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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.Please correct this account : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed items on my report 4 different times now. I dispute inquiries that I had no idea was on my report. I have also called and spoke with the dispute department and was told that the inquiries was verified and will remain on my report. The only inquiry that is supposed to be on my report is XXXX XXXX. 
The inquiries couldn't have been investigate because I am the original creditor and I did not give my permission to anyone at Transunion and I have not made any other inquiries. In my dispute I ask for proof of verification and not a letter saying that it was verified. I am a natural person, consumer and original creditor of the United States Corporation. Transunion continues to violate my consumer rights and several laws of the FDCPA.
Product: Mortgage

I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.
Product: Credit card

XX/XX/2015Dear XXXX, Most of my credit card companies issued new credit cards with chips in them and with the normal and identifying as a real credit card with raised account numbers and expiration dates. 
However, Discover Card XXXX issued fake looking credit cards with out the normal raised account numbers and raise expiration dates. Discover refused on XX/XX/2015 to issue a normal raise numbers card with a chip like most of credit card companies and I not able to get a hold of XXXX. 
Since it is possible to have the normal and more secure raised numbers with the new chip XXXX ; I see no reason to accept either the XXXX or the discover card ; I think it is irresponsible to issue the flat credit cards that are more easily faked ; and can not be identified as real by a human being. 
I expect the CFPB to at least ask or direct XXXX and Discover to give customers or Consumers a choice ; or more prudently require all credit card companies to issue the more secure traditional raised number cards with the chip in them and use XXXX methods and not issue the flat credit cards at all. 
XXXX XXXX XXXX XXXX. 
XXXX.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXXXXXX
Product: Debt collection

There is a medical bill that was added to my credit report that I never received notice that money was due. I was not made aware of this until it hit my credit. I want this removed off my report. Once I was made aware of the collection I paid it right away had they sent me a bill or statement it would have been paid then. I want this off now RSI Enterprises-RSIMD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act. XXXX XXXX I have 5 missed Payments it was open XX/XX/XXXX, XXXX  XXXX XXXX I have 1 missed payment on XX/XX/XXXX open XX/XX/XXXX and XXXX XXXX MI XXXX XXXX I have 1 missed payment on XX/XX/XXXX & I owed {$1100.00} open on XX/XX/XXXX. They are not the Original Owners 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give Equifax, XXXX, XXXX, written permission to furnish these accounts.
Product: Debt collection

I have contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Reporting of Late Payments under the Fair Credit Reporting Act This letter serves as a formal dispute concerning the reporting of a late payment associated with my closed account with XXXX XXXX XXXX Account number XXXX I believe the information on my credit report is erroneous and violates provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2, which govern the reporting, verification, and accuracy of information within consumer credit files. 

Basis of Dispute I have reviewed my records and confirmed that there was no delinquent payment on this account prior to its closure. Consequently, the reported late payment inaccurately reflects my credit history. This inaccurate information is having a negative impact on my creditworthiness, and I am therefore disputing this entry in accordance with my rights under the FCRA.

Relevant Legal Provisions 1. Reasonable Procedures for Accuracy ( 15 U.S.C. 1681e ( b ) ) Under the FCRA, credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy in consumer reports. The inaccurate reporting of a late payment on a closed account fails to meet this standard, as the information does not accurately represent the accounts status at the time it was reported. 
2. Obligation to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) As the CRA, you are required to conduct a thorough reinvestigation of any information disputed by a consumer. I hereby request that you investigate this matter by contacting the original creditor and verifying the accuracy of the reported late payment. If your investigation finds that this information is indeed incorrect, I request its immediate deletion from my credit report. 
3. Duties of Furnishers of Information ( 15 U.S.C. 1681s-2 ) Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are obligated to ensure the accuracy and integrity of information reported to CRAs. If your investigation shows that the creditor failed to meet these standards, I request that the late payment entry be promptly removed. 

Requested Action In light of the above, I respectfully request that you : Reinvestigate the reported late payment, contacting the creditor as required by law. 
Remove or correct any inaccurate information from my credit file if the investigation confirms inaccuracies. 
Notify me in writing upon completion of your investigation, including a statement of any actions taken. 

Supporting Documentation To assist with your investigation, I am including relevant documentation, such as my credit report. 

Please consider this dispute a matter of urgency. I request a response within 30 days as stipulated by the FCRA, including confirmation of any corrections or deletions made to my report. Should the information remain unchanged and verifiable, I request a detailed summary of the reinvestigation, including the name and contact information of the data furnisher and any materials used in verifying the informations accuracy. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX placed derogatory remarks on my credit report. Upon, further research, this account was transferred/sold, and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. 

Furthermore, the alleged charge off date on the account is XX/XX/XXXX. XXXX  XXXX XXXX is claiming to have obtained this debt in XX/XX/XXXX. I informed XXXX XXXX XXXX the account was not mines several times to no avail. My consumer reports show inaccurate open dates, account status of OPEN on XXXX and XXXX and a status of CLOSED on Experian. There is NO payment history on XXXX, the payment history for XXXX shows positive, missing, and late payment history on a closed account, and Experian reports collections. These discrepancies prove that the consumer bureaus did not validate this debt and are purposely reporting inaccurate information! 

According to Section 16.004 of the Texas Civil Practice and Remedies Code : The statute of limitations on debt in Texas is four years. Section 392.307 of the Texas Finance Code ; states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. 

According to the FCRA. XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately. Unfortunately for myself, I am just becoming aware of laws regarding my consumer rights. However, I plan to become knowledgeable of the law and will hold individuals who disregard the law accountable for their actions. My reputation has been severely tarnished due to these negative, inaccurate remarks which is completely unfair. Therefore, I am filing a formal complaint against said company today for their blatant disregard for the law and failure to protect the consumer : Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is continuing to report 4 accounts on my report as closed that I requested validation for and never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
DEPT OF EDXXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XXXX XXXX, XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX XXXX Balance : - Date opened : XX/XX/XXXX DEPT OF ED/XXXX  XXXX Balance : - Date opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$610.00} - Date Opened : XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX AL ) XXXX : {$890.00} - Date Opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not contact the data furnisher! The data furnisher is " US Bankruptcy Court ''. not a third party vendor such as XXXX XXXX. Experian stated, they verified the information with " The public record vendor has verified the accuracy of the disputed information. The results summary was sent to you, XX/XX/2020, for review. '' XXXX XXXX DID NOT VERIFY ANY INFORMATION FOR EXPERIAN. STOP LYING ON THIS COMPANY! XXXX XXXX HAS FROZEN MY ACCOUNT DUE TO FRAUD AND HAS NOT GIVEN EXPERIAN ANY INFORMATION. COMPLAINT ID XXXX STATED THE BANKRUPTCY WAS VERIFIED BY THE FURNISHER. LIAR! LIAR! LIAR! DO NOT SEND ME ANOTHER LETTER SAYING YOU VERIFIED THAT BANKRUPTCY! 

Under the FCRA, consumer reporting agencies are required to provide consumers with the information in their own file upon request, and consumer reporting agencies are not allowed to share information with third parties unless there is a permissible purpose. There are several permissible purposes outlined by the FCRA. 

Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information. 
XXXX XXXX HAS SENT ME A LETTER STATING MY ACCOUNT IS FROZEN DUE TO FRAUD WITH A PIN NUMBER ON IT. WHEN I CALLED XXXX XXXX THEY STATED THEY DID NOT GIVE EXPERIAN ANY INFORMATION.
Product: Credit card or prepaid card

My Citi XXXX XXXX XXXX card. I paid my balance in full electronically on XX/XX/XXXX from my bank account as usual. The due date for payment was XX/XX/XXXX. 

My card # ends in XXXX. 

Citi levied a late fee on my XXXX statement for a late XXXX payment. I spoke with Citi customer service on or about XX/XX/XXXX about the {$25.00} late fee. The agent said " there is no processing of payments over the weekend. '' I contacted my bank and the representative confirmed that payment was received by Citi on Friday XX/XX/XXXX. I called Citi again and said they received payment in time and should waive the fee. The agent said they would call me back in the next day or two, and should have the balance adjusted. The Citi agent never contacted me. This issue went unresolved. I just received the latest statement. This statement dated XXXX lists previous balance that includes the {$25.00} late fee and an additional late fee of {$27.00}. I called Citi customer service again. The agent XXXX XXXX who said the {$25.00} was waived, ( but the previous balance of {$93.00} adds up to still include it ), and she could do nothing about the new fee, despite having record of my phone call where the agent I spoke with in XXXX promised to get back to me. I asked for a manager, I got XXXX who did not give a last name or ID #. She refused the waive the fees, claimed he first {$25.00} fee was waived, ( yet it is still included in the New Balance. ) I feel and KNOW I am being extorted. They misrepresent and claim they forgave and fee in XXXX ( a statement I never received ), and would not help a long term customer with other accounts.
Product: Mortgage

Today is XX/XX/XXXX this past weekend we received a letter that we were behind on our mortgage. When we looked at our bank statement it showed that we paid the mortgage on XX/XX/XXXX. I looked to see if there had been an issue and the funds returned. I call Carrington Mortgage today. They informed me that they refused, REFUSED my XXXX payment, and let me know that my XXXX mortgage payment was being refused as well. They sent no notice of refusal. I have no notice of how to pay from them. We had had a problem in XXXX and XXXX with our payment being NSF. We were proactive and contacted the company. Is it legal for a company to refuse money without informing the person paying? Is it legal to change payment without contacting the person paying? We had no idea that they would or had done this and did not find out until it was too late. They now have charged us late fees for money that was refused by them. I repeat they refused the auto payment the funds were in our account for XXXX and XXXX without informing us. I have had my mortgage since XXXX and have zero issues. I called my bank because I could not see that the payment was returned. I could not see it because it was returned to us 20 days later, almost a month on XX/XX/XXXX. They have now refused our XXXX payment, which means more late fees. It is a known practice to hold money to put people in precarious positions and force foreclosure. If I had been notified of a new payment method. Not as part of a NSF or my monthly statement, but clear notice of a change we would not be late. This is underhanded and unethical behavior by this company. People should be asked if they want to change their mortgage company. When I look online, I see that this company is well known for being shady. I am a veteran, a mother of XXXX, and a XXXX woman. I will not be quiet about this nefarious behavior. Are there laws about how long they can hold my money, or if they must inform the consumer of significant changes to their account. I recorded all my conversations with them. They stated that they do not send out a notice, they wait for the consumer to find out. That means it is a company practice to be underhanded and force people into late payments and fees. We only learned about all of this weekend. I called them twice today. They could not tell me when my XXXX payment would be returned. My bank, XXXX, told me that it is not normal for payment to be returned by check, and that if they can take electronic payments they can return them that way but choose to return good payments in the slowest way possible.