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

I have reached out to this company XXXX times about the inconsistency and incompleteness of my credit reports and they have failed to preform a proper investigation as you can see from below how they are reporting the information. Please delete this account at once. 

I reached out to the company on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21 and they have to respond to any request with proper validation per FTC XXXX. 

Payment history is reporting and it should be blank filled. Account status reporting as closed with XXXX and open with XXXX. Account status incorrect should only be reporting as XXXX, XXXX, XXXX, or XXXX. Past due amount should not be reporting as I do not have a contract with this company. Date of last payment is not reporting so I do not know the purge date or if it's still inside the statute of limitations. 

LVNV FUNDING LLC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XXXX : XXXX XXXX XXXX XXXX Account # Account Type Open Open Type Detail FactoringCompanyAccount CollectionServices FactoringCompanyAccount Finance Ownership Individual Individual Account Status Closed Open Payment Status CollectionOrChargeOff CollectionOrChargeOff Monthly Payment Date Opened XXXX XXXX Balance XXXX XXXX Terms XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  High Balance XXXX XXXX Credit Limit XXXX XXXX Past Due XXXX XXXX Last Reported XXXX XXXX Date Last Active XXXX XXXX Date of Last Payment
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.. 
Account Name .... XXXX XXXX XXXX  .... Account # XXXX ... Account Name... XXXX  XXXX  .... Account # XXXX ... Account Name .... XXXX XXXX XXXX ... Account # XXXX .... Account Name .... XXXX XXXX ... ..Account # XXXX .... Account Name ... XXXX XXXX XXXX XXXX ... Account # XXXX ... Account Name ... XXXX  ... Account # XXXX ... ... ... 15 u.s.c 1681 section 602 A. states i have the right to privacy..

15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions...

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years..

15 u.s.c 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account in my name unknown person stole identity to open credit card in my name to obtain stolen goods XXXX XXXX XXXX  Amount XXXX Open XX/XX/2013
Product: Credit reporting or other personal consumer reports

Response to an insufficient validation you sent to me.This collection is not accurate or can be validated. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the alleged debt. I already asked that you provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A complete Audit Trail calculation of this balance, including the complete payment history on this account 3 ) Documentation that shows I agreed to pay this debt with my signature and documentation shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to you having my information and unauthorized use of my social security number is identity theft and you will be reported for such. 
4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you rights to collect in my state.6. ( Thepurchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you ) 7. ( Senior Executive from your office to Swear under penalty of perjury this corporation were present during the alleged debt you nor I can validate this because we wasnt present ) 8. ( The Original Promissory Note on this Alleged Debt ) Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act and FDCPA.Also you have committed the following FDCPA Violations you are sending deceptive forms making false belief that I owe you.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumer that a person other than the creditor of suchconsumeris participating in the collection of or in an attempt to collect a debt suchconsumer allegedly owes such creditor when in fact such person is not so participating. I am not participating in the collection of this alleged debt.

Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my credit reports, except to provide me with accurate validation of this debt by U.S. mail only not the same insufficient docs you already sent.

I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX  to have confirmation of proof.

You have 15 days from the date of this letter to respond with all items requested and I demand this item be removed immediately from all credit reporting agencies and 3rd parties or I will seek lMonetary compensation damages for the violations you already committed.
Product: Mortgage

Ocwen Loan Servicing LLC has been misapplying our payments in order to fraudulently misrepresent that we owe one back payment ( approximately ; the figure varies randomly ). All the proof previously submitted to Ocwen and in our previous CFPB complaint proves that we have never been late or in default on a payment since our loan modification went into effect years ago. After our initial complaint to the CFPB you said we would receive an explanation from their ombudsman. We NEVER have received any explanation. On the contrary, the " ombudsman '' just attached the same documentation back to us that proves we made all our payments, with no acknowledgment of our very clear demands, no explanation of the reason for their misattribution, and no apology or compensation offered for the damage done to my credit score, my time and my health. They subject me to the constant stress of falsely threatening me with foreclosure. You at the CFPB must follow up and make sure that I receive compensation and full vindication of my financial records. You should review the case and do your own investigation, as they have failed after numerous letters and phone calls trying to get them to stop the false double billing every month. I tried to make a phone payment to them and have them apply it correctly to the XXXX bill but they said they would be applying it to the XXXX bill even though they acknowledged that the XXXX amount was paid on XXXX XXXX. By the way on the phone menu I requested the " relationship manager '' on the account. The person who answered, one XXXX, was clearly not a manager at all, even less a relationship manager, because she simply read boilerplate to me and provided no attempt to answer these questions ; on the contrary she said she had to apply the payment to XXXX as that was what showed, and said we could address any complaints to the Research Department ( this designation on the phone menu was so blatantly false that this also rises to the level of fraud ). Since there have been no results whatsoever from our bringing this to the attention of Ocwen 's " Research Department '' where they repeatedly refer us ( and who never answer ), and to their corporate administration, please review this matter and reply to us within two weeks, as this has gone on far too long ( for years ), and it is clear it will continue forever unless you take action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mortgage shows late and it was on a COVID forbearance. It should have never been reported as late and to do so is illegal. The mortgage company knew it was in forbearance and has since been brought current. It has been corrected on all of my husbands except for transition but all three credit bureaus are showing the mortgage late under my social security number and credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my repeated attempts to contact Equifax, I am disappointed by their ongoing failure to remove the inaccurate information from my consumer report. This situation is causing me considerable emotional distress and is a violation of my privacy rights. I kindly request that Equifax takes immediate action to rectify this matter within XXXX calendar days. If no action is taken, I will be compelled to pursue further legal measures.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Demand for Validation of Debt Under 15 USC 1692g and 1692e** Dear XXXX XXXX I am writing to formally dispute the accuracy of information contained in my credit report. As a consumer who values financial responsibility, I am deeply concerned about the derogatory entries that have been reported by your bureau. It has come to my attention that these entries are in direct violation of the Metro 2 Compliance guidelines, which are designed to ensure fairness and accuracy in credit reporting.

I have thoroughly reviewed my credit report, which I obtained from your bureau .To my dismay, I discovered several inaccurate and misleading items that are tarnishing my creditworthiness. The following accounts are specifically in dispute : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Metro 2 Compliance guidelines, credit bureaus are required to conduct thorough investigations into disputed information within 30 days. Furthermore, inaccurate or unverifiable information must be promptly corrected or deleted from my credit report.

I demand that you immediately initiate an investigation into the following accounts and take the necessary steps to rectify the inaccuracies. Failure to comply with the Metro 2 Compliance guidelines will be viewed as a violation of my rights as a consumer, and I am prepared to take all necessary legal actions to protect my interests. 
In addition to requesting the removal of the inaccuracies, I also request that you provide me with WRITTEN documentation of the investigation results, including any supporting evidence or documents that were relied upon during the verification process. 
Please be aware that I am well-versed in my rights under the FCRA and will not hesitate to escalate this matter if necessary. I value the importance of accurate credit reporting, and I expect nothing less from your bureau.

I have also included a complaint with the Fair Trade Commission to further support my claim with the creditors in question.

I kindly request that you acknowledge receipt of this dispute letter within 15 days of its delivery.

Furthermore, I expect a timely and thorough investigation to be conducted in compliance with the FCRA and Metro 2 guidelines. 
Thank you for your immediate attention to this matter. I trust that you will rectify the inaccuracies promptly and restore the integrity of my credit report. Failure to comply with my demands will leave me with no choice but to seek legal remedies to protect my rights. 
Sincerely, XXXX XXXX
Product: Mortgage

I made the decision to purchase a home and my realtor suggested PHH Mortgage Broker ; I should have researched the matter but I did not and agreed to use them. They have made the whole process harder than it needs to be and have repeatedly asked for information that had already been provided. The close has been scheduled three times and each time the underwriter has comes back with more requirements. Instead of having an open line of communication it is one way ; the whole process is terrible and while I know things have changed PHH Mortgage is a hard company to deal with that does nothing to help the customer. I reached out to another company, XXXX XXXX and they were much more helpful but unfortunately for me I have only XXXX options walk away from the house XXXX a cash offer is on the table ) or continue with the bad choice of PHH Mortgage. I want to ensure this does not happen to anyone else. Research the mortgage broker/company!
Product: Credit reporting, credit repair services, or other personal consumer reports

This happened during  XXXX  and  XXXX  time period. Synchrony bank needs to audit my acc ount ( s  ). Since they manage more than one company and there are people that have or have had accounts spanning more th an one  of their companies they need to do an audit on all accounts showing delinquent on my report. I just paid off something I 'm not sure I owe because my credit went from being excellent to extremely bad. You ca n't find anyone at Synchrony that can look at all of it. When you call they ask you which company do you have a card with. I went in circles with them on  my TJ Max  account over the last year and they were confusing two accounts. Applying money toward an account with a  XXXX  balance when I mailed in the payment for the correct account. I have tried speaking to the fraud department at Synchrony and I 've tried speaking to customer servic e for TJ Max  and  Steinmart, I 've  tried talking to my bank (   XXXX   ) to see if they can help but since it does n't involve them they have been wonderful at guiding me down this horrible path. I am moving from    XXXX   XXXX    to    XXXX   XXXX   as soon as  this gets straightened out and my credit fixed. The people working at this company are not competent enough nor do they care enough to correct this issue. I have always prided myself on having excellent credit and I had no idea this was going on behind the scenes until recently. Who can get this corrected and restore  my credit score an d have this incorrect information removed from my credit report?
Product: Credit reporting or other personal consumer reports

I was looking over my consumer report and found hard inquiries that I do not recognize. Please take these inquiries off my report. Here are the inquiries I do not recognize : 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX via dealer. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX 10. XXXX XXXX XXXX XXXX. 11. XXXX XXXX 12. XXXX via XXXX XXXX 13. XXXX 14. XXXX via Transunion interactive 15. XXXX via XXXX 16. XXXX XXXX XXXX XXXX 17. XXXX 18. XXXX via XXXX XXXX 19. XXXX XXXX XXXX 20. Transunion XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX XXXX 23. XXXX XXXX 24. XXXX XXXX XXXX 25. XXXX XXXX 26. XXXX 27. XXXX via XXXX XXXX XXXX 28. XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX 31. XXXX XXXX 32. XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Stuart-Lippman and Associates first attempted to contact me on XXXX XXXX, XXXX by phone. They left me a voicemail stating they were a claims collector and that they needed me to call the regarding a claim. 

This call was followed up by an undated letter that was received on XXXX XXXX, XXXX stating that I had XXXX  days to respond and dispute the validity of the debt. I responded by certified letter mailed on XXXX XXXX, XXXX disputing the debt and requesting verification. This letter was signed for as received by XXXX XXXX on XXXX XXXX, XXXX. 

Stuart-Lippman and Associates sent me another letter on XXXX XXXX, XXXX stating that they had previously contacted me, but did not verify the debt in their letter. 

I have since received XXXX additional calls, the first on XXXX XXXX, XXXX and the second on XXXX XXXX, XXXX. Today, I received a letter dated XXXX XXXX, XXXX stating that Stuart-Lippman and Associates wanted to allow me to " satisfy this claim on a voluntary basis '' and that if I did not pay within XXXX  days of receipt that it would " result in increased collection efforts '' and that I should " govern '' my " actions wisely. '' I perceive this to be a threat to sue me or damage my credit illegally, especially because I followed the law and disputed the alleged debt within the legally prescribed number of days.
Product: Credit reporting or other personal consumer reports

Account Number : XXXX Reason : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) and 15 U.S.C. 1666c, any information disputed by a consumer that is found to be inaccurate, incomplete, or can not be verified must be promptly deleted or corrected to reflect accurate information. Additionally, there is a clear discrepancy between the reporting by Experian and XXXX. Experian has reported a 60-day late payment for XX/XX/year>, while XXXX reflects all payments as current with no late marks for the same period. This inconsistency suggests a potential error in reporting by Experian that needs to be rectified.
Product: Vehicle loan or lease

I bought the car on XX/XX/XXXX, I was told that I would have a warranty on my vehicle and would be able to get it serviced at the facility. As soon as I left the lot, the indicator lamp came on and I called the facility, only to be told to email the person who emailed me the car. I emailed him on XX/XX/XXXX and XX/XX/XXXX of XXXX and was told to contact XXXX XXXX, sales manager, who did not return any calls or voicemails I left for him. I called in XX/XX/XXXX to have my car serviced and was told I needed to go to another facility due to them having no availability. I believe I was shunned or barred from the facility due to the XXXX XXXX XXXX XXXX being sold to me as defective. I had an appointment on XX/XX/XXXX that was cancelled via telephone for unknown reasons. For months, I called and emaileXXXX XXXX XXXX  XXXX, Captial One, XXXX XXXX and have been either denied, ignored, or ridiculed. I emailed the XXXX XXXX XXXX regarding my claim and did not receive a response. Then, I proceeded to call and when I did not receive a response, I put in a claim to the XXXX XXXX XXXX on XX/XX/XXXX, due to the car failing to start and told due to my mileage I do not qualify. Since then, I have attempted to get Captial One or XXXX XXXX to repossess the vehicle since I stopped making payments on it. I lost my job due to not being able to travel because of my car breaking down on me and I still have the burden of the defective vehicle I was sold.
Product: Mortgage

This whole problem started when I had XXXX XXXX. My job was with them I paid them and when I least imagined I was with BANK OF AMERICA I was in arrangements with them when it appeared that it was no longer BANK OF AMERICA had  changed to XXXX XXXX XXXX 
I communicated with them and they sent me to XXXX. They have made fun of me all these years, they send me letters that I qualify for a modification, they ask me for documents, I send them to them and they spend months and I call and call and they tell me that it is in process. After several months they send me letters saying that the bank does not want to participate. I call them again to send some payment while they fix the problem and they tell me that they can not receive any payment until the modification is made.I have hired lawyers and lost a lot of money and do not want to participate. Then they come back and send me another letter that I now qualify and so I've filled hundreds of applications and it's always the same. So they keep playing with my feelings all the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has illegally reported a total count of four late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Debt collection

A debt collector from Portfolio Recovery at phone number XXXX XXXX XXXX XXXX called me on XX/XX/2015. The collector asked for me by name and I said yeah eventually. She then informed me that a had a debt for XXXX XXXX Back in the amount of {$500.00} dollars. I then asked her if she was going to verify if I was the correct person by Social Security number or Birthday and address and she just kept confirming my name. I then asked her if she was suppose to give me the mini Miranda by law since she just told me everything without verifying and she did not say it. I asked her if she was required to verify and give the mini Miranda and she ignored my question and kept confirming my name. I asked her to transfer me to a manager. The manager got on the phone and I informed him of what just happened. I asked him the same questions and he told me nothing but who I called and if I wanted to resolve the debt. I then asked him if he was a third party agency and he ignored my question. The manager did not verify or give me the mini Miranda. I then asked to speak to his manager. She came on the line and identified me by name she then immediately gave me the mini Miranda and I said. " so you do have to say it! '' I then told her about her other XXXX reps and she responded that they do not have to verify because they bought the debt from XXXX XXXX. Which still makes them third party. I am filing a complaint in reference to this call. I feel that if anyone would 've answered the phone and said they were me they would 've disclosed all of my information to a third party. I do not feel comfortable having my personal information in the office of Portfolio Recovery simply because of this call and the negligence of the procedures they have in place. This agency is in violation of the FDCPA.