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

XXXX XXXX I mailed a certified dispute letter to ProCollect , Inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/ I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 300 complaints on XXXX they also have over 700 complaints with the CFPB
Product: Credit reporting or other personal consumer reports

I've disputed with all three agencies about these fraudulent addresses and I'm meet with refusal for addresses I never lived at! I dont receive no corresponding mail at either addresses. If any mail is going to these addresses that's reasons for anyone to cause malicious to me and my creditworthiness. XXXX, Experian, XXXX, dont have rights to tell me afraudulent addresses can't be removed off my credit report when I never lived there. This is a violation of my consumer rights. 18 U.S.C. 1028A : Aggravated identity theft, 15 U.S.C. 1681e ( b ) : Compliance procedures The following addresses that are reporting from XXXX, Experian, XXXX are listed below : Address XXXX XXXX XXXX XXXX # XXXX XXXX, UT XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX  XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. These are fraudulent addresses and I don't live at any of these addresses
Product: Credit reporting

XXXX XXXX I sent a letter asking for Equifax to look into several accounts I have issue with and believe may be incorrect. I sent a follow up letter XXXX. It is now XXXX and no response. This is a violation of Federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

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

In accordance with the fair credit act XXXX  Account # XXXX # XXXX XXXX XXXXXXXX, # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Mortgage

My name is XXXX XXXX XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX XXXX XXXX. Please Consumer Financial Protection Bureau, its time to stop the lies from lending institution like Ditech, reported by one of your report to Congress as the third worse servicing company. 

Again Ditech has no internal issue, the only issue with Ditech is that they generate INN letters to cover themselves from complaints and government they have that capacity but do not send them to the clients. 

Again I have sent cover fax pages of the many times we have sent packages to them and they totally ignored all of them by calling them an internal issue. They want to work with our client, but the XXXX number is not working and no one answer their phone in the meanwhile their attorneys eager to get this XXXX XXXX house sold on the XXXX, XXXX. The sale date cancellation was due to a defense presented by our firm, not Ditech, they were totally oppose to stop sale. And yes sale date is onthe XXXX, XXXX and look what we have received from them, last letter dated XXXX XXXX, XXXX. Additionally, two letters received by Ditech dated the same date on XXXX XXXX, XXXX, this file was underwritten the same day? Let 's stop the fraudulent activities.
Product: Payday loan, title loan, personal loan, or advance loan

The company used my email for notifications for someones elses loan. When I put in a service ticket to have it removed, they ignored it. Now I am subscribed to all of their email advertisements and the unsubscribe feature will only unsubscribe to that particular type of email, not all emails from the company. There is no way to unsubscribe to all of their advertisements as a customer using a single action or even as a non customer. They are violating can spam act and predatory behavior on customers to prevent them from easily unsubscribing to all promotional emails.
Product: Credit reporting or other personal consumer reports

Tried to temporarily lift a credit freeze from Experian. After creating an online account, it stated there was an issue in verifying my identify and to contact a phone number for support. The support line provides no way of actually addressing the issue, only referring you back to the website which I already tried. Every time I asked the automated line to speak to a representative, it said it was not allowed to and hung up on me. The only other alternative was to submit documentation by mail but that is far too timely for this matter. Experian is fraudulent and offers NO CUSTOMER SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : removal of national credit systems and XXXX XXXX Hello experian, I received an letter from your company stating I had to provide more information in order to help delete these accounts. Well I have additional proof as I have provided previously for XXXX and XXXX XXXX XXXX. I recently disputed these accounts via cfpb and included the response for XXXX in which they cant find an account with my name and date of birth and you still have this account as open when it showed be closed and also national credit has responded they closed the account and in which You sent me a letter saying you wont continue investigations until you have proof. I have included proof. I am requesting that you remove this account from my credit report, and send me an updated copy showing that this account had indeed been removed.. 

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

When I reviewed my credit report, I discovered that some of the information was 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 investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARDS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

On XX/XX/XXXX, Citi Bank did not renew my card. I inquired multiple times, including today, to work things out and they said it was because of credit score ( which is well over 700 ) and derogatory information ( have no clue ). I have had this Sears card for well over a decade and have almost always ( 99 % over 10 or 20+ years ) paid on time in amounts much greater than the  minimum. I've earned a lot of points over the years and those are no longer available either. I feel I've been unfairly treated and discriminated against in a manner which is driving my credit score down, and the victim of a company 's bad management attempting  to do unethical things to get them back into good standing. I feel I've been totally taken advantage of.
Product: Debt collection

No XXXX XXXX I opened and Account Dispute on XXXX credit report and on XXXX XXXX the dispute was already process and results was ready. There was not a proper investigation taken on this matter. I received no notification of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to Allied Collection Serv Account No. : XXXX as well as the credit bureaus to validate the collection debt reflected on my reports. I asked them to provide the following items below for validation : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing, I agreed to pay this debt The Agreement that grants authority to collect on this alleged debt. 
A copy of your state license, including license number. 

They have violated my consumer rights and failed to validate this debt at my request ; which is an FDCPA violation and they continued to report a disputed debt which is an FCRA violation. The FCRA requires the company and bureaus to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Product: Debt collection

XXXX XXXX XXXX is threatening to execute a judgment obtained without proper service, and there are concerns they might use it in a deceptive manner. I haven't informed them of this issue yet, fearing potential retaliation. 
XXXX XXXX XXXX initially contacted me regarding an old debt in XX/XX/XXXX, representing Absolute Resolutions VI LLC. This was my first contact with them, and upon checking, I found the last activity on the account dated back to XX/XX/XXXX. 
In response, I disputed the debt due to exceeding the time limits for collection. I requested proof of the last activity date, stating that the debt surpassed the statute of limitations, and further discussion was unnecessary. 
They replied on XX/XX/XXXX, including a copy of a judgment granted on XX/XX/XXXX, which I was unaware of. They attempted to serve me at an address where I no longer lived, and hadn't for four years. 
Upon investigation, I found evidence suggesting they should have known about my new address. The lawyer who filed the suit, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, should have easily determined the correct address. This raises questions of either a failure in due diligence, an incorrect address from Absolute Resolutions VI LLC, or a deliberate attempt to serve papers at an outdated address. 
The last possibility may seem like a strong allegation, but there are reasons supporting it : XXXX. I have a credit report from XXXX listing my current address since the change in XXXX, available to any collection agency. 
XXXX Letters from XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, representing Absolute Resolutions VI LLC , show they knew my correct address. Speaking with XXXX XXXX XXXX, they told me that it is the responsibility of the collector and not the holder of the debt, Absolute Recovery VI, LLC to update the debtors address and will sue skip tracing if needed to get this information. 
As I prepared to inform the court about this, XXXX XXXX XXXX sent another letter threatening to execute the judgment. Given the lack of my knowledge about this judgment and its potential deceptive use, there should be a way to prevent them from taking action. 
My plan is to notify the court in XXXX XXXX, New York, where the judgment was filed. I hesitate to directly complain to XXXX XXXX XXXX, unsure if honesty is the best course given potential retaliation. I hope filing a complaint with your office will lead to a resolution without retaliation or deceptive practices from XXXX XXXX XXXX. 

XXXX XXXX : I have confirmed that XXXX XXXX XXXX, XXXX. now works at XXXX XXXX XXXX and can be contacted via ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Verified through XXXX XXXX XXXX I have contacted Absolute Resolutions VI LLC XXXX  XXXX XXXX XXXX and they told me to contact XXXX. 
They are located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX I found a compliance office contact at XXXX XXXX VI XXXX : XXXX XXXX, Chief Compliance Officer - XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) Contact name listed as XXXX XXXX
Product: Debt collection

I disputed items inaccurate on my credit report. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking over my inquires & I noticed the inaccurate inquires I am not aware of that I called & disputed 30 days ago is still on my report. I contacted the creditors & bureaus provided all documentation stating Im not aware of this. Yet this is still reporting. Please remove these inaccurate inquires from my report ASAP!. you are going against the law section 609 of the Fcra XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. 

They failed to provide my ARS report. 


- They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Checking or savings account

Citibank closed my checking and savings accounts because I received the PPP funds into a personal account. 

I am an independent XXXX and do not have a registered business. Citibank accepted and released my fund a while ago, only for them to freeze my accounts 3 months later. 
Back in XX/XX/2021, the Biden administration set new regulations that made independent XXXX  and XXXX  employed people eligible and therefore banks should not expect independent to provide a registered business documents. 

I sent Citibank copies of contract agreements, W-9 form . When I applied for PPP, I never claimed to have a registered business. I used my name, social security number, XXXX XXXX  and XXXX  C. 

Im delinquent on all of my bills because of this
Product: Vehicle loan or lease

To Whom it may concern, Myself XXXX XXXX XXXX XXXX ) Car loan/ House Loan ) XXXX XXXX XXXX ( XXXX XXXX XXXX car loan and mortgage ) and my XXXX XXXX XXXX XXXX XXXX ) XXXX mortgage ) ( i have power of attorney for her ) We all had loans with wells Fargo in the years XXXX and would like to be added to the law suit of being charged extra fees and interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting that the first major delinquency on my XXXX  XXXX account was XX/XX/XXXX. I settled the account in full on XX/XX/XXXX. The first major delinquency was XX/XX/XXXX and the last payment date being reported by the creditor is XX/XX/XXXX. I have attempted to get this inaccuracy corrected since XX/XX/XXXX to no avail. I have made multiple disputes of the information. XXXX  is reporting the information correctly, Equifax has the dates inverted. This has caused me to be denied credit increase, pay higher insurance premiums, and get a higher interest rate on my mortgage applications. 

Additionally, I have disputed an authorized user account appearing on my credit that I was not aware of. The account was removed but Equifax continues to report a late payment that I am not responsible for nor had any knowledge of.
Product: Credit card

Since the opening of my Apple credit card it has been nothing but issues. First it was the false claim of no interest for a year or two, then it was the fraudulent charges that I called to dispute and wasnt aware werent disputed, the terrible customer service every time I tried to contact Apple for answers. I paid off my card like I always have at the end of every month! The last time I paid it off was XXXXXXXX XXXX. When checking it at a later time I noticed more fraudulent charges on it and called again to dispute XXXX XXXXXXXX {$300.00} with no further explanation they said they did all they could do!! I also noticed Apple was charging me for interest right away, as well as unauthorized Apple payments and then doubled the transactions that were paid to Apple. It still has a remaining balance of {$560.00} that they have still not reimbursed.. they charged off my account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

HARASSMENT : I have several dispute trying to remedy your mistakes in my Credit Report about my Bankruptcy. My Bankruptcy is more than 10 years old. This mistake has been impacting my financial status, causing irreparable damage in my economy. The investigation conducted by XXXX XXXX and XXXX about the time of my bankruptcy took less than one week. I contacted the United States Bankruptcy Court XXXX XXXX to get more information about my bankruptcy and the response was they do not report at any Credit Bureau XXXX I contacted the Company LexisNexis Consumer Center too and I received from them an email saying that they need information about myself. So if they don't have my information, in this case how can the company report any information. Otherwise, XXXX XXXX made the same investigation about my issues with my Credit Report and took my case seriously and Deleted it from my Credit Report. Then, why does XXXX and XXXX doesn't take my dispute seriously, I am taking this flippancy as Harassment, just because I am XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to properly investigate inaccuracies in my credit report. Despite my submissions Experian consistently responds within XXXX stating is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a XXXX XXXX acct # XXXX this account is closed How can there be a past due amount for {$7300.00} with Equifax still reporting on this acct as of XX/XX/2020 my limit on this card was {$4500.00} how is my balance higher than my limit. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX same acct # XXXX with my credit limit of {$4500.00} a balance of {$7300.00} acct closed last report XX/XX/2020.