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

XX/XX/XXXX Letter Credit Bureau On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I mailed off certified letters to the following credit bureaus XXXX, XXXX, TransUnion. I noticed that it has been past 120 days and nothing has been resolved at this point Im still looking at errors on my report that your company havent removed. The only address that is correct is XXXX XXXX XXXX XXXX  FL XXXX. I am now sending my final letter of concern with the following errors and inaccurate information that your company continues to list on my credit file. I must warn you that youre breaking several laws in the Fair Credit reporting Act and it is a violation of my rights. I wont allow this to continue because its very hazardous to my life and my credit profile. I take my personal information very seriously and I know my rights and laws. In this situation my rights have been violated and I have record of the violations including the letters of my credit report of you falsely impersonating to be me over bearing fictious signatures without my consent and going over boundaries which require me to contact my lawyer and other law enforcements for this reason alone. Someone will be in contact with you very soon. You have caused major distress and I will be taking legal actions against your company, I have filed an FTC complaint, in the process of filing a lawsuit. This is an affidavit and an internal dispute. An internal dispute takes 3-5 days and I demand all the inaccurate information to be removed immediately following this investigation. I will call to check on the status of this dispute and write down the names and I will be recording the phone calls. If you intend to send me letters saying you have verified the account or information I will be forced to take legal action that instant. I have attached photos of the inaccurate information that is listed on my credit file by your company. You have 72 hours to remove the following inaccurate errors. We are set for a hearing in XXXX FL for court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX  at XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting

There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast Forward on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full thru XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. XXXX even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular XXXX ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
we've talked to the bank & they've agreed to remove the account. BUT TransUnion has some internal block which they're claiming they can use to not block the account because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5700.00}, XXXX XXXX Date Opened : XX/XX/2015 Balance : {$5800.00}
Product: Debt collection

To Whom It XXXX Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022, by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again, is the incorrect information being reported : XXXX XXXX {$0.00} Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is irrelevant. In fact, the United States XXXX has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( XX/XX/2022 ) is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX days, not XXXX more. 

I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX and XXXX Credit Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on AMEX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Several months ago I deposited in my joint account with a family member his retirement check, and since then it has been withheld and not returned.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) and 15 U.S. Code 1681e, 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 below. Your failure to verify these accounts has hurt my ability to obtain credit. Under 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 Name of Account : XXXX XXXX XXXX XXXX XXXX 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

After reviewing my credit profile in XX/XX/2022, I identified discrepancies between a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account. I requested validation for the late payments multiple times. I have not received any correspondence from the credit bureaus to validate these accounts ' payment history, nor have my credit reports been updated to reflect the correct payment history. Please strike and correct my payment history for these accounts to reflect no late payments or remove the accounts from all 3 credit bureaus until adequate validation has been received proving that all information is indeed correct. as this is negatively affecting my ability to obtain a mortgage.
Product: Credit card or prepaid card

Around the beginning of XX/XX/2020, two large amounts deposited to my credit card, one was for {$3100.00} and the other was about {$2400.00}. Transactions were made at XXXX XXXX twice and XXXX XXXX three times using these transferred and charged to my credit card and also XXXX  charges. I dont remember the exact amounts of these transactions, as I reported my card stolen in XXXX when I noticed these charges and when I received a new card I saw a returned payment on the new card for {$3100.00} and an outstanding balance on my new credit card close to {$3000.00} when it should have been less than {$100.00} originally. I contacted my bank so they can hopefully resolve this issue as I have no idea how these funds were transferred and used at these places.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed all   XXXX   of my credit report have saw numorous hard inquiries on my report i never gave approve for such as.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   There is numerous   XXXX  inquiries  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. XXXX COLLECTIONS, XXXX XXXX XXXX, BLOOMINGDALES, XXXX, XXXX, XXXX. Thank you
Product: Debt collection

This company ( Account resolutions Corp ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.

Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Division of Finance is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.

Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. 
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX XXXX : House of XXXX XXXX. 
1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement. 

They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter there was a data breach and I was offered monitoring with Equifax, which I accepted. I also signed up for XXXX and XXXX for their free 30-day trial. While looking at all information provided I noticed Equifax had my husbands date of birth under my name and SSN. The other 2 reporting companies were correct. I filed a dispute online with a copy of my DL # as instructed on XX/XX/22 and received an email that dispute was completed and I needed to submit DL or birth certificate. I filed another dispute online XX/XX/22 and tried to also attach my birth certificate with my DL, but wasn't allowed so submitted DL again. I was given the same response. I called Equifax and was told I had to mail copies in for change in DOB. I replied I was not comfortable sending copies of my DL and birth certificate in the mail and was given a fax number, XXXX. I faxed cover letter with dispute summary including all my information and a copy of my DL and birth certificate on XX/XX/22. No response so I called again on XX/XX/22 and was told no faxes received and that they don't have a fax # to fax to that it must be mailed. Again, I said I was uncomfortable with that and he said he would transfer me to a supervisor. I waited on hold and eventually was hung up on. I was on that call for 25 minutes. Later that night I tried to call again and was on hold for 1 hour and no one ever picked up. I also tried to resubmit online with my birth certificate and got an error message that it was not allowed. I have used Equifax years ago and my information was correct. How was this mistake made and what kind of information was received that looked official enough to change my DOB to my husbands??? Again, the other 2 credit reporting agencies are correct. I want this corrected immediately but am unable to reach anyone to talk to. Please help me get this resolved. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

To lower New Military Mortgage interest rate We applied for a Mortgage LOAN # XXXX all three Credit company lower a Score plus Stated KEY FACTOR THAT ADVERSELY AFFECTED YOUR CREDIT SCORE All 3 Credit Company stated : 39 SERIOUS DELINQUENCY 18 NUMBER OF ACCOUNTS WITH DELINQUENCY 1- PROPORTION OF BALANCE TO CREDIT LIMITS AND OTHER Volving Accounts Only bill i own at this Date is XXXX XXXX {$130.00} had a XXXX XXXX and will correct that problem Soon XXXX XXXX XXXX I Paid both card in full with interest $ XXXX {$4000.00} card and $ XXXX {$2000.00} XXXX XXXX cancelled both card right after payment XX/XX/2018 XX/XX/2018 i paid in full my two credit card due to high interest rate closed XX/XX/2018 I was still being charge on an close account The only bill i have current is XXXX Credit card Car Insurance and Mortgage in the last two month XXXX is changing monthly Annual fee taking i pay on the 2-3 every month, XXXX Is Now taken 7-10 to clear my Debit card making me pass my due date plus over my limit with Annual Charges i never pay the min, I was told i cant use my car without payin in Full Plus my name Is spelled XXXX XXXX XXXX or XXXX XXXX XXXX ( only ) There is no sir name SR or XXXX XXXX, or XXXX XXXX XXXX , or XXXX XXXX XXXX  Please Correct thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX
Product: Debt collection

On XX/XX/2018 I received a credit monitoring alert from Experian Information Solutions Inc. that a student loan from XXXX XXXX/XXXX  was entered on the credit report as new account numbers in collection. There has been no debt validation or verification, XXXX/XXXX  violated the Fair Debt Collection Practices Act when their collection agents called my phone after asking them to stop. A complaint was filed with the CT Dept of Banking in regard the telephone harassment. 

It is illegal to report old time barred accounts and re-age the date of fist delinquency on disputed accounts. Experian has violated the 1681 of the FCRA, and provisions of the FDCPA by failing to follow reasonable procedures in cases of disputed accuracy, including engaging in unfair deceptive credit reporting and debt collection practices with XXXX XXXX a division of XXXX. 

It is illegal to design compile and report credit information from disputed accounts in an attempt to re-age or change or alter account related history, including payments or other data not reflected in the account history. Experian is harassing and staking consumer. Consumer will contact the Sheriffs office and serve Experian a writ. If this consumer complaint is not resolved in full satisfaction of FCRA compliance standards set forth by the consumer credit industry. Consumer will file in state of federal court for willful violations of the FCRA and FDCPA in full force permitted by state and federal consumer protection laws including attorneys fees. 


XXXX/XXXX XXXX a division of XXXX can not collect on this student loan because it exceeded the terms and conditions on the original contract agreement. There is neither an assignment clause that permits any other " servicer '' or collection agency to collect on behalf of private student loan lenders. Private student loans have specific guidelines to follow and are subject to CFPB rules and specific federal laws pertaining to collection and credit reporting ( FCRA ) compliance procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed a large disparity of my credit score with Experian ( XXXX  ) vs the other 2 major organizations ; XXXX  ( XXXX ) and XXXX  ( XXXX ). 

There aren't many differences with my credit history on all 3 and a difference of 80-100 points stands out as a problem with Experian. 

The issue I see with Experian is its reporting methods and inability to dispute. I filed Chapter XXXX in XXXX and I had approx. 20 ( give or take ) discharged accounts. Experian shows one account as in Collections and also shows the account discharged from bankruptcy. Mostly all the accounts that were discharged were in collections. They are all no longer in collections. I'm unable to dispute this. 

I'm thinking there are problems with their calculations. I'd like this checked out and they should allow disputing options for every piece of personal credit history THEY choose to report on.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were both involved with the security breach at Equifax and our credit is at risk. We both signed up for Equifax 's free credit monitoring - Trusted ID premier. We both established accounts on their web site. When both of us tried to freeze access to our credit reports, the system produced an error message Status-Request Failed ( see attachment ). The web site said to call their customer support number. Several times, I called this number and every time they tried to transfer me to another customer support team. Every time I was transferred, they said I was in the wrong group and told me to call the original support number I called. This has happened several times. I asked to be transferred to a supervisor, and they just put me back in the que to begin talking to another support person who will not help us. Equifax has refused to address our problems and will not allow us to freeze our credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX