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

I am resting a re-investigation of the XXXX  XXXX   XXXX  Collection account in the amount of {$570.00} by XXXX- Equifax and XXXX This account does not belong to me and should be removed and deleted- XXXX  has failed to provide a copy of any signature of a contract.The debtor XXXX  XXXX  XXXX is different from XXXX XXXX   XXXX  has listed. XXXX has failed to provide copies of any copies of balance total was calculated to the amount of {$570.00} XXXX XXXX XXXX  has never mailed me a collection according to the Fair Debt Collections act It is my belief that XXXX XXXX is in violation Fair Debt Collections P 807. False or misleading representations 2 ( a ) ( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt ; ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false,
Product: Mortgage

I have a Mortgage account with United Wholesale Mortgages and have escrow services on the loan. The vendor has placed Lender placed home insurance since XXXX on the property in spite of providing all required paperwork to them and the primary reason is a issue on their backend where they have suddenly made the property a single family home instead of townhouse which it actually is. I have called over 4 times and have even talked to their resolution department and while they have confirmed they have everything they need and have internally sent escalation letters as the backend entry was being corrected they have missed their own SLAs on getting this corrected. This is causing the mortgage payment to increase as the lender placed insurance is eating into the escrow. Since the issue is well over now close to 2 months want to get it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to resolve this issues with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) XXXX XXXX - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.
Product: Student loan

I would like to obtain documentation showing the transfer of my AES note, transfer letter and chain of custody of my loan, etc. 

AES states they are not obliged to possess the chain of custody documents which transferred the ownership from the original owner.
Product: Student loan

I have tried on multiple occasions to setup repayment options for my student loans with Navient. They have never once done anything to help me resolve this debt. When I attempted to make payments in the past my payments were rejected, but once I submitted a higher payment they were accepted. I 'm a single mother on a fixed income, Navient has failed to help me this destroying my credit. They have failed to consolidate my loans, defer any of my loans or do anything to resolve the issue other then send collection letters in the mail for extreme amounts of money I can not afford to pay.
Product: Credit reporting or other personal consumer reports

I DO NOT RECOGNIZE THESE ACCOUNTS and they are reporting on my credit. 
-XXXX  {$790.00} -XXXX XXXX  {$640.00} XXXX XXXX {$370.00} XXXX XXXX SERVICES {$120.00}. This is a XXXX account, and it is reporting as open. XXXX accounts should report as closed. 

XXXX XXXX XXXX {$420.00} this is a XXXX account, and it is reporting as open. XXXX accounts should report as closed. 

-Hard inquiry XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX -XXXX XXXX is XXXX XXXX late payment on XX/XX/XXXX and I am protected under the SCRA as I am an XXXX XXXX XXXX. I made them aware that I could not make the payment on time as I am stationed in XXXX XXXX and we were on lock down and didn't have access to phones or internet.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 On XX/XX/2018, I was in a car dealership buying a new car and I had to called Equifax to request that they do a temporary release of my credit report freeze. 

Please note my complaint is not directed toward the agents that I spoke to at Equifax, my complaint is against the companys management and the ridiculous questions asked to have my credit freeze release. 

The first agent that I spoke to wanted to know the name of my credit card and the balance on my credit cards from ( 5 ) years ago. I asked if they could give me the name of the credit card company, so I could give them the status of that account, which in all cases where paid in full, they would not provide that information. 

I tried to explain to the agent that it was impossible for me to answer that question, especially since I was in a car dealership without the benefit of my credit report in hand. 

Also, the thing that really got me upset was that from the very beginning of our conversation the agent must have been in an open office with other agents and the background noise was so loud that I constantly had to ask the agent to repeat the questions. I know that most large companies use out of the Country agents to provide customer service in the United States. 
Together with the agents accent and the background noise it was extremely difficult to carry on a conversation. I hung up and called a second time. 

My experience with the second agent was the same as with the first agent. However, this time the second agent asked me if I could tell her the name and balance of my credit cards from ( 20 ) years ago. I told her that was impossible. Then I asked to speak with a supervisor. 

I explained to the supervisor my experience with the two agents, and she told me the same thing, I needed to know the name of my credit cards and balances from ( 5 ) and ( 20 ) years ago. Once again, I told her I did not know, so she said I had to mail a letter requesting that my credit freeze be removed. I attempted to reason with her, while sitting in the car dealers show room, but she could not help. 

Consequently, I had to delay the purchase of my new car until I returned home and was able to remove the temporary freeze by going on line to Equifax. 

I understand how important it is to protect our credit information, but my experience with Equifax was not helpful and suggest that the Management of Equifax develop a better way of asking consumers personal credit information that is current and not ( 5 ) and ( 20 ) years old.
Product: Credit reporting or other personal consumer reports

After reviewing my Early Warning report I noticed negative reporting on several different banks I'm not familiar with. I sent a dispute letter to Early Warnings for validation of the negative accounts being reported. In response they sent a letter indicating the accounts were accurate and complete and verified. However, I did not receive any of the documents, I requested to verify and validate the debt and or negative accounts belong to me. 

XXXX Account # : XXXX, XXXX, XXXX According to the FCRA laws : 2. Right to Dispute Inaccuracies Section 611 : Consumers have the right to dispute any inaccurate or incomplete information on their consumer report. Reporting agencies must investigate disputes, usually within 30 days.

3. Notification of Dispute Results Section 611 ( a ) ( 6 ) : Once a dispute is resolved, the consumer reporting agency must provide the consumer with a written response detailing the results of the investigation and any changes made to the report. 

Early Warning violated by consumer rights according to the laws listed above by not providing written response detailing the response of the investigation and providing documents used to validate the debt. Please find attached all disputes sent to EWS and their response.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple over draft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issues aligns with the cfpb findings against the navy federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account.
Product: Credit reporting

I did not authorize a hard inquiry on my account by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Observed on my credit report from Trans Union that the company XXXX XXXX XXXX XXXX is constantly doing unauthorized inquiries into my credit worthiness each month. Called XXXX out of XXXX TX on XX/XX/2019 to ask them to stop abusive inquiries. 

They're phone system reports 1 ) I don not have a loan open with this company 2 ) that they can not find a loan application that I have made with this company. 

When prompted I asked to be placed on hold to speak with a real live person/representative. After 5 minutes the automated system reports that no representatives are available and hangs up on me. 

My guess is that these people got my information off the web and are " considering '' offering me a debt consolidation ( personal ) loan that I have not requested or authorized and do not want. 

My efforts to stop they're inquiries into my credit are prevented intentionally by their phone system. 

This is the mark of a scam or unscrupulous company. 

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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$110.00} XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXXXXXX Owed : {$410.00} XXXX XXXX XXXXXXXX Balance Owed : {$38000.00} XXXXXXXX XXXXBankruptcy XXXX Date Filed/ReportedXXXXXXXX XXXX XXXX XXXX Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX Balance Owed : {$7700.00} XXXX XXXX XXXXXXXXBalance Owed : {$870.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Owed : {$1900.00} XXXX XXXX XXXX XXXX Owed : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} XXXX XXXX XXXX XXXX Owed : XXXX XXXX XXXX XXXX Balance Owed : {$120.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and i have paid off 2 seperate self credit builder loans and now i have a 3rd one that was opened at the same time as the second one that i paid off and its reporting to my credit report as delinquent as 80 days and bringing my credit score down. I called in XXXX to get it corrected and they told me wait 30 days, so i did and now its reported again as delinquent on my account. I called twice toda on XX/XX/2023 to try to resolve the issue and was told that the deliquent account isnt even attatched to my social security number and has a whole differnet social security number, meaning you guys have reported someone elses deliquent account on my credit report and have violated my consumer privacy laws. This will be one of the last times reaching out before i reach out to my attorney again my name is XXXX XXXX, i currently have a secured self credit card open with you guys too the FRAUDULENT acoount you guys reported to the credit agencies XXXX XXXX CAN YOU PLEASE RESOLVE THIS AS SOON AS POSSIBLE? 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I saw on my Experian credit report. An fraudulent inquiry. This inquiry was from XXXX/XXXX. XXXX /XXXX looked at my credit report with out my Permission or knowledge. Experian aloud them to do it. They did not call or block them at all. After I contacted XXXX credit card. They lied about it. I emailed them so I can prove that they did in fact looked at my credit report. I emailed them to find out how they got my information and why they looked at my credit report. In the email it stated they cant fine an account or Application. But there is a fraudulent inquiry from that company on my credit report in inquiries. Then I get an email from them. The email from a PDF says that they could not issue me credit or look at my credit report bc the information could not be verified they are now lying. So they did in fact looked at my credit report! Experian needs to take this inquiry off my report bc its a fraudulent inquiry
Product: Debt collection

I am writing to formally request an investigation into an unresolved issue with LVNV Funding LLC regarding a negative account on my credit report. This account has significantly impacted my credit score, decreasing it by XXXX points, and remains on my profile without proper validation or adherence to credit reporting guidelines.

Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Compliance Standards, all furnishers of credit information are required to ensure accuracy, fairness, and compliance with reporting practices. I have reason to believe LVNV Funding LLC has violated these provisions in the following ways : 1. Failure to Report Accurate Information : According to the FCRA, 623 ( a )
( 1 ), data furnishers are obligated to provide only accurate and complete information. However, I have identified discrepancies in the reported data, which violate this requirement.

2. Lack of Proper Validation of Debt I previously requested validation of this debt under the FDCPA 809 ( b ), yet LVNV Funding LLC failed to provide adequate documentation proving ownership or legitimacy of this debt. Without sufficient evidence, this account should not be reported.

3. Violation of Metro 2 Reporting Guidelines : Metro 2 reporting guidelines require adherence to accurate data furnishing practices, ensuring the completeness, timeliness, and integrity of reported data. LVNV Funding LLCs failure to follow these standards has resulted in an unfair negative impact on my credit profile.

The negative reporting by LVNV Funding LLC is not only unfair but has caused financial harm by limiting my access to credit opportunities. I respectfully request the following actions : 1. Immediate removal of the LVNV Funding LLC account from my credit report with all reporting agencies.

2. A thorough investigation into LVNV Funding LLCs compliance with FCRA and Metro 2 standards.

3. Confirmation of corrective actions taken and resolution of this matter.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX - XXXX, "
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX saying i owe them a debt. please provide a certificate of indebtedness showing i owe XXXX XXXX XXXX a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX. 
Attached is prove i disputed the debt within the proper timeframe and XXXX XXXX XXXX is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
Product: Mortgage

I have been in contact with mr cooper going through a re modification I was notified XXXX via mail my modification was missing 2 documents that were due by XXXX I emailed them the morning of XXXX and got confirmation the modification dept received my documents. Later that night I was notified by a " house flipper '' not mr cooper my house was being auctioned off the next day!! Even after mr cooper acknowledged receiving my documents they attempted to auction my house without any notices sent to me my documents are not even due till XXXXi am a mother of XXXX full time employment and was told to file for remodification by Mr. Cooper 's upper management and in return they try to auction off my house without giving me the chance of my read modification to go through to be excepted or denied and did not notify me of anything in anyway shape or form and told me this morning that even though I am in we modification that they can still auction off my house which is not legal in the state of Michigan my home did not sell in the auction today and with the mis representation of mr cooper and lieng to me I have retained legal counsel today for arbitration all I want is to remodify my mortgage and continue paying on my home like I have the past 7 years
Product: Debt collection

I have a near perfect credit score. I reached out to COMMERCIAL ACCEPTANCE as soon as I saw this hit my credit report. They claim they called me numerous times but I never received a single call from them. I challenged them to show me the phone call they then said they sent letter to an address that I haven't lived in for close to 5 years. 
Furthermore, They are saying that they are collecting this debt for an ambulance company that I already gave my medical insurance card to. 
This ambulance company had all my information as well but they also never reached out to me about anything. Clearly you can see that based on my credit history was over XXXX, I pay all my debts. No one told me of this debt, no one called me, no one reached out to me, No one tried to tell me that I even owed this debt, rather they sent this to the credit report agencies. I am livid over this and I will be sending multiple complaints to every agency. I am more than willing to pay if only I was told!!!!! I I want to see the original invoice and I want the company to contact me. This must be removed for my credit report because they illegally sent it to the credit reporting agencies without ever first contacting me for resolutions. I know my rights and they violated them as a consumer. 

Please contact me and let me know how to proceed with this because I am extremely angry
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several dispute letters in regards to public record information being reported about me on Experian, XXXX an XXXX. I sent out letters on XX/XX/2020 to each company requesting their method of verification in regards to the public records and they have failed to respond to this letter within the allotted time of 15 days. It is now XX/XX/2020 and I have yet to receive a response about my dispute. Please remove this account immediately for failure to adhere to the FCRA and reporting unvalidated information!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. 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 XXXX XXXX XXXX. 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 to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX 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! XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX XXXX XXXX  of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXXXXXX Balance : {$17000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit card

I received a notice last month that Chase closed my credit card account, refused to provide any reason, and stated that this was the final decision
Product: Credit card

I received a card from a bank I don't have an account with and I didn't apply for. Contact the bank and all they said was that they were going to investigate. No action.