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

I am going to try this one more time before I seek legal action!! The account reporting on my credit file from LVNV  is being reported on my XXXX credit report TWICE!! The LVNV  account for {$550.00} account number XXXX is posted to my XXXX credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that XXXX claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both XXXX and LVNV. If this isn't corrected I will be forced to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taking out a loan with my bank to pay out my ex partner. 

On the day of settlement I was denied this loan due to Equifax getting my credit scores wrong which was no fault of my own. 

This ultimately cost me 1000 's along with the stress and anxiety that came with trying to resolve this issue.
Product: Checking or savings account

They closed my checking account for no reason. 
I asked them via email how to settle my balance! 
I suggested that they could settle my balance by ACH transfer or wire transfer! 
They replied by email that they could only send a check to settle my account balance! 
I asked them who would bear the loss if the check you sent was lost or I did not receive the check they sent. 
They didn't respond to my questions! 
Now I have not received the balance they should have settled for me, they closed my account and emptied my balance!
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/18 I called Experian to cancel a credit monitoring service I do not recall signing up for that charges me $ XXXX/month. I only recall accepting free credit monitoring as a result of breaches. When you choose the option in the phone IVR to cancel the wait time, regardless of when you call, is greater than 45 minutes. When you select any other options you are answered instantly. I spoke with someone from one of the other options and I believe they called what I was being charged for " MaxProtect ''. 

My complaint is that Experian is clearly making it difficult to cancel. No option is given to cancel online or any other means other than calling and holding for 1 hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # ( XXXX  ) XXXX  Account # : XXXX Closed ; ( 2 ) XXXX  XXXX XXXX Account XXXX : XXXX Closed ; ( XXXX ) XXXX  XXXX Account # : Date Reported : Condition : Credit Limit : XXXX Closed ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not Furnish account without my written instructions.
Product: Debt collection

This company sent me a letter stating I owed a debt to XXXX XXXX  in the amount of {$260.00}, but they would settle for XXXX if I call them and settle it. The amount they are stating is owed, was from equipment being sent back delayed due to Hurricane Harvey hitting and flooding the XXXX area some years back. The equipment has since been returned and the account is a XXXX balance. Also, I was a service member that was able to void the contract with military orders for XXXX. This company is requesting money that isn't even owed with any validity. They are preying on a XXXX XXXX XXXX Veteran. I have already dealt with this with another collection company prior on the same exact debt! It's a shame that these companies exist. I will not provide this company any personal information in order to dispute through their website. This is ludicrous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Equifax and have informed you that I am a victim of identity theft and that XXXX XXXX   in the amount of {$640.00} account is a result of identity theft YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account to you and you are verifying. What exactly are you looking at Equifax to verify this account because there is definitely no contract bearing my signature with any agreement with XXXX or XXXX. Please remove this account immediately. Not only that I have informed you also that this account could be a result of identity theft therefore you are not following the law by leaving this on my credit file a deletion is needed until a full investigation is properly done.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I sent a letter out to Transunion asking them to reinvestigate this account : XXXX XXXX XXXX XXXX XXXX and remove inaccurate information. Here is my tracking number : XXXX XXXX. 

They sent me their investigation stating this account is complete and accurate. I looked at my report and everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 1681s-2 this is suppose to happen ( A ) reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, accurate. 

Transunion really did not reinvestigate, they lied on an official document saying they did something they didnt do and I have the evidence to prove my case
Product: Debt collection

I recently discovered XXXX debt items on my credit report from Elan Financial Services, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from Elan Financial Services regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Product: Vehicle loan or lease

I Had opened a loan amount of XXXX at TD bank in XXXX   where i then used the money to purchase a XXXX XXXX XXXX. I Recently moved to XXXX, and there are no TD BANK in XXXX. The only way they would work with me is to go into a branch but the closest one is 1000 's miles away. Can not make payment over the phone and could not make payment online. Was not accepted. Because of the recent move i recently have gone through financial hardship and had been late on making payments because they usually automatically took the loan amount out of my account but it was not working so i would have to mail in checks but the day that they needed it by was not my pay day.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Kindly take immediate steps to rectify the fraudulent inquiries on my credit report, as they were not authorized by me and are causing considerable distress.
Product: Checking or savings account

I have had enough of big banks stealing money from me because i did not sign up for overdraft protection and was taken for XXXX i am a XXXX veteran who was hit with by the pandemic i can not afford to be taken advantage of like this because they dont care can and will be homeless if cant pay their bills because of your outlandish fees
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX on XX/XX/XXXX with repayment terms of {$28.00} per month interest free for six years. My account is managed by TD Bank of XXXX. I make my payments via XXXX XXXX XXXX/. I have made all my payments either on time or in advance except for XXXX, XXXX which was two days late. I can document all of these payments. 

I was pre-approved for a home loan by XXXX XXXX XXXX XXXX, TN on XX/XX/XXXX. My credit score was well above the required 620. I was set to close on a home on XX/XX/XXXX. On XX/XX/XXXX TD Bank reported to all three credit bureaus that I was 60-90 days late and demanded {$240.00}. in late fees. My score plummeted 100 points. Since I had already paid {$1000.00}. in earnest money, {$350.00}. for an home inspection, and {$400.00}. for an appraisal, I paid the {$240.00}. in an attempt to recover my score. It didn't work. I lost the home. Now I'm stuck indefinitely paying outrageous amounts ( approximately $ XXXX/mo. {$600.00}. more than my house payment would have been ) to keep my things in storage and live in temporary housing.
Product: Checking or savings account

I opened and account with XXXX XXXX XXXX/ First Horizon Bank on XX/XX/2019. The promotional bonus on the advertising card stated that a {$400.00} bonus would be deposited into my checking account within six weeks after the account had been opened for 90 days. I have attached a picture of the advertising card as well as my communications with a representative from the bank. The representative acknowledged that I was due the {$400.00} bonus, but that I should wait until the end of this week to see if it is deposited. It has not been deposited, and we are going on eight weeks after the 90 day opening period.
Product: Credit reporting or other personal consumer reports

I called XXXX and Equifax spoke with agents requested to have the fraud alert deleted from my file. They told me verbally the fraud alert was deleted and it will take XXXX or sooner to show. I get mail the following week from XXXX and Equifax telling me they placed me on " XXXX XXXX alert ''. I DONT WANT XXXX XXXX ALERT ON MY FILE. I also requested to have addresses I never resided that are on my file deleted. I provided my ID, SSN, proof of address multiple times to XXXX and they will not remove the inaccurate addresses, even after providing the documents they requested.
Product: Payday loan, title loan, or personal loan

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Florida in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Under Florida statutes, usury is defined as the charging ( whether paid or not ) of interest that exceeds 18 percent on loans, lines of credit, advances of money or any obligation of amounts up to {$500000.00}, and that exceeds 25 percent for transactions involving amounts totaling more than {$500000.00}. 
Although I am not legally required to do so, I am willing to repay the principal balance of this loan. 

To date, I received a deposit of {$1100.00}, and have had 9 bi-weekly withdrawals of {$150.00} debited from my account. This results in a principal balance of {$1300.00}. This results in an overpayment of {$290.00}. 

At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$290.00} overpayment. A refund check of {$290.00} should be mailed to me at the address you have on file. 

I hereby revoke any and all ACH authorizations with your company from debiting any of my personal accounts, per Federal law, Regulation E Section 205.10 Pre-authorized transfers. I revoke any and all wage assignments I may or may not have signed with your company, I no longer authorize you, your company, or your affiliates to attach any part of my wages or contact my employer for your collection purposes. I have notified my employer about this matter so any attempts to do so on your part will be rejected. 

I demand that any contact be made through email only. I will need everything in writing to keep accurate records of all communication as per instruction from my Attorney General 's Office. I prohibit you or your affiliates to contact me via telephone at my place of employment or my home telephone number. I also prohibit you from calling my references listed on my loan. 

I must also inform you that I will be filing complaints with the XXXX XXXX XXXX, the Federal Trade Commission, and Floridas Attorney General 's Office. 

I expect a response from your company no later than 5 days from the above date regarding this matter. This response may only come via US Postal mail or email. No telephone contact is permitted. 

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

I am formally disputing the above-referenced accounts reported by LVNV Funding LLC on my credit report. Despite submitting multiple disputes and requests for validation over the past several months, LVNV Funding LLC has failed to provide verification of these debts within the legally mandated 30-day timeframe. Under the Fair Credit Reporting Act ( FCRA ), if a creditor can not validate a disputed account within 30 days, the account must be deleted. 

The following reporting errors and discrepancies are grounds for immediate deletion of these accounts from my credit report. 

Errors Identified Inconsistent Account Status XXXX reports both accounts as Open, while XXXX reports them as Closed with a Collection/Chargeoff status. 
Error : These conflicting statuses indicate a failure to ensure accurate reporting. 
Violation : FCRA 607 ( b ) Obligation to ensure maximum possible accuracy. 
Illogical Reporting Dates Both accounts have a Start Date listed as XX/XX/year>, which is a future date and factually impossible. 
Error : Reporting future dates is inaccurate and misleading. 
Violation : FCRA 607 ( b ) Inaccurate reporting of dates. 
Balance and High Balance Discrepancies Account XXXX : ** XXXX XXXX Balance {$1300.00}, High Balance {$980.00} XXXX : Balance {$1300.00}, High Balance {$0.00} Account XXXX : ** XXXX : XXXX {$700.00}, High Balance {$700.00} XXXX : Balance {$700.00}, High Balance {$0.00} Error : The balances and high balances reported are inconsistent and contradictory. 
Violation : FCRA 607 ( b ) Failure to maintain consistent and accurate information. 
Failure to Validate Debt Despite multiple disputes, LVNV Funding LLC has not provided documentation to validate these debts. 
Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must investigate and verify disputed information within 30 days. 
Reporting as an Open Account Instead of a Collection Collections are being reported as Open Accounts rather than collection accounts. 
Error : Misclassification of collection accounts misrepresents my financial status. 
Violation : FCRA 623 ( a ) ( 1 ) Providing false or misleading information.

Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Creditors must verify disputed information within 30 days. LVNV Funding LLC has not done so.

Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If a creditor can not verify the information within 30 days, the information must be deleted. LVNV Funding LLC has failed to comply. 
Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) Credit reporting agencies and furnishers must ensure the accuracy of reported information. The inconsistencies in balances, account statuses, and reporting dates violate this requirement. 
Misrepresentation of Account Type Violation : FCRA 623 ( a ) ( 1 ) Reporting a collection account as an open account constitutes misleading information.
Product: Debt collection

HWarfield at XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$2500.00}. The collection has been reported as a past-due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Consumer Loan

For the past several months I 've been paying extra principal ( or so I thought ) each month when I sent in my auto payment. When I called this week I discovered the extra money I 've been sending has simply been paying any additional interest rather than paying down the balance as intended. So now I 'm paid ahead a month or more when I want to have my balance lowered as intended. When I contacted customer service they attempted to make me feel like this is a benefit to me, in case I do n't want to make a payment in the future I wo n't have to since I 'm paid ahead. Seems like flawed logic at best and outright robbery at worst. Why would I pay extra for any reason other than applying it to principal. If the lender does n't know how I wanted the money applied they could simply ask me. Seems to me they are lining their pockets by applying to my additional payment amount to interest rather than principal thus dragging my loan out further than I desire
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the account below. 

XXXX XXXX XXXX Account number : XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX  have been persistently displaying mischievous and malicious information on my credit profile for a long time hence damaging my credit worthiness. I do not have a serious delinquency record and this is persistently being reported to both soft and hard inquiry lenders. This is truly damaging my credit status and reliability as a good credit customer. I am faithfully paying all my bills and not behind but these three agencies are frivolously reporting malicious delinquency data to prospective lenders thus providing a very negative reflection of my credit worthiness. I strongly recommend to order these agencies to remove frivolous and incorrect information data from their data for the love of Fair Credit Reporting and restore my rights under constitution.