23daVinci/CFPB_Complaints huggingface dataset:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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 XXXX 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

On my XXXX XXXX credit history report, I see an un recognized credit inquiry. XXXX uses transunion service. and unrecgnized inquiry is from XXXX XXXX. 

First I reached XXXX XXXX, they asked to reach transaunion. Transunion helped me freeze my credit history so no one can use it. But they want me to raise a fraud report. And mail them the XXXX number so that they can remove the fraudlent credit check from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XXXX XX/XX/2020. I disputed with Equifax ( Online ) an address and received confirmation on XXXX XX/XX/2020, that it was deleted. Today, XXXX XX/XX/2020 when I refreshed my credit report, the address in question was Not deleted. Please forward this concern for correction to Equifax. Thanks
Product: Credit card or prepaid card

Here is the letter I sent to Barclays regarding this problem : Ever since I signed up for the AAdvantage Aviator credit card in XX/XX/, its been nothing but a nightmare. 

I have never received an online invoice from Barclays for my account ending in XXXX, which has resulted in numerous and costly late fees. 

Recently I received a letter from Barclays indicating both my credit line and my credit score had been reduced due to late payments. 

When I called Barclays to investigate this problem, I was told that I had a XXXX ( {$0.00} ) balance at the end of XXXX XXXX but that there was a subsequent {$10.00} purchase on XX/XX/. The charge appears to be from XXXX XXXX with no indication of what it was for. I do not recognize this charge nor has Barclays been able to identify what it was for. 

Because I never received an invoice from you, I was not aware of this charge for a purchase I never made and believed there was no outstanding balance on the account. Unbeknownst to me, my account began accumulating substantial late fees that now total {$72.00}. Without this charge the account wouldnt incurred no late charges, interest or fees. I have placed this charge in dispute ( see below ). 

Last week, my husband XXXX XXXX made several attempts to rectify this situation by phone. With my authorization, he first spoke with an agent who understood the issue but lacked authorization to correct the problem. This agent scheduled a call back from a manager who would have the proper permission. The manager left a message. 

When my husband returned the call, he spoke agent ID # XXXX and was told that he was no longer authorized ( despite this being the same day as he was authorized ) to discuss the issue so she wouldnt speak to him. 

On my husbands third attempt, he spoke agent ID # LASMCK who said she was authorized to speak to him but refused to do anything about the situation. Consequently, my husband formally put the {$10.00} charge in dispute. Despite that, the letter I received indicates that this charge still hasnt been put into dispute. 

I expect Barclays to remedy this situation by : 1. Removing the disputed {$10.00} charge from my account. 
2. Canceling any and all late fees and interest. Without this charge the account had and would still have a {$0.00} balance. Late fees and interest are inappropriate. 
3. Refunding the annual fee of {$99.00} given the excessive amount of time I have spent dealing with this problem. 
4. Notifying XXXX XXXX and any other credit bureaus of the error so my credit score is restored. 
5. Sending me a formal letter saying that the account is not in arrears and never has been. 
6. Canceling my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I feel I was treated unfair. I was Pre Approved for a Mortgage Loan at Primary Residential in  XXXX , Ga. Loan Officer  XXXX   XXXX , was referred to me by my realtor  XXXX   XXXX  that said I should use this Mtg Co because they had a close relationship. Mrs  XXXX  got my permission to pull my credit  XXXXXXXXX  she stated I had a good score  XXXX . Mrs.  XXXX  started requesting documents and told me NOT TO HAVE MY CREDIT PULLED UNTIL AFTER I HAVE CLOSED ON MY NEW HOME. I did everything the loan officer asked I made sure to keep my credit in good standing as well. It became stressful when she had me sending the same documents over and over stating she was not receiving on her end. My  XXXX  in  XXXX  printer/copier/scanner broke down, I went to a  XXXX   XXXX  spent a lot of money faxing to Mrs  XXXX  she still said she was n't getting anything so i went out and bought a new scanner to send the requested documents for I did not want to lose out on this house. To sum it all up my wife  XXXXXXXXXX  from the  XXXXXX  that was caused. At that point since my realtor referred me to this company and they had a close relationship I asked the realtor can I send her the requested documents to forward to the loan  officer  she said " Yes ''. I sent the realtor all documents, she forwarded them to the loan officer. Mrs  XXXX  continued to take her time to get the loan closed.  XXXX  came I called Mrs  XXXX  to get an update she laughed and said she pulled my credit again  XXXX   XXXX  and that my score dropped so she was denying the loan. I asked why did she have to pull again why not use the report from  XXXX  so that it would not affect my score knowing that this would hurt me she hung up the phone. I did not give her permission to pull my credit   XXXX   XXXX     and yes it did impact my score. I feel that she did n't have much knowledge with getting the loan closed so she wasted lots of time gave me the run around so that I would end up having to start all over. I feel that if  Mrs   XXXX  would have processed my documents by sharing with the underwriter or higher superior i feel the loan would have closed in time. I hope this does not happen to anyone else this literally has me in tears.
Product: Credit reporting

I contacted Equifax many different times to dispute this unknown account that is reporting on my credit file. Acct # XXXX. For some reason, it is still reporting. I sent them a Fraud Affidavit and the account is still reporting. I need your assistance in getting this account removed from my credit file. Apparently, Equifax have no regards for the laws.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  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 XXXX XXXX XXXX  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. 

XXXX XXXX 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: Credit card

they reporting this account on my name that i never have and never opened Account info Account name RESURGENT/LVNV FUNDING Also known as LVNV FUNDING LLC Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/year> Status Collection account. {$980.00} past due as of XX/XX/year>. 
Status updated XX/XX/year> Balance {$980.00} Balance updated XX/XX/year> Recent payment - Monthly payment - Original balance {$980.00} Highest balance - Terms 1 Months On record until XX/XX/scrub> XXXX XXXX
Product: Debt collection

XX/XX/scrub>XXXX  Re : Letter to remove Inaccurate Information. 

To whom it may concern, This is to inform you that I have recently received a copy of my credit report and found several items on the report that are inaccurate. The accounts in question are listed below. 

I am disputing the validity of the alleged debts listed below in entirely. Again, I request verification of all alleged debt, specifically, copies of the original purchase agreements with my wet signature. The agreements must be with the original creditors and signed by all parties involved. I am requesting this because I have had different companies reach out to me about the same alleged debts. 

I have already contacted all listed debtors to request the original purchase agreements with signatures. However, it has been over 60 days and I have yet to receive my requested documents. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 


Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt that I allegedly owe. This is not a request just to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligations or any legal obligations to pay said debts. If proof can not be provided, please delete these from my credit report. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PORTFOLIO RECOVERY ASSOC 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 PORTFOLIO SERV Dispute reason : Inaccurate. Unable to validate and provide information on who and how this account was verified as accurate. 
Dispute Instructions : Please delete Immediately.
Product: Student loan

When I was applying for my loan my XXXX account and XXXX XXXX  did not correctly communicate with each other. This is an issue because they offer a 0.25 % rate deduction for being on autopay and it was not showing up in my account. They told me to go through the application anyway and that once the account was opened that I could add autopay and receive the discount that way. 

Since I have had the account opened I have called their call center at least 4 times trying to receive my autopay discount and each of the first 3 times I was told it was going to be applied and still have not seen it. Additionally, this last time I called about 3 weeks ago and I asked to speak to a manager and was told it would take 10 days for them to get back to me. I still have yet to hear back from them 15+ business days later. 

I was told that I would be receiving the autopay discount and am not receiving it so I opened this account up with this company lying to me about the rate of the loan I was going to receive. Its not as if I dont have autopay initiates, I have had 2 autopays go through so far. 

I have an additional issue where they told me that my rate was going to be based off the 1 month libor rate as published in the wsj on the XXXX of that month. None of the rates I have received thus far match that rate. 

I dont really know what to do, I have tried contacting them so many times and while the people on the phone seem helpful at the time of me talking to them nothing seems to get done once I hang up.
Product: Credit reporting or other personal consumer reports

Experian has retaliated and has caused me more has as a result by tampering with items on my credit report and lowering my score significantly for no reason. See previous written explanations
Product: Credit reporting or other personal consumer reports

Date:XX/XX/2024 The Credit bereaus stated Account Name & Account # was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Debt Validation Pursuant to Fair Debt Collection Practices Act Dear Sir/Madam, I am writing in response to your recent communication regarding the alleged debt associated with account numbers Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am hereby exercising my right to request validation of the debt in question.

I am requesting that you provide the following information to validate the debt : 1. The name and contact information of the original creditor.

2. The original account number and the amount of the alleged debt.

3. Documentation establishing that I am the responsible party for the debt.

4. Verification that the debt is not time-barred by the applicable statute of limitations.

5. A copy of the original signed agreement or contract that purportedly authorizes the debt.

I assert my rights under the FDCPA to ensure that the debt is valid and that all necessary information is accurately provided. I request that all collection activities be suspended until the requested information is provided.

Please be advised that any failure to comply with the FDCPA requirements may result in legal action and remedies available under applicable law. Your prompt attention to this matter and timely response are appreciated. 

Kindly provide the requested documentation to the address listed above within 30 days of your receipt of this letter. Failure to validate the debt within the specified timeframe will necessitate that the debt be considered invalid, and any further collection actions will be deemed unlawful. 

Thank you for your cooperation in resolving this matter in a timely and compliant manner. 

Sincerely, XXXX XXXX
Product: Debt collection

I noticed a debt from Account Resolution Services on XXXX XXXX. The debt was placed on my credit report in 2011. I sent ARS a certified letter requesting their info, the original creditor 's info, verification, and a lot more info for verification. They sent a letter back simply stating they verified the debt and the amount they say I owe. The debt is from XXXX XXXX XXXX of Maryland. I called the hospital, who put me in touch with another number that handles the billing for the physicians. Then given XXXX other numbers with no success at finding the bill or who is handling it. I called ARS and spoke to a lady, she stated that she did not know the contact info for them. I questioned how they would send them the money if I was to pay the debt, even though I do n't know what this debt is for. She simply stated that they could. I called back the next day, asked a lady named XXXX the same questions, received the same response. I asked to speak with a supervisor. A gentleman called me back the next day. I asked him the same questions. He refused to give me any info but said he had it. I then placed him on hold, came back and stated that I was recording the rest of the conversation. He refused to give permission and still refused to give me any information. Obviously they are hiding the original creditor 's info for a reason. Maybe they want the money for themselves. I simply want this resolved. Any help that you could give me would be much appreciated. Thank you.
Product: Debt collection

I wrote LVNV Funding/ Resurgent Capital Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from LVNV Funding/ Resurgent Capital Services dated XX/XX/XXXX, stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus .I never received a response from the second letter. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from LVNV Funding/ Resurgent Capital Services and myself. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from XXXX XXXX XXXX and they refuses to remove from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have an open investigation due to identity theft from the Equifax data breach and they ( the CRA 's ) stated it will take XXXX days to respond, however, the account is still reporting during the investigation time frame, this is currently reporting false information that is illegal and they are in violation AT THIS MOMENT. sure, take XXXX days to respond, but this needs to be removed until they respond. The FRCA also states these items must be removed until they can verify the account or investigation is complete. 

These accounts are fraud and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX is violating the XXXX Privacy Act, which prohibits the federal government from disclosing and misusing sensitive personal and financial information. The XXXX Department violated confidentiality provisions of the Internal Revenue Code by giving XXXX XXXX  team access to records that contain tax information. The department collects personal information to administer federal financial aid programs, including dates of birth, contact information, Social Security numbers and, in some instances, bank account information. XXXX has gained access to XXXX Department databases that contain such information -- the National XXXX XXXX  Data System, XXXX XXXX XXXX and XXXX XXXX XXXX. The agencies are improperly disclosing the records of millions of Americans to XXXX staff in violation of the Privacy Act. The Privacy Act of XXXX, as amended, XXXX U.S.C. XXXX, The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. The Act also provides individuals with a means by which to seek access to and amendment of their records, and sets forth various agency record-keeping requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX & XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the collection company " XXXX XXXX XXXX '' on XX/XX/XXXX who stated they were unable to receive the original consumer credit contract from creditor ( Barclays ). I've reached out to all three credit bureaus regarding this matter. I've reached out to Barclays to request the original consumer credit contract. According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract.
Product: Credit reporting

TransUnion is reporting a collection on my credit report with XXXX XXXX in the amount for {$4100.00} for a XXXX account. This just appeared on my credit out of no where and I have never been sent a letter from them. This is only on TransUnion so it must be an error. Please validate and verify this account and then delete it form my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my experian report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.