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

Inaccurate, unknown, and unauthorized accounts is constantly being mis reported on my credit file. I have requested the Method of Verification from the 3 CRA on numerous occasions to no prevail. My next step will be to file suit against XXXX, XXXX, and Experian for not honoring my demand for a Method of Verification or to block these unauthorized accounts inwhich held me victim to their reportings inwhich caused me more distress inwhich I could write about. These 3 major CRA all has recently responded to previous requests stating " accounts verified ", but never once provided me with physical documentation of this so called Verification. I'm demanding to know how and who verified this because as a general rule of thumb electronic Verification can not be accepted as proof of anything. Also as stated within the FCRA laws inwhich is backed by the FTC, if these 3 CRA can not produced the above request then these following accounts shall be blocked and removed from my credit files immediately. 

Accounts 1 ] XXXX XXXX XXXX {$680.00} 2 ] XXXX XXXX XXXX {$350.00} 3 ] XXXX XXXX XXXX  {$140.00} 4 ] XXXX XXXX XXXX 5 ] US Dept of Education {$3800.00} 6 ] XXXX XXXX XXXX 7 ] XXXX XXXX {$130.00} 8 ] XXXX XXXX {$72.00} 9 ] XXXX XXXX XXXX {$71.00} 10 ] XXXX XXXX 11 ] XXXX XXXXXXXX {$30.00}
Product: Checking or savings account

I would see transactions that were not made by me and charged on my card. Then ATM charge error codes when I used my card.
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 confidentially under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX // XXXX All Acccounts Have Violated My Rights 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information ins inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXX XXXX. Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.
Product: Debt collection

I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

CFPB Complaint Against XXXX Regarding Monterey Financial Services Subject : Inaccurate Reporting by XXXX Monterey Financial Services Collection Account Introduction : This complaint is being filed against XXXX for failing to ensure the accuracy of information reported by Monterey Financial Services. Monterey Financial has failed to provide proper debt validation, proof of licensing in Illinois, and documentation to support their collection efforts. XXXX continued reporting of this inaccurate information violates the Fair Credit Reporting Act ( FCRA ). 

Summary of Violations : 1. Monterey Financial Services is not licensed to collect debts in Illinois. 
Despite this, XXXX continues to report their collection account. 
2. Monterey Financial has failed to validate the debt properly under the Fair Debt Collection Practices Act ( FDCPA ). 
3. The contract provided by Monterey Financial shows it is governed by XXXX law and California jurisdiction, raising further questions about the legality of their collection efforts in Illinois. 
4. XXXX has not conducted a proper investigation to verify the accuracy of the information being reported, as required under the FCRA.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my continued frustration and concern regarding the ongoing issue of late account openings, despite our repeated attempts to address this matter. 

The recurring delays in opening accounts not only disrupt our operational efficiency but also adversely affect the trust and satisfaction of our valued customers. Despite our best endeavors to streamline processes and implement corrective measures, it is disheartening to witness the persistence of this issue, which reflects negatively on our organization 's reputation for reliability and customer service excellence. 

I urge you to escalate our engagement and collaborate closely with regulatory authorities to identify the root causes of these delays comprehensively. It is imperative that we take a proactive approach in addressing any systemic deficiencies or bottlenecks that contribute to the recurrent late openings of accounts. 

In conclusion, I urge you to prioritize this matter with the utmost urgency and dedication, recognizing its significant implications for our organization 's reputation and regulatory compliance. I trust that through collaborative efforts and decisive actions, we can finally resolve the issue of late account openings and uphold the highest standards of service excellence and regulatory compliance. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance : {$170000.00} XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX  XXXX Balance : {$430.00} XXXX XXXX  XXXX Balance : {$510.00}.
Product: Debt collection

Back in XX/XX/XXXX, I noticed on my credit report there was a collection account for {$1300.00}. When I realized that this debt represented a few hours stay at a local hospital, XXXX XXXX XXXX on XX/XX/XXXX. I had checked into this hospital due to breathing problems ( Not Covid-19 related ). From this hospital, I was transported by ambulance to the XXXX  XXXX in XXXX XXXX that same day. I did not have any medical/health insurance at that time. However, staff at the XXXX  XXXX assisted me with my application for XXXX and XXXX which was approved about 90 days later. When I got the approval, I placed a telephonic call to the XXXX XXXX XXXX and provided them with my XXXX XXXX number so they can receive payment for their services from XXXX -- -this was around XX/XX/XXXX. 

Imagine my horror when I discovered that the above -referenced medical-bill for {$1300.00} was now appearing on my Credit Report ( CR ) as a collection account. I immediately contacted the Collection agency, AR Resources ( see attached AR document ), and explained that this bill was already paid by XXXX XXXX Upon their investigation -- -AR Resources removed the collection account from my CR -- -this was back in XX/XX/XXXX. Fast forward today, XX/XX/XXXX, the same bill for {$1300.00} shows back on my CR but from a different collection company, XXXX XXXX, from XXXX, Texas. I immediately contacted their office and spoke to XXXX, XXXX XXXX XXXX, explaining to her this account was paid by XXXX back XXXX XXXX. She informed me that I would have to provide Proof of coverage and a copy of my XXXX XXXX XXXX -then she will remove it from my CR. 
Be that as it may, be, I do not trust XXXX XXXX, thus my instant complaint to CFPB.
Product: Mortgage

XXXX XXXX and Quicken Loans is not excepting my Cert. Of Eligibility I received from military service. I was issued one XX/XX/XXXX and had it renewed XX/XX/XXXX. They say that the COE is not any good.
Product: Credit reporting or other personal consumer reports

The following are fraudulent inquiries that needs to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three major credit bureaus have old credit that have passed the statute of limitations and will not remove them
Product: Checking or savings account

On XX/XX/2018, I noted two checking/saving accounts and two credit card accounts, which do not belong to me, show up on my Bank of America ( BOA ) mobile App, and I have full access to these four accounts. I reported the incidence to BOA, and BOA start a claim case on these accounts and put them on hold. 

On XX/XX/2018, my own checking account was placed on hold by BOA, the two checking/saving accounts I reported was still active and I still have the full access to them through BOA mobile APP. 

On XX/XX/2018, I called BOA again and let them know they hold the wrong account and was told as the department who hold my account does not work during the weekend, they can not lift the hold. 

On XX/XX/2018, I called BOA again and I was told I have to visit a BOA location with my legal IDs. Then I visited the BOA location at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I was informed by the relationship manager there that BOA wrongly merged my customer profile with anthoer customer, who shares the same name with me but lives in a different state, on XX/XX/2018. Because I called on XX/XX/2018 to report the four additional accounts in my APP, this customers account was on hold on XX/XX/2018. As a result, this customer visited one BOA branch, BOA then unhold her/his accounts, terminated my claim case under her/his name and put a hold on my account on XX/XX/2018. I provided the relationship manager at BOA XXXX XXXX location copies of my official IDs and she sent them to an analyst ( XXXX XXXX XXXX XXXX Department ) to prove that I my the legit owner of my checking account. 

On XX/XX/2018, my account was still on hold and BOA still has not separated my customer profile with the other customer, I still have full access to her/his two active BOA checking and saving accounts. I called BOA customer service again and was told though I provided all the documents and it takes XXXX business day for the analyst to review my case. 

On XX/XX/2018, my account was still on hold, I still can access the other person 's BOA checking and saving accounts, and I did not hear anything back from BOA. I was informed by my credit card company that BOA cancelled my payment I made on XX/XX/2018 ( the day I report the case to BOA ). I again called BOA customer service to follow up my case and was informed by XXXX from the billing dispute deparment at FL, they can not provide me any infomration on my case unless I go to a BOA branch.
Product: Debt collection

XXXX, XXXX XXXX XXXX  XXXX XXXX ( " XXXX ' ) and/or its representative Transworld Systems , Inc. ( " TSI '' ) are making a series claims of indebtedness against my retired pay account when a set-off was authorized in XX/XX/XXXX which was to continue until the debt was paid in full. The payment towards XXXX ' claim of indebtedness continued uninterrupted from XX/XX/XXXX until XXXX XXXX or thereabout when XXXX  and/or its representative TSI began contacting the XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) and instructing them to access my retired pay account to make a series of arbitrary and capricious changes to the monthly deductions schedule by stopping the deduction while also claiming a balance due, lowering the amount of the deduction, demanding additional set-offs. These arbitrary and capricious changes has resulted in the debt period being extended, allowing for TSI and/or XXXX to collect interest and fees over a longer period of time than provided for by the initial deduction schedule but has damaged me by causing my debt to increase, the debt period being extended and extreme mental, emotional distress and financial damage resulting from those actions. 

Secondly, the Account Statements misrepresent fees charged. The Account statements issued since XX/XX/XXXX indicates that {$0.00} fees were being charged. However, during the call to DFAS on XX/XX/XXXX, or thereabout, I was notified that of the {$210.00} deduction authorized to pay off XXXX  ' claimed indebtedness only {$130.00} or thereabout, was being applied towards XXXX ' claimed indebtedness and the remaining amount went towards fees.

Thirdly, TSI refused to speak directly to my wife claiming her name was not on the account. But according to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( d ) " ... '' consumer '' includes the consumer 's spouse .... ''
Product: Debt collection

A formal dispute and validation request was mailed via certified letter to NRA Group , LLC dba National Recovery Agency on XX/XX/2019, requesting the following information : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Whether NRA Group , LLC dba National Recovery Agency is licensed and authorized to collect debt in the District of Columbia. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

NRA did not respond with any of the information requested above.
Product: Credit card

I received a notice that my creditor concora credit has blocked my account from making purchases. They sent a letter requesting ID to unblock the account via fax or mail or they will close my account in 30 days. I have done both and they have repeatedly said the ID sent was not legitimate or legible. This is my 3 attempt. I believe they are creating an issue such as this to collect my payment for profit and then closing accounts. This needs to be investigating for fraud
Product: Credit reporting

I paid off a debt with XXXX XXXX and my credit report with Equifax has not yet been updated. I am including proof of payment.
Product: Debt collection

On XX/XX/2018. I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The total balance shown {$3100.00} for XXXX XXXX. This is a fraudulent account opened in my name. I never have any service or associates with XXXX XXXX. On XX/XX/2018. I called XXXX 's fraud alert line and reported the fraud concerns, however, the customer service told me that there was an account opened under my name, however, she could not access my information because the account already sold to XXXX XXXX XXXX XXXX XXXX. She said she can not help me and told me to call the debt collection agency instead. 


Below is the body notice of the notice that sent to me : Dear ( my name ) : This notice is being sent to you by a collection agency. The records of XXXX XXXX XXXX XXXX XXXX show that your account has a past due balance of XXXX Our client has advised us that they are willing to satisfy your account for 35 % of your total balance. The full amount must be received in your office by an agreed upon date. If you are interesting in taking advantage of this opportunity, call our office within 60 days of this letter. Your reduced balance amount would be {$1000.00}. Event if you are unable to take advantage of this opportunity, please contact our office to see that terms can be worked out on your account. We are not required to make this arrangement to you in the future. 

Sincerely, XXXX XXXX, XXXX
Product: Debt collection

On XX/XX/2021, A Affidavit of Truth and Cease and desist notice has been provided to Commonwealth Finance by I, the consumer in fact via Certified mail number XXXX and Return Receipt tracking XXXX XXXX XXXX XXXX XXXX XXXX During the initial 30-day investigation period, Commonwealth Finance is on notice that they should not email or call me, not collect any alleged debt, to write me only at the address listed in the letter, to not send me printouts/copies of the proper documentation, and to not send me statements/bills as it will be a violation pursuant 15 USC 1692g ( b ). Commonwealth Finance communicated or attempted to communicate with the Consumer Reporting Agencies about me without my direct prior consent which is a violation pursuant to 15 USC 1692c ( b ) causing harm to my reputation which is also a violation pursuant to 15 USC 1692d ( 1 ).

Upon further research and discovery, I am the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name. Pursuant 15 USC 1692e ( 2 ) ( B ) any compensation lawfully received by any debt collector is FALSE
REPRESENTATION and using the false representation of the amount or the legal status of any debt is also FALSE REPRESENTATION pursuant 15 USC 1692e ( 2 ) ( A ).

Pursuant to Fair Debt Collection Practices Act ( FDCPA ) and 15 USC 1692g ( a ) ( 4 ), if the alleged debt is not directly verified by the true bill in commerce within thirty
30 days, per law, it be deemed void by the consumer acting as administrator pursuant to 15 USC 1692c ( d ), consumer defined, administrator. Commonwealth Finance has committed several federal violations against me, Federally Protected Consumer, for which I am entitled remedy. Commonwealth Finance must now provide me the following due to their trespass against me in which they are civilly liable for pursuant 15 USC 1692k : Amount owed to me as stated in the Bill of Particular ( s ) All the documents, exhibits, violations, Bill of Particular ( s ), and overall proof of my claims are included in the Affidavit of Truth attachment to further explain this statement.
Product: Mortgage

I sold a home on XX/XX/2022. 

Rushmore Loan Management Services has yet to return the escrow refund. 

I called in XXXX and was advised it takes 20 days t process an escrow refund check. 

It has now been 61 days.
Product: Debt collection

CONSUMER ADJUSTMENT COMPANY has been harassing me calling nonstop for I debt that I don't own. I am on the do not call list. They don't have permission to call me.
Product: Credit reporting or other personal consumer reports

Please delete the following hard inquiries from my credit report, as they were conducted in violation of 15 USC 1681b. I did not authorize these inquiries, and they should be removed promptly to correct my credit report. 

Hard Inquiry Details : XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year>XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/year> Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I'm sending this complaint on behalf of myself, there is NO third party involved with this complaint. On XX/XX/2022, my credit report was falsely reported by cornerstone financial and Experian. My account was placed in collection without notice and reported as 90 days late after only 30 days. I have yet to receive any information regarding this account being falsely reported.
Product: Checking or savings account

In XX/XX/XXXX I deposited a check for {$3000.00} that had been written to me by my husband on XX/XX/XXXX. Bank of America sent him a text message asking if he had written me the check. He replied " no '' via text message and Bank of America decided I had altered the check. They closed my checking account and my XXXX XXXX XXXX son 's XXXX checking account. I took the check into the bank to speak with the XXXX and show him that the check had not been altered. He called the XXXX department and explained that all I had done was deposit a stale dated check. The fraud department stated they were taking my husband 's word over mine and that B of A no longer wanted to do business with me. I had been a customer since XXXX. 

I went to XXXX XXXX XXXX and opened a bank account there and my XXXX XXXX XXXX son also opened a bank account. We thought everything was find until XX/XX/XXXX when I tried to use my debit card and it was declined. I called the bank to find out why, and they said because they had received notice from XXXX XXXX. 

I called XXXX XXXX to file a dispute but was told it would take up to XXXX days to for them to make a decision. 

My husband called Bank of America and XXXX XXXX to tell them he made a mistake and had forgotten he had written me the check. 

Bank of America keeps telling me it is out of their hands and up to XXXX XXXX to make a decision. XXXX XXXX is telling me it is Bank of America who filed the claim, and it is up to Bank of America to remove the claim.
Product: Debt collection

Around last month, I called this so called NCB Management since I had a miss call from them. They asked me if I could verify my name and social security. Before giving any of my information, since my SS was stoled and recently got it around XXXX of last year. They gave me their information and I told them I would look into my email if I had any information regarding their company and who they were working work. And the person who I was speaking to very rudely said okay, and hunged up on me. 

FYI : I had not receive any letters from this company whatsoever.