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

This is a formal complaint against XXXX XXXX  XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX  XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Debt collection

An individual is calling me from the phone number XXXX XXXX XXXX. They ask to speak with " XXXX XXXX '' and would give no information as to who they are. This has been a repeated call. I called the number and it led to Portfolio Recovery Associates. After the second call I called back and a woman, I believe the name was XXXX XXXX answered. She indicated that she could not help me unless I provided " certain financial information ''. 

I have no outstanding debt. In one of the calls she referred to the wrong address and then asked for my address.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$75.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have made a few attempts to take care of a debt that I dont owe from XXXX XXXX XXXX XXXX I contacting MRS BPO Associates, each time I have explained why I do not owe this debt. Just today, XX/XX/23 I called to ask for email address to send my proof that I do not have any debt. The person I spoke to, today and on another occasion was very rude ( yelling, combative, accusing ) and very verbally abusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car loan with Hyundai Motor Finance on-line on XX/XX/XXXX. I have received the clear title and the balance on their website shows zero, however they have failed to submit the payment information to the credit bureaus so it continues to show up on my credit report. I have called at least three if not four times asking that it be taken care of. As of today ( XX/XX/XXXX ) it is still on the credit report and today the customer service representative hung up on me when I started to ask why it had not been taken care of. I have also filed a dispute with XXXX.
Product: Debt collection

On XX/XX/XXXX they called twice in the same day. Threatening that I was outside of my contract and that I would be on their delinquency report. I explained that I will be making a payment on XX/XX/XXXX. They said they didnt see that and that since Im paying outside of my normal process this isnt allowed and that I would have to pay by the Monday the XXXX. I explained this is when I would have the money. She kept threatening me with I was outside of my contract and that would be reported and I responded Im not 30 days late and I could pay. She started my contract says I have to pay in the month Im due or Im in violation and this could lead to further action. I said Im not 30 days late so thats fine. She went in further about their delinquency report and I said that has nothing to due with me and I would appreciate them to stop calling me as they had called me all week and hung up on me. I explained this is rude and its a violation. I went in to their website and scheduled the payment. Then a called called me back and began asking me to change my due date and began pressuring me and when I said hes in violation and that need to stop calling he said do you want the help or not. I asked for him to stop and the company to stop calling me Im at work and this is harassment about a payment I schedule on their actual website. He continued on trying to threaten me and pressuring me to change my due date and pay a lesser amount then my actual monthly payment. 
They called me the first time at XXXX XXXX  and the again at XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of 2020, XXXX removed the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX removed the 2 public records but XXXX and experian did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX removed it because they could not verify the information, how did XXXX and experian do it? Please provide the documents or information with the person you spoke to or used to verify
Product: Debt collection

Phone number XXXX XXXX XXXX XXXX XXXX called me attempting to collect a debt. They did not want to provide basic information about their company. I knew instantly they were fraudulent and hung up on me countless times for questioning their legitimacy. Diversified Adjustment Services needs to be stopped. The company harasses and calls multiple times a day. This company is not legit and clearly a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an issue with both Equifax and a collection agency called XXXX XXXX XXXX XXXX 

I have an open collection item with the collection agency mentioned above, originally assigned XXXX. 

To date, I have not received any notification of this collection account. I last went through the process of pulling my credit reports from the 3 credit bureaus in late XXXX XXXX, which is where I first learned of the collection ( it appeared on all three of my reports ). I submitted disputes to all three credit bureaus disputing the validity of the debt- both XXXX and XXXX  removed the collection from my records, while Equifax marked it  as valid. 

At a loss of how to resolve the issue, I sent an email on XX/XX/XXXXto the only contact email I could find listed for the collection agency ( 'XXXXXXXXXXXX ' ) proposing to proposing to pay the collection just to get it removed from my credit report. I did not imply ownership. I received no response. 

In XXXX I again disputed the validity of the debt through Equifax and again had it marked as valid. 

I am submitting this complaint as I am at a loss as to how to resolve this issue and get this collection removed from my Equifax. Due to swift removal of the collection from my credit report by 2/3 credit reporting bureaus as a result of my initial dispute, the lack of communication about the collection by the collection agency, and the lack of response to my email to the collection agency in which I offered to pay the collection amount in full simply to make it go away, I have serious doubts regarding the legitimacy of the collection agency. 

I feel stuck in a untenable situation where I can neither pay to resolve the collection nor effectively dispute it. I am also confused as to how Equifax has access to data that shows the collection as valid, while the other two credit agencies determined it was invalid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a personal loan for {$1500.00} from Capital Good Fund. This company shows itself as if they're non profit and they work to help immigrants but it's not true. I was negatively affected by natural disaster in XXXX XXXX on XXXX XXXX, 2023 so I reached out to them to defer payment till XXXX. They charged me twice at the beginning of this month and I paid {$210.00}. I have NO past-due balance with them. I got an alert from credit bureaus on Friday stating that this company reported me as past-due and my credit score dropped XXXX points! I am in the process of moving. I was going to apply for an apartment tomorrow. Because of their unethical, inhumane and wrong reporting, my life is very negatively affected. I can't rent any apartment without security deposit now. I don't even know if they will accept me because my score dropped huge. This company violated my rights and they have to be held accountable. Moreover, they need to be investigated for bad business practices targeting vulnerable immigrants.
Product: Debt collection

This not my account They can't verify this account Pursuant to XXXX XXXX XXXX, i owe no debt, this company is violating my consumers rights to privacy to XXXX XXXX XXXX XXXX have NO permission to report ANYTHING using my info to XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have disputed several times on the information of the bankruptcy appearing twice on my report when my wife and i only filed once XX/XX/XXXX ... my wife is now deceased as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I mailed dispute letters on XX/XX/2024, XX/XX/2024, and XX/XX/2024 challenging several negative items that are showing on my credit reports. I have not received an updated report or results of any investigation into these items.
Product: Money transfer, virtual currency, or money service

cashapp has no customer service, they were in the know about all of the scams happening in the app, and theyre selling information
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a medical collection from Amerifiancial solutions for {$630.00} on my experian and XXXX report. I havent been to a medical provider in over 20 years. I disputed it 3 times and still there. Also I contacted collection company and asked for a bill in my name that led to collection and never received anything
Product: Debt collection

I, XXXX XXXX, firmly maintain that there was never a contract between myself and this agency LVN FUNDING LLC. I have serious concerns about the unauthorized acquisition of my personal information by the debt collector.
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX from XXXX  about XXXX  years ago and had a solar lease on the house that was supposed to transfer to the new owner. The company failed to transfer the system after they where notified of transfer due to an unknown to me XXXX  day transfer limit before i would have to call back. I was moving to the other side of the country and selling a house. I notified the company the day i listed the house and assumed that like almost every other company they would allow transfer upon request. They did not. i then spend several months providing all necessary information to both the new home owner and Sunnova so they could transfer the system. Sunnova refused to contact the new owner or repossess the system. Now it is effecting my XXXX  career and i just want to have this resolved. They are also in violation of their contract of providing me with kWh as i no long live in that house let alone that state.
Product: Debt collection

SRSI I dispute any debt your company claimed to have on me you must stop all collection activities do not call my telephone number or email address ( XXXX ) if you were ever given permission to call this number ( XXXX ) I am revoking that now, as I have stated before I am a victim of identify fraud I have not submited any online applications I have not submitted Identification to open any such account. my demands are : for you to provide a audit trail. ( This is what I need included in that audit trail. ) Original signed Contract Account File Ledger All account Documents Transactional History please be sure to provide everything the mentioned in this letter. According to 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 that you post on a credit report ( which you have not done ) otherwise anyone paying for your reporting services could fax, mail, or email, in fraudulent accounts If you are unable to provide the demanded information you must immediately delete this account. If you fail to communicate to the consumer report and agencies that this debt is in disputed that would be a violation pursuant 15USC 1692E8 - false or misleading representation. The law is very clear as to the civil lability and the remedy available to me according to 15 USC 1692K. Furthermore failure to honor this request will lead me to fully intend on pursuing litigation in this matter is suing your company for actual damage sustained. Please be aware that freezing this account is not an update to my credit report. Under federal law you have 30 days to complete your re-investigation please be advised that the description of the procedure used to determine the accuracy of completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation I also attched a my identytheft report Thanks for giving this letter your prompt attention..
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon retrieving my credit report to my surprise I noticed an inaccuracy. It was a COLLECTION account XXXX  acct # XXXX reporting that NOT ONLY AS AN OPEN STATUS, BUT ALSO A PAST DUE AMOUNT of {$1400.00}. Not accurate According to the FCRA I have the right to an accurate credit report. I sent a certified letter to Trans Union about this on XX/XX/XXXX which they received on XX/XX/XXXX and asked them to remove this item due to inaccurate reporting ( a collection account cant have an open status and a past due amount reporting On my credit file. I received an updated response by Trans Union stating the account is verified and updated *balance, *past due, *date updated, date closed. None of which addressed my concerns : TransUnion commented consumer dispute a change was updated ( Based on my dispute ) which was not. I am attaching the letter and their report reflecting open, past due and collection account as well as the certified mail receipt. Additionally I noticed this item reporting a ( loan type ) on my report which I have no loan or entered into any contract with this also is in accurate. My initial letter to TransUnion addressed the above concerns on XX/XX/XXXX However they previously sent on XX/XX/XXXX these changes and since I sent the new letter XX/XX/XXXX they mentioned my disputed info was addressed and wasnt. They sent a new updated response on XX/XX/XXXX stating that changes made and my concerns were still not addressed. No changes Im attaching both letters sent to me from TransUnion where they reflect the same results when it said it was changed. In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A.states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency Can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX  XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX  XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, XXXX entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX
Product: Consumer Loan

I have had a long standing, perfect pay history, line of credit with XXXX. It is important to maintain a good credit score and I monitor mine. XXXX pulled out of Texas and sold all branches to BB & T. As a result, my 8 year, perfect standing, on-time payments, very low balance, line of credit with XXXX was closed and moved to BB & T. The problem is that BB & T now shows a new line of credit. The CFPB should dictate that when banks move accounts between each other, the acquiring bank must use the original open date of the credit / loan. The time the loan is open, on-time payments, and low percentage outstanding all contribute to a higher credit score. With NO action on the consumer 's part, my credit score went down by over XXXX points month-over-month because the several positives with XXXX, became slight negatives with BB & T ( new credit, new credit inquiry, no payment history ). No other changes occurred on my credit reports ( except slightly lower balances on month-end cycles on XXXX credit cards as compared to previous month - which should have resulted in an increased credit score ). In my case, my excellent credit rating went down to good but many other consumers would have been more detrimentally impacted. This is an opportunity for the CFPB to make the banks change their account conversion / account acquisition practices, and methods to not negatively impact the consumer. Of course the consumer credit score effects the rating and interest rate on new credit, extension of credit, etc. This complaint should be directed against both XXXX and BB & T.
Product: Credit card

Please find attached a letters of disputes to XXXX, XXXX and XXXX on XXXX 2016 in regard to a Capital One Account that I had asked under the Debt Verification Rule to produce the negative debt of {$7000.00} that is being improperly recorded within the 30 days required. Also find attached a Dismissal Letter of the case in XXXX County Clerk of the Courts ( Florida ) for non production of debt. Under the Debt Verification Rule, XXXX, XXXX and XXXX cited that the negative debt remained with proof from Capital One. I have never received any of these documentations to this current date to prove the debt. And by admission of the courts, they also did n't receive any proof of debt and dismissed the case on my behalf.
Product: Prepaid card

BMO bank send me an email on XX/XX/2024 saying : " Earn a {$100.00} digital gift card* for taking steps toward your financial progress. 
To qualify, simply meet with a BMO banker within the first 90 days of opening and funding your new BMO checking account and receive a {$100.00} digital gift card* of your choice! '' I talked to a BMO banker on XX/XX/2024 and got confirmation email from her saying : " Thank you for letting us personalize your banking needs at BMO. 
It was so nice connecting with you today! As promised, I am sending over your Financial Progress Check which outlines your personalized banking recommendations. I know we discussed a lot, so please take a minute to look it overand dont hesitate to reach out to me directly should you have any questions! 
I look forward to continuing to work with you! Thank you for choosing BMO to meet your ongoing banking needs. 
XXXX XXXX XXXX ID XXXX XXXX '' I inquired about when I can get the {$100.00} gift card, and got response from XXXX saying : " Typically is sent out between 1-60 days ''. 

Till now, I still have not received any gift card yet. I tried to contact XXXX through email but the email could not reach the address any more.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information includes a false " also known as '' name of XXXX XXXX XXXX and an address of XXXX XXXX, XXXX, MI XXXX both of which were added to my personal data without my knowledge. Neither the name of the address is true. I believe a debt collection co, probably did this as I have received notices from XXXX XXXX, XXXX as well as XXXX XXXX XXXX , XXXX stating that I have a delinquent utility bill with XXXX XXXX in XXXX, MI. All of the above is false, and I believe I am being targeted because of my age, XXXX years old and retired. XXXX XXXX has 1013 complaints against them from BBB and several of the complaints when read, are so similar to my situation that one has to believe that this is a scam that has succeeded. Even the same utility company is named, XXXX XXXX in several of the complaints so XXXX and/or XXXX likely bought a list of delinquent accounts from XXXX for pennies on the dollar and are now out trying to collect anything they can. Why else would the first notice offer to settle a supposed debt of {$970.00} for a quick fee of {$240.00}? How can XXXX  allow false information to be added to my profile without my being informed?