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

XXXX, Experian, and XXXX is reporting the below referenced alleged accounts on my credit report as a collection account. 
- XXXX XXXX XXXX original creditor is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX / XXXX creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ Original Creditor is XXXX XXXX I have disputed these item with the credit reporting agency XXXX and XXXXey reported these accounts we're confirmed the account as valid. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports. A bill is not proof of an account ownership. Also, XXXX XXXXXXXX XXXX and XXXX XXXX XXXX is in direct violation of the HIPPA Law.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate reporting by all three credit bureausXXXX, Experian, and XXXX multiple accounts. The issues include : 1. Incorrect reporting of account opening dates.

2. Inaccurate reporting of late and on-time payment history.

3. Inconsistent information across credit bureaus for the same accounts.

The accounts affected are : XXXX XXXX  ( Account ending in XXXX, {$1700.00} ) XXXX XXXX  ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX XXXX XXXX Account ending in XXXX, {$2000.00} ) XXXX ( Account ending in XXXX, {$2200.00} ) XXXX XXXXXXXX ( Account ending in XXXX XXXX {$0.00} ) XXXX These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Going over my credit report, I have found it has many errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal for your assistance. As a national reporting agency, you are governed by the Fair Credit Reporting Act ( " FCRA '' ), which protects consumers from inaccurate, outdated, or invalidated information reporting of their credit file. The FCRA states that it's the Credit Bureau 's responsibility to ensure that all information contained within consumer credit files is accurate and free from errors.

According to federal law, you are required to comply with the requirements imposed under the FCRA, 15 U.S.C. 1681 et seq., including but not limited to : follow reasonable procedures to assure maximum possible accuracy of the information in the consumer report, as required by 15 U.S.C. $ 1681e ( b ) ; 2 ) comply with the investigation requirements ; 3 ) should not provide consumer credit file to companies without determining that these companies had a permissible purpose to obtain consumer credit file pursuant to 15 U.S.C. 1681b ; 4 ) provide consumer credit file pursuant to 15 U.S.C. $ 1681g ; 5 ) et seq.

Accordingly, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it ) you have on file of accounts/items listed below. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer disclosure report. For your convenience, I am sending you a list of the items you need to verify them. These listed accounts are neither my debts nor my authorized inquiries. Please correct this by the removal of these items from my credit report. See. Exhibit A. Upon completion of your investigation, please send a detailed description of the procedures used to determine the accuracy of the account ( s ) I am disputing, as well as the name and contact information of the agent conducting the said investigation in case further communication is necessary. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN- XXXX Phone - XXXX XXXX XXXXXX/XX/XXXX Email - XXXX Inquiries that need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was late XX/XX/XXXX2 times. I quick paid XXXX. After that happened I was charge being late every month. I paid over the amount that was due but XXXX still reported me as being late. Moving forward I got a call from a XXXX rep in XXXX and told me they would lower one of my car payments to pay {$410.00}, I paid {$420.00}. XXXX informed me that they would remove the late payments ; but they did not.
Product: Debt collection

I have received two different voicemails from this company implying that they will be making a future recommendation to my unresolved business matter with them. Their voicemails sound threatening. First voicemail was XX/XX/2019 @ XXXX XXXX  stating Xxxxx xxxxx this is XXXX XXXX with Alliant Capital Management Im calling in regards to your unresolved business matter in my office you wanted to take care of unfortunately this is my final courtesy call I will be making in reference number of xxxxxx as of today still no statement on file which at this current point leaves me little choice but to make a decision with the information I do have if you would like the opportunity to change the potential outcome you need to contact my office back at XXXX and I will document that you are aware of the situation then on XX/XX/2019 @ XXXX I received another voicemail from XXXX stating xxxxxx xxxxx this is XXXX XXXX with alliant capital management giving your final courtesy call as I will be making a recommendation to your unresolved business matter in our office serving a transaction you previously authorized. If you would like any input on the outcome on this situation a returned call is required. My number is XXXX. Both of these voicemails sound very threatening on the outcome not sure what she means by a recommendation and final outcome each time she calls but it leaves me with an uneasy feeling. This companys scare tactics need to be reviewed and no voicemail needs to be left like this especially when my name is not on the voicemail box. I also never received anything in writing from this company just these voicemails. Also they are spoofing numbers
Product: Debt collection

I am requesting documents concerning this collection account. Please provide all copies of documents you hold on file concerning this account according to the FCRA 15 U.S.C 1681. I would like copies of all statements and accounting documents concerning this account. 
Please also provide documents that show that Portfolio Recovery Associates owns the rights to service the debt they have sent to me.
Product: Money transfer, virtual currency, or money service

I filed a dispute with the merchant, XXXX XXXX due to the XXXX Flash Cards I purchased on XX/XX/XXXX. I was not satisfied with the item, so I visited Paypal 's  website and talked about my issue, with the merchant not refunding my money. The dispute was filed on XX/XX/XXXX against the merchant, XXXX XXXX. and stated to Paypal Company that the XXXX Flashcards came in a white card board box that is the same size as the box. I did not open the box, nor did I like the way the box was, so I wrote refuse on the cardboard box. I left the box on the table in my residence building for USPS to pick up the package to return to the merchant. USPS accepts packages, if the customer writes the word, Refuse and Return To Sender on the package, without any other receipts given, as long as the package/box seal was not torn. I have a dozen neighbors in my building where I reside, as well as the Postal Carrier, XXXX XXXX, who has been delivering mail to my building for over 20 years and The USPS driver, XXXX, can all verify that the box was returned to the merchant with the address on the box. Also, the super of the building, XXXX XXXX can verify that the box was picked up from the building and returned to the merchant. Paypal had given a time frame to respond to the open case on their website and when I logged into the open case from my account, the system did not recognize me and I was not able to respond. Therefore, Paypal took the merchant 's side to not believe that I did not return the box and wanted my refund. I should have received my refund already from the merchant and Paypal refused to honor me temporary credit to my account when the investigation is gong on. It does not take eight for the merchant to refund a buyer, when I do not have the box in my possession anymore.
Product: Mortgage

Fay Servicing is bad news. On XX/XX/year>, I put my home on the market for sale. Prior to that, I have been making my regular monthly payments. Upon learning this, Fay Servicing decided to purposefully did not apply my XXXX payment so that the property could be placed in default, charge me more, and collect more money on my proceed. Within 3 days, then have added a {$23000.00} default charges for a payment that I made for the XXXX monthly payment. They have even threated me with foreclosure. On one occasion, one of their investors have called me privately from their cell phone, out of business hours to request payment from me. Ever since I have first gotten this loan from Fay Servicing, this company has done nothing but made my life difficult. Which is one of the reasons why I have put this property up for sale. 
In addition, since I have paid escrow through them, they purposefully let my home insurance coverage lapse, so that they would be able apply a lender force insurance on the property, which as result, increased my monthly payment significantly. Whoever licensed this company, did a great disservice to the community. Please look into this company and their portfolio.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report I noticed hard inquiries that aren't mine
Product: Consumer Loan

Unemployed. Unable to repay loan. Account # XXXX. Unable to repay loan due to unemployment. CashNet has threatened collections procedures without deferring my account. Constantly charging high interest that I ca n't afford. I can only repay the {$800.00} amount borrowed. My situation has changed that I can only pray back the amount borrowed without the extremely his interest. Collections will hurt my chance in securing my chances to employment. I want to.avoid filing bankruptcy proceedings.
Product: Vehicle loan or lease

I sold my vehicle to XXXX. The vehicle was financed through Exeter Financing. XXXX contacted Exeter Financing and got a payoff quote for my loan. I gave up my vehicle and {$2500.00} cash to XXXX and they closed the deal with me. They contacted Exeter Financing and they got the payoff quote. I signed all of the paperwork and walked away, free of any more responsibility to Exeter Financing. Now, Exeter Financing is saying that I owe them more money. I have all of the paperwork from XXXX and notarized documents that show I paid off this vehicle. I am not responsible for any miscommunication between Exeter Financing and XXXX. I closed this financial obligation and I want Exeter Financing removed from my credit report. I have spoken to both Exeter Financing and XXXX and I have received nothing but negative, adverse responses from Exeter Financing. XXXX has assured me that I have no further obligation to Exeter Financing and that they have attorneys working on this matter. I was told by XXXX XXXX at XXXX that I am not responsible for any further financial obligation. She is the XXXX Agent that negotiated the payoff with Exeter Financing and notarized the paperwork. Please remove Exeter Financing from my credit report. Thank you.
Product: Debt collection

I have recently become aware of a balance of {$780.00}, which according to your records was placed for collection. I am unaware of this debt and did not have an opportunity to dispute this information previously. If you believe that you have provided me with proper notification regarding this debt, I request that you provide me with certified receipts that include my name and signature confirming that I received such notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is a debt collection agency which appears to have purchased a debt ( with my name on it ) where the last date of activity on the original account has been more than 7 years ago. There has been no verbal activity, like a payment arrangement or acknowledgment of the original debt, They ( XXXX XXXX XXXX ) are now illegally reporting negative information to credit reporting agency ( e.g., XXXX, XXXX XXXX, XXXX, or XXXX  ),
Product: Debt collection

XXXX XXXX XXXX  has been charging me {$1800.00} for Capital One I have been telling them I never borrowed from Capital One so the charge is fraudulent a few months ago they called me and told me to do a {$100.00} payment and that it will settle the account so I figured its worth it so they can stop calling me but they just deducted the money from the total and still call me
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

Attended the XXXX XXXX in XXXX. During this time the XXXX XXXX was owned by XXXX. Navient sent an application to me on XX/XX/year> for forgiveness of my loans for school misconduct. On XX/XX/year> Navient denied my school misconduct application, without specific reasons for denial or providing an appeal process to this decision. 

It is common knowledge, that the XXXX XXXX ( XXXX ) defrauded borrowers. My private loans were taken out to attend this college. A recent investigation from the Department of Education found that TXXXX XXXX XXXX engaged in widespread and pervasive substantial misrepresentations that deceived students about the value they would be receiving from their education : XXXX XXXX XXXX advertised that more than XXXX percent of graduates obtained employment related their fields of study within XXXX months of XXXX, but the school 's own records demonstrate that it inflated advertised employment rates. 
The advertisements promoting XXXX XXXX XXXX ' falsified employment rates also displayed inaccurate average salaries that graduates earned from their in-field positions based on the same flawed data as the employment rates. 
XXXX XXXX XXXX also represented to prospective students that it had partnerships with employers and offered ongoing XXXX XXXX services. However, the evidence showed that XXXX XXXX XXXX exaggerated its relationships with employers. In fact, the school had a negative reputation, so companies generally did not want to hire its graduates.
Product: Mortgage

In XXXX I suffered a major financial setback and was unable to make payments on my mortgage. I missed a payment and knew I needed help. The lender required me to be 3 months behind before they would entertain a modification. The process took longer than expected, but I never allowed the payment to be more than 90 days late ( 3 months ) and started making the trial modification payments on time immediately. 

The Lender has reported on my credit report 120 days ( not 90 ) as well as continued to reflect our payment as late during the trial modification. Once the modification was finalized we made those payments as agreed until such time as I sold the property. 

Because this was an FHA loan, part of the modification was a partial claim against the MIP. When I sold the home in XXXX of XXXX, that amount was paid back as part of the home 's payoffs. 

I am now attempting to purchase a new home, and because of the inaccurate reporting on the credit report, it appears that I was more than 5 months behind on payments when in fact I was never more than 3 and now I have to wait another year when I have worked very hard to improve my credit, save money and reestablish myself in a more affordable location. Inaccurately reporting the lates is not only causing a delay, but it also makes me wonder, if the amount charged to FHA for the partial claim was incorrect and inflated and if the amount that I had to pay back was incorrect. 

It is unfair to force someone to get behind in order to help them, and it is also inaccurate to reflect a payment as late when under a trial payment. The loan was being paid according to the new trial terms, and then paid under the final modification agreement.
Product: Payday loan

the lender removed money from a bank account i did not authorize for them to debit causing me to lose my mortgage payment so i will be behind in my payment. they also debited the same account 3 times for over the amount of the loan
Product: Credit card or prepaid card

I have tried to work with this company but they have ignored me. I am not sure of the debt but my wife passed in XXXX and many of her accounts stayed open and suffered fraud. I was in a major accident and I am now XXXX since XXXX XXXX, XXXX, and I have been off work, I can not walk well. I would like some help getting rid of this debt or something without filing bankruptcy. The company has not helped me. Please help in some way and stop this from continuing. It is now in court, I have a hard time getting to lawyer and I want to fix this. Please send this to the lawyer and court or help me in some way.
Product: Credit card

I was contacted by, Capital One, by telephone, about suspicious activity on my a credit card in XXXX 2016. There were XXXX charges for {$110.00}, at different locations, on XXXX XXXX, 2016. I had destroyed the credit card months earlier as I was planning on cancelling the account after all automatic charges transferred to another Capital One card. The card had not been used online for nearly a year. In XXXX an annual magazine subscription was charged for {$49.00} on XXXX XXXX, 2016, which is valid and I paid for that. Shortly after that, XXXX XXXX, 2016, is when the fraudulent charges of {$110.00}, XXXX times, occurred. I was told by Capital One that I would not be responsible for fraudulent charges. When I telehoned them afterwards, more than a few times, I was told that I would not be responsible for the charges. On XXXX/XXXX/16, I received a notice that I had been reported to XXXX for failure to pay. I have left three phone messages to the fraud agent, XXXX, with no return call. I did receive a letter dated XXXX/XXXX/2016, but received sometime later than that from the fraud department saying that the investigation was resolved. But the fraudulent charges, and now late charges and interest are accumulating on the fraudulent charges. I have a second Capital One credit card that I have been using since I stopped using the credit card that has the fraudulent charges on that I always pay off each month. It appears, to me, that someone got the credit card number from the magazine subscription charge for {$49.00} in XXXX and either sold the number or used it online to make the XXXX purchases for {$110.00}, on the same day, at three different locations. I 've done everything I can, including sending a letter to the fraud department of Capital One. Please help.
Product: Checking or savings account

I didnt give bank the permission option in XXXX XXXX XXXX XXXX. My account is being hit with this fees every day and putting my account way over limits that I cant pay and I have bills myself to pay!!!! 
I have a direct deposit and if dont hit my account before bank does I dont have any money.
Product: Credit card or prepaid card

Huntington Bank Credit Card Account number ending in XXXX - cardmember is an authorized user Dispute case reference number XXXX Transaction on XX/XX/2022 for {$110.00} with merchant XXXX flight cancelled no refund provided. 
Unable to resolve with merchant Disputed transaction with Huntington Sent documentation to support claim. 
Huntington says they didn't get the documentation Denied claim Huntington is engaging in unfair and deceptive practices. 
Pretends they did not receive the documentation I sent so they could decline the claim. 
Tried to call Huntington- has 45 minute to 1 hour wait time - making it impossible to speak with a representative to discuss.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXXXXXX XXXX XXXX  || Account # : XXXX - XXXXXXXX XXXX || Account # : XXXX - XXXXXXXX XXXX || Account # : XXXX XXXX XXXX || Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes and FTC reports regarding these fraudule

nt items on my credit report that dont belong to me. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.