23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On Wednesday, XXXX/XXXX/16, I received a call from, XXXX XXXX, a representative of Performant Technologies , Inc . The call was in regards to a past due balance on my student loan. I believe that the representative infringed upon my privacy and confidentiality rights and also violated the FDCPA. Before identifying who I was, she disclosed the amount of my past due balance and attempted to resolve my negative balance. She simply asked for me by name and went into details about my account. After discussing my account in detail, she asked me to verify my address, which I believe was her attempt at verifying my identity ; however, this does not adequately verify that she has the correct party. She also never disclosed that she was a debt collector when she was directly asked if she was. She used deceptive collection practices to coerce me into resolving my overdue balance. This phone call was full of FDCPA violations. I finally agreed to a forbearance and I 'm not sure if she even processed the forbearance for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my lexis nexis credit report. I would like these items immediately deleted. These inaccuracies are highly injurious to my credit rating. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please forward me an updated credit report after you have completed your Investigation and corrections. i have also attached screenshot evidence which highlights all the records that need to be deleted immediately. in addition i have attached my complete lexis nexis credit report which was sent to me. ( SECTION 2 : Address Characteristic Record ; RECORD 1, RECORD 2, RECORD 3, RECORD 5, RECORD 6, RECORD 7, RECORDS 8, RECORD 9, RECORDS 10, RECORDS 11, RECORD 14, RECORD 15, RECORD 16, RECORD 18, RECORD 19, RECORD 21, RECORD 22, RECORD 23, RECORD 24, RECORD 25, RECORD 26, RECORD 27, RECORD 28, RECORD 29, RECORD 30, RECORD 31, RECORD 32, RECORD 33, RECORD 35, )
Product: Credit reporting or other personal consumer reports

THESE LATE PAYMENT REMARKS ARE NOT MINE AND ARE ALL INACCURATE I WANT THESE TO BE FIXED IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/23 LVNV Funding LLC received my request for disclosures that Federal Law states that i suppose to have gotten while I'm a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts 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  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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Subject : Formal Complaint Regarding Failure to Reinvestigate and Remove Late Payment under 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( 4/0 ) Account XXXX  Dear Sir/Madam, I am writing to formally file a complaint against [ Credit Bureau Name : XXXX/Experian/XXXX ] for failing to properly reinvestigate and remove a late payment that has been inaccurately reported on my credit report, in violation of federal law. 
Details of the Issue : Account Name : ** XXXX Account Number : ** XXXX Date of Incorrect Late Payment Reported : ( XXXX 2024 XXXX EXPERIAN Date of Incorrect Late Payment Reported : ( XXXX 2024 ) XXXX Credit Bureaus Involved XXXX ** XXXX, Experian Under the Fair Credit Billing Act ( 15 USC 1666 ( b ) ) and the Fair Credit Reporting Act ( 15 USC XXXX ( a XXXX ( XXXX ) ( XXXX ) ), I am entitled to have any erroneous information removed from my credit report following a proper reinvestigation. I disputed the reported late payment with XXXX and Experian on XX/XX/year>, providing all necessary supporting documentation to prove that the payment was not late. Despite this, the late payment remains on my credit report, negatively impacting my credit score. 
Steps Taken : 1. I submitted a formal dispute to XXXX and Experian on XX/XX/year>, requesting a reinvestigation into the erroneous late payment reporting. 
2. I provided evidence, including bank statements and payment confirmations, showing that the payment was made on time. 
3. I received a response from XXXX and Experian in XXXX 2024, indicating that the late payment would not be removed without a satisfactory explanation or evidence for their decision. 
4. Adjunto una carta que demuestra que el acreedor no me respondi dentro del plazo de XXXX das, en la cual solicito formalmente que se me proporcione una prueba detallada sobre este artculo especfico. '' [ segn 15 USC 1666 ( b ) ] que ha adoptado para garantizar que cada estado de cuenta peridico se me enva por correo a m ( el consumidor ) a ms tardar 21 das antes de la fecha de vencimiento del pago. Incluya tambin toda la informacin requerida por la seccin 1637 ( b ) del Ttulo 15. 
5.Additionally, I want to inform you that no information about this account appears on XXXX, which constitutes a violation of my rights, since the account must be reported uniformly in the three credit bureaus.
Product: Vehicle loan or lease

My deceased husband leased a car I made payments when the lease was up after dealing with XXXX Bmw over 20yrs I decided to buy the car. I left without the car. I sent an email to the manager that I had second thoughts I wanted out. I get to the dealership and the salesman says its to late I said well i was turned down for credit. My credit was highjacked. They didnt care not their problem. I called Bmw headquarters they put in a complaint and told me to try and deal with the dealership. I tried they would not return my phone call, the customer service was nasty with me finance would not call me back. They sold me a car for XXXX that I can only sell for XXXX. I can not be bullied into this car. Then after all these company 's turned me down, then Bmw financed the car they have destroyed my credit even further. 
I can not afford the car but I can not afford to have it repossessed because they will put a lien on me for the balance the car has XXXX, XXXXXXXX XXXX   its a XXXX. I need help thank you XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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.

UNUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about when the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/accounts. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed below : XXXX. Creditor Name : XXXX XXXX XXXX IN XXXX. Creditor Name : XXXX XXXX XXXX Under XXXX XXXX, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness if the information us hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 

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 XXXXXXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$570.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I REQUESTED THE METHOD OF VERIFICATION ON THESE ACCOUNTS WITHIN XXXX  DAYS. THIS DID NOT HAPPEN. I WILL NOW BE SEEKING LEGAL REMEDY UNDER THE FCRA FOR WILLFULL NONCOMPLIANCE AND FALURE TO INVESTIGATE FOR THESE ACCOUNTS LISTED. ( XXXXXXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX  ) ( XXXX XXXX )
Product: Mortgage

In XX/XX/XXXX, I made a call to Loancare to make my mortgage payment. I asked the rep to help me sign up for autodraft, so I could more conveniently make payments. She did so. I told her the XX/XX/XXXX of every month. My mortgage is up to date, and my payments are around 660. So I was pretty shocked to see my bank statement come up as Loancare debiting my account on XX/XX/XXXX for XXXX, which is a lot more than my mortgage payment. Immediately I called them up. They said there was no history of any payment for XXXX. I told them my bank statement said otherwise. I sent the bank statement in to the payment department and received confirmation they received it. I also obtained the ACH transaction details from that draft and sent that in too. Within 48 hours, they emailed to say my issue was resolved. When I called them, they claimed I had actually sent in two separate payments, one for the amount and then extra. I told them I most certainly did not and I dont have the kind of cash to be doing that. The call was dropped, no one called me back. So I called again. This woman told me that the extra money had been applied to the principal, paying me up until XXXX. I told her thats not what I asked for, I wanted my money back, and she said she would forward it over to a supervisor for a call back. I never got one, so I called again. Yet another rep told me my check was in the mail. I thought this whole nightmare was over, and then I got an email saying my running bank statement was not enough proof that the XXXX had cleared my account, only that it had been attempted. So I went to my bank again, and I resent my bank statement, the transaction details, a letter from my bank stating that the payment had cleared the account and affected my balance with a phone number and an invite to call them with questions, as well as a screenshot of transactions showing the payment successfully being debited from my account and a positive balance after. And still I have no refund. Ive asked them never to autodraft my account again, because they claim there was no autodraft yet they went in and took a random amount out of my checking account somehow. Im in fear for what they will take out next month ans whether I will see any of my hard earned money again. I have had to spend at least four hours during work time, postpone important vehicle repairs, and undergo serious stress due to this. Whatever evidence I show this company that I made this substantial payment, they deny it and ask for more evidence.
Product: Credit card or prepaid card

About the first week of XX/XX/2022, I tried to use my amazon store card from Synchrony Bank the card was Declined? Logged in to Synchrony Bank and noticed that my Account With Amazon Store Card was CLOSED? then as I went through the ( 11 ) credit cards with Synchrony Bank had Been Closed? I then called Synchrony Bank was transferred to several agents, which got me no where!! except they said a letter would be sent to me explaining what has happened? then on about the XXXX day of XX/XX/2022, I received ( 11 ) letters from synchrony Bank each letter was for each credit card with synchrony Bank, their reason states the Following : '' After a Review of your account, Synchrony Bank has decided to close your account. The Reason ( s ) for our decision are activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay. 
I have had these accounts for several years, all with low balances, most of which I never carried any balances, nor have I ever been late at all!! All my accounts on my credit reports show over the past 5 years have never been late EVER!! I have tried to reach out with Synchrony Bank to talk to them about these ( 11 ) Letters on these counts but NO ONE WOULD TALK TO ME, THEY JUST HANG UP ON ME!! I don't feel im being treated FAIRLY!! This is why ive reached out here with this Complaint.. Sincerely XXXX XXXX XXXX XXXX
Product: Debt collection

I am one of those who information was leaked though XXXX data breach. There are several things on my credit history that I have no knowledge of. I havent applied for credit in a while. Ive also freeze my accounts and everything to try to fix this situation. 
I never lived in Tennessee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received and alert from Equifax. Logged in to check it notice my credit limit had increased from XXXX XXXX. Did a credit score update it went from XXXX to XXXX for no reason and when I called XXXX he stated that it was because I filed a dispute. I explained to him that disputes don't drop your score. I repeated this with XXXX, XXXX, XXXX, and XXXX who added that a balance with XXXX XXXX  may have caused it. I requested to speak with a manager. No manager would speak.
Product: Debt or credit management

I have conflicting information by The Credit Management Company who filed a complaint with XXXX last year in XXXX without contacting me first. XXXX did a followup with Credit Management Company, whom I know nothing about. The company sent me a letter XX/XX/XXXX requesting payment on an account that I have file previous complaints on in the past. Credit Management sent a letter from another agency XXXX XXXX XXXX, XXXX stating the amount of {$1100.00} due. I receive medical care through a state run facility for XXXX  patients that absorbs the cost. I did not have an income when I received care and I'm on a fixed income now. A new complaint is filed on this account each year. Why are XXXX different agencies requesting payments at the same time. Why did they fail to contact me before filing a delinquency on my credit in XXXX, XXXX? I want this matter resolved permanently. Please see the attached documents. They stated that my itemized balance is XXXX, but there still is a balance whatever that means. I do not have any medical bills showing this cost and the facility has funds in place that pays for XXXX XXXX like me even if the charges exist .Please assist me with a permanent resolution. Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX {$4100.00} Date Opened : XX/XX/XXXX XXXX XXXXBalance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXXBalance XXXX XXXX-Date Opened : XX/XX/XXXX
Product: Debt collection

Not reporting correct date with credit grantor. Should be showing 2014.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on the chapter XXXX bankruptcy that is currently on my credit report. Experian previously processed this dispute and claim to have verified the bankruptcy. Base on the documents that was provided the Bankruptcy should have been remove from my credit report. Please advise this company as to FCRA law in regards to having to investigate all disputes. I challenge the accuracy, compliance and reportability of this listing.
Product: Debt collection

This letter shall serve as notice of my intent to file a lawsuit against your company Source Receivables Management LLC. 

You are in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681, for unlawfully obtaining my XXXX  consumer report on XX/XX/XXXX without my consent or a permissible purpose under the FCRA. 

I am aware that your company is a debt collector listed under 15 U.S.C 1692a ( 6 ) of the Fair Debt Collection Practices Act ( FDCPA ) who regularly collects or attempts to collect debts. Upon reviewing my consumer report, it became evident that the inquiry was made without any legitimate reason. I have not had any transactions with Source Receivables Management LLC, I do not have an account for review or collection nor have I received any collection notices. Your company invaded my right to privacy by accessing my consumer report without my authorization or a valid permissible purpose, thus violating 15 U.S.C 1681b. 

As a result of your employees/agents unlawfully obtaining my consumer report under false pretenses and knowingly without a legitimate permissible purpose you are liable to me for actual and statutory damages up to {$1000.00} pursuant to 15 U.S.C 1681n ( 1 ) ( B ). 

I am willing to settle this matter with full and final settlement of this issue if you adhere to the following demands : ( 1 ) cease and desist from any further unauthorized access to my credit report ( 2 ) cease and desist collection activities and close the collection file ( 3 ) compensate me {$1000.00} payment by check. The check can be delivered by mail to the address listed above within 15 days of receiving this notice. You can also contact me via email if you have any questions regarding settlement. 

Please be advised that if Source Receivables Management LLC fails to comply with my demands within 15 days of receipt of this notice, I will immediately pursue legal action in federal court. I trust that your company Source Receivables Management LLC will take this matter seriously and work to resolve this issue promptly. 

Sincerely, XXXX XXXX Last 4 of social : XXXX Date of Birth : XX/XX/XXXX
Product: Consumer Loan

I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind, finally i started getting back on track, my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them, their offices are closed early evening, i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car, without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees, the repossession fees and retaking fees of XXXX plus the two late payments and the XXXX dollars plus the towing fees witch comes to a total of XXXX in 3 weeka