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

I have sent several letters to Experian, XXXX and XXXX, on XXXX XXXX XXXX XXXX XXXX, urging them all, to not only make sure my personal information is correct and current but also to remove any incorrect or outdated information about me, from my credit report. I have also asked for validation of several accounts that are reporting on my credit report without my consent. The only responses that I have received back ; if any, are that they have not done an investigation because of ridiculous claims that I myself have not been the one disputing the unwanted, incorrect and inaccurate information on my credit report. Please assist me in this matter to get the credit bureaus to obey and follow the laws and clear up these inaccuracies on my credit report immediately. Thank you.
Product: Mortgage

My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... ....
Product: Debt collection

I was an emergency room patient at Presence XXXX XXXX, XXXX, IL from XXXX XXXX, XXXX through XXXX XXXX, XXXX. I, allegedly, was seen by a doctor belonging to the XXXX XXXX XXXX of XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I started receiving phone calls from Escallate , LLC, a debt collector apparently collecting for XXXX of XXXX XXXX, XXXX. I verified my home address with them, and they agreed to send a letter of verification of the debt. To this date, I have not received any verification of the debt, any written communication what-so-ever from the collection agency, or any statements or written communication from XXXX of XXXX XXXX, XXXX. 

The collection agency broke numerous provisions of the FDCPA in attempting to collect this debt, which are outlined in the attached letter. Additionally, XXXX of XXXX XXXX, XXXX, practicing in a non-profit hospital, XXXX XXXX XXXX, violated provisions of the newly-enacted IRS 501 ( r ) regulations, by failing to explain financial assistance policies and failing to send a 30 day notification of Extraordinary Collection Actions. 

After allowing the agency 30 days to send the notification they promised, I drafted a letter to the agency. On XXXX XXXX, I mailed a Certified Letter to Escallate , LLC, outing the laws that they broke and requesting that they cancel the account. I never received a response to this letter, which is also attached. 

Lastly, I was notified that they placed the account on my credit report in XXXX, XXXX, which means they violated further laws by failing to verify the debt prior to it being placed on my credit report. They are also reporting the Date of First Default as XXXX, XXXX. Having been seen on XXXX XXXX, XXXX, the Date of First Default has to be at least XXXX XXXX, XXXX, under provisions set forth in the FCRA. 

It is my firm belief that the collection agency engaged in deceiving practices by promising to send me written verification of the date and failing to do so, thereby exhausting the 30 days consumers are allowed to dispute a debt prior to it being reported to the credit bureaus. They have violated multiple provisions of the FDCPA FCRA, and 501 ( r ),
Product: Credit reporting or other personal consumer reports

3 closed complaints before XXXX XXXX  means there all computer generated responses THAT DO ABSOLUTELY NOTHING TO FIX ANYTHING AS REQUESTED FORWARDED TO F.T.C AND D.O.J
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are reporting inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX XXXX  accessed my credit file with Transunion without my permission. This is a fraudulent inquiry, which I did not authorize, since I never authorized anyone employed by XXXX XXXX  OR ANY OTHER COMPANY, and including the agency copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts I got,  and placed a security freeze to my credit file. XXXX is the only out of 3 agencies that have not put the freeze as requested, that both Transunion and XXXX  did, and this in addition to several other inquiries started after the XXXX data breach publicly known.
Product: Credit reporting

I signed for an apartment complex for my brother. There were issues with the apartment from the start. After the first week we received a {$750.00} light bill from the previous tenants. If was very hard to get in touch with corporate b/c the rental agents refused to give me their info. My brother had a home invasion a few weeks later, while he was in the shower. I was finally able to get in touch with corporate after some online research. I had a meeting with the property manager who agreed that he could break the lease and move out without any consequences b/c of the previous situations we had. The complex is now XXXX so i can not talk to anyone in regards to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX XXXX XXXX in which there were several reasons as to why the debt was not valid and should not be appearing on my credit report. I submitted the complaint to XXXX and successfully had the account removed. 
However, In XXXX of this a collection agent, National Credit Adjuster, who had apparently purchased this account posted an unpaid collection on my credit report with experian. I have made numerous attempts with XXXX to dispute this item on my credit report and have had no success. 
If the original underlying account was found not to be reportable then the subsequent collection of that same account should not be reportable as well.
Product: Credit card or prepaid card

XX/XX/2021 I applied for an XXXX  credit card through comenity bank. I was told Id get something in the mail. I received a MasterCard with a credit line of {$1000.00}. I registered it on or about XX/XX/2021. On my account today it says I have {$1000.00} credit line but I tried to use it today and through phone calls found out the condmity closed the account punt. They said they sent a letter but I do not recall receiving a letter about XXXX rewards MasterCard. I called the first time to see why it was closed and it took me through a menu stating that the issuer closed the card and no contact info provided to investigate. I called again, and the third and this time I didnt enter my a count number so I could get to an agent. I told her that they make it impossible to talk to a live person by putting all the layers in place and that I wanted to file a complaint. She said she didnt know how. I asked to speak to a manager and told her what happened. She say the letter says it was because I had previous negative accounts with comenity bank. I asked her then why did they approve my account? These are old accounts that have been charged off by the bank and other firms are trying to collect the debt. I told her Im trying to rebuild my credit and once its charged off how do they use that negative info to close a card they actually issued snd mailed to me. I registered the card and activated it on or around XX/XX/XXXX and yet the manager says the closure notice went out before that. She told me to go to comenity.net/ultimate rewards and there is a menu I can use to contact customer service. The issue is that the site says my account does not exist. These are deceptive business practices where they build layers of barriers into the consumer process to frustrate so they dont have to answer questions like mine. So I didnt get to submit a complaint. They make it impossible to talk to a human being or email them by making it dependent of the account info entered : this is obviously a huge error on thier part yet theres no accountability here. When I went to comenity.net/ultimate rewards I got an error message that I will attach. Also when I tried to enter my credentials I have attached that error message as well.
Product: Credit reporting 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. 
I ask XXXX, XXXX, and Equifax to reinvestigate these accounts : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.I demand the following accounts be verified or removed immediately : FRAUDULENT ACCOUNTS Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Account is fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX The requested investigation did not provide the documentation or update my credit report therefore they ... XXXX XXXX XXXX XXXX have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a person loan to start my new business. Long story short I wasn't approved so it prompt me to check my credit report. I see items on my credit report that are not mine. These items are not mine and I need these items removed from my credit report. I've contacted the FTC and the police and I'm doing this myself. XXXX XXXX, XXXX, XXXX, XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX-XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, CXXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXX the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
Product: Checking or savings account

I have tried closing our business account 4 times with PNC. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX- they said it was closed ( the XXXX and XXXX, they had to get things, I got the run around, etc ). 
On XX/XX/XXXX I saw it wasn't close and a {$22.00} fee was charged for maintenance. I chatted with them, and they said it would be waived, but they couldn't do it then since the fee was still pending and hadn't hit the account yet. I specifically asked them to note my account that the fee should be waived. When I asked why it was't closed on the XXXX like I was told ( in writing on he chat the agent told me " the account would be closed in minutes '' ) but apparently they missed something and it wasn't closed. 
When I reached back out through the chat on XX/XX/12- they said they couldn't wave the fee.
Product: Checking or savings account

On XX/XX/year> I deposited in an ATM {$400.00} cash and it did not offer a receipt. I contacted the bank on same day by phone to advise them of this issue and they said they would research it. On XX/XX/year> they sent a letter advising they were reviewing my request. On XX/XX/year> another letter stated that they did not find a record of any deposit of the {$400.00} cash at that ATM machine on XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I visited the local branch on XXXXXXXX XXXX XXXX XXXX to complain about the response of not finding any deposit. Then I have now contacted your agency to help me with this issue. It is a Citibank NA ATM machine at a location that does not have human service just standalone ATM machines.

The reference number on the two letters and my complaint to Citibank is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I tried to get a new cell phone plan. We learned that our credit reports were frozen. Yesterday ( XXXX ) I worked to contact all three credit report companies to have the freeze temporarily lifted. I was successful in doing this with XXXX and XXXX  since these firms have human customer service agents who worked with me to fix the problem. Experian, however, is another story. No matter what I did I was not able to fix this problem, and I was unable to get connected to a human agent. I later learned that Experian doesn't have any human customer service agents working in the US. I had to send them a letter with my personal information and will have to wait to get a resolution. They are essentially holding me for ransom. I suspect that if I had a paid membership, they would provide human support. This XXXX company SHOULD NOT be allowed to do business with Americans and collect money on their " service '' and selling our data without providing human customer service as do the other firms that are American companies. I would love to be able to " QUIT '' Experian. But I can not since they have me and every other American by our short hairs. The CFPB should FINE and heavily regulate Experian and encourage congress to pass a law forcing all credit reporting companies operating in the US to provide human customer service with a waiting time not to exceed 10 minutes. I have sent letters to my Representative in the House and to my two Senators with this same complaint.
Product: Mortgage

XXXX XXXX Transferred/Sold my account to Specialized Loan Servicing, which part of computer share group. 

In my attempt to communicate with such company it has failed. I am formally complaining about the following : 1. Mismanaged and appropriation of funds- When making a payment to my Principal Balance, it does not posted on the month when the deduction from my bank account happens. What that means is that they keep my money and when ever they feel like it they posted, which in turn my money is not working for me as every day counts. interest rate does not stop, in my case my mortgages interest is daily therefore my money is not working for me. A recalculation of funds should be done monthly and appropriate credits to account. 
2. They don't allowed for me to pay my home early- I tried paying my house bi-weekly, this did not work. although they were taking the money out my bank account, XXXX did not posted until the amount was due. Therefore it did not make sense to pay 2x month. This is different form making a principal balance payment. 
3. Making it hard to take PMI out- my house had doubled in price, they would not accept my request to removed it. the mortgage balance is halve of what the house is worth. 

I have made my payment on a timely manner from the moment they became my servicer, never have I been late. I must add getting through their auto attendant is a task as they make it impossible to talk to a live representative. the system hangs up on you if it does not like your answer, how about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I most unfortunately entered into a Debt Consolidation withXX/XX/XXXX They did not disclose how detrimental this would be to my credit report with negative reporting XX/XX/XXXX months later! 
XXXX XXXX XXXX acct was reported at the start, It went to XX/XX/XXXX for settlement. The account was being paid for XXXX months when XXXX reported the Same debt to my report XX/XX/XXXXmonths After the debt went into default and WAS being paid. 
Now XXXX took the account back from XXXXXX/XX/XXXX this past XX/XX/XXXXXXXX XXXX because I was complaining about what had happened. 

My XXXX XXXX went down XXXX More points over an account that had Already hit my report. I am suffering twice the hits for the same debt! And I was paying through XX/XX/XXXX Both XXXX and XXXX refuse to fix this obvious detrimental mistake to my credit report. 
Lastly, XX/XX/XXXXXXXX totally misrepresents what and how they do things with their Oral Pitch, but even their contract does not state your accounts will go into collections and appear on your credit report. 
I naively thought the opposite as I had a good credit rating when I made a decision based on false claims. They said my credit report would start correcting itself after XXXX months.. my XXXX XXXX is now XXXX XX/XX/XXXXmonths after paying {$3600.00} to XX/XX/XXXX 
They are devastating my credit without care or any inclination to fix the fact this was reported Twice! 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was previously a victim of identity theft and had several accounts opened under my name without my knowledge an account by XXXX was among those debts and previously blocked from my credit report now it has been sold to another collection agency and placed back onto my credit file when it is supposed to be blocked I have submitted police reports and identity theft reports and it is still being put back on my credit file XXXX XXXX XXXX /XXXX acct no. XXXX XXXX opened XX/XX/2021 XXXX XXXX
Product: Credit reporting or other personal consumer reports

Blockfi 's payment portal was not working in XXXX and their customer support number ( XXXX ) listed on the back of the card is also not functioning. I called this number when the payment portal was down to check how I could make the payment but this number was not working at all. And then the card was reported delinquent ( 30days late ) by XXXX  which is the underwriting company. How can i make the payment when blockfi 's payment portal and customer support number were not working at all.

Then deserve opened a new payment portal and the card was paid off since then. The card has {$0.00} balance as of now. 
XXXX, the customer support manager who i spoke to in XXXX asked me to open a dispute with credit bureaus and told me the dispute department will fix delinquency reported issue. I have tried to dispute this with all three credit bureaus but XXXX is not fixing it. They keep sending the same result ( XXXX being late payment ) to all my disputes. 

I have called them several times and sent them several emails since then with no results. 

This has severely affected my credit score and has given me trauma as i was preparing to buy my first house. Please help me get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 I wrote to Experian and XXXX  credit bureaus regarding some suspicious accounts reporting on my credit report. i also tried contacting the business that is reporting this information but XXXX  and Experian do not have any numbers or addresses listed on their credit report so i can contact them. Experian and XXXX  are reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is reporting on my consumer file without my written permission. Violation of 15 usc 1681 section 602a and 15 usc 1681 section 604a section 2. Please remove this account. Each violation of this has a {$1000.00} fine
Product: Credit card or prepaid card

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$840.00} MIDLAND CRED XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00} MIDLAND CRED XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$2400.00}