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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed items and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the accounts from my report. I filed a report on the FTC website, I specified how the identity theft took place, and that I did not benefit from or receive goods or services from the alleged accounts. I also contacted the bank and they agreed to remove the account from my file. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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

Transunion, XXXX, XXXX Date : XX/XX/XXXX Full Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX, State : XXXX XXXX Texas Prior Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX I, XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) XXXX $ owed are no longer outstanding for the following items : XXXX XXXX XXXX. 
I am disputing this claim due to : XXXX XXXX XXXX I have sent a police report to support this letter. Please delete this account its reporting inaccurate R ( repossession ) activity years after account has been closed. Delete for inaccuracy. Also, the dates that this account was opened is inaccurate as listed below. This report is hurting me and family emotionally and financially. A copy has been sent to the Fair consumer agency ACT. Law requires any inaccurate information to be removed. It is also informed that the collector has sold the vehicle to an auction no formal letter was ever given to me concluding inaccurate balance. 
This is my official request to have the aforementioned item to be deleted off my credit report. 
Enclosed may be additional evidence to support my claim. 
Name must match Credit file as stated here XXXX XXXX XXXX XXXX. Validation is needed accuracy of this account must be sent to my address XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX Texas XXXX. 

Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto XXXX XXXX XXXX XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$20000.00} {$20000.00} {$20000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$10000.00} {$10000.00} {$10000.00} Payment Status : Repossession Repossession Repossession Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Repossession Unpaid balance reported as a loss by XXXX XXXX 
Merchandise was taken back by credit grantor/there may be a balance due. 
Involuntary Repossession Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the immediate removal of fraudulent inquiry from my credit report. Upon reviewing my credit report, I have discovered several inquiry that is not authorized by me. This inquiry is damaging my credit standing and have the potential to cause significant harm to my financial reputation. I have already submitted a report to the Federal Trade Commission ( FTC ) regarding this fraudulent inquiry and have enclosed a copy for your reference. Despite this, this inquiry is still being reported by your bureau. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I demand that this inquiry be removed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made disputes to Equifax to delete medical collection accounts that are displaying medical information in the original creditor name on the credit reports where the data furnishers refused to protect my private medical information. My private medical information has been compromised. The law under the Fair Credit Reporting Act, specifically the Fair and Accurate Credit Transactions Act Section 412 ( amendment to FCRA ) indicates that this information should be protected. Before all the disputes I had a 3rd party access my credit report and they started reading me medical collections and I was hurt by this and asked them to stop as it reminded me of the bad medical situations. Additionally, I felt hurt that 3rd parties could see this. This brought me to research why it's legal for this to be on the report in this way. Turns out that it isn't legal per the above mentioned laws. I have had no cooperation from the collection agencies and made multiple disputes with Equifax, including an XX/XX/XXXX dispute through the CFPB about Equifax not exercising oversight over the collection agencies regarding protecting medical information. The data furnishers ( collection agencies ) have refused to protect my private medical information and have compromised my medical information. The medial collection accounts are currently as of the day of this report, displaying what should be protected medical information, therefore are continuing to compromise my medical information per the above mentioned laws and refuse after repeated disputes to correct this alleged illegality. Previously a dispute was made through the CFPB on XX/XX/XXXX. These collection agencies ( data furnishers ) received a copy of that CFPB report via the Equifax XX/XX/XXXX dispute investigation. Equifax confirmed to me that the CFPB report was attached to the dispute that sent to each data furnisher. Sadly, they responded to Equifax by only verifying the status and balance and did not respond at all to the issue of medical privacy that was very detailed in my CFPB report. I have spoken to collection agencies on the phone and was disrespected and was given the impression that all that mattered was what they say I owe and otherwise they seem have indicated that nothing else matters, including the privacy of my medical information. 

Equifax has indicated as a result of the XX/XX/XXXX dispute through the CFPB that they require the data furnishers to certify that they have complied with the law regarding dispute results. Otherwise I received no indication from Equifax that the medical information that has been compromised and continues to be will be protected or removed.
Product: Debt collection

I have XXXX XXXX as my cell phone provider. They have confirmed I have paid my account in full, timely, and they have never attempted collection or held a debt against me. For some reason, XXXX credit report services ( XXXX XXXX have a " Trident Asset Management, LLC '' as a debt collector for " XXXX, '' claiming I owe {$42.00} for " utilities, '' as an open " Collection Account. '' I attach the applicable information if this site permits it, if not I can be contacted at the provided email address and provide all documents. XXXX My phone number will not be answered, as Trident 's efforts prevent answering numbers I do not know and I silence my phone during the hours they were legally not permitted, but have, called me repeatedly XXXX. XXXX XXXX suggested this could be from their home services, but I 've never had XXXX home services, as they also confirmed. When I moved in XXXX 2014 I inquired about services but was told they use dish and my building was too old XXXX historical ) to use such intrusive installation. I informed XXXX I was not interested in their services and received no services, installation, or products whatsoever. I was not informed talking to a representative cost money, it was a XXXX number so I had no reason to think so, so I contest {$42.00} if it was incurred simply by using their potential customer inquiry phone system. As this debt does not exist, I would like to utilize my rights under the FDCPA against Trident and demand XXXX proof of debt purchase/ownership from " XXXX '' and proof of an actual debt. I demand, upon investigation proving my version of events, that my credit reports be fixed to eliminate Trident 's incompetent report pursuant the Fair Credit Reporting Act. I also utilize my rights under the FDCPA for the illegal calling, harassing, and threatening voicemails associated with collection of a non-existent debt. I request XXXX be notified of Trident 's actions, as their system does not indicate any debt and I never received any notification from them on this issue. All I can assume is Trident confused me with another consumer or is fraudulently trying to collect debts they never legally purchased from the entity they claim. I give consent for any measures necessary for the FTC and CFPB to investigate this intricately. I will pursue legal actions myself if necessary, but unlike Trident, do not see the point in threatening a lawsuit over XXXX- far less the filing fee amount in any court - when this fraudulent report or scam can be resolved by the departments competent in enforcing such matters.
Product: Debt collection

65 phone calls in the last 21 days ... from Synchrony Bank/Care Credit for a bill that is one month past due. I e-mailed them as soon as I knew it would be past due and told them I would pay today XXXX.
Product: Payday loan, title loan, or personal loan

On XXXX my wife and I obtained a {$100000.00} line of credit from our local Truist branch. They were SunTrust. We have had 2 accounts there for over 20 years. Loan originator was XXXX XXXX. We were very clear that whatever XXXX  we got had to be at a fixed rate. XXXX XXXX assured us the XXXX was at a fixed rate of 3.99 %. We did not have any issue with that. We were remodeling so we were needing to take a certain amount out at irregular times. {$20000.00} here, XXXX there, etc. Again XXXX XXXX assured us this was going to be OK. We made our first withdrawal and the % was XXXX. We made a second withdrawal but the interest rate went up to over 6 %. We made two more withdrawals but those interest rates went as high as 8 %! We called to inquire and was told that the entire {$100000.00} was NOT all at 3.99 % and it would vary. We explained that we took fixed rate. All our papers say so. Over the years we have had several loans, all at fixed rates. Even with this bank. Truist says otherwise but can't prove it. They have not supplied any documents that we signed or even not signed. IF they are correct it was not explained to us by XXXX XXXX. We were VERY clear what we wanted. On XX/XX/23 we called Truist and asked for a XXXX. At this point I want to advise that staff at the bank has been extremely minimal. XXXX XXXX was no longer there so we spoke to the apparent manager, XXXX XXXX who is now at a XXXX branch XXXX XXXX XXXX XXXX XXXX. We started with him at our local XXXX branch before his transfer. He could not verify their position with anything except just saying so. We gave him a week to talk to his higher organization but the answer was they would do nothing except out the rate down to 7.99 % if we pay it all off. Since the change from Suntrust to Truist, this bank is the worst. We closed one account and opened another but they never closed the old account. Our Social Security payments were affected. We can't use XXXX XXXX because it's still tied to the old account but also the new. However we can't pay from the new account for whatever reason. 
At this point we have tried to work with the bank but as I described they are not being cooperative. 
We appreciate any help you can offer.
Product: Debt collection

RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help!
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account and I am a victim of breach of information and identity theft. XXXX and XXXX also breached my information.
Product: Credit reporting or other personal consumer reports

Mercedes is reporting derogatory account two and three times a month. Recently they reported it on the XX/XX/year> and again on XX/XX/year>. They are over reporting to try to sabotage my credit. Give me my car back since its just sitting in the tow lot. I only know because Mercedes never sent me any communication, so I called the towing company that repossessed my car and they told me its still there as of XX/XX/year>.
Product: Credit reporting

I applied for membership to a credit union. The credit union told me they could n't pull my ChexSystems report due to a Security Freeze. Knowing that I did n't place a Security Freeze, I called ChexSystems and they confirmed that I DO NOT have a Security Freeze in place. 

The credit union kept insisting that a Security Freeze was in place. I ordered & received a physical copy of my ChexSystems report and it shows that I DO have an active Security Freeze on my report ( which I had never placed ). 

ChexSystems does n't seem to know what to do about the discrepancy and does n't seem in any hurry to figure it out. I 'm a real estate investor, so every day that goes by that I ca n't join this credit union and apply for a mortgage is a potential lost deal/money.
Product: Mortgage

On or about XX/XX/XXXX, I made my XXXX mortgage payment to Bank of America Home Loans through the Bank of America mobile app, as I have done for the past 3 years I have had this loan. In the past, transferring the exact amount of the payment from a Bank of America checking account automatically makes the payment. 

However, presumably because of a system change at the bank, the payment was applied to Principal curtailment. The Bank did not inform me that their system change would remove this mechanism for a customer to make his/her monthly payment. Therefore, I made my XXXX mortgage payment as usual, by transferring the exact amount of the payment from my Bank of America checking account. 

On or about XX/XX/XXXX, I happened to notice that the amount I paid was sent to Principal Curtailment, when, out of abundance of caution, I checked my account online. 

On XX/XX/XXXX, I called Bank of America Home Loans customer number and, after waiting on hold for more than an hour, asked them to please change the payment from Principal Curtailment to the XXXX payment. The representative acknowledged I would have had no way of knowing that the bank 's payment protocols had changed such that I could not make my payment the way I had regularly done in the past. She said the bank would apply the payment as I had intended, and that I could check that it was done via online banking. ( She said I could use XXXX going forward, which is, in my opinion, a significantly less convenient way for the customer to make his/her regular payments. ) On XX/XX/XXXX, I noticed the payment had still not been applied, so I called Bank of America Home Loans again. As with the previous call, I waited more than 1 hour on hold. When I was finally connected to a representative, the representative informed me that requests take up to 3 business days to process, so I could expect the change to be made by end of day Tuesday. She said she would email 3 people to ask them to make the change, to make sure it would be done. I also sent a secure message through online banking which has not yet received a response. 

As of today, Friday, XX/XX/XXXX, the change still has not been made. 

In the case of poor mortgage servicing practices and non-responsiveness on the part of the servicer, the customer is captive and unable to take his/her business elsewhere. 

I respectfully request that Bank of America fulfill this simple, straightforward request and change my payment from Principal Curtailment to the XXXX payment and improve their poor customer service going forward. 

Thank you.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX XXXX XXXXXXXX XXXX to my credit profile, Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required.

This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the F.D.C.P.A. laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you.

Please provide me with the below mentioned items : *1099c Request * The amount you claim the Respondent owes you * An explanation showing me how you have computed the amount. 
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.

I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as XXXX, Equifax, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. 
* Defamation of character * Use of my copyrighted property
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Balance : {$57000.00} This debt she be removed from my credit report completely. The original furnisher/lender of this debt does not own the vehicle and is no longer the lien holder. I provided proof of this to all 3 credit bureaus XXXX, XXXX and Experian. I received an alert from XXXX that it was closed but when I check it remains open. I asked the 3 credit bureaus how can they verify the debt to be accurate without showing proof and I was advised that they as in the furnisher/lender did not need to show proof. How could this possibly be acceptable when I showed proof that they are not the lien holder but they are reporting late payments. I can not have a late payment for a debt that is no longer furnished by the original lender and I did not refinance the loan. I need my credit report updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the XXXX  XXXX continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Mortgage

Please see attached letters sent from my attorney and myself to resolve the matter. Issue has been the bank inappropriately charged flood insurance on the property. Countless hours were spent trying to resolve several issues with them. Basically it seems the servicing rights must have been sold during the process or their is fraud in the matter. Account was charged for insurance that never existed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in response to my original complaint # XXXX on XX/XX/2020 which was closed with feedback. XXXX XXXX XXXX bank is awaiting a feedback or response from me as they have realized that there investigation needs further review. My original feedback was that I did not understand the companies response. I also dont accept there response. There are still a couple too many inquiries for same loan product on my experian credit report. The consumer advocate at XXXX XXXX XXXX will know what we discussed on XX/XX/2020 and will reinvestigate my original complaint. Advocate has further information I provided and may contact me if more is needed.
Product: Debt collection

Diaz and Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ). Trying to collect on a debt that is XXXX years old. 
For XXXX XXXX : XXXX XXXX XXXX  XXXX.
Product: Debt collection

I was going through my credit report and noticed this collection on my account thats allegedly mine. Not only do they not have the correct address or email or job but they don't even have the correct name! Then I went further, so many of these dates are invalid or N/A which means they have no information at all linking me to this debt. The dates of last payment and dates of last activity are invalid as stated in the paperwork I have uploaded so being able to age this debt is absolutely impossible! The date closed is also invalid or non existent. Not to mention i request a contract or anything else bearing my signature linking me to this account.. there isn't any! I know my rights as a consumer and FCRA laws. This is defamation of my character and I will be suing for damages if these accounts are not immediately deleted from all credit reports immediately! Also I have included the payment history chart that shows absolutely XXXX information at all! This company has also filed bankruptcy and been purchased by another company for probably reasons like this! Thank you and please view all evidence uploaded plus I have more if needed, my attorney has all the paperwork and we will be moving forward with litigation if these are not removed immediately. Thank you very much!