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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX 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, 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 7 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, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX and XXXX did their jobs in no time. Experian on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Experian continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Experian is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act Westlake Financial SVC XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX, XXXX XXXX, has violated my rights. 

XXXX  XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting

I know that my rights are being violated. I 've been disputing accounts that I know are either inaccurate or do not belong on my credit report and not only am I receiving statements that these have been " verified '', but my proof of said inaccuracies are being ignored. 

I 'm sending proof to Equifax that they 're reporting accounts that are listed as " unknown medical collections '' and they have failed to verify, identify or remove them. How are they legally verifying these accounts without having the identification of the creditor? It 's my right to dispute with the creditor directly and if they are refusing to provide that information, then that is a clear violation. Not only that, but one of the accounts were removed and then reinserted without any notification as required per section 611 of the FCRA. ( see attached letters which explain everything ). 

I 'm perplexed as to why I 've received statements that there will no longer be any investigation into accounts that I know do NOT belong to me. Per Congress, the CRA 's can not just state that the creditor said that the name, date of birth, address and social security number match mine. That is not legal verification and the only form of which would be firsthand knowledge - having the docs in their possession. If they had that information, they would have sent it over to me inconsideration of the fact that I 've been disputing these since XX/XX/2016. I either need to see the documentation or they need to be removed, as the XXXX do not belong to me. The only items that allowed to be on my report are those in which there was an agreement to pay or owe the debt. I did not owe to pay or owe these debts and they need to come off immediately.
Product: Debt collection

On XX/XX/XXXX I had a XXXX procedure performed by XXXX XXXX XXXX XXXX XXXX XXXX. Before the procedure, I was given a price for XXXX of {$800.00} and {$470.00} for anesthesia. ( please see attachments # XXXX ) In XX/XX/XXXX I discover a collection on my credit report for {$2200.00} posted by Collection Bureau of Hudson Valley, with original creditor XXXX XXXX XXXX, however, I have never received any collection letters from them before. On XX/XX/XXXX I sent a request to the collection agency ( Collection Bureau of Hudson Valley ) with a request to validate my debt. On XX/XX/XXXX I received an answer from a collection agency stating that they are in receipt of my dispute along with account ledger from the original creditor. They had failed to provide me with any copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. On XX/XX/XXXX I sent another mail to the collection agency requesting them to delete this collection record from my report as the amount is incorrect and they failed to validate that this debt belongs to me, and haven't received any answers from them till today. ( please see attachments # XXXX ). I also have contacted XXXX XXXX XXXX and they confirm that that was their mistake and I should have been billed for the amount of {$470.00}. ( Please see attachment # XXXX ) They have never sent me a bill for right ammount, however.
Product: Credit reporting, credit repair services, or other personal consumer reports

RMB Inc have still not removed the collection from my credit file, which was placed which I was filing for state assistance.  I have contacted XXXX XXXX, they did not tell them to place this account on collection to credit reports! They asked them to hold the account!
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX 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! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Debt collection

lvnv is falsely reporting a debt on my credit report. i was never given the option to dispute the debt and my fcra/fdcpa rights were violated. i spoke with a representative on XX/XX/2022 by the name of XXXX  around XXXX XXXX  and i asked her what address did the company initially send the ownership of debt letter to. the address that the rep said to me is an address that i didnt reside at. lvnv/resurgent never made any attempts to properly get in contact with me via mail for me to properly respond to the debt via the 30 days said per the FCRA/fdcpa. unless lvnv can prove that they sent proper origination of debt documentation via certified mail or at my proper mailing address, i want this debt to be removed from my credit reports and for lvnv to cease collection activity indefinitely.
Product: Credit card

I made a number of purchases totaling close to {$20000.00} across XXXX Discover cards at XXXX and XXXX between XXXX XXXX and XXXX using Discover 's XXXX Pay promotion, which offered 10 % back on the first {$10000.00} spent on each of my XXXX Discover cards before the end of the year. Several weeks later, I received emails from Discover for each purchase, claiming that I must submit receipts for each purchase in order to prove that none of the items purchased were gift cards. There was nothing in the terms about needing to submit receipts, or that the burden of proof would be on me, rather than Discover, to ensure the purchases qualified for the promotion. Due to this, I did not save any receipts, and now will not be eligible for several thousand dollars in cashback that is rightfully due to me ( {$2000.00} per card ; the cashback on XXXX of the cards is doubled to {$4000.00} after 12 months ; a XXXX, concurrent Discover promotion ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed my credit was pulled by One Main. I did not authorize this pull nor have I received any services from this company.
Product: Debt collection

I keep getting repeated phone calls to collect a debt for someone that does not reside here. Thus has been on going for a Long time and is really annoying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Dont recongnize this account From XXXX XXXX In CO
Product: Credit card

When we moved to our new home in XX/XX/year>, we purchased some new furniture, including a mattress from XXXX XXXX. At the time of purchase, we took advantage of a 36-month, interest-free financing offer, which I promptly placed on automatic payment. The purpose of our automatic payment is to avoid late payments and constant statement tracking. In XXXX, I started receiving emails from the financer ( Synchrony ) that I was behind on my payments. When I called, I was surprised to learn that the company had begun charging me for paper statements ( {$1.00} per month ) and a late fee ( amounting to over {$100.00} in aggregate ) for each month where there was a remaining balance. I got those fees reversed, but in the following month, I got charged an additional $ XXXX for failing to pay the previous month 's minimum payment. Apparently, despite having fees reversed, they did nothing to reduce the payment due, instead opting to reduce the overall balance. As a result of the additional fees, Synchrony has effectively forcibly accelerated a payment such that the 36-month term is effectively 35-months. It seems unlikely that I am the only one that experienced this and, at scale, Synchrony potentially accelerated millions of dollars in payments by creating a situation where they would be due exorbitant fees. This feels like fraud and on a fixed income, it's wrong.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to write and call Equifax to correct multiple inaccuracies on my credit report with Equifax, these errors remain unresolved. These inaccuracies negatively affect my creditworthiness and violate my rights under the FCRA. 

The issue : inaccurate names on the accounts, inaccurate account numbers, inaccurate dates of last activity, inaccurate payment history. 

Equifax failed to explain the method of validation and provide information on how accounts were verified as accurate. 

The specific violations I have encountered include : 1. Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The FCRA mandates that credit reporting agencies maintain reasonable procedures to ensure the " maximum possible accuracy '' of the information in consumer reports. The persistent errors on my reports indicate a lack of adherence to this requirement.

2. Failure to Conduct Proper Reinvestigation ( 15 U.S.C. 1681i ( a ) ) : When a consumer disputes information, the credit bureaus are required to conduct a " reasonable reinvestigation '' within 30 days. Despite providing supporting documentation, the reinvestigation process has failed to correct these inaccuracies, which suggests noncompliance with this provision.

3. Failure to Delete Inaccurate Information ( 15 U.S.C. 1681i ( a ) ( 5 ) ) : The FCRA requires that inaccurate or unverifiable information be deleted from a consumers credit report. The continued reporting of these errors violates my rights under this section.

4. Neglect of Furnisher Responsibilities ( 15 U.S.C. 1681s-2 ) : The entities that provide information to the credit bureaus ( " furnishers '' ) are required to ensure the accuracy of their reports and promptly correct any errors. The credit bureaus have failed to ensure that furnishers comply with this requirement.

5. Failure to Provide Full Disclosure of Information ( 15 U.S.C. 1681g ) : The FCRA requires credit bureaus to disclose all information in a consumer 's file upon request, including the sources of that information. The credit bureaus have failed to provide complete and accurate disclosures of the information in my file. 

These persistent errors have caused significant financial harm and stress, affecting my ability to obtain credit on fair terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize. <br>XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX XXXX XX/XX/2018<br> <br>XXXX XXXX XXXX   XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XX/XX/2018 <br><br>XXXX XXXX XX/XX/2018<br><br>XXXX XXXX XXXX XXXX XX/XX/2018<br><br>XXXX XXXX  XX/XX/2018<br>I did NOT sign anything.

These inquires need to be deleted from my credit reports as soon as possible
Product: Vehicle loan or lease

, I'm writing in regards to my concerns of being upside down financially in my XXXX.

Ive had 3 XXXX 's I've experienced and this is my third. 
I had a salesperson by the name of XXXX at the XXXX dealership on XXXX XXXX and XXXX in Arizona and he basically took me out of my XXXX Lease of the brown XXXX and put me in the XXXX red XXXX. 

We went over pricing things of that nature and how the leasing was different than the purchase. 
However, he never explained that there was going to be an absorption of cost from the lease to a purchase.Instead of the cost being XXXX used rental from the dealership Im upside down of XXXX from the lease that was in my name. 

I work as a Independent Consultant for XXXX XXXX and due to the pandemic we are going thru a reorge reorganization and I found this week. 

So I don't know what other options you can offer me I am in the verge of filing for bankruptcy chapter XXXX in by next Friday. 
I thought you couldn't get a resolution based on my last conversation with customer service. 

I just need to figure some things out.. I feel like I've had to struggle with the car and he put me as a predatory lender in a car that he's no longer even with the company and just for a sale and I've had the car now for two and a half years. 

I would love the option of maybe leasing again possibly or voluntarily surrender /giving the car back. 

I wanted to inform someone of the misinformation the miscommunication that was presented to me to put me my current car financial situation. 
Please advise of my next steps to do. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Above inquiries appeared on all three consumer credit reporting agencies ( XXXX, Equifax and XXXX ) XXXX 

With the exception of XXXX ( I have both an auto loan and consumer credit card with them. ), I do not have an account nor have ever applied for credit from any of the above creditors. I contacted XXXX ( XXXX ) to inquire why all of these hard inquiries are on my consumer reports. They stated that they were applications for their business credit card. I informed them that I did not apply for their business credit card and to please remove the inquiries. Any applications are fraudulent especially with such frequency. XXXX said they would look into the matter and would make a determination within 60 to 90 days. I asked them for a letter stating this fact so I could forward it to the credit reporting agencies and hopefully expedite the process of removing the inquiries. They said they could not furnish me with a letter. The same situation exists with XXXX XXXX. I contacted XXXX XXXX Bank and they stated that they have no record of me applying for any of their credit products however, a hard inquiry is present on all three reporting agencies. They too said they could not furnish me a letter since I don't have an account and have never applied for one. I have contacted each of the consumer credit reporting agencies multiple times by phone as well as sent letters via USPS and via fax ; disputing the validity of these hard inquiries. In addition, I initiated an internal online Equifax dispute dated XXXX Confirmation number : XXXX which resulted in Equifax " verifying '' the inquiries except for the XXXX ( XXXX ). The XXXX inquiries were removed from Equifax. Equifax also put a fraud notice on my account and mailed me a notice of such as well as informing the other reporting agencies about the fraud notice. I'd like to know how Equifax can verify some accounts and not the others. Such as the XXXX XXXX bank which admits they don't even have an application or account on file but Equifax and the others " verify '' the inquiry. I have demanded that each consumer credit reporting agency give me PROOF of their so called " verification '' and not one has ever done that or even responded to my letters. 

I have also sent letters via USPS directly to the creditors demanding that they take action to correct the problem or be subject to legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX 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
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I AM WRITING THIS LETTER ONCE AGAIN FOR THE 4TH TIME IN REGARD TO INACCURATE INFORMATION LISTED ABOVE ON MY CREDIT REPORT. I AM CERTAIN I DON'T OWE ANY MONEY.

I HAVE NOT RECEIVED ANY OF THE FOLLOWING : Money that you say I owe for?

The breakdown of how you calculated what you say I owe.

Copies of any documents that show I AGREED to pay what you say I owe.

Proof showing me that you are licensed in my state, and please give me your license number.

THERES A LIST ON INACCURACIES IN THE SCREENSHOTS PROVIDED PERTAINING TO THESE TWO ACCOUNTS. THESE TWO ACCOUNTS SHOW AS CHARGED OFF AND CHARGED OFF AS BAD DEBT. HOWEVER, THEY DO NOT REFLECT {$0.00}. THEY ARE ALL ALSO SHOWING AS REVOLVING, WHICH MEANS THAT THESE INACCURACIES ARE HURTING MY CREDIT EVERY SINGLE MONTH.

ONCE AGAIN I DEMAND THAT IF YOU HAVE REPORTED ME TO ANY CREDIT REPORTING AGENCY THAT YOU INFORM THEM THAT I DO NOT AGREE WITH THIS SO CALLED DEBT AND THAT I HAVE PLACED THIS DEBT INTO DISPUTE ONCE AGAIN. PLEASE PROVIDE ME WITH PROOF THAT YOU HAVE DONE SO.

FURTHERMORE, I ASK THAT YOU IMMEDIATELY SEND ME A COPY OF MY DISPUTE AS WELL AS CORRECT AND UPDATE THIS INACCURATE DEBT AS REMOVED IMMEDIATELY! 

SINCERELY, XXXX XXXX
Product: Mortgage

Based on the information received XX/XX/XXXX and my payments made in XX/XX/XXXX and  paperwork received from XXXX XX/XX/XXXX the information given to me about their decision does not show the same history payment as the XX/XX/XXXX and payment history. XXXX reversed the late payment assessment and made two payments in XX/XX/XXXX. please see attached paperwork for review. Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

So I was having struggling to make payments as usually winter months I don't make as much due to my profession. I informed Upgrade regarding this and asked for some help or deferment of some kind. They informed me that there was but just to do it online which I did. I set up it up back in Late December I believe for both credit lines. I always had auto pay set up so I didn't think there would be a problem with that. 2 months ago by and I get a call from upgrade saying no payments have been made. I was unaware of this and found out through the rep that auto pay was not turned on during deferment I needed to make a payment manually. Also I was not notified I was late or calls made to me at all After this they sent me email about settling both accounts. Gave me different options and had a deadlineby XX/XX/XXXX to answer. I call about week ago from today ( XX/XX/21 ) and ask about this and if I can talk about a lower settlement at least with 12 months payments. A lady then a manager who is a younger guy both proceed to tell me that I do NOT qualify for settlement just yet. One account needs to full go into charge off at 120 days late and another needs to go 90 days late. Making my credit even worse, So not only because auto pay was not set up making me miss payments and was not notified I was missing payments or calls NOTHING, but settlement offers I'm getting I don't qualify and need to wait longer to settle. Deadline is XX/XX/XXXX for them. Essentially I have to wait til XX/XX/XXXX to do something on both accounts. I also got another email after this call with another settlement offer. 

I did not want to do this but I am not happy about this process and would like a better and immediate resolution to this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE AND I DIDNOT GET ANY RESPOND.THE INVESTIGATION TOOK WELL OVER 30 DAYS. THESE INCORRECT ITEMS ON MY CREDIT REPORT AND ITS HURTING MY PROFLIED.