23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company is has conducted many fcra violations of inaccurate credit reporting! I most recently reviewed my reports and noticed that there is different information being reported on the credit and which is a FCRA Credit violation according to section 15 USC 1681. On the XXXX report, it shows that I have 14 late payments. 
On my XXXX  report, it shows that I have 12 late payments. How can they even be possible with the same account??? Thats a fcra credit violation!! I went and backtrack, and this information has been reported with this non matching information for over a year!!! 

The account charged off and XXXX XXXX. The past due balance reported on XX/XX/XXXX was {$110.00} in a total balance of {$570.00} on the XXXX report with a 45 % credit usage. On XX/XX/XXXX it showed a past due balance of {$580.00} with XXXX XXXX credit usage. On today XX/XX/XXXX it shows a past due balance of {$580.00} with XXXX XXXX credit usage. 

Also, as far as the payment history for the month of XXXX XXXX XXXX, it shows no data!!! How is that possible to have no data for the month of XXXX when the account wasnt in charge off status??? as you view the attachments all of the other months have some sort of reporting information. This is another indicator that the creditor is not reporting accurate information which is a violation of my consumer rights.! And another fcra credit violation!!!! Whenever an account is charged off the creditor is not able to change the balance or the credit usage percentage once reported as a charge off account!!! 
! According to the FCRA it is a credit violation to report a charge off account with a PAST DUE BALANCE. They are only allowed to reprort the acct as a unpaid debt only and not a account with a past due balance!!!! By law that it is a credit violation and a violation to my rights! Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX is in violations of consumer law codes ( 15 USC 6808 ) ( 15 USC 1666B ) I was not notified of these late payments below Also, I did not give my written consent for these late payments below to be reported to my credit report this information is incorrect and Inaccurate I demanded this information gets removed immediately. Also, I demand that XXXX, Equifax and XXXX shows proof that I gave my consent for these late payments to be reported to my credit report XXXX  XXXX account # XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MIDLAND CREDIT MANAGEMEN Reported on XX/XX/XXXX ITEM IN DISPUTE : MIDLAND CREDIT MANAGEMEN DISPUTE REASON : Accuracy There were fraudulent charges made on this account. 
The " Account in Dispute '' remark is missing or incorrect. 

Dear MIDLAND CREDIT MANAGEMENT I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX  XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. 

Dispute XXXX : XXXX XXXX XXXX is fraudulent account for XXXX XXXX  was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021, 90 days in XX/XX/2021, 60 days in XX/XX/2021.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilles with fairness, impartiality, and a RESPECT for the consumer 's RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system I never gave my expressed, written consent fle these consumer reporting agencies to report my information, which violated IS U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 Us. Code 1631c-2. These accounts are notrelatedtoany
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have a Loan # XXXX at Home Point Financial - They did a mistake on my account that resulted my account to be late and on default by their mistake. This caused them to report late payments to the credit bureau which caused me to loose a mortgage loan I was closing to purchase a new property. With this said I have now $ XXXX on stake in an Escrow Account. I have been trying to resolve this issue with HOME Point Financial and they were unable to give me proper responses. 
I have sent over 17 emails, and talked to several customer services representatives and managers. Their legal department based on their actions is a total FRAUD. 
They were unable to resolve this problem in timely manner and because of their mistake I am at risk of loss money or expend hundreds of thousands of dollars as I need to take a private loan instead of a conventional loan that was denied because they WRONGFUL ACTIONS. I have spent over a week on the phone with them and they were unable to act towards this mistake.
Product: Debt collection

XXXX XXXX with my wet signature on it? 
Creditors information address location phone number and agent that talk to me personally? 
Proof of payment history payments made and payments not made dates and issue documents? 
Proof of ownership and Authorization to collect?
Product: Credit reporting or other personal consumer reports

XXXX XXXX did not complete the job ( {$15000.00} ) and we attempted to resolve the matter without results. I challenaged the payment on XXXX. They withheld 1/2 payment {$7500.00}. After months attempting to resolve the matter XXXX made it permanent. The company never responded to XXXX nor usXXXX XXXX turned it over to Synergetic Comm for collection. I filed a claim with Arizona Registrar of Contractors,. XXXX XXXX responded, completed the job and I paid them. The deal was I release the claim at AZ XXXX and one at XXXX and they would withdraw all collections info at all the credit bureaus. 
I did my part they did not. It still shows as a collection onXXXX by Synergetic Communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the rights 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 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXXXXXX XXXX  XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

Upon checking my Experian credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

credit reporting agencies XXXX, transition, and XXXX have all publicly produced a credit report without my consent tarnishing my reputation and credit worthniess as by lawful defintion they have violated my right to privacy and their grave responsibility to be impartial and fair in fact they have been very far from fair and absolutely partial in all means of lawful definition. below I will attach and quote all consumer laws in which in fact have been violated by XXXX as follows. 


15 usc 1681 A ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 usc 1681 A ( 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. 
Again I state that I never gave my consent nor did I instruct XXXX to create or furnish this report.
Product: Student loan

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. ( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692 G violations 4.Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

Upon seeing negative info on my Experian credit report by XXXX XXXX XXXX in XX/XX/2023, I wrote to XXXX requesting validation of the {$530.00} they erroneously claim I owe. Because XXXX did not respond within the lawful time allowed and with no subsequent positive change with the matter, I reached out to Experian explaining that XXXX failed to validate or remove the negative info from my credit report. Since bringing these facts to Experian 's attention, the same negative info remains on my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name as first and middle name is changed and they have my new name but they continue to use my old name and when they look into my social security or BMV in Ohio and my new name appears and they won't acknowledge my new name and I dispute it with them and they said that my dispute was settled and they are keeping my old name on their information and it's missing up my credit big time and the company is Experian.com they are a credit bureau firm .... I called them on updating them on all of my updated information and they corrected everything but my first and middle name... if u were to call social security or BMV in Ohio they would have my updated info like my name and where I live and etc...
Product: Debt collection

I received a call from XXXX XXXX XXXX from Stone Leigh Recovery at XXXX eastern time. XXXX did not identify the name of his company on the phone call and did not indicate he was calling in regards to a debt. I told him that I 'm not aware of any personal debts and he should mail me official notice. XXXX wanted me to verify personal information and I refused. My ex wife has many debts that are no longer my obligation and the debt collectors like XXXX use misleading statements to try and gather personal information such as my last XXXX of ss #, mailing address and contact numbers. I learned of the company name after calling the number on the caller id and requesting from XXXX 's brother the name of the company.
Product: Debt collection

I ordered a 30 trial of XXXX XXXX XXXX Next is a sequence of events Aprox XX/XX/2018 i ordered XXXX XXXX XXXX ( i have email ) a 30 day trial to see if it would work in my area XX/XX/2018 i sucsessfully registred my account order number XXXX I have email I recieved my equipment and the XXXX telephone man came to verify that phone line was working, i hooked up my equipment and tested it for promised speed, streaming one tv I could not log onto my computer I called the XXXX tech line and he was helpful and told me that there was not enough speed in my area he tried to increase from his side and asked me to power down and try over the next day I did with no results XX/XX/2018 so i called back and cancelled my service they sent me a return lable to send my equipment back ( i have email ) XX/XX/018 i dropped off the equipment and i have a drop off comfirmation ( i have email ) XX/XX/2018 return complete tracking number XXXX Proof of delivery XX/XX/2018 @ XXXX ( i have email ) Starting on XX/XX/2018 i started recieving automated phone calls about paying my bill i had not recieved my bill yet in the mail I called XXXX that week and asked what was the issue i only had the service for three days before i canceled the thirty day free trial the person on the phone said she could see where i cancelled my service and that i needed to wait for the final bill The first bill came first week of XX/XX/XXXX days after ordering for XXXX dollars I called again the second week of XXXX after multiable auromated calls to me about my XXXX bill being late again the person on the phone said the same thing that they see where i canceled after three days and that i should wait for the final bill The third week i was still getting automated calls from XXXX about my bill so i called a third time and asked why and again they said just about the same thing wait for the final bill this time i asked if they could at least turn off the daily automated bill collecting they said yes and that stopped Thank goodness Now the forth week of XXXX i recieved a threating call from XXXX XXXX   debt collection, i refused to speak to her because of her attitude and i was at work At the end of the forth week of XXXX i recieved another call from convergent a very nice man and i told him the same thing i have stated here and he said he would send it back to XXXX with my statement, Last day of XXXX i recieved another XXXX bill for the same amount XXXX Three days later XX/XX/XXXX i recieved a bill from convergent To the best of my knowlege this is a true statment of facts Please help me take care of this
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681C-2 STATES *EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION, A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIED INFORMATION THAT RESULTED FROM AN " ALLEGED IDENTITY THEFT '' PLEASE REMOVE THESE ACCOUNTS AS IT IS A VIOLATION TO MY CONSUMER RIGHTS.
Product: Debt collection

This company has been reporting to the credit bureaus stating I owe a debt all while not only being unlicensed to do so in XXXX but in the XXXX of XXXX as well. 

The Federal Fair Debt Collection Practices Act ( FDCPA ) regulates both debt collectors who contact you on behalf of your creditor and debt collectors who contact you because they have purchased your defaulted account from the original creditor ( or another debt collector ) and are now trying to collect from you. Law firms who regularly work on debt collection actions are also governed by the FDCPA. 

In addition, all debt collectors operating in New York, whether acting on behalf of a third party or on behalf of themselves, are required to follow New York State law ( Article 29-H of the General Business Law ) governing debt collection practices.

Businesses whose principal purpose is to regularly collect or to attempt to collect personal or household debts from XXXX XXXX XXXX residents must also have a Debt Collection Agency license no matter where the agency is located, including outside of New York State. This licensing requirement includes : Attorneys and law firms who regularly engage in activities traditionally performed by debt collectorsDebt buyers, businesses that buy debt and then try to collect money directly or through the services of another This description is only a general explanation of which businesses need to have a Debt Collection Agency license. You may refer to XXXX XXXX XXXX Administrative Code Section 20-489 for a complete description. Plus XXXX XXXX XXXX and XXXX both require licenses and that the license number be disclosed on all communications with consumers. 

XXXX, NY XXXX required. 

" No person, firm or corporation shall collect, advertise to collect, attempt to collect or hold himself or itself out as able or willing to collect, for hire or remuneration in any form, any bill, debt, demand, sum of money or other thing of value due or claimed to be due or owing to any other person, firm or corporation or conduct the business commonly known as a " collection agency '' without first having obtained a license so to do as hereinafter set forth, provided, however, that the provisions of this chapter shall not apply to an attorney at law engaged in the practice of his profession ; to any banker, bank or banking institution acting within the limits of his or its authority as prescribed by law ; nor to any person, group of persons, firm or corporation engaged in the collection only of debts, demands, sums of money or things of value which are the exclusive property of the person, group of persons, firm or corporation attempting to make such collection. ''
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

I was just notified from XXXX that Grain removed the late remark from XXXX and added a late payment to XXXX. See attached. Also Grain has reported late payment to XXXX as well. I need an immediate answer to see when this will be resolved. You guys are literally ruining my credit. I paid off my account last year and here it is XXXX  and you are still saying I have a XXXX balance. Insane!
Product: Credit reporting or other personal consumer reports

Ally Financial, has caused unwanted marketing problem by not having a paid account loan to be removed from the credit once paid. I have experienced higher debt ratio when a paid car loan remains on the credit report. This debt ratio is used to inflated the cost of the next vehicle, because of the previous vehicle paid status. Meaning that because this information is shared with the dealership it ultimately puts you in a higher car value because you paid off the vehicle. This information should not be shared with the car dealership because it creates a debt ratio trap.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DEFAMATION OF CHARACTER To Whom It May Concern ; This concerns the inaccuracy that is unfairly furnished on my consumer report by your organization which I came to know about on XX/XX/XXXX. Due to this inaccuracy, my right to extend credit has been severely damaged to a great extent and as a result, my public confidence has been undermined which is essential to the continued functioning of the banking system pursuant to 15 USC 1681 ( a ) ( 1 ) According to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Therefore, I hereby put your company on notice and let you know that neither did I authorize you nor gave you consent to provide this report on my behalf. I also want you to know that your company has assumed a vital role in assembling and evaluating consumer credit and other information on consumers. My means of securing the necessities of life has suffered as a result.

Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy.

Your organization neither exercised it's responsibilities with fairness and impartiality nor protected my right to privacy Nothing in the law mandates that information on a consumer or anything be reported to a consumer reporting agency. You are therefore liable I request that you provide me information on the system your organization used to establish whether the transaction occurred or not in relation to the report your organization furnished.

Your organization did not adopt such procedures that meet the need of commerce for consumer credit pursuant to 15 USC 1681 ( a ) ( b ). I hereby demand that you remove the following from my consumer report ; 1. Deletion of all XXXX XXXX XXXX closed credit card accounts opened on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, 2. Deletion of XXXX XXXX XXXX XXXX XXXX  XXXX account opened on XX/XX/XXXX 3. Deletion of XXXX XXXX XXXX XXXX XXXX XXXX  account opened on XX/XX/XXXX 4.Deletion of XXXX XXXX XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX 5. Deletion of XXXX XXXX hard inquiry on XXXX XXXX 6. Deletion of XXXX XXXX XXXX XXXX hard inquiry on XX/XX/XXXX, XX/XX/XXXX 7. Deletion of XXXX hard inquiry on XX/XX/XXXX 8. Deletion of Dept Of Education accounts opened on XX/XX/XXXX, XX/XX/XXXX FAILURE TO ACCEPT MY REQUESTS WILL ESCALATE THIS MATTER TO FEDERAL COURT Thank you for your cooperation. 
Sincerely, XXXX XXXX XXXX