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

To Whom It May Concern, I am writing to you in connection with the corporate account XXXX associated with XXXX XXXX, for which I am listed as a contact or representative. I recently came to learn that there may be an understanding or implication that I am personally liable for this account. I would like to formally clarify the nature of my association with this account. 

I wish to state unequivocally that at no point in time have I personally guaranteed or agreed to be personally liable for any debts, obligations, or responsibilities associated with this corporate account. Any agreement or contract made with XXXX XXXX should be entirely under its corporate entity and should not extend to its individual officers, directors, or employees in their personal capacity, unless explicitly agreed upon. 

If there has been any oversight or misunderstanding in this matter, I kindly request that it be rectified immediately. I also request any documentation or evidence you might have that suggests personal liability on my part. If such documentation exists, please share it with me at the earliest so I can review and take necessary action. If no such documentation exists, please confirm in writing that there is no personal liability attached to me for the aforementioned account. 

I value the business relationship XXXX XXXX has with XXXX XXXX XXXX and hope to resolve this matter promptly and amicably. Your understanding and cooperation in this matter are highly appreciated. 

Thank you
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau the documents needed are a picture id a bill and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX  debt final rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I am requesting that you block this information from my credit report within four business days, pursuant to section 605C of the FCRA, I have given you my license as well as information requested from the list of acceptable items which 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Debt collection

This is the second agency trying to collect on the same debt that has been submitted to FTC months ago. I called XXXX  about the account in XX/XX/2017 to be closed which it was continued to be billed until XX/XX/2017. I contact the original creditor which states they could not zero the balance because it was sold to collection agency.
Product: Credit reporting

I have spent countless hours and thousands of dollars cleaning up my credit report in order to refinance my home mortgage. I have paid membership to this credit agency which allows me to monitor my credit and my credit score. this membership costs me {$240.00} a year and I expect to have accurate information. 
I recently applied for a refinance loan because the credit score that I see when I log into my account shows XXXX. However, when the lender pulled my credit scores they indicated that my score is XXXX, almost a XXXX point difference. I was denied the loan because their minimum score is XXXX. I do not understand why the scores are so different and why I am not advised as to any other scores that may be provided to creditors.
Product: Credit reporting or other personal consumer reports

I am requesting all information be removed due to data breach
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX : {$3600.00} XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

Ive repeatedly sent letters to this debt collection company in regards to this expired debt to how theyre violating my fair act debt collection practice act 15 repeated phone calls and letters
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed. to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date.

1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WA XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974 by the credit reporting agencies ( CRAs ) XXXX, XXXX, and Experian. 

****THIS COMPLAINT IS SPECIFIC TO EXPERIAN**** I recently investigated my credit report and found several inaccurate accounts/ creditors in my report.

As outlined in the Privacy Act of 1974, consumers are entitled to certain privacy protections regarding their personal information. I believe that the CRAs have violated my privacy rights by not adequately protecting my information and failing to notify me of how my personal data is being used or shared without my explicit consent, as further supported by 15 USC 1681.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

15 U.S. Code 1681i ( a ) ( 1 ) requires the CRA to investigate any disputed information, including inaccurate late payments, within 30 days of the dispute being filed.

15 U.S. Code 1681i ( 5 ) ( A ) mandates that if the CRA or creditor finds that the disputed late payment information is inaccurate or unverifiable, it must be promptly deleted or corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax,, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed a Bankruptcy ( acct : XXXX ) on my credit report and disputed it with the credit bureaus in XXXX XXXX LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX of XXXX  asking that they verify the information. Being an XXXXXXXX  this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus equifax, XXXX and XXXX XXXX in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called XXXX, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I submitted a complaint based on Premium Credit Bureau pulling an authorized hard inquiry on my credit report. XX/XX/XXXX they responded confirming that within 60 days the hard inquiry will be suppressed. 

It's been 323 days and the unauthorized hard inquiry is still on my credit report. See page 28 of my XX/XX/XXXX XXXX Credit Report attached.
Product: Debt collection

My name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, ARS National Services INC is using extortionate means to collect o

n an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. This is a notice sent as per the Fair debt Collection Practice Act ( F.D.C.P.A ) 15 U.S.C. 1692 ( G ) section 809 ( B ). This is a request for accounting request raiding list of collateral or statement of account reference to U.C.C 9-210. This authenticated record must include all tax fillings ( including all 1099 's, and 1098 's ) any and all trades and /or investments and /or interests associated wit
h this account of which I am alleged to be a party.

This is also a Notice exercising my rights to prevent the processing of my personal data by ARS National Services INC. Please be advised that providing a memorandum or other statement from your agency, stating that ARS National Services INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report if reporting. PLEASE BE ADVISED YOU ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA. 
see attachment
Product: Checking or savings account

My brother XXXX was admitted to the hospital in XXXX. His wallet was stolen, a police report was filed. It was then realized that his debit card was used fraduently. The bank ( Wells Fargo ) was notified and stated that there was no fraud and the charged are legitimate. The bank also left the account open which allowed the perpertrature to continue using the account until XX/XX/XXXX. An approximate total of {$15000.00} was removed from his account and a second complaint filed for approximately {$6000.00}. The bank is still claiming the original {$9000.00} is ligitimate.
Product: Mortgage

In XXXX while married to my ex-wife, we co-signed on a mortgage for her family member through XXXX XXXX. In XXXX we filed for bankruptcy. In that bankruptcy that loan was discharged. XXXX XXXX was certainly notified. They, however, hired a collection company, Phelan Hallinan Diamond XXXX PC. We notified them in writing, complete with documentation to back up our claims in XXXX. On XXXX XXXX, XXXX, we were served a Summons and Complaint to appear in court in XXXX ( we are in XXXX ). As a result of this firm 's lack of due diligence, as well as XXXX, my credit continues to be hit monthly, negative reports added, and I have been prevented from selling my home because I can not obtain a loan for a new house. I am also unable to get any kind of consumer credit at a reasonable interest rate. My credit bureau reports that I have a foreclosure on my record, and that is not true. We have tried numerous times to contact the collection firm, with XXXX response. These actions are inflicting undue financial and emotional hardships on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is simple. I have a credit card account that is closed due to a hardship and we settled on a 60 month payment plan. However, Experian is still showing I have a credit limit even though the account is closed and thereby causing my credit report to show I am using 100 % of my credit which is false. On XXXX it is correct. XXXX is showing the true credit utilization rate but Experian is not. So when try to apply for financial services of any kind I am unable to get approved. This is causing me additional hardship due to not being able to come out ahead in my financial situation. I already filed a dispute but was not successful. I talked to an Experian representative but no luck. Sent a second dispute but no luck. Called credit card company but nothing they can do because it is already closed. So I need help with showing my true and correct credit utilization rate.
Product: Checking or savings account

Check was supposed to be deposited into account on XX/XX/2020 but they said account was closed then on XX/XX/2020 a direct deposit check from my employer was deposited into an account that was supposed to be closed out and chase telephone customer support told me the check was being sent out and should arrive in 12 business days. I called chase customer support on XX/XX/2020 and told me they had to reissue the check and wait another 22 days for it to come in the mail. I called chase bank on XX/XX/2020, a month after not getting my money, to find status on check that was supposed to be sent to me and was told it should arrive by XX/XX/2020. XXXX XXXX 2020 still no check, called chase telephone customer service and was bounced around to different departments ( loss prevention, accounts recovery ) they finally told me that instead of mailing a check that they took all the money and put into an old account where i owed money and i would not be recieving any funds. They did not tell me and did not have my consent to use that money.
Product: Credit card or prepaid card

Brinks sent me a debit card with my name and a CVC code on back. The paper attached also had an account number and routing number, and it said to call to activate it. I called once, but was unable to reach a live representative. I also tried to email them at their customer service email, but the it was 'not delivered/returned a few days later ', so I tried another email they had listed on their site, and had no luck with that. I want to know why the card was sent, as I did not order one. I am concerned because I can not reach anyone, and want to know what is going on ( i.e. If my identity has been stolen, etc ).
Product: Vehicle loan or lease

I applied for a car online through Carvana and was approved with XXXX deposit. I submitted the paperwork they requested for proof of income ( 2 paycheck stubs ) and proof of address ( bank statement and cable bill ), then they requested more because I work for myself. They requested that I send in 3 months of BUSINESS bank statements. This loan through them was under my personal social security number and was to be a personal call not a business car. I called them and told them that I did not feel comfortable sending in bank statements from my business nor would our board allow that to happen, so instead I was asked to send in my W2 which I did. The next day I got a email saying they are still requesting 3 months of business bank statements. At this point I have asked for my application to be removed from the system. It 's not okay to ask for someone to send in business banking statements that have nothing to do with the loan at hand
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX/DEPT OF ED, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX/DEPT OF ED, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I am being sued for a Debt that I still don't owe. I have asked several times to have the original contract that is signed to verify it is mine. On both occasion 's I was sent statements, and Midland Credit XXXX XXXX agreement. Never have I Received a XXXX with my signature. 
Debt Buyer : Midland Credit Managment Account # : XXXX Amount : {$3500.00} I have been to court and have to go again in XX/XX/2024. Midland Credit Managment is suing me for {$3500.00} plus court cost. 
I have seen that MIDLAND CREDIT MANAGMENT is a subsidiary of ENCORE CAPITAL GROUP XXXX INC has been fined for the same thing that they are doing to me. XXXX XXXX that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

They have been calling my work line after I disclosed I can not receive calls at work, they have been calling my sister several times and I did not give them her cell phone. They call me obsessively about 4 times a day. I had to block them from my phone.,