23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Subject : Formal Dispute and Request for Validation of Account : XXXX Dear CFPB, I am writing to formally dispute the account referenced below that is appearing on my credit reports with XXXX and Experian. This account is not mine and has been inaccurately reported. Despite disputing this account on multiple occasions, I have yet to receive any communication or validation of this account. I am now requesting your immediate intervention to ensure compliance with the law and that this matter is resolved promptly. 

Disputed Account Information : Account Name : XXXX Account Number : XXXX Credit Bureaus Involved : XXXX , Experian Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Experian ) Current Status : Closed, Paid Comments : I have not authorized this account to appear on my credit report, and it is not mine. The account should be removed immediately as I have requested validation on several occasions without any resolution. 
This letter serves as my formal demand for validation of this account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide original documentation, including any signed agreements or contracts showing that I am responsible for this account. If such validation can not be provided, I insist on the immediate removal of the account from my credit reports. 

Furthermore, I assert my rights under the following laws : FCRA Section 611 : My right to dispute inaccurate information and have it corrected or removed if it can not be verified. 
FCRA Section 609 ( a ) ( 1 ) ( A ) : My right to request information and documentation related to any item of information on my credit report. 
FDCPA Section 809 : The obligation for a debt collector to validate the debt upon request. 
As of today, XX/XX/XXXX, I have not received any communication regarding this matter, and the account continues to damage my credit unlawfully. I demand that all inaccurate information be removed from my credit reports immediately. 

Thank you for your immediate attention to this matter. I trust that the CFPB will handle this issue in accordance with the law. 

Sincerely, XXXX XXXX Phone : XXXX Email : XXXX XXXX
Product: Debt collection

There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX  are this XXXX XXXX XXXX XXXX XXXX  as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I called Experian credit bureau on XX/XX/2024 at XXXX XXXX est time to file a dispute to remove addresses that dont belong to me and the refused to corporate with me.
Product: Debt collection

I am the consumer, the natural person and original creditor as pursuant to 15 usc 1692a ( 4 ) and my privacy has been breached. I do not validate the alleged debt from APELLES. APELLES has violated my federally protected consumer rights by stating, I the consumer owe any debt as pursuant to 15 usc 1692b ( 2 ). APELLES has attempted to communicate through the mail in connection with a alleged debt and without my prior consent, which is a violation as pursuant to 15 usc 1692c ( a ). APELLES conduct is harassment as pursuant to 15 usc 1692d ( 2 ) in connection with the attempt to collect the alleged debt. APELLES has used false and deceptive representations of the amount of the alleged debt which is a violation as pursuant to 15 usc 1692e ( a ). APELLES has furnished deceptive forms as pursuant to 15 usc 1692j ( a ), since I am the original creditor and I am not participating in the collection of the alleged debt. I have notified APELLES in writing that I refuse to pay the alleged debt and wish APELLES to cease & desist further communication. As well as sent an affidavit and validation of debt requesting to tell me who is the original creditor, all sent certified mail along with Exhibits and a invoice. Since APELLES has failed to comply with provisions of 15 usc 1692 APELLES is liable as pursuant 15 usc 1692k ( 1 ) and 15 usc 1692k ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems is currently reporting an account from XXXX apartments to the credit bureaus. Its also reporting incorrect information on the account as there is a joint applicant that I have no association with. I have spoken with National Credit Systems multiple times over 2 months timespan. I filed a dispute and was advised on XX/XX/2022 that the incorrect account on my report would be removed. That statement was provided in an email dated XX/XX/2022. National credit systems has yet to remove this fraudulent account. Today XX/XX/2022, I called and spoke with XXXX who says he is a collections supervisor. XXXX advised that the account was closed but reopened with a note stating it was closed in error. XXXX also stated on XX/XX/2022 that XXXX XXXX has advised they can not verify the debt and that the account should be closed. Despite XXXXXXXX XXXX advising the account should be closed, XXXX advised the account would not be closed if I did not send in proof that the application should be free. XXXX provided an email address for his supervisor XXXX  XXXX and very rudely hung the phone up. I sent the email to XXXX XXXX on XX/XX/2022
Product: Debt collection

On XX/XX/year> was reviewing my consumer reports and noticed that Credit Corp Solutions INC, DBA Tasman Credit Corp has parked an alleged debt upon my consumer report. Credit Corp Solutions INC and I do not have any contracts for credit in place and they have not been given any permissible purpose to inquire or place any alleged accounts upon my consumer report. Have requested that they provide debt validation as required under model form B and an assignment contract and they have not provided the items as required under the FDCPA, yet they are still continuing to report this alleged debt upon my consumer report. It seems as if they have committed some type of aggravated identity theft to place this alleged debt upon my consumer report and their continued attempts at collecting on a debt that they are unable to validate and have no assignment contracts for.
Product: Debt collection

15usc1681 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of furnishers of information to provide accurate information. 


XXXX XXXX {$290.00} XXXX Status Closed Credit Limit {$0.00} High Balance {$290.00} Payment Amount {$0.00} Last Payment Term Description Individual account Open Date XX/XX/XXXX Closed Date XX/XX/XXXX Last Reported XX/XX/XXXX Days Late 30 : 0 | 60 : 0 | 90 : 0 Payment Status Charged off as bad debt Past Due {$0.00} XXXXXXXX XXXX {$560.00} Account # XXXX Status Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXreditor Type Collection services High Balance {$560.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXXXXXX XXXX XXXX  {$230.00} Account # XXXX Status Original Creditor XXXX XXXX Creditor Type Collection services High Balance {$230.00} Open Date XX/XX/XXXX Last Reported XX/XX/XXXX
Product: Credit card or prepaid card

I received a XXXX XXXX credit card to purchase an engagement ring for {$15000.00} because of it's promotion of 0 % interest for 12 months. If the balance is paid in full in 12 months ( XX/XX/2020 ), no interest will be charged. First off, their online system does not allow automatic payments, but instead you can only schedule ONE payment ahead of time, making it very hard to keep track of your payments. Ok, come XX/XX/2020 I was in the process of disputing a {$38.00} late fee. I scheduled to make full payments to pay off the balance on time. After I scheduled my payment, I was also charged a {$2.00} interest charge on my late fee. As of XX/XX/2020, my balance of $ XXXX was paid off, except for {$40.00}. It was because they did not waive my late fee and the interest charge, not the original balance. Because of this, they proceeded to charge me the entire deferred interest amount of {$4000.00} and are refusing to remove it. I have contacted them multiple times and they are refusing to work with me, especially during the national crisis. I can not file a lawsuit as the courts are closed, and they are continuing to charge me interest month after month.
Product: Credit reporting or other personal consumer reports

I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I do not consent to XXXX verification and want an actual living human to read this complaint. I see that TransUnion has attempted to fix the issues I have complained about and I'm thankful, but I keep complaining about the same issues being furnished that are violating my federally protected consumer rights. I received mail that I will have attached below from TransUnion in reference to my XXXX XXXX accounts that they're reporting. I still see my experiences with XXXX XXXX are still showing on the report. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. 15 USC 1681a-exclusions, report containing information solely as to transactions or experiences between the consumer and the person making the report. Privacy Act of 1974 it clearly states, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. I will have the experiences that are still being furnished from XXXX XXXX report marked up in the attachment below. Also, my invoice is attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a fraud case against Experian XXXX for 2 accounts that are still showing open on my credit report. Case number XXXX. 
My last update on this case was XXXX which is over the alotted time provided. I need remedy on this case as this is preventing me from utilizing my credit. XXXX XXXX is operating fradulently as they have wrote the account off as a charge off, however, still reporting it on my credit report. I need this off of my credit report immediately or I will have to file a civil suit in my area and Experian will to answer to why they are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$600.00} I have contacted XXXX. They told me to file a police report. When I went to the police station I was told that the company Americollect inc was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Product: Mortgage

I was affected by the covid pandemic and applied for forbearance. Once the forbearance period ended, Mr. Cooper offered me a loan modification agreement ( HAMP ). My original loan amount was {$420000.00} in XX/XX/XXXX and my unpaid loan amount was {$400000.00} when the forbearance started. I now received a modification that it is to be in effect in XX/XX/XXXX with a balance of {$440000.00} and extended by 4 years until XXXX/XXXX/XXXX, instead of XXXX/XXXX/XXXX. My rate was decreased by 0.5 % and is offered now at 3.25 %. In addition to that I was requested to pay a monthly escrow of {$1000.00} plus XXXX in a 60 month period. In sum : 1 nowhere in the modification they sent me there is a CLEAR AMOUNT showing what I will pay monthly. 2- My loan of $ XXXX jumped to {$440.00} K in one year- which is XXXX more than before the forbearance, which is they are charging {$2.00} a month for late fees plus 3 years more of payments ( XXXX more in payments ). I am not financial expert but this is not right.
Product: Consumer Loan

Please help! Had car loan with Key Bank - car was totaled in XXXX 2016. Insurance company sent three checks to bank. Last one finally deposited. GAP insurance sent remainder of balance to bank. Bank lost check. I continue to be charged the monthly payment even though it should have been cleared in XXXX. Please help! No one at Key bank will help me
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, lett
ers, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I let all three credit bureau know in XXXX. I tried to apply for business funding today and got denied because this is on my credit. I need this off ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX MUST REMOVE ALL HARD INQUIRIES THESE ARE UNUTHORIZED. ALSO RELEASE MY XXXXXXXX AND SEND CODE
Product: Checking or savings account

On XX/XX/2023 I went in person to Truist Bank to verify my identity & open a new account. I made a XXXX transfer of {$100.00} from my XXXX account to the Truist checking account on the same date & 2 mobile deposits on the XXXX XXXX XXXX ; one deposit of {$500.00} to the savings, one deposit of {$500.00} to the savings. My account was marked for fraud & closed. I talked on the phone from XXXX CST to resolve the problem & was denied access to reopen my account & haven't been told where my deposits would go. This definitely is starting to feel like a problem with my ethnic/national/hereditary background. I need help with this matter as I am experiencing discrimination without cause or merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not remove the fraud alert form my profile now i can not use my credit cards they have been frozen. 
I never requested to have a fraud alert on my profile this is a XXXX attack on my credit Experian is attacking an old XXXX man they are hurting my good credit when i have worked for years to have good credit!!!!!!! 

I have filled a complaint with the XXXX something needs to be dome about this our complaint case number is XXXX. You will receive an email with a link to your case within approximately 48 hours. XXXX acts as an impartial third party between you and the business in an effort to resolve your complaint. 

Feedback from consumers is vital to XXXX. We appreciate your willingness to report this information to us. We look forward to helping you and the business work toward a resolution. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX VA XXXX dob XX/XX/ SS # XXXX
Product: Consumer Loan

I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!
Product: Checking or savings account

I am writing this complaint, as a follow-up to my previous complaint against PayPal, that I submitted on XX/XX/2022. This complaint was resolved in my favor, which was asking PayPal to provide me with a way to withdraw my funds from an account they closed over a year prior, and despite them stating I may withdraw my funds now, I am still encountering numerous obstacles placed by PayPal. At first I was allowed to withdraw XXXX XXXX then XXXX $ a few days later, and then nothing but errors stating to try later. After countless phone calls with their support, I was told different stories by each PayPal representative telling me first to wait 12 hours, after which I still couldn't withdraw, I called again and was told to wait 72 hours.. Again I waited til 72 hours had passed, yet still couldn't withdraw. I called again and was told by the representative that " you will have to wait for another email from the backhouse '', I then asked to speak with a supervisor, and was DENIED this from the customer support rep, and told " a supervisor can not help '', and whilst still on the phone with this horrible PayPal rep, I was able to transfer XXXX XXXX completely disproving everything this PayPal rep was spewing. Currently, I have not been able to transfer more than XXXX $ every couple days, which is ridiculous considering I have over {$5000.00} still being held from me by PayPal, and forcing me to have to pay absurd fees for each transfer of XXXX $ every few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

New Information : On XX/XX/2022 I previously sent in a dispute requesting Experian delete this inaccurate, erroneous personal information from my consumer report. Compliant # XXXX I attached my identification with my correct address and my dispute letter and I received a notification today XX/XX/2022 that Experian was in the process of removing the address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl. which was was the address in question. Experian violated my consumer rights per FCRA, FCDPA. Experian deleted my correct and current address. My identification proves my accurate address and they deleted my current address. See the proof in my documents. I will seek monetary relief. This is illegal to remove my correct and current address.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 a 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 ) ( a ) 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.