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

XXXX XXXX and Experian i have contacted them by mail and phone for my right as a consumer for them to report the following company that is reporting on my credit. 

the following account an date is listed below - XXXX XXXX XXXX -opened XX/XX/2019 amount XXXX 15 USC1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX  and any thrid party financial institution and the Consumer reporting agencies XXXX XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " XXXX  XXXX  and credit reporting agency Neverinformed me of my right to exercise my nondisclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which Is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting
Product: Student loan

Got an educational loan during my time at XXXXXXXX XXXX I was an XXXX XXXX  and therefore could only get the private loans. XXXX during Covid and the requirement was them payments commence after graduation but there was Covid and I did not have a job yet at that time. There was also a national pause on Student Loan repayment which was supposed to cover me for the period. Immediately after I got a job I started paying off my loan but XXXX and ECSI reported to the credit agency that I had missed payments during this time when it was not the case. I even tried to pay off the missed payments but they still kept saying that it cant be removed from account. All credit bureaus keep reporting this period of missed payments and it keeps getting worse and impacting my credit despite my attempts to have this resolved. Any time I reach out to either XXXXXXXX XXXX or the lender one tells me to reach out to the other so I cant even get in touch with someone to ensure this is resolved. The longer it drags, the worse it is on my report despite m paying faithfully every month. This is the only recourse I now have to get this resolved because none of them want to help me. XXXX even disabled my student email which I had used to communicate to both of them yet as an alumni I should still be able to access it. This is in turn getting very frustrating.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX LVNV FUNDING LLC XXXX, SC XXXX XXXX # XXXX Subject : Request for Debt Validation Pursuant to FDCPA & FCRA To Whom It May Concern, I am writing to formally request validation of the debt you claim I owe, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently noticed this account on my credit report and have not received proper verification that I am liable for this debt. I request the following information : 1. The name and address of the original creditor.

2. A detailed account statement showing how the balance was calculated.

3. A copy of the signed agreement or contract that proves I agreed to this debt.

4. Any documentation showing that you are authorized to collect this debt.

5. Proof that this debt is within the statute of limitations for collection.

Until you provide proper validation of this debt, I request that you cease all collection activities, including reporting this account to the credit bureaus. If you continue to report this debt without verification, it may be a violation of federal law, and I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office.

Please provide the requested validation within 30 days of receiving this letter. Failure to comply may result in legal action. Additionally, if you are unable to validate the debt, I request that you remove this account from my credit report immediately. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

Collections Item : Fair Collections and Outsourcing. 
After speaking with this company several times about this account. They provided information that is not accurate and someone had used relative information to open this account. The phone number or DOB do not match. The dates do not match. This company stated that this needs to be paid without verifying any information with me. 
This account is not mine., They stated if I made a payment they would not update the balance or remove from my report. This is against the FCRA act. They have the incorrect license number incorrect address and invalid supporting evidence. I cooperated with this company in resolution but they are not willing to assist at all. 

After speaking with XXXX XXXX XXXX he stated they would sue me and my credit would be damaged no matter what. He said even if I pay they would not update the balance or remove this from my credit. 

After speaking with another Manager XXXX XXXX, she stated that I need to settle this account and file a dispute with the credit bureaus. 


Spoke to XXXX XXXX - XXXX at XXXX Spoke to XXXX XXXX - XXXX at XXXX After the submitting company having no phone number to contact, I have contacted XXXX Several times to have this issue rectified. 

I have contacted the Managing XXXX XXXX XXXX at XXXX several times with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sallie Mae This account with Sallie Mae has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and Sallie is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do
Product: Credit card

Wells Fargo- in retaliatory misconduct designed to punish and intimidate me for reporting fraud on my credit card against a merchant Wells Fargo wants to continue to do business with - threatened to make me pay back a merchant over {$900.00} in legitimate refunds for me ever daring to file a fraud complaint do to an unauthorized charge presumably made by a rogue employee at that merchant without any authorization. Wells Fargo. XXXX to stop engaging in this illegal misconduct.
Product: Mortgage

we have had XXXX XXXX as our lender on our first and second mortgage for over 20 years about 2 years ago they sold both our first and second mortgage to a company called Statebridge Co. in Colorado we made our payments on time and then the first week of XXXX we got a letter that the said the mortgage had matured and that we had untill- XXXX XXXX to pay {$320000.00} in full or they will foreclose on our property we have tried refi with them but they wont listen at all any help would be nice also they had both our mortgages but about a month ago the sold our XXXX mortgage to XXXX servicing about 3 weeks ago. We need some help they are totally uncooperative
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX  XXXX  that I have 2 hard inquiries from XXXX  and 3 from XXXX  1 was from Syncb/XXXX  XX/XX/XXXX ( I spoke to them and theyre sending me a letter to confirm it was fraud ) and the other is from Syncb XXXX XXXX XXXX XXXX XX/XX/XXXX when I asked Syncb/XXXX about it they told me theyre not the same bank and to contact that company but I cant find a customer service phone number and on XXXX  same ones and a new one that I cant get customer service on the phone is from Syncb/XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I paid off the credit card for XXXX XXXX XXXX. Account ending in XXXX. During the dispute, on 3 occasions, I attached the last monthly statement, showing a zero balance on the account. Yet, each time I submitted a dispute, the investigation came back saying everything was accurate. It is not!!
Product: Credit reporting or other personal consumer reports

After having disputed incorrect late payments on my XXXX XXXX XXXX account with Experian And TransUnion multiple times with no resolve, I disputed again with full documentation on my end as well as a request for proof of all late payments. Experian continues to respond to my disputes without providing information and proof I have requested and having not corrected clearly inaccurate payment status, I have statements to show payments were made on time.
Product: Mortgage

I mailed XXXX payment via XXXX Mail and it was delivered XX/XX/23 w/ tracking. Rushmore Loan Management Services denies receiving it but an investigation by the USPS confirmed it was delivered and picked up by Rushmore 's 3rd party private contractor. They claim no responsibility and their " investigations '' find nothing. I've asked if they have video or other evidence showing it wasn't with their daily mail. 
I can not cancel the USPS money orders 60 days after purchase, which was XX/XX/23. I can then cancel each money order for {$25.00} and buy new money orders and resend it Priority Mail, but they have sent a NOTICE OF DEFAULT AND INTENT TO ACCELERATE, despite the evidence I've presented them. 
I mailed XXXX payment as usual and it was received on time. I am about to send XXXX payment and have enough to cover the missing XXXX payment as well, but they are demanding late fees and other fees as well. 
USPS told me just now that XXXX of the missing {$1000.00} money orders from XXXX was cashed on the same day that my XXXX payment was cashed. 
Furthermore, Rushmore, or their 3rd party contractor has repeatedly issued me erroneous late fees. Several times they have issued late fees when I had USPS priority mail tracking numbers showing on time delivery. They have argued and resisted reversing these charges and have stated charges were removed without do so. Additionally, before I started buying tracking Rushmore gave me several late fees when I mailed a week or 10 days before due date. Every time, the payment would be recorded as exactly one day late. What a coincidence.

USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Ive been a chime customer for few years now. My direct deposit is missing. I get paid every other Thursday. XX/XX/2023 is my pay day. I havent received my direct deposit. I reach out to chime on XX/XX/2023 and they inform me they havent received it yet when they do theyll post it. My direct deposit is never late. So I reached out to my employer XXXXXXXX XXXX XXXXXXXX XXXX confirmed they set their payroll out that Tuesday XX/XX/2023 and there wasnt a delay. They also provided me with the federal reserve tracing number so I can track it. I called chimed back to provide chime with the tracing number to locate my direct deposit and they said they have no way in tracking it. So I called my employer back. My employer found chimes processor which is XXXX. XXXX confirmed that they received my direct deposit XX/XX/2023 and sent it over to chime. That Friday what I talk to a supervisor he confirmed he sees my direct deposit it say payment pending but its not released. I should get my direct deposit that day Friday XX/XX/2023 which I didnt. I called chime back today XX/XX/2023 and they claim they still do t have my direct deposit. They dont try to look up my direct deposit with the ACH number I provided them with. I have 2 different entities saying confirming that it was sent to chime and also proof from the ACH number. Chime is holding my direct deposit, and keep giving me the run around. My employer talked to XXXX as well. Chime also emailed me saying we notice something changing with my direct deposit, which I did not change anything. Chime is messing with my direct deposit.
Product: Debt collection

This debt was already paid off, I reached out to the company multiple times and can not reach anyone. Account # 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 Items ( A ). It is not permissible to fail to validate these reporting Items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was a Wells Fargo customer for a long time, and they are still having me pay them back on a debt but they were cheating and overcharging us on fees and so forth. I don ; t know how they did it but they are being sued for that, and this is one reason why my acount got up to such as high balance. They also charged me ridiculous overdraft fees on my checking account if i ovedrue by mere pennies I would end up owning hundreds of dollarsf from the cascading charges when I was really broke. I didn't know they were such cheaters to everyone I thought it was my fault for not being able to manage my money but they took advantage, i realize that now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card for XXXX the other day and I was denied. I thought that we.s kinda strange so I checked my credit report. After carefully reviewing my credit report I noticed a couple of items on my report the.tare not mine and need to be deleted from my credit report. I have reached out to the FTC and my local police. I also doing this on my own behalf. XXXX, XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX. XXXX, Chapter XXXX Bankruptcy. Inquiries : XXXX, XXXX   XXXX
Product: Mortgage

Requested a loan payoff for my loan and I was told it would be a 7 business day turn time and then it would be mailed? I need my payoff right away and why they can not provide my loan payoff via fax or email in the year 2020 is ridiculous, they are just holding my loan XXXX and this is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Experian dated XX/XX/19, regarding 4 items reporting on my credit file. They received this on XX/XX/19 according to tracking confirmation. 

This letter, attached below, stated that I wanted documentation that they had on file as of XX/XX/19, that was used to verify the accuracy of these accounts since I am reporting them as inaccurate. I stated under the FCRA 15 USC 1681, I have the right to demand that they disclose these documents to me. I specially asked that they not respond with a letter stating they have been verified, but to send me documentation as mentioned above. 

I stated that if they were unable to provide me with docs to verify accuracy of these account, to delete them immediately, as required under section 611 ( a ) ( 5 ) ( A ) ( i ). 

I received a letter from Experian on XX/XX/19, with results, showing that all of the accounts will remain and/or have been updated, however, I received NO DOCUMENTATION as I requested to verify the accuracy of any of these accounts. 

I listed 4 accounts in this dispute and only received information back about 2 of the accounts. I have attached a copy of the letter I sent to Experian, and the letter they sent to me, received on XX/XX/19. 

Thank you
Product: Debt collection

XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws. 

I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars. 

My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later. 

About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint. 

My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged. 

The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector. 

My credit score, which was formerly " very good, '' was also impacted XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of negative accounts from my credit report due to my status as a victim of fraud. I have recently filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter. 

As a result of fraudulent activities, my credit report contains accounts that do not belong to me. These accounts are negatively impacting my credit score and overall financial well-being. I have taken the necessary steps to report the fraud, including filing a complaint with the FTC, which I can provide upon request. 

PLEASE DELETE THIS ACCOUNT 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 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 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 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 XXXXXX/XX/XXXX Under the Fair Credit Reporting Act, I believe I have the right to have these erroneous accounts investigated and removed. I kindly ask that you review my case and take the appropriate actions to delete these negative entries from my credit report. 

Please confirm receipt of this letter and let me know what steps will be taken to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Equifax several weeks ago, advising me to enroll in their " Boost '' program, which, according to the email, would raise my credit score. I completed the information requested, and my credit score DROPPED 47 points immediately. I have contacted Equifax, and was told they are unable to tell me why this happened. All they wanted to do was to sell me a copy of my credit report. There is NO reason my score should have dropped. It went from XXXX to XXXX in a matter of minutes, with zero explanation. Can you help me find out what is going on? 
Thank You.
Product: Vehicle loan or lease

XX/XX/2020 doing Covid relief.. credit acceptance who I purchase my vehicle through. They had a XXXX relief program to where your car got under the program due to XXXX XXXX it was said to stop making payments on vehicle, no interest will be added or nothing or late payments will be reported to credit bureau XXXX XXXX on credit. Instead they have been reporting everything and late payments with high interest rates to my credit knowing the vehicle was in XXXX program and now its on my credit XXXX years straight late payments and interest rates and now looking like I never paid them a dime towards vehicle. And still got vehicle making payments but credit messed up and they will not remove it or fix anything saying they apologize it has to stay like that.
Product: Debt collection

Portfolio recovery has called me 4 times in 2 minutes. This is while I was at work in the XXXX XXXX. I find it as being harassment.
Product: Credit reporting or other personal consumer reports

I am XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX was recently removed from my credit report. It than reappears but states that last payment was missed XXXX of XXXX which is not valid. Per my credit history and there company last payment from me was received XXXX during the repossession. I spoke to a customer service rep at the company who stated she would get this item removed from my credit report. However it has not been removed and it has shown open and than closed more than 3 times. I have tried to work with the credit reporting people and sent 3 request to have this removed since the account is from XXXX. However I have been unsuccessful in this process as well. It has caused my credit to fluctuate up and down and I was denied a loan due to this incorrect information on my report. Both my credit report and the company show that my last payment was in XXXX but they are reporting this to the credit bureaus more recent. If the information were to be actually accurate I would owe nothing and the company would actually owe me money per my investigation. 
Can someone please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Its more more than 30 days into the investigational and I still haven't gotten a response regarding debt validation. I sent a debt verification letter to lvnv funding for 2 accounts for XXXX and XXXX dollars. I sent disputes letter to lvnv and the 3 bureas over 30 days ago and still haven't gotten a response.