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

Upon viewing the result of my dispute on my credit report I notice in the public records sections its states that there a files listed but when I goes to dispute this it in the dispute center it states no public record in file. Also they still reporting inaccurate information from XXXX as in Collection as to date but when I contacted XXXX they indicated they have not reported sinceXX/XX/2014 XXXX
Product: Credit reporting or other personal consumer reports

NAVY FEDERAL CREDIT UNION the primary cardholder XXXX XXXX XXXX XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, XXXX and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : NAVY FEDERAL CREDIT UNION, as a result my XXXX Score drop from XXXX to XXXX this is a pattern with NAVY FEDERAL CREDIT UNION on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact NAVY FEDERAL CREDIT UNION on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to XXXX XXXX XXXX XXXX credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.
Product: Debt collection

I had a credit card, I used at a gas station in XXXX michigan. When I got my statement there was over XXXX $ charged from a bridal company out of state,!!! I contacted the company and they basically told me I am responsible!!!! I started making payments to better my credit..they kept charging me all kinds of deceptive fees!! So I gave up shredded the cars, called the bank .they wouldn't do anything to help me!! THEY TURNED THIS ICER TO PORTFOLIO RECOVERY, THEY SENT ME A LETTER, I CALLED THEM TO EXPLAIN, THEY SAID THEY WOULD TAKE CARE OF IT, THEY INFORMED ME IN ORDER FOR THEM TO PROCEED, NOT TO RESPOND TO ANY COURT PAPERS, THEY SAID ITS STANDARD PRACTICE AND BECAUSE OF THEIR STATUS AS A DEBT COLLOECTOR, THEY HAVE TO FOLLOW MICHIGAN LAW!!! LAST WEEK I RECEIVED A LETTER FROM MY CREDIT UNION, THEY WENT INTO MY ACCOUNT ( Unauthorized ) THE XXXX XXXX WAIVED THE XXXX $ CHARGE!! BUT IF THEY TRY TO TAKE MONEY AGAIN, I AM GOING TO GET A CHARGE OF XXXX $!!!!!!! THAT IS FRAUD!!!!!!!!! I DIDNT GIVE THEM PERMISSION NOWAY!!!!!! I CALLED THEM A D THEY TOLD ME, ITS A CRIME THAT I AM NOT PAYING. THEY DIDN'T RECOGNIZE WHAT THEY TOLD ME BEFORE!!! I AM HIGHLY UPSET OVER THIS, I NEVER MADE ANY KINDA OF ARRANGEMENTS FOR PAYNENTS. SO WHY ARE THEY REREPORTING LATE PAYNENTS TO THE CREDIT ANGENCY!!!!! WHAT HAPPENED TO THE FAIR CREDIT REPORTING ACT???? THATS COMPLETELY UNETHICAL ..AND DefiMATION OF CHARACTER!!!!!! I AM CONTACTING LEGAL ADVICE BECAUSE THEY ARE DEFINITELY VIOLATING MY CIVIL RIGHTS!!!!!! CFPB???? FOR XXXX SAKES, THEY ARE ON THE CIVIAL PENALTY FUND!!!!!!! PLEASE TELL THESE PEOPLE THEY ARE IN MAJOR VIOLATIONS HERE!!!!!!
Product: Debt collection

Portfolio Recovery Associates is committing fraud and illegal activity under FCRA 609 by fraudulently and illegal placing an item that is NOT mine illegibly and unethically on ALL my credit reports with XXXX XXXX and XXXX. This debt is not mine and this is illegal and fraud and a result of identity theft, which I have been a victim. I DO NOT have or owe Any of the credit card amount, this is fraud under FCRA section 609 and it must be removed from my credit reports immediately. this company is committing illegal acts against me. I DO NOT OWE ALLEGED AMOUNT FRAUDULANTLY PLACED ON MY CREDIT REPORT AND A COMPANY CAN JUST SAY YOU OWE MONEY AND PLACE AN ITEM ON TRI-BUREAU CREDIT REPORTS FRAUDULANTLY AND FALSELY. THIS IS ILLEGAL AND THESE COMPANIES ARE UNDER INVESTIGATION BY THE ATTORNEY GENERALS OF THE THREE STATES, THE CFPB, THE XXXX XXXX DATABASE, THE FTC, AND I AM PURSUING LITIGATION AGAINST THEM FOR FRAUD PAIN SUFFERING XXXX XXXX AND ILLEGAL ACTIVITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has incorrectly reported that we missed a mortgage payment in XXXX 2017. This is completely wrong. I have never missed a mortgage payment and this is injuring my credit score. XXXX XXXX has shown a pattern of incompetence ; losing our forms, " accidentally '' blocking us from online account access, and being closed at crucial times during business hours. Although our mortgage was thankfully transferred to another company, we are so fed up with them and hope that a penalty can be assessed against them for the stress that they have caused with their false reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contested a late fee that decimated my credit score with XXXX   XXXX XXXX and Experian 5 times now. Both companies could not care less about their customers and it is unfortunate how tone-deaf they have become. I closed a credit card after paying it in full ( as I have always done in 12 years ) after a trip to XXXX in 2018 and then a minor charge posted on my card AFTER it was closed. I don't know what kind of low-tier credit card company allows this to happen ( see XXXX  ) or low-tier credit reporting agency allow this to post ( see Experian ), but this has destroyed my credit score even after paying the charge and contacting these soon-to-be irrelevant companies multiple times. 

The amount was a mere XXXX $ and the date XX/XX/2018.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I am in receipt of the company NELNET 's response. On I disputed with the student loan company about incomplete data reflecting from my consumer reports. I prompted them to investigate in order to have the information corrected. The company put accountability on a previous loan servicer by the name of XXXX XXXX. They stated that the company furnished that I was more than 90 days late in my consumer report. I have been trying to stress to them that regardless of how any information is received in connection with any account related to me it must report complete and accurately and that if it does not, it damages my credit worthiness, undermines public confidence, messes with the efficiency of the banking system. I have argued that if they can not update with the credit reporting agencies correct complete information that that information is not only considered unverifiable but must be deleted per federal law according to the Fair Credit Reporting Act section 15 USC 1681 ( b ) ( 1 ). They are only looking at this matter from a one-sided perspective and refuse to comply. The Fair Credit Reporting Act stated that ALL relevant information must be considered and that furnishers must conduct a reasonable investigation into the matter. I am not satisfied with the responses I have received, and it is causing my all kinds of issues. You are liable for this behavior. Please see XXXX vs. XXXX ( case text ) regarding this same issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal loan through the company Avant which has been paid in full for over a year. The company constantly sends emails saying to to reapply and it will not affect your credit. One day I clicked on the link to re-apply for a new loan, just to help pay ahead or pay down bills since inflation. It auto-entered my information as well. They never call me about the loan or anything, they just closed the application after a few days. Then I see it on my credit report as a hard inquiry when I had many emails saying it wont affect my credit.
Product: Money transfer, virtual currency, or money service

I had Bank of America, I had my account for a year, someone accessed my account and sent multiple XXXX, changed my account information such as login and passwords
Product: Credit reporting or other personal consumer reports

I am trying to dispute credit inquiries that I am unfamiliar with and did not authorize. Reached out to Equifax several times to dispute and provided them my ftc report to report identity theft and they are refusing to remove unauthorized inquiries. They claim the did an investigation but can not tell me in what particular way these accounts were verified. If its not attached to an open account and I didnt authorize the inquiry is should be removed. Also they just keep providing me the same report and not investigating every time I put in a new dispute. Not to mention the name on my Equifax credit report is XXXX XXXX and the inquiries are for XXXX XXXX, so technically this is another reason they should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Experian XX/XX/XXXX credit report I noticed XXXX hard credit inquiries that do not belong to me and are not mine. Please remove them asap as they are adversely impacting my credit score. 

Hard Experian Credit Inquiries that are not mine : XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. The Fair Credit Report Act
requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. 

If you can provide a cons of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. 

If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 

The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Mortgage

When our home mortgage was transferred to Greentree Financial we did not receive a notice that our mortgage had been transferred from XXXX XXXXXXXX until we had already Made the current payment to XXXX XXXX XXXX. XXXX XXXX XXXX did not transfer the payment to Greetree. We disputed errant application of the payment, sent faxes with documents but never got it resolved. 
Green tree trans freed the loan to DiTech Financial. In XX/XX/2019 I XXXX XXXX spoke to a DiTech representative who said that if I made Payment of {$1900.00}, which was {$500.00} more than the original payment of {$1400.00}. for three months, that missing payment would be caught any interest incurred would be added to the en of the 30 year loan. The loan was subsequently transferred in XX/XX/2019 to XXXX. 
Today, although XXXX had been authorized to deduct the payment, in XX/XX/XXXX and XX/XX/XXXX they failed to deduct the payments, when I called to correct their oversight, which I also did in XX/XX/XXXX ( the payment was deducted on XX/XX/XXXX instead of XX/XX/XXXX as authorized, I was told that DiTech had not applied the money to that disputed payment. They applied that {$1500.00}. To escrow and other charges they could not specify Our loan # isXXXX. 
Please help, we are senior citizens retired with health problems. My wife has has XXXX twice, XXXX XXXX and a XXXX XXXX and I need XXXX XXXX. We are on a fixed income, trying to do the right thing. 
Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2020 I received a letter from Shellpoint Mortgage informing me I could be eligible for up to {$10000.00} in HAMP incentives towards my principal balance. In the following paragraph it describes a opportunity to recast my mortgage. The amount with the recast was {$10000.00} higher ( total interest paid over remaining Life of Loan ) than without the recast. Everywhere I looked, it read this should not be the case. When I called Shellpoint they said it was part of the HAMP Program. I still thought it was odd that re-casting cost more in the long run. Then Covid hit and I thought that I had better opt for the recast and hope for the {$10000.00} incentive from HAMP. I still don't know if I am eligible for the other {$5000.00} at a later date. I still don't understand why my long term interest payment would be higher. And I got another letter saying that XXXX is due for XX/XX/XXXX and I have no idea what that is. I called early this morning and XXXX XXXX couldn't find out where that number was from. XXXX XXXX has limited info about HAMP loans and referred me to the Escalation dept and they send letters with information without explaining why. This is the way it has been. No one really seems to know what why the numbers are the way they are They are trying hard and seem to be guessing but that is not fair to us when we pay our mortgages. We need correct answers and help. I don't think it is fair for people to be told to call when they do that over and over and no one can help. It is a waste of time and not good business.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the accounts listed below violate my federally protected consumer rights to privacy and confidentiality under 12 CFR part 1022 and 15 U.S.C. 1681 ( a ) ( 4 ). Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX My address in XXXX XXXX  XXXX XXXX XXXX XXXX NM XXXX My Apple Credit Card issued thru Goldman Sachs was restricted and no follow up from company has been received. I spoke with Apple Card support and they gave me no reasoning why my account was restricted. They also have not returned my call or offered any solution for this issue. 
I have had this account open for over 2 years never missed a payment, I am a great customer and this is how they choose to treat a loyal client. 
I would kindly like to ask that my account be unrestricted and charging privileges reinstated. 
This is my favorite credit card and I would love to be able to start using it again.
Product: Debt collection

Helvey & Associates , Inc . 
XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for Helvey & Associates , Inc . 

From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation that shows I agreed to pay this debt with my signature. 
The agreement that grants you the authority to collect on this alleged debt. 
A copy of your state license, including license number that give you rights to collect in my state. 

You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 
Helvey & Associates , Inc. has invaded my individual privacy under 15 U.SA 1692 A. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Balance XXXX {$18000.00} ; XXXX Balance : {$14000.00} ; XXXX XXXX Balance : {$780.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$44.00} ; XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX Balance : {$240.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} ; XXXX ( Original Creditor XXXX XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$44.00} XXXX XXXX XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

In XX/XX/XXXX my bank notified me the Sams Club MasterCard withdrew {$3100.00} from my checking account. I never authorized the payment withdrawal for that amount. My bank rejected the withdrawal because it was not authorized by me. Again this happened for {$2800.00} in XXXX XXXX  Once again I called my bank I didnt authorize this payment and they refused to honor the withdrawal. As soon as my bank denied the withdrawal I called Synchrony Bank ( cc issuer ) and explained I never made the switch to auto pay the entire balance. I had at least 5 store credit cards issued by Synchrony Bank. When I received notification that all 5 of my Synchrony retail CC accounts had been closed because my bank wouldnt honor the large unauthorized withdrawals. I called customer service and asked what was going on the agent told me that it was because I didnt have enough funds to cover the withdrawal requests. ( FALSE ). I have documented evidence no NSF fees were charged to my account. Then the agent accused me of check kiting, that was a major insult since I had spent 25 years in banking. All 5 accounts Synchrony issued had no late fees, missed payments in 15 years. Several accounts had a XXXX balance. My credit score has been hit hard by all this false information reported to the 3 credit repositories. I looked up the XXXX report on Synchrony Bank and found XXXX XXXX XXXX XXXX similar complaints. Like mine, many complaints had issues with Synchrony Bank online software when it comes to posting payment errors. Accounts affected include : Sams Club MC Lowes CC Home CC 2 others
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act FCRA credit reporting agencies are required to accurately report credit information and be in compliance with E_Oscar platform protocol. All three major credit agencies ( XXXX, XXXX, and Equifax ) have reported inaccurate information on the accounts listed below : These inaccurate accounts must be deleted to be in compliance with the FCRA Account 1 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 2 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 3 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 4 : DPT ED/XXXX  XXXX XX/XX/XXXX {$0.00} Account 5 : US DEPT ED XXXX XX/XX/XXXX {$3100.00} Account 6 : US DEPT ED XXXX XX/XX/XXXX {$5600.00} Account 7 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 8 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 9 : US DEPT ED XXXX XX/XX/XXXX {$3000.00} Account XXXX0 : US DEPT ED XXXX XX/XX/XXXX {$1900.00} Account 11 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 12 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 13 : US DEPT ED XXXX XX/XX/XXXX {$6700.00} Account 14 : US DEPT ED XXXX XX/XX/XXXX {$12000.00} Account 15 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 16 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 17 : US DEPT ED XXXX XX/XX/XXXX {$11000.00} Account 18 : US DEPT ED XXXX XX/XX/XXXX {$6400.00} Account 19 : DPT ED/XXXX XXXX XX/XX/XXXX {$0.00} Account 20 : DPT EDXXXX XXXX XX/XX/XXXX {$0.00} Account 21 : XXXX XXXX XXXX XX/XX/XXXX {$84.00} Account 22 : XXXX  XXXX XXXX XX/XX/XXXX {$820.00} There are items such as various date opened, last reported, date last active, and date of last payment that is incorrect and inconsistent for the same accounts across all 3 credit bureaus. All of these accounts must be deleted from my credit report because it violates the FCRA and is not in compliance.