23daVinci/CFPB_Complaints huggingface dataset:
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. I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name/ Account # 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. I fell victim of fraud my XXXX XXXX  accounts was comprimised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not allowed to put late payment info during times of covid XXXX XXXX XXXX XXXX XXXX XXXX  Also they aren't even in XXXX XXXX XXXX XXXX credit reporting. I have evidence to prove my case
Product: Debt collection

An acct was opened in my name with Capitol One. Once I discovered this, I informed Capital One that it was not my debt. The account was charged off at some point and removed from my credit file XX/XX/XXXX. I received a notice from XXXX XXXX XXXX on XX/XX/XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. XXXX XXXX XXXX only sent me a collection letter and a capital one statement from XX/XX/XXXX as verification on XX/XX/XXXX. Which is not validation of this debt. I responded to their letter on XX/XX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.
Product: Debt collection

Disputed an account from Credit Management LP on XX/XX/year>. My dispute results were estimated to be completed by XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

False court records and XXXX XXXX XXXX XXXX XXXX for my background check keep coming back with false information for every employer that submits a background check for me. The issue is that there is a person that lives in Connecticut that has my same exact first, middle, last name an data of birth. 

A simple review of the background check shows that this person lives in another state when reviewing the address verification information on the background check. ( See attached copy ) I have all email correspondence with HireRight along with Email and phone correspondence with XXXX XXXX. 

XXXX XXXX Hire Right
Product: Credit card

I need to set my account up on a long term hardship plan and they are telling me that the offer is not available. I am trying to responsibly take care of my debt and have worked with several other credit card companies who allowed us to close the accounts and put them on a 4-5 year re-payment with a reduced payment and an apr of either 0 % or the prime rate. Capitol one was unwilling to help since I am not behind. Why is there a need for me to further damage my credit to get some assistance? I need some assistance to see if they are lying to me and avoiding offering the hardship program because this is the only company that has been unwilling to work with me. I spoke to a man named XXXX operator number XXXX. I felt like he was not providing all of the information that I needed and I asked if he could transfer us to another supervisor so we could confirm that this is all that could be done and he said he could n't transfer the phone that we had to call back. When we called back we spoke to a supervisor named XXXX operator number is XXXX she said she understood our concerns, but she kept referencing the notes that XXXX put in the computer on the account. My wife and I are trying to avoid bankruptcy and are underemployed we need to close our accounts and pay off our debt. Is there any way we can have assistance obtaining a long term hardship repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request for Investigation of Unauthorized Inquiries I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed several unauthorized inquiry had been made. 

I contacted the creditor, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. I was informed from the creditor to dispute the hard inquire with the credit bureau. 

I request that you initiate an investigation into the below Hard Inquires listed from creditors I did not approve to inquire a hard inquire. I am requesting the following hard inquires be deleted from my credit report due to non authorized hard inquire. inquiry on my credit report to determine who authorized the inquiry. 

Please delete the following account due to non authorize hard inquire : Alert Date XX/XX/XXXX Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX
Product: Credit reporting

I have disputed this account with the credit bureaus on several occasions as well as disputed with Alliance. This company continues to report this unverifiable, inaccurate account on my reports. I requested debt validation in XX/XX/XXXX and XX/XX/2016, to no avail. This company did not send me any documents I requested that substantiated a summary of all account activities, including all payments made, copies of charge slips, invoices or any other documents proving my indebtedness, nor did they send me copies of all documents sent to me regarding this account, copies of any papers that show I agreed to pay what they say I owe them, as well as prove the statute of limitations has not expired on this account. See attached documentation. The documents sent to me from this company DO NOT VALIDATE THIS DEBT AS BELONGING TO ME. Since this third party collection company is unable to validate the debt, this item must be deleted from my report immediately.
Product: Mortgage

On or about I filed Bankruptcy in XX/XX/2019. On XX/XX/2019, my Bankruptcy was discharged. The facts and proof Im attaching clearly shows Prime Lending is retaliating against me because I did not Reaffirm my mortgage loan. However, I have continued to make all scheduled monthly obligations as I have plans to refinance my mortgage with another Lender as soon as practical. After my bankruptcy was discharged, Prime Lending has been sending me ( via US Mail ) threats of filing Foreclosure stating Ive defaulted even when I have forwarded Prime Lending banking statements ( see attached ) that validates I have met monthly obligations ( via XXXX XXXX   Payments ). I have spoke with Prime Lending customer service department more than ten ( 10 ) times requesting that Prime Lending rectify this issues as well as cease having private carriers delivery threats of Foreclosure. In addition, during the bankruptcy process Prime Lending unknown to myself has increased my monthly payments from {$680.00} to {$810.00} without ever notifying me. When I asked Prime Lending for an explanation for the reason my mortgage had been increased, I was told because my property taxes and homeowners insurance had been increased. I decided to reach out the XXXX county auditors office to verify that my property tax rate and discovered my property taxes were actually decreased ( see attached ). On more than five occasions, I asked Prime lending why the discrepancy over payments that I have proved had been paid to them, Im always told that it takes a while for there system to get updated. However, after five ( 5 ) months has passed, Im still receiving loan delinquent notices/ letters and there plan to proceed with Foreclosure. 

I have kept current with ALL scheduled payments ( see banking records ), even when I should have skipped payments when I was in the bankruptcy process and Prime Lending has accepted ALL payments yet continue to cause me mental stress by potential threats of Foreclosure. 

Every week Prime Lending is sending me erroneous billing statements with different amounts claiming I owe them. This is my opinion is beyond Predatory Lending/ Harassment/ Coercion/Deceit. 


Thank you in advance.
Product: Checking or savings account

PNC bank changed the terms required to eliminate fees in their checking account. They did this with a one month notice and only notified with a small section in the monthly statement. I rarely use the account and do n't typically look at the statements as I monitor transactions on a more frequent basis on the website. Hence, I was unaware of the change. I was charged a monthly service fee since I was unaware of the change. Although I called to understand the change in terms and was refunded the fee, it 's still poor performance by PNC to change the terms in such a discrete manner.
Product: Credit reporting or other personal consumer reports

I Filed dispute against 2 reported collection charges on my Transunion and XXXX Report. Each was from the same company at the same amount, XXXX dollars. One stated delinquency date was XX/XX/year> and the other was on XX/XX/year>. 
I requested a detailed description and charges of the alleged products or services reported for each and the date I allegedly received the product or service. Also, according to HIPPA, it was not to be disclosed without my written consent that I received medical/ health services form this company without my written consent. This is displayed on each credit report. They were asked to provide this and they did not. I have been charged for something without any disclosure or description of products or services. I should not be expected or required to pay for anything that a validation or description of products/services can not be provided. XXXX and Transunion replied that the information was verified but did not provide me with any documentation requested on validation. I also requested if any insurance claims against this alleged service or product be provide with detailed information. I have received no validation of the charges or authorization to disclose that I received XXXX XXXX XXXX XXXX XXXX XXXX has not been adhered to.
Product: Payday loan, title loan, personal loan, or advance loan

I took out loan through a car repair shop they had certain loan company 's that they deal with the name of the company that approved me is Koalafi I was told by the service person at the repair shop that the loan monthly payments would be about XXXX dollars a month I did not see full loan form I just pressed a link on my smart phone. I was told i was approved for about XXXX dollars. originally the service person told me the repair would be XXXX  dollars when the loan company approved me for XXXX. The service person adjusted the repair cost to the full amount of the loan. I provided loan company with my bank information the routing number and checking account number. I thought the payments were XXXX dollars a month for 12 months when they took the first payment it was XXXX dollars. I called the loan company and said the agreement was for XXXX dollars over 12 months for a loan of XXXX dollars. That seems to about XXXX of interest which I think is way too high. They told me there was nothing they could do to adjust the amount. I asked if i could pay XXXX dollars over 2 years the would not agree to this
Product: Credit reporting or other personal consumer reports

Capital One charged off my account for an alleged outstanding balance of {$8400.00} Following the charge-off, I was informed that Capital One sold the debt to Loss Law-Firm Debt Services, a third-party collection agency. Despite selling the debt, Capital One continues to report the account as delinquent on my credit report, which I believe is inaccurate and misleading.

I have contacted both Capital One and the new debt owner, Loss Law-Firm Debt Services, to address the issue. However, Capital One has failed to provide a clear explanation or remove the erroneous delinquency status. This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting to be accurate and timely.

This has caused significant harm to my creditworthiness, as the account is being unfairly reported as delinquent even though Capital One no longer owns the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized credit inquiries on my credit report
Product: Payday loan, title loan, personal loan, or advance loan

15 U.S.C. 1681 ( a ) Demonstrates the Unfairness of XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  Late Payment Reporting The late payment reporting by XXXX XXXXXXXX XXXX XXXXXXXX XXXX to credit bureaus is fundamentally unfair under 15 U.S.C. 1681 ( a ), which establishes Congress 's findings about the importance of accuracy, fairness, and respect for consumer privacy in credit reporting. Here 's why : Inaccuracy and its Impact on the Banking System : Section 1681 ( a ) ( 1 ) highlights that the banking system relies on fair and accurate credit reporting. Reporting my payment as late when it was made in accordance with my obligations ( or disputable otherwise ) creates inaccuracies that not only harm me as a consumer but also erode trust in the banking system as a whole.

Unfair and Unjust Reporting Practices : Section 1681 ( a ) ( 4 ) mandates that consumer reporting agencies and their partners operate with fairness, impartiality, and a respect for consumers ' rights. XXXX XXXX XXXX XXXX XXXX XXXX  decision to report the payment as latedespite applicable protections under the Truth in Lending Act ( 15 U.S.C. 1666b ) violates these principles. Such reporting undermines my right to privacy and fairness.

Failure to Ensure Accuracy and Confidentiality : Section 1681 ( b ) states that credit reporting systems must meet the needs of commerce in a fair and equitable manner while upholding confidentiality and accuracy. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX actions in reporting this late payment contradict this requirement by creating an inaccurate record, which could result in undue harm to my creditworthiness and reputation. 
Violation of Payment Timing Protections ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor can not mark a payment as late if it was received by XXXX XXXX on the due date in the correct amount and format. If XXXX XXXX XXXX XXXX XXXX  reported my payment as late when it met these criteria, they directly violated this provision, further compounding the unfairness of the reporting. 
Request for Resolution To rectify this unfair and inaccurate reporting, I request that XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Remove the late payment entry from my credit report immediately. 
-Notify all relevant credit reporting agencies of this correction to ensure that my credit report accurately reflects my payment history. 
-This action is necessary to restore fairness and accuracy to my credit report, as required under the Fair Credit Reporting Act and the Truth in Lending Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the last payment with XXXX XXXX XXXX report on Equifax say it's on the XXXX say it on the XXXX and Equifax say it on the XXXX and XXXX XXXX stopped reporting to the Equifax. I just want to fix the reporting Fair Credit Reporting act 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
Product: Debt collection

On XX/XX/2018 I received notification that I had a collection account from my credit notification account that I am a member of. A Company named Accelerated Financial Solution, I also received 3 calls. I explained to them that I was not aware of this account and they abruptly added this on my credit report. it's XXXX. I wrote to them 3 separate times and no response from them
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX ( partial acct # XXXX ), has been incorrectly and negatively been reporting an invalid and unvalidated alleged debt -I requested a Debt Validation, to include a signed contract or agreement with terms, to repay any Valid Debt -I did not receive the requested information from XXXX XXXX -I told XXXX XXXX  to cease any contact or communication, as it regards to this account -XXXX XXXX has continually violated my rights by disregarding my correspondence and the laws that support all that I say, pursuant to 15 USC 1692c -These illegal and incorrect communications, as it regards to this account, have caused great hardship and struggles
Product: Debt collection

I am afraid we have had a breach of our original settlement agreement yesterday.

I am going to file this case for breach of contract, post settlement sanctions, violations of RFDCPA, TCPA, And Cal Penal Code 632.

In short Chase bank called me yesterday using an automated dialing system at XXXX XXXX PST to solicit lower my interest rates on my credit cards to my cell phone number ending in XXXX. My guess is that you will respond with something like Chase has no records of contacting you to which will be met with instant filing in {$25000.00} and under court and no judge is going to fault me for filing this case. Chase called and that is that. 

Can you give me an resolution to this matter or a resolution to litigate? I am drafting my complaint now and will file this by the end of the week should I not hear back. 

Please advise how you wish to handle this. Dismissed case # XXXX ( XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XXXX Division and XXXX  XXXX XXXX XXXX XXXX dba XXXX   XXXX XXXX XXXX are in violation of Tex. Fin. Code 392.402.404, Sec. 392.101. BOND  REQUIREMENT. ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bond must be filed with the secretary of state.

( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter.

( c ) The bond must be in the amount of {$10000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX XXXX XXXX - Account # XXXX to XXXX and Equifax, and I believe that this entry is inaccurate. The payment in question is identified as " late '', but i do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Repoting Act ( FCRA ) and related laws. Legal Basis for Dispute : Under 15 U.S Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX XXXX XXXX regarding this account should not be included in my consumer credit. 15 U.S. Codes 1681a ( 2 ) ( A ) ( i ), 1666b, and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report. Request for XXXX : If XXXX XXXX XXXX XXXX can not provide the necessary proof of mailing or deliverry of the required information. I request that this late payments be deleted from my credit report. Faliure to do so will be considered a violation of 15 U.S Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information. I respectfully request that you take appropriate action to remove this inaccurate late payment entry from my credit report within XXXX calendar days of recieving this notice. Late Payments in XXXX XXXX XXXX XX/XX/year> Thank you for your promptattention to this matter. I look forward to your response and information that they disputed late payment entry has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much XXXX  and XXXX stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.