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

This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX XXXX, account number XXXX ; 2. )  XXXX XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) XXXX XXXX, account number XXXX ; 5. ) XXXX XXXX XXXX, account number XXXX 6. ) XXXX XXXX, account number XXXX ; 7. )  XXXX XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need thses account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXXand
Product: Debt collection

I received ( 4 ) four bills from XXXX , IXXXX XXXX XXXX XXXX XXXX , MO XXXX XXXX. For charges that I have no knowledge of. 
Bill 1. consumer # XXXX client reference # XXXX Amount {$30.00} Bill 2. account # XXXX consumer # XXXX Amount {$290.00} Bill 3. account # XXXX consumer # XXXX Amount {$180.00} Bill 4. account # XXXX consumer # XXXX Amount {$160.00} with the total of {$670.00} that is been reported to the three credit bureaus. I called XXXX AND TOLD THEM THAT I DID NOT HAVE THESE BILLS. I DID NOT KNOW WHO MADE THESE CHARGES. I ASK THEM TO STOP REPORTING TO THE CREDIT BUREAUS ON MY SOCIAL SECURITY. I ASKED THEM TO REMOVE IT FROM MY CREDIT REPORT THEY REFUSED. THEY SAID IT WILL STAY ON MY CREDIT REPORT UNTIL I PAY. PLEASE ASK THEM TO REMOVE THE FOUR CHARGES FROM MY CREDIT REPORT. I HAVE CALLED THEM MORE THEN 10 TIMES. THEY STILL REFUSED TO REMOVE IT FROM MY CREDIT REPORT. I FILED 4 DISPUTE WITH THE 3 CREDIT BUREAUS THEY ALSO REFUSE TO REMOVE IT FROM MY CREDIT REPORT. I HOPE YOU CAN HELP RESOLVE THIS ISSUE.
Product: Debt collection

OVER THE PAST YEAR D & A SERVICES, XXXX XXXX KEEPS CALLOING MY HUSBAND CELL ( XXXX ) XXXX AND MY CELL ( XXXX ) XXXX 19 TIMES COLLECTIVELY AND HAVE DOCUMENTED AND SCREEN SHOTS FOR LEGAL COUSEL, THESE BELONG TO XXXX XXXX.
Product: Debt collection

I do not owe any debt for what National Credit Systems is trying to collect on. I have attached a signed letter from the original creditor XXXX XXXX written by them on their official letterhead stating no money is owed on the account. Despite this obvious evidence, National Credit Systems has falsely reported the debt as an active collections to all 3 major credit bureaus. I need it deleted yet they refuse to do so as they are falsely claiming the debt is not owed with the official letter from XXXX XXXX states otherwise.
Product: Checking or savings account

I am disputing four transactions made from my sons checking account ( Account ending in XXXX. My son is a minor and I am joint on the account. ). These were disputed on XX/XX/XXXX over the phone. Additional documentation was provided at the branch on XX/XX/XXXX. Communication dated XX/XX/XXXX was received confirming no additional action was required. It also noted that {$80.00} would be credited to my sons account. This has not occurred. I received a letter from Huntington dated XX/XX/XXXX indicating that a portion of the dispute was being denied. I attempted to resolve this at the branch on XX/XX/XXXX with XXXX for over an hour. Because this could not be resolved, she committed to returning my call on the XXXX. I did not receive a call. I followed up on XX/XX/XXXX via phone and left a voicemail at XXXX XXXX. I still have not received a return call from the branch. 

Today I again attempted to resolve this via phone and was unsuccessful. I have asked for Huntington to provide me with evidence that supports their perspective that the claim was resolved in part and canceled in part. Huntington is indicating that information was not received on two transactions totaling {$35.00}, but this request was never received. Additionally however when I went to the branch on XX/XX/XXXX, I was assured by XXXX that nothing additional was required. 

Huntington also indicated that two transactions totaling {$80.00} were rejected by the institution however they can not provide me evidence to that effect. I feel like my son is owed {$110.00} for these disputes or satisfactory evidence should be provided to demonstrate that the letter they sent to us was incorrect and poorly drafted. I feel that the letter was deceptive and not able to be understood by average people. I was referred several times to the statement as it is the complete evidence of an account. Because the transactions were not reflected on the statement, they never occurred, and therefore they could not be disputed. The letters from Huntington are deceptive, incomplete, and take advantage of the consumer. 

Huntington owes my son the money for the disputed transactions. I want it refunded to his new account. Alternatively, if the money is not owed to my son, I would like to see evidence of that. So far they have been unwilling/unable to commit to providing me that.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX, Last 6 digits of the viin XXXX was totaled last year XX/XX/XXXX. The insurance paid its part about $ XXXX XXXX insurance took a while to pay theirs which was the balance of about {$5100.00}, and XXXX reported it as a missed payments 3 times. XXXX insurance has made a payment of about {$3200.00} since XX/XX/XXXX leaving a balance of about {$1800.00} which is a refund for extended warranty. 
XXXX has since refused to update my current account and it is still reflecting missed payments and the old balance of about {$5100.00} instead of new balance of about {$1800.00}. Nobody is willing to help me remove the late payment from my account. This is affecting my efforts to get pre-qualified for a mortgage loan. None of this is a direct fault from me and I don't think I should be seen as missing a payment when XXXX told me to stop all payments the moment my car was totaled. That was a 3 way call between me, my insurance agent and XXXX XXXX representative.
Product: Credit reporting or other personal consumer reports

There are items on my credit report fraudulently that is harmful to my full faith in credit, There are no liens against any variation of my name in the state of New York and I have it certified. So how then are these imposters allowed to report fraud against my name for other corporations to make determination thats is violations of my rights.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, we were contacted about a puppy for sale. We talked to the " sellers '', and requested live video. When it was time to make a payment for the puppy, we were going to use another payment option, but the " sellers ' suggested that we use XXXX because it was affiliated with our bank. I did a search and sure enough they were. This made me feel more comfortable because it was linked with our bank. Chase was advertising XXXX, I'd been with my bank for over 10 years and trusted them. I felt confident in knowing that since my bank affiliates with this service, then we are protected. We paid for the puppy and it's transportation. Afterwards we realized that it was a scam and contacted our bank immediately, but had to wait to speak with claims because they were already closed. We spoke with them on XX/XX/XXXX, and was essentially told too bad, your loss. Their response was that because we used XXXX and initiated the funds they would not help us, stating it's their and XXXX 's policy. They even sent a letter a day later ( some investigation ) that " as we discussed and AGREED UPON '', no action will be taken, the inquiry is resolved. The only reason we went with XXXX is because it was affiliated with our bank. Now they're pretty much saying, you're a loyal customer and even though you used a service that you trusted because our name was associated to it, and you trusted us, it's your loss, it's policy, no refund. No investigation to try and get our money back when they clearly know the bank the funds got transferred to, and definitely no regard that we contacted XXXX and informed them that we paid for a background reverse number check and found that this " company number '' was reported to them back in XXXX and they continue to let them utilize the service and scam people. The only reason we used XXXX and thought it was creditable and safe is because it affiliated with our bank. These services know people will use them and not look too much into their policies because their name is attached to their bank, and people trust their bank for protection. Banks like Chase could care less about getting their customers money back because it's not in their interest. It's our fault for trusting our bank.
Product: Credit reporting or other personal consumer reports

I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. 
Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
******IMPORTANT****** PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to funishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

The Northland Group Inc XXXX XXXX XXXX XXXX MN XXXX reference # XXXX tried to collect a debt from me that was covered under my bankruptcy chapter XXXX case # XXXX
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 XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  : XXXX XXXX XXXX XXXX  : # XXXX XXXX & XXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  XXXX XXXX  : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX 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 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: Student loan

Navient sent my two school loans to XXXX. I received two letters from XXXX stating they were both forgiven with {$0.00} balance. Now I'm receiving mail from Navient saying I still owe the money for two loans. 
I wrote to Navient with copies of the letters showing they were both forgiven and they wrote back saying that was for my other loans but I don't have other loans. They didn't offer to show what other two loans they were talking about. I've been in their program for over 30 years and attended a XXXX XXXX that defrauded many by promising more money but in reality it was not. Now they have reported this to the credit bureau and I would like that removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion my written dispute letter on XX/XX/2020. The letter was sent certified with tracking in which it shows that they received it on XX/XX/2020 ( Tracking # : XXXX ). Today XX/XX/2020, it has been a total of 45 days without a response from them. I sent TransUnion another letter on XX/XX/2020, for the nonresponse. I don't know why it's taking them this long when XXXX  and XXXX  both responded back to me within the 30 days.
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is TRANSUNIONs to be reporting correct and accurate information on my credit report and file, however they are NOT. TRANSUNION is reporting 2 inaccurate late payments for the XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. 
Furthermore, pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( 5 ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than seven years.

Here Adverse items are delinquent items.

I have already contacted TRANSUNION two times via letter correspondence and TRANSUNION fail to correct the item as PAID as AGREED.

It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Checking or savings account

Some added XXXX to my XXXX  account ( which I'm verified ) and withdrew the money off in 3 mins to a XXXX XXXX XXXX ending in XXXX I alerted them as soon as I seen it and XXXX said it wasn't nothing they can do they couldn't give information contacted the bank and ask why the didn't do the verification like they always do when i make a big purchase!!! Basically they saying I can't get my money back and I suppose to b 100. Percent fraud protected
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 instructions ACCOUNT ( S ) : Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX Account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX Account : XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX  ) Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX Acct # : XXXX Account : XXXX XXXX Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX  to SLS. SLS is reporting missed payments on XXXX. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.
Product: Mortgage

My mortgage was purchased by Bayview Loan Servicing LLC and they requested a copy of my homeowners insurance. In order to refinance my property I provided proof of insurance and always maintained insurance on my property. They purchased my loan and have insurance agent 's agent information why not just contact them? It looks like they are running a scam by placing insurance on your property knowing that borrower already has insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXXXXXX XXXX XXXX  ; XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO  XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$270.00} ; XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$53.00} XXXX XXXXXXXX XXXX  XXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Consumer Loan

Bought XXXX cars through Ally financial..payments made are not credited to the proper account or are missing completely. Attempts to rectify this are met with hang ups, or dead end emails and faxes. No one seems to want to actually be responsible.Only XXXX payments made have actually appeared on the correct account. Multiple phone calls lead no where.
Product: Debt collection

Regarding the fraudulent account under my name, with an outstanding balance of {$2200.00}. Despite my earlier communications and provision of necessary documentation, including an identity theft report, this matter remains unresolved. 

As per the Fair Credit Reporting Act ( FCRA ), I reiterate my right to have inaccurate information removed from my credit report. The failure to address this issue is not only distressing but also a clear violation of FCRA regulations. I once again request an immediate investigation into this account and the removal of all associated negative information from my credit report. 

I had hoped that this issue would have been resolved promptly and am disappointed at the need for repeated requests. Please consider this letter a formal notice that, if this matter is not resolved satisfactorily within 30 days of receipt of this letter, I will have no choice but to escalate the issue. This will include filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal advice. 

I trust that XXXX XXXX XXXX XXXX will address this issue with the seriousness it deserves and provide a swift resolution. I am enclosing copies of my previous dispute letters and all relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach and because of that I have had multiple accounts including credit cards and cell phone accounts and an installment loan opened in my name. Also numerous hard inquiries. I have have contacted all XXXX credit bureaus multiple times and they are refusing to remove the information from my credit report. I have filed a report with identitytheft.gov so it is reported that the accounts are not mine.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiry on XX/XX/2024 from XXXX XXXX mortgage company
Product: Credit reporting, credit repair services, or other personal consumer reports

Today ( XX/XX/2018 ) I learned my outstanding mortgage balance is nearly {$10000.00} higher than it was a month ago. I called XXXX XXXX XXXX XXXX  to get it either 1 ) corrected or 2 ) explained why this occurred. Instead of providing help they asked me to send them evidence and mail them a credit dispute. 

I'm mailing the letter tomorrow and will attach the screenshots showing the discrepancy between what TransUnion and XXXX  ( XXXX XXXX ) and XXXX XXXX app. 

Additionally, considering how fraudulent XXXX has conducted themselves in the past, I'm inclined to not pay another mortgage payment until this is resolved.