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

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet XXXX is reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the suspect reported data fields alleged for this now contested reported items of injury.
Product: Credit reporting or other personal consumer reports

Investigate and make sure everything is correct, if not delete it from my credit report. Violation is misleading FDCPA Section 807. This agency is in violation of 15 USC 1692g. they were to notify my of this in writing 5 days prior and I was not. As the original creditor only I can validate this debt. I do not validate this debt. Inaccurate information is being published on my account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy on my Experian report and have ask that Experian provide me with written document proof of how this was verified/certified. Experian hasn't provided me the information as requested but continue to report on my profile. I would like the document proof that I requested or delete it from my profile.
Product: Credit card

Montgomery wards credit did not clearly disclose that they would have a permanent minimum payment after a credit limit amount is reached and due to this high minimum monthly payment goes toward interest and the principle doesn't seem to be reducing. I haven't purchased anything for almost XXXX years and the principle seems to remain the same and I feel as if I'm being ripped off. I have closed the account and want my payments to reflect a reduction of the principle with my monthly payments particularly since the minimum monthly payment is so high. They just tell me it will be this high until the principle is paid in full. I want to know why more of this high monthly minimum is not paying down the principle when I'm not adding to the principle balance. I have a lot of credit and this is the only credit account that makes me feel like I am being ripped off.
Product: Debt collection

The representative XXXX was extremely rude and Harassing. He also refused to give me information on my account that I requested. I had an outstanding payday loan with XXXX. XXXX was not with XXXX XXXX. He would not give me number to call him back later. He tried to pressure me to pay right then even though I told him I was dealing with something at my childs school, that I would need to call him back. He would not email me or offer to mail me a debt notice even when asked. He retorted how many loans do you have? How much money do you owe? Why wont you pay what you owe? Why are you avoiding this? He Would not differentiate the original loan amount. He would not give me contact information about his company. I hung up and called XXXX. They stated my debt was actually with another company and could not verify that number.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies XXXX and XXXX to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness Documentary evidence is NOT photocopies of alleged billing statements from the original creditor. I request that I receive copies of any and all contracts between me and the original creditor and copies of any and all contracts between myself and LVNV. Additionally I am requesting that the consumer reporting agency provide written verification from me that proves I have given them written permission to report this account on my credit report as Also 12 CFR 1016.7 states that a consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report nonpublic personal information to non-affiliated third parties. The original creditor, LVNV, XXXX and XXXX are all in violation of the Privacy act of 1974 with the disclosure of nonpublic personal information. Any type of transaction history or account reporting is a violation of that act. 15 USC 1681 section 602 ( a ) states that it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. I have not received any written correspondence from the original creditor or LVNV Funding in reference to this alleged collection account. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts presumed by LVNV Funding until LVNV Funding, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding continues its collection efforts, I will file for litigation for actual damages caused by the original creditor, LVNV Funding, XXXX, and XXXX. They shall be liable for violations of TILA, FCRA, FDCPA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. also the statute of limitations on collections for the State of South Carolina is 3yrs as is the statute of limitations on collecting for the State of Delaware where LVNV Funding is incorporated.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian stated to me that they deleted inquirysi mentioned from XXXX and XXXX but still on my credit
Product: Checking or savings account

A fake lenders group made false claims on my bank account and took the credit that the bank gave me, plus my savings and put me into an - {$800.00} overdraft I let the bank know about the issue, and after filing a legitimate claim, they restricted my account. 

Last night, they reversed the claims I brought up and I've been put into an - {$800.00} overdraft. The only way for me to pay for the overdraft is to go to the branch myself, but the nearest branch is in the next state. I can't deposit any funds because of the restrictions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M A VICTIM OF FRAUD AND IM REACHING OUT TO HELP ME IN EXPEDITING THIS MATTER WITH THE CREDITORS AND THE CREDIT BREAUS. HERES THE LIST OF ACCOUNTS ACCOUNTS -XXXX XXXX - {$300.00} XXXX XXXX XXXXXXXX XXXX - {$8600.00} XXXX - {$8600.00} XXXX XXXX - {$1700.00} XXXX XXXX -XXXX XXXX XXXX - {$540.00} -XXXX XXXX {$320.00} -XXXX XXXX XXXX - {$320.00} XXXX XXXX XXXX  XXXX {$210.00} -XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about the failure of TransUnion to properly investigate my recent requests to correct issues on my credit report. Despite submitting both factual disputes and Metro 2 compliance disputes regarding inaccurate reporting, I have only received generic letters from your agency stating that the information has been verified as accurate. This response is inadequate and does not address the specific inaccuracies I have identified.

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

According to 15 USC 1681 ( 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 1 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 ( it ) the information is, in fact, inaccurate.

I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$4200.00} XX/XX/2017
Product: Debt collection

I've received your letter claiming you have validated ( or verified ) the above reference number, but the problem is you didn't provide the documentation that proves I owe you anything. Where is the contract between your company and me? Where is the full accounting because I can't just take your word for it that I owe some company I've never contracted with, some made up number? Where is your license and bond? In fact, from what you sent, I can see that you are trying to collect for something that is outside the statute of limitations for my state ( if that is the case ). 
You also haven't proved you have any right to be on my credit report because I know for a fact I've never contracted with you nor consented to you being able to make any communication on my credit reports. You're violating the FDCPA by continuing collection activity and you're violating the FCRA by furnishing information and verifying invalidated information, disputed information, erroneous information, when no access to my credit reports has ever been granted to you. 
Please remove your debt off of my credit reports until you can provide some proof that I actually owe you. You haven't done that yet and, by law, you are to cease collection activity immediately. I reject your hearsay as being validation or verification. I reject the bills you sent as being validation because they are not. I reject any of your claims of validation or verification because you haven't proved anything. 
Act Immediately.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX XXXX SS XXXX I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
XXXX - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Terms Duration has missing information and XXXX Compliance Condition Code : questionable date please delete error. 
I have unauthorized inqiures with companies that I have never apply for any accounts for business or lines of credit with please delete the following inquires : 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 PLEASE DELETE THE FOLLOWING ADDRESSES XXXX DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX
Product: Credit reporting

An erroneous default judgment was filed against, The courts issued and order that canceled the default judgment on XXXX XXXX, 2016. Experian credit bureau had been reporting this on my credit report. I disputed it in XXXX 2016. I received an result of the investigation despite providing copies of the canceled order and Experian continues to have this on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here is the ACCOUNT that need to be removed from my file : XXXX XXXX XXXX Balance : {$930.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorize inquires reporting on my credit and old inquires that have been affecting my credit.
Product: Credit card or prepaid card

XXXX Card will not allow sign ups from XXXX ( .ca ) e-mail addresses This amounts to discrimination based on country or origin. Changing my XXXX ID is not a reasonable option because so many other things are based on this ID.
Product: Student loan

MOHELA is charging me over 10 times what they told me my monthly payment would be for my student loan under the SAVE plan. Last month they told me in multiple messages my payment was going to be close to XXXX dollars a month. When I finally got my bill at the end of the month, suddenly without warning I am being charged XXXX dollars a month. I have messaged them through their website 5 times and gotten no response. I have called them 4 times and sat on the phone on hold, never getting through to speak to anyone. I can not and will not pay this incorrect amount. And I refuse to be held responsible for their incompetence.
Product: Mortgage

I provided timely proof of insurance for loan number XXXX on XX/XX/XXXX. Despite this XXXX incorrectly opened up an insurance policy ( I had no gap in coverage ), and charged escrow balance of {$7600.00}. Since then they have only issued a partial refund, but there remains an incorrect balance or {$2300.00} which should be {$0.00}. In my last autopay, I was charged {$190.00} escrow payment. This should be refunded and my escrow should be returned to {$0.00}. 

I contacted customer service repeatedly. I sent over XXXX emails with no response. I also made at least XXXX phone calls. I called on XX/XX/XXXX and was told a case was created and it would be resolved within a week. I called again today XX/XX/XXXX and was told another case was created and a XXXX might reach out to me. In total I have spent over XXXX hours on the phone trying to get this resolved and sent XXXX emails without response. This is a very frustrating experience. 

In addition, my monthly payment has been increased resulting in incorrect info getting reported to credit bureaus XXXX XXXX XXXX XXXX XXXX ). 


I hope that by filing this complaint the issue will get resolved in a timely manner.
Product: Credit card

So after I placed a complaint about a {$28.00} complaint about a XXXX charge, they sent me a letter writing me off saying that it took USPS 20 days to deliver the investigative paperwork to their XXXX XXXX XXXX They re-opened the credit and now I have two sets of interedt charges. ( I used this card to do a balance transfer to avoid my 29.99 % interest rate at XXXX XXXX. Now I have two interest charges : {$19.00} and {$8.00}. and something cents from the last statement. My minimum payment also shot up from XXXX XXXX tXXXX XXXX XXXXXXXX. The interest fees arent supposed to start until a year of the card being opened! They total the exact amount of the provisional credit in interest fees. 

I imagine if I was stuck in the hospital getting treatment Id be totally unable to dispute this. I put so much time into this {$30.00}. Minimum wage in my state is {$15.00} which is more than any pharmacy technician usually makes. So id have to work for 3 hours to pay taxes and fees just to cover this transaction. Ive spent countless hours reporting this and working with Union Savings Bank which unfortunately they cant help me with it.
Product: Debt collection

I had a debt around {$1100.00} in XX/XX/2022. I called pay off debt in full. I paid the full fee over two cards. Synchrony Bank stated they did not charge the second card and continues to charge interest after 3 disputes. The payment has ballooned an additional {$1000.00} and continued to charge interest during the dispute process. 

They were harassing me by calling multiple times a day during the early morning and late into the night. I asked them to stop harassing me and they continued to send letters and call. 

This has destroyed my credit by over XXXX points and has not allowed me to refinance my home to save me and my family money. I have spoken to them upwards of XXXX times with no help. 

They have locked my account and I can not even pay online even if I wanted to. They continue to charge interest.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I was looking at my credit score and noticed there was a hard inquiry that I never applied for. XXXX XXXX XXXX  XXXX says I tried to apply with them on XX/XX/2019. I tried to call the company which they had told me I need to speak to equifax in order to get it removed as I did not authorize it or apply for anything with this company. I have provided a picture so you can see this Inquiry.
Product: Mortgage

I was set up to complete a mortgage with Quicken Loans INC. the third party appraiser, turned in an appraisal document with words mispelled, missing or incorrect information, and failed to fill out the certification that the individual was physically present at the property. Quicken Loans failed to contact me to get the matter resolved. I as an individual had to gather documents from XXXX, and local tax office to show the invalid information contained within the report. Quicken Loans failed to contact the consumer to update him of the process, the consumer had to reach out to Quicken Loans multiple times, and finally Quicken Loans in an email admitted that the XXXX party appraisal management company found that the comparable properties turned in by the consumer should have been considered. Quicken Loans after nearly a week and a half has failed to resolve the situation. Quicken Loans stated via telephone that the issue was the consumers fault. Quicken Loans has failed to refund any deposit made by the consumer. Quicken Loans has failed to follow any good faith gestures in their short comings.
Product: Credit card or prepaid card

I ordered a mint, sealed collectible figure for {$120.00} off of XXXX and paid with Paypal. I disputed this amount with Paypal Credit by Synchrony Bank because the item was sent in a flimsy shoebox with no protection. It arrived damaged, and the figure was yellow, sticky, and quite frankly a biohazard and probably not safe to handle. Completely not the same item in the picture that they were selling. I provided pictures for proof. I also messaged the seller and they only offered XXXX Euros for a return and said I must accept it, and then sent another message saying they would refund me the XXXX Euros, and then send a separate XXXX Euros outside over PayPal, which was shady/scammy behavior, and I did not trust them to do so, hense why I asked Paypal for help. Paypal/Paypal Credit refuse to help me at all and expect me to eat the {$120.00}. 

Their buyer protection policy states : " Protection you can count on. If you don't receive the item that you ordered, or it shows up significantly different from its description, you may qualify for Purchase Protection, and we'll reimburse you for the full purchase price plus any original shipping costs, subject to terms and limitations. '' I have went back and forth with them for MONTHS since 2022 trying to get my money back. They are refusing to reimburse me unless 'I ' send the package back, and 'I ' pay international shipping back! ( Over {$30.00} to send back garbage! ) Paypal also keeps denying me because I " didn't return the item ''. I was never even given an option by the seller to return it! They state on their page that they do not accept returns. This is going against Paypal 's buyer protection policy and I am now stuck with a disgusting damaged item that needs to be thrown away unless I fork over shipping costs. Again against their policy.