for our competitor 's property are in arrears and I have been told by our mutual vendors that they were never paid by our competitor. XXXX denied our credit app because of Experian 's reporting. Experian keeps telling me to " resubmit again. '' After posting my story on Experian 's XXXX page, I finally got a real human in the personal credit reporting department that is trying to help me. He is even having a difficult time with the Business Credit department of Experian-his own employer. XXXX XXXX XXXX XXXX has never owned, rented, worked from the property at XXXX XXXX XXXX, XXXX, TX. Several years ago, someone claimed our online profile so that when you searched online for XXXX XXXX & XXXX you got the phone number to our competitor at XXXX XXXX, XXXX, TX. I finally fixed that but it took years. We were denied credit by XXXX because of Experian 's false information and Experian will not return my calls and repeatedly sends form letters to me saying that it 's fixed. A quick search on www.experian.com reveals that it is not fixed. No one has called me back except for XXXX in the personal credit area, who saw my post on XXXX and is trying to help me. We have excellent credit. We work extremely hard doing XXXX work in the Texas heat. We pay our bills on time and mostly in-full. The other XXXX reporting agencies are not reporting the wrong info. XXXX with Experian just told me that they have pulled a credit report on our name with our competitor 's address. I can not get the report unless I pay them money. The building at XXXX XXXX is vacant and for sale. The property taxes are in arrears. I just need our name completely disassociated from that address. Please help. Experian Business Credit will not help me.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax Information Service LLC , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) .A charge off account opened at XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX under the account number ( XXXX ). Another charge off account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Another charge off account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). A Charge off account opened at XXXX on XX/XX/XXXX on under the account number ( XXXX ) .These accounts have resulted in several fraudulent Charge Offs and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or Charge Offs as reported. The aforementioned accounts, collections, and Charge Offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and Charge Offs are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
Product: Checking or savings account

They were taking money from my XXXX XXXX  account without my permission
Product: Debt collection

I have multiple collections notations from a company called " progressive management systems '' on my credit report. They are classified as " medical ''. I do not know where these came from, as I have medical insurance through the VA, and continue to receive calls from this company asking for me to verify personal information.
Product: Debt collection

Repeated calls, at least XXXX a day from XXXX XXXX XXXX XXXX XXXX XXXX days a week. I have to keep my phone on airplane mode. They cause me great distress, and I can not take the harassment. If I could pay my bills, I would.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reviewing my consumer credit file and noticed a fraudulent unverified account on there by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reporting this fraudulent information is extortion. I demand you verify the credit transaction that was made with me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to furnish this information on my credit file. Failure to verify that a Credit transaction was made between me and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shall constitute fraud , extortion, blackmail to embezzle labor out of me the consumer which violates 42 U.S.C 1994. And constitute a violation of 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. Furthermore I believe you have 4 business days after receipt of this Notice to remove this fraudulent account from my consumer report, and cease and desist all communication through any mediums including credit reporting agencies after receipt of this notice as required by federal Law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/2023 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  XX/XX/2023
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Mortgage

I obtained a home mortgage through a non-profit housing agency called XXXX XXXX XXXX. I made my payments through a mortgage servicer named XXXX , XXXX. I fell behind on my payments because my husband was in 3 serious car accidents and XXXX XXXX. We incurred thousands of dollars in medical debt and were working with XXXX, XXXX On a loss mitigation that was supposed to be effective XX/XX/XXXX. In late XX/XX/XXXX, I received a notice that the XXXX XXXX XXXX had sold my mortgage to a new servicer called XXXX. They are out-of-state and do not have area offices. I tried to register for an account to access their online system to understand what was going on, but received an error message because they have no record of my loan. I then called XXXX three calls and spent a long time on hold each time before I could speak to a human. XXXX is like a black box when it comes to accessing information or assistance, but has been very effective at sending 2-3 delinquency notices a week ( including 2 letters yesterday ). I was finally able to speak to a loss mitigation specialist this week only to be told they dont have any information. They have not received my files and asked me to contact XXXX to obtain the files myself since they might not have them until XX/XX/XXXX. The trouble with this that my loan will remain in collections and I will not be assigned a loss mitigation counselor until I receive it. The bigger concern is that even though my modification had already been approved by XXXX, they are treating my loan like a delinquency. My modification will now need to be reviewed and approved by XXXX. This will further prolonging the issue that I had already taken each and every painstaking step to resolve through the appropriate channels. I contacted the XXXX XXXX XXXX ( XXXX ) and asked them to address the Commissioners to let them know how disappointed I was that they sold my mortgage to an out-of-state company that only allows FHA recipients to make payments through the mail and not electronically, and that my loan modification fell through the cracks. XXXX instructed me not to and has been sending me emails that include their executive staff. This is very intimidating and it feels like now they are punishing me by telling me I did not comply with the terms of the agreement when I have not received any letters from XXXX, XXXX, XXXX, nor HUD telling me as much. All I want is to put the ordeal of my husbands medical problems and delinquent mortgage behind me. I have done everything right to make this happen, and am challenged to understand why Im suddenly back at square one with XXXX. I want to pay my XX/XX/XXXX mortgage payment and I want to stay in my home.
Product: Checking or savings account

I wrote a check ( # XXXX ) on XX/XX/2020 to what I thought was my moving company that I had a legally binding contract with, however it was a contractor that they illegally sold my move to. When they picked up my belongings they illegally increased the pricing and I did not sign a bill of lading and have proof they altered the document to make it appear as if I did. I only provided the check on XX/XX/2020 because the mover in my house made threats indicating he was trained by a boxer who is now in prison with a XXXX conviction, but did not sign the bill of lading because I did not agree. When I wrote the check I wrote " XXXX '' in the Pay to the Order Of because of was panicked and saw that word at the top of the Interstate Bill of Lading form. Wells Fargo allowed a customer to deposit that check, despite the fact that it wasn't written to any company or organization involved in this move and certainly not the correct name to be deposited in the individuals account. I am missing over {$800.00} in belongings and the company I contracted with did not deliver a good or service. I called Wells Fargo and they told me there is nothing they can do about depositing an inaccurate check into someone's account, which explains why this organization has been able to run their fraud scheme for so long. 


Company I contracted with : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal address XXXX XXXX XXXX XXXX  XXXX XXXX, GA, XXXX XXXX  # XXXX Who communicated with me about the scheduled driver arrival : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who picked up my belongings : XXXX XXXX on behalf of XXXX XXXX XXXX who operates under multiple XXXX 's ( XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX ) but not of these XXXX 's have a legal DOT # Where my belongings were stored : XXXX XXXX ( XXXX XXXX XXXX XXXX ) Principal Address XXXX XXXX XXXX XXXX XXXX, IL XXXX, DOT # XXXX XXXX XXXX XXXX XXXX, IL XXXX Who delivered my belongings : XXXX ( subcontractor of XXXX XXXX XXXX ) and this is when over {$800.00} was missing or broken This organization operates illegally and scams consumers out of money because they have them trapped needing to move that day. I simply asked Wells Fargo to look into how they allowed a deposit to occur when the " Pay to the Order Of '' was clearly incorrect and they are largely not concerned and again a main reason that these individuals are able to get away with their fraud.