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

In XXXX, XXXX I noticed that Experian was showing that I had late payments on 2 accounts ( XXXX XXXX and XXXX XXXX XXXX XXXX ). AlsoXXXX my street name was incorrect ( they show a non existent street ). I mailed my first dispute using their form on XX/XX/XXXX. A second dispute was submitted online on XX/XX/XXXX. After receiving notice that corrections had been made I found the credit report was still wrong and I submitted a third dispute by email on XX/XX/XXXX. I was informed I could not dispute by email and sent a dispute letter on XX/XX/XXXX with supporting documentation for the incorrect street name as I had been instructed to do. ( See attachments # 1 ). I received an updated partial report dated XXXX ( see attachment # 2 ) which shows all information has been corrected. I then received a full report dated XX/XX/XXXX in which the late payments and wrong street name reappeared ( see attachment # 3 ). XXXX XXXX does not show any late payments and has provided a payment history ( see attachment # 4 ). I am not able to obtain info from XXXX XXXX XXXX on the credit card as the card in no longer active. I can only state that I have never been late on any payments even during the bankruptcy filing. In addition, I was denied a credit card from XXXX XXXX XXXX as a direct result of the inaccurate and negative information provided by Experian ( see attachment # 5 ). I believe that Experian is deliberately, willfully, intentionally and fraudulently posting harmful negative information on my credit report with the intent to negatively impact my credit rating. I further believe that Experian is deliberately, willfully, intentionally and fraudulently posting the incorrect address on my credit report with the intent to negatively impact my ability to obtain additional credit. I also believe that Experian is deliberately, willfully, intentionally and fraudulently refusing to correct the errors on a permanent basis with the intent to negatively impact my credit rating and to negatively impact my ability to obtain additional credit. It is important to note that both XXXX and XXXX have no late payments on their reports and have my street name correct. It is only Experian that is posting the inaccurate information and refuses to make the necessary corrections to my credit report with them. Another point of information, Experian also has the incorrect street name on my wife 's credit report. In response to her multiple disputes, Experian changed the city and state on her report to a city and state that she does not and never has lived in ( see attachment # 6 ). Experian has a known and documented history of falsifying credit reports for myself and my wife.
Product: Vehicle loan or lease

Bought used car on XX/XX/2022, had it delivered to my address in XXXX, XXXX. Carvana registered my new vehicle in the wrong state ( XXXX  ) and isn't helping to get it registered correctly in XXXX. I can not drive the car until they fix this problem and get it registered correctly in XXXX. I've reached out to them multiple times since the purchase and they still havent even started to fix the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, California issued a mandatory stay at home orders for COVID 19 in XX/XX/XXXX until XX/XX/XXXX- and my employer went out of business because of it - in turn - I was late on a few credit card payments with my XXXX XXXX credit card. I am asking these late pays be removed due to this pandemic and its damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2015 a balance of {$0.00} from XXXX XXXX Bank appeared on my XXXX  and Equifax credit report. I am challenging XXXX and Equifax to verify this account Per Section 609 of the Fair Credit Reporting Act. This is a consumer disclosure section which is to provide for the protection of consumers against false or erroneous reporting.This section of the ( FCRA ) places the burden upon the credit bureaus and creditors to provide the credit bureau a copy of the ordinal creditors documentation. Whatever I filled out and signed upon opening the account with the reporting creditors.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against Equifax and the entities responsible for allowing the entry of these unauthorized credit inquiries on my credit report. I am requesting the immediate deletion of all 26 inaccurate credit inquiries, as these were the result of identity theft and were made without my authorization, in clear violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681n.

Details : Unauthorized Inquiries : The 26 credit inquiries, listed in my report, were made without my consent. Each date listed represents a separate unauthorized inquiry. This constitutes a willful violation of the FCRA, which prohibits obtaining a consumer report under false pretenses or without a permissible purpose. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX & XX/XX/XXXX , Violation of 15 U.S.C . 1681n : Under this statute, any person or entity that fails to comply with the requirements of the FCRA is liable for damages. The entities responsible for these inquiries have willfully ignored the legal requirements, making them liable for both statutory and actual damages. 

Violation of XXXX XXXX ( XXXX ) : The financial institutions involved have also failed to comply with the GLBA by not providing me with the required privacy notices at the time of establishing a customer relationship. This law mandates that I be given the opportunity to opt out of sharing my non-public personal information ( NPI ) with non-affiliated third parties. The failure to provide such an option has unlawfully exposed my personal information to unauthorized third parties.
Product: Credit reporting or other personal consumer reports

I have exausted every avenue possible in obtaining my report and data that Innovis is providing and selling. All my Online, mail and phone requests were all denied telling me that they can not verify my info ( even when i provided documention via mail ) Im done with this company and there tactics. they will sell it to anyone in the world but deny me saying i cant be verified. Thats fine! I am sending the a good faith demand letter then filing suite when thats ignored. I will not waste another minute other than obtaing the free council and representation provided to me through the VA for being a 100 % XXXX vet. I am on a mission now. Send it or dont send it. Doesnt matter anymore because we will let the judge decide.
Product: Mortgage

SPS Select Portfolio Servicing , Inc. over charged my account in excess of {$5300.00} for attorney fees for services or work not provided by their attorneys, XXXX. They could not explain them, but said that's what the attorney XXXX XXXX ( XXXX ) charged them, so they charged my account. I paid off the loan in it's entirety and they forced me to pay these fees, and stated they would reconcile afterwards. 

I've requested a refund from the lender and for the attorney to provide a prove up of attorney 's fees. The attorneys only sent a letter and confirmed that no foreclosure took place or was even processed. 

This is like robbery and I need help from the CFPB to get my money back and resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiry on my credit report. Im requested the verification of the inquiries and the method of verification. CITIBANK NA., BEST B Inquiry : XXXX. XXXX, XX/XX/XXXX Institution Information : no contact information has been reported by this creditor. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

I previously disputed inaccurate information on my credit report under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. Despite this, they failed to properly investigate and correct the errors.

Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if an item can not be verified within 30 days, it must be promptly deleted from my credit report. The credit bureaus and data furnishers have failed to provide proper validation or remove the unverified information, despite multiple dispute attempts. 

I am filing this complaint because they are violating my consumer rights under the FCRA, and I request CFPB intervention to ensure compliance. If the disputed accounts can not be fully verified, they must be immediately deleted from my credit report as required by law.
Product: Debt collection

I have two collection accounts with XXXX XXXX XXXX, XXXX, however I got a letter from XXXX XXXX XXXX XXXX ( for one of the accounts ) requesting payment for it. I 've recently called XXXX XXXX, XXXX to have them verify it but they said they had no record of it and to contact XXXX. 
I contacted XXXX both online and over the phone. Their website and woman I spoke with said that they could n't collect payment and I 'd have to talk to XXXX ( she gave me their number and website ). 
I do n't understand, I was never contacted about the change in companies, and it still is showing XXXX XXXX owns the debt on my report. However this is not the case and they wo n't take payment ... 
Can more than one company own the debt? And am I not supposed to be notified of the change? I have no contract with any of these companies
Product: Credit reporting or other personal consumer reports

I have a lot of different balances that has been either solved and its still on my credit and they do not resolve any of my issues that I report. My credit should be higher
Product: Debt collection

I noticed a collection account on my credit report from portfolio service for {$590.00}. I contacted portfolio disputes service to start a dispute claim. I was told that a credit card was opened in my name with XXXX XXXX XXXX  back in XX/XX/2016. I advised portfolio services that I did not open this account. I requested the original credit card agreement and or singed credit application be sent to me to validate this account and the company could not provide it. They continue to report negative on my credit report. They are reporting false dates to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not believe that an investigation was done because there is still a late payment reporting for XXXX  XXXX XXXX and I was never late. I have not received anything validating that I missed a payment. I have tried to get this updated months ago and have had no response. Please explain how you're reporting a late payment when I was never late on this account. Please update this account to paid as agreed, never late.
Product: Debt collection

I DECIDED TO REPORT THIS BECAUSE I GUESS THIS IS A NEW FRAUD FROM THE COLLECTION AGENCIES, SINCE LAST YEAR I STARTING TO RECEIVED LETTERS FROM DIFERENT COLLECTION AGENCIES TRYING TO GET MONEY FROM ME WITH ACCOUNTS ALREADY CLOSED AND PAID OFF. 
THIS HAPPEN TO ME WITH FLORIDA HOSPITALS CLOSED ACC ALSO. 
AND TODAY I RECEIVED ANOTHER LETTER AND DECIDED TO CALL THE AGENCIE AND THE PERSON TOLD ME THAT THE ACCOUNT IS CLOSED AND NO DEBT TO WORRY ABOUT AND ALSO SHE TOLD ME THAT THE LETTER WAS OLD BUT GOT THIS DATE XXXX.THE AMOUNT WAS XXXX AND OFFER ME A SETLEMENT OF XXXX THIS ACC WAS CLOSED SINCE XXXX. 
I WAS SO UPSET AND CONCERNED BECAUSE THE TRICK IS THAT THIS COMPANIES OFFER YOU A CERTAIN DISCOUNT PERCENT SO THE PERSON PAY AS SOON THEY RECEIVED THE OFFER WITHOUT VERIFIED THE DEBT, HAPPEN TO ME ONCE ALREADY ; PLEASE TAKE ACTION AND ADVICE THE PUBLIC,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 30 day late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, Equifax, and XXXX   reporting me 30 days late on XX/XX/2018. There was an error on their part. I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Trans Union, XXXX XXXX : This company reports 2 public records on my credit that do not belong to me Bankruptcy XXXX THIS Bankruptcy references Numbers # XXXX XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2- Bankruptcy XXXX Reference Number XXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Trans Union 1-Collections Agency Name : XXXX XXXX XXXX THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

Collections Agency Name : 2-XXXX XXXXXXXX XXXX XXXXXXXX. 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

3- THIS Bankruptcy references Numbers # XXXX do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

4- Bankruptcy XXXX Reference Number XXXX XXXX  THIS Bankruptcy DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

XXXX 1- Collections Agency Name : XXXX XXXX XXXX THIS ACCOUNT do NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT. 

2-XXXX XXXX XXXX XXXX 
THIS ACCOUNT DO NOT BELONG TO ME. PLEASE REMOVE THIS ACCOUNT IMMEDIATELY FROM MY CREDIT OR I WILL FILE A CIVIL LAWSUIT.
Product: Debt collection

I tried to call XXXX and ask for dates on the collections account they placed saying I owe them for back owed insurance. I cancelled my premium with them in XXXX of 2018 because I went with XXXX for a lower rate same insurance. Now XXXX  refuses to take this collection account off my credit report. I have provided several times to them my proof of insurance with XXXX during they time XXXX tried to bill me for insurance premium when I did not have them. They keep refusing to delete collections account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank XXXX XXXX is reporting a late on my credit file for XX/XX/21 and it must be removed. I recently checked my credit and noticed this late reporting but it is erroneous. I had recently used the credit card at a facility and once my due date came around, I paid the account in full to make sure I did not have to worry about it. I did use the card after or made any other purchases. However, the last place I made a purchase made a delayed charge of {$8.00}. I was not advised that they would be using my card again and I wasn't aware of the {$8.00} they had put on. When I looked at my credit I noticed this late and checked my credit card because I was sure it was paid off. Sure enough, there was an {$8.00} balance. I called the company that made the charge and told them that they had made this charge and that I was never told, they then credited back the {$8.00}. I however, was never called by Synchrony Bank to be told that there was an outstanding amount on my card or I would have paid the {$8.00}! This late must be removed, I had paid the account in full, the charge was erroneous and I never got a call regarding any outstanding balance or that I was going to be late from Synchrony Bank. I have been a long time customer and have never ever been late and have had this account for a very long time and would hate for this to ruin the relationship. Please remove the late from my credit file.
Product: Debt collection

On XX/XX/2019, I called LendingClub Corporation for a payoff statement. The representative told me the amount of {$7500.00} to pay off the account by check, which must be received by XX/XX/2019. She declined to email me a document with that information and instead directed me to download the statement from my account on the LendingClub website, which I did ( attached ). 

LendingClub said they received the check on XXXX XXXX. I called them for an account status on XXXX XXXX and the representative said the check would take up to 10 days to process. I called again on XXXX XXXX and the representative said I owed an additional {$1500.00} in interest. I replied that the interest amount was not indicated on the payoff statement, but the representative said I still must pay the interest for my account to be paid in full. 

LendingClub representatives have since called me on XX/XX/XXXX and XX/XX/XXXX requesting the interest payment. I explained that I dispute this amount because I believe their actions are illegal. On XX/XX/XXXX, the rep said my account will be sent to reporting agencies as delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays through XXXX XXXX was paid off infill on XX/XX/XXXX with multiple verifications, that being Barclays phone support, XXXX online statements which it was paid with, and XXXX XXXX XXXX XXXX via phone and email and PDF. Credit bureau still reports that my account has a XXXX  dollar balance as of XX/XX/XXXX which would be 6 months after fulfillment of payment and cancellation of account. They refuse to give me a PDF copy of my last statement showing my XXXX balance, refuse to give me a confirmation of my XXXX balance to show my bank, and are even arguing with their collection agency ; XXXX, on giving them a statement with my account ID and account number being shown in the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is shoeing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth third bank reported my fifth third secured credit card balance inaccurately yesterday XX/XX/15 dropping my score over 30 points and a week before that re- reporting a late payment from two years ago dropping my score another XXXX points when I have made on time payments for more than six months on my credit card ending in XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MI XXXX soc security XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an error in my credit report. According to my credit report, I have a late payments on some of my accounts, which is incorrect. I have never missed a payment on any of my loans, and I believe this mistake should be rectified immediately. According to the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate information reported on my credit file. I have maintained a good credit history, making all of my payments on time, and it is crucial that the information reflected on my credit file accurately reflects this. Please investigate the following accounts for reporting misleading information on my Credit File : XXXX XXXX XXXXXXXX Balance Owed : {$220000.00} XXXX XXXX XXXX Balance Owed : {$450.00} XXXX XXXX Balance Owed : {$1000.00XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$7200.00} XXXX XXXX XXXX Balance Owed : {$0.00}. As we are all aware, the Fair Credit Reporting Act ( FCRA ) requires that credit bureaus maintain accurate and up-to-date information in consumer credit reports. The inclusion of this erroneous late payment on my report is a violation of this act.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX account # XXXX ( XXXX, XXXX XXXX XXXX XXXXXXXX XXXX account # XXXX ( XXXX, Equifax, XXXX ) XXXX XXXX account # XXXX ( XXXX, Equifax ) have 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: 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. 

Account # XXXX XXXX XXXX XXXX {$640.00} # XXXX Account # XXXX # XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX # XXXX {$160.00} XXXX XXXX XXXX XXXX {$0.00} 15 U.S.C 1681 Section 604 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 1681s2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Ive mailed dispute to the credit bureaus certified XX/XX/2020 Ion day 43 days XX/XX/XXXX I mailed out second dispute letter for removal due to no response the deletion process should have been 15 days it is now 15 days and accounts still reporting.
Product: Debt collection

The problem is that the company has reported these medical bills to the credit bureaus, which I thought was illegal at one time. IF their action is still illegal, then I would like the negative account/remarks removed from my credit reports ( XXXX, XXXX, and XXXX ). If not illegal, then ok. I have already called them and made a payment arrangement with them ; however, as before stated, I am questioning the legality of the reporting of the matter to the credit bureaus, with the result that this is showing up on my credit reports as a negative account and is adversely affecting my credit scores. I would like this matter to be resolved. Please advise, and thanks.