davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (NY)

Regarding Calvary Portfolio Services, Account # XXXX Good day, Please assist me for I have no where else to turn for Help. This collections account is showing negatively, unlawfully and inaccurate information on my credit report for months now. Ive first reached out to Calvary Portfolio since XX/XX/XXXX of this year when I found out about their existence on my credit report. Since then, Ive been calling Calvary asking for a validation letter, proof thats it is mine, and signed agreement, and still to this day, I have not received anything. Ive even reached out to Citibank. I saw on my credit report they were the original creditor, and asked for the same requested paperwork. They said to call Portfolio, they no longer own the account. Ive then tried XXXX, XXXX and XXXX, and they all kept stating its verified, but with no proof. All three credit reporting agencies have totally different information on this account showing on my credit report, so it doesnt make sense how they can verify the accuracy of this account without my approval, consent, or have any signed document giving the authorization or validating this account is mine.. 
First, its an account I have no signed agreement with and no prior written notice of. I have NEVER received anything ( physical paperwork, or phone call, email, nothing of the kind ) from Calvary or XXXX. Ever. 
Next, Its also an account that shows an address that I have no affiliations with : XXXX XXXX XXXX XXXX XXXX, NY XXXX My address which Ive for over XXXX is listed below. The attachment shows proof of that. 
Also, its marked as a charge off account since XXXX of XXXX, yet the balance continue to increase? That illegal. Legally, once an account is charged off, the balance freezes, but does not continue to accrue. So whoever this account belongs to, hopefully will catch that error as well. 
In addition, upon contacting both Calvary Portfolio and XXXX, the original creditor that sold the account, for validation of this account, including ID verification, its now XXXX months of repeated attempts per my request, but yet, Im still left with no documents from them proving this account is mine. 
Ive attached documents proving the horrible and disgusting means this companys false information is damaging on my credit report for I wish to have this permanently removed from all consumer reporting agencies. 
Im more upset over the fact that Ive tried for months reaching to all consumer reporting agencies, even requesting proof of their verification attempts, yet Im left with nothing, hence my plea to CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (MI)

I am writing to formally dispute an account that appears on my credit report as fraudulent. I have recently reviewed my credit report and found an inaccurate collection account that does not belong to me. I did not open this account and I have no knowledge of this debt. The details of the fraudulent collection are as follows : Creditor/Collection Agency : XXXX XXXX  XXXX ONLINE INFORMATION SERV Account Number : XXXX Date of Report : XXXX XXXX I demand that XXXX XXXX XXXX/ ONLINE INFORMATION SERV be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (NC)

I had an account with American Express, and in the month of XX/XX/2023 they reported an inaccurate late payment on my credit report. In XXXX of this year, I recieved a message that I missed a payment and I disputed it and my account was closed by American Express in XXXX and reported to the credit reporting agencies as closed, however, they continue to report my account 30, 60, 90 days late inaccurately as a closed account can not have an open balance. The late payments being piled on to my credit profile is unlawful and should be removed.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: American Credit Acceptance, LLC (IL)

Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of multiple hard inquiries on my credit report that I believe to be inaccurate and unauthorized. These inquiries are negatively impacting my credit score, and I request that they be promptly removed from my credit report. I demand that these unauthorized hard inquiries be removed from my credit report within three ( 3 ) business days from the date of this letter. Failure to do so will result in further action to ensure the accuracy of my credit report. Thank you for your prompt attention to this matter. I look forward to the swift resolution of this dispute. Sincerely,
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I've made multiple attempts to resolve the issue of false, erroneous, and misleading data on my consumer report, but the problem persists. These inaccuracies have had a profound negative impact on my life, causing substantial XXXX and stress. I must emphasize that I never authorized this information to be associated with my name, as I've been a victim of identity theft.
Consumer complaint received 2024-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Bank of America regarding a disputed charge for {$1600.00}, referenced by claim number XXXX XXXX XXXX XXXXXX/XX/XXXX, I discovered an incorrect charge on my Bank of America account from the XXXX XXXX I contacted Bank of America to dispute this transaction and was granted a temporary credit while the matter was investigated. I provided Bank of America with supporting documentation that clearly demonstrates the XXXX XXXX XXXX error in charging my account. Despite this evidence, Bank of America denied my claim and the temporary credit was revoked. I then submitted a reconsideration request with additional evidence, but this was also denied. I have been unable to receive a clear explanation from Bank of America regarding the reasons for the denial. I believe Bank of America has mishandled this dispute and failed to adequately investigate the validity of my claim. This has caused me significant financial hardship. I request that the CFPB review my case and assist me in resolving this matter with Bank of Of America. I would like the disputed charge of {$1600.00} to be permanently removed from my account.It is XXXX  and I still do not have my funds back in my account.
Consumer complaint received 2024-08-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (MI)

Roundpoint Mortgage has failed to refund my {$5800.00} escrow overage months after the closing on my previous mortgage. 

XX/XX/year> Closing on the property - advised shortly thereafter by Roundpoint that they would issue any escrow refunds within XXXX business days of closing. My address was updated to my current address at that time. 
XX/XX/year> Issuance of escrow analysis by Roundpoint detailing the amount owed XX/XX/year> I spoke with an agent at Roundpoint since I have not received the check in the amount they sent me. I was advised I should wait another XXXX business days because stopping payment on the original check would cause further delays. 
XX/XX/year> I spoke with an agent and they with their supervisor and the check has not been received. Roundpoint advised it would take another XXXX business days to stop-payment on the check and then they could reissue another one. I advised that was unacceptable given the significant lapse in timeline. They reconsidered and advised that, since the original check had been returned to them because of an incorrect address ( neither of which are true ), they could reissue a check by XX/XX/year> and that I should receive it in the next week. 
XX/XX/year> I received a check dated XX/XX/year> in the appropriate amount and deposited it to my bank XX/XX/year> I was advised by my bank that the check was not viable and the funds were removed from my account XX/XX/year> I contacted Roundpoint again and requested that a check be issued immediately and overnighted to me. They agreed to do so and to provide a tracking number to me via email. The direct contact I was given was XXXX. 
XX/XX/year> I have not received a tracking number or any contact from Roundpoint. I emailed the address provided and have not received a response. 

Roundpoint 's phone system is programmed to forward all closed mortgages to a recorded phone tree ( with no ability to speak to a human or seek additional assistance ). In order to seek additional assistance, I sit on their recorded line for XXXX minutes entering false authentication information and am then placed into a queue to speak to humans. This is not conducive to any issue resolution on closed mortgages.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (DC)

On both XX/XX/XXXX, XX/XX/XXXX, I authorized a wire transfer using my XXXX XXXX card that ends with ( XXXX ). I noticed that both of my debit cards werte not in my wallet. I notified both Cash APP ( XXXX ) and XXXX XXXX XXXX of this immediately. Cash App informed me that the account with debit card ending in XXXX was closed on XXXX XX/XX/XXXX at XXXX XXXX CST. ( Email Account ). Cash App also informed me that they had received both transactions of {$980.00} plus {$20.00} service fee for a combined total of {$1000.00} each. With the Cash App account that was closed, I wasnt able to gain access to the account. According to Cash App Policy on Closed Banks & Expired Cards. ( Attached Document ( ). XXXX XXXX XXXX declined the dispute for several factors, which include evidence that the charges/rtransactions in question are valid. This only means that Cash App had also received them as well. Keep in mind, because the Cash App account was closed and my card reported lost/stolen, that the money would be sent back to the sender which is XXXX XXXX XXXX which is managed by XXXX According too multiple phone calls between both parties, the dispute/transactions both have been denied. Currently, the disputes have not been taken care.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation (TX)

The presence of incorrect, unknown, and unverified information on my credit report is a defamation to my character and reputation. I request that these inaccuracies be removed immediately to prevent further harm to my creditworthiness and personal integrity.
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (OK)

Phoenix Financial Services LLC sent me a debt notification letter stating I had until XX/XX/XXXX to dispute or request validation. They received my request on XX/XX/XXXX and proceeded to flag the debt as a collection with XXXX on XX/XX/XXXX advising them it was an account opened on XX/XX/XXXX. I believe this to be deceptive practice and a FDCPA violation. Furthermore they did not report it as a medical account owed from XX/XX/XXXX.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

I am writing to formally dispute the unauthorized inquiry on my credit report, as permitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have reviewed my credit report and discovered that Conserve has obtained my credit information without my explicit written consent.

According to 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only under specific circumstances and with the consumer 's explicit authorization. I did not provide any such authorization to Conserve, nor did I consent to the furnishing or obtaining of my information.

I request that you : 1.Conduct a thorough investigation of this unauthorized inquiry.

2.Provide me with a copy of any written consent or documentation that Conserve claims to have regarding this inquiry.

3. Remove the unauthorized inquiry from my credit report.

4. Provide written confirmation once the inquiry has been removed.

Please consider this letter a formal request for an investigation under the FCRA. I expect to receive a response within the 30-day timeframe mandated by the Act.

Enclosed are copies of my credit report highlighting the unauthorized inquiry, as well as a copy of my ID for verification purposes.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures :
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 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 ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Self Financial Inc. (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION (TN)

Debt Validation Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/2024 Dear XXXX, After viewing a copy of my credit report, I noticed an account placed on my credit from XXXX, account number # XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any vehicle purchase made from and resulting in a debt owed to this merchant and I am seeking the original bill of sale, purchase contract and vehicle registration with my signature showing to which I owned this vehicle, and this debt. 
Therefore, this is my request for validation of debt. 

Please provide the original bill of sale and purchase contract showing my signature. 
Provide a copy of the consumer loan agreement, with my signature clear and legible, from the original creditor BB & T account number # XXXX, that shows I applied for and was approved for this vehicle loan. 
Provide a copy of the vehicle registration and title upon initial sale and payoff. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. I request full documentation of what you received from the creditor in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with the above requested proof. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am filing this complaint personally. A review of my credit report revealed late payment entries. I sent letters regarding this issue over 30 days ago but have received no response, nor have I been provided with adequate validation. I'm seeking your help to address this situation.
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

AARGON AGENCY INC - Acct # XXXX XXXX and XXXX have this agency on my credit report this is for something I have never opened applied for or even know about. I have sent multiple letters and opened up multiple disputes with both bureaus and yet no verification has been sent to me of this debt and it still remains in my credit report. I am getting pretty upset and this is affecting my credit score for something I have no clue about. 

and XXXX XXXX XXXX - Acct # XXXX this is anotjer one that is on my crredit and yet I have not opened any sort of account or know of this debt this one too I have tried disputing multiple times and yet nothing is being done no verification is being sent and this is ruining my credit. 

Why do I have to pay for someone elses mistakes and why are the bureaus not responsive.