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

I ordered my credit reports from XXXX. I selected all three bureaus and only XXXX has sent me theres. XXXX has a XXXX number and is easily able to be reached while XXXX is very difficult to reach and when trying to submit a complaint asks for a confirmation number from my credit report but they still have not sent one.  Every time something is removed from my XXXX file such as Sustematic collections it goes on my XXXX report. I am noticing this through XXXX XXXX because I dont have access to anything at XXXX. This is MY information. I also filed for bankruptcy XX/XX/2018, have been to the meeting of the creditors and everything is supposed to be Discharged XX/XX/2018. I talked to a XXXX official and he said well ... all the information will still remain? I do not understand. I thought a bankruptcy chapter XXXX was supposed to wipe your slate clean and give the consumer a fresh start. I am an XXXX XXXX Beteran after serving 8 years in the XXXX. I noticed on XXXX XXXX that there is a XXXX balance of XXXX dollars after 11 years. I called XXXX and they said they couldnt even find my name. Everything was payed as agreed but it looks like to me there is no justice for the consumer. XXXX should have an open line that is easy to get in touch with a real live person on the other end to talk to. I was cut off several times and it kept asking for a confirmation number even after they wont send me a credit report. I hope someday to be able to afford a mortgage even though Im just a middle class American.
Product: Credit reporting or other personal consumer reports

All XXXX credit bureaus failed to properly address my disputes : and does not accurately convey all relevant information
Product: Credit reporting or other personal consumer reports

These accounts were not created by me, and I believe they are fraudulent. I am respectfully asking you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated may rights under 15 United States Code Law 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( a ) ( 2 ) it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

i sent letters to the XXXX XXXX on XXXX, for reporting inaccurate and incomplete information on my credit report they they deemed verified. they have violated 15 usc 1681eb and 15 usc 1681s-2b for not deleting inaccurate information from a consumer credit report. plus i have paid XXXX XXXX XXXX in full and they need to delete the account from my credit report.how can XXXX XXXX XXXX verify something to the XXXX XXXX  when they haven't verified anything with me
Product: Credit reporting or other personal consumer reports

About XXXX months ago ( XX/XX/XXXX ), I was started the process of trying to obtain a loan. Because of XXXX XXXX, I'm still in that process and have not been able to secure this loan. 

The reason my loan is taking so long is because I have two 30 day lates on my credit from a XXXX XXXX credit card that I've had in my name for over 10 years. These allegedly occurred in XX/XX/XXXX and XX/XX/XXXX, while the world was in the midst of the pandemic. I was never notified of these lates and to my knowledge have always paid my credit card on time. 

Over the last XXXX months, I've tried all the normal avenues to get this incorrect payment reporting rectified. I've called XXXX XXXX probably 5 to 10 times and repeatedly was assured they would correct the 30-day late reporting. On multiple occasions, they told me that the reporting was corrected and to just wait for the next credit bureau reporting cycle, which can take 30 days. I've waited twice for that to happen and still nothing has been fixed. 

I've also reached out to the credit bureaus a handful of times and filed countless disputes to no avail. 

I'm simply trying to get these two incorrect 30-day late payments ( from XX/XX/XXXX and XX/XX/XXXX ) removed from my credit. 

I'm currently XXXX  and this incorrect information from XXXX XXXX is causing me undue stress during my XXXX, not to mention completely delaying me from obtaining my necessary loan for almost a year. I've experienced stress that has both directly impacted my XXXX and my financial situation and I just want XXXX XXXX to correct this.
Product: Credit card or prepaid card

This is my second attempt to resolve the issue with Capital One Bank in regards to my consumer credit transaction.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear ( EXPERIAN ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : XXXX. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : XXXX  I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A )
, you are required to notify me of the results of the investigation within five business days after it is completed. 

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a out a second letter with proof if identity as well on XX/XX/XXXX to all the credit reporting agencies. However the credit reporting agencies said they completed the investigation and everything was XXXX XXXX accurate. XXXX Equifax and XXXX has Failed to do a proper investigation and respond back to me. This is not making any sense and is also frustrating when these corporations are for XXXX reporting inaccurate information and for XXXX not removing the information when i ask them to. 

According to the law 15 U.S. Code subsection 1681a Definitions ; rules of construction.

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. It's well past XXXX days. 

I would like to know who did they talk to. 

How did they complete this investigation.
Product: Checking or savings account

On XX/XX/XXXX Bank of America allows a law firm of enter me and wife account and take out XXXX out of our account. I call the bank and all they did is give me the number to a law firm. So i called the number and they said it was an old worker compensation case that they claimed my job did not pay XXXX old case and their were no court judgement against me. So i dont understand how the bank just turn my funds to some person without my knowledge.
Product: Mortgage

Last year they didnt pay my taxes and a lien was placed and I had to pay the tax from my personal savings. Again this year my taxes are due and there is plenty money in escrow and taxes arent paid. Last year I also had to pay penalty
Product: Debt collection

FOR SEVERAL YEARS I HAVE BEEN A VICTIM OF ID THEFT. REPORTED TO FTC, LOCAL AUTHORITIES, & CREDIT BUREAUS ACCOUNTS WERE REMOVED ONCE & DEBTOR HAS REPORTED DEBT AGAIN BUT LISTED UNDER ANOTHER NAME. THEY EVEN HAS IT LISTED AS A DEBT AND ALSO REFERRED TO AND LISTED UNDER COLLECTIONS ON CREDIT REPORT. I HAVE NO KNOWLEDGE OF THIS DEBT AT ALL. THIS DEBTOR HAS SOMEHOW FOUND MY PHONE NUMBER AND CONTACT ME ON SEVERAL OCCASIONS, I PROVIDED POLICE REPORT & NOTIFIED THEM THAT A FREEZE HAS BEEN PLACED ON MY REPORT DUE TO ITEM BEING UNKNOWN. THEY TOLD ME THAT THIS DEBT BELONGS TO ME BEING BILL WAS PAID SOMEWHAT BUT I HAVE NO INTEREST IN THE STORE WHATSOEVER AND ASKED THEM TO CONDUCT A FULL INVESTIGATION OVER AND OVER TO CONCLUDE THAT I AM NOT RESPONSIBLE FOR THIS DEBT. SO THE OUTCOME WAS TO REPORT IT AS A DEBT UNDER ANOTHER NAME AND ALSO TO COLLECTIONS SO I HAVE THIS LISTED TWICE AS A DEBT AND ALSO AS A COLLECTION ITEM. THE AMOUNT OF THE DEBT AS REPORTED IS {$1000.00}. THE REPORTS WAS FILED IN 2014 ON 3 DIFFERENT OCCASIONS.
Product: Mortgage

We received 2 attached contradicting letters from Rushmore in response to my initial CFPB Complaint Number : XXXX. First of all, both letters were dated on XX/XX/XXXX - From both XXXX, CA Office ( which attached a PDF Response Document ) and XXXX, TX which included inaccurate information which does not attest to the full truth. Here are my concerns as follows : 1. PDF Document attachment again does not outline the Fact that we are currently under a Forbearance Program through XX/XX/XXXX via XXXX XXXX Transfer to Rushmore Loan Servicing. ( Please see Attached documentation which was sent over 7 times to Rushmore and original SPOC - XXXX XXXX ). Also, your excuse about posting a note on our door is contradictory as well because we were already in a Forebearance. We were also fully aware of debt obligation based on XXXX XXXX XXXX   Forbearance information which was already sent to us and Rushmore during the Transfer, and there was no need to attach our Mortgage * & Deed information. This is another form of Retaliation because we filed a CFPB Complaint as U.S. Veterans. 

2. The 2nd Letter received was from the XXXX Office with the same date of XX/XX/XXXX which is inaccurate full of untruths. Contrary to this letter, we reached out to correspond with Rushmore on several occasions via email and phone with no response from the original SPOC - XXXX XXXX - until XX/XX/XXXX. After several attempts and a prior CFPB complaint, XXXX XXXX, finally reached out in XX/XX/XXXX and we spoke about the current Forebearance and the fact that it goes through XX/XX/XXXX. 

We also specificallly spoke about the Loan Modification application being submitted by the end of the Forbearance to roll-in the loan balance/restart loan at 30 yrs, once we submit the application with updated income. Therefore, this letter is also a form of retaliation because we filed various CFPB Complaints regarding Rushmores treatment towards U.S. Veterans and XXXX Minorities. 

Although, Rushmore reassigned the case to another SPOC, does not negate the fact that they have discriminatory practices towards XXXX Minorities and U.S. Military Veterans.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I transferred {$1800.00} from my American Express Bluebird checking account to my XXXX XXXX XXXX checking account. The money was pending until XX/XX/2024. Then the transaction disappeared from my XXXX account transaction history. In the evening, of XX/XX/2024, it showed as successfully completed, but did not show in my XXXX XXXX XXXX Checking account. I spent an hour and 40 minutes on the phone with the Bluebird customer service reps, asking for an ACH number, so that I could investigate what happened with the XXXX folks. They refused to give me an XXXX number, only a transaction number. I gave this number to XXXX. And, just as I feared, it did not generate any information in the system, when my XXXX transaction investigation team looked into what happened. It is now XX/XX/2024. I do not have my money, nor an ACH number. On my transaction history, XXXX does show it is an ACH transfer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 41 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an urgent matter regarding a credit card account in my name. This account was opened and utilized without my knowledge or consent. 

Despite flagging this account as fraudulent, I have been informed by Capital One that I am responsible for the outstanding balance. It was only after applying for a mortgage that i learned of the account. 

I have attempted to resolve this issue multiple times, but I have been repeatedly redirected without receiving any meaningful assistance. I am seeking your help to rectify this situation promptly.
Product: Debt collection

I have disputed the debt says owed from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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

Without my knowledge, Ally Financial stopped accepting automatic payments via the online portal and neglected to notify me in order to fraudulently charge late payment fees. Upon noticing it on my credit score, Ally Financial refused to cooperate. 2 Payments of {$470.00} were claimed to have never been received in XXXX and XXXX of 2019. The account has always been and still is current, yet Ally financial is refusing to correct their mistake. Any help is greatly appreciated. 

Thanks, XXXX XXXX
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$2000.00}. This collection agency has updated this account with no closed date, which reflects the account as current. This collection agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt collection

in XX/XX/XXXX I attempted to purchase a car from XXXX Ford In XXXX Colorado. I had a Hyundai that I had paid off and owned entirely. 

The dealer then set up the paperwork for a ford van, trading my car in as collateral. 

After driving the van we discovered that it was previously damaged from an accident. 

This is where things get weird. 

Before we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a Ford Taurus. 

Shortly after taking possession of the vehicle, Ford Motor Credit began not posting our payments, then became threatening. 

As I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. 

XX/XX/XXXX we left XXXX for 24 months. 

Ford Motor Credit wrote off the contract as I returned the vehicle undamaged. 

Then- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX Ford . 
We responded to the subpoena in writing mailed certified return receipt to the XXXX County District Court. 

The certified mailed return receipt response was properly addressed and mailed within the required time to respond. 

Several weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . 

That same judge then issued a summary judgement that did n't exist against me for some XXXX k. 

The total price of the car, a car we did not have as we returned it to the dealership as agreed with Ford Motor Credit. 

In other words, a debt not real, or valid. 

The debt was sold to a collections firm in XXXX Colorado XXXX XXXX XXXX XXXX XXXX that is not affiliated with BBB, and suspect for illegal collection practices. 

They have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX 

Someone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this XXXX be the work of the collection firm. So I am out of any vehicle now. Its XXXX. 

That XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. 

I am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX XXXX, forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by Ford motor Credit which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. 

It seems no one has done anything to look into these illegal business practices
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian credit bureau XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}
Product: Debt collection

Jh Portfolio Debt Equities is misrepresenting the opened date and sum of the alleged debt on my credit reports that they are attempting to collect. 
The only validation that was sent to me were XXXX pages of a XXXX bank account not indicating how and why they have any legal rights to collect, how did they come up wit this sum or where did they obtain this information about me. 
Providing me with the last XXXX of my social and the mailing address on the XXXX bank statement is NOT debt validation as they could have stole this information or obtained it through any other illegal means. I did not enter into any contracts or agreements with Jh Portfolio Debt Equities, therefore they have no legal rights to report anything about me or my credit to the credit bureaus or attempt to collect anything.