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

I have reached out to the credit bureaus of XXXX and XXXX for the account of the Kohls/ CapOne charge card that is listed under me. I have sent numerous validation letters to both credit bureaus and recently on XX/XX/2021. I've sent a letter to XXXX and XXXX about the account that they are penalizing me for hoping they would oblige and acknowledge the errors I sent to them that relate to their account. As of yesterday ( XX/XX/2021 ), I have heard from both credit bureaus XXXX and XXXX stating that the account is to be updated. XXXX received my letter of the account asking to be removed because of lack of information, errors, and missing information, a normal dispute takes up to 30 days for processing. Now XXXX did not process my dispute letter until XX/XX/2021, XXXX got back to me with that dispute letter with results on XX/XX/2021. That was not a proper investigation to me nor the protocol that is stated by law by the Fair credit billing act. The same information that was listed in the letters that had my concerns relating to that account, was not updated nor replace with information that is able to see or provide where the information was gotten from.
Product: Credit reporting or other personal consumer reports

MAILED ( CERTIFIED ) VERIFICATION LETTERS FOR COLLECTION ACCOUNTS TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> MAILED ( CERTIFIED ) CREDIT REPORT HIGHLIGHTING INACCURACIES TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> ) MAILED ( CERTIFIED ) XXXX XXXX  PROOF OF PAID ACCOUNT TO ( XXXX / XXXX / TRANSUNION ) ON XX/XX/year> ( MAILED AGAIN XX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesn't belong to me and is reporting fraudulently - Remove ASAP- I have disputed with the CFPB.
Product: Debt collection

I sent a debt validation letter XX/XX/2021. This company has failed to validate my debt. Instead they sent a list of my medical records, which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file, and cease all collection activities immediately.
Product: Debt collection

RAS LaVrar, LLC., representing XXXX XXXX filed a small claims action against me last year in XXXX XXXX XXXX Florida XXXX Managing partner, XXXX XXXX is the attorney of record for Plaintiff. During the on-going litigation, LaVrar has willfully failed to make discovery, has TWICE failed to appear at hearings, has had illegal ex-parte communications with the judge, ( who has now recused herself, but is still getting a XXXX Complaint anyway ). In response to my Request for Production of Documents, LaVrar submitted a production file with over 135 pages of meaningless, non-responsive documents and further raised meritless, boiler-plate objections to the majority of the Requests, all of which were for discoverable evidence. Litigating in bad faith and engaging in dilatory stalling tactics violates several of the Rules Regulating the Florida Bar governing lawyer conduct, in particular, Bar Rule 4-3.2 requiring lawyers to expedite litigation.
Product: Vehicle loan or lease

Hyundai capital is reporting a past due charged off account under my social ending in XXXX. This is not my account and is listed to a XXXX XXXX. 

My dob is XX/XX/1981
Product: Debt collection

For the last three years I've been making payments to a company called Honor Finance through a wage garnishment writ. 25 % of my bi weekly checks have been getting drawn out of my account, which in total is {$9400.00}. I sent a cease and desist letter out to XXXX Corporate Offices, as well as the Office Of the Ex Officio ( Whom are enforcing the garnishment ) on XX/XX/XXXX of XXXX to advise to no longer withdraw money from my account. My Garnishments started in XXXX of XXXX and are still going til today. I paid over market value and when I contacted the Lawyer on the case and he advised that my payments should have stopped in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Experian, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, and made phone calls ( and spoke to ) Experian customer service regarding XXXX XXXX Account XXXX reporting a XXXX delinquency in a month for which I was current 30 days prior ( according to Experian 's XXXX data on my credit report ). My letter, attached, states : XXXX. In XX/XX/XXXX, I was current ( as noted in XXXX version of my credit history ). 
XXXX. However, in XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 30 days prior ). 
XXXX. In XX/XX/XXXX, Experian is incorrectly reporting my XXXX account as 90 days past due ( impossible since I was CURRENT 60 days prior ). 

I received a dispute resolution ( Experian ) Report Number XXXX Date Generated XX/XX/XXXX, and Experian refused to correct the obvious errors.
Product: Mortgage

I had a loan modification from Bank of America loan on XXXX/XXXX/2010 currently owned XXXX. I never received XXXX HAMP Modification - Borrower Incentive XXXX as on the site XXXX XXXX ) '' If the borrower 's monthly payment ( principal, interest, taxes, and all related property insurance and homeowners ' or condo association fees, but excluding mortgage insurance ) is reduced by 6 % or more, the borrower will earn an annual " pay for performance '' principal balance reduction payment for up to five years equal to the lesser of the following : {$1000.00} XXXX {$83.00} per month ), orone-half of the reduction in the borrower 's annualized monthly payment for each month a timely payment is made. 
I would like the {$83.00} per month borrower incentive applied to the principal of my loan for 5 years then on the XXXX anniversary I would like the {$5000.00} applied to the principal.
Product: Mortgage

Guaranteed Rate offered 3 %, 15 year and {$99.00} in points to refinance my XXXX home for a principal of $ XXXX and estimated value of $ XXXX. It was a good deal. The appraisal was completed 2 days before rate expiration at $ XXXX, 6 % lower than my initial estimate. I proposed a loan principal of $ XXXX, keeping equity healthy at XXXX %. Guaranteed Rate played brinksmanship with a late appraisal and then claimed they were not obligated to honor their 3 % offer and attempted to move me to 3.25 %. Guaranteed Rate did dot honor the offered terms all because appraisal was XXXX % lower than estimate. A clear case of bait and switch.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my account. I didn't have this auto loan. I believe that somebody used my personal information to apply for it.
Product: Credit card or prepaid card

According to the credit report act.this creditor is violating my rights under XXXX5USC1681 section 602 states I have the rights to privacy 15USC1681 section on 6048 section 2 it also states a consumer report agency can not furnish an account without my written instructions, under 15USC166B a creditor may not threaten a payment or a credit card account, under all open a consumer credit plan as late by any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on a payment plan with XXXX. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$250.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX company should not have reported a late payment on my account, that was their error and I have been trying to resolve it for months. They should not be reporting this whatsoever and it's annoying that it's still on my credit report, still.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationwide fraudulently reported several accounts on my credit reports using different names. Now, this company has re-aged this account on all of my credit reports ; making it appear that the account was charged off in XXXX. They are reporting that I have negative payment history since XXXX. This is not true. The account was closed in XXXX. Nationwide is reporting this false and incorrect information to XXXX, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

lexis sent me a " we removed some things but were not going to tell you what or send you a new report letter because we dont trust you '' letter. 

This is illegal. If changes were or were not made to a consumer credit file, the consumer MUST be sent a corrected copy, not have to begging for it. 

Furthermore I dont think ALL of the requested items were purged.I provided plenty of information from the data furnishers themselves. 

" public records '' was never officially defined for me. WHO? people have names. PIs have licenses. courthouses have county names. sherriffs are not allowed to slander people. companies are not allowed to extort people. 

This needs to be corrected on all legitimate and nonlegitimate CRAs reporting or reselling ANY information whatsoever. 

company REMAINS IN NONCOMPLIANCE with FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my driver license and social security card In accordance to the FCRA act, Ally has violated my rights for 6 months with all 3 credit bureaus.

15 USA 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states fa consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a_ Definitions, rules of construction Exclusio
ns-Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open end consumer credit plan as late for purpose.

Account is reporting with 2 different amounts of high credit Account is reporting with 2 different past due amounts Account is being reported with 3 different dates of last activity Account is being reported with 2 different dates of payment history If this is the same account being reported by the same creditor why are dates amounts, status of account all different Account Status is different with all credit bureaus : Reported as collection, charge off and write off/profit loss Inaccurate balance amount is reporting to 3 credit bureaus
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

At around XXXX on XX/XX/XXXX, I checked my account balance and it was at - {$.00}. I made a {$10.00} deposit into my account which brought my balance to {$9.00}. By XXXX, my account had been charged a {$34.00} late fee for a {$7.00} charge. When I spoke with the bank, they said the {$7.00} charge was at my account on the XXXX, but that charge was not on my account, nor was it pending on the XXXX. 

The bank has also said their policy is that if your account if overdrawn, if the funds are replaced by XXXX, there will be no fee, but my account did not show that it was overdrawn on the XXXX, so I had no idea there were funds that needed to be replaced. The bank processed the the {$7.00} charge, and their {$34.00} fee at the same time giving me no opportunity to rectify the account.
Product: Student loan

My student loans were transferred from Navient to XXXX XXXX on XXXX XXXX XXXX as part of my enrollment in the XXXX XXXX XXXX XXXX program. In this transfer, the history of my payments, and which repayment plan each payment was made under, was lost. I contacted Navient on XX/XX/XXXX by phone and an employee was able to give me a detailed summary of each payment I made and the repayment plan the payment was made under while my loans were serviced by Navient. However, this information has not been provided to me in writing and has not been provided to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received notification that I applied for a XXXX Credit Card Application number XXXX. I did not authorize nor did I apply for a credit card at anytime with XXXX XXXX or XXXX XXXX  XXXX. This fraudulent activity has impacted my credit score and produced a Hard inquiry on my credit report. I rarely shop at XXXX and never authorized the company to share my personal information or initiate any credit granting on my behalf. This act is clear credit card fraud and identity theft. XXXX   erroneously and egregiously attempted to utilize my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion are reporting fraudulent inquiries in my credit file. 
These creditors and companies violated my consumer rights by accessing my credit file without my consent. I dont not have and accounts or services with these creditors nor did I ask for credit or services with these companies.
Product: Money transfer, virtual currency, or money service

I had a cash app account open since XXXX of XXXX and all of these unauthorized charges started coming out of my account totaling up to XXXX and my information was breached and someone had opened up an account in my name in XXXX Florida where I have never lived before and when I tried to contact customer service they do not have one available no phone number or anything and out the blue they closed my account in XX/XX/XXXX without no given reason and I never received a refund for the amount requested above
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act, 15 USC 1681 section 602 a, explicitly states that consumer reporting agencies must treat their duties with 'fairness, impartiality, and a respect for the consumer 's right to privacy. ' As the Consumer, it is my right to ensure that my private information is not shared, as supported by 15 USC 6801, which outlines each financial institution 's obligation to protect the privacy and confidentiality of their customers ' nonpublic personal information. 

Under 15 USC 1681 section 604 a section 2, '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. ' I have not given my written consent for JPMCB CARD SERVICE, XXXX, and XXXX, to share my information. Any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) states that 'a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' JPMCB CARD SERVICE never informed me of my right to opt-out of information sharing. 

XXXX and XXXX 's reporting practices violate multiple sections of the Fair Credit Reporting Act, including 15 USC 1681C ( a ) ( 5 ), which stipulates that no consumer reporting agency may include any adverse information without the consumer 's permission. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) A prohibits the sharing of inaccurate information, while 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures. 

I am exercising my right to opt-out of JPMCB CARD SERVICE reporting services, per 12 CFR 1016.7. This reporting agency has not demonstrated reasonable procedures and is failing to uphold the Fair Credit Reporting Act. Therefore, I object to the continued sharing of my personal information.
Product: Checking or savings account

I opened a new citi priority account in XXXX. Citibank offered a promotion of {$700.00} if the new account held funds over {$50000.00} for 60 days. I deposited the required money. I asked a citibank agent on their chat service whether the funds would qualify for the promotion in a citi accelerate savings account, as opposed to their standard savings account. The agent confirmed this. I have a documented record of this conversation. When the promotional deposit did not arrive as expected, I checked with two other citibank agents about the delay on two separate occasions. Both of these agents confirmed that I was eligible and that I should have received the bonus already. I have a documented record of these conversations as well. The second agent submitted a dispute in order to correct the mistake. After a week or so, I received an electronic letter from citibank stating that I was not in fact eligible for the promotion, due to the deposit moving from one savings account to another. I then called citibank 's customer service line in order to straighten out the problem. I explained to the agent on the phone that I had checked in advance and that I should have received the bonus. They also submitted a dispute explaining the chat history. I received the exact same denial letter a week later.
Product: Debt collection

A debt collection agency by the name of Grant and Weber is reporting a debt on my XXXX, XXXX, and XXXX Credit reports. The amount of the debt reports to be for {$510.00} The report that the account Original Creditor was XXXX XXXX XXXX XXXX and was opened on XX/XX/2029. 

I have filed several disputes with this debt collector as this was an account that I have no knowledge of nor did I authorize it being open. It is the result of some form of ID Theft. however, the company always comeback with the standard response as, " Verified as Accurate ''. However, no further details are provided. No copies of a DL or any type of documents to suppose the opening of the account. 

As a result of this inaccurate and incorrect reporting, my security clearances with my present employer are in direct jeopardy and I could very well loose my job. To that end, I am requesting a thorough review and these reporting 's be removed from my XXXX, XXXX, and XXXX credit reports immediately and sent back to the original creditor for further review and investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon Reviewed my credit file, it appears there is a XXXX Collection in the amount of {$210.00} that have already settled. It Reappear in my credit files after it was already settle with the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My RISE loan account was paid in full on XX/XX/2023. RISE is still reporting a balance on this account to the credit bureaus. I have emailed RISE and sent a credit dispute and they have not responded to my email and responded to dispute incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

After throughly reviewing my credit report I found PROOF OF INACCURATE REPORTING. Which is also a violation of FCRA
Product: Mortgage

I have been trying to sell my house for almost 6 months and have been held up due to loss of documentation by Carrington Mortgage Services. 
There is a subordinate loan that was originally owned by HUD  for the amount of {$7300.00} that was transferred to Carrington in XXXXXXXX XXXX  ( documentation attached ). 
After calling many times, I was notified that I could fax Carrington 's research department to ask for the missing information. I have attached a letter from Carrington explaining that they are the servicer for this loan but that it will take an additional month to provide a payoff or release on this matter. 

This issue has already led to almost losing the house, already losing a buyer, and I am hoping to not lose another one. This has been a horrendous experience due to Carrington 's lack of organization and responsibility. I have spent many hours painstakingly trying to obtain this information. 

I am anxiously seeking any assistance that can be provided on this matter.
Product: Consumer Loan

After Wells Fargo erroneously reported my account as delinquent to the credit reporting agencies, I setup auto-draft for my payment. After setting up the auto-draft, I received a email confirmation that only the payment amount would be drafted. When the payment drafted, it was more than double my payment and what was stated in the email confirmation. The next month, the same thing happened and I received a call that all would be resolved and never received another response as promised by the caller. After following up due to how funds were missapplied and reapplied, I finally received a letter that contained 2 previous letters that I somehow did not receive, letters I am sure were doctored and backdated after my last correspondence with them. The letters admitted that funds were erroneously applied, but also stated that I agreed to have late charges drafted out of my account, which I never did. They included a letter from XX/XX/XXXX that I never received, so when I went to check my wells fargo account inbox to validate that this " letter '' sent XX/XX/XXXX ( supposedly ) via regular mail was the same as the electronic confirmation that I received in my account inbox, S\surprisingly, the confirmation from the auto-draft is no longer in my inbox. I find everything that this bank has done as highly suspicious and more than despicable business practices. If they just admitted that they misapplied payments that they drafted, I could possibly understand, but to mislead consumers in electronic communication, state that they sent letters that I happen to never received ( I am sure the letters included in their last correspondence were falsified documents ), and then offer no remediation for their callous and unscrupulous behavior is appalling considering their recent scams. However, I guess I should not be surprised. Additionally, they have reported that my account was one month late when I paid the account before a month had expired, therefore the payment was not one month late. Although I have explained this several times, I find it hard to believe that a company full of bankers can not count or can not determine when a full month has elapsed. However, I guess no one can expect much from such a criminal bank such as Wells Fargo.