23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Subject : Urgent Complaint Regarding Unjustified Credit Score Drop and Poor Customer Service Dear Financial Protection Bureau, I am writing to file a complaint regarding a significant issue I encountered with Experian, one of the major credit reporting agencies. Upon logging into my Experian account online, I discovered a sudden and unexplained drop of XXXX points in my credit score. 

Upon further investigation, Experian claims that my XXXX XXXX account with a balance of {$520.00} is negatively impacting my credit score. However, this information is inaccurate. The reported balance and alleged negative impact do not align with the reality of my XXXX XXXX account, which is clean and in good standing. 

Despite my attempts to resolve this matter, I faced insurmountable challenges in dealing with Experian 's customer service. The first representative I spoke to was unhelpful and, to my disbelief, abruptly hung up on me. Subsequent attempts to address the issue were equally frustrating, with the second representative refusing to connect me with a supervisor. 

Moreover, I am troubled by the fact that every time I call Experian, my calls are directed to representatives in XXXX. This practice raises concerns about the security and confidentiality of my personal information, as I am required to provide sensitive details to individuals located outside of the country. 

I find it disconcerting that requesting to speak with a representative based in the United States is denied, and this restriction adds an additional layer of discomfort in resolving credit-related issues. 

I urge the Financial Protection Bureau to investigate this matter promptly, as the inaccuracies in my credit report and the unhelpful customer service practices at Experian are not only damaging but also reflect a breach of trust and adherence to regulatory standards. 

I appreciate your prompt attention to this matter and trust that appropriate actions will be taken to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

First progress on 2 different occasions have posted that my balance has decreased meaning it is paid but both times have resulted in my credit score going down. XX/XX/XXXX shows negative XXXX points and that my balance decreased by XXXX. I paid that on time ahead of time and they can't tell me why my score went down. I checked XXXX today and noticed my score went down XXXX more points they told me it was for a XXXX dollar payment which I paid XXXX to take care of with another charge ahead of time. They don't have an answer why on that either. They don't take emails and want me to mail in my bank statements to show that I paid on time even though in their system they only have me with XXXX late payment ever. I'm building my credit score and the only negative impacts I've been having is from firat progress after making an on time payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still awaiting feedback from the complaint I submitted with XXXX on my credit score. It's been over 60 days since XXXX 's initial response on this complaint filed here and I have not heard anything back, nor has anything been addressed as to why my credit score dropped XXXX points without a reason. 

There is still an ongoing problem with Great Lakes student loan servicer either not reporting my payments to XXXX, XXXX, and XXXX, or with these credit bureaus not updating the loan status on my credit reports. The loan balance has not been updated since I made a payment on XX/XX/XXXX. This is an ongoing issue. The balance on my Great Lakes loans was {$8800.00} on XX/XX/XXXX. On XX/XX/XXXX, the balance was {$8600.00} and as of today, the balance is still being reported at {$8800.00}, as of XX/XX/XXXX. As of today, the balance is {$8600.00}. 

This results in an old past due student loan from Nelnet never falling off of my credit reports, keeping my credit score from improving. The last past due/missed loan payment occurred in XX/XX/XXXX, and the Nelnet loans have been paid off since XX/XX/XXXX. 

I want these issues resolved as I am trying to restore my credit score to what is was prior to the XXXX point drop back in XXXX XXXX. 

Thank you.
Product: Credit reporting or other personal consumer reports

I have been carefully reviewing my recent credit reports and noticed that some of my personal information is being reported inaccurately. To assist in correcting and updating these errors, I have attached copies of my identification documents for your verification. Please review them and ensure that the necessary changes are made to reflect the correct information on my report. Please make sure that there is only 1 address and 1 name reporting no aliases and such. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Disputed account information with current creditor as credit report directly conflicts information recently reported by the original creditor, as of XX/XX/2020. Current creditor insists the verification process is thorough and accurate. However, the difference between the two amounts reported is several XXXX dollars, and the order of error magnitude is twice whats reported by the original creditor.
Product: Debt collection

I, XXXX XXXX, am writing this complaint as a result of being threatened by a debt collector. The name of this abusive debt collection agency is LVNV FUNDING LLC DBA RESURGENT. I, XXXX XXXX, have been constantly harassed and threatened by LVNV FUNDING LLC DBA RESURGENT multiple times. This is both confusing and a violation of the FDCPA per 15 USC 1692e ( 14 ) being that they have two names. LVNV FUNDING LLC was sent a request to properly validate the alleged date on XX/XX/year>. Within the letter requesting validation of debt, LVNV FUNDING LLC was also told to " cease and desist '' as quoted directly from the letter sent to them, " If your offices are able to provide the proper documentation as requested pursuant 12 CFR 1006.34c in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. '' This request was not honored and LVNV FUNDING LLC persisted to harass me XXXX XXXX immediately after receiving a notice to properly validate the alleged debt which is a violation per 15 USC 1692c ( c ). LVNV FUNDING LLC were asked questions in the request for debt validation as an attempt to confirm if they were legally allowed to have XXXX XXXX 'S personal information and if they were legally allowed to collect in the state I, XXXX XXXX resided in. They completely ignored those questions and persisted on sending more electronic emails coercing XXXX XXXX to pay the alleged debt by bringing attention to the fact that they are counting down before they take legal action by sending the matter to an attorney which is a violation per 18 U.S. Code 894 - Collection of extensions of credit by extortionate means and per 15 USC 1692e ( 4 ), and 15 USC 1692e ( 10 ). LVNV FUNDING LLC did all of this without proving that the alleged debt legally belongs to XXXX XXXX. This behavior is harassment, and abusive, and quite frankly causing unnecessary stress and emotional discomfort which is a violation of the FDCPA. LVNV FUNDING LLC is also furnished the collection account inaccurately on XXXX XXXX 'S consumer disclosure reports in which the information in the payment history section is reflected as " No Data '' which indicates an incomplete account. This is a violation of the FCRA per 15 USC 1681 pertaining to accuracy and fairness of credit reporting. I, XXXX XXXXXXXX, am aware that LVNV FUNDING LLC were sued by KEVIN LARGE v. LVNV FUNDING LLC, PENNELL v. LVNV FUNDING LLC, and RAMOS v. LVNV FUNDING LLC. Each case the lost for abusive behavior. LVNV FUNDING LLC is liable per 15 USC 1692K Civil liability and many more violations. Lastly, LVNV FUNDING LLC was sent an Affidavit of Truth in which they ignored and did not rebuttal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. Yet they ( Equifax ) has violated my rights several times. I demand the unauthorized inquiries listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax any written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

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

( 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. 

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

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

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit from the site identitytheft.gov. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am trying to do a short sale on my property but the lender did a drive by BPO and over valued the property. The property exterior and interior is falling apart. 
The lender refused to do an interior. since the property is over valued just from a drive by I am deemed not eligible for a short sale. If they come out and do a full appraisal of the property they will see the property is not worth the price tag they put on it. 
I have been in contact with the lender and they said that its not eligible for a short sale so they wont order an interior appraisal. 

These are all the things that needs to be addressed and taken into consideration regarding the value of the prop The drive by value is completely over valued as these are only some of the things listed here. 
But there is quite a bit of other problems that will have to be addressed : Major termite damage throughout the entire home, some of the floors are very thin and need major repairs. 
The basement has a mice infestation. 
Hot water heater needs to be replaced and is over 25 years old. 
Gutters are damaged and need to be replaced. 
The driveway and pavement need repairs and have concrete damage. 
Foundation cracks on the walls in the basement. 
Exterior wood has some termite damage. 
Shingles on the exterior need repairs, has some missing shingles. 
The enclosed front porch has collapsed and the exterior front of the home has vines that have grown and penetrated through the walls and as well has poison ivy. 
The floor in the attic is open and needs insulation repairs. 
House has plaster walls and may have termite damage. 
The third bedroom had a water leak from the roof, the ceiling is damaged and cracked open. 
The kitchen needs updating. 
Loose Tiles in the bathroom. 
The bathroom sink and bathroom as a whole need to be updated along with the toilet since it is leaking. 
Crack in the corner of the room in the living room. 
Parts of the cellar need repairs. 
The sump pump needs maintenance Electrical Panel needs to be repaired ; it has not been improved since the 1950s. 
Washer and Dryer Units to be removed. 
New Air Conditioning Unit Aluminum Sheds outside of the home need to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visited XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, on XXXX XXXX, 2020. I test drove two cars and was given a quote on one. The dealership had a copy of my driver 's license but I did not give them my SSN. I did not indicate that I wanted to buy or lease a car from them, though they asked me to do so. I did not fill out any paper work. I did not want at any time to buy or lease a car from the dealership and never said I would do so. 

On XX/XX/XXXX I got a notice from XXXX that on XXXX XXXX, 2020, XXXX XXXX of XXXX had run a credit report on me. I looked on the XXXX website and verified that XXXX XXXX had made a " new inquiry. '' I never gave them permission or gave them any information that would have permitted that. Their sales manager, when I called him on XX/XX/XXXX, denied they had done anything but copied my driver 's license and had not run my credit. But of course they had. I called XXXX XXXX, which claims their dealers are independent and I need to deal with the dealer. Absurd. response. i told them they have a dealer agreement which for sure requires their dealers to obey the law. and they should enforce it. 

I am filing this complaint that my credit was accessed without my authorization by XXXX XXXX in XXXX XXXX and that XXXX XXXX is responsible for the unlawful action of its dealer. Also at fault are my salesman and his manager.
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates. 
Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) XXXX 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Debt collection

I am very upset. My rights are being violated, and I can not tolerate this. This is about a Hyundai Capital America account. Here is the account information : Account # XXXX, opened date XX/XX/2017, original balance $ XXXX. 

This company is violating the California Credit Reporting Act. I am demanding a fair solution to this matter Just want to mention some violatoins that they have committed : - Inconsistent credit reporting across bureaus. 
- Failing to investigate account. 
- Unfait business practices. 

Please send the attached documentation to Hyundai Capital America. 

Thank you very much.
Product: Credit card

Credit score XXXX Credit utility 45 % 100 % on time payment 28.34 % I'm asking for 21 % Was told nobody, no matter what, was getting reduced interest rates from Capitol One. 
Didn't matter history, nor credit score.

We are being lied to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, NAVY FEDERAL CREDIT UNION used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. NAVY FEDERAL CREDIT UNION reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.
Product: Credit reporting or other personal consumer reports

I have noticed inaccurate information reporting on my credit report. I have sent a few letters regarding this to XXXX. However they have not complied or shown they have started an investigation and i have grown tired of waiting. They continued to send stall letters to prove my identity and to send the corresponding documents, which I did XXXX.
Product: Credit card or prepaid card

Care Credit Synchrony Bank - can not make payment through automated system-rarely been able to bee advised in writing they have removed fees and charges but the balance never goes down. I have a balance of {$2200.00} for months. Asked to speak to Call Center Supervisor. Cust XXXX- Care got someone in Collections- sorry can not transfer you. [ XXXX ] XXXX Badge XXXX - Made payment! Confirm # XXXX XX/XX/XXXX {$110.00} They continue to call as " UNKNOWN ''. Do not know if tel spoof or what! Just have them post what they promised earlier-
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are reporting XXXX and XXXX XXXX XXXX on my credit. I have no idea where any of these come from. I reported asking what theyre reporting and how do I owe as we never did business. There are companies continuing to make false verifications to collect fraudulent payments that arent owed to them. I would like a true investigation not false verified. All documents need to be sent to me as Ive never signed anything with either company.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCT of the consumer to whom it relates. I NEVER gave any consumer reporting agency the Written permission, to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the ACCOUNTS, listed IMMEDIATELY! OR LOOK FORWARD TO LEGAL MATTERS!!!
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner 15 U.S. Code 1692c - Communication in connection with debt collection. at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 

XXXX XXXX Experian Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX 
Account Number XXXX Comments Charged off account, Fixed rate Closed Date XX/XX/XXXX XX/XX/XXXX Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms 12 Months Scheduled Payment High Balance {$120.00} Loan Type Other Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Paid by collateral Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Charge Account Responsibility Individual Company Name XXXX XXXX XXXX Account Number XXXX  Comments Charged off account Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  XXXX Account XXXX XXXX Comments Charged off account, Account closed by credit grantor Details XXXX XXXX Experian Open Date XX/XX/XXXX XXXX, XXXX Last Activity XX/XX/XXXX XXXX, XXXX Terms Scheduled Payment High Balance Loan Type Credit Card Responsibility Individual Company Name XXXX XXXX XXXX  Account Number XXXX  Comments Charged off account
Product: Debt collection

In XX/XX/XXXX, I took out a {$3000.00} personal loan from XXXX. Somehow, my payments got linked to my XXXX daughter 's debit card ( that she gets money on for chores and good grades ), so when they tried to draft my payments, they didn't go through. I didn't realize this happened and they closed my account and sold it to Alliant Capital Management, a debt collector. I settled with Alliant, made payments, and paid off my balance. Meanwhile, XXXX retracted the sale of my debt but I was not notified, so I continued paying Alliant. On XX/XX/XXXX, I received a letter from XXXX that my account had been closed again and charged off and that I owed {$3.00}, XXXX. I have called XXXX many times, they say that Alliant hasn't sent them the money and that there is nothing that they can do. I have called Alliant many times. They said they transferred the debt to XXXX XXXX but that my obligation was completed. Alliant did send me a document on XX/XX/XXXX that my obligation was complete. I sent this to XXXX but they said it didn't matter because they still didn't have the money. I have called XXXX and they say that they sent payment to XXXX and that there is nothing else they can do.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX. 
Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX XXXX if the consumer has provided XXXX  documentation to the consumer. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I asked XXXX, XXXX, and Equifax to delete inaccurate information from my report regarding the below accounts that does not belong to me. 

Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off Account Name : XXXX XXXX  Date Reported Opened : XX/XX/XXXX Amount : {$1100.00} Charge Off Account Name : XXXX XXXX Date Reported Opened : XX/XX/XXXX Amount : XXXX Charge Off
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XX/XX/XXXX had Transunion to fraudulently open an account in their name on my credit profile for the amount of {$340.00}. I am asking that this account is removed immediately. Thank You.