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

Experian is reporting information of accounts that have been identified as opened fraudulently. According to the FCRA 605B any accounts that have been opened by way of identity theft shall be blocked from reporting and removed. 

These accounts are Account name XXXX BANK Account number XXXX Account type Credit card XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$850.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$500.00} Highest balance {$850.00} Terms name XXXX XXXX XXXX. 
Account number XXXX Account type XXXX XXXX XXXX XXXX  Individual Date opened XX/XX/XXXX Status Account charged off. {$42.00} written off. {$42.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$42.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1800.00} Highest balance {$82.00} Terms - Account name XXXX XXXX XXXX BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$640.00} written off. {$640.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$640.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$400.00} Highest balance {$640.00} Account name XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment {$50.00} as of XX/XX/XXXX Monthly payment - Credit limit {$450.00} Highest balance {$1400.00} Account name XXXX XXXX XXXX  Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX XXXX XXXX account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1100.00} Account name XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXX  account. {$870.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$870.00} Balance updated XX/XX/XXXX Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX XXXX XXXX account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$480.00} These accounts should be removed off my account immediately as they are a result a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  should not be reporting that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. Equifax and XXXX  should also not be reporting that I am ( 30 ) days late on the XXXX XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted both XXXX XXXX and XXXX XXXX, as well as the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report the account as past due and the foreclosure sale happened in XX/XX/XXXX. The property sold at sheriff sale for {$230000.00} and the balance due to the lender XXXX  XXXX was {$160000.00}. I received the difference plus {$7500.00} from buyer for immediate access ( see attached ). In spite of repeated letter and emails to the XXXX  XXXX the account continues to report incorrectly on my Experian credit report. XXXX does not report XXXX and XXXX stopped reporting activity in XX/XX/XXXX. 

Back Story My 14 year marriage ended in XX/XX/XXXX. In the divorce I received the marital property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At that time the 1st mortgage was with the XXXX  XXXX in the amount of {$170000.00} in my name alone and entirely my responsibility. 

Unfortunately there was also a second mortgage in my ex husband name only with XXXX  XXXX XXXX for around $ XXXX which he used for business. Although he was ordered by the court to continue to make payments on that second mortgage, in XX/XX/XXXX I learned that the second was in default and that he had completely stopped making payments. Because of fear of foreclosure and also becoming homeless with my XXXX children, I chose to protect my family and purchased another home in XX/XX/XXXX. When I moved I was able to find a tenant to lease the home for $ XXXX/ month for 12 months which allowed me to cover the mortgage, tax payments, and insurance. Once they moved out and the property taxes went up to non-homestead rates I could no longer afford to continue to make payments on the home. 

I was also unable to sell it because of the second lien which was my ex husband 's responsibility. I had no other option than to allow it to foreclose to settle my debt.
Product: Credit reporting

XXXX BANK is not factual and after I paid debt I was promised of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX  is held liable as well for defamation and in the state of FLORIDA allows for serious fines .XXXX XXXX is not HIPAA-compliant I fail to see where XXXX XXXX is in compliance with FLORIDA LAW. XXXX XXXX has not even tried to contact me regarding this collection account. Please DELETE/REMOVE this account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Following a credit denial letter from my mortgage holder, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX CA XXXX. Phone XXXX on XX/XX/2020. I contacted the main source of the derogatory report, Core Logic Credco of XXXX XXXX XXXX, XXXX XXXX CA XXXX on XX/XX/2020. 
Based on an FTC document, Core Logic Credco provides supplemental information to the major credit reporting companies and is required to provide consumers a copy of any report used in a credit decision by its customers. 
I identified myself to the Corelogic Credco agent as a requirement for receipt of the report and after this the agent demanded access to my Consumer Credit file. I refused and the agent in turn denied me the report.

I am uncertain about the legitimacy of this arrangement because credit inquiries will negatively impact a credit score so why is the source of consumer credit transactions trying to downgrade my credit? 
I demand a copy of the information they claim to have on me. I have given Corelogic Credco my PII including my social security number and now I am concerned. 
Thank you for any help in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I Don't Have Any Use Or Acknowledgment Of This Inquiry On My Credit Report And I Did Not Consent
Product: Debt collection

First of all I DO N'T owe ANY debt to Central Financial Control, don '' t know who they are, and have NEVER signed ANY agreement, or contract with this organization!!! Furthermore, this type of extortion shakedown conduct is illegal, and against the law per the F.C.R.A. 
Until Central Financial Control can provide me, XXXX XXXX XXXX XXXX with the ORIGINAL signed contract agreement with them that created this erroneous debt, also providing signed documentation they have the right to collect ( extort ) this erroneous debt they 're claiming in addition, to providing a itemized accounting of how it arrived at the erroneous total amount including any interest, and fees added to the suppose erroneous extortion original amount. I have I requested the above mentioned proof in writing XXXX/XXXX/16, and per the F.C.R.A. NO collection action is to take place until the above requested documents have been sent to me, which they have NOT.
Product: Credit card

My company, XXXX, had a XXXX card with XXXX bank in XX/XX/XXXX to XX/XX/XXXX. As a result of the financial crises of XX/XX/XXXX/XX/XX/XXXX the company failed and filed XXXX XXXX Bankruptcy in XX/XX/XXXX. This debt was included, and XXXX, as part of the Bankruptcy. XXXX sold off this account to XXXX in XX/XX/XXXX and they were told by myself that this was a corporate, not personal, debt which had been XXXX in Bankruptcy. They, meaning XXXX XXXX, agreed to remove the debt from my personal credit ; which they did. It is now more than 5 years later and all of a sudden it has appeared on my personal credit once again. The first time it was an inadvertent error which they corrected after I filed formal complaints against them with the CFPB and Attorney Generals Office of New Mexico where I was living at the time. However, this time it feels as though it is malicious in nature and nothing more than extortion. They are trying to collect on a XXXX debt that they have been formally advised was disputed more than 5 years after the fact. This is harassment and a violation of my rights as a consumer and also a violation of THE FAIR DEBT ACT. Please help me resolve this matter once more and advise of my rights to seek damages against an out of control collection agency.
Product: Credit reporting or other personal consumer reports

I examined my Consumer Reports and observed that there are two instances of delayed payments on an account for which I have a consistent history of making timely payments. Consumer Reporting Agencies play a crucial role and carry the responsibility of accurately reporting consumer information to the highest degree of accuracy. I want to clarify that I have always made my payments on time for the following account : XXXX XXXX : # XXXX. Also, I spoke with the creditor and they also confirmed I was not late specifically on XX/XX/XXXX, XX/XX/XXXX. I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. 

REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX REFERENCE PAYMENT CONFIRMATION XX/XX/XXXXXXXX  : XXXX I kindly request that you conduct an investigation into these reported late payments and provide supporting evidence in the form of statements indicating the specific instances of lateness. In the event that concrete proof can not be furnished, I insist that these payments be rectified and updated to reflect their true status as 'on time, ' as I can affirmatively state that I have never made late payments. Again please resolve this by removing all late payments reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against inaccurate reporting on my credit report related to account number [ XXXX ] The account is reported inconsistently across XXXX and Equifax, showing different dispute statuses. Additionally, the balance is listed as {$6400.00}, despite being marked as " Collection/Chargeoff, '' which suggests it should no longer be an active balance. The " Date of Last Payment '' and two-year payment history are missing from all reports, further indicating incomplete and inaccurate reporting. 

I have previously disputed this account with all three credit bureaus, but the issues remain unresolved, violating the Fair Credit Reporting Act ( FCRA ) requirements under 15 U.S.C. 1681i ( failure to investigate ) and 15 U.S.C. 1681e ( b ) ( reporting inaccurate information ). 

I request that the CFPB investigate this matter, ensure proper verification, and mandate that the credit reporting agencies correct the inaccuracies or remove the account from my credit report if they can not verify the accuracy.
Product: Debt collection

Had the worst experience with XXXX XXXX XXXX. Where to begin, was not in a good spot with finances and go into credit card debt. It got to the point the bank submitted it over to XXXX XXXX XXXX for debt collection. They gave me a summons so, this was already not a good situation. I wanted to get this taken care of of quickly and at 1st they were willing to help. But once I found another debt consolidation alternative way to pay, they were no longer willing to cooperate with me. They ended up not giving over any information. All my debt consolidation agency needed was a power of attorney. We went to court where even a judge ruled that they had to work with me. They never got back to them to work it out. Now here we are a year later and now they put a stop hold on my account for DOUBLE THE MONEY! I would like to post this complaint for everyone to see.
Product: Debt collection

I had a debt with this collections attorneys office for 6 years, I 've paid regularly monthly. I have even made lump sum payments on this medical debt. Last month I received a call that my card had expired that they charge monthly. I gave her the updated card information and while on the phone with her asked what we could settle my debt for and get this all cleaned up. She said she would check and call me back. I recieved a call offering to settle for XXXX now and XXXX next month. I told her I would have to think about that. 2 Weeks later my employer gets a letter that they were garnishing my wages. I had paid on this debt with them for 6 years and then they said I was not paying it and added fees and interest, and more attorneys fees. I never canceled or defaulted on my obligations to pay them, its not fair of them to do that when we had an agreement. Why would I call and update my card information if I wanted to cancel paying? This is just a scam for them to get more money and is not right. When I called to say hey what the heck, they said you need to go ahead and settle now for XXXX more than what it was last month or now that we have the garnishment it is really going to affect your credit. I am so furious with this company, I have done my best to work with them to pay a medical debt and they are treating me like a criminal with no rights.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th attempt to get this matter resolved but then again my request is still being ignored. I have a loan with XXXX XXXX XXXX and I always made my payments on time. For some reason, I realized that there were 30 days of late payments for the month of XX/XX/2021. I have read enough to understand my rights. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA.and is wilfully non-complying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payments from these accounts. Below are the accounts with erroneous information that I'd like remedied ASAP. 

XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$7600.00} with a derogatory payment status, equifax is reporting a balance of XXXX with a current payment status and, Equifax is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Product: Vehicle loan or lease

Billing statement and the app used to make payments is deceptive. In addition the way they handle traffic tickets is deceptive as well. On the billing statement, the total amount due is mentioned several times as well as on the app. You click more details on the app and again it shows total amount due. On the lease statement upper right hand corner shows a list of all fees and in large letters at the bottom it say in bold letters TOTAL AMOUNT DUE. Same on the app. It is deceptive and if you pay that TOTAL AMOUNT DUE your going to be billed a late charge because above the TOTAL AMOUNT DUE in small print it show other fees. The page is set up for you to believe its the total of the amount due. Its not and if you dont pay the additional fees separately your fees will be deducted from the declared TOTAL AMOUNT DUE and you then your payment is reduced and you will incur a late fee and have now not made your payment on time. If in the process of your payment made date and payment process date you incurred a traffic fine which is billed to lease company they will deduct that amount from your TOTAL AMOUNT DUE without notifying you and again you will incur a late fee. Not only do you not ever see the ticket or know where and when you got it, you can not dispute it nor do you get a receipt showing you paid the fine. My attempt to discuss it with the company resulted in speaking on a scratchy line with someone I could hardly understand. On two separate calls. I found out from calling the billing department if you press the right sequence of numbers you will actually get the right TOTAL Amount due. Which is never declared on the app or statement.
Product: Credit reporting

I asked Transunion why the dropped my XXXX score by XXXX points, of course they just could n't answer the question, so they said the account listed below is the reason listing " new information '' this is totally false and inaccurate, I have made all payments on time more over I have paid XXXX to creditors sins this report, I have researched this extensively and my XXXX score should be going up by leaps and bounds as I have played XXXX to creditors and have not missed XXXX payment. Listed below is the fair crdit act which they are in violation of. 

XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today XX/XX/2021 at XXXX XXXX received am alert of an outstanding account. Once I checked on it I had no idea what it is from but then I saw XXXX/CHIME on my credit report I knew automatically that it is fraud. CHIME is a prepaid debit card, and one card is a " Credit Builder '' card. I have both and there is no way possible that I can use the card without first loading money onto it. The alert say On XX/XX/2021 I was reported to XXXX  for owing XXXX/CHIME in the amount of XXXX. This is FRAUD! My card is active an since I've started using it I've kept money on it. It's impossible to owe a prepaid card. No fees, no set up fees, nothing just load and use to supposedly raise your credit. I don't qualify for a spending advance that CHIME offers because I don't get enough direct deposits, and it's only {$20.00}. But that's an offer that I don't qualify for. I can NOT possibly owe them any money, PLEASE help me. This is FRAUD AGAIN! My restoration specialist name is XXXX XXXX XXXX. My contact is XXXX and my mobile number is XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX