23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

{$2000.00} is the amount Pinnacle Recovery ( XXXX ) is claiming which include the XXXX maintenance fees of {$710.00} which as not due until XX/XX/XXXX. I was told by both XXXX XXXX XXXX XXXX and Pinnacle Recovery that {$1800.00} was turned over to Pinnacle Collections in XX/XX/XXXX. Pinnacle Collections then tacked on {$200.00} bring the total collection to {$2000.00}. This amount of {$2000.00} includes XXXX XXXX maintenance charge of {$710.00}. Additionally, they are tacking on hefty fees for XXXX maintenance fees of {$680.00}. I have proof that the XXXX money for {$680.00} was purchased and they received by certified mail on XX/XX/XXXX. We went back and forth and mistruths was told i.e. we applied it elsewhere but they couldn't tell me where or we just don't have it. XXXX XXXX at XXXX XXXX XXXX XX/XX/XXXX ) on a recorded call who initially told me that they did not have the {$680.00} then recanted and stated it went toward other fees but will send me a breakdown and my balance is {$990.00} XXXX difference of {$300.00} XXXX. I had spoken by phone, chat or email and about XX/XX/XXXX XXXX XXXX, XXXX Owner Svcs acknowledged I only owe {$300.00} to Pinnacle Recovery AND she did not indicate I owe XXXX vacations. I can only surmise that they had the payment but what happened to it I don't know BUT it appear that she, others, want to collect for Pinnacle Recovery. My XXXX Account was unlocked in XX/XX/XXXX and I was allowed to pay XXXX maintenance only after I agreed to drop my attorney representation. Fast forward to XX/XX/XXXX when I tried to pay {$710.00} maintenance fees in a timely on XX/XX/XXXX. That was the first time I was told the account was turned over to Pinnacle Recovery. I also had the XXXX tracked the {$680.00} to see who cashed it but no XXXX who I sent it to had not nor anyone else. I just received the replacement money order on XX/XX/XXXX and I have the {$710.00} to pay but I should not be paying for collection fees or finance charges on a payment I sent in XXXX. Year XXXX maintenance fees have been paid and I want to pay XXXX maintenance fees without penalty. Pinnacle Recovery recovery states they do not have to talk to me and XXXX Vacations won't talk to me. I have requested XXXX to resolve and they refuse. The mortgage is not and never had been a problem. I got behind on maintenance fees began catching them up in XX/XX/XXXX and thought resolved in XXXX BUT I feel they are trying to intimidate senior citizens to letting go their time share particularly this one since I got it soo cheap and it's almost paid. I don't think it's a coincidence that oftentimes when I speak with XXXX or Pinnacle Recovery that I get a timeshare resale call. See complaint XXXX. XXXX XXXX and Pinnacle Recovery are working lockstep together. Pinnacle Recovery ( XXXX XXXX ) swears that she do not get my emails after several verifications requesting an account.
Product: Credit reporting or other personal consumer reports

When checking my credit report this morning, I was alarmed to see an unauthorized inquiry appear out of nowhere. I have no idea why this is happening, and I even tried refreshing my browser to see if it was a technical issue, but the inquiry remained. This is incredibly frustrating, and I insist that my documents be reviewed carefully so I can put this nightmare behind me.
Product: Consumer Loan

My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.
Product: Credit reporting or other personal consumer reports

Experian is reporting XX/XX/2018 as XXXX  days late for the MONTH of XX/XX/2018. How can you be 90 days late in XX/XX/2018 ( a 30 day period ). This is inaccurate, misleading credit reporting. If, There is evidence ( proof ) that I l was ever late for 90 days please provide the bank statements ( documents ) or UPDATE the payment as PAID OK for XX/XX/2018. 
Additionally, Experian is reporting my WORST DELIQUENCY as XXXX ( no date range ) days late, again, please provide documentation that I was ever 150 days late or UPDATE to paid OK.
Product: Debt collection

I felted in hard time during the XXXX I tried to explain to navy federal but I put up a security deposit for credit and navy federal kept the deposit and use to clear the credit debt but I over draft with navy federal which is illegal to charge I call them about it but the real sitution is 15usc 1692c ( c ) this law should be obeyed by navy federal - if a consumer notified a debt collector in writeing that the consumer refuses to pay a debt or that consumer wish the debt collector to cease further communication with the consumer the debt collector shall not communicate further with the consumer with respect to such debt except/ also navy federal charged off this debt so where the 1099 form that should have been mailed for this debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I conduct a investigation with LexisNexis concerning the bankruptcy account they report to XXXX XXXX XXXX and after the investigation lexis nexis said that they remove them from their database I received a letter on XXXX XXXX state that they remove them from their database after their investigation. 

I reccevied a letter dated XXXX XXXX the did a investigation and verfied the bankruptcy were accurate and i need to reach out to the court. I been reached out to the court and do to the privacy act of 1974 the courts cant verify anything. 
Also i was part of the class action lawsuit were lexisnexis and reporting worng data. 

I also have attached the letters to the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello My Name Is XXXX XXXX. 
I would like to remove any fraud alerts on transunion,   XXXX  or XXXXXXXX I have tried calling up each company directly and the computers that answers these phone calls go around in circles. 

No fraud alert is needed on my account so if any company has my name as a fraud alert I would like it removed. I am trying to apply for things and It is saying I have a fraud alert. Hopefully with this being said this can be resolved. If any questions or concerns to verify I am really me please feel free to call me or e-mail me on information you have as my contact.
Product: Debt collection

CREDIT ACCEPTANCE CORP is reporting a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely inaccurate they are in violation of my rights. 

XXXX and XXXX are reporting a monthly payment of {$300.00} and XXXX is reporting {$0.00}. XXXX is reporting the date opened as XX/XX/XXXX and XXXX and XXXX are reporting XX/XX/XXXX.. XXXX is reporting date last active as XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. XXXX and XXXX are reporting the date of last payment as XX/XX/XXXX but yet XXXX is reporting XX/XX/XXXX. Last reported date is being reported as XX/XX/XXXX, by XXXX as XX/XX/XXXX, and XX/XX/XXXX by XXXX.
Product: Debt collection

On XXXX XXXX, 2016 I received a collection notice from Credit Protection Association L.P. stating that I owed to XXXX a " Service Balance '' and " Equipment '' fee totaling {$280.00}. The notice further stated : " Due to my your lack of response to our previous communication, your account will be reported to the credit bureaus after XXXX/XXXX/16. '' This is the FIRST such communication I have received ; there were no " previous communications ''. Furthermore, I have been making regular automatic payments to Wave and have the documents showing that I am up to date in paying for the services and for the equipment. When I contacted XXXX to inform them of the situation I was told that they would " investigate '' the issue. I also contacted Credit Protection Ass'n L.P. and spoke to " XXXX '' who assured me that the collection activities would be put " on hold '' pending a response from XXXX. I have heard nothing from any of these parties since then. I am XXXX XXXX XXXX, in poor health, and caring for my wife who is currently recovering from a XXXX ; I do not need this aggravation. Please look inbto this for me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies involved is XXXX XXXX and Transunion. I recently request my credit report from free XXXX XXXX and it's a lot of aliases on my report, old addresses, phone numbers, old employment and inquiries that i never even made. The credit bureaus are reporting information that's not associated to my account. For instance, there's an address that's on my account that's 7 hours from my home address. All of these incorrect items are stopping me from getting a home, car, etc. I would like for the incorrect items on my report to go to it's rightful owner. The credit bureaus are using public record to look up my name and end up attaching someone else file to my credit report. Please investigate the negligence of the credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

You sent me a letter stating that the accounts were verified and accurate, but you said nothing on how the account was verified.You sent me no documents or information that your company relied on to verify the account below. These accounts below have multiple inaccuracies and inconsistencies in the reporting between all 3 credit bureaus. I have pointed them out once again. They needto be reinvestigated and Deleted from my credit report. 

XXXX ( Original Creditor : XXXX XXXX ) This account is a result of identity theft. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXX XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXDisclose all bank transactions and statements that correspond with these creditors claim that my payments were late. If these documents are not provided, these late payments must be removed/updated to paid as agreed. 
XXXXPayment History shows six, 120 day late payments consecutive. Which it is not possible for me to be 120 days late for 7 months in a row. This is not accurate reporting. Action : please remove all from this account and update the account as paid as agreed or Delete. 
XXXX XXXXDate of Last Activity shows different on each bureau which is no possible way to have last activity on three different days for the same account. TransUnion shows XX/XX/2015, XXXX shows XX/XX/2015 and XXXX shows XX/XX/2015. XXXX : Please Delete Immediately. 

It is your duty, mandated by law, to reinvestigate any dispute sent by consumers. Noneof the furnishers ever provided any proof to methat the accounts listed above was reported 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested full validation of the debt And the original contract with companies listed below I haven't received any validation XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

Never received notice to dispute. Resurgent / LVNV Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Product: Credit reporting or other personal consumer reports

This was paid and settled in XX/XX/year>, I spoke with a representative on the phone along with my real estate agent to ensure this would be paid and deleted off my credit report. They assured me that it would and sent me an email stating this. The debt has been paid for over a year and yet it still remains only on my Experian credit report. Please have them remove this, I am trying to purchase a home, this is rendering my availability.
Product: Credit card or prepaid card

I initiated a balance transfer on XX/XX/2019. I transferred {$1200.00} from my XXXX card to Capital One to bring down the Capital One balance. The money left XXXX and posted to my account on XX/XX/XXXX. The balance is still not posted to Capital One. I reached out to both companies several times, and Capital One said it was posted to an account that does not exist on XX/XX/XXXX. They got the correct number from XXXX while they were on the line with me. They have said this would be resolved in three to five business days. It has still not been resolved.
Product: Checking or savings account

In XXXX of 2022, I went to Wells Fargo on XXXX XXXX in XXXX, GA ( Zip Code : XXXX ) to make a transaction and the manager, XXXX XXXX, refused to give me a receipt. On another occasion within the same month ( XX/XX/2022 ) I went back to this same Wells Fargo to withdraw {$1400.00} all in {$100.00} bills. She told me that she does not work at this bank and proceeded to walk away from me while I was talking to her. 

I reported this to the district manager, XXXX XXXX, and she did nothing about the situation. She in fact defended XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b XXXX is in Violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding several inaccurate accounts that continue to appear on my credit report. Despite my earlier disputes, these accounts have not been corrected or removed and are unjustly affecting my creditworthiness. 

Despite submitting this comprehensive information, I have not seen any corrective action taken. These accounts continue to appear on my credit report, reflecting inaccurately and unfairly damaging my credit score. 

Furthermore, it has come to my attention that despite my dispute, your bureau has failed to conduct a reasonable investigation into the matter, which is a clear violation of the FCRA. The FCRA mandates that credit bureaus must conduct a reasonable investigation into disputed items on a credit report. The lack of investigation not only violates my rights under the FCRA but also undermines the integrity of the credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$910.00} XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$320.00} XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX bankruptcy XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX  Card Services : Account # XXXX 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 report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, obtained a personal loan from XXXX XXXX XXXX services in XX/XX/XXXX in the amount of {$10000.00} to cover wedding cost and expenses. Per the contract/agreement The monthly installments amounts of {$430.00}, with a maturity date of of XX/XX/XXXX. 

My final two payments were made in XX/XX/XXXX. A payment in the amount of XX/XX/XXXX a payment in the amount of {$1000.00} was paid to the account. Another payment in the amount of {$900.00} on XX/XX/XXXX was also paid leaving a balance, per XXXX XXXX XX/XX/XXXX account statement, of {$8.00}. 

Recently I received an alert to my credit profile that XXXX XXXX is reporting me as delinquent. I feel that this action has caused me credit denials, decreased my fico score, and overall credit score preventing my likelihood of purchasing a home in the next two months.

Furthermore, XXXX XXXX, has violated the Fair Credit Reporting Act. More specifically the following : Section 611 - Procedure in Case of Disputed Accuracy : This section outlines the rights of consumers to dispute inaccurate information in their credit reports and the responsibilities of CRAs to investigate disputes. It requires CRAs to conduct a reasonable investigation, notify the furnisher of the information, and correct or delete any inaccurate or unverifiable information. 

Section 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies : This section places specific duties on those who furnish information to CRAs. Furnishers are required to provide accurate information and to investigate disputes regarding the accuracy of information they have provided. It also mandates that furnishers update and correct information that is found to be inaccurate.
Product: Credit reporting or other personal consumer reports

It is critical that I remind you of the recent enforcement actions taken by the Consumer Financial Protection Bureau ( CFPB ). On XX/XX/year>, the CFPB fined Equifax {$15.00} XXXX for its failure to properly investigate and resolve consumer disputes. Similarly, on XX/XX/year>, the CFPB sued XXXX for sham investigations of credit report disputes, alleging that the company failed to conduct proper investigations and routinely disregarded evidence provided by consumers. Your failure to address my dispute regarding inaccurate of the bankruptcy as i have not even file and date and information regarding it is inaccurate and XXXX XXXX inquiry is not compliance with the FCRA reflects the same unlawful behavior for which Equifax and XXXX are now facing legal and regulatory consequences. If you continue to mishandle my dispute, you will face additional complaints with the CFPB, state attorney generals offices, and other relevant authorities. I am also prepared to initiate legal action if necessary. You did not provided the method of verification. Equifax has neither corrected nor removed disputed public record or inquiry despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to removed or amend the dispute public record and inquiry as XXXX inaction violate federal law and my rights a a consumer
Product: Credit reporting or other personal consumer reports

Starting on XXXX, I started to ask how they verified that the debt of XXXX XXXX XXXX XXXX is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from Equifax that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. Equifax has fail to supply me with anything bearing my signature to verify the debt of XXXX XXXX XXXX XXXX is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.