23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently review my credit report from the three major reporting agencies. I found that there was a charge-off account from XXXX XXXX credit card in the amount of {$2300.00}. I couldn't figure out how I have this account. I gave XXXX XXXX credit department a call. After entering the basic verification information, the center transferred my call to the Citi 's Recovery department. 
I spoke to a recovery representative ( ID # XXXX ) ( department line : XXXX-XXXX-XXXX ). 
During the verification of my social security number and account number. There was an issue. The department have a mismatch social security number on file. Which meant that this debt or account was suppose to be mine. After the verification issue, she transferred me to the " fraud department '' to find out the discrepancies on my account and social. I spoke with XXXX and he couldn't located the account or verify that my information is on file or ever owe anything to XXXX XXXX nor Citi 's. 
XXXX did recommended that I file a complaint with the CFPB to contact XXXX 's credit department and they will verify that I do not owe any debt.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provided the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$130.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$550.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In Accordance ; to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 hereby states 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. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2, States ; that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. All ( any ) consent to XXXX, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) States : that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) States '' Except as authorized under subsection ( b ), infect no consumer reporting agency may also 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I hereby. OPTING OUT of your reporting services.
Product: Vehicle loan or lease

I paid my vehicle off early on XX/XX/2023 {$2400.00} in anticipation of XXXX and being XXXX  for a few weeks, never having a single late payment. 

Over the next 3 weeks, I received a lien release and a Thank You letter stating I paid my vehicle off and my online statement was marked closed. Well into XXXX, I contacted Capital One as I noticed my payment had not posted. 

I was assured by Capital One they had received my payment, and it took awhile to process. Around XX/XX/XXXX while in recovery for XXXX I began receiving collection calls. 

I returned their message inquiring what the issue was and continually stone-walled by foreign phone agents reading scripts. On numerous attempts, the agents were unintelligible and seemed to have no knowledge or ability to inquire what the status of my account was other than read a script about a past due payment. 

I informed them I had made a pay-off and I need to know what the status on that was, they had no knowledge or ability to inquire in to it. My account on the portal remained closed I did not trust the competency or authenticity of these phone agents who called me. 

At great effort and diversion, I was finally able to get my issue escalated to an English-speaking representative. They were unaware of why my payment had not posted, at no time was there insufficient funds. My bank said they declined no requests for funds. I submitted payment using the online portal as I do every month, my digital check l is saved on their site. 

During this conversation on XX/XX/XXXX I issued a payment for a second time, they charged me additional interest for XXXX and are claiming a late payment. 

To date, they have not cured the title and requested a lien release from the previous lender, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing numerous student loan tradelines as being 120 days or more late from 2014. During this time I was unemployed, collecting unemployment from NYS, and my federal loans should have been in deferment. I have disputed these tradelines multiple times, but Equifax has not changed the negative status, despite updating to show those months as paid for XXXX or the XXXX XXXX XXXX XXXX.
Product: Student loan

I previously filed a complaint in XXXX 2015 - Case # XXXX with no relief from the lender, HESSA. I have tried to make more amicable payment arrangements with the lender, however to no avail. They are just not willing to consolidate, reduce a rate or make any type of reasonable payment plans for struggling young people with student debt. They had no trouble overextending credit. Please review the tactics of this entity and help provide with consolidation and better payment arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT I AM NOT AN AUTHORIZED USER ON THIS ACCOUNT {$5200.00} XXXX XXXX XXXX Current Last Updated : XX/XX/XXXX Credit Usage You're currently using XXXX XXXX of your credit limit. 

XXXX XXXX ( Stay below ) XXXX XXXX  Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$5000.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Current Past Due Amount -- Highest Balance {$5600.00} Monthly Payment {$100.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks -- Creditor Name XXXX XXXX XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I purchased a vehicle today. Beofre finalizing, XXXX XXXX wanted to confirm my identity by having me call them from the number listed on my credit report. 

Unfortunately, the number that is listed on my Experian Credit report, XXXX, is INCORRECT. 

I have tried to correct it, but when I attempt to verify via email, I never recieve the confirmation code. 

This is preventing me from finalizing financing for my truck. I am requesting assistance from CFPB to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
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 USC 1681. 

Dept of Ed/XXXX, Dept of Ed/XXXX Dept of Ed/XXXX  has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

- There are several inaccuracies being listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX will not help me any way someone tried to open an account using my name and information
Product: Credit reporting or other personal consumer reports

After reviewing my Equifax credit report, I noticed inconsistencies in the payment history for my loan with XXXX XXXX. This loan was fully paid off in XX/XX/year>. Despite this, my credit report erroneously shows late payments beyond the closure date. Reporting any payment activity after the account was paid off and closed is not only incorrect but also misleading and damaging to my creditworthiness. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers like XXXX XXXX are legally required to ensure the accuracy of information reported. Inaccurate reporting of late payments after an account is closed and paid in full violates these obligations and harms consumers ' ability to maintain accurate credit profiles. Additionally, the Consumer Financial Protection Act ( XXXX ) prohibits unfair, deceptive, or abusive acts or practices, as alleged in the joint lawsuit filed by the CFPB and New York Attorney General XXXX XXXX against XXXX XXXX for similar behaviors. 

My XXXX credit report correctly reflects this account as closed on time with no late payments, further highlighting the inaccuracies in my Equifax report. I demand that all incorrect late payment entries be removed from my credit report immediately. The entire account history, as currently reported, is flawed and misleading. I expect each credit reporting agency to correct this issue without delay to comply with federal laws and protect my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXXXXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$9300.00}
Product: Mortgage

Spoke with the servicer, Ocwen The last reported date was XXXX, Its the middle of XXXX. Called to see why and they told me that they only report on a quarterly basis. That seems to be outside of the guidelines which is 60 days this si the second time I had to file a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Debt collection

Portfolio Recovery has been harassing me for many years. I did not know I had rights and that they have been violating them. First they call from multiple numbers. 
( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX are just a few of the numbers that they call me from. They have threatened to sue me. They have threatened to serve me papers at my job on XX/XX/2018 at XXXX XXXX. Many of calls are robo calls including call on XX/XX/18 XXXX XXXX ,XX/XX/2018 at XXXX XXXX, XX/XX/18 at XXXX XXXX, XX/XX/18 XXXX XXXX. I have asked them to stop calling me. I am on the do not call registry. I have never given consent for them to call. Every time I tell them to stop calling, they call from a different number! They have never provided me with any proof that I owe them money or proof of the original debt owner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with Trans Union over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the Trans Union to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to Trans Union including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my TRANS UNION credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know. 

Reporting Accounts : 1 ) XXXX- Account # : XXXX Opened : XX/XX/2007 Trans Union Attn : IDENTITY THEFT DEPARTMENT XXXX   XXXX # XXXX XXXX, XXXX XXXX Thank you for your assistance in resolving this matter. 

Regards,
Product: Debt collection

The debt collector has still failed to send me a notice in writing. Previous complaints and request for information they have refused to address this. I would like to know why a notice was never mailed and if it was to what address and when?
Product: Debt collection

My elderly mother XXXX XXXX XXXX receives repeated phone calls from a credit recovery company for a medical bills that is over 10 years old. She retired from her job back in XXXX  and used to go XXXX XXXX for health care services. She last went to XXXX back in XXXX. Unfortunately, she did not pay the {$160.00} medical bill, because she thought that she was still covered under XXXX 's health plan. 

I screened all her phone calls because of the increased number of scam calls received from various companies and vendor, on a daily basis.. My mother is XXXX XXXX XXXX and not in good health. As her daughter, I have to protect her from various individuals and organizations that phone on a daily basis with all sorts of scams. 

Since my mother retired back in XXXX, we only received a few notices from her health insurance about the medical bill. However, Nationwide Recovery Service ( XXXX ) started to call her within the last several months. I have repeatedly told them that she does not owe the debt. They insisted that she pay the bill! Each time I discontinue the phone call. Today, I received another call from this company attempting to get the bill paid. I told them that the bill is old and time barred. The individual kept trying to talk over me and wanted some information. I ended the phone call. 

My mother is unable to care for herself and I have to take care of her as best I can. This includes avoiding her getting upset by any harassing phone calls. It's gotten to the point, that I turned the ringer off on the phone by her bed. I want to avoid her getting upset over something that is not owed. Can someone in your office help me with this matter? Thank you for your consideration of this matter. 

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit card

Home depot collects my {$100.00} payments then shows payment made but later shows the payment as a credit to my account and they won't apply it to the loan instead the show me as a negative bad loan and report me as a bad debt.