23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Name : Mariner Finance Type : Individual / Applicant Account : XXXX Collection Term : 48 Months Installment, Secured Date Opened : XX/XX/XXXX In XX/XX/XXXX at the beginning of the COVID-19 pandemic, I applied for a personal loan which was denied, but I was offered an opportunity to refinance my vehicle for extra money. However, unaware of this banks predatory lending practices, I was not informed that my new loan would not include GAP insurance until AFTER I had completed the loan process and signed the paperwork. Nevertheless, for the first 5 months from XX/XX/XXXX brought XX/XX/XXXX my payments went smoothly. 

Unfortunately, in XX/XX/XXXX, I contracted XXXX and suffered from long term symptoms which prohibited me from working and ultimately led to late payments from XX/XX/XXXX through XX/XX/XXXX when I applied for bankruptcy. From XX/XX/XXXX through XX/XX/XXXX, I attempted, unsuccessfully, to contact the bank in reference to a forbearance or deferral or any type of payment relief due to COVID-19 under the CARES Act. 

I am requesting that Mariner Finance do not report late payments to the credit bureaus in accordance with the requirements of the CARES ACT.
Product: Debt collection

I do not recall receiving any info telling me that this bill was in collections. I happened to look into my credit report and saw that this has been reporting for several years. Since it was a low amount, I called the company and simply paid the bill. Even though I was not aware from which it came. After paying this, I contacted the company with no avail. It is still reporting negatively. Please look into this matter and contact me in the upcoming weeks as I am attempting to work on my credit score. Thank you and I am looking forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information on my credit report with TransUnion twice under file number : XXXX, regarding an Adverse Account item reported to my credit report : XXXX - XXXX XXXX XXXX XXXX # XXXX This item shows me as owing {$540.00}, delinquency of 30 days plus, and that the Account type is open. 

I have provided documentation to TransUnion, which shows a check was deposited for {$540.00} by XXXX XXXX XXXX XXXX to their account number : XXXX. The check was paid by my credit union via my checking account. Check number : XXXX, dated X/XX/2017. 

Additionally, I disputed the fact that I was late in paying this debt. I provided documentation to TransUnion that showed a Security Deposit Statement was sent to an incorrect forwarding address. That letter was never received by me via regular mail. 

Instead, I only received this letter via email on X/XX/2017, from the apartment manager, After weeks of trying to get information regarding the status of my deposit from XXXX XXXX, which is XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX. 

I provided TransUnion documentation of emails which proved the date I received the Security Deposit Statement via email on X/XX/2017 from XXXX, the Apartment Manager of XXXX XXXX. 


Below you will see copies of these documents.
Product: Credit reporting

EQUIFAX COMPLAINT : Complaint regarding dispute sent to Equifax regarding inaccurate status reporting on XXXX XXXX XXXX XXXX real estate account. 

1 ) Failure to review documented evidence to support the dispute claim which proved the account was never late during the disputed time period. 
2 ) Failure to respond to second dispute letter. 
3 ) Failure to record that the account was in dispute on the credit report within 30 days. 

Two Dispute letters were sent certified return receipt received XXXX XXXX, XXXX and XXXX XXXX, XXXX. 
The following documentation was provided with the dispute indicating XXXX incorrect 30 day late payment status marks on my credit report : Copies of the XXXX Canceled Checks ( see the schedule of due date and canceled checks below ) Copy of driver 's license for identity purposes. 

Equifax reported 30 days late from XXXX XXXX Payment Due Date Date Check Posted Check # Amount Due Check Amount Paid XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$670.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$660.00} {$660.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$680.00} {$690.00} XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX {$690.00} {$700.00} Total : XXXX {$9600.00} {$9700.00} Response : The response I received from the first dispute letter Equifax was that the status was " verified '' by the creditor and would remain on my credit report. A response was never received to date from the second dispute letter received XXXX XXXX, XXXX. Furthermore, a statement was never added on my credit report that the account was in dispute. Violation of FCRA 623 ( a ) ( c ) Impact : Inability to FHA streamline refinance for 13 months- cost in excess interest paid ( {$9100.00} ) Denial of Credit due to inaccurate delinquency reported. 

Resolution Requested : Equifax reported 30 days late from XXXX XXXX changed to a status of OK. 

Support Documentation Uploaded : XXXX Canceled Checks as listed above as proof the account was never late Dispute letters sent certified return receipt Time stamped copies of Equifax Credit Report Equifax Response to Letter # 1.
Product: Debt collection

Portfolio Recovery Associates are inaccurately reporting the allege amount of XXXX to the credit reporting agency. Portfolio is report the allege amount to credit reporting agency as XXXX aslo Portfolio recovery is reporting a second allege amount of XXXX to the credit reporting agency as XXXX this is a violation of inaccurate reporting.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Accounts : XXXX XXXX XXXX # : XXXX date opened XX/XX/XXXX bal. {$7200.00}, general rev Account XXXX XXXXXXXX date opened XX/XX/XXXX bal. {$1000.00}, XXXX XXXX XXXXXXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX XXXX {$150.00}, XXXX XXXX XXXX  Account # XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

LVNV FUNDING WITH ACCOUNT # XXXX. And a balance of {$2000.00}. 
LVNV FUNDING is violating the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a. LVNV FUNDING is using there policies to answer my request, company policies are not LAW. 

LVNV FUNDING uses my information without my consent report inaccurate information to the credit bureau. The company erred and failed, and denied and ignored my request for a contract to prove that I give own them for any loan. 

I have the right as a consumer under the Fair Credit Reporting Act to request a copy of a contract with XXXX XXXX and LVNV FUNDING to proof that I owed them for any loan.
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam I am writing to formally notify the Federal Trade Commission ( FTC ) of a significant data breach that occurred at Equifax, XXXX of the major consumer credit reporting agencies. This breach has compromised the personal information of approximately XXXX XXXX individuals, making it XXXX of the largest data breaches in history.
Product: Credit reporting or other personal consumer reports

Tonight, I discovered unauthorized inquiries on my credit report, and Im at a loss as to why theyre there. I routinely check my report, but this time, there were unexpected discrepancies. I even tried refreshing the page, thinking it might be a glitch, but the unauthorized inquiries remained. I urgently request that the documents Ive submitted be reviewed in detail so I can finally have peace of mind.
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 USC 1681. XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the repor by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The dates listed under Last Activity do not match on my XXXX Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report. 
2. How did you verify this account when the collection agency stated they had no information on me? 
XXXX Account Number : XXXX Delete this! 

For XXXX 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report For TRANSUNION 1. How did you verify this account when the collection agency stated they had no information on me? 
XXXX XXXX Account Number : XXXX Delete this! 
2. How is it possible that this collection/charged-off account still carry a balance when it should be XXXX balanced? 
XXXX Account Number : XXXX Please reinvestigate and delete this inaccuracy from my report. 
3. The dates listed under Last Activity do not match on my XXXX   Transunion and XXXX bureau reports. How was this account validated? Why is there a discrepancy on the dates when this is from one and the same creditor? This inaccuracy does not make me feel like you verified this account before on my credit. 
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate and inconsistent information from my credit report.
Product: Debt collection

I received a notice from Blitt & Gaines about the collection of {$5800.00} on account ending in XXXX in XX/XX/year>. I sent out a verification of debt request on XX/XX/year> requesting the name and address of original credfitor, the amount of the debt, verication the debt is mine, a complete payment history, and proof that they are licensed to collect debts in my state of residence. 

I RECEIVED NO RESPONSE FROM BLITT AND GAINS P.C. IN THE PAST 30 DAYS. 

What I did received was a letter from XXXX XXXX  dated XX/XX/year> stating the following : Please be advised that we have reviewed your request, as well as the available account information. Unfortunately, we have been unable to determine the exact nature of your dispute. 

I was not provided the information I requested in my original request. Upon calling the the phone number listed as XXXX XXXX  ( XXXX ), I am directed to a third party company that now handles the account and claims it does not have the ability to connect me to the original creditor and/or provide me with any kind of contact information to further the dispute ; creating me to be isolated from being able to directly communicate/dispute on this manner entirely. I have been directed by the third party company ( XXXX XXXX ) which spoke with XXXX at XXXX on XX/XX/year> ) and STILL HAVE NOT been contacted by Blitt and Gaines , P.C . in over 30 days since request ( nor have I received the information requested by them as well ). You can see where I timestamped my call with XXXX on the letter scanned; included you will see a phone number for XXXX XXXX  of XXXX and again where I verified the phone number they had on file was to XXXX  XXXX as XXXX  no longer handles the account ( as explained to me by XXXX/Phone rep ). 

I still have not received : Verification debt is mine, such as a copy of the original contract or agreement I signed. 
A complete payment history, as requested starting from the original creditor to present. 

Ultimately, while the requested information was not provided, nor responded to by the credit collections agency : the inability to contact synchrony bank has further complicated the efforts to address this matter directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX on XX/XX/XXXX regarding incorrect reporting by American Collections Enterprises for an outstanding debt of {$260.00} dating back to XX/XX/XXXX. This is the result of an outstanding medical bill from XXXX XXXX. I provided support stating there was an outstanding balance of {$190.00} which was paid directly to the company. A copy of the invoice, check and bank statement showing the check cleared was provided however on On XX/XX/XXXX, XXXX stated their investigation verified the debt. I called the original debtor and they stated they had received payment for the original debt. Therefore this should be removed from my credit report. 

I never heard nor received any information from American Collections Enterprises and XXXX XXXX should have notified them that they received payment.
Product: Credit reporting or other personal consumer reports

i am requesting my copy of the 1099-c from each company so i can file it on my taxes as income, since it was charge off. Income can not be reported on my credit report which is inaccurate information. 

XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX navy federal credit union XXXX XXXX navy federal credit union request that these accounts be deleted from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Vehicle Loan and Personal Loan with USAA Savings Bank in XX/XX/XXXX. I went thru a divorce and left XXXX in XX/XX/XXXX. There were several months i missed payments on these loans. I paid the vehicle loan balance of {$17000.00} and personal loan balance of {$2800.00}, before USAA got it to collections. 

They put on my credit report both loans were charged off and never paid. I submitted a complaint to the XXXX XXXX XXXX, complaint # XXXX and they got USAA to remove statement they were never paid. 

USAA continues to put on credit report both loans were charged off, when in fact they were paid in full and they did not charge off any losses. 

USAA auto loan is account # XXXX USAA personal loan account # XXXX ( last 4 numbers not shown on credit report ) USAA was paid in full sometime in XX/XX/XXXX-XX/XX/XXXX, can not recall exact date.
Product: Checking or savings account

DIRECT DEPOSIT for XX/XX/XXXXXXXX XXXX did not arrive for me to pay my bills this month due to XXXX error with routing number according to XXXX customer service agent during discussion today, XX/XX/2022. 

Correct routing is XXXX XXXX payment was reversed from XXXX due to routing number problems. Notification today XXXX XXXX XXXX 

Identity was stolen or duplicated in XX/XX/2022 requiring an initial fraud alert to all 3 credit bureaus caused by XXXX lack of security with credit card ending XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1000.00}.
Product: Credit card or prepaid card

CitiaBank is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with CitiBank nor was I aware that an account was ever opened in my name. CitiBank is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with Citibank. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. The last four of my SSN are XXXX. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA.
Product: Student loan

In XXXX I consolidated my Federal student loans because I was hired into the XXXX XXXX XXXX and they provide a XXXX XXXX loan forgiveness program. I expressly consolidated so that I could have the loan forgiven in 10 years and said as much to the service when consolidating. They did not inform me that for the loan to be forgiven you have to be in an income based repayment plan and they instead set me up with a minimum payment plan so that I would only get a payment credit every 2 or 3 payment instead of every month. I 've given up on the XXXX XXXX loan forgiveness program after 7 years of federal service as it would n't be worth increasing my payments and for the next 6-8 years it would take to get the 120 credits it requires to be forgiven.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

I recently submitted an identity theft report to Experian regarding inaccurate information that was reported on my credit profile. I enclosed my Driver 's license and social to identify who I was. A week later, I received an email stating that they needed more information and to submit documentation that I HAVE ALREADY SUBMITTED. Can someone assist me with this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.
Product: Debt collection

XX/XX/2019 {$800.00}. I have reached out to the company several times. This account has caused me financial ruin.
Product: Credit card or prepaid card

I have a loan with Wf Bank Na. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and Wf Bank Na with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.