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

Subject : Formal Dispute of Inaccurate Credit Reporting Resurgent/LVNV Funding Dear Experian Dispute Department, I am writing to formally dispute inaccurate information on my credit report under 12 CFR Part 1002 ( Regulation B of the Equal Credit Opportunity Act ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ).

Upon reviewing my credit report, I have identified factual errors in the reporting of the account from Resurgent/LVNV Funding ( Account Number : XXXX ) that violate my rights under federal law. 
Specific Errors Identified : Incorrect Reporting of Monthly Delinquencies ( 12 CFR 1002.4 ( a ) Prohibited Misrepresentations ) The account was opened in XX/XX/XXXX, yet it is being reported as delinquent starting in XX/XX/XXXX and continuing into XXXX despite having a fixed balance. 
Since this is a collection account, new monthly delinquencies should not be reported after the initial charge-off or placement into collections. 
This misleading reporting artificially damages my credit score and violates 12 CFR 1002.4 ( a ), which prohibits furnishing false or misleading information.

Contradictory Account Details ( 12 CFR 1002.6 ( b ) ( 6 ) Accuracy of Information ) The balance history shows no payments, no scheduled payments, and no updates to the balance from XX/XX/XXXX through XX/XX/XXXX, yet the account is still marked as having ongoing missed payments. 
If no payments were due after the charge-off, then reporting continuous missed payments is factually inaccurate.

This violates 12 CFR 1002.6 ( b ) ( 6 ), which requires creditors to report only accurate and verifiable information.

Failure to Update Account Status Accurately ( 12 CFR 1002.10 Furnishing of Credit Information ) The credit report states that the original balance was {$410.00}, and the current balance remains {$410.00}, meaning no payments or adjustments have been made. 
However, the account is still being marked as newly delinquent each month, even though it should only reflect the original collection entry date. 
This failure to maintain accurate records violates 12 CFR 1002.10, which mandates that creditors update and report credit information correctly.

Violation of My Consumer Rights Under 12 CFR Part 1002 : 12 CFR 1002.10 Furnishing of Credit Information states that credit information must be accurate and updated. The erroneous reporting of new delinquencies violates this rule.

12 CFR 1002.9 Notifications requires that adverse actions based on credit reporting be properly disclosed. This reporting error constitutes an adverse action that has not been properly communicated.
Product: Debt collection

I paid sca collections and XXXX ..sca was for XXXX and XXXX was for XXXX ... they left it on my credit report..Im XXXX I get very little money every month.trying to straighten out my report if I paid the debt off then they should be kind enough to remove it from my report..
Product: Debt collection

Had filed for dispute for this two account but the company only produced documents for one of the accounts
Product: Credit card

I got a CareCredit card to use in case of a medical emergency. I felt comfortable knowing that I had access to immediate funds to use in the case of a medical emergency. I had a medical emergency come up and was really relying on my CareCredit card in order to pay for the medical services I needed. I go to use my card and it is declined. They tell me that the account has been closed due to inactivity. Because of this, I was forced to use my rent money. Now my checking account is sitting in the negative and I am being charged more every single day that it is in the negative. I am also now unable to afford gas and food and when the time comes to pay my rent, I will not bad able to pay it. Because of this event my having a place to live and a job is now at risk. CareCredit has been completely unwilling to help other than telling me to just reapply. I will no longer be able to take care of any medical issues because CareCredit decided to close my account without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your file to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
I demand the following accounts be properly verified or removed immediately : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

6. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

10. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation. 

21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 

22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXXXXXX XXXX  XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to any XXXX XXXX XXXX if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

My previous employer used ADP payroll processing, which also administered our 401k accounts. A few months after leaving the employer, ADP rolled over my funds to an IRA XXXX XXXX, a third party, without any disclosure or my consent. Furthermore, they charged a {$50.00} fee which was almost 10 % of the account balance. Nowhere in their provided disclosures did they communicate that this would happen. I had to spend more than an hour on the phone just to find out where my money went. 

When I spoke to the representative, the company admitted fault. The representative told me that they were supposed to have contacted me, but don't know where the process broke down on their end. Since they admitted fault, I asked for a refund of the fee, but they refused to provide it. 

Furthermore, XXXX XXXX is charging a fee of {$25.00} for transferring the funds to my preferred broker.
Product: Checking or savings account

Contacted PNC Bank on XX/XX/year> about a pending transaction of {$1500.00} being charged from my debit card after receiving a notification. Contacted my bank fraud protection immediately, but they are not able to cancel transaction and I must wait till it clears my account. It was a transaction from XXXX XXXX XXXX, a company I do not recognize, nor is a local company from XXXX searching. 
I awaited till the transaction cleared my account to contact PNC XX/XX/year> to dispute the charge, and they completed an investigation. They denied the dispute due to past transaction history. Still have yet to receive supporting documents from PNC. The only time I have ever spent that amount of money was to pay my bills that were through PNC themselves ( loans, credit card ). This charge I never authorized, I have no knowledge of the said company, and my debit card was on my person entire time. 
{$1500.00} is a lot of money for my family, and I tried to have this canceled when I became aware of this.
Product: Credit card or prepaid card

XX/XX/XXXX Capital One ( XXXX XXXX XXXX XXXX, NC XXXX-XXXX ) took over our cabelas credit card. We've had nothing but issues with them since. I send direct payments from my bank to pay the bill. I've done this with all my bills and I've NEVER had an issue until capital one took over my account. They keep insisting they are not receiving my payments on time. I've never had any issues until capital one took over and now they take over two weeks to process my payments, in turn making my payments " late ''. I've called numerous times to fix with no help at all. I've tied to find out why we can't do a direct electronic payment to fix and I've been told they don't do that. I've also been told it was more than just my issue, it was an on going system issue with my bank and capital one and it was being sent to the correct department to escalate and resolve. 
XX/XX/XXXX we made a payment and it wasn't credited to my account until XX/XX/XXXX. ( Due date XXXX ). 
XXXX they charged me {$27.00} late fee. 
I called, they apologized because of their error and credited the {$27.00} back. 
All payments still taking two weeks to process, payments/ month 's overlapping. I made phone calls every month!! Brings us to a payment on XX/XX/XXXX, not credited until XXXX and imposed a late fee of {$38.00} on XXXX. XX/XX/XXXX i called and was told fee would be reversed because of their system issues with my bank. 
Same problems/calls in XXXX, they would send to management and straighten out and credit the late fee. 
XXXX still the same, i found a different way to pay directly online ( not through my bank ) payment was finally posted on time, no thanks or help from capital one. Still haven't reversed the last late fee. More calls to them, and now they are stating they will not reverse/ credit that charge. They stated it must be my bank problem, not theirs ... ... omg ... ... i hate capital one and their customer service and managers. I want the {$38.00} late fee credited back to my account like i was promised back on XX/XX/XXXX. My payments were not late, capital one chose not to post/ credit to my account until after my due date. Because it was coming directly from a bank and they said i couldn't guarentee when payment was actually received by them. They think they can manipulate me because i didn't personally mail out the check Omg, I've NEVER had any issues with anyone else, just capial one. They XXXX and i want the {$38.00} late fee revered immediately. Thanks for any help you may offer.
Product: Credit reporting 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/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 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.
Product: Credit reporting or other personal consumer reports

I called about fruad on my account but they did nothing and no one picks up the phone they say they will erase it but its still there.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN 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 a personal credit card account opened at XXXX on XX/XX/XXXXXXXX XXXX XXXX  under the account number XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent charge-offs and late payments appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, charge-offs as reported. The aforementioned accounts, charge-offs, and late-payments appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, charge-offs, and late payments 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 of the aforementioned consumer credit accounts, charge-offs, and late-payments are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account was already removed from m crerdit report and Trans Union put it back on my report this accout was remove because it was a result of identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Home bridge financial report late payments in XX/XX/2018. When I reached out to Home bridge they advised that they never report any negative information and to dispute with credit bureaus. I did that also and was told it was removed. I recently applied for a refinance with XXXX and they are telling me Home bridge report late payments on my credit which Home bridge denied they did when I asked about it in XX/XX/2018. I am attaching emails from home bridge where they are stating they did not report a late payment and the texts from XXXX  saying they did report and i can not refinance now due to this error
Product: Credit reporting or other personal consumer reports

A hard inquiry was pulled against my credit from a company called Autopay, operating out of XXXX. They claim consent was given to them from credit karma. My credit karma account was hacked and I do not have access to it. Credit karma is uncontactable by phone and I expressly did not give consent to any credit inquiry. I do not need anything from any lender and I did not apply for anything. I demand they remove this fraudulent credit inquiry from all three credit reporting agencies. I have since changed the login details on credit karma to protect the account. I did not give consent to any such companies on XX/XX/year> to access my credit for my reason, I did not apply for anything credit karma or autopay.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

I was working with The Texas Mortgage Relief program. They paid mortgage that I put on backend plus additional mortgage payments making me due for XX/XX/XXXX! My loan was sold from XXXX to M & T bank! I was laid off due to unforeseen circumstances in the economy. I went from Unemployment, part time job short contract trying to make ends me as a single mom of XXXX girls. I opt out of the partial modification which was original processed with XXXX. I had a XXXX RESPA PERIOD WHICH protected me. I advised M & T I was working with and waiting on the Texas Mortgage Relief! I dont understand once my number was called and a check was issued for {$54.00}, XXXX making me due for XX/XX/XXXX why would you accept the payment XX/XX/XXXX and now want to missapplid funds XX/XX/XXXX and send it back! Telling me i was in a partial modification, i defaulted and didnt pay XXXX XXXX and XXXX! You are declined And now proceeding with foreclosure! Texas Mortgage Relief is supposed to prevent this from happening! I am back working and now you want to kick me out of my home and not accept the XXXX payment. I called customer service and confirmed M & T got the payment she said he said XXXX x you dont have to do anything else you are due for XX/XX/XXXX!!! Now today She said well we will take it but its going go towards the partial! I opt out of that! Why are you doing this to a single mom with XXXX kids! The then told me to scroll down there are other forms to help with hardship! XXXX i just got funds from an legit organization! Please help me keep my home and tell them to apply the funds from the mortgage relief! The texas mortgage relief is closed no longer accepting clients and you are going to make me reapply go back thru the process when YOU have the funds! Please help M & T NEVER SEND ANYTHING IN WRITING SAY I DEFAULTED OR THAT THEY WERE NOT ACCEPTING THE PAYMENT! THEY WERE IN COMMUNICATION WITH TEXAS HOMEOWNERS RELIEF!! Then why accept thr payment from them if I was working with them. They sent the check XX/XX/XXXX and it was received and cashed by M & T bank XX/XX/XXXX!!! They applied it to my account XX/XX/XXXX!!! I need M & T to keep the payment or if not get me to a XXXX lender!!! help me find a XXXX respected LENDER!
Product: Mortgage

I started the home buying process with Keller Mortgage. I was told they would pay my closing costs and prepaids and had various other items they would take care of for me. When I found a home for {$85000.00}, they told me they were not able to assist me with my closing costs as the loan was not profitable enough and they advised me to seek another loan with another company. 

I feel this is deceptive and they are only marketing this " paying of closing costs '' to those loans {$150000.00} or higher, as mentioned on their website. It is almost like they are redlining, in that they are steering away from the lower priced homes and not offering the same benefits to those people like me.
Product: Checking or savings account

Multiple overdraft fees over 10 year span that were incorrect on