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

Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from XXXX, Equifax, and XXXX. I have not heard anything back from these 3 bureau 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as 1 hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had 9 hard inquiries.

From my calculation it suppose to be only 4 inquiries not 9. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had it with the bureaus, this is a correspondence that I need to send to XXXX XXXX and TransUnion. Please forward on as this is my final attempt at working things out with them. They continue to violate my rights. 

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & amp ; SECTION 617 This is the final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & amp ; Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. In addition, youve completely ignored the Comprehensive Credit Act of 2020 section 401 which makes mention of the fact that one must have an agreement for which all derogatory remarks are left on ones credit file. There are none for the following. The mere fact that my data was compromised during your data breach is enough for me to sue you alone. Im very unsatisfied and this needs to be resolved. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & amp ; 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following inquiries be verified or deleted immediately. 

XXXX XXXX XXXX XXXXXXXX XXXX - {$290.00} * I've also NEVER made any late payments to XXXX XXXX XXXX, that needs to be reversed as well
Product: Debt collection

I have sent out certified letters asking them to prove that I signed or gave them authorization to access my consumer report. I have not received any response. They called me often. I have asked them to stop. I have asked them to remove their information of my consumer report. Company name is LVNV FUNDING LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 5 separate letters to Transunion XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 asking them to validate this account they are reporting on my credit report that I do not recognize ( XXXX XXXX ). All they keep telling me is it has been verified as accurate but have failed to provide me with any type of proof showing that I'm responsible for this account. I have been keeping very close attention to my credit report ever since I noticed multiple derogatory accounts I have no memory of. Today I received a notification advising me that Transunion is reporting a missed payment from ( XXXX XXXX ) and my score decreased 76 points!. First of all this account has been reporting as a charge off from the creditor, and second I DO NOT recognize this account! As I looked more into this I noticed Transunion is now reporting this account as open when it was reporting as a closed charge off. How are they reporting a missed payment when there is no due date showing??? My credit is everything to me and this is completely uncalled for! I know the laws that protect myself as a consumer against CRA 's. I demand they remove this account they are unable to validate and correct that missed payment off my credit report! I have attached documents highlighting showing missed payment and closed to open status.
Product: Debt collection

I called the company on XX/XX/2021. I told them that the account was not mine and that I was incarcerated for over 20 years. They told me to file a report and dispute it with the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$990.00} XXXX XXXX XXXX XXXX Balance Owed : {$800.00} XXXX XXXX XXXX Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I saw a XXXX charge on my card through online banking for {$630.00} in a city I have never been to. I called PNC and told them about this fraudulent purchase and they stopped my debit card. I got a new card but PNC refuses to refund me despite me filing a police report. I have had to file several disputes with PNC but they still refuse to give me my money back that was outright stolen out of my account. Now I feel like my money isn't safe in a bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 a account without my written instructions. 

In accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX # XXXX is violated my rights XXXX  XXXX  XXXX  # XXXX is violated my rights XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights XXXX XXXX XXXX # XXXX is violated my rights
Product: Credit reporting

On XX/XX/XXXX, I filed a dispute with Equifax for erroneous information being furnished on my credit file by Equifax. I disputed the following erroneous items.. XXXX , XXXX XXXX , XXXX XXXX, and XXXX XXXX XXXX . I called Equifax on XX/XX/XXXX, 31 days after those items were place in dispute to check the status. I was told by a Customer Service Rep and by a Customer Service Supervisor name XXXX that the disputed items came back verified. I was never notified of the decision. I ask XXXX what was the method of verification, he refused to give me that information so I ask to escalate call to CEO XXXX office. I was then transferred to The Office of Consumer Affairs and spoke to XXXX. I asked XXXX what was the method of verification, she replied that we only verify electronically. Electronically is not sufficient verification when it comes to something as critically important and delicate as my credit file. Information that can decide whether are I can have a shelter, food, job etc. If Equifax is going to report anything on me, I should be verified with hard evidence that the information belongs to me. I asked XXXX to send me information that was verified and the method that was used and she refused. She demanded that I contact the creditor because that whose responsible. That is not true. It is the Credit Bureau that is placing this on my bureau without proper verification. Under the FACTA ACT, the credit bureau must provide all information verified, who verified, when verified. I also want to see hard evidence that this information is accurate and belongs to me ( ie ) driver 's license, signature, ss card etc. I am requesting all negative information on my file show that the items were verified before granting credit and what method was used before giving my credit information out and methods used to verify that those items are my items. Failure to furnish this will result in my filing a lawsuit immediately in XXXX County Courts under willful non-compliance under section FCRA 616. Let this complaint also serve as my intent to sue Equifax if these erroneos items are not removed from my credit file immediately. XXXX was advised that my intent to name each board member in a separate suit until this information in corrected. She was rude and hung up on me and I demand that this is escalated to CEO XXXX office.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Vehicle loan or lease

I've been looking at my credit report lately because I am trying to get in position to buy a house. I noticed Ally Financial reporting late payments on my report that is not at all accurate and this information is extremely damaging to my credit worthiness. I was taking a look at my card member agreement and noticed thatI have the right to arbitration in disputes. I am demanding Ally Financial update these late payments asap as they are a violation of my consumer rights under 15 USC 1666b in which a creditor is not to report late payments. Also I do not give Ally Financial permission to report any information to ANY third party that is adverse to me the consumer. Time is of the essence
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX is INTENTIONALLY incorrectly reporting to all 3 bureaus and in an unethical way. 

Facts : The XXXX Leased XXXX Automobile was VOLUNTARILY RETURNED early, in XX/XX/XXXX. 
XXXX XXXX XXXX took until XX/XX/XXXX to CLOSE the account ( they themselves stated on the phone that this was indeed the date they CLOSED the account out. 
XXXX SOLD the auto at Auction and then accessed a charge to me for around {$12000.00}. which I never agreed was a fair cost to return the leased auto early. 
XXXX XXXX XXXX continually changes the closed date of the account to the 3 credit reporting XXXX XXXX XXXX RECENT dates to keep impacting my credit to reflect that I JUST RECENTLY allowed an account to default ( the last time they stated the account was closed is XXXX of XXXX! ) or they change the STAUTS of the account to show that the auto was recently REPOSSESSED! 
The automobile was NEVER repossessed, it was never paid LATE, it was simply returned to XXXX XXXX XXXX in XXXX, Texas by me when I informed them that I could no longer afford to lease the vehicle, in XXXX of XXXX. 
I have called and called and disputed and disputed with XXXX XXXX XXXX via phone and mail. I have also disputed over and over with XXXX, Equifax and XXXX as well. Yet, no one can or will simply report accurately the FACTS and TRUE date the account was LAST PAID ( XX/XX/XXXX ) and the TRUE date the account was CLOSED finally ( XX/XX/XXXX ). 
XXXX XXXX XXXX representative just TODAY told me on the phone that if I will start making payments on the Early lease-break fee they accessed of $ XXXX, that they THEN would possibly correct the dates to reflect accurately. I CAN NOT think that this would be allowed, this is highly unethical collection behavior to purposely report inaccurate dates to try to force a payment 6 years later.
Product: Mortgage

Principal balance as of XXXX/XXXX/15 was {$6600.00} and as of XXXX/XXXX/15 was {$6300.00}. Today my balance is {$5700.00}. Monthly Prin {$320.00} and interest was {$29.00}. My balance is not going down as agreed. I have asked Chase to provide me details on the loan and they stated they do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am I need this account be deleted immediatly in my credit report! 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Mortgage

Problem Company : SPECIALIZED LOAN SERVICING problem : I am paying my monthly loan payment in advance before the date it is due and instead of crediting my loan payment to my loan as a monthly loan payment the company is crediting my payment as a " principal only '' payment and then when the monthly loan payment due date arrives the company is stating that they never received my monthly loan payment. Then, the company is marking me as not paid and is then charging me a " late fee. ''
Product: Mortgage

Since it acquired my mortgage for servicing, Select Portfolio Servicing has continuously and consistently provided mis-information to the point where I am unwilling to speak with them but feel it is a necessity in order for me to work on correcting my delinquent mortgage amount and putting payments back on track I lost my job after an illness and when I applied to the mortgage company, XXXX, I was given no option except short sale and then the mortgage was transferred by XXXX to Select Portfolio Servicing. I've attached the latest letter to them trying to get the appropriate assistance in place for my hardship. I previously filed a CFPB Complaint # XXXX which this should replace as there is more detail and a better flavor of the frustration and unprofessional behavior that is being dished out by SPS.
Product: Debt collection

In a letter dated XX/XX/2019 addressed to LVNV Funding LLC and sent to all three ( 3 ) Credit Bureaus, the following document was attached as Proof of Claim in connection with the following accounts : XXXX, XXXX. 

In the responses from LVNV Funding LLC a summary of the accounts were sent and in the previous complaint to the CFPB ( Case # XXXX ) the document included the account and activities from the previous owner of the accounts but no documentation was included addressing the specific claim of LVNV Funding LLC 's rights to collect this debt. In the letter in response to CFPB, LVNV simply claim that " With the purchase of these accounts LVNV acquired all ownership rights, including the right to collect on these accounts and to report to the consumer reporting agencies ( known as " credit bureaus '' ), IF ELIGIBLE. '' The mere act of purchasing these accounts does not make LVNV ELIGIBLE to collect on these accounts. None of the following conditions have been satisfied : 1. LVNV MUST furnish a copy of any signed agreement debtor has made with debt collector, or other verifiable proof that debtor has a contractual obligation to pay debt collector. 

2. LVNV MUST furnish a copy of the original promissory note/agreement redacting my social security number to prevent identify theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. 

3. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. 

4. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 

5. Verify as a third-party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 

6. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 

7. Verify you know and understand that credit card contracts are a series of continuing offers to contract and as such are non-transferable. 

8. Provide verification from the stated creditor that you are authorized to act for them. 

9. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 Sec. 1341.
Product: Credit reporting or other personal consumer reports

VIOLATION OF Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) XXXX IS IMPROPERLY using my private data to allege debts, and damage me with non-affilated third parties for unpermissible purposes Per : 15 U.S. Code 1681b - Permissible purposes of consumer reports 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 instructions of the consumer to whom it relates.

They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 8
2 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency )
Product: Debt collection

I have health insurance and I discovered a debt in collections through my credit report. I have a collection showing for XXXX in the amount of {$140.00}. This debt is not legitimate. I have requested debt validation and verification which has not been provided to me. I have also never received anything showing where this comes from. I believe it is an error.
Product: Credit reporting or other personal consumer reports

I have asked Experian, XXXX and XXXX XXXX to provide for me the documents with the original signatures and they have not.
Product: Vehicle loan or lease

I bought a used vehicle from XXXX and financed it through Ally bank. Before the first payment was due, I refinaced with my credit union. That was over 90 days ago. Ally has since received a check in the amount of {$5000.00} from XXXX due to me. At this point I owed them nothing, but they are holding MY money for XXXX more days. This is after I spoke to several people who's automatic response was that nothing had been received. Not until I escalated after confirming with XXXX that they had my money that they finally confirmed the check was in their possession. 
So my complaint is that I want my money NOW as my loan was paid off over 90 days and I owe them nothing for them to be holding it. Also, the fact that it took several calls today for them to confirm that they had received the check on XX/XX/year>. It is not their money and there was no transparency.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Were closed by XXXX XXXX XXXX as a duplicate . 
I am reopening this investigation because it is not a duplicate investigation. I ordered a CEASE AND DESIST and that was NOT respected! 
As mentioned I will not pay this and I explained explicitly in numerous correspondence why.
Product: Credit card

Chase has put a negative account on my credit file. It does not belong to me. I have requested them several times to provide me signed documents and they were unable to do it. They provided me some statements that do not belong to me. Since last several months they are harassing me like crazy. Every time I am disputing they are saying dispute was resolved ; debt was verified and they would n't take it off from my credit reports. It is hurting my credit badly. I badly need help to get it removed from all my credit reports and stop this harassment.