23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I never received any notices from Elevate Recoveries. I only became aware of this fraudulently attempt to collect the amount of {$660.00} after it appeared negatively on credit report. The collection notice states the original debt is from XXXX XXXX  XXXX, which has been closed for almost a year. I called Elevate Recoveries and the several weeks ago and was emailed the statement, that I will later upload in this compliant later. Elevate Recoveries has placed this collection on my credit report and has caused my credit score to drop down more than XXXX points. 
I have been in communication with XXXX, my insurance provider at the time, and was giving the following information. 
On XX/XX/XXXX, Claim # XXXX, services provided was for {$1400.00}, {$660.00} Contracted amount was for {$250.00} XXXX paid {$83.00} and my co-pay was for {$170.00}, which I paid. 
Please not that on XX/XX/XXXX, Claim # XXXX, services was for the amount {$660.00} and was from XXXX XXXX XXXX  OF XXXX XXXX, and not ( XXXX XXXX XXXX ). 
Contracted amount was for {$81.00}, XXXX paid {$81.00}, leaving my co-pay at {$0.00}. 

I would like to have this collection removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported me as making a late payment to the credit bureau, when I asked them to pull the call where I was assured from the rep that she will update my account with my new bank information I felt assured that this would be done on their end. I am now told that this was never done and can not be done on their end they can only take the payment. I had expressed to the representative at that time that I was calling because I was not able to login to my account and she reiterated more than once that she will get it done for me. This was on XX/XX/XXXX, so my XX/XX/XXXX payment should of processed through my XXXX XXXX account-it did not due to the bank account not being updated as promised. My payment returned account closed-I had more than enough funds in my account!! I provided my bank statements proving this as well. When I called and talked to XXXX ( agent id XXXX ) in escalations I asked her why no one ever called, no correspondence received, nor did any of the representatives I spoke with ever tell me that my payments were hitting a closed account. Her answer was they do n't have to tell me I should be watching my account. I thought XXXX was a reputable company that had integrity, but apparently not. They kept taking my payment-so they charged me late fees & return payment fees. I could tell that I was not going to get any empathy from this rep from the beginning of the call, she talked over me and when I asked for another representative or her manager she told me she will have them call me back. I had to ask her what the name of the person who will be calling and she said she does not know. I asked her what time the call would be made-SHE THEN told me 7-10 business days. Mind you she is in escalation and I have tried to call them on my break to ask them to review my documents showing that I had more than enough funds in the account at that point in time, also the fact that they called me to tell me my payment was due, but failed to mention the issue so I was never aware. I HAVE ASKED THEM NUMEROUS TIMES TO PULL THE CORRECT CALL-to no avail. Now I have a late payment mark ( the only one I have on my all my reports ) due to XXXX being unethical and allowing their representatives to withhold information from their customers for financial gain in fees. I also show that I am on auto pay on my profile, but according to XXXX in customer service I am not. I feel like this is another ploy to get more money for fees. We have provided proof that our average balance was and still is $ XXXX  so why would we not want to pay and use a closed account that would generate fees?
Product: Credit reporting, credit repair services, or other personal consumer reports

Country place mortgage has been reporting my mortgage payments as being 30, 60, 90, 120 days past due. This is incorrect, I have not missed a payment in years. Ive contacted Country Place Mortgage multiple times regarding this and have been told I would be given a call back to solve this issue and no return call has been received. I have then filed a dispute to the credit bureau XXXX XXXX and XXXX  and neither of them have fixed the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, I am filing a formal complaint against Experian for their ongoing failure to investigate and correct inaccuracies on my credit report, despite multiple disputes spanning over 90 days. Experian has violated several provisions of the Fair Credit Reporting Act ( FCRA ) by failing to act within the legally required timeframe and by suppressing my credit score after disputes.

Violations & Issues : 1. Failure to Investigate Within the Legal Timeframe My disputes, including issues with XXXX  XXXX XXXX, have been pending for over 90 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires resolution within 30 days ( or 45 days in some cases ).

2. Failure to Provide Verification or Delete Unverifiable Information Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if Experian can not verify the accuracy of the disputed information, it must be deleted immediatelywhich has not happened.

3. Unlawful Suppression of My Credit Score My credit score has been removed entirely following my disputes, which unfairly affects my financial opportunities. This violates 15 U.S.C. 1681e ( b ), which requires Experian to maintain complete and accurate consumer credit records.

4. Experians Ongoing Pattern of Consumer Harm Experian is currently facing lawsuits for mishandling consumer credit information, and my case further proves their non-compliance with FCRA regulations. 

Urgent Action Requested 15 Days Since Experian has already exceeded the 30-day legal limit, I demand immediate action through Rapid Rescoring ( RAP ) under the FCRA and applicable industry standards to ensure my report is corrected without further delay. Specifically : 1. Experian must immediately remove all unverifiable and inaccurate items, including the XXXX  XXXX XXXX account. 


2. Experian must restore my credit score and correct any negative impact caused by their wrongful reporting.

3. Experian must provide written confirmation of these corrections within 15 days. 

Next Steps if Experian Fails to Comply If Experian does not comply within 15 days, I will escalate this complaint to the Internal Attorney General and pursue legal action under the FCRA, seeking statutory damages of up to {$1000.00} per violation, plus actual damages and legal fees ( 15 U.S.C. 1681n and 1681o ). 

I expect an urgent response and resolution to this matter. Please confirm receipt of this complaint and provide updates on the CFPBs actions. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$1400.00} XX/XX/ 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

My payment is due on the XXXX and I made my payment over the weekend as scheduled. Then I got an alert on my credit report that my payment was late. I was not 30 days late because I made my payment before the XXXX, I just think because of the weekend, that it did n't post on time.
Product: Credit reporting or other personal consumer reports

15 US CODE 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION. THIS HAS ALREADY CAUSED ME GREAT DISTRESS AND DEFIMATION OF CHARACTER FOR ME AND MY FAMILY.
Product: Mortgage

I was approved for 5 months through the state for XXXX XXXX. I would get many harassing calls obviously but yet not one of the reps would ever read the notes and added stress to an already tough situation. Finally XX/XX/23 they received a wire. Many calls no one has called me back now. They don't know how to apply funds yet to the penny for XX/XX/23 statement was sent and they don't know how to apply it. The state has also said they are being very difficult. It's unbelievable how easy and now they are dragging their feet and holding on to state funds when it's very clear how to apply not to add the state has already told them. Now that I need their calls, silence.
Product: Credit reporting or other personal consumer reports

Global lending services needs to delete this information off my credit report as it's not correct information as a proper dispute will prove. The state and federal laws have clearly stated that if you cant register. The car was bought was bought and sold and states it only has had XXXX owners. They have clearly violated state and federal laws and needs to contact the dealership as I have as my concerns continue to go unanswered. I don't owe Global Lending any money.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED ZERO, ZILCH, NADA. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found XXXX updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this.

Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : Global Lending
Product: Credit reporting or other personal consumer reports

I have an issue with Citizens Bank regarding a reported late payment for XX/XX/XXXX. Ive always paid my bills on time and have had autopay set up for 73 consecutive months. Two months prior to XX/XX/XXXX, I made a large payment of over {$1000.00} to reduce my balance. However, Citizens Bank reported me as 30 days late in XX/XX/XXXX, even though I never received any notice saying my autopay was turned off, and I had no idea it was no longer active. They never sent me any reminders or notices, either by email or mail, despite me having autopay set up since XXXX. As a result of this late payment report, my credit score dropped by XXXX points. Then, in XX/XX/XXXX, they inaccurately reported me as late again, which was not true because I was on autopay. Causing another point drop and denial of credit. After disputing both XXXX and XXXX, they fixed XXXX but refused to correct XXXX. As a result, my business credit card limits were reduced. I continued disputing the XX/XX/XXXX late payment, explaining my good payment history, but Citizens Bank denied my challenge. I focused on what I could control and continued contacting them. They never sent out any information. Now, in XX/XX/XXXX, theyve reported the same XX/XX/XXXX late payment as late again, causing another XXXX point drop in my credit score. This has negatively affected my ability to apply for loans for my business and caused difficulties with possibly jeopardizing my business and how I can pay my employees all due to a {$73.00} payment in XXXX being reported several times by this company. Not one bill reminder or email sent until XX/XX/XXXX after their investigation. They have grossly mishandled my account, caused great hardship and refused to allow me to speak to any supervisor on the 6 times Ive called between XXXX XXXX XXXX. I need help and I dont know what else to do after this except file a lawsuit which causes even more money.
Product: Credit reporting, credit repair services, or other personal consumer reports

am a natural person, I am a living human being, I have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 


Accounts 1. 
XXXX XXXXXXXX XXXX  CREDITOR : XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # XXXX XXXX. 
XXXX XXXX XXXXXXXX # XXXX XXXX. 
XXXX XXXX XXXX # XXXX XXXX. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Negative reports without written consent XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was scammed the scammers deposited a fraudulent check in my account. I called USAA and reported the fraud. She told me the check originated in XXXX. They put my accounts in credit only status. The check cleared my account the same time my paycheck was deposited and my entire paycheck was taken. Then my entire veterans XXXX check. The fraudulent check caused my account to be in the negative USAA came back and said it was not fraud and held me responsible for the fraudulent check and any money that was taken. The accounts stood in negative balance and in credits only status for a month before they released it and any extra funds they were holding. This has caused me great financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I filed for Chapter XXXX  Bankruptcy. In regards to this particular account, XXXX XXXX XXXX XXXX, we filed a Chapter XXXX  Individual Debtor 's Statement of Intention on XX/XX/XXXX. We stated that the property would be retained in the bankruptcy and the debt was to be reaffirmed. We claimed the property as exempt. We had never been late or delinquent on this account. Neither us nor our lawyer received any documents from XXXX XXXX   after this submission. In XX/XX/XXXX we visited out mortgage broker to start the process of qualifying for another home loan, as we are ready to purchase another home and sell this current home we are in. It was discovered on our credit reports that XXXX XXXX reported to the major credit bureaus that our mortgage account had been " Included in or Discharged through bankruptcy ''. XXXX XXXXXXXX  quit reporting on this account in XX/XX/XXXX In each phone call to XXXX XXXX  we have been told different information. In one call the customer service representative told us that they do not send out reaffirmation letters. In another one told us they sent us one, that the letter would have gone to our attorney 's office. When I asked for proof that this had been sent they told me they only send them regular mail via the US Post Office and could not provide that information. Which I found odd since any letter that they ever sent us was also available online to view. I then contacted my attorney 's office who filed bankruptcy for us. Their office told me that EVERY reaffirmation letter they receive from ANY creditor is sent either XXXX  or XXXX  or USPS with delivery confirmation/signature required so proof of delivery is available. I have filed multiple disputes with XXXX and Equifax with no changes made. I have sent them all the supporting documents including proof of all payments made, Statement of Intent, a letter from our attorney 's office, and proof that we are current on our payment to XXXX XXXX. How can this account be being reported as closed when we are clearly making payments to them? Today, XX/XX/XXXX, I was told by XXXX   that the documentation I provided was not enough for them to make any changes. When I asked what was needed the agent told me they don't have a specific list of what documentation would change the status because XXXX XXXX is their client and they have to go off of what they are reporting. I feel the last 2 months of trying to dispute this have been a waste. What good are these credit reporting bureaus if they work for the companies that are reporting to them? Where is the consumer protection in this when there are disputes. This error on XXXX XXXX part is severely impacting our ability to get another mortgage. OnXX/XX/XXXX I submitted all the same documentation to XXXX XXXX and was suppose to have an answer from them by now about how to resolve this incorrect reporting/not reporting to the credit bureaus. I am including all documentation sent to XXXX XXXX and the credit bureaus as well as documentation of all payments made to XXXX XXXX.
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 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 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, credit repair services, or other personal consumer reports

Nissan - Ifiniti LT # XXXX is reporting a balance that should not be there. I returned this car back in XX/XX/2016 and I should not have any missed payments or a balance after that. I have no legal obligation to pay this and there should not be a balance.
Product: Debt collection

I have recently being subjected to multiple abusive and disturbing phone calls and texts from different collection agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX and Credence Resource Management LLC with phone number XXXX, regarding an old XXXX XXXX XXXX account that I have close since ending of XXXX. They are requesting a debt payment that seems fraudulent because I withdrew my name from my spouses account to move to XXXX and I didnt use an XXXX account that is worth paying a bill of XXXX XXXX As Ive fully returned the phone I have initially taken from them and successfully closed all accounts. 

I am a credit worthy user and have never been behind in my usage of credit and a current report has dented my credit progress.
Product: Credit card

Costco has changed credit card providers, from XXXX XXXX to XXXX XXXX I do not wish to have a credit card from XXXX. I contacted Costco and informed them of this and was told they could do nothing. My only 'choices ' were to cancel the XXXX XXXX account prior to XXXX XXXX 2016 ( with a concurrent 'hit ' on my credit rating ), wait till XXXX XXXX 2016 and cancel the City card ( with a concurrent 'hit ' on my credit rating ) or resign from Costco, thus spending more money than normal for the items I purchase. First, I am not a 'chattel ' that can be bought and sold on a business basis. The attitude of Costco and XXXX may differ on this. Second, I can only be burdened with debt by my choice - not that of a business. Third, I will suffer a loss of creditworthiness if I take the XXXX cancellation options presented to me. I feel that I have the right to say " NO '' to the new card without any credit rating penalty. Respectfully request that you prevent the transfer of any accounts from occurring without the account holders permission. 

While not an XXXX XXXX service member, I am a XXXX service member
Product: Mortgage

For 51/2 years I have been embroiled with Wells Fargo Bank to keep my home. I resorted to hiring a law firm which turned out to be ineffective and questionable. The NPV which Wells Fargo completed was full of errors including the value of my home, I challenged the value with comps and a Realtor opp onion which was completely ignored by Wells Fargo. I was provided with mortgage assistance which exceeded my current mortgage payment, I paid it as long as I could all the while trying to receive a lower payment. Wells Fargo failed to disclose how they were not able to create a affordable payment. Wells Fargo also stated I reached the allowable amount of loan modifications? How? when the only mortgage assistance I received was hire than the current payment, it appears to me that Wells Fargo has been XXXX on taking my home through foreclosure. Prior to the foreclosure of my home I applied through the rentry department at Wells and complied with all of their request to save my home, however, no one at Wells Fargo responded to me and the foreclosure went ahead.
Product: Money transfer, virtual currency, or money service

XX/XX/year> Around XXXX XXXX XXXX stolen I got into my cash app and sent {$57.00} to someone I'm not sure who it is. 
And they also went into my boyfriend 's cash app which also uses my phone and sent his last {$20.00} It proved that I wasn't even in possession of my phone when this happened in Cash App refuses to look into this and refund the money or get it from the person that it was sent to