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

I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... .the response they sent is uploaded Accounts in question was : XXXX XXXX XXXX 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 when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts
Product: Debt collection

TransWorld Systems Inc. a collection agency which I never dealt buniness with or signed a contract. Whithout any initial contact with me, Reported my name to all XXXX Credit Bureaus Agencies, cause my credit Scores to drop XXXX points ; regarding an alleged debt of {$190.00} from a Utility Company name ; XXXX XXXX XXXX. another company that I don ; t even know or opened utility service in XX/XX/year>. For several years My utility service have been always with XXXX  XXXX.
Product: Debt collection

TSI is attempting to collect on a debt they no longer have any legal right to collect on and reporting these collection accounts on my Credit report. This is debt has been transferred to another agency and this agency has filed suit for the collection of these two accounts XXXX is the debt owner and on XX/XX/2018 XXXX and XXXX filed suit on these debts and on XX/XX/2018 TSI reported these debts as new collection accounts. I have already hired the XXXX XXXX of XXXXXXXX XXXX to respond to this suit and I will be filing further suits against XXXX and TSI if this can not be resolved promptly. 

I have been dealing with this situation for 18 months and have made numerous offers to settle the debt in full if I could be provided with proof they were the owner of the debt and that they would enter into a payment plan which laid out payment in full. But I was given the run around by 7 agencies and now I am being sued. 

COPIED EMAIL : XXXX XXXX XXXX AttachmentsTue, XX/XX/XXXX, XXXX XXXX ( 6 days ago ) to XXXX, XXXX, secretary I am writing as I have not received a response to a certified letter that I sent on XX/XX/18, and since that letter I have been served with a lawsuit by another debt collector for the accounts listed below : XXXX Alleged Amount Due : {$27000.00} XXXX Alleged Amount Due : {$14000.00} I have attached a pdf of the letter that was mailed to TSI and which I have already received the return receipt to confirm that your office has received the letter I sent. 


Nevertheless, this email is a final attempt at direct communication and resolution to this matter. If TSI does not remove the collection account for all three CRA from mine and/or any assigned cosigner the next correspondence your company will receive will be from my attorneys office XXXX XXXX of XXXX XXXX XXXX XXXX. It is illegal for your company to place a collection account with any CRA if there is a pending lawsuit that questions the validity of the debt furthermore I have documented evidence that TSI illegally entered into a payment agreement on an invalidated debt and that you entered into this agreement with me as I was under duress of other pending legal action. 


I am requesting that this collections accounts be removed from all CRAs within 10 days from today XX/XX/18, and that you send me a copy of all the requests to have these collection accounts removed and a notice in writing that you will no longer be reporting this debt as you are not the entity who has filed suit for this alleged debt and you are no longer legally allowed to attempt to collect on this alleged debt. 


Please also inform XXXX that I will be filing a counter suit in response to the suit they have submitted against me for this alleged debt. 


Sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

XXXX XXXX XXXX DEPT OF ED/XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter stating I was sent to collections for rent due in XXXX & XXXX of XXXX at XXXX XXXX. This is incorrect information, I did not live at XXXX XXXX after the end of my lease in XXXX of XXXX. The debt that was sent to collections isnt mine nor did I sign a lease for those dates. The management company has been unable to produce my lease from XXXX or the lease from XXXX. They cant not find it and it is assumed to be lost. I called IQ Data and spoke with a man who was deeming, respectful, and just plain difficult. He gave me false information stating my letter was returned to sender when I tried to get more information on what was returned to sender he just kept repeating the letter was returned to sender. I asked him if he received my dispute letter to the po box and he replied I dont check the mail, thats not my job. He would not explain or help assist me in anyway. I called back a few days later and spoke with another man who was EXTREMELY helpful and restored my faith in this company. He walked me through the process, explained my options, explained what was returned to sender ( the letter they sent back to me, not my dispute letter ), and stated the collection agency is also trying to get the lease from the management company, which they have still not provided to them either. He was honest, kind, and so helpful. I then spoke with the management company who said she can not find the lease anywhere and stated I would not be on the second lease because I had signed another lease with another company and had I been on the second lease at XXXX XXXX they would not have leased me another apartment. I agreed. She said she would write me a letter stating it can not be found. I then called IQ Data back and begged the first person on the line to NOT send me to the same person as the first time. They could not and sent me back to XXXX and it was round 2 of this man being extremely unhelpful and difficult. I asked where should she send the letter to and he just stated they have all our information that they need. I asked what I need to do and he just repeated send in a dispute letter over and over and over again like last time. I replied I have already sent the letter and you confirmed you received it why would I need to send another? He just repeated what he had said before. This man was infuriating and extremely upsetting. I understand debt collections isnt customer service but at least the 2nd gentleman I talked to helped me out and explained stuff to me. He was so much kinder and helpful than this XXXX. 

This debt is false information and I dont know what to do next.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX {$6000.00} XXXX XXXX {$29000.00} XXXX XXXX {$17000.00} These credit accounts are the results of identity theft and fraud.
Product: Credit card

I am writing this to tell you that I am not satisfied with what Care credit did. 
I have filed this complaint before. You told me that the complaint was settled the complaint number is XXXX You stated to me that the complaint was settled and that my bill would be XXXX. Well they just sent me a bill again and the bill is for XXXX. They did not give me the relief they promised me.
Product: Vehicle loan or lease

I contacted BBVA Compass Bank on XXXX/XXXX/XXXX notifying them that I traded in the vehicle to XXXX XXXX XXXX XXXX and provided them with the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone XXXX XXXX My payment was n't due until XXXX XXXX, XXXX, so they had plenty of time to contact the dealership and provide the proper payoff amount. In the meantime, XXXX XXXX called Compass Bank with a payoff amount and the automated system stated that it was good for 10 days. XXXX XXXX overnighted a check for {$25000.00} on XXXX XXXX, XXXX and I asked XXXX XXXX if I needed to make a payment to Compass Bank and he told me that I did n't because I no longer owned the vehicle. I called Compass Bank on XXXX XXXX, XXXX to see if they had received the payment and they claimed that they did n't, meanwhile I kept receiving calls from Compass Bank regarding payment and when I inquired about the funds that were overnighted by XXXX XXXX, I kept getting the run around. Actually, it took them over a month to find the funds and although the account it paid in full, they reported my loan delinquent 30 days even though they had the funds in hand. I 've had nothing but problems with Compass Bank and I 've reported them several times because of their lack of concern, misappropriating funds, and some would say incompetence. I want this resolved quickly and I want them to remove that report from all credit reporting agencies. They are being spiteful because I ended my business relationship with them. I simply just got tired of the run around and the unprofessional behavior as well as unknowledgeable personnel that I always had to deal with.
Product: Debt collection

I got a call from XXXX with a case number. The lady threaten to serve me and burn my house down. She threaten to abuse me at my employer. She told me information about someone that is other than myself she was trying to collect for. She did not verify any information. She started to scream and threaten profanities, threaten my life, my home, said there are items in the court record they are trying to serve me papers on. There is nothing. I dont have a credit card with XXXX XXXX. Nor have I ever. The debt if at all in question was deemed fraudulent.
Product: Credit reporting or other personal consumer reports

I was checking my FiCO score and found that they have my loans as being reported twice. I went to try and dispute it and it stated that I had to go to the Transunion site to dispute this. My loans from XXXX are being reported twice and is hurting my credit and even being approved for anything. I need ther to be an investigation immediately to fix this and not just a oh here is your credit report. Someone needs to look into this. My next step is an attorney.
Product: Credit reporting or other personal consumer reports

I would like to follow up and formally express my continued frustration and disappointment with the unresolved issue of fraudulent items on my credit report, despite my several attempt to rectify the situation. Despite providing comprehensive evidence and following the prescribed procedures diligently, the fraudulent items persist on my report. This ongoing issue not only undermines my financial credibility but also reflects negatively on the accuracy and integrity of the credit reporting system. Under section 605b of the Fair Credit Reporting Act ( FCRA ), it is mandated that any accounts found to be opened due to identity theft must be promptly removed from my credit report upon receipt of an FTC fraud report. I have previously submitted all necessary documentation to support my claim, yet the fraudulent accounts listed below remain on my credit report : The persistence of these inaccuracies is causing significant stress and has a detrimental impact on my financial stability. I request that you would help me conduct a thorough investigation into these fraudulent items and take immediate action to remove them from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter and to receive written confirmation once the corrections have been made. 
Please help me remove these items immediately : Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for XXXX XXXX XXXX credit card on XX/XX/XXXX and got approved. 
I did not have a XXXX XXXX account at that time. 

I later tried to open a XXXX XXXX account on XX/XX/XXXX and could not use my email address as that was already used for another account and that is how I learned that Chase created a XXXX XXXX account using the information from my Chase account. 
The problem is that they used wrong information for my name and mailing address so I could not activate or sign in with that account. So I created a new account instead. 
I asked Chase about this and they said the reward points were posted to the account I could not access. 

As I was not able to access the account Chase created, I asked Chase to transfer my reward points to the new account via a secure message on XX/XX/XXXX. 
On XX/XX/XXXX, Chase told me that they can't do this because my information is not matching on my accounts and need to contact XXXX to combine my XXXX accounts and update my information. 

I contacted XXXX and tried to combine XXXX accounts but i was not able to do so as the account Chase created did not have correct information. I tried to resolve this issue through XXXX multiple times but could not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX, I have disputed an account ( XXXX ) to which I have no knowledge of. Equifax has refused and neglected to provide me with any verifiable proof that the account belongs to me. I submitted a follow up letter in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have not received anything from them regarding this account but they continuously update the Date Last Active. 

Also, I have disputed certain inquiries from Experian on my report, and that too, have been ignored. These accounts have no permissible purpose on being my report : XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I turned XXXX and im serious on buying a house for me and my family and was told i have 10 to 12 of these listing of hard inquiries and inquiries, US SM ADMIN XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I have submitted multiple disputes via priority mail which provides a tracking number, in XXXX, XXXX, XXXX, XXXX and as recent as this month of XXXX, and my identification has been mailed in each time, Equifax keeps stating that the identification is illegible ( stall tactics ), or I'll receive a notification that states they don't believe that I'm the XXXX submitting the dispute ( another stall tactic ). My identification is being mailed in and not uploaded, so I can clearly see that all the copies that I'm sending in are very clear and legible. I have sent in my driver 's license multiple times, as well as my passport and social security card. I have previously sent in a bank statement with my address. My disputes are in regard to the XXXX bankruptcies that are listed on my Equifax credit file. As I reported to you all previously that I haven't been able to access my Equifax credit file for XXXX XXXX years, and Equifax simply replied back to my complaint with CFPB with a system generated response and not even addressing the issue that I wrote the complaint about. I just accessed my Equifax credit file through a XXXX party vendor and now I can see the erroneous and incorrect information that Equifax has listed, there are XXXX bankruptcies listed : XXXX. 
Original filing date : XX/XX/XXXX Reference number XXXX Record type Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Original filing date : XX/XX/XXXX Reference number XXXX Record type Bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX AS THE LAW IS WRITTEN AND THE LAW STATES I WOULDNT EVEN BE ALLOWED TO FILE AND HAVE XXXX DISCHARGES WITHIN THAT REPORTED TIMEFRAME : You cant have XXXX or more XXXX XXXX discharges if you received XXXX within the last XXXX years is 11 U.S. Code 727 ( a ) ( 8 ), which is part of the United States Bankruptcy Code ; specifically, this section denies a discharge if a debtor received a XXXX XXXX discharge in a case filed less than XXXX years before the current filing. 

This information is incorrect and damaging because I have never filed XXXX Chapter XXXX Bankruptcies. Please note that under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to ensure the accuracy of the information reported and to respond to disputes in a timely manner.
Product: Checking or savings account

XXXX Subject : Refund Request for Counterfeit XXXX XXXX I purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) from Mercari , Inc on XXXX, XXXX for {$100.00}, but Ive confirmed they are fake. The serial number on the case isnt recognized by XXXX XXXX 

Selling counterfeit items violates Mercaris rules. Im requesting a full refund for this order.

Please resolve this quickly.

Please enclosed the evidence of the fake serial number
Product: Mortgage

My name is XXXX XXXX In XXXX my husband and was leasing to own a home in XXXX  that the owner who was also a realtor asked for XXXX for the home. My husband and I had low credits score and we applied for a mortgage loan with well-fargo for the XXXX with an adjusted yearly interest rate at that time of purchase interest was 6 percent. The wells Fargo home loan officer we were working with told us that we had to also take out a two loans because our credit score was low so we had the 1st loan for XXXX that the realtor wanted for our home, plus we had to take 2nd loan for XXXX with a very terrible interest rate of 18 percent for our home that wells Fargo said we had to do. We were both young and excited to be purchasing a home as XXXX XXXX homeowners. We paid that extra mortgage of XXXX with XXXX interest rate for over XXXX. We sold the home in XXXX. I am reaching out to you because we believed we were treated unfairly and was racially profiled and judged because of our low credits score and race. I know there are more people that were manipulated and treated unfairly as well. Because of well Fargo negligence. We still have no idea why we had to purchase a 2nd mortgage of XXXX other than what wells fargo said. Which we believe was unjust please let me know if you can help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information 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 ) A person shall not 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.
Product: Credit reporting or other personal consumer reports

My information has been exposed in the Equifax data breach. The following items are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately.I 'm a victim of identity Theft. 

XXXX XXXX Balance {$20000.00} XXXX XXXX XXXX Balance {$16000.00} XXXX  XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX Balance {$1600.00} XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXXXXXX XXXX XXXX Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}